419 scam: Naman Kheraj <namamkheraj@gmail.com> Perfect Payday 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:
- "from the desk of" (a common phrase found in 419 scams)
This email message is a 419 scam. Please see our 419 FAQ for more details on such scams.
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.
- nawazfahad425@gmail.com (Gmail/GoogleMail; can be used from anywhere worldwide)

Fraud email example:

From: Naman Kheraj <namamkheraj@gmail.com>
Reply-To: nawazfahad425@gmail.com
Date: Tue, 10 May 2022 10:24:17 +0100
Subject: Perfect Payday Loan

*FROM THE DESK OF MR NAMAM KHERAJ*

*Dear **Client,*

*I am a financial consultant to a group of Arab Investors whom i have their
consent to manage their funds which is in our custody for co-operation in
joint venture business investments. My pool of angel investors consists of
high net worth individuals who are seeking to invest in viable businesses
and capital projects across the globe.*

*The major areas of interests for the investors are:- Real Estate /
Hospitality / Tourism Construction / Renewable & Green Energy / Health care
/ Mining / Import & Export / General Trading / Oil & Gas / Aviation /
Telecom & IT or any other viable project you can present to their table. If
you have a good background in any of these sectors with the intent to
expand operations or start a project you deem viable, then kindly email
your business plan to Mr.Nawaz Fahad for further
discussions.(nawazfahad425@gmail.com <nawazfh@outlook.com>)*

*However, all viable proposals within reason will be considered. Funds
shall be made available to you as a direct investment loan at 5% interest
rate per annual for a period of 5 or 10 years depending on what you *
*Prefer. *

*Regards,*
*Mr Namam Kheraj,*
*Private Financial Consultant*

*-------------------------------------------------------------------------------------------**This
message and any attachments may contain confidential or privileged
information and are only for the use of the intended recipient of this
message. If you are not interested, please notify the sender by return
email, and delete or destroy this and all copies of this message and all
attachments. Any unauthorized disclosure, use, distribution, or
reproduction of this message or any attachments is prohibited and may be
unlawful*

Anti-fraud resources:

What can you do when you receive 419 spam