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

https://www.myjoymarket.com/ads/view/112888

Description: Loan individual!

OFFER OF LOAN BETWEEN INDIVIDUAL!

E-mail: elizabhetamorino@gmail.com

Hello,
Need for a loan? Are you rejected by the bank and do you want to secure a loan to meet all your needs? No the problem. Whatever your financial situation. We offer commercial mortgage financings, loans, personal loans and exclusive educational loans. We offer loans to the partnerships, other public and private ones, We are available to grant a loan to you, the real estate, finance, and more still. We offer loans at the same time long and short-term. Contact today and obtain a first financial lending department of class to us:

*Financial loan


*Real loan


*Loan with the investment

*Automobile loan


*Rescheduling of public debt


*Repurchase of credit

*Personal loan


Then if you do not have the favour of the banks or better you have a plan and financing need, a bad file of credit or need for money to pay invoices, need for loan do not hesitate to contact us more over our conditions. For any other information please contact us by e-mail: elizabhetamorino@gmail.com

E-mail: elizabhetamorino@gmail.com

 

Mr

From: ELIZABHETA MORINO [mailto:elizabhetamorino@gmail.com ]
Sent: Tuesday, October 2, 2018 11:22 PM
Subject: Re: Loan Request

I just read you and following your message, I confirm that my offer of loan between individuals is still relevant and I am willing to grant you this loan if you follow my instructions for the smooth operation. I often come to the aid of real and honest people in financial difficulty who need help to carry out a project or who need it to repay their debts and start on a good basis or other needs.

Indeed, this is a loan between individual with specific conditions very easy and I want you to read carefully my conditions and in case it suits you we will be able to begin the procedures to be followed so that you get back the funds on your bank account or on your behalf by secure money transfer means.

The general interest rate is 2% on the amount of your loan.

Amount of loan granted is USD $ 10.000 has USD $50.000.000.

The maximum term for reimbursement is from 1 year to 30 years to avoid going against the law on usury.

The repayments of your personal loan are adapted to your budget.

The borrower will have presented a debt recognition, but this after validation of the file and Obtaining funds on his bank account.

The borrower has a withdrawal period of 14 calendar days from its acceptance.

You receive your financing within 48 hours after acceptance of your personal loan file and 72 hours for the mortgage loan.

You do not have any proof of actualization to provide. You do what you want with your loan: you decide!

The borrower must start repaying the loan, three (03) months after the transfer to his bank account.

For failure to repay the loan on time, legal action will be taken against the applicant by our lawyer immediately.

Applicants who are unable to meet the repayment will be granted an additional 2 weeks as a grace period before legal action is taken.

You can repay all or part of your credit without penalty. In case of partial repayment, you can reduce the duration of your loan or reduce your monthly payment.

You must ensure your credit, for your peace and that of your loved ones. The disability insurance against death and unemployment following dismissal allows you to face the vagaries of life. In case of job loss or if you are unable to work, the insurance covers your monthly payments.

Here are my conditions for obtaining the loan.

You will not have to worry about my good faith. You are not the first person to help me so trust should be reciprocal and those who know me can testify.

If all this suits you then please confirm it so that I can send you the registration form to fill out and send it back to you for the establishment of your file.

Thank you and waiting to read you.

cordially

Mr

From: ELIZABHETA MORINO [mailto:elizabhetamorino@gmail.com ]
Sent: Wednesday, October 3, 2018 12:13 AM
Subject: Re: Loan Request

I have received your confirmation, and I want to tell you that I am Italian, so do not worry about the receipt of funds in your bank account, I have my bank account in the bank (CRÉDIT AGRICOLE) in the bank Benin and France. Without trust, we can not both come to a good conclusion. True, that there are dishonest people, but do not forget at all that there are serious honest people. I am a Catholic Christian, I have children and I am not a forger. I have already undergone a control of services by the authorities of the country and I seemed credible. Know that I am not here to dirty my reputation, but on the contrary to earn the respect and especially the trust of you my borrowers, and know that trust is very important in the business world.

