Post by Scamaranga on May 19, 2020 14:09:34 GMT
About a couple of weeks ago I picked up baiting loan scammers again. Because trust in online business relationships is so difficult to build these days, I tend to have 2-3 of them at a time so there's a better chance to find a serious business-man.
I guess it's safe to say now this bait is dead as a dodo. So thought I'd share here because this is the usual way my baits go. My characters work in a small time Hollywood Film company, and they sign as Owner and Director and Accountant in their email signatures which has a nice custom logo pic for the company - but unfortunately no phone number
Interesting...
He actually read the first email! There was hope for this one
I think this one has been baited before...
He's a tough one. Let's see if he really wants to get this business done.
Wow, there's a fee...
Let's see how greedy this scumbag is
He is greedy!
Time for a few more questions and a new character:
The usual crap, this time dreadfully formatted:
Let's start with an interesting question (for the lad):
His reaction isn't great
This is going to be a heated exchange
After the weekend he's given another opportunity
But he cannot be saved apparently
Did he ask me not to contact him again?
I guess it's safe to say now this bait is dead as a dodo. So thought I'd share here because this is the usual way my baits go. My characters work in a small time Hollywood Film company, and they sign as Owner and Director and Accountant in their email signatures which has a nice custom logo pic for the company - but unfortunately no phone number
From: Lad
BCC: Me
Subject: LOAN OFFER!!!
Date: 07/05/2020 11:29
Kindly contact me for your fast and easy loan of any amount of your choice,my loan is 2% interest rate,contact me via this email (Fakeloancompany@gmail.com)asap..whatsapp via below no <phone number>DATA NEEDED ARE:
Full Name:
Loan Amount Needed:
Loan Duration:
Country:
Address:
Age:
Phone numbers:
Occupation:
Fakeloancompany@gmail.com
Loan Director
Lad Smith
BCC: Me
Subject: LOAN OFFER!!!
Date: 07/05/2020 11:29
Kindly contact me for your fast and easy loan of any amount of your choice,my loan is 2% interest rate,contact me via this email (Fakeloancompany@gmail.com)asap..whatsapp via below no <phone number>DATA NEEDED ARE:
Full Name:
Loan Amount Needed:
Loan Duration:
Country:
Address:
Age:
Phone numbers:
Occupation:
Fakeloancompany@gmail.com
Loan Director
Lad Smith
From: Me
To: Lad
Subject: Re: LOAN OFFER!!!
Date: 07/05/2020 15:29
Hello,
I found this email in my inbox. Are you a loan company or an individual?
Best regards,
To: Lad
Subject: Re: LOAN OFFER!!!
Date: 07/05/2020 15:29
Hello,
I found this email in my inbox. Are you a loan company or an individual?
Best regards,
From: Lad
To: Me
Subject: FILL UP THE FORM AND GET BACK
Date: 07/05/2020 15:41
We are private loan lender.If you wish to take a loan from me, i will give you the loan.Kindly fill your details and get back to me.
Lad Smith
To: Me
Subject: FILL UP THE FORM AND GET BACK
Date: 07/05/2020 15:41
We are private loan lender.If you wish to take a loan from me, i will give you the loan.Kindly fill your details and get back to me.
Lad Smith
From: Me
To: Lad
Subject: Re: FILL UP THE FORM AND GET BACK
Date: 08/05/2020 11:08
Mrs. Lad,
Thanks for your kind reply. We'd be willing to take a corporate loan of $300,000.00 for 10 years. Can you confirm a 2% interest rate on this proposal?
Find the details below.
Full Name:Baiter Studios
Loan Amount Needed: $300,000.00
Loan Duration: 10 years
Country: U.S.
Address: <address>
Age: 34, established 1986
Phone numbers: Prefer email for professional communication
Occupation: Professional Film and Ad Studios
Best regards,
To: Lad
Subject: Re: FILL UP THE FORM AND GET BACK
Date: 08/05/2020 11:08
Mrs. Lad,
Thanks for your kind reply. We'd be willing to take a corporate loan of $300,000.00 for 10 years. Can you confirm a 2% interest rate on this proposal?
Find the details below.
Full Name:Baiter Studios
Loan Amount Needed: $300,000.00
Loan Duration: 10 years
Country: U.S.
Address: <address>
Age: 34, established 1986
Phone numbers: Prefer email for professional communication
Occupation: Professional Film and Ad Studios
Best regards,
From: Lad
To: Me
Subject: Re: FILL UP THE FORM AND GET BACK
Date: 08/05/2020 12:57
I am sorry i can not proceed if you did not provide your personal phone number and your valid National ID, this is money issue and not a casino game.
