Fake 419 Scam

Below is a typical Loan Scam.

An American Tale My tale began about two weeks ago.

I am a forty-three year old American woman; single with 4 kids. I live in beautiful St. Paul, Minnesota. I am an employee of our government. Educated and considered intelligent.

I have not owned a home before and decided I wanted a home for my future grandkids to know as the family home. I began searching for financing. I ran across an ad on the internet and answered it. Within a few days, a number of loans appeared for me. I evaluated everything they all offered, and picked the one that seemed beyond belief. Contracts were signed, dreams were being answered. My only obligation was to send my new financer a fee of $650 to cover processing. I hurried down to my local Western Union, and paid the fee. My money was on it’s way to Larry Okojie in Nigeria. Remember though, I’m a single mom of 4 great kids. Coming up with $650 was next to impossible since the money was set aside for my rent of $1150. So, being that the money was promised to me within days of them receiving the $650, I decided to use my rent money, and replace it when the loan money hit my account in days.

Anxiety was my bed partner that night. Questions turned over in my head about the repayment of the loan, where I’d put the couch in the new home I’d chosen, and if I should put up a swing set in the yard for future grandkids.

I woke up early to read my email. Mr. Frank Osakwe, head of the Foreign Banking Operations at WEMA Bank in Nigeria, had hit the send button and the money was on it’s way to my account. I was elated. As all good things have to end, I soon received an email from my new financer, Alvin Manny, notifying me that a problem had arisen. My name had been searched for in a database and it appeared that I did not have a registered tax certificate with the country of Nigeria as I’d never done business with Nigeria prior. The Nigeria Tax Commission needed me to send an additional $1850 immediately in order to release the funds to me. I was devastated. I had no way to pay even an additional $100 to secure this loan. I explained this to Alvin. His very generous banker agreed to pay $1000 of the fee for me, as long as I came up with the additional $850. Impossible, I explained to Alvin. I had spent my rent on the fee already, with no way to pay that back, I certainly couldn’t risk losing another $850. To the rescue again, Alvin convinced his banker to cover all but $350 of the fee for me. All I had to do now was to come up with $350 to secure the loan, and buy the home of my dreams.

As the intelligent person I am, before the time the offer of $850 had come to me, I’d begun investigating. I tried to find some information about the Nigerian Tax Commission; it appears it does not exist. The emails I was receiving from the Commission appeared legitimate. In fact, everything I received from Mr. Alvin Manny appeared legitimate. I’m not an ignorant person, but I failed to do my homework.

I am now unable to pay my rent which is due the day after tomorrow; as it is with the criminals in Nigeria. I have told the sellers of the home I intended on purchasing that I would not be able to purchase the home. I am meeting with a real estate agent on Thursday to see other properties, and will begin the process of choosing another home; the first home being out of my price range with monthly payments. I will call my landlord and beg his forgiveness for being late, try to figure out how I will make up the $650 because I have a daughter getting married in a month, and I have many expenses related to that, and still don’t have dress for myself. My son graduates from high school on Thursday of next week, and I’m not sure where the funds are going to come to have a nice dinner for him prior to his graduation ceremony.

I’m sure Mr. Alvin Manny is not concerned of my plight. He is receiving monies from many people, and will have the money for his next upcoming bill. If anyone thinks they may have better luck with Mr. Alvin Manny and securing a loan, his phone number is +234 805 306 1486. Remember this is an international call, usually about $1.50 a minute to call him, so keep the call short cuz it’s going to cost you.

Note: The above story was obtained from email sent in by users like you