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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
From: ralph andrews < ralph.andrews.loan.company@gmail.com >
Sent: Saturday, January 19, 2013 12:09 PM
Subject: Loans Readily Available @ 2% Interest Rate in USA, Are you interested?

Attn; Valued Customer,
Are you looking for a Loan? Do you have debt you wish to clear? Are you financially down and you need to get back on your feet financially? Has the bank turned you down as a result of your bad credit? Has any lender turned you down? Do you need business loan, personal loan, home loan, auto loan, student loan, debt consolidation loan, unsecured loan, venture capital etc. Worry no more we are legitimate and register private lender, we grant out loans to companies and individual at a low and affordable interest rate of 2%.Interest. Contact us through e-mail today so that we can proceed further. Email: ralph.andrews.loan.company@gmail.com

We wish to assist you with a loan in the nearest feature.
Kinds Regards,
Director,
Mr. Ralph Andrews (CEO)
 
Mr

From: ralph andrews < ralph.andrews.loan.company@gmail.com >
Sent: Monday, January 21, 2013 7:58 AM
Subject: Re: (Loans Readily Available @ 2% Interest Rate in USA, Are you interested?)

RALPH ANDREWS LOANS
2928 Eastlake Ave E Seattle, WA 98102, USA
E-mail: ralph.andrews.loan.company@gmail.com
Mobile: 707-225-6061.


I received your mail and I am very sorry for the late response to your mail. Yes I can help you. You are welcome to my financial services. I am here to provide innovative solutions to our customers with passion, and our vision is to be a leading financial institution committed providing superiors' customers by redefining standards. A Loan shall be granted to you based on your request. I respect your ideas and solve problems of low credit score and inability to get loan from banks and financial offices due to credit score and collateral. In line with your interest on our loan package, you are advised to apply formally for the loan and have your amount sent to you in the earliest, as time is the foundation on which the Ralph Andrews Financial Company prosperous activities are based on.
Regarding the content of your e-mail, I understand your plight regarding loan lenders. I do understand that you are scared and you are trying to be careful due to your past experience, I do not blame you because you have to be sure of what you are doing. you have nothing to worry about. Since I started this business I have never cheated or scammed any body before. So many people have benefited from my company so I will advice you trust me on this and you will never regret it.I know that you are trying to protect yourself and you need the loan desperately so trust me. I believe one thing in life, "Money is not about everything" what counts is the trust and understanding we both will have.I just want you to know that the ability to trust somebody will get you back to your feet.
11 clients rejoiced with their loan yesterday. I have told you that I can never cheat on you and the money you are going pay will prove my point to you. If doubt me, I can give you the contact of those clients that got their loan yesterday. Please do yourself this favor and smile like other customers. I really want to affect your life so give me the chance by trying all you can to work with me and you will never regret it. I am not after you sending money but for you to solve your problems as soon as possible so Please believe me and try very hard to look for the money and you will ever remain grateful to me for what I have done. There is no harm in trying and when you are determined, you will surely see what you are looking for so take the bull by the horn and try very hard and God will answer your prayers. I want you to know that there are still some people that you can trust. Even though you do not believe people, I am not worried but I just want you to know that the ability to trust somebody will get you back to your feet.
I am a very straight forward person and I do all my things in a straight way so relax your mind with me and lets move on with the transaction. I nearly shared tears last week Thursday when all the clients that their loan was transferred to them called me yesterday. they all called me and was thanking me and one woman called Deborah fainted when she saw my financier, Andrew Robert at her door step. Her sister called me and told me what happened, the whole family called me. Just imagine what I am saying, Mrs.Deborah have been waiting passionately for this loan and she finally got it. God works in mysterious way and when he wants to surprise you, it will be when you least expected. I guarantee you 100% of your loan after you send the money. I want you to feel free okay and try to take the money you are going to pay as a challenge, you will see how God will use me to surprise. Deborah called me yesterday that she has paid all her bills and she never ever believed that she will get the loan. Assuming you were here, you could have seen how a woman older than me was crying and talking to me on phone. I felt something inside of me and I never believed that such thing could happen. Please don't lose this opportunity and I want you to be happier than Deborah if you give me the opportunity. I want you to feel free and go on and look for the money, everything will go as planned and once everything is done.
I do understand your plight that you cannot pay money to get loan due to your past experience but the loan VAT fees you are paying is still your money and not mine. You are paying the fees as security deposit, safe keeping in form of a collateral deposit. the fees will still be refunded back to you. My policy is that you are not required to pay any upfront fees to me before you can get your loan. Which are my rules; I affect lives not to rip people of their hard earned money. This policy has made so many people to apply loan from my company and they came to realize that if there are so many fake loan lender, there are still real ones out there. So I don't charge my clients anything like upfront fees like what other lenders do but I only help people with their problem not the other way round.
What I am trying to make you understand that, without paying the security deposit, they won't allow me to transfer your loan. they monitor banks, western union, money gram and so on to check if any transfer is being registered and obtain the certificate so I can't transfer funds to clients without their approval and authorization. Once you are ready for this, let me know so that we can get this started immediately and also my lawyer can prepared the loan agreement contract.
Furthermore, be informed that in line with the rules governing this organization, you will be required to make payment on monthly basis after three(3) months.
*LOAN AGREEMENT/CONDITIONS:*
{1} Required Age: The borrower must not be below 18 years of age and any age below 18 would be disallowed from this loan offer.
{2} The applicant will start the repayment of loan at the end of every month starting from 3 months after loan has been transferred.
{3} BANK SECURITY POLICY: Due to the high rate of Internet insecurity we have our own method to securing Loan obtained from us. For These reasons,our loans are insured against terrorism, theft and scam, already by us.