To: Me
Subject: Re: FILL UP THE FORM AND GET BACK
Date: 08/05/2020 12:57
I am sorry i can not proceed if you did not provide your personal phone number and your valid National ID, this is money issue and not a casino game.
From: Lad
To: Me
Subject: Re: FILL UP THE FORM AND GET BACK
Date: 08/05/2020 12:58
I will need to verify your status with the US Govt. I need more information about you.
To: Me
Subject: Re: FILL UP THE FORM AND GET BACK
Date: 08/05/2020 12:58
I will need to verify your status with the US Govt. I need more information about you.
From: Me
To: Lad
Subject: Re: FILL UP THE FORM AND GET BACK
Date: 08/05/2020 13:38
Ms. Lad,
Casino game? What are you talking about? What kind of loan company are you to treat your clients like this?
If this is how you treat people who aren't even clients yet I don't want to know what do you do to actual clients that can't stay up to date with their loan payments. What are you, some kind of shark loan mafia or something?
Look, I am NOT sending my I.D. card to someone who I just met on the internet. I don't even know where are you based, which kind of business background do you have and haven't even asked about that yet. I was just asking confirmation of the interest rate to see how this would look compared to the other online loaners we're considering for financing the
expansion of the Studios to Europe.
Besides, you'll probably be aware that sending I.D. cards through electronic means is illegal according to the Data Protection and Patiot Act laws. Only terrorists, identity thiefs and fraudstars of the like do that. Are you any of these?
If you run a business, you'll know businesses don't do business over the phone unless there's a committed business relationship already taking place. Proper business is done through email because it leaves a paper trail.
If your next reply will be as unprofessional as what you just wrote, please, please don't waste your time and stop wasting mine.
Goodbye,
To: Lad
Subject: Re: FILL UP THE FORM AND GET BACK
Date: 08/05/2020 13:38
Ms. Lad,
Casino game? What are you talking about? What kind of loan company are you to treat your clients like this?
If this is how you treat people who aren't even clients yet I don't want to know what do you do to actual clients that can't stay up to date with their loan payments. What are you, some kind of shark loan mafia or something?
Look, I am NOT sending my I.D. card to someone who I just met on the internet. I don't even know where are you based, which kind of business background do you have and haven't even asked about that yet. I was just asking confirmation of the interest rate to see how this would look compared to the other online loaners we're considering for financing the
expansion of the Studios to Europe.
Besides, you'll probably be aware that sending I.D. cards through electronic means is illegal according to the Data Protection and Patiot Act laws. Only terrorists, identity thiefs and fraudstars of the like do that. Are you any of these?
If you run a business, you'll know businesses don't do business over the phone unless there's a committed business relationship already taking place. Proper business is done through email because it leaves a paper trail.
If your next reply will be as unprofessional as what you just wrote, please, please don't waste your time and stop wasting mine.
Goodbye,
From: Lad
To: Me
Subject: Re: FILL UP THE FORM AND GET BACK
Date: 08/05/2020 17:34
With due respect,i am a legal private lender and i demand respect from you.If you need a loan online you must have to provide your phone number.You refused to send your phone number,i will do my verification by calling phone IDD to verify if you are the person whom you claimed to be,i am sorry for this inconveniences that i might have caused you,this is because of the rate of Scammers all over the world,i need to be very careful whom am dealing with via email,i also give Interpol to verify before i give out Loan.If you wish to continue then follow my instructions and i assure you that certainly you will get your loan from me.My account counseling officer will need to speak with you over your loan request before i can grant you the loan.God bless you sir.
Lad Smith
To: Me
Subject: Re: FILL UP THE FORM AND GET BACK
Date: 08/05/2020 17:34
With due respect,i am a legal private lender and i demand respect from you.If you need a loan online you must have to provide your phone number.You refused to send your phone number,i will do my verification by calling phone IDD to verify if you are the person whom you claimed to be,i am sorry for this inconveniences that i might have caused you,this is because of the rate of Scammers all over the world,i need to be very careful whom am dealing with via email,i also give Interpol to verify before i give out Loan.If you wish to continue then follow my instructions and i assure you that certainly you will get your loan from me.My account counseling officer will need to speak with you over your loan request before i can grant you the loan.God bless you sir.
Lad Smith
From: Me
To: Lad
Subject: Re: FILL UP THE FORM AND GET BACK
Date: 11/05/2020 11:35
Ms. Lad,
Be my guest, please do whichever checks you feel necessary. Your company information is still in the loan operation dossier, mostly blank because uncomprehensibly you've ever since refused to provide any relevant information so far.
Once you're ready for business please get back to me. You may still have a chance if by then we still haven't closed a deal with any of the other loan companies we're negotiating this operation with.
