419 scam: Zurich Insurance Co UK Ltd <ebpastolero@fda.gov.ph> Cheap Loan At 3% Interest Rate,

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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:
- "million us 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)
- ",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)
- "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!)
This email message is a 419 scam. Please see our 419 FAQ for more details on such scams.

Fraud email example:

From: Zurich Insurance Co UK Ltd <ebpastolero@fda.gov.ph>
Reply-To: Zurich Insurance Co UK Ltd <zurich_insurance@mynet.com>
Date: Wed, 12 Nov 2014 13:17:33 +0800 (PHT)
Subject: Cheap Loan At 3% Interest Rate,

Are you in any financial difficulties? Do you need a business loan to enlarge your business? Apply for a loan now and get approved. We assist individual or firm to acquire a loan in the bank (Lloyds TSB Bank PLC/Alliance Leicester Bank etc.). We offerâ€™s all kinds of loan at a reduced interest rate of 3%.(Business Loan, Personal Loan, Consolidation Loan, Car Loan, Investments Loan, etc.) Loan amount between the sum of $10,000.00USD, $50,000.00, $100,000.00USD, $500,000.00USD, (Five Hundred Thousand Dollars) to $1,000,000.00USD, (One Million US Dollars) with a Collateral , we have been leasing out loans to those in financial stress and also for business expansion. Contact us today by email and get approved.

Thanks,

Yours Sincerely,
Financial Assistance Dept.
Zurich Insurance Co. (UK) Ltd.

Anti-fraud resources:

What can you do when you receive 419 spam