419 scam: "Island Credit Union,Ltd"<needfinancek@live.com> British Association of Credit Unions Developmet

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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:
- "cheque " (Beware of any scheme that involves cashing checks or money orders and then wiring a portion of the funds somewhere - you'll be liable for the entire amount if the checks or money orders turn out to be fake, even after you have received and forwarded cash. If it's a lottery prize, remember that real lotteries do not pay large prizes by check. They wire the money directly to your bank account and you do not pay for that. Many scammers promise a large check only in order to then demand payment of courier fees for a fake courier service. )
- "needfinance@live.com" (this email address has been used in a known scam)
This email message is a fake lottery scam. Consider the following facts about real lotteries:
1. They don't notify winners by email.
2. You can't win without first buying a lottery ticket.
3. They don't randomly select email addresses to award prizes to.
4. They don't use free email accounts (Yahoo, Hotmail, etc) to communicate with you.
5. They don't tell you to call a mobile phone number.
6. They don't tell you to keep your winnings secret.
7. They will never ask a winner to pay any fees to receive a prize!
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.
- +447031833452 (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.
- needfinance2010@aol.com (AOL; can be used from anywhere worldwide)
- 443 8265/ +44 844 443 8305/ +44 844 443 8349 email: needfinance2010@aol.com / freddienew2008@gmail.com / islandcreditunion@herzeleid.net (Aol; can be used from anywhere worldwide)

Fraud email example:

From: "Island Credit Union,Ltd" (may be fake)
Reply-To: <freddienew2008@gmail.com>
Date: Fri, 27 Aug 2010 00:59:15 -0000
Subject: British Association of Credit Unions Developmet

UNDP
FLAT 7, OAK HOUSE, OAK ROAD
TUNBRIDGE WELLS, KENT
TN2 3AN.UK
TEL/ FAX: +44-703-183-3452
EMAIL: needfinance@live.com

Sir/Madam,

The United Nations Association of Great Britain and British Association of Credit Unions Developmet
Programme, and Charity in conjunction with the United Nations Development Programme (UNDP), are giving
out a yearly donation of US$550,000.00 (Five Hundred and Fifty Thousand United States Dollars) to 100 l
ucky recipients. These specific Donations/Grants were awarded to 100 lucky international recipients
worldwide; in different categories for their personal business development and enhancement of their
educational plans. This is a yearly program, which is a measure of universal economic development
strategy.

This is to inform you that your Email address have won a prize money of US$550,000.00 (Five Hundred and
Fifty Thousand United States Dollars) as one of the final recipients of a Cash Grant/Donation for your own
personal, education and business development for this year 2010. Based on the email random selection
exercise of internet websites and millions of supermarket cash invoices worldwide, you were selected
among the lucky recipients to receive the award sum of US$550,000.00 (Five Hundred and Fifty Thousand
United States Dollars) as charity donations/aid from the UNDP, EU and the UNO in accordance with the
enabling act of the EU Finance Commission. You are required to fill the form below and email it to our
United Nations Delegate below for qualification documentation and processing of your claims. After
contacting our office with the requested data, you will be given your donation official payment pin number
which you will use in collecting the funds.

INSURANCE SURETY BOND

We hereby guarantee to pay all outstanding international recipients winners subject to this fund being paid
to us through the ECB (European Central Bank) Further more, based on the Issuance Policy as attached to
the deposit under the custody of ECB suspense account states (Indemnity Against Losses from Theft,
Defaultcification and Misappropation of Funds caused by the parties in the named Surety Bond). Note: EU
Court of Auditors does not deduct any taxes or handling fees from all specific Donations/Grants, the total
fund is therefore not deductable or subtractable by any authority until the beneficiary receives the total sum
complete in his account or via payment by certified cheque to your designated address this is due to various complications arising from corruptly Government Agent or solicitors in this case demands for the benefit of international recipients winners, or accepts or agrees to accept, anything of value from any person, intending to be influenced or rewarded in connection with any business, transaction, or series of transactions of such organization, government, or agency involving all specific Donations/Grants awarded recipients winners. The ECB (European Central Bank) has given all recipients winners worldwide full assurance for the time and collection of all funds allocated to them through proof of Identification provided by the bonafied beneficiary of the fund. The United Nations Board of Auditors wishes to congratulate you as regards to the progress made by EU Team of Lawyers incolaboration with European Reserve Board, World Bank, European Central Bank (ECB) were able to
review these payment file through
The EU Finance Commission has given Instruction to the European Central Bank (ECB) for the full
reimbursement of the deposited fund fund pending your quick response to our directives as payment can be
electronically transferred from the ECB checking account to your account through the automated clearance
house (ACH) European Central Bank Private Banking Network in UK. For payment Online Enquiry calls from
your mobile using below bank contact details.:

Island Credit Union Ltd
122 Pyle Street, Newport PO301JT, United Kingdom
Alex Dean (Customer Service Account Manager)
Tel: +44-7045721495/ +44-7035954506/ +44-7024097537
Fax: +44 844 443 8196/ +44 844 443 8265/ +44 844 443 8305/ +44 844 443 8349
Email: needfinance2010@aol.com / freddienew2008@gmail.com / islandcreditunion@herzeleid.net / islandcreditunion-newport@herzeleid.net
Website: www.iowcreditunion.org.uk

You are advised to complete the following and Email or Fax to Isle of White Credit Union, Ltd –
1. Enter Full Names
2. Address
3. Phone, Fax and Email Address
4. Sex
5. Age
6. Occupation
7. Title
8. Nationality
9. Date Notified
10. Official Payment Pin Number

We expect your urgent response as to enable us monitor your payment effectively, thank you for your
sincere attention, understanding and compliance in this matter.

WILLIAM RICHARDSON (MAFB, PhD, PhD Accounting, Banking, CPA)
Finance Manager/ The United Nations Association of Great Britain and Northern Ireland (UNA-UK)

***********
This e-mail and any attachments are for authorized use by the intended recipient(s) only. They may contain
proprietary material or confidential information and/or be subject to legal privilege. They should not be
copied, disclosed to, or used by any other party. If you have reason to believe that you are not one of the
intended recipients of this e-mail, please notify Island Credit Union,Ltd immediately by reply e-mail and
immediately delete this e-mail and any of its attachments. Thank you.

Anti-fraud resources:

What can you do when you receive 419 spam