The AARP Bulletin has a section devoted to SCAM ALERTS  which provides comprehensive information on the scam and what to do to protect yourself to avoid the situation or what to do after the fact.

Kudos to AARP

See:

http://bulletin.aarp.org/yourmoney/scamalert/articles/databank_usa__identity.html

Some recent articles include:

"Scam Alert: Payday Lenders Target Social Security Recipients

 By Sid Kirchheimer

"For more information on the dangers of payday loans, visit www.paydayloaninfo.org."

 ****************************************************

Medical ID theft can injure finances, endanger lives

By Pamela Yip

*****************************************************

"Q. How are cheats able to charge calls to my phone?

 By Sid Kirchheimer

Hello, I am from Mexico but I was scammed many times, I want show you the last one of them, because I rejected his offer and then, "Arch Bishop John"  from "ST PATRICK FINANCIAL INSTITUTE", I mean, I asked him about scams, frauds, etc., then He wrote me: "If you are douthy of legit and reputable loan firm you have every right to quite the transaction. Our christain loan firm is a company where your financial problems are solved. Our transfering bank is going to ask you of transfer charges,this is because some person or group of persons came to obtain loan from our company after getting the loan that was the last time we hear from them,so this reason we take note of every thing that take place in here,and make sure bofore we give loan to any applicant the person need to take care of the cost of transfer. If you find any interest in this, you can email urgently with the requirement. God Bless You. Regards,Arch Bishop John.

ST PATRICK FINANCIAL INSTITUTE"

I guess the scam comes when they ask for your ss # and bank account number.  Now I see.  Then they clean you out.  Shameful, just shameful.!!!!!!!

Do you know of anyone who had anything taken from them?  I got an email fro m Mr. Lucino Corroller.

shelby_1167

Here is the latest scam loan offer:
======================

We are Steven loan firms is currently offering out loan to customers at a low interest rate of 3%.This is an opportunity you can't afford to miss. Loan amounts available: $2,000.00 to $900,000.00 .
 
My Name is Mr Steven Collier from ltaly.

Contact information
Email: [removed]
Name: Mr Steven

Information Needed
Full Name:
Contact Address:
Country and State:
City:
Nationality:

Loan Finance:
Loan Duration:
Marital Staturs:
Monthly Income:
Contact phone :
Zip Code:

We wish to assist you with a loan in the nearest feature.

Kinds Regards,
Mr. Steven Collier,
Collier Loans/CEO.

Classic scam!!!
=============

Dear Customer,

Our Head Office is now interested in your loan transfer.I want to let you know some thing about myself,i am a man of  God(Reverend) and i do not partake in any illegal transactions, because it is against my religion.

I am out for the truth.I have made sure that your loan has been approved by the Board of Trustee from our Head Office in The united Kingdom.Below is the account where you are to transfer the fee into:

Gideon Mbanu
Lioyds Tsb Bank
Account Number: [removed]
Sort code: 777216
Swift code: loydgb21e95
Iban: gb79loyd77721681670760
Address: 27 west gate, peterborough.pe1 1yh, UK 

As soon as you are done with the payment and i have receive a confirmation from our head office in United Kingdom i will not hesistate to transfer your loan.Hope to hear from you,so that we can come to the end of this transaction soonest.

God Bless You

Rev Dan Brown
General Consultant
Classic Trust Loan Firm

Latest Scam Loan Offer:
================

Congratulations on your Pre-Approval!     

Give me a call my name is Carol Blair at [removed]

We are pleased to inform you that your recent request for a loan has been Pre-Approved! At [removed] we ensure full satisfaction and comfort to our clients. From low interest rates to small monthly payments, we achieve high recognition from out neighboring competitors.

You can visit us at our website [removed] to learn more information about our services. Please contact us by Phone [removed] or fax [removed]. Do not hesitate to also correspond with me through email address [removed].

Thank You,

Financial Advisor

Carol Blair

FRAUD ALERT!!!! 