" The Bible says," Luke 11:10 whoever asks, receives " whoever seeks finds, and has called, will open the door So do not let these opportunities go through what Jesus is the same yesterday, today, and forever it' s a big deal for them, and people fear God.

In Benin, underwriting disability death insurance is, in practice, a condition imposed by financial institutions and credit institutions for the subscription of a medium or long-term loan (this is not a legal obligation). If financial institutions and credit institutions impose death, disability and disability coverage, they may also offer an option to cover the risk of job loss. Better known as the unemployment insurance, the latter exempts, in case of realization of the risk of job loss, the lessee to temporarily pay the monthly installments of his loan . That ' s why my bank asks all my borrowers who live outside Benin to pay the insurance fees.

PURPOSE OF INSURANCE:

The insurance protects:

* Also called entrance fees, these fees are applied for payments made on an insurance contract, whether at the opening of the savings contract or in subsequent payments. The amount of the payment made is reduced by fees and resulted in the net amount invested. More and more insurance contracts online are offered with fees.

* Arbitrage makes it possible to transfer shares from one medium to another. It only concerns multi-support insurance contracts. Thus, the insured can generally bear arbitration fees calculated on the sums transferred in the event of a change of media, that is to say a percentage on the arbitrated amount (with a few times a floor or ceiling fee). However, some insurers may also apply a lump sum to each transaction as a fee.

The borrower outside France must have paid the insurance fees so that the bank can credit his bank account.

All I ask in return for my help is to insure my money, that' s all. So it would be an honor for me to give you this help for the realization of your project.

So that we can establish your file at my level, you will find the registration form that you must complete and send it back to you so that your file is established by my lawyer Mr ANGELO CANCIANI.

Please fill in the information below:

INDIVIDUAL LOAN REGISTRATION FORM

Name: . . . . . . . . . . . . . . . . . . . . . . .

First name:. . . . . . .

Date and place of birth :. . .

Age :. . . . . . . .

Sex:. . . . . . . .

Country:. . . . . . . .

City:. . . . . . . .

Nationality:. . . . . . .

Street / Residence No .: . . . . . . . . . . . .

Resident full address: . . . . . . . . . . .

Mobile phone:. . . . . .

Postal code:. . . . . . .

Number of children: . . . . . . . . . . . . . . . . .

Civil status :. . . . . . .

Profession:. . . . . . .

Monthly income :. . . . . .

Loan amount: . . . . . . . . . . . . . . . . .

Loan duration: . . . . . . . . . . . . . . . . . . . .

A picture of you: . . . . . . . . . . . . . . . . . . .

Number of your identity document: . . . . . .

Complementarily want me this information with a copy of your identity card or your passport.

This information waiting to receive, the expression of my distinguished feelings.

Waiting for the completed registration form

The president of the company "HELPS FINANCES" Mrs. / Sra. ELIZABHETA MORINO

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The contents of this e-mail and any attachments are confidential and are intended solely for the addressee, if it is not sent to you, or if you have received it by mistake, and in order not to violate the you do not have to pass it on to other people or reproduce it, please send it back to the sender and destroy it. Warning: The Organization of the sender of the message can not be held responsible for the alteration of this e-mail. It is up to the recipient to verify that the messages and attachments received do not contain any viruses. The opinions contained in this email and any attachments are those of the issuer. They do not reflect the position of the Organization unless otherwise provided in this e-mail.

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El contenido de este correo electronico y los archivos adjuntos son confidenciales y estan destinados exclusivamente al destinatario, si no se le envio a usted, o si lo ha recibido por error, y para no violar el no tiene que pasar en otras personas o reproducirlo, por favor envielo al remitente y destrúyalo. Advertencia: la organizacion del remitente del mensaje no se hace responsable de la alteracion de este correo electronico. Depende del destinatario verificar que los mensajes y archivos adjuntos recibidos no contengan ningún virus. Las opiniones contenidas en este correo electronico y los archivos adjuntos son los del emisor. No reflejan la posicion de la Organizacion a menos que se indique lo contrario en este correo electronico.

