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The Loan Dumbman
| This is another loan scam – no credit checks, low interest, lenient terms – just pay the made up fees like loan insurance, loan tax, and loan registration. I like these scambaits (being a Finance guy…) because I like to screw with the Finance terminology that they have no clue about. This one actually calculated the loan monthly payment correctly – mugu makes me so proud! My emails are in blue, his/hers are in black, my comments in red. Happy reading! |
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Good Day, I am a private investor i give out loans to Men and women who are in need of loan, personal loans E.T.C. we give out long term loan for five to fifty years maximum with 2% interest rate in this you can as well tell us the amount you need so that we will send to you the terms and condition that is if you are really interested in getting a loan from us, And if you need the loan to be transfered to you before 1st on January then you have to get back to us ASAP. Loans are given out in Great British Pounds and United States Dollar . I also render Collateral And Non- Collateral Loans For Your Business Startup. If you are interested you Fill out the application details below so that we can start the processing of your loan sum. For more informations send your application to demitry.homesloan@gmail.com APPLICATION DETAILS FULL NAMES: COUNTRY: STATE: GENDER: MARITAL STATUS: SEX: AGE: NEXT OF KIN: MONTHLY INCOME: PHONE NUMBER: MOBILE PHONE NUMBER: AMOUNT NEEDED AS THE LOAN: DURATION OF THE LOAN: In acknowledgment to these details, I will send you a well calculated Terms and Condition. Furthermore be informed that you will also need a form of Identification which can be either a Driver's License or your working Identity card. For more informations send your application to demitry.homesloan@gmail.com Sincerely, Mr.Demitry Lee. |
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I am interested in obtaining a Small Business Loan on behalf of my company. I would like more information about your firm. Please send me a brochure or prospectus along with your website details. I am looking to borrow upwards of $350,000.00 (short-term) and would like to see an interest rate schedule for various maturities up to 24 months. Please send me this information as well as any Finance and Underwriting fees there may be connected with this loan. Thank you very much. Thomas Payne Staff Accountant |
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Hello Applicant, I got your email. As written on my ad, I am a registered money lender offering loans to interested people. Qualifications: 1)The Borrower must be at least 18yrs old 2)Even with Bad credit, we still Guarantee the Borrower the Loan 3)The Loan Can Be Granted Even With low credit 4)There is no prepayment penalty. 5)You do not need a Co-Signer Repayment: Repayment is made Monthly or Yearly depending on the choice of the borrower .and The Repayment schedule for a Loan is calculated and sent to the borrower. Interest Rate: The Interest rate applicable to all Loans Is 2 %. The Loan Is Transfered to the Borrower via 1)Account swift transfer 2)Courier delivery service/Cheque 3)Money Gram 4)Western Union Offering you a loan is not a problem but if only you are in agreement with my loan terms of the loan amount you wish to borrow from me. Before loan terms will be sent to you, You will have to fill and return the below information about your self before the normal procedures. BORROWERS DATA'S FORM: FULL NAMES:COUNTRY: STATE: GENDER: MARITAL STATUS: AGE: NEXT OF KIN: MONTHLY INCOME: PHONE NUMBER: MOBILE PHONE NUMBER: AMOUNT NEEDED AS THE LOAN: DURATION OF THE LOAN: I will be expecting the receive the above information from you if you wish to proceed with this transaction. Have a nice day. Regard, Mr. Demitry Lee. |
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Here is your poorly written informational request.