Here is a new one to be watchful for:

Here is one more fraudulent lender:

"UNIVERSAL GLOBAL FUNDING WORLD WIDE LENDER APPLY NOW
UNIVERSAL GLOBAL FUNDING. (WORLDWIDE PRIVATE LENDER)
Mr.pollhook. Loan Broker, UNIVERSAL GLOBAL FUNDING.

I am Mr pollhook,I am a private Loan lender,i offer Loans to
individuals, Firms and corperate bodies at 2.5% interest rate, loan
terms determinant.
Loan for developing businesses a competitive edge.
I offer the following kinds of loans
* Personal Loans (Secure and Unsecured)
* Business Loans (Secure and Unsecured)
* Undergraduate Loans
* Graduate Loans
* MBA Education Loans
* Medical Education Loans
* Legal Education Loans
* Study Abroad Loans
* Consolidation Loan
* Combination Loan
Collateral And Non- Collateral Loans
Loans For Your Business Startup: Loans for Everyone, I offer loans
between an amount ranging from £1, 000 to £100,000, 000"

How does the fraud work? I received this email recently.

Ty.

Today's loan fraudster (from Italy)... the same one under 4 different false names:

Cheap and Easy Loans

Hello,
Accept a low rate (3.%) personal loan for your new car, Debt Consolidation, Home improvements, family holiday, marraige purposes you name it and its yours. I offer a quick and free loan information service to fasten the application process.
E-mail me for more informations.

Yours Truly,

====================

We begamina loan company firms is currently offering out loan to customers at a low interest rate of 2%.Per Annum interest rate.
This is an opportunity you can't afford to miss it. we have good reputation in this country here in Italy,   we willing to offer you this loan.
We are one of the best loan company here in Italy,That funding can happen sooner than the expected time depending on the response speed of the clients and provision of the necessary requirements
To contact us :...

====================

This is a great opportunity for people that need loan.
This is a Loan Offer for serious business men and women who seek large or small finance to either establish to expand their business.
 
My name is Mr luciano corroller from Italy, am a private lenders here in Italy. and i offer my clients 3% my per Annum interest rate
clients.   want to assure you that i am a certified and Registered Money lender in Italy,   i am willing to offer you this loan.

Note: That funding can happen sooner than the expected time depending on the response speed of the clients and provision of the necessary requirements.
contact:...

====================

This is a Loan Offer for serious business men and women who seek large or small finance to either establish to expand their business.
 
My name is Mr steven from steven am a private lenders here in Italy. I want to assure you that i am a certified and Registered Money lender.I have a good reputation in this country here in Italy,   i am willing to offer you this loan.

The APR (Annual Percentage Rate) for the loan is an affordable 3% Per Annum interest rate.

Note: That funding can happen sooner than the expected time depending on the response speed of the clients and provision of the necessary requirements. contact:...

Today's bunch of fraudsters:
(thanks to W H O ~ K N E W for discovering a few of them)

==============================

"Attention:

We the management of Mr Peter White. A private Loan lender and a corporate financier for real estate and any kinds of
business financing.We offer Loans to individuals,Firms and other cooperate bodies who are in need of financial help or
assistant at a reduced interest rate.Loan terms determinant,and Capital is based between the range of $1,000 and
above,Loan for developing business a competitive edge/business expansion.
We offer the following loans category:
* Auto Loans
* Payday Loan
* Student Loan
* Mortgage Loan
* Personal Loan
* Business Loan
* Bad credit Loan
* Home equity Loan
* Debt Consolidation Loan"

==============================

"ABOUT US

Live- Media-Finance is a christian leaders financial services which was established in order to help the aim of person's who believe in jesus Christ.
In the 6-2-1989 my firm decided to setup a branch in three countries include Poland, Nigeria and Belgium, in order to help the finacial aid of people.
The year 4-2-1999 and 9-10-2003 my firm was awarded the best lending institution in England.

