Monday, October 26, 2009

Nigerian Scam Email (Real Sample)

Got a Nigerian scam email today. The email is below with the real email address of the conman. The smart thing about this email is that the conman uses fake name of Governor of the Central Bank of Nigeria.

Please click here, for list of current and past Governor of Central Bank of Nigeria.


The idea of this conman is to lure me to think that out of nowhere the Central Bank of Nigeria is going to pay me compensation of $3,500,000.00 (USD / Nigeria currency I am not sure.)

So, this conman is asking my following particulars as stated below.

THE BELOW OFFICE WITH THE FOLLOWING INFORMATION NEEDED.

1) Confirm Your Full Name.
2) Confirm Your Current Physical Domicile Address.
3) Confirm Your Phone, Fax and Mobile phone numbers.
4) Confirm Your Profession, Age and Marital Status.
5) Confirm Your Nationality.

So, if I gave my details, then they will most probably ask my bank details to make it more interesting.

Based on the email, the conman can make the payment using three method as stated below.

WE HAVE THREE WAYS IN WHICH YOUR PAYMENT CAN BE MADE TO YOU,DEPENDING ON YOUR CHOICE.

(1) By ATM SWIFT CARD to be delivered to you directly through diplomatic courrier
means.

(2) By Swift Telegraphic WireTransfer to a nominated account of yours.

(3)CERTIFIED CHECK:YOUR COMPENSATION CAN BE PAID TO YOU THROUGH CERTIFIED CHECK,IF THIS METHOD IS PREFERRED BY YOU,A CERTIFIED CHECK OF (US$3,500.000.00) WILL BE ISSUED AND SENT TO YOU VIA COURIER.


Then the Conman will ask me to make some advance fee to send the money $3,500,000.00 to my bank account.

Let say the processing fee is 1 %.

So I need to pay $ 35, 000.00 advance fee to get out of nowhere compensation fee from the Fake CENTRAL BANK OF NIGERIA

Based on expert estimation, out of 12.5 million email send one person will be cheated by Nigerian Scam. Source : Times Online

So the motivation to do it is there for this crook. They will be sending email in bulks using few hundred fake email addresses.

If you are staying in America, then send the letter to the U.S. Secret Service, your local FBI office, or the U.S. Postal Inspection Service.

Some tips to Avoid Nigerian Scam
  1. There is no easy money in live. Be skeptical.
  2. If you get this type of letter, just don't reply. Contact your relevant authority.
  3. If you know someone has been tricked by Nigerian Scam email , please encourage them to contact the authority.
  4. Like this email, it written by a fake Nigerian Bank official. So , be cautious.
  5. Protect your personal particulars and your banking information.

Few types of Nigerian Scam Email

  1. Damsel in distress situation. Where the lady has a lot of money and she want to escape to safer country. So the damsel in distress will be asking your help to transfer the money to you account. Plus she fall in love with you.
  2. Business operator is having a serious health problem. And currently is looking for a trust worthy partner to take over the business.
  3. You just win a lottery from overseas lottery operator. Same modus operandi.
  4. Bogus lucky draw from big company such as Shell, Petronas or British Petroluem.


Nigerian Scam Email from Fake Dr. Tafa Johnson, Governor of the Central Bank of Nigeria.



Central Bank of Nigeria,
Plot 33, Abubakar Tafawa Balewa Way
Central Business District,
Cadastral Zone,
Abuja, Federal Capital Territory,
Nigeria

ATTENTION:Beneficiary:

YOU ARE BEING WARNED TO DECEASE IN CONTACTING ANY DEPARTMENT,TO THIS EFFECT, WE WILL
PREFER YOU TO
STOP DECEIVING YOURSELF OR WAITING FOR PAYMENT FROM UNKNOWN APPROVES DIRECTOR
DECEIVING YOU BY
OBTAINING DIFFERENT KINDS OF CHARGES REGARDING TO PAYMENT AND STILL YOU WILL NOT GET
ANY MONEY FROM
THEM.ON THIS FAITHFUL RECOMMENDATIONS,WE WANT YOU TO KNOW THAT DURING THE LAST U.N.
MEETINGS HELD
AT THE FEDERAL CAPITAL CITY ABUJA, NIGERIA, IT WAS ALARMED SO MUCH BY THE WORLD IN
THE MEETINGS ON THE
LOSE OF FUNDS BY VARIOUS INDIVIDUALS TO THE SCAMS ARTISTS OPERATING IN SYNDICATES
ALL OVER THE WORLD TODAY.

THIS IS TO BRING TO YOUR NOTICE THAT WE ARE DELEGATED FROM THE FEDERAL GOVERMENT TO
PAY 850 SCAM VICTIMS
WHICH THERE EMAIL WAS SUBMITTED TO US PREVIOUSLY BY UNITED NATION $3,500,000.00
(THREE MILLION, FIVE HUNDRED
THOUSAND UNITED STATE DOLLARS) EACH.YOUR EMAIL IS LISTED AS ONE OF THE SCAMMED
VICTIMS TO BE PAID THIS AMOUNT,
DUE TO THE CORRUPT AND INEFFICIENT BANKING SYSTEMS IN NIGERIA,THE PAYMENTS ARE TO
BE SUPERVISED BY THE UNITED
NATIONS OFFICIALS IN NIGERIA AND FOREIGNPAYMENTSCETION BANK AS THE CORRESPONDING
PAYING BANK,ACCORDING TO
THE NUMBER OF APPLICANTS AT HAND,34 BENEFICIARIES HAS BEEN PAID,HALF OF THE VICTIMS
ARE FROM THE UNITED STATES,
AND WE STILL HAVE MORE LEFT TO BE PAID THE COMPENSATION OF $3,500,000.00 EACH.YOU
ARE THEREBY ADVISED TO CONTACT
THE BELOW OFFICE WITH THE FOLLOWING INFORMATION NEEDED.

1) Confirm Your Full Name.
2) Confirm Your Current Physical Domicile Address.
3) Confirm Your Phone, Fax and Mobile phone numbers.
4) Confirm Your Profession, Age and Marital Status.
5) Confirm Your Nationality.

(These are for Administrative convience.)You are warned, in your interest;stop any
further communication with any institution or office claiming to
have relevance to the payment of your unpaid fund out –side this Bank.

SUBMITH THE REQUIRE INFORMATION TO: DR. TAFA JOHNSON EXECUTICE GOVERNOR CENTRAL BANK
OF NIGERIA.
EMAIL:dr.tafajohnson@yahoo.co.uk

WE HAVE THREE WAYS IN WHICH YOUR PAYMENT CAN BE MADE TO YOU,DEPENDING ON YOUR CHOICE.

(1) By ATM SWIFT CARD to be delivered to you directly through diplomatic courrier
means.

(2) By Swift Telegraphic WireTransfer to a nominated account of yours.

(3)CERTIFIED CHECK:YOUR COMPENSATION CAN BE PAID TO YOU THROUGH CERTIFIED CHECK,IF
THIS METHOD IS PREFERRED BY YOU,A
CERTIFIED CHECK OF (US$3,500.000.00) WILL BE ISSUED AND SENT TO YOU VIA COURIER.

You have to indicate in your response to this notification, which optional mode of
payment you may wish this Bank to use to pay you.)

REPLIES IMMEDIATELY TO EN ABLE US PROCESS YOUR PAYMENT.

REGARDS
DR. TAFA JOHNSON
GOVERNOR OF THE CENTRAL BANK OF NIGERIA.
(234-8023552890)

Friday, October 2, 2009

Parmesan Cheese, Ham, Wine and Soul as Collateral




Parmesan Cheese, Ham, Wine and Soul as Collateral


Credito Emiliono or Credem, a bank in northern Italy is providing a cash-for-cheese loan scheme. It provides cheap loan for local Parmesan makers . With interest rate of 3 % and a fee to looking the Parmesan Cheese at it's secure vault.

