Miss Young

Hello, I am Miss Young. I received the following email. It is a socalled "Advance Fee Fraud" letter, where I am promised a loan at favourable terms. These stories are all lies, and if I respond, sooner or later I will be asked to pay a fee. If I pay, another fee will quickly come up, and it will continue that way until I give up or run out of money. I will never get the loan, because the scammer behind this fraud wants MY money.

If you received a similar email, you should go to the homepage to read more about 419 fraud.

> From: loanfirm0000@yahoo.com
> Date: Fri, 14 Jan 2011 22:46:30 -0800
> Are you in need of financial help?, you need a loan for your business or to solve other monetary issues.
> We offer loans with a very low interest rate of 2% for a minimum of 10 years, Interested applicants should submit their request via email (katherinadenijs00@xnmsn.cn) for immediate
> processing with the information listed below:
> Names in full:
> Address:
> Gender:
> Email:
> Phone Number:
> Amount Required:
> Loan Duration:
> Country:
> We give out the following category of loan listed below:
> ==================================
> * Platinum packaged loan (GBP30,000,000.00)
> * Gold packaged loan (GBP20,000,000.00)
> * Premium packaged loan (GBP10,000,000.00)
> * Large Scale business loan (GBP1,000,000.00)
> * Mortgage Loan (GBP500,000.00)
> * Small scale business Loan (GBP200,000.00)
> * Venture Capital (GBP100,000.00)
> * Equipment Loan (GBP50,000.00)
> * Consumer Loan (GBP20,000.00)
> * Student Loan (GBP10,000.00)
> ==================================
> In acknowledgment to these details, I will send you a well calculated Terms and Conditions for the amount you require.
> Warm Regards,
> Katherina Denijs (MRS)

Mr From: katherinadenijs00@xnmsn.cn
Date: Sat, 15 Jan 2011 10:36:17 +0000


Batch: 12/25/0034

Please find as stated below terms and conditions of repayment :

In order to seal up the transaction, Our terms of service which are widely stated below must be agreed upon before any further step can be taken in this loan contract .


(1) Late payment of monthly installments has a penalty of 2% increase.

(2) The stated sum of money due for the loan must be paid back within the stipulated period of the loan.

(3) The Loan attracts an interest rate of (2%).

(4) In the course of the loan term duration, A constant monthly payment will be paid for a period covering the duration of the loan commencing two months after the loan have been confirmed available to the beneficiary designated account.

(5) For security reasons, This company has an Insurance registration cover in case of future loss/death occurrence by both parties. So the loan will be insured/registered under the stipulated law.

The Loan repayment period is calculated below:


Term 10 years at 2 % annually

Loan Balance: $200,000.00
Adjusted Loan Balance: $200,000.00
Loan Interest Rate: 2.00%
Loan Term: 10 years
Monthly Loan Payment: $1,840.27
Number of Payments: 120
Cumulative Payments: $220,832.28
Total Interest Paid: $20,832.28

Note: The monthly loan payment was calculated at 119 payments of $1,840.27 plus a final payment of $1,840.15.


NB: If the above information are not understandable or satisfactory to you, Do write back for more detailed information
as your satisfaction is our delight.

In the event that you wish to proceed , Please contact the loan officer with the details below for final processing and approval of your loan. You are also required to send him your contact details alongside your repayment Schedule as agreed upon.

Paul Albert
EMAIL: paul.albert@zfinancelimited.com
PHONE: +4470457 82363
FAX: 44 700 609 6465


Katherina Denijs (MRS)


From: Microsoft Office Live Small Business Support Subject: SRX1147082480ID - Microsoft Office Live Abuse
Date: Sun 16 Jan 2011 13 29 43 -0800

Thank you for contacting us at Microsoft Office Live Support regarding domain names that you feel has violated our Terms of Service.

I appreciate your efforts for providing us with the relevant information. We have taken appropriate action against the Microsoft Office Live accounts associated with the domain name "zfinancelimited.com".

Thank you for your concern in this matter. We understand how important this is and appreciate your time and effort to help us improve Microsoft Office Live.


Microsoft Office Live Support


Mr From: paul.albert@zfinancelimited.com
Date: Sat, 15 Jan 2011 17:02:40 +0000


Batch: 12/25/0034

Thank you for your email, I am in receipt of your email, Please find as attachment a copy of our loan application form, you are advised to print and carefully fill it with the required information.

More so, you are to affix a copy of your drivers` License or international passport to the form and carefully cross out the loan duration period with the applicable number of years as agreed upon.

You are advised to send the completed form via email attachment or fax within 24 hours. Please be sure to add your country`s international access code. However due to the Non-Collateral nature of your loan application and the high risk involved in granting loans of this nature, Please be informedthat your loan must be insured before approval for disbursement and transfer to your accounts coordinates will be granted.

(A) Collateral/Secured Loan: This type of loan shall attracts the title deeds to a landed property, Stocks / SharesCertificates and or a letter of guarantee from a bank all of which shall be located in England.

(B) Non-Collateral/Unsecured Loan: This type of loan shall require an insurance premium jointly purchased in England by the Lender and the Borrower to indemnify both parties against unforeseen circumstances arising in relation to the loan.
The insurance of your loan will cost £700 GBP (Seven Hundred Pounds Only), which must be paid on an equal counterpart funding basis by both partiesbefore your loan can be transferred into your bank account. Both parties willhave to pay 50% each. That means you are required to pay £350 (Three Hundred and FiftyPounds Only)while we pay the other half of £350 (Three Hundred and FiftyPounds Only)as insurance feefor the loan. The loan has to be insured beforewe can proceed with the transfer of the loan to you.We hope you will use these funds for a legal purpose. The reason why we insure these loans is basically to minimize and spread the risk arising from default on the terms of lending by borrowers due to natural or man-made Occurrences. More so, as a non resident here in the UK , Loans without collateral must be insured against unforeseen circumstances. And as a standard policy operated worldwide, we have decided that all loans given out to our clients must be insured so as to protect the interest of the Borrower and the Lender (Zenith Finance Limited) .

After the necessary insurance premium has been purchased, your loan will be transferred into your designated bank account within {48hours} two (2) working days.

You are required to send the following details for the transfer of your loan:

1) Bank Name:
2) Bank Address:
3) Routing Number :
4) Beneficiary Name:
5) Account Number:
6) Bank Phone:
7) Bank Fax:

Upon submission of the required information, you will be cleared for payment from this office.

NOTE: The Fee can not be deducted from the loan amount; it is Against the Loan Lenders Associations` Terms of operation to deduct a fee from the Loan sum. We shall begin the process of transferring the loan as soon as we receive confirmation for the counterpart insurance fee payment. Please confirm your intentions to proceed in this regard and request for the payment details for your counterpart insurance fee.

Warm Regards,

Paul Albert
PHONE:+4470457 82363
FAX: 44 7006096465

Loan application form

If you received a similar letter, please ignore it. Do not answer it. If you do, you will end up on more of the mailing lists used by the criminals behind this fraud. Read more....


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