Best regards,
To: Lad
Subject: Re: FILL UP THE FORM AND GET BACK
Date: 11/05/2020 11:35
Ms. Lad,
Be my guest, please do whichever checks you feel necessary. Your company information is still in the loan operation dossier, mostly blank because uncomprehensibly you've ever since refused to provide any relevant information so far.
Once you're ready for business please get back to me. You may still have a chance if by then we still haven't closed a deal with any of the other loan companies we're negotiating this operation with.
Best regards,
From: Lad
To: Me
Subject: Re: FILL UP THE FORM AND GET BACK
Date: 11/05/2020 22:36
Good Day Baiter,
I must tell you the truth,we do not attend to everyone all because due to the rate of scam all over the world now.I will give you the loan that you wish to apply for.One thing you will have to do is for the Non Collateral Deposit fee, if you know that you will make the deposit of Non Collateral Deposit Fee,then i will proceed with you and tell you to fill up the form.I am sorry for sounding so rudely to you.The fee is a refundable fee.I await your response.
Lad
To: Me
Subject: Re: FILL UP THE FORM AND GET BACK
Date: 11/05/2020 22:36
Good Day Baiter,
I must tell you the truth,we do not attend to everyone all because due to the rate of scam all over the world now.I will give you the loan that you wish to apply for.One thing you will have to do is for the Non Collateral Deposit fee, if you know that you will make the deposit of Non Collateral Deposit Fee,then i will proceed with you and tell you to fill up the form.I am sorry for sounding so rudely to you.The fee is a refundable fee.I await your response.
Lad
From: Lad
To: Me
Subject: Hello Baiter
Date: 11/05/2020 22:47
We mainly operate in Asia Malaysia,We have been giving out Loans to people in the USA.How ever you will be given the loan if you apply and make the payment for the on Collateral Deposit.
God bless.
Lad
To: Me
Subject: Hello Baiter
Date: 11/05/2020 22:47
We mainly operate in Asia Malaysia,We have been giving out Loans to people in the USA.How ever you will be given the loan if you apply and make the payment for the on Collateral Deposit.
God bless.
Lad
From: Me
To: Lad
Subject: Re: Hello Baiter
Date: 12/05/2020 10:02
Ms. Lad,
I appreciate your collaborative effort coming back to reason so we can talk business.
Being based in Malaysia is just fine, and actually puts you in good position with respect to most of the best loan offers we're managing because they are mostly based in West Africa. I do not know much about the African way of business but I'm sure we will have much less trouble dealing with an Asian company than with African.
I guess after all this riff-raff we can establish the interest rate to be 2%. In the spirit of good business you seem to have returned to, can we see a formal proposal of this loan from you? Something we can attach to your file?
Regarding your mention of a Non Collateral Deposit Fee, it is common practice in serious business to have an upfront payment and it is indeed expected to satisfy one. Once we enter into detail we will address this, but which amount roughly are we talking about? Just to have an idea of order of magnitude, like, are we talking about just a few hundreds of dollars, a few thousands, or tens of thousands?
Best regards,
To: Lad
Subject: Re: Hello Baiter
Date: 12/05/2020 10:02
Ms. Lad,
I appreciate your collaborative effort coming back to reason so we can talk business.
Being based in Malaysia is just fine, and actually puts you in good position with respect to most of the best loan offers we're managing because they are mostly based in West Africa. I do not know much about the African way of business but I'm sure we will have much less trouble dealing with an Asian company than with African.
I guess after all this riff-raff we can establish the interest rate to be 2%. In the spirit of good business you seem to have returned to, can we see a formal proposal of this loan from you? Something we can attach to your file?
Regarding your mention of a Non Collateral Deposit Fee, it is common practice in serious business to have an upfront payment and it is indeed expected to satisfy one. Once we enter into detail we will address this, but which amount roughly are we talking about? Just to have an idea of order of magnitude, like, are we talking about just a few hundreds of dollars, a few thousands, or tens of thousands?
Best regards,
From: Lad
To: Me
Subject: Re: Hello Baiter
Date: 12/05/2020 12:12
Thank you for getting back to me on time.My proposal will be given to you when you get back to me with the Loan amount and duration you need. And it is the Loan Amount that i will use to calculate your Non Collateral Deposit.Kindly get back to me with what i requested from you.For example if you need $100,000 your Non Collateral Deposit is $5000.
Lad Smith
To: Me
Subject: Re: Hello Baiter
Date: 12/05/2020 12:12
Thank you for getting back to me on time.My proposal will be given to you when you get back to me with the Loan amount and duration you need. And it is the Loan Amount that i will use to calculate your Non Collateral Deposit.Kindly get back to me with what i requested from you.For example if you need $100,000 your Non Collateral Deposit is $5000.
