Advance fee loan scams and fraudulent loan sites.
#19333 by falnsb Sat Dec 26, 2009 6:59 pm
This fake loan scammer posts on various websites offering cheap loans. The bottom line is that they will ask for an amount such as US$250 to be sent to Western Union to Nigeria. You would think that this would trigger alarm bells but sadly a friend of mine refused to believe me when I told her from the beginning that this was a scam, and she lost that small amount.

You can get the gist of how it works by reading the emails pasted below .... obviously 'Sally Green' and her details are fictitious!

Here is my application

1)Name Sally Green
2)Prefix (Mr., Mrs., Ms., Dr., etc.): Ms
3)First name: Sally
4)Last name: Green
5)Business name(If Any): Personal Services
6)Purpose of loan: need money for car
7)Date of birth (yyyy-mm-dd): 27 JUL 1982
8)Gender: M
9)Marital status: none
10)Next Of Kin: parents
11)City: Leeds,
12)State/Province: Yorkshire
13)Occupation: Professional Tart
14)Company name:(if Any ) : Tarquin Ltd.
15)Work address: Onmyback, Legsintheair
16)State/Province: Lancashire
17)Zip/postal code : LP2
18)Country: UK
19)Phone: 0xx
20)Fax: 0xxxxxx
21)Amount Needed As The Loan: £2500
22)Duration: 24 months
23) Cell Phone: 0xxxxxx

Email: [email protected]

Dear Sally Green,

I got your mail, and we are willing to finance the loan amount you
require.I have included the loan terms and conditions to this mail for
you to state your agreement so that we can continue.


*You promise to be honest and straight forward in your dealings with us.
*You promise to make our payments or make arrangements, if for some
reason the payment is going to be late.
*You promise to do right by your benefactor, to strive to be perfectly
on time with your payments.
*You promise to be reasonable in your requests for interest rates and
payment schedules.
*You agree that this is a serious effort to get a loan.


Loan Balance: £2,500.00
Adjusted Loan Balance: £2,500.00
Loan Interest Rate: 10.00%
Loan Term: 2 years
Monthly Loan Payment: £115.36

Number of Payments: 24
Cumulative Payments: £2,768.70
Total Interest Paid: £268.70

Note: The monthly loan payment was calculated at 23 payments of
£115.36 plus a final payment of £115.42.

Note you will start repayment three months after the loan have been
transfered into your account.You are to state your agreement so that
we can continue.I await your urgent response.

Fredrick Thompson

Thank you.

Can I send you my banking details to have the money transfered?



I am in receipt of your last email we are glad you agree. The loan
will be transferred to you depending on the mode of transfer that you know
will be convenient for you to get the loan.. We have three ways of
transferring money to our clients and you are expected to choose one
out of the varieties of money transfer options listed below. In that
case, the transfer options here are as follow:

Bank To Bank Transfer (Domestic & International Transfer):This mode of
transfer is the safest transfer recommended for applicants or
companies/ governmental bodies to transfer funds. An advantage of
choosing this type of transfer is that you can transfer a very huge
sum of money directly into your bank account, depending on the
transfer limit of your bank. Secondly, this loan goes straight into
your desired bank account no matter the location of your bank and
your country.

Due to the verification and concept of the transferring bank, be
informed that you will be required to pay for the bank commission,
which is legally known as the Cost Of Transfer(C.O.T) popularly known
as Transfer Charges. This bank commission,cannot be deducted from the
loan, because all our loans are under the coverage of the insurance
company and everyone knows what insurance means. Due to the insurance
policy, nothing can be added and deducted from the loan perhaps the
insurance coverage and policy.

According to the Bank Transfer Agent, I was clearly made to
understand that for the loan of £2,500.00. to be transferred to
you, you will be expected to pay for the bank commission that is Cost
Of Transfer
(C.O.T) of £250.00 and immediately your loan will be transfer to your
Banking Information, the loan will be transferred into your bank

Money Gram Mode Of Transfer: This is also a fast way to transfer
money in the whole world. In this kind of transfer, you will not be
expected to send information like your bank account, rather you will only be
expected to send details such as your name, address, country and
other information to transfer the loan as one of the easiest way to
transfer money. Due to the services of money gram, you must pay for the
transfer charges so that the loan can be transferred using money gram
service, So they said it will cost £180 to transfer the £5,000.00
As soon as you send this payment required to transfer the loan via
money gram, the loan will be transferred via money and I will have to
provide you with the confirmation details like the reference
number,(8 digits), test question and answer e.t.c.

Western Union Mode of Transfer: Western union is the first fastest
and easiest means of transferring money in the world. You can send
payment online and get your payment online just within 1 minute. To get the
loan transferred via western union it will cost £96.00 and most client
do prefer to get funds via western union because western union is
fast, easy and reliable to operate. you will also be expected to send
down details such as your name, address, country and other
information to transfer the loan

Those are the three reliable transfer option. You are expected to
come out with a choice of mind. Any option you choose will be used in
transferring the loan to you. You need to get back to us immediately
and let me know the option you prefer best to get the loan and be
ready to pay for the required charges. Looking forward to your swift
reply. Once again thanks for contacting FREDRICK LOAN INVESTMENT.

MD.Fredrick Thompson



Thank you for your fast reply, I would like the money to go to my bank account. Therefore I need your banking details.


Dear Sally Green,
I got your email,you have to understand that western union money transfer will be more easier and faster to transfer this loan because of time,We are supposed to end all transaction before 24th of this month because of christmas so you have to try as much as possible to make this payment through western union.If iam am to send you our account it will take three days to recieve the money meanwhile western union will only take a couple of hours.I hope you understand.I await your urgent response.

MD.Fredrick Tompson

On Mon, Dec 21, 2009 at 12:57 PM, Sally Green <> wrote:

I am told that it is not allowed to send money by WU to Nigeria, so you must send me your bank account details.

Thank you


--- On Mon, 21/12/09, fredrick tomson <[email protected]> wrote:

From: fredrick tomson <[email protected]>
Subject: Re: Aplication
Date: Monday, 21 December, 2009, 14:03

Dear Sally Green,

I got your email, you are to send the bank transfer cost of £ 250 via Western Union money transfer, because this is the fastest and easiest way to transfer money around the world, you are required to send in money to the following information:

Receiver Name: Aslem Eriaka
Address: # 1 judges Qters EKP
city: Edo
Country: Nigeria
Text Question: Who is great
Text Answer: God

You need to send information such as MTCN number and the name of the senders when you make this payment. Once we receive the payment, we will pay for your transfer immediately and then I can send you the documents for you to sign before transfer. You will be required to send me your banking informations in which you want your money transfered,such as:


With this informations we can get your loan transfered to you. I hope to hear from you soon.

Fredrick Tomson

On Mon, Dec 21, 2009 at 1:27 AM, Sally Green <> wrote:

My response is as below.

Perhaps I have misunderstood. In which case explain what I have to do next.


--- On Mon, 21/12/09, fredrick tomson <[email protected]> wrote:

From: fredrick tomson <[email protected]>
Subject: Re: Aplication
Date: Monday, 21 December, 2009, 9:20

I am still waiting for your response so that we can continue with the transfer of your loan a soon as possible.I hope to hear from you soon.

Fredrick Tompson.

On Sat, Dec 19, 2009 at 11:34 AM, Sally Green <k> wrote:


Thank you for your fast reply, I would like the money to go to my bank account. Therefore I need your banking details.



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