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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.

Mr
Date: Mon, 30 May 2011 12:38:06 -0700
Subject: Borrow from $5,000.00 upward
From: bradfinanciaservices1@gmail.com

BRAD'S FINANCIAL SERVICES.
App Ref No.: BFS/09/01938



The loan company board of directors received your loan request and the board is ready to help you if only you promise to repay the loan back in good fate when it is finally given to you ,your information is now recorded in our computer data base system and your loan is now on process, We as a company like you to read our company loan terms ,repayment plan and condition before we can continue on the loan process. please read carefully and get back to us if you are satisfied with the terms if you also want the company to make adjustment on the plan and repayment something can be done regarding that aspect .

Below is the company loan terms, conditions and repayment plan

Loan Conditions

Condition 1: The loan will not be used for drug trafficking or illegal possession of drug

Condition 2: Applicant must be above 18 years before loan can be approved

Condition 3: The repayment will start one month after the loan has been delivered to you

Condition 4: Failure to repay the loan back in its stipulated time will require the loan company to file charges against applicant



REPAYMENT PLAN:

Loan Balance: $5,000.00
Loan Interest Rate: 4.7%
Loan Term: 1 year

Monthly Loan Payment: $427.35
Number of Payments: 12

Cumulative Payments: $5,128.20
Total Interest Paid: $128.20
Note: The monthly loan payment was calculated at 11 payments of $427.35 plus a final payment of $427.35.


if you fully agree to the terms ,condition and repayment plan you will get back to us with a scan copy of any form of id card for verification because your loan is undergoing approval by the board of directors in and a positive result will be out in a couple of days , you will be approve of your loan after finding all information are genuine if otherwise you will be declined of your loan so applicant are advise to provide real information for easy approval of loan to them.
Mr Brad Macmillan
Sr.Director
Brad's Financial Services (BFS).
Mr Date: Tue, 31 May 2011 05:45:54 -0700
Subject: Congratulations Loan Approval...

From: bradfinanciaservices1@gmail.com

Dearest Customer,
Congratulations for the swift processing of your loan an we want to let you know that your information has been recorded into the company central data base and such your loan have been insured for security purpose and safety, for security and insurance cover policies before we can give you our loan we would want you to read carefully the two options which are involved before we can give you our loan please read carefully;
There are two option which you are required to choose from which is the collateral and non collateral loan process to enable us proceed with the transfer of your loan to your account .
COLLATERAL OPTION:
This is a process whereby applicant do not have any fee to deposit as a non collateral charges and will be ready to provide the collateral involve before loans can be giving to you ,loan rules states that applicant should not pay any upfront fee before giving a loan therefore should be ready to deposit valid collateral before loan can be giving to you .the collateral involve before we can give you our loan according to the loan governing body rules and regulations as as follow
1: Applicant should be able to provide any Equity Base Property as collateral for his/her loan i.e certificate showing the value of your house ,shares e t.c
2: Scan copy of your Life Insurance Certificate showing the worth of your life insurance
3 :Scan copy of your International Passport.
4:Bank letter of Guarantee showing that you are working and how much you earn weekly or monthly which will give us the guarantee that you are capable of repaying the loan .
If all these can be provided by you giving you this loan is not a problem to us because we want to have security that you are capable of repaying the loan and not will not make away with our company funds.
NON COLLATERAL OPTION:
This is Process whereby applicant cannot provide the collateral involve in getting the loan and will be asked to deposit a token amount of money which will be refunded back to him/her after the loan has been totally repaid.We want you to know this is no upfront charges this is a security fee for your loan which will be deposited in the bank and will be yielding profit for you as you are repaying the loan .once the loan is repaid totally the non collateral charges will be refunded back to you with the interest it has yielded in the bank which will be an additional bonus to you.
For your loan of $5,000.00 your non collateral refundable charges is $255.91 Which will be refunded back to you after the loan has been repaid back totally.
Upon agreement to any of the chosen options you will be sent the paper work of the loan memorandum of understanding document which you are to append your signature and it will be stored in our computer data base system and your loan will be approved within 6 hours .
Transfer of loan
We transfer loan through bank to bank ,western union ,money gram certified Cheque except you the borrower has another means which you would want us to transfer the loan to you .
Thanks for your attention and we hope to hear from you very soon with your chosen option.
Yours in Service,
Approval Manager
Mr Date: Tue, 31 May 2011 06:38:28 -0700
Subject: Information needed are.
From: bradfinanciaservices1@gmail.com

Dearest Customer,

As regards to how the required transfer processing charges of the amount 255.91 US Dollars is to be remitted, below is our cash receiving information by which you are expected to make this payment via Western Union Money Transfer so as to enable us complete the transaction by first thing tomorrow morning.