                         THE LOAN
Live-Media-Finance offers a loan ranging from the minimum amount of England pounds .£4,000 to the maximum of £ 8,000 )pounds.
American dollars $2,000 to the maximum amount of $8,000 000.00 .
Japanese yen(  ¥ 8,000 to the maximum of 10,000.000.00
Indian rupee(??. 10,000 to the maximum of 40,000 000.00
 
The interest rate is fixed at 3%.
 
                       OFFICE DAYS
 
Opening time mondays to fridays.( 9:00 am to 5:00 pm)
 Saturday( 9:00 am to 4:00 pm)" 

 

================================
 

"CATHOLIC FINANCIAL INSTITUTE 
                                                       The  soluction gate.......
 
 
catholic lending institute is a group of christian organisation who decided to assist humanity in the area of loan syndications,  We offer a comprehensive assortment of loan programs to meet the various needs of our customers. Let us find the loan that's right for you!
catholic lending institute was established in August 1992by a team of catholic loan   professionals, who came together under the vision of providing more than just loan consultation to their clients, offer our clients the reassurance and support needed throughout the entire loan process, by maintaining a consistent dialog with each client. We pride ourselves on our professionalism, knowledge, dedication and ethical conduct other companies strive to obtain.
As a mortgage broker, we offer the experience and know how necessary to present complete loan applications to various lenders. We have access to a wide variety of loan programs that guarantees the most competitive rates and financing options in order to get approved with the best possible rates.
Our product line includes, but is not limited to, start up Business,construction loan,debt consolidation loan,first time homebuyer programs, home equity lines of credit, adjustable rate mortgages, fixed rate loans, bond programs, jumbo loans, and sub-prime loans.
We are committed to helping our clients at every stage of the loan process and are highly dedicated to promoting homeownership in all communities.
if you are interested in our services do contact us now.
 
God bless you all....
 
Rev fr louis carter
(MD) cathoilc Financial Incorporated (CFI)"

Classic Nigerian scam:

"I am barrister Yusuf Azazi, Managing director(MD) netglobe financial istitution of Nigeria(NFIN)
which was established 2/5/89 in order to assist humanity in financial matters.
We give out loan to serious and minded individuals & coperate bodies who are in need of financial assistance.
Our interest rate is base on 3%
We transfer Money world wide with clear and understandable term.
If  interested, do contact us.

Thanks and God bless you.
Regards
Mr Yusuf Azazi
MD NETGLOBE FINANCIAL INSTITUTION OF NIGERIA
St herbert street Abuja, Nigeria"

Yet another scammer from today... or may be the same:

"Dear Prospective Client,

Maxleonard Financial Institute Inc. is a registered loan firm. Which have been authorised  by the Lenders Council to give out loans to individuals and co-operate bodies .

Our loans are charged at 5% (five percent) interest rate for a period of one (1) year.Our loan have been repositioned to meet our clients's day to day demands. We have been able, through our funding financed small and large scale projects all over Europe and America.

At Maxleonard, we do not worry about your Triple 'A' before granting the loan. We only try as much as we can to make sure that you achieve your financial freedom.

We do not care if you have been turned down by your bank. We only care about you and that's why we are here to give you your financial freedom. Do get back to us for your legitimate loan now.

Do get back to us as soon as possible with your decision so that we can proceed towards funding your loan. We hope you find our services attractive and flexible as we only care about your financial freedom and status.

Send your questions and concerns to us via reply. We will be waiting to hear from you soonest.

Regards,
Maxwell Leonard
Maxleonard Financial Institute Inc.

If  you are interested in sercuring a loan from our company, you will be required to fill the following details below which will enable us  prepare the loan rate and repayment schedule.

And our Attorney to prepare the Deed of Agreement that will bind this transaction between you the borrower and our company.

Title:
First Name:
Last Name:
Surname:
House Number:
Street Name:
City:
State:
Country:
Gender:
Telephone Number:
Social Security Number:
Occupation:
Date of  Birth (DD/MM/YY):
Loan Amount:
Loan Duration:
Purpose of Loan:

Maxleonard Financial Institute Inc."