BORROWERS DATA'S FORM: FULL NAMES:COUNTRY:Thomas Payne USA STATE:Ohio GENDER:Male MARITAL STATUS:Single AGE:39 NEXT OF KIN:None of your damn business MONTHLY INCOME:None of your damn business PHONE NUMBER:330-666-9269 MOBILE PHONE NUMBER:None AMOUNT NEEDED AS THE LOAN:$350,000.00 DURATION OF THE LOAN:2 years |
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Attn: Thomas Payne ,
I am in receipt of your Filled Loan Application Form, and below this email is the Loan Terms and Conditions for your Loan Amount of $350,000.00usd , And I want you to be rest assured that you are in the right place of getting funded as soon as possible and you will never have any regret of taking this Loan from my Company. I can lend you the money, but once again i want to be sure you are very serious and trustworthy Person, So you will let me know today how soon you can be able to make payment for the approval charges for the International Lending Government to issue out your Certificate for Lending World Wide. I want to use this opportunity to welcome you, I can fully assure you that you are in the very right place, and you will not have any cause to worry about and secondly you won't have any regret taking this loan from me. Once again you are very much welcome. Still Sorry for responding late as it was too much work on my desk. HERE ARE THE TERMS AND CONDITION. APPLICANT'S DETAILS: * Name Of Applicant: Thomas Payne, * Amount: $350,000.00usd * Loan Duration: ( 2 years) LOAN TERMS AND REPAYMENT SCHEDULE The loan repayment is based on a monthly basis which consist of the loan capital and interest rate together. Like its written, the loan duration period is for 1 years. So find the interest rate and payment schedule below: Loan Amount: $350,000.00 Loan Interest Rate: 2.00% Loan Term: 2 years Approval Charges: $2,500.00 Monthly Loan Payment: $14,889.09 Number of Payments: 24 Cumulative Payments: $357,338.21 Total Interest Paid: $7,338.21 Furthermore be informed that in line with the rules governing this organisation, you will be required to make payment on monthly basis. LOAN AGREEMENT/CONDITIONS: {1} The applicant will start the repayment of loan at the end of every month starting from 4 months after loan has been transferred. {2} Failure to pay back the loan at this expected date/period, legal actions will be taken against the applicant by our attorney immediately. {3} Applicant who is unable to meet with the repayment will be given 2 weeks more as a grace period before legal actions will be taken. {4} Note: I will be making the payment of your insurance and tax fee so your loan papers can be processed. {5} You are only expected to make the payment for the Approval Charges so your loan can be approved by the International Lending Government as soon as possible for immediate transfer to your bank account. And the amount you are to make is $2,500.00 uSD for your loan approval, once that is done you will have your loan. If you fully agree on this terms and condition, get back to me so we could proceed. Thanks for your understanding and co-operation. Best Regards, Mr. Passion, +234-8057-234-026 (Who the hell is Mr. Passion??? I will admit that I missed this in the course of the bait – I wish I would have seen it while the bait was going on.) |
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First of all - if you did not read either of my emails, I was inquiring about your company - please send me a brochure or prospectus as well as your web site details. I was also inquiring as to an Interest Rate Schedule for different maturities up to 2 years for the funds. Am I to understand that the APR is 2% for any term? I also notice that you talk about 3 charges for the loan; approval charges, insurance charges, and tax charges - what kind of nonsense is this???
Get back with me with your answers, Thomas Payne |
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Hello,
I got your mail but you missundertsood everything, i am not tellinf you that you are to pay for any fee, all i am trying to let you know is that I will be making the payment of your insurance and tax fee so your loan papers can be processed, You are only expected to make the payment for the Approval Charges so your loan can be approved by the International Lending Government as soon as possible for immediate transfer to your bank account. And the amount you are to make is $2,500.00 uSD for your loan approval, once that is done you will have your loan. I also understand that you want my websit but i am very sory to tell you that my websit is under contruction. I want to assure you that you will get this loan once you are ready to pay for the Aprover Charges. |
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It seems that you misunderstood my email as well. I would like to see some formal documentation about your company that is why I asked for a prospectus or brochure as well as your web details. I did not misunderstand that you said you would pay "Insurance" and "Tax" charges on the loan and that I was responsible for "Approval" charges - I was just questioning what they were.