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Mr

From: ELIZABHETA MORINO [mailto:elizabhetamorino@gmail.com ]
Sent: Wednesday, October 3, 2018 1:12 AM
Subject: Re: Loan Request

I want to tell you that I am a private lender and I vouch for this credit.

I understand your fears that some groups of people have decided to disguise themselves as lenders, but in the end they are wrong. i want you to know that as a mother with child and groom, that i do not run after clients' money and will not do anything of that kind because, i am christian and christian practice ordered by God, I believe in the law of karma and the golden rule that drives us not to hurt our neighbors if you think that I am going away from my principles, it is a big mistake. and everything pays here.

I have feelings for people all over the world, especially those who are not financially stable, this is due to the fact that I was like this before and during the time I was in this state, no one treated me wrongly.

At my age I have something else to do than pretend to be a fake experience and my trust makes me a serious partner for several sites. we have several customers in today's country online which are 100% satisfying without fail.

Indeed you should know that those to whom we send money and that we do not receive the loan from them are dishonest and not faith in God, as a mother I am afraid to do my neighbor as well as the honest ones because I have to be a good example for my family and for society.

You should know that the amount we are asking for will not be to me or my association, but it will be used for the constitution of your file and the registration and validation of funds in your bank account. I beg you dear customer, meet the commitments of obtaining and you will not be disappointed by my structure because you are only going to paid the insurance fees for the security of us lenders. and we will credit you your bank account without fail in less than 24 hours. If all of this suits you please provide your bank details for the finalization of your file and my lawyer will establish the loan agreement that you will sign and send us back. Once you pay, your file will be sent to the bank for transfer of funds to your account.

On the one hand I understand very well your mistrust but in all things in life you need the confidence otherwise nothing works and stop taking everyone as a thief you see too much evil everywhere is not good thinking positively and your life will be bright.

Life does not stop here on earth and our actions always follow us learn not to judge your neighbors is not good and in life are better try and fail than do nothing and regretted later.

No one is perfect in life and I never contribute to the misfortune of other damage if you do not believe me and it hurts so much that you judge me without having tried anyway to try to see if I say true or not.

I am a mother of three children I could never lie to you.

You wonder if I am a court-approved lender, you are right to ask yourself this question as I told you, I have been offering loans between individuals for 11 years and thanks to my reliable loan service many people who were going through difficult situations have managed to get out of some financial difficulty and know that all who benefit from my loan can testify to the quality of my service and my experience. You have doubts about my title of lender, so on this I send you my certificate of lender get who certifies that I am authorized to lend money to people in difficult financial situations and moreover I also send you my card national identity for the confirmation of my identity.

Cordially.

The president of the company "HELPS FINANCES"Mrs. / Sra. ELIZABHETA MORINO

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The contents of this e-mail and any attachments are confidential and are intended solely for the addressee, if it is not sent to you, or if you have received it by mistake, and in order not to violate the you do not have to pass it on to other people or reproduce it, please send it back to the sender and destroy it.Warning: The Organization of the sender of the message can not be held responsible for the alteration of this e-mail. It is up to the recipient to verify that the messages and attachments received do not contain any viruses. The opinions contained in this email and any attachments are those of the issuer. They do not reflect the position of the Organization unless otherwise provided in this e-mail.

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El contenido de este correo electronico y los archivos adjuntos son confidenciales y estan destinados exclusivamente al destinatario, si no se le envio a usted, o si lo ha recibido por error, y para no violar el no tiene que pasar en otras personas o reproducirlo, por favor envielo al remitente y destrúyalo.Advertencia: la organizacion del remitente del mensaje no se hace responsable de la alteracion de este correo electronico. Depende del destinatario verificar que los mensajes y archivos adjuntos recibidos no contengan ningún virus. Las opiniones contenidas en este correo electronico y los archivos adjuntos son los del emisor. No reflejan la posicion de la Organizacion a menos que se indique lo contrario en este correo electronico.