Here is one more scammer from today:

"HELLO CUSTOMERS,
    Here is an opportunity for you to secure a loan for your business and pay off your bill,we are the best in the world,will give all our customers the best offer you can’t get elsewere.You can secure your loan just in 3days fast,reliable and safe.
Trust is our guarantee,just take a walk or email LUCK AND SON LOAN FINANCE for your guarantee loan offer,at 3% rate with a maximum of TEN YEARS,a minimum amount of $2000USD/POUNDS to maximum amount of $1.5millionUSD/POUNDS come for your loan now.Email:...
        CUSTOMER  PROFILE
NAME
YOUR CREDIT WORTH
AGE
GHELLO CUSTOMERS,
    Here is an opportunity for you to secure a loan for your business and pay off your bill,we are the best in the world,will give all our customers the best offer you can’t get elsewere.You can secure your loan just in 3days fast,reliable and safe.
Trust is our guarantee,just take a walk or email LUCK AND SON LOAN FINANCE for your guarantee loan offer,at 3% rate with a maximum of TEN YEARS,a minimum amount of $2000USD/POUNDS to maximum amount of $1.5millionUSD/POUNDS come for your loan now.Email:...
        CUSTOMER  PROFILE
NAME
YOUR CREDIT WORTH
AGE
GENDER
LOAN AMOUNT
LOAN DURATION
ZIP CODE
CITY
HOME ADDRESS
COUNTRY
PHONE NO
Best regards
LUCK ASLEY
      MD/CEO
SECRETARY
MR SAMSON
ENDER
LOAN AMOUNT
LOAN DURATION
ZIP CODE
CITY
HOME ADDRESS
COUNTRY
PHONE NO
Best regards
LUCK ASLEY
      MD/CEO
SECRETARY
MR SAMSON"

Here is another loan scammer:

"Hello I am Mark Clinton by name, the M D of Mark loans Venture , i am a Reputable, Legitimate & an accredited money Lender.I give out loans to individuals and companies in need of financial assistance.Do you have a bad credit or are you in need of money to pay bills? You can use this medium to solve all your problems as i render reliable beneficiary assistance and will be glad to offer you a loan at 2% interest rate. Services Rendered include: *Refinance *Home Improvement *Inventor Loans *Auto Loans *Debt Consolidation *House Loans *Line of Credit *Second Mortgage *Business Loans *Personal Loans *International Loans Please write back if interested. Upon Response, you'll be mailed a Loan application form to fill. (No social security and no credit check, 100% Guaranteed!) I Look forward permitting me to be of service to you. You reach us via e-mail:..."

Pretty Much scams.  But I just recieved this golden opportunity in my email this morning.  You are more than welcome to contact these people.... NOT.....To answer your question do your research and you can find a good lender.  If it is too easy or too good to be true it most likely is.

Hello Dear Friend,

Sorry for any inconveniences. Well, I just want to use this medium to thank you 
very much for your earlier assistance to help me in receiving the inheritance 
funds, without any positive outcome. I am obliged to inform you that I have 
succeeded in receiving the funds with the help of a new partner from Hamburg - 
Germany. Contact my secretary in Republic of Denmark because I have left the 
whole instruction to him on your behalf and instruct him where to send the 
U.S.D$ 1.5,000.000.00 with out any further delay for your compensation.

Please feel free to reach him immediately through his email or mobile number 
listed below for the quick release of your Cashier's Cheque:

Contact Name: Rev Brian John Brown
Email: revbrainbrown1960@gmail.com
Office Phone: +45-36981404

Note: You are to send him the following information to prove yourself to him:

YOUR FULL NAME:...............................
YOUR ADDRESS:................................
YOUR COUNTRY:.................................
YOUR AGE:.........................................
YOUR OCCUPATION:...........................
YOUR PHONE NUMBER:.............................


Note that if you did not send the above information complete, he will not 
release the cheque to you because he has to be sure that it's you whom is to 
receive the funds. Ask him to send you the total sum of  $1.5,000.000.00 Million 
US Dollars in Cashier's Cheque which i kept for you. In this moment, I'm very 
busy here in Hamburg - Germany because of the investment projects, which the new 
partner and I are having at hand. So feel free to get in touch with Rev Brian 
John Brown to send the Cashier's Cheque to you without any delay.