Lad Smith
From: Me
To: Lad
Subject: Re: Hello Baiter
Date: 13/05/2020 09:45
Ms. Lad,
I thought I already told you. We are looking for a corporate loan of $300,000.00 to finance the expansion of the Studios to Europe. We'd like to return it in maximum 10 years. If business in Europe goes as expected we should be able to pay it back in less than 5 years though.
I think I already told you but my memory seems to be not so fine these days. We have been gathering information from a number of online loaners and are currently selecting the offer that suits our needs better so we can deliver a formal request to our Financial Board to approve.
Do you have any penalties for early payment of installments? Is it a fixed rate or variable rate loan? I don't know much about this technical details but it's the kind of information we need to go through to be able to complete your file.
The Loan Request document has to have clear and precise information about the loan operation so the Board won't have a problem approving it. This is why I'm asking for these details.
Tell you what, with the reply to my questions in this email please let me know if I can forwrad your email to Mr. James Bean from the accounting department so he can directly request your clarification on the issues he may see fit. We just want this deal to go as smoothly as possible. Getting a proposal rejected from the Board wouldn't make any of us look good.
Best regards,
To: Lad
Subject: Re: Hello Baiter
Date: 13/05/2020 09:45
Ms. Lad,
I thought I already told you. We are looking for a corporate loan of $300,000.00 to finance the expansion of the Studios to Europe. We'd like to return it in maximum 10 years. If business in Europe goes as expected we should be able to pay it back in less than 5 years though.
I think I already told you but my memory seems to be not so fine these days. We have been gathering information from a number of online loaners and are currently selecting the offer that suits our needs better so we can deliver a formal request to our Financial Board to approve.
Do you have any penalties for early payment of installments? Is it a fixed rate or variable rate loan? I don't know much about this technical details but it's the kind of information we need to go through to be able to complete your file.
The Loan Request document has to have clear and precise information about the loan operation so the Board won't have a problem approving it. This is why I'm asking for these details.
Tell you what, with the reply to my questions in this email please let me know if I can forwrad your email to Mr. James Bean from the accounting department so he can directly request your clarification on the issues he may see fit. We just want this deal to go as smoothly as possible. Getting a proposal rejected from the Board wouldn't make any of us look good.
Best regards,
From: Lad
To: Me
Subject: LOAN TERMS AND CONDITION
Date: 13/05/2020 13:19
*Plot 12,MALAYSIA*
*Ref: EA-ASL/941OYI/02/LN-*
* SSL: 12/25/0034 GOVERNMENT ACCREDITED LICENSED!! FIRMS IS REGISTERED UNDER THE DATA PROTECTION ACT OF: MOF *
* My Greetings to you Mr Baiter, I thank you for showing your full interest in my **loan **program. The **terms** of the Amount which you requested as a **loan* *is listed below, I am giving out this **loan** amount to you, with the duration of 10 years and i believe that you can be trusted.*
* You have come to the right place were you can get your **loan **fast and easy **,** I am a devoted woman and also a Christian and i hope you are too,and i hope you are a legitimate borrower and a believer too, I want you to be faithful and truthful in this transaction, So that we can have a good business relationship ahead, and i hope i can trust you? I can be able to offer you the **loan** of sum $300,000.00(Three Hundred Thousand Dollars)*
*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 a Non Collateral Deposit Present
or available(Unsecured)*
*4)You do not need a Co-Signer Or a Guarantor Before Obtaining From* *Here*.
*I have stated the **terms **of the **loan* *below for you to see and tell me if you are in agreement with the **loan* *terms** and condition or not and no **loan* *will be deducted for any means of payment.*
*No loan amount will be deducted for any payment of the Non Collateral Fee of the loan itself. .*
3*LOAN** COMPUTATION **TERMS*
*Loan Amount: $300,000.00Loan Interest Rate: 2.00%Loan Term: 10
yearsMonthly Loan Payment: $2,760.40Number of Payments:
120Cumulative Payments: $331,248.48Total Interest Paid: $31,248.48
*
*CONDITIONS*
*The interest rate is 2%:- We will make you understand the conditions of the **loan* *, the **loan* * will be insured this is in accordance to the law of USA constitution of crime against money laundering and secret funding of terrorist organization it is required that your partner gets an insurance certificate and a clearance receipt from the insurance company
which is highly needed by bank's and to enable the transfer to be successful. Repayment starts maximum of ONE MONTH from the point at which the **loan** is granted. *
*Time of duration:- The borrower must pay back at the rate of 2% . Loan will not be deducted,since loans are already insured by the Insurance Company and Approved already.*
* IF you are in agreement with this above **Terms** and Conditions you will have to choose from these options by which you will like your **loan** to be transferred to you okay.*
