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.

Sent: Monday, June 04, 2012 1:38 PM

I am in receipt of your email. I will be able to offer you the loan of $15,000.00 What i hate most is that if the borrower is delaying this transaction .I have stated the terms of the loan below for you to see and tell me if you are in agreement with the loan terms or not.


Loan Balance:. . . . . . . . . . .$1,000,000.00
Loan Interest Rate:. . . . . . . . . . . . .3%
Loan Term:. . . . . . . . . . . . . . 35 years
Monthly Loan Payment:. . . . . . . $3,848.50
Number of Payments:. . . . . . . . . .421
Cumulative Payments:. . . . . . . . . $1,616,371.41

Total Interest Paid:. . . . . . . . $616,371.41

Note: The monthly loan payment was calculated at 420 payments of $3,848.50 plus a final payment of $1.41.


1) Repayment:The borrower must begin repayment of the loan at least the year he or she required to pay.
2) Interest Rate:The interest rate applicable to all amounts is 3%
3)Borrower must be willing to pay back at the appointed time.
4)The Loan will be transferred to you exactly 7hours after the transaction is completed .


I will like you to know that 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 loan.
Kindly read carefully the collateral and the non-collateral involve before we can be able to proceed with the transfer of you:


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.


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 with
Scan copy of your International Passport 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 $1,000,000.00 your non collateral refundable charges is $1250.00. 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 Loan Agreement 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 .

Response needed ASAP
I am sure you are okay with our services.
Thanks and god Bless.

Mr.Frank Taylor
Reg No.:EA-ASL/941OYI/02/LN-GHA
Phone: (+233)572093639 (+233)546668953

Miss Young

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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