Thanks and God bless.
Mrs Janet Bauer Blige
Alstertal EKZ Heegbarg 31
Hamburg 22391 - Germany - +49 (0) 40 -6021400

Are there any legitament loan offers out there???? Is any of them a real lender...are ALL of them just scams?????

Here is another fraudster:

Goodday!

My name is Patrick Smith,i am a private money lender,
certified and guaranteed.you could get your loan
from me as fast as you want it to be,all you need to
do is to fill out these informations and send it to the provided
email as soon as possible so we could start with
your loan or you could send us an email for more
enquiries:  

Name:
Addresss:
Phone number:
Date of Birth:
Occupation:
Amount of Loan:
Loan Duration Limit:

Get back to my e-mail as soon as possible.Have a nice day.

  Best Regards,

   Patrick Smith

One more fraudulent loan offer:

"My name is Mr collier from  Italy  i am a private lenders here in Italy. I want to assure you that i am a certified and Registered Money lender.I have a good reputation in this country here in Italy,   i am willing to offer you this loan. The APR (Annual Percentage Rate) for the loan is an affordable 3% Per Annum interest rate..."

Boy , do I have a BIG SCAM  concerning THE IRS ! ! ! from soulight

BE AWARE OF THIS PHISHING SCHEME ! ! !

I just received this today in my e-mail . I went to the site that they tell you to go to , and it is a copy of the official IRS website . When they asked for my credit card number “in order to  process your account “ I sent the complete e-mail to the REAL IRS . I also read the following warning on the IRS page. If I hadn’t read the following letter and it’s link closely , my checking and banking account would have been wiped out !

 PLEASE BE AWARE OF THIS SCHEME . THOSE OF US WHO ALREADY HAVE LITTLE MONEY CAN FALL FOR THIS EASILY ! I ALMOST DID ! soulight

The Bogus e-mail :

From: service@irs.gov  Add Mobile Alert , 

Subject: IRS Notification!

Date: Fri, 25 Jan 2008 20:36:12 -0600

    Internal Revenue Service

         United States Department of the Treasury

After the last annual calculations of your fiscal activity we have determined that

you are eligible to receive a tax refund of $270,25

Please submit the tax refund request and allow us 2-6 business days in order to

process it.

To access the form for your tax refund, please click here ( I am omitting this bogus link-soulight)

Regards,

Internal Revenue Service

© Copyright 2008, Internal Revenue Service U.S.A. All rights reserved.

   ____________________________________________________________

From the real IRS site :  

 “ A recent e-mail scam tells taxpayers that the IRS has calculated their "fiscal activity" and that they are eligible to receive a tax refund of a certain amount. Taxpayers receive a page of, or are sent to, a Web site (titled "Get Your Tax Refund!") that copies the appearance of the genuine "Where's My Refund?" interactive page on the genuine IRS Web site. Like the real "Where's My Refund?" page, taxpayers are asked to enter their SSNs and filing status. However, the phony Web page asks taxpayers to enter their credit card account numbers instead of the exact amount of refund as shown on their tax return, as the real "Where's My Refund?" page does.”- from the official IRS phishing page here :  http://www.irs.gov/newsroom/article/0,,id=155682,00.html         

 Also from the official IRS site , the same link page as listed in green :

What to do if you become aware of an IRS related phishing scam

If you receive an unsolicited e-mail communication claiming to be from the IRS, please forward this message to: phishing@irs.gov using the instructions provided below.

If you forwarded a message to phishing@irs.gov, thank you for your submission.  The IRS is very concerned and aware of suspicious emails or phishing schemes.  You may not receive an individual response to your e-mail because of the volume of reports we receive each day.