*NOTE:Be Informed that you will have to make a deposit amount for the Non Collateral .If you need the loan to be transfer to you,first you will have to make the payment first and this fee will be return back to you.*
*TRANSFER OPTION.*
* 1. Bank to bank Transfer : This is a kind of transfer that will require you to send us your bank account information to enable us transfer the **loan **to you via Bank. and the **loan** will reflect in your account within the next TWO HOURS.*
*2.Western Union/money Gram.This will require a lot of charges and it is instant.*
*3.Cheque Delivery.A Cheque will be issued and send to your address that you have given us.It takes THREE WORKING DAYS.*
*If you Agree to the **Terms** of the **loan** i want you to get back to me as soon as possible, and make sure you send your bank account, bank name, your home addresses so that your **loan** can be sent to you. *
*As soon as you receive your **loan** you will be informed on how to make the Monthly repayment into the company's account. *
* I await your urgent response over this mail. *
*Thanks and God Bless.*
* Lad Smith.*
To: Me
Subject: LOAN TERMS AND CONDITION
Date: 13/05/2020 13:19
*Plot 12,MALAYSIA*
*Ref: EA-ASL/941OYI/02/LN-*
* SSL: 12/25/0034 GOVERNMENT ACCREDITED LICENSED!! FIRMS IS REGISTERED UNDER THE DATA PROTECTION ACT OF: MOF *
* My Greetings to you Mr Baiter, I thank you for showing your full interest in my **loan **program. The **terms** of the Amount which you requested as a **loan* *is listed below, I am giving out this **loan** amount to you, with the duration of 10 years and i believe that you can be trusted.*
* You have come to the right place were you can get your **loan **fast and easy **,** I am a devoted woman and also a Christian and i hope you are too,and i hope you are a legitimate borrower and a believer too, I want you to be faithful and truthful in this transaction, So that we can have a good business relationship ahead, and i hope i can trust you? I can be able to offer you the **loan** of sum $300,000.00(Three Hundred Thousand Dollars)*
*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 a Non Collateral Deposit Present
or available(Unsecured)*
*4)You do not need a Co-Signer Or a Guarantor Before Obtaining From* *Here*.
*I have stated the **terms **of the **loan* *below for you to see and tell me if you are in agreement with the **loan* *terms** and condition or not and no **loan* *will be deducted for any means of payment.*
*No loan amount will be deducted for any payment of the Non Collateral Fee of the loan itself. .*
3*LOAN** COMPUTATION **TERMS*
*Loan Amount: $300,000.00Loan Interest Rate: 2.00%Loan Term: 10
yearsMonthly Loan Payment: $2,760.40Number of Payments:
120Cumulative Payments: $331,248.48Total Interest Paid: $31,248.48
*
*CONDITIONS*
*The interest rate is 2%:- We will make you understand the conditions of the **loan* *, the **loan* * will be insured this is in accordance to the law of USA constitution of crime against money laundering and secret funding of terrorist organization it is required that your partner gets an insurance certificate and a clearance receipt from the insurance company
which is highly needed by bank's and to enable the transfer to be successful. Repayment starts maximum of ONE MONTH from the point at which the **loan** is granted. *
*Time of duration:- The borrower must pay back at the rate of 2% . Loan will not be deducted,since loans are already insured by the Insurance Company and Approved already.*
* IF you are in agreement with this above **Terms** and Conditions you will have to choose from these options by which you will like your **loan** to be transferred to you okay.*
*NOTE:Be Informed that you will have to make a deposit amount for the Non Collateral .If you need the loan to be transfer to you,first you will have to make the payment first and this fee will be return back to you.*
*TRANSFER OPTION.*
* 1. Bank to bank Transfer : This is a kind of transfer that will require you to send us your bank account information to enable us transfer the **loan **to you via Bank. and the **loan** will reflect in your account within the next TWO HOURS.*
*2.Western Union/money Gram.This will require a lot of charges and it is instant.*
*3.Cheque Delivery.A Cheque will be issued and send to your address that you have given us.It takes THREE WORKING DAYS.*
*If you Agree to the **Terms** of the **loan** i want you to get back to me as soon as possible, and make sure you send your bank account, bank name, your home addresses so that your **loan** can be sent to you. *
*As soon as you receive your **loan** you will be informed on how to make the Monthly repayment into the company's account. *
* I await your urgent response over this mail. *
*Thanks and God Bless.*
* Lad Smith.*
From: Me
To: Lad
Subject: Re: LOAN TERMS AND CONDITION
Date: 14/05/2020 11:18
Ms. Lad,
Thanks for your email with the technical details on the loan conditions. As I told you in my last email, my understanding in these matters is limited so I will note down all these informations in your file and forward it to Mr. James Bean our accountant.
I will order him to go through all the technical details with you so we can get a clear picture of how your offer compares to your competitors'. Things are starting to rush here and we are behind schedule because of the improductive early email exchanges we had, so please I'm expecting professional swiftness and maximum collaboration between you two.
