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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:

Fraud email example:

From: Capital Finance <>
Date: Sun, 16 May 2021 03:49:24 +0800 (HKT)

Attention: MD/CEO.


Are you in need of a loan? At Capital Finance Inc. United Kingdom, we grant loans to both corporate and private entities at a low interest rate of 3% R.O.I per annum. We grant loan ranging from £10,000.00(Minimum) up to £20,000,000.00(Maximum).

We like to grant loans in the following sectors: oil/Gas, banking, real estate, stock speculation and mining, transportation, health sector and tobacco, Communication Services, Agriculture, Forestry & Fishing, thus any sector. The terms are very flexible and interesting.

Get that loan that will enable you finance a new car, buy that dream home, or even to start a small business. Our personal/ corporate loan of up to £20,000,000.00 allows you fixed repayments for the full loan term compounded at 3% interest rate per annum. Capital Finance Personal Loan covers for 24, 36, 48, 60, 120, 180 and 240 month period depending on your preference and affordability.

Your financial freedom starts immediately today with an enquiry/reply email to Capital Finance Inc.

Best regards,

Mr. Lambert Ford.

Capital Finance Inc.

London N11 1NP, United Kingdom

Anti-fraud resources: