419 scam: "MARJORIE PABILAN DICHE" <info@bdo.com.ph> BUSINESS OFFER

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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.

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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:
- "million united states 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)
- "is 100% risk free" (almost true for the criminal trying to scam you - arrests of online criminals are rare)
- "chambers" (Barristers (lawyers) mentioned in 419 scams are always fake.)
This email message is a next of kin scam.

Fraud email example:

From: "MARJORIE PABILAN DICHE" <info@bdo.com.ph>
Reply-To: marjoriepabilandiche1990@gmail.com
Date: Mon, 14 Apr 2014 23:45:18 +0200 (CEST)
Subject: BUSINESS OFFER

Hello,

I am wishing you the best of today, I am Marjorie Pabilan Diche, I serve
as Regional Auditor of Banco de Oro Universal Bank (BDO) and Regal
Properties Inc.I am a top official in charge of client account in
(EQUITABLE PCI BANK) which is now Banco De Oro Universal Bank inside the
Philippines. I have contacted you using the directory of the international
chambers of commerce which banks uses to surf for international clients
and from loan logs worldwide directory. I used to serve as the director of
equitable pci, who merged with Banco de oro Universal Bank in 2007,of
which after the merger i remained working in the same institution.

I have a business proposition for you, that is why I have contacted you
with the hope that you can be my associate by accepting to stand as the
legal recipient to a Fixed-Income deposit, valued at $10.2Million united
states dollar as the beneficiary of the funds. Which i have planned to
invest in your country with your assistance.and your total commitment we
shall have this transaction sealed within days.

Please bear in mind that this transaction is 100% risk free and it shall
pass through all laws of international banking and there will be no cost
from your side As i will be responsible for all legal document and the
services of the lawyer. Your share in this endeavor is 30% of the total
money which is approx. $3.2million united states dollars. All this
transaction will take only 7 working days after you provide your

This is to enable the attorney who is handling the legal papers in your
name to complete the procurement of the necessary will documents and
probate registry making you the sole beneficiary to the funds.

If you are willing to make a change in the future financially please reply
asap today.

Thank You,
Marjorie Pabilan. Diche

Anti-fraud resources:

What can you do when you receive 419 spam