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From: ELIZABHETA MORINO [mailto:elizabhetamorino@gmail.com ]
Sent: Wednesday, October 3, 2018 1:53 AM
Subject: Re: Loan Request

I received your mail, you must know that my offer of loan is not games one does not swindle there. My government does not agree to deduce the insurance charges in your loan you must pay the $1850 before receiving the loan of the USD$250.000. It is not joke because I was to swindle once and I do not want to lose money any more. For what would be used to me to have enough money. It is for that I have to create the group HELPS FINANCE and the group SIGMA CREDIT. I am on Facebook you can add me. My objective is to satisfy my borrowers. The insurance charges are obligatory you must pay them before my bank can contacted your bank for you credited your bank account. You must know that after having to fill the card with registration, you will receive and a certificate trust deed of insurance which you go signed and to return it to me so that my bank can contacted you for you credited your bank account. THEY ARE NOT GAMES AND IT IS NOT SWINDLES. I am recognized by the union European. Thank you for comprehension.


The president of the company "HELPS FINANCES"Mrs. / Sra. ELIZABHETA MORINO

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The contents of this e-mail and any attachments are confidential and are intended solely for the addressee, if it is not sent to you, or if you have received it by mistake, and in order not to violate the you do not have to pass it on to other people or reproduce it, please send it back to the sender and destroy it.Warning: The Organization of the sender of the message can not be held responsible for the alteration of this e-mail. It is up to the recipient to verify that the messages and attachments received do not contain any viruses. The opinions contained in this email and any attachments are those of the issuer. They do not reflect the position of the Organization unless otherwise provided in this e-mail.

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El contenido de este correo electronico y los archivos adjuntos son confidenciales y estan destinados exclusivamente al destinatario, si no se le envio a usted, o si lo ha recibido por error, y para no violar el no tiene que pasar en otras personas o reproducirlo, por favor envielo al remitente y destrúyalo.Advertencia: la organizacion del remitente del mensaje no se hace responsable de la alteracion de este correo electronico. Depende del destinatario verificar que los mensajes y archivos adjuntos recibidos no contengan ningún virus. Las opiniones contenidas en este correo electronico y los archivos adjuntos son los del emisor. No reflejan la posicion de la Organizacion a menos que se indique lo contrario en este correo electronico.

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From: ELIZABHETA MORINO [mailto:elizabhetamorino@gmail.com]
Sent: 03 October 2018 05:26
Subject: Re: Loan Request

Hello how are you? Here is your repayment table

Amount of the loan:USD $100,000, 00

Duration of the credit:60 months

Annual credit rate:3%

Start of the credit:10/01/2019

Monthly installment of credit:USD $1.796,87

TOTAL MONTHS:USD $107.812, 14

TOTAL INTEREST:USD $7.812, 14

You will begin payment of your monthly payments on January10, 2019and you will pay as monthlyUSD $1.796,87 . The repayment with interest on the loan of USD $ 100.000, 00will end on December 10, 2023.