Bank Information needed are:
Name of Bank:
Bank Address:
Account Number:
Type Of Account:
Routing Number:
Name of Account/Holder:


Below is the Receiver's Information.
Receiver's Name: Oaiya Kelly
Receiver's Address: 7 Plough Place, Accra
Country: Accra Ghana,


Information Needed
Sender's Name:
Money Tracking Control Number (MTCN):
Test Question: In God
Test Answer: We Trust
AMOUNT SENT: $255.91

I would appreciate your utmost co-operation to this email so we could both make this transaction a success.

Thanks and God Bless you..
Mr Date: Tue, 31 May 2011 08:53:39 -0700
Subject: Re: Loan Update!!!
From: bradfinanciaservices1@gmail.com

HELLO DEAR CUSTOMER,

I GOT YOUR EMAIL AND I FEEL YOU DO NOT UNDERSTAND THE CONTENT THAT IS THAT WAS WHY YOU RESPONDED LIKE THAT I WANT TO TAKE MY TIME TO EXPLAIN TO YOU.

FIRSTLY YOU WERE GIVING A CHOICE TO CHOOSE FROM WHICH IS THE COLLATERAL AND NON COLLATERAL OPTION WHICH MEANS IF YOU GO BY THE COLLATERAL OPTION YOU WILL NOT BE PAYING ANY FEE ,WE DO NOT CHARGE ANY FEE BEFORE GIVING OUT LOAN ,BUT DUE TO CUSTOMERS IN THE UNITED STATE AND SECURITY PURPOSES DUE TO PAST EXPERIENCE WE CANNOT GIVE OUT OUR MONEY WITHOUT ANYTHING AS BACK UP THAT IS THE REASON FOR NON COLLATERAL FEE IF YOU DO NOT HAVE THE COLLATERAL FOR THE LOAN.IT IS AGAINST THE LAW OF THE UNITED STATE TO CHARGE ANY UPFRONT FEE BEFORE GIVING OUT LOAN,BUT THIS IS NO UPFRONT FEE IF YOU DO NOT HAVE THE NECESSARY COLLATERAL THIS WILL ACT AS A SECURITY FOR YOUR LOAN FOR THE BANK TO RELEASE THE FUNDS AND THIS FEE STILL BELONGS TO YOU

SECONDLY THE NON COLLATERAL FEE YOU ARE ASKED TO DEPOSIT STILL BELONGS TO YOU IT IS GOING TO BE REFUNDED BACK TO YOU WITH INTEREST AFTER THE LOAN HAS BEEN TOTALLY REPAID BY YOU ,ONCE THE FEE IS RECEIVED IT WILL BE DEPOSITED IN THE BANK AS A NON COLLATERAL/SECURITY FEE FOR OVER THE STATED REPAYMENT TIME .WHILE THE FEE IS IN THE BANK IT WILL BE GENERATING 0.0000001% INTEREST RATE PER DAY BECAUSE THE BANK WILL BE USING THE MONEY FOR TRANSACTIONS ,SO ONCE YOU PAY BACK THE LOAN COMPLETELY THE FEE WILL BE REFUNDED BACK TO YOU WITH THE TOTAL INTEREST IN HAS YIELDED.SO YOU CAN SEE THIS IS A BONUS TO YOU.

PLEASE IF YOU CANNOT PROVIDE THE COLLATERAL OR THE NON COLLATERAL I DO NOT THINK WE CAN HELP YOU BUT MOREOVER IF YOU WANT TO STICK WITH NON COLLATERAL PLAN BUT YOU FEE YOU CANNOT COME UP WITH THE TOTAL FEE REQUIRED NOW OR YOU CANNOT COME UP WITH THE MONEY ON-TIME YOU CAN LET THE COMPANY KNOW THEY CAN FIX AN INSTALLMENT PAYMENT SCHEDULE FOR YOU TO MAKE THE PAYMENT MORE EASIER AND COMFORTABLE FOR YOU .

THANK YOU,
I WISH TO HEAR FROM YOU SOONEST.
   

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