Please explain in detail to me what each of these charges are; 1) Tax Charge 2) Approval Charge 3) Insurance Charge Thank you, Thomas Payne |
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Dear Applicant,
Your email was received in good faith and thanks for your urgent response.With understanding,Find below the answers to your question's. Tax Charge: A tax fee must be paid and this is due to the fact that you are not a Citizen of my country.The tax fee you are paying is called the Non-Residential Tax Fee and after the payment of this fee,You will be given a tax clearance certificate which i am to scan and send to you and proof of tax payment. Insurance Charge:Talking about the loan insurance,The loan insurance secures and protects the Loan from the following underlisted ways. Loan insurance protects the loan from the following unforseen attacks like ! Scam and Theft !! Terrorism and Drug Abuse. Most impportantly Infuture,If the borrower is not able to meet up the loan monthly repayment at the expected duration of time,The loan insurance company will help out due to the fact that the borrower at one time purchased an insurance policy from the loan insurance company.The loan insurance is solely the benefit of the Borrower. Approval Charge:The last but not the least.This approval charge is as simple as saying that without the payment of the approval charge,Your loan amount can not be approved for transfer by the loan approval Board. Note: I will be making the payment of your insurance and tax fee so your loan papers can be processed, You are only expected to make the payment for the Approval Charges so your loan can be approved by the International Lending Government as soon as possible for immediate transfer to your bank account. And the amount you are to make is $2,500.00 uSD for your loan approval, once that is done you will have your loan. I hope my explanation are clear and brief and incase you need more information's,Pls do not fail to ask. Thanks, Mr. Demitry Lee |
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Mr. Demitry Lee;
Thank you for your explanations. I was expecting you to send me a brochure or prospectus from your company - could you please do this? A couple of things I still don't understand that you did not bother to answer from my last email - are you saying that the APR on this loan would be 2% no matter what the term to maturity would be? As far as the charges go - your explanations were insightful, but I am doubting the validity of them. For instance - there is no such thing as loan insurance. If you charge "Loan Insurance" on your loans, then this is just a made-up fee on your part, maybe trying to gouge people who do not realize it. Yes, I know you said you would pay it, but I am telling you that it doesn't exist. Is this the same with the "Approval Charges"? Please get back to me with your answers, Thomas Payne Accountant |
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Hello Thomas,
I received your email and thanks for the promt response to my email. Acting in regards to the content of your email,My answer is YES as in regards to the APR of your loan amount and not matter the state of maturity the APR remains thesame.You dont have to be doubtfull about the valitidity of the APR as doubting this means you are in a way doubting the company's credibility to meet up with your standards and our sole aim of helping people finanacially. Talking about the loan insurance and registration charge,know that this is no made up fee,We do purchase insurance for all our give out loans in other to avoid the unforseen attacks i emailed to you previously. The loan insurance and loan approval are not thesame,The loan insurance is getting your loan amount insured and secured with the loan insurance company before we can make transfre to your bank account and while the loan approval is,The loan approval board will approve of your loan amount after confirmation of your personal information i am to pass to them. Also attached to this email is a copy of the loan insurance brochure which you are required to fill and return immediately so that we can get your loan insured.And pls send us the below information. YOUR MOBILE PHONE NUMBER: I hope my points are clear and well understood. Thanks, Demitry Lee. |
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I will look at your silly form but I am telling you there is no such thing as loan insurance. How does “loan insurance” help against drug abuse and terrorist attacks? That is one stupid comment. And for borrower’s that meet up with the financial responsibilities – that’s why they pay a higher interest rate that someone with good credit standing – this doesn’t become the responsibility of some made up thing like “loan insurance”. I am still waiting for the brochure and you web details.
Thomas |
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I got your mail and well understood.
I will like to let you know that there is no way i can send you a brochure about my company, i wold have love you to my website only that my web site is underconstuction, i will like also like you to know that you have nothing to worry about, I am a man honestly willing to help you with the loan you request.I am not one of those so called lenders who screw people out of their hard earn money promising loans without fulfillment . I will never screw anyone out of his/her hard earn money because it is against my religion as a devoted christain and at my age i cannot be a party to any scam activity.I will like to assure you that you are dealing with a matured personality and i will not let you down on this transaction and I belive like this transaction to lead to a more better business relationship that is why my trust and your's is needed in other to end this transaction in one peace and for us to get to know each other if this transaction ends up in one peace by God's grace. NOTE: If you know that you are really in need of this loan then you have to fill and return the insurance aquisation form i sent to you so that we can send it to the insurance bord to get your loan insured. Reply me in other to proceed further with loan terms and condition. Mr Demitry Lee. (Remember your sucess in life is likewise my sucess in life). Have a blisfull day. |
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I am very skeptical about doing business with a company that cannot give me any information except what you babble on about in emails. If you can’t provide me with proof or any information so that I can determine that you actually exists, then I will continue my search for a legitimate lender. All I asked for was a brochure and your web details.