AMORTIZATION TABLE

DEADLINE

DATE

CAPITAL REMAINING

CAPITAL

INTERESTS

MONTHLY PAYMENT

1

1/2019

98453.13

1546.87

250.00

1796.87

2

2/2019

96902.39

1550.74

246.13

1796.87

3

3/2019

95347.78

1554.61

242.26

1796.87

4

4/2019

93789.28

1558.50

238.37

1796.87

5

5/2019

92226.89

1562.40

234.47

1796.87

6

6/2019

90660.58

1566.30

230.57

1796.87

7

7/2019

89090.37

1570.22

226.65

1796.87

8

8/2019

87516.22

1574.14

222.73

1796.87

9

9/2019

85938.15

1578.08

218.79

1796.87

10

10/2019

84356.12

1582.02

214.85

1796.87

11

11/2019

82770.14

1585.98

210.89

1796.87

12

12/2019

81180.20

1589.94

206.93

1796.87

13

1/2020

79586.28

1593.92

202.95

1796.87

14

2/2020

77988.38

1597.90

198.97

1796.87

15

3/2020

76386.48

1601.90

194.97

1796.87

16

4/2020

74780.58

1605.90

190.97

1796.87

17

5/2020

73170.66

1609.92

186.95

1796.87

18

6/2020

71556.72

1613.94

182.93

1796.87

19

7/2020

69938.74

1617.98

178.89

1796.87

20

8/2020

68316.72

1622.02

174.85

1796.87

21

9/2020

66690.64

1626.08

170.79

1796.87

22

10/2020

65060.50

1630.14

166.73

1796.87

23

11/2020

63426.28

1634.22

162.65

1796.87

24

12/2020

61787.98

1638.30

158.57

1796.87

25

1/2021

60145.58

1642.40

154.47

1796.87

26

2/2021

58499.07

1646.51

150.36

1796.87

27

3/2021

56848.45

1650.62

146.25

1796.87

28

4/2021

55193.70

1654.75

142.12

1796.87

29

5/2021

53534.82

1658.88

137.98

1796.87

30

6/2021

51871.79

1663.03

133.84

1796.87

31

7/2021

50204.60

1667.19

129.68

1796.87

32

8/2021

48533.24

1671.36

125.51

1796.87

33

9/2021

46857.70

1675.54

121.33

1796.87

34

10/2021

45177.98

1679.72

117.14

1796.87

35

11/2021

43494.05

1683.92

112.94

1796.87

36

12/2021

41805.92

1688.13

108.74

1796.87

37

1/2022

40113.56

1692.35

104.51

1796.87

38

2/2022

38416.98

1696.59

100.28

1796.87

39

3/2022

36716.15

1700.83

96.04

1796.87

40

4/2022

35011.07

1705.08

91.79

1796.87

41

5/2022

33301.73

1709.34

87.53

1796.87

42

6/2022

31588.12

1713.61

83.25

1796.87

43

7/2022

29870.22

1717.90

78.97

1796.87

44

8/2022

28148.03

1722.19

74.68

1796.87

45

9/2022

26421.53

1726.50

70.37

1796.87

46

10/2022

24690.71

1730.82

66.05

1796.87

47

11/2022

22955.57

1735.14

61.73

1796.87

48

12/2022

21216.09

1739.48

57.39

1796.87

49

1/2023

19472.26

1743.83

53.04

1796.87

50

2/2023

17724.07

1748.19

48.68

1796.87

51

3/2023

15971.51

1752.56

44.31

1796.87

52

4/2023

14214.57

1756.94

39.93

1796.87

53

5/2023

12453.24

1761.33

35.54

1796.87

54

6/2023

10687.50

1765.74

31.13

1796.87

55

7/2023

8917.35

1770.15

26.72

1796.87

56

8/2023

7142.78

1774.58

22.29

1796.87

57

9/2023

5363.77

1779.01

17.86

1796.87

58

10/2023

3580.31

1783.46

13.41

1796.87

59

11/2023

1792.39

1787.92

8.95

1796.87

60

12/2023

-0.00

1792.39

4.48

1796.87

Therefore, we need your banking information for the finalization of your file at my bank. Please provide us with your bank details as soot:

BANKING INFORMATION FROM THE BENEFICIARY OF USD $100.000, 00

Name and surname of the beneficiary's bank account holder: - - - - - - - - - - -

Beneficiary's bank account number: - - - - - - - - - - - - - - - - - - - - - - -

IBAN / SWIFT of the beneficiary's bank account: - - - - - - - - - - - - - - - - - -

Name of the beneficiary's bank: - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

Address of the beneficiary's bank: - - - - - - - - - - - - - - - - - - - - - - - - - - -

Telephone number of the beneficiary's bank: - - - - - - - - - - - - - - - - - - - -

Note that you will have to sign a loan agreement, certificate of insurance and a bank commitment before my bank can contact you to credit your bank account within 48 hours.

Concerning the payment of the insurance charges of the USD$100.000, 00 you will pay USD$798 which will cover your insurance during the 60 months.

If all else if you please please confirm it to me so that I can give the order to my attorney of us the documents that both parties will have to sign.

