419 scam: "Michael Dudley"<info@office.com> Direct Loan Offer Of 3% Interest Rate Annually for you(Reply)

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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:

An email address listed inside this email has been used in a known fraud before.
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.
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.
- smichaeldudley@gmail.com (email address has been used in a known fraud before)

Fraud email example:

From: "Michael Dudley" (may be fake)
Reply-To: <smichaeldudley@gmail.com>
Date: Thu, 6 Oct 2022 01:28:05 -0700
Subject: Direct Loan Offer Of 3% Interest Rate Annually for you(Reply)

Hello,

I am directed by our equity, capital and re-capitalization advisers to contact you. I am Mr.Michael Dudley, a loan consultant working for a private financial service firm managing huge funds of various entities. We run operations such as wealth management, International lending, International business and project finance. We have also included a portfolio known as International Business Intervention Loans to provide funding for businesses and projects affected by the Corona-virus outbreak.

Our interest rate is as low as 3% per year. Our loan limit is between US$2 million and US$1.2 billion. We offer 6 months moratorium/grace period, 2 years interests payment only and maximum 20 years capital repayment period. If you are looking for a loan for your business or project, kindly contact me by email.

Note: Even if you don't want loan or finance, you can refer us to someone who need the loan on a profit sharing basis whereby we pay you an upfront 3% of our approximated profit as a broker and referral fee.Hence you will work for us as a broker.

We are simply the best.

Mr.Michael Dudley
Loan Scheme Consultant & Broker
Email contact: smichaeldudley@gmail.com

Anti-fraud resources:

What can you do when you receive 419 spam