I will be demanding feedback from Mr. Bean on a daily basis about progresses and I'd also liike to get yours as much as you see fit.
Kind regards,
To: Lad
Subject: Re: LOAN TERMS AND CONDITION
Date: 14/05/2020 11:18
Ms. Lad,
Thanks for your email with the technical details on the loan conditions. As I told you in my last email, my understanding in these matters is limited so I will note down all these informations in your file and forward it to Mr. James Bean our accountant.
I will order him to go through all the technical details with you so we can get a clear picture of how your offer compares to your competitors'. Things are starting to rush here and we are behind schedule because of the improductive early email exchanges we had, so please I'm expecting professional swiftness and maximum collaboration between you two.
I will be demanding feedback from Mr. Bean on a daily basis about progresses and I'd also liike to get yours as much as you see fit.
Kind regards,
From: My accountant
To: Lad
Subject: Loan deal inquiry
Date: 14/05/2020 14:34
Hello,
Mr.Baiter forwarded me the file with your loan offer. He has commanded me to go through it in detail and to write up a brief description that will reflect the key points in this operation and why should we choose you as our business partner.
First things first, there's mention of a Non Collateral Deposit fee, but there is no specific amount related to it. I need clarification on how much will this fee amount to.
We will need to be able to justify this expense when time comes for its disbursement so it'll make things definitely easier and quicker if this circumstance is accurately reflected in the offer we'll be delivering to the Board.
Best regards,
To: Lad
Subject: Loan deal inquiry
Date: 14/05/2020 14:34
Hello,
Mr.Baiter forwarded me the file with your loan offer. He has commanded me to go through it in detail and to write up a brief description that will reflect the key points in this operation and why should we choose you as our business partner.
First things first, there's mention of a Non Collateral Deposit fee, but there is no specific amount related to it. I need clarification on how much will this fee amount to.
We will need to be able to justify this expense when time comes for its disbursement so it'll make things definitely easier and quicker if this circumstance is accurately reflected in the offer we'll be delivering to the Board.
Best regards,
From: Lad
To: Me
Subject: LOAN UPDATE
Date: 14/05/2020 21:16
In receipt of your email.All this loan request will take how long?the reason why i am asking is because we do not have much money at hand now. I don not want a situation like this,whereby you will apply for money at the time when we have done much disbursement to our clients.I really want to know and you should be aware that your Deposit for the Non Collateral Deposit Fee is $15,000.If you deposit this money to me,then i will send you my contract agreement to sign and return back,then i will transfer to your bank account.God bless you and i advise that you act fast and get back to .This is the reason why i was demanding for your phone number so that we can be discussing over the phone and keep updating you on your loan procurement process.I sincerely urge you to act fast and get back to me as soon as possible.
Lad Smith.
To: Me
Subject: LOAN UPDATE
Date: 14/05/2020 21:16
In receipt of your email.All this loan request will take how long?the reason why i am asking is because we do not have much money at hand now. I don not want a situation like this,whereby you will apply for money at the time when we have done much disbursement to our clients.I really want to know and you should be aware that your Deposit for the Non Collateral Deposit Fee is $15,000.If you deposit this money to me,then i will send you my contract agreement to sign and return back,then i will transfer to your bank account.God bless you and i advise that you act fast and get back to .This is the reason why i was demanding for your phone number so that we can be discussing over the phone and keep updating you on your loan procurement process.I sincerely urge you to act fast and get back to me as soon as possible.
Lad Smith.
From: Lad
To: My accountant
Subject: Re: Loan deal inquiry
Date: 14/05/2020 21:19
In receipt of your email.All this loan request will take how long?the reason why i am asking is because we do not have much money at hand now. I don not want a situation like this, whereby you will apply for money at the time when we have done much disbursement to our clients.I really want to know and you should be aware that your Deposit for the Non Collateral Deposit Fee is $15,000.If you deposit this money to me,then i will send you my contract agreement to sign and return back,then i will transfer to your bank account.God bless you and i advise that you act fast and get back to .This is the reason why i was demanding for your phone number so that we can be discussing over the phone and keep updating you on your loan procurement process.I sincerely urge you to act fast and get back to me as soon as possible.Like i said previously,you must have to provide the deposit fee before i can disburse the Loan to your bank account.
