419 scam: "FAIR INVESTMENT COMPANY"<info@loan.com> APPLY FOR LOAN 3% INTREST RATE PER ANNUM

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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:

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:
- ",000,000" (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)
- "00,000.00" (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)
- "your loan " (Beware of fake loan offers. Real lenders would not normally use free webmail addresses such as Yahoo, nor would they lend to individuals or small businesses in a different country from where they are based. Beware of mobile phones or redirector numbers!)
This email message is a 419 scam. Please see our 419 FAQ for more details on such scams.
This email lists mobile phone numbers. Use of such numbers is typical for scams because they allow criminals to conceal their true location. They can receive calls in an Internet cafe from where they send you emails, while pretending to be in some office.
- +447045718740 (UK, redirects to a mobile phone in another country)
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.
- ficompany0010@aim.com (AOL Instant Messenger; can be used from anywhere worldwide)

Fraud email example:

From: "FAIR INVESTMENT COMPANY" (may be fake)
Reply-To: <info@fair-investmentcompany.9f.com>
Date: Fri, 2 Apr 2010 17:20:44 -0800
Subject: APPLY FOR LOAN 3% INTREST RATE PER ANNUM

Fair Investment Company
Prospect House
5 May Lane
Dursley
Gloucestershire

I am Larry Salami (Jnr) of the Fair Investment Company, a
Loan Lender and a cooperate financial for real estate and
any kinds of business financing. I also offer Loans to
individuals,Firms and cooperate bodies at low interest rate
of 3%.

Are you searching for a very Genuine loan? at an affordable
interest rate ?processed within 4 of 6 working days. Have
you been turned down
constantly by your Banks and other financial institutions?
The goodnews is here !!!

I offer loans ranging from $5,000.00 Min. to $10,000,000.00
Max. I give out long term loan for 5-25Yrs maximum.

We offer the following kinds of loans and many more;

* Personal Loans ( Unsecured Loan)
* Business Loans ( Unsecured Loan)
* Consolidation Loan
* Combination Loan
* Home Improvement.

Please if you are interested in our financial offer, you
will be required to furnish us with the following details to
commence with the process of your loan sum
accordingly.

First Name:___________________________
Last 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:__________________________________

In acknowledgment to these details, I will send you a
well calculated Terms and Condition which will include
the agreement.

Furthermore be informed that you will also need a form of
Identification which can be either a Driver's License
or your working Identity card.

Thanks For Your Interest.

Regards
Thanks for your understanding,
Larry Salami (Jnr),
Fair Investment Company.
Email:ficompany0010@aim.com
Tel:+447045718740

Anti-fraud resources:

What can you do when you receive 419 spam