419 scam: "Union Savings And Loan Co." <info@loan.co.uk> Are You In Need Of A Loan?

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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:
- "you are advise to" (this email uses bad English)
- "loan amount" (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!)
- "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 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.
- unionfinancialservice11@yahoo.com.hk (email address has been used in a known fraud before)

Fraud email example:

From: "Union Savings And Loan Co." <info@loan.co.uk> (may be fake)
Reply-To: unionfinancialservice11@yahoo.com.hk
Date: Thu, 27 May 2010 18:05:38 -0400 (BOT)
Subject: Are You In Need Of A Loan?

UNION FINANCIAL AND LOAN FIRM
Woodlands Road,
Leatherhead Liverpool,
102.SE London,
United Kingdom.

Hello,
Are you a business man or woman ? Are you in any financial mess or do you
need funds to start up your own business? Do you need loan to settle your
debt or pay off your bills or start a nice business? If you've been
dreaming about buying a home for your family, we can help put your name
on the door.

Talk to us. We are here to listen, and you can use our expertise to take
the right decision. Count on us for guidance on legal and technical
matters, property search and home loans.

We've helped over 1.2 million families across the country buy their dream
homes. We'll be glad to be with you right through

We offer loan at low interest rate of 3% and with collateral and non
collateral, we offer Personal loans, debt consolidation loans, venture
capital, business loans, education loans, home loans or "loans for any
reason!".However, Our method, offers you the chance to state the amount
of loan.
Any interested Applicants should Fill the application details below and
send to the loan officer:

BORROWERS INFORMATION
Your names ................................
Your country................................
Your address ..............................
Your occupation ..........................
Your marital status ......................
Current Status at place of work.........
Phone numbers/Cell Phone/ Office phone..............................
Monthly Income...............................
Loan Duration........................
Loan amount.........................
How did you hear about us?..............
Any Line of Credit...................
Credit Type............
Limit Of Credit..........

You are advise to contact the below information for the processing of your
Loan Funds.

contact Person: Mr. Andrew Scott
E-mail: unionfinancialservice11@yahoo.com.hk

Thanks for your patronage.

Anti-fraud resources:

What can you do when you receive 419 spam