{4} Failure to pay back the loan at this expected date/period, legal actions will be taken against the applicant by our attorney immediately.
{5} Applicant who is unable to meet with the repayment will be given 2 weeks more as a grace period before legal actions will be taken.
{6} I Mr/Mrs. . . . . . . . . . . . . . . . . . . . . . . . agree that the funds will be used judiciously for the said purpose and not in any way be used for aiding terrorism, drug trafficking, laundering etc and other actions / acts that are forbidden by the laws of United Nations.
{7} That I Mr/Mrs. . . . . . . . . . . . . . . . . . . . . make this agreement in sound mind knowing the implications. Please do get back to me as soon as you get this mail stating if you are in agreement to the terms and conditions as well as the repayment plan so that we forward you the loan documents.

To Apply, All you have to do is to fill out the loan application form and we get started with the process. Below is the loan application you are required to fill so that we can get started with the process,
Client Data Form
Full Name:. . . . . . . . . . . .
Prefix (Mr,Mrs,Ms,Dr,etc.):. . . .
Business Name (If Any):. . . . . .
Loan Amount Needed In USD Only:. . . . . . .
Purpose of Loan:. . . . . . . . .
Duration:. . . . . . . . . . .
Personal Details:
Date of birth (yyyy-mm-dd). . . . . . .
Gender:. . . . . . . . . . . .
Marital status:. . . . . . . . .
Next Of Kin: . . . . . . . . . . .
Home address:. . . . . . . . . .
City:. . . . . . . . . . . . . . .
State/province:. . . . . . . . .
Zip/postal code:. . . . . . . . .
Country:. . . . . . . . . . . . .
Phone:. . . . . . . . . . . . . .
Fax:. . . . . . . . . . . . . . .
Mobile/cellular:. . . . . . . . .
E-mail:. . . . . . . . . . . . . .
Alternative e-mail Address. . . .
Occupation:. . . . . . . . . . .
Monthly Income:. . . . . . . . .

Furthermore be informed that you are to send (attach) a means of your Identification which could be your international passport, Driver's License or your working Identity card.
In acknowledgment to this mail, we can start the processing of your loan.

Regards as I look forward to hearing from you urgently,

Best Regards,

Mr. Ralph Andrews
C.E.O
RALPH ANDREWS LOANS.


 
     
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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