Lad Smith
To: My accountant
Subject: Re: Loan deal inquiry
Date: 14/05/2020 21:19
In receipt of your email.All this loan request will take how long?the reason why i am asking is because we do not have much money at hand now. I don not want a situation like this, whereby you will apply for money at the time when we have done much disbursement to our clients.I really want to know and you should be aware that your Deposit for the Non Collateral Deposit Fee is $15,000.If you deposit this money to me,then i will send you my contract agreement to sign and return back,then i will transfer to your bank account.God bless you and i advise that you act fast and get back to .This is the reason why i was demanding for your phone number so that we can be discussing over the phone and keep updating you on your loan procurement process.I sincerely urge you to act fast and get back to me as soon as possible.Like i said previously,you must have to provide the deposit fee before i can disburse the Loan to your bank account.
Lad Smith
From: My accountant
To: Lad
Subject: Re: Loan deal inquiry
Date: 15/05/2020 13:55
Ok, your email was received and dully noted.
I understand the cornovirus situation is pushing our limits for all of us. You are probably experiencing what they call indirect losses, your business as such isn't affected directly but your customers may be. That's why you don't feel the hit in the short term, it comes in the mid or long term.
This is why Mr.Baiter wants to get this expansion to Europe moving as soon as possible. Diversifying customers and business model so the crisis won't impact us that much financially.
I have added a note about the $15,000.00 fee upfront payment on your File and can tell you straight away that this small detail won't be a problem at all for the Board to approve. Is there anything else included in this fee amount? Insurance, taxes, ...? We need to have an accurate breakdown of what is paid for with this fee for our own accounting purposes.
Finally, you were based in Malaysia right? It would make your File look great if we could attach an official document certifying your activities as a registered loan company in Malaysia, or anywhere else you can legally operate from.
Once we have these small details addressed we'll be in a position to brief this proposal to the Board for their approval and we can call this deal closed.
PS: If you insist on speaking on the phone, due to the cornovirus epidemic there is no one at the offices as of now but our office phone system is diverted to an internal relay system. The office phone number is <Lenny's phone number>. Please note that company policy is NOT to do business over the phone and does NOT allow callers to record calls. Anything said in a spoken conversation can not be taken for a businessman's word and email will always prevail over it.
Best regards,
To: Lad
Subject: Re: Loan deal inquiry
Date: 15/05/2020 13:55
Ok, your email was received and dully noted.
I understand the cornovirus situation is pushing our limits for all of us. You are probably experiencing what they call indirect losses, your business as such isn't affected directly but your customers may be. That's why you don't feel the hit in the short term, it comes in the mid or long term.
This is why Mr.Baiter wants to get this expansion to Europe moving as soon as possible. Diversifying customers and business model so the crisis won't impact us that much financially.
I have added a note about the $15,000.00 fee upfront payment on your File and can tell you straight away that this small detail won't be a problem at all for the Board to approve. Is there anything else included in this fee amount? Insurance, taxes, ...? We need to have an accurate breakdown of what is paid for with this fee for our own accounting purposes.
Finally, you were based in Malaysia right? It would make your File look great if we could attach an official document certifying your activities as a registered loan company in Malaysia, or anywhere else you can legally operate from.
Once we have these small details addressed we'll be in a position to brief this proposal to the Board for their approval and we can call this deal closed.
PS: If you insist on speaking on the phone, due to the cornovirus epidemic there is no one at the offices as of now but our office phone system is diverted to an internal relay system. The office phone number is <Lenny's phone number>. Please note that company policy is NOT to do business over the phone and does NOT allow callers to record calls. Anything said in a spoken conversation can not be taken for a businessman's word and email will always prevail over it.
Best regards,
From: Lad
To: My accountant
Subject: Re: Loan deal inquiry
Date: 15/05/2020 15:01
If you say so,i will disagree with you,i need your personal phone number,if not i can not continue.Thanks.
To: My accountant
Subject: Re: Loan deal inquiry
Date: 15/05/2020 15:01
If you say so,i will disagree with you,i need your personal phone number,if not i can not continue.Thanks.
From: My accountant
To: Lad
Subject: Re: Loan deal inquiry
Date: 15/05/2020 16:11
What is it you don't agree with? Listen, I'm not going to give away my personal phone number to a random stranger on the internet. Business is business, personal life is personal life. Only family and close friends have the right to have personal phones. Mind you, identity and data theft is all what fraudsters and criminals are all about these days.
You can't continue? Instead of answering my inquiries you drop this pathetic threat. I've had enough of this attitude.
We need to get a loan approved here and I can see you're not really interested in working together as a serious business. You say you don't have money, what kind of loan company doesn't have money to lend? I'll answer that for you. One managed by a small little girl from the village playing children house games.
So, tell you what, you stop wasting our time and can keep wasting yours with someone else. That's precisely the reason why we've been contacting multiple online loan companies. You have a lot of competitors, ma'am, and I'm sure they'll be delighted for you to keep behaving this way.
Mr.Baiter probably won't even notice I've changed the loan provider.