Do not open any attachments to questionable e-mails, which may contain malicious code that will infect your computer. Please be advised that the IRS does not initiate contact with taxpayers via e-mails. Also, the IRS does not request detailed personal information through e-mail or ask taxpayers for the PIN numbers, passwords or similar secret access information for their credit card, bank or other financial accounts.

    If anyone gets this phishing scheme , go to the link directly above RIGHT AWAY and follow the directions for reporting it. This needs to be stopped so that people don't lose their money ! ! !   

When I went to the official IRS site , I was amazed at how real the bogus site had looked . These people who are trying to scam us have done their homework . So , if a little voice in your head has ANY DOUBT WHATSOEVER , LISTEN TO IT ! ! ! That is why my accounts are safe and untouched tonight . 

Things that I noticed :

1.  The e-mail had no Dear.....(my real name) at all . It just started out with the message.

2. They had a very real looking web site , but when they asked for my credit card number and debit account , I thought something was fishy.

3. If the IRS was sending me a refund , wouldn't they already know all my information? If it was the IRS , they would have sent a check through snail-mail . The IRS never sends e-mail unsolicited . I never sent any e-mail to the IRS , so who was this ?

soulight

For all those scammed & those who were solicited by scammers, please check the following link to learn who and where to file your complaints to help stop these criminals. 

http://onguardonline.gov/filecomplaint.html

Here is a REALLY interesting SCAM that I got in my email today:

********************************************
How are you and your family? Hope all is well, my name is Sgt. Timothy
Jefferson; I am an American soldier, serving in the military with the army
22nd infantry division. I desperately need your assistance, and got the
courage up to contact you, I know you will be surprise, I just hope you
will assist us. I found your contact information in an address book. I am
seeking your kind assistance to move the sum of US$21m (twenty one million
United States dollars) to you in United States; as far as I can be assured
that my share will be safe in your care until I complete my service here.

Source of money:
Some money in US dollars were discovered in dog kennels at a farm house
and guest houses in an estate near one of Saddam old palaces in Baghdad,
Iraq during an operation, and it was agreed by Sgt. Paul, Sgt.1st Class
Daniel and I that some part of this money be shared among us before
informing anybody about it. Since both of them saw the money first, they
did the informing, while I played the outsider to protect our interest.
This was quite an illegal thing to do, but I tell you what? No
compensation can make up for the risk we have taken with our lives in this
hell hole, in which my brother in-law was killed by a road side bomb last
time You will find the story of this money on the web addresses below;

http://www.right-thoughts.us/index.php/weblog/comments/the_first_thing_you_know_ol_saddams_a_millionaire/
http://www.jonathanforeman.com/military/nyp_iraq/04192003_chest.html

The above figure was given to me as my share, and to conceal this kind of
money became a problem for me, even after the initial probe of all
soldiers of our command which I was cleared from; so with the help of a
British contact working here and his office enjoy some immunity, I was
able to get the package out to a safe location entirely out of trouble
spot. and it was believes that it belongs to a British/American medical
doctor who died in a raid here in Iraq, and before giving up, trusted me
to hand over the package to his family in United State.
I have now found a much secured way of getting the package out of Iraq to
States for you to pick up, and I will discuss this with you when I am sure
that you are willing to assist me, and I believe and pray that my money
will be well secured in your hand.

I want you to tell me how much you will take from this money for the
assistance you will give to me. One thing I passionately ask from you is
not to discuss this matter with anybody, should you have reasons to reject
this offer, please and please destroy this message as any leak of this
information will be very bad for us soldier here in Iraq and tarnish the
reputation of other services men.

I do not know how long we will remain here, and I have been shot, wounded
and survived two suicide bomb attacks by special grace, this and other
reasons I will mention later has prompted me to reach out for help, I
honestly want this matter to be resolved immediately, please contact me as
soon as possible for now my personal email  [...]  , as this is my only way of
communication until I specify otherwise.

Bless you and your family.
Sgt. Timothy Jefferson

*****************************************

I guess scammers know no bounds..... 

