419 scam: RCS Financial Services <donotreply@cloudnet.net> FIXED RCS LOANS APPLY FOR EASY AND QUICK 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:

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:
- ",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)
- "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!)
- "apply@rcsfinanceloan.co.za" (This email address looks like addresses used in fake loan scams. Be suspicious of any lender who uses a free webmail address or who is based in different country from yourself.)
This email message is a 419 scam. Please see our 419 FAQ for more details on such scams.
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.
- +27733378974 (South Africa, prepaid mobile phone)

Fraud email example:

From: RCS Financial Services <donotreply@cloudnet.net>
Reply-To: rcsfinance@outlook.com
Date: Sun, 08 May 2022 15:45:48 -0400
Subject: FIXED RCS LOANS APPLY FOR EASY AND QUICK LOAN

Welcome To RCS FINANCIAL Services=20

If you want to give your lifestyle a boost or have an unexpected expense =
to deal with, RCS Financial Services is the cost-effective way of making it=
happen.
At RCS Financial Services We are flexible: you can borrow from R7,500 to R=
30, 000, 000 and affordable repayment periods range from 12months to 20year=
s.
We offer a comprehensive range of personal loans, business loans, home loa=
ns and debt consolidation loans as well as Car Finance that can be adapted =
to suit your changing needs and circumstances at 5% interest rate.
Features & Benefits
Immediate access to your funds after approval Flexible repayment terms.
The ability to pay off your loan faster (extra payments reduce the capital=
amount of the loan) Your first repayment of the loan begins in three month=
s after approval.
Flexible repayment options (from 12 to 120 months) Credit Decision Within =
24 Hours
Cash in your account within 24 hours on approval Fast and easy process
Free monthly statement via email or SMS
Customer Protection Insurance for your peace of mind Interest at 5% (max) =
per annum
Apply for your Loans Now
/ Personal Loans / Business Loans / Debt Consolidation / Car Financ=
e / Home loans Are you blacklisted? Apply Now Even if you have bad Credit=
we will assist you.
RCS Representative Table Examples Schedule
=20=20=20
Loan Amount
Duration (Year)
Repayment Period
Loan Amount
Duration
Repayment Period
Loan Amount
Duration (Year)
Repayment Period

R20,000
2
R877.43
R20,000
3
R599.42
R20,000
5
R377.42

R50,000
2
R2,193.57
R50,000
3
R1,498.54
R50,000
5
R943.56

R100,000
3
R2,997.09
R100,000
4
R2,302.93
R100,000
6
R1,610.49

R150,000
3
R4,495.63
R150,000
5
R2,830.69
R150,000
7
R2,120.09

R300,000
4
R6,908.79
R300,000
6
R4,831.48
R300,000
8
R3,797.98

R400,000
5
R7,548.49
R400,000
7
R5,653.56
R400,000
9
R4,606.91

R600,000
6
R9,662.96
R600,000
8
R7,595.95
R600,000
10
R6,363.93

R800,000
7
R11,307.13
R800,000
9
R9,213.82
R800,000
11
R7,891.59

R1,000,000
8
R12,659.92
R1,000,000
10
R10,606.55
R1,000,000
12
R9,248.90

=20
Businesses or Individuals interested in applying for a loan with RCS Financ=
ial Services or who simply require more information. TO APPLY, simply FILL =
THE ATTACHED FORM and SEND back with a copy of your ID and 3 MONTH BANK STA=
TEMENT Via (apply@rcsfinanceloan.co.za) or call us on: Customer Switchboard=
+27 73 337 8974
=20
=20=20=20
Thank you
=20=20
Melanie Hudson
Senior Loan Consultant
=20=20
Golf Park 6, Raapenberg Road Mowbray, 7700, Cape town ,South Africa
Reg No.: 2000/017891/07 ; NCRCP 38 ; FSP 44481=20
=A9 2022- RCS Group. RCS is a registered Credit and Financial Services Pro=
vider. NCRCP 38. FSP 44481=20
RCS Proprietary Limited (Reg No.: 2000/017891/07) is a registered credit pr=
ovider and authorized financial services provider

Anti-fraud resources:

What can you do when you receive 419 spam