419 scam: "IBCI LOAN"<loan@ibci.biz> Loan @ 3% Interest Rate No upfront downpayment:

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"419" Scam – Advance Fee / Fake Lottery Scam

The so-called "419" scam is a type of fraud dominated by criminals from Nigeria and other countries in Africa. Victims of the scam are promised a large amount of money, such as a lottery prize, inheritance, money sitting in some bank account, etc.

Victims never receive this non-existent fortune but are tricked into sending their money to the criminals, who remain anonymous. They hide their real identity and location by using fake names and fake postal addresses as well as communicating via anonymous free email accounts and mobile phones.

Keep in mind that scammers DO NOT use their real names when defrauding people.
The criminals either abuse names of real people or companies or invent names or addresses.
Any real people or companies mentioned below have NO CONNECTION to the scammers!

Read more about such scams here or in our 419 FAQ. Use the Scam-O-Matic to verify suspect emails.

Click here to report a problem with this page.

Some comments by the Scam-O-Matic about the following email:

An email address listed inside this email has been used in a known fraud before.
This email uses a separate reply address that is different from the sender address. Spammers use this to get replies even when the original spam sending accounts have been shut down. Also, sometimes the sender addresses are legitimate looking but fake and only the reply address is actually an email account controlled by the scammers.
The following phrases in this message should put you on alert:
- "million dollars" (they want you to be blinded by the prospect of quick money, but the only money that ever changes hands in 419 scams is from you to the criminals)
This email message is a 419 scam. Please see our 419 FAQ for more details on such scams.
This email lists free webmail addresses. Use of such addresses is typical for scams. Lotteries, banks and any but the smallest of companies do not normally use such addresses. Criminals use them to anonymously send and receive email at Internet cafes.
- henry.lloyds273@gmail.com (email address has been used in a known fraud before)

Fraud email example:

From: "IBCI LOAN" (may be fake)
Reply-To: <henry.lloyds273@gmail.com>
Date: Tue, 10 Sep 2013 16:11:32 -0700
Subject: Loan @ 3% Interest Rate No upfront downpayment:

INTERNATIONAL BUSINESS CONSORTIUM INC
With IBCI Credit & Finance, You get Long Term, Fixed rate financing for a very reasonable interest rate.
And the best news is that you typically pay no upfront down payment. An IBCI loan is for Purchase and Improvement of long term fixed assets such as lands, Buildings, or certain equipment, offsetting of Mortgage debts and card loan. As the premier national financing program for small businesses that are expanding and creating jobs. IBCI Loans are truly the money that makes you walk tall.
Who is Eligible? Independently owned, for-profit businesses that meet the IBCI Requirements are eligible. Generally these are businesses that are ready to expand by investing in fixed assets.
Generally these are businesses that are ready to expand by investing in fixed assets loan ranging from $50,000 to Several Million Dollars.
How do I apply? It’s easy, Get Started write,
Full Name: _________________________
Gender: _______________________________
Marital status: _____________________
Contact Address: ______________________
City/Zip code: ________________________
Country: ______________________________
Date of Birth: ________________________
Amount Needed as Loan:________________
Loan Duration: ________________________
Monthly Income/Yearly Income:_________
Occupation: ___________________________
Purpose for Loan: _____________________
Phone: ________________________________
Fax: __________________________________

Kindly contact Henry Lloyds or Melissa Kuipers for immediate loan processing with no down payment on meeting our requirements we will send you our agreement for signing. Then our Accounts manager will screen your details speak with your bank then credit your account upon final approval. On confirmation of the loan into your account you will then pay us our charges and interest rate.
Henry Lloyds
Henry.lloyds273@gmail.com
(918)212-4249
Melisa Kuipers
Mellisa.kuipers@outlook.com
(940)604-4237

Anti-fraud resources:

What can you do when you receive 419 spam