Here is are two more examples of fraudulent loan offers:

"Hello,

We are Etan capitals,a private lenders,we lend worldwide,to any in need of financial assistance,with a 4% interest rate for 7yrs,I lend for all purpose.we are a group of experienced loan professionals,and we are interested in helping those in need of finance and money generally,we advise you take advantage of our loan offer,as it is convenient,easy and customer friendly,with no stress at all.

we offer the right solution to your financial needs.
 
Mrs Etan Rose.(CEO)"

============================

"Hello For terms and the loan, loans are given at a range of $5,000 - 15,000,000 USD at a 5% interest for a duration of 3- 20 years depending on the amount you need as loan. Here are my contact inforrmation below. Are you Out there hoping to get a lender who will finance your business here is the time apply for one today from Brife James he is there to help you out. for more on funds email him at... (email taken out)  For more fill the below information. Name___________ Country________ Address________ State__________ City___________ Zip Code_______ Amount Needed Duration_______________ Phone Number_________ Occupation___________ Thanks"

Here is one more fraudulent loan offer:

"ATTN.
      Do you need a loan from our loan firm.
          If yes?
   we offer both short term and long term loan here to all client both within and out side our environ at a very cheep interest rate of 0.2 per annual which make us the best on line lender in the Internet and UK, and loan are offer here to people who are in desperate need of loan
 contact us now at
email:financial_loansfirm@yahoo.co.uk
Address:34 Nevada RTN square,
Fulham,London
United Kingdom
Tel Numb: +447045713070
Fax Numb:+44707520505
financial loan company"

Here are a few more examples of fraudulent loan offers:

"Good day my Dear brothers and sisters in Christ, I am Mr Mike James, a Reputable, Legitimate & an accredited money Lender. I loan money out to individuals in need of financial assistance. Do you have a bad credit or you are in need of money to pay bills? i want to use this medium to inform you that i render reliable beneficiary assistance as I'll be glad to offer you a loan. Services Rendered include; *Refinance *Home Improvement *Auto Loans *Debt Consolidation *Line of Credit *Second Mortgage *Business Loans *Personal Loans *International Loans. Please write back if interested. Upon Response, you'll be mailed a Loan application form to fill. (No social security and no credit check, 100% Guaranteed!) I Look forward permitting me to be of service to you. Sincerely, Mike James Managing Director, Zenith Lenders"

============================= 

"Good day my Dear brothers and sisters in Christ,
I am Mr Mike James, a Reputable, Legitimate & an accredited money Lender.
I loan money out to individuals in need of financial assistance.
Do you have a bad credit or you are in need of money to pay bills?
i want to use this medium to inform you that i render reliable beneficiary assistance as I'll be glad to offer you a loan.
Services Rendered include;
*Refinance
*Home Improvement
*Auto Loans
*Debt Consolidation
*Line of Credit
*Second Mortgage
*Business Loans
*Personal Loans
*International Loans.
Please write back if interested.
Upon Response, you'll be mailed a Loan application form to fill.
(No social security and no credit check, 100% Guaranteed!)
I Look forward permitting me to be of service to you.
Sincerely,
Mike James
Managing Director,
Zenith Lenders"

==============================

"Goodday, We Offer Private, business Loans with very Minimal annual Interest Rates as Low as 7.5% within a 1 year to 5 years repayment duration period to any part of the world. We give out loans within the range of $1,000 to $1,000,000 USD. Have you been worried about getting a loan that cares about you, Come lets DISCUSS it for its our business to discuss about how you feel financially. Call on Mrs. Hern and Associates now, low or bad credit history, no problem. * Are you financially Squeezed? * Do you seek funds to pay off credits and debts? * Do you seek finance to set up your own business? * Do you seek loans to carry out large projects? * Do you seek funding for various other processes? If you have any of the above problems, I can be of assistance to you but I want you to understand that I give out my loans at an interest rate of 7.5%. * Borrow anything up to $ 1,000,000 USD. * Choose between 1 to 5 years to repay. * Choose between Monthly and Annual repayments Plan. * Flexible Loan Terms. Interested Persons should get back to me via email. I await your response. Regards Mrs. Marlyn Hern (Director)"