Since it takes about 2 years then only the cheese makers could sell their cheese, one of the way to support their Parmesan business is by taking cheap loan from Credem.

If they default the bank loan payment, then Credem will sell the cheese. Credem has been providing cash for cheese loan for the local Parmesan makers for more than 50 years.

The cheese at Credem's secure vault is so valuable that it has been robbed three times by cheese robbers.

Imagine having $ 200 million cheese as collateral.


Since, Italian's banks have been successful with Parmesan Cheese as collateral. Italian Banks may take ham and wine as collateral very soon.

The idea to use was mooted by influential Italian Bank Chairman and wine producer Mr Gianni Zonin.

"We've done it with cheese, why not with prosciutto and good wines like Brunello di Montalcino and chianti classico?" by Gianni Zonin, Chairman of the Banca Popolare .

Even the Italian Agriculture minister Mr Luca Zaia has blessed the idea. Mr Luca Zaia will discuss further with Italian treasury Minister.

Legs of cured ham and bottles of Brunello di Montalcino could be easily be sold for hundreds of euros.

For starting point, Italian Banks with start taking wines as collateral first, then only they will start considering other range of products as collateral.

These measures will help strugling producers to have access to bank credit in this difficult times.


200 people has pledge their soul as collateral in Latvia after taking loans from Kontora loan company.

Borrowers have to agree to the term stating their soul as the collateral, "“that is, my immortal soul.” Kontora loan company don't use any debtor collector or harm the debtor to collect the loan, but if the debtor defaults the loan then he will become souless.

Basically they are trusting the debtor to pay back the loan. However, the debtor has to pay hefty interest rate.

The idea of soul collateral has really angered the local clergy in Catholic, Lutheran and Orthodox sects, who criticized Kontora Loan Company.

The clergy wrote: “"We do not know what are the lenders' motives for requiring such kind of collateral. Maybe they are absolutely cynical financiers, who to use people's fear of losing their souls as the best way to secure their profits. Maybe there are religious motives behind this - satanism, occultism or something like that - intended to ruin people's souls, making use of their desperate condition,"

The prohibition of taking usury is very clearly stated in the Bible as stated below.

36 'Take no usury or interest from him; but fear your God, that your brother may live with you.

37 'You shall not lend him your money for usury, nor lend him your food at a profit. (Leviticus 25:36-37)

19 " You shall not charge interest to your brother -- interest on money or food or anything that is lent out at interest.

(Deuteronomy 23:20)

10 Woe is me, my mother, That you have borne me, A man of strife and a man of contention to the whole earth! I have neither lent for interest, Nor have men lent to me for interest. Every one of them curses me. (Jeremiah 15:10)

7 If he has not oppressed anyone, But has restored to the debtor his pledge; Has robbed no one by violence, But has given his bread to the hungry And covered the naked with clothing;

8 If he has not exacted usury Nor taken any increase, But has withdrawn his hand from iniquity And executed true judgment between man and man;

9 If he has walked in My statutes And kept My judgments faithfully -- He is just; He shall surely live!" Says the Lord GOD. (Ezekiel 18:7-9)

13 If he has exacted usury Or taken increase -- Shall he then live? He shall not live! If he has done any of these abominations, He shall surely die; His blood shall be upon him. (Ezekiel 18:13)

Therefore, hopefully there will be will new way of banking that will help debtors and the poor to solve their financial problem in this difficult time.

Hopefully none of us will have to pledge our souls as a collateral in the future.


Thursday, October 1, 2009

Interesting & Funny Press Release from Naga DDB




Interesting thank you press release by Naga DDB after voted as the Creative Agency of the Year 2009 in a poll conducted by Advertising+Marketing magazine.

Have a good day reading the funny press release. Peace !
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