Waiting for your reply

Mrs. ELIZABHETA MORINO

The president of the company "HELPS FINANCES"Mrs. / Sra. ELIZABHETA MORINO

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The contents of this e-mail and any attachments are confidential and are intended solely for the addressee, if it is not sent to you, or if you have received it by mistake, and in order not to violate the you do not have to pass it on to other people or reproduce it, please send it back to the sender and destroy it.Warning: The Organization of the sender of the message can not be held responsible for the alteration of this e-mail. It is up to the recipient to verify that the messages and attachments received do not contain any viruses. The opinions contained in this email and any attachments are those of the issuer. They do not reflect the position of the Organization unless otherwise provided in this e-mail.

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El contenido de este correo electronico y los archivos adjuntos son confidenciales y estan destinados exclusivamente al destinatario, si no se le envio a usted, o si lo ha recibido por error, y para no violar el no tiene que pasar en otras personas o reproducirlo, por favor envielo al remitente y destrúyalo.Advertencia: la organizacion del remitente del mensaje no se hace responsable de la alteracion de este correo electronico. Depende del destinatario verificar que los mensajes y archivos adjuntos recibidos no contengan ningún virus. Las opiniones contenidas en este correo electronico y los archivos adjuntos son los del emisor. No reflejan la posicion de la Organizacion a menos que se indique lo contrario en este correo electronico.

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Mr

THE PAYMENT OF THE INSURANCE CHARGES ON THE LEVEL OF THE AGENCY OF INSURANCE OF THE BANK OF BENIN BY WESTERN UNION

In Benin, the subscription of a life insurance disability is, in practice, a condition posed by the financial institutions and organizations of credit for the subscription of a loan in the short or the long term. If the financial institutions and organizations of credit impose the covering of the death risks - disability - incapacity, they can also propose in option a covering of the risk of job loss. More known under insurance unemployment, this last exemption makes out, in the event of realization of the risk of job loss, the taking credit to temporarily pay the monthly payments of its loan. Therefore my bank requires has all my borrowers who live out of country of paid the insurance charges.

Whatever the put warranty concerned, the times of declaration which appear in the contract of insurance must be respected. In the contrary case, that can have as a consequence the loss of the allowance or the payment of the allowance only starting from the sending of the declaration. Those are described in the note given at the time of the subscription. According to the article L. 112-2 of the Code of the insurances, documents given to the borrower at the time of the subscription of the loan, and thus of its adhesion to the insurance. It is the insurance company which will refund the loan in the event of death or of disability of the borrower.

This being said, to give more to insurance to us lenders to cover our claim in the event of disability or of death, we give to the insurance an obligatory character.

The contract is in part to join, I already signed, it remains only you.

I spoke with the director about my bank Mr. JONAS GNANTCHI and all is already ready, it is enough now that you sign the contract and signed the commitment of loan and to pay the insurance charges of loan which rise has USD$798, 00 these expenses are paid in the event of acceptance of your loan application and as you can see it, your loan application is accepted and validated.

Here the number of your file that you must keep it jealously the bank you will require it for a checking of file the number of your file is: NoBE00976/MV5667/AN . For a good performance, you must carry out the payment of these insurance charges today or term of your capacities. The transfer of the funds towards your bank account will be done after having to carry out the payment of the insurance charges, we have 48 hours for you credited your bank account.

For that, I also hold to inform you that the director of my bank Mr. JONAS GNANTCHI and me were appropriate that the payment of the insurance charges will be carried out by Western Union directly on its address for the finalization of your loan application. After the signature of the trust deed and the payment of the insurance charges USD$798 my bank will credit you your bank account. Here the address of payment on which you will carry out the deposit of the insurance charges:

ADDRESS OF THE PAYMENT OF THE USD$798, 00 BY WESTERN UNION

FIRST NAME: JONAS

NAME: GNANTCHI

COUNTRY: BENIN

CITY: ST LOUIS

ADDRESS: PALAZZO B7 MILANOFIORI ST LOUIS

Please join the form of the deposit to me after having carried out the transfer of the payment of the insurance charges with the trust deed and the signed commitment.

I expect your answer for the rest of the procedure!

   
Miss Young

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