Here is one typical fraudulent "loan offer"... (discovered by WHO~KNEW):

"Good day,
Am mrs dolapo from manchester a reputable, legitimate & an accredited private lender.,i give Money out to all in need of help. Are you looking for money to pay bills?
i want you to know that i can help you with loan and i will be glad to offer you a loan.
i give out ;
Home equity loans
Auto Loans
Car loans
Mortgage loans
Business Loans
International Loans
Personal Loans
If you are in need of loan, in your next mail i want you to let her know the amount you need as loan so that she can send to you her loan terms and conditions.
You can reach her through her private email:
dolapo234@yahoo.com"

Here is one (discovered by Elaine of TSA):

"Hello, We got your email on the Internet while we are trying to bring our financial service closer to the doorstep of every american citizen.Although you have never posted a request for Loan,we just thought we should let you know about who we are and what we do in the united states of america offices of Havanah finance Inc.We are Havanah Financial Inc,Havanah Finance Realty Inc is an on-line trading name for Havanah Finance Inc; we specialised in giving Loan and Grants to individuals and corporate bodies, We can offer you a Loan (Personal Loan, Small and Large Business Loan, Home Loan and Project Financing Loan), suitable for your present needs; if you are interested in having it, we maintain our principal offices in London (England), France,Zurich (Switzerland) but have our agent locations in Florida and also in Prineville Oregon with the hope of establishing a bigger branch in the states as soon as we gain ground with customers over there. What can be more devastating to have a vision but not the funds to make those vision a reality? We will Raise that capital you have been looking for, for those special programs/projects, We have a funding strategies that will allow you to get capital in the form of loan.Meeting your needs; We have a solution for nearly every situation;A leaky roof, tuition, an unforeseen bill, that big purchase, adding the deck you've always wanted, or just getting ahead on your monthly payments. Whatever your need, we've got your loan. Whether you are looking to tap into the money you've paid into your home, want to pay off high interest debt or are just looking for a small personal loan, Havanah Finance Inc offers a full spectrum of loan types to fit your needs. We will offer you a Loan with a Low interest rate and we earn your business a very good Financial backups, Do contact us as soon as possible,if you are still very much interested in having the Loan. Get back to us.Our Branches are well connected for easier Financial services that delight our customers globally; you don't have to be a slave anymore to debt, we want you to be free So you can email us at the following email addresses:- (ia) Mrs Carlos Gilberto hv_finance@yahoo.fr (ib) Mrs Heather Dougherty hvfinance@hotmail.com (ii) Mr Michael Shelton hvfinance101@gmail.com Mr. Carlos Gilberto Customer service"

Here is another one (discovered by Elaine of TSA):

"Hello there, I got your Ad on here on your request for Loan,We can offer you a Loan suitable for you if you are interested in having it,Personal Loan,Small and Large Business Loan,Home Loan. We will offer you a Loan with a Low interest rate and wil earn your business a very good Financial backups,Do contact me as soon as possible,if you are still very much interested in having the Loan. you can mail me in my private email address "green_zent@yahoo.com" I await your reply. Dr.Green Zent Finance Director Swiss Finance Inc"

Here is one example of scam that was posted here on Aidpage:

"Tired of Seeking Loans and Mortgages? Have you been turned down constantly by your banks and other financial institutions? The goodnews is here !!! We Offer LOANS ranging from $5,000.00 Min. to $10,000,000.00 Max. at 5.5% interest rate per annun. LOANS for developing business a competitive edge/ business expansion. * Personal Loans (Secure and Unsecured) * Business Loans (Secure and Unsecured) * Consolidation Loan. We are certified, trustworthy, reliable, efficient, Fast and dynamic. Contact us Today..... FIRST INFORMATIONS NEEDED ARE: Full Name: Location: Age: Contact Phone numbers: Amount Needed/ Duration: Please do not click reply through Aidpage, All Replies should be forwarded to E-mail: email@yahoo.com Contact Name: Mr. Colin Beale"