Thomas |
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Hello Thomas,
I received your email and to go straight in giving you an answer,I wish to inform you that we can not provide you with our company brochure and prospectus and this is due to security reason's.If you need to know if we are certified and legit to meet standards of lending,We can provide you with our company Certification to lend and also emails address and numbers of those we have helped out with loan amount in the past. And attach to this mail is the company loan Certification. If you are down with this information,Get back to me. Thanks, Demitry Lee. |
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For security reasons you cannot give me an advertising brochure? That is the stupidest thing I have ever heard.
Never mind, Thomas Payne |
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I got your mail if the email i sent to you was For security reasons we cannot give you the companies prospectus i am very sorry for that But i am assuring you that you are with the right company for a loan and all i want you to do now is for you to fill and return the form i sent to you or maybe you are not comfortable getting a loan from us.
I will like you to send me your phone number i want to speark with you. so pls send me your phone number |
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No, I am not comfortable getting a loan from a company that only exists in email. You have no web site, and you want to give me some BS about not having a brochure or prospectus for security reasons? That is the most ridiculous thing I have ever heard. Go away, little man.
Thomas |
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Hello Thomas, I have just sent you a file of the Brochure through yousendit.com. Get back to me once you are through. Thanks, Demitry Lee. |
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I do not understand the purpose of you sending that last email. Please explain.
Thomas (He sent me a Prospectus of an Investment Company called Calvert Investment Foundation – I went thru the whole Prospectus and there are details of their holdings, but no Demitry Homes Loan, of course…) |
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Yes, you sent me a copy a prospectus from Calvert Investment Foundation, not from Demitry Homes Loan. What does this prospectus have to do with you?
Thomas Payne |
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HELLO.
YES I SENT YOU A COPY PROSPECTUS FROM CALVERT INVESTMENT FOUNDATION AND IT HAVE EVERYTHING TO DO WITH ME. DEMITRY HOMES LOAN ORIGINATED FROM CALVERT INVESTMENT FOUNDATION AND THAT IS WHY IT HAVE EVERYTHING TO DO WITH ME,DEMITRY HOMES LOAN ORIGINATED FROM CALVERT INVESTMENT FOUNDATION IN THE YEAR 1990 AND FOR THAT RESEAN IT HAVE EVRYTHING TO DO WITH DEMITRY HOMES LOAN. HOPE ON YOUR KIND UNDERSTANDING CAN YOU PLS SEND ME YOUR PHONE NUMBER? DEMITRY LEE. |
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Full Name: Thomas Payne Address: 1422 Lake Road City: Medina State: Ohio Zip code: 44256 Phone Number(s): 330-666-9269 Email Address: t.payne@xxxxxxxxxx.com Occupation: Accountant Here is my contact info as I have given it before. This company (Calvert) is located in Maryland, USA - where are you located? Thomas |
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I am located in UK but i am now in Africa for an important business trip and i will be going back to UK this week end.
I try calling you number but no one is picking my call. |
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I was not at home until late last night and I do not have a cellular phone so that is the only number I can be reached at. Is your company still a part of Calvert Investment Foundation? Are you saying it is a subsidiary of that company? Please explain this.
Thomas |
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Hello,
Like i told you, my company is a subsidiary of Calvert Investment Foundation |
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Demitry Lee;
Then why did you tell me that you don't have a website (under construction) and that you don't send out brochures or a prospectus for "security reasons" if you are a subsidiary of Calvert Investment Foundation? Calvert has a nice website and their prospectus is readily available online. I am just asking all these questions to ensure myself of who I do business with - I am not in the habit of signing loan agreements with companies after a few emails and when I can't verify their actual existence - I hope you realize this. My boss would have a fit if he knew I entered into a loan contract without doing proper research on the company that we are doing business with. I will get back to you once I look over the prospectus, and maybe call Calvert for a Business Reference. I'll talk to you later, Thomas Payne |
| You told me that you will get back to me and i have not heard from you |
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I called Calvert Investment Foundation for a business reference on Demitry Homes Loan, and what do you think they told me?
Thomas |
| Hello, is there something you want to tell me? |
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Of course I knew this was a 419 Scam from the very beginning. I just love dealing with stupid 419 scammers – they just make it so easy! You might want to learn about the loan industry a little before you pose as a loan officer – it was a dead give-away that you were a freaking moron and that the only thing you knew was how to impregnate goats.
Thomas 
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| If you want a pdf version of this scambait, Click Here |
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All Rights Reserved by me to give you whatever freakin' opinion that I want. |