Goodbye,
To: Lad
Subject: Re: Loan deal inquiry
Date: 15/05/2020 16:11
What is it you don't agree with? Listen, I'm not going to give away my personal phone number to a random stranger on the internet. Business is business, personal life is personal life. Only family and close friends have the right to have personal phones. Mind you, identity and data theft is all what fraudsters and criminals are all about these days.
You can't continue? Instead of answering my inquiries you drop this pathetic threat. I've had enough of this attitude.
We need to get a loan approved here and I can see you're not really interested in working together as a serious business. You say you don't have money, what kind of loan company doesn't have money to lend? I'll answer that for you. One managed by a small little girl from the village playing children house games.
So, tell you what, you stop wasting our time and can keep wasting yours with someone else. That's precisely the reason why we've been contacting multiple online loan companies. You have a lot of competitors, ma'am, and I'm sure they'll be delighted for you to keep behaving this way.
Mr.Baiter probably won't even notice I've changed the loan provider.
Goodbye,
From: Lad
To: My accountant
Subject: Re: Loan deal inquiry
Date: 15/05/2020 16:35
You can say what ever you like.$300,000 is not a small money,you do business without hearing from the person,are you dumb to talk?if you can not provide it then stop contacting me.
To: My accountant
Subject: Re: Loan deal inquiry
Date: 15/05/2020 16:35
You can say what ever you like.$300,000 is not a small money,you do business without hearing from the person,are you dumb to talk?if you can not provide it then stop contacting me.
From: Lad
To: My accountant
Subject: Re: Loan deal inquiry
Date: 15/05/2020 16:40
Go to my website and register go and see any people that have testified.I do not need someone like you who is a fraudster,if you are genuine you will provide your ID and Phone number. I can not give money to a ghost,there is nothing that will ever make me use it for other purpose,if you go to any Lender you will give them to you ID and phone number, business is not base on email only but phone calls.
To: My accountant
Subject: Re: Loan deal inquiry
Date: 15/05/2020 16:40
Go to my website and register go and see any people that have testified.I do not need someone like you who is a fraudster,if you are genuine you will provide your ID and Phone number. I can not give money to a ghost,there is nothing that will ever make me use it for other purpose,if you go to any Lender you will give them to you ID and phone number, business is not base on email only but phone calls.
From: My accountant
To: Lad
Subject: Re: Loan deal inquiry
Date: 15/05/2020 16:58
You really have no idea how to conduct business. The language you use and the way you're expressing yourself reveals you really are a small girl who has never seen a $100 bill in her life.
It is not me who is taking this loan and therefore I have no reason to send you my personal phone number or ID. This is a corporate loan, and the office telephone number has been provided to you. Yet you're still refusing to let go of that childish attitude.
Remember we didn't even have a closed deal yet. There's no need for the Studios to send you any kind of ID at this point until you become a formal business partner. If you were a client, say, at the supermarket, would you go around showing your ID to every employee of the place? Would you find it normal if they didn't let you enter to see the goods if you don't provide your ID and personal phone number? This is ridiculous.
And you don't need to worry about finding $300,000.00 under the rocks outside of your village hut because this deal is not going anywhere by the looks of it.
One thing I can tell you, we will find another loan company to deal with. No business for you.
Goodbye,
To: Lad
Subject: Re: Loan deal inquiry
Date: 15/05/2020 16:58
You really have no idea how to conduct business. The language you use and the way you're expressing yourself reveals you really are a small girl who has never seen a $100 bill in her life.
It is not me who is taking this loan and therefore I have no reason to send you my personal phone number or ID. This is a corporate loan, and the office telephone number has been provided to you. Yet you're still refusing to let go of that childish attitude.
Remember we didn't even have a closed deal yet. There's no need for the Studios to send you any kind of ID at this point until you become a formal business partner. If you were a client, say, at the supermarket, would you go around showing your ID to every employee of the place? Would you find it normal if they didn't let you enter to see the goods if you don't provide your ID and personal phone number? This is ridiculous.
And you don't need to worry about finding $300,000.00 under the rocks outside of your village hut because this deal is not going anywhere by the looks of it.
One thing I can tell you, we will find another loan company to deal with. No business for you.
Goodbye,
From: Lad
To: My accountant
Subject: Re: Loan deal inquiry
Date: 15/05/2020 18:17
Go and contact other lender that will not ask of your ID and Phone number.I have my license and i am registered with BB.I can give you to verify
To: My accountant
Subject: Re: Loan deal inquiry
Date: 15/05/2020 18:17
Go and contact other lender that will not ask of your ID and Phone number.I have my license and i am registered with BB.I can give you to verify
From: My accountant
To: Lad
Subject: Re: Loan deal inquiry
Date: 18/05/2020 11:38
Do you realize we're going in circles here? Now you're telling me you're registered with BB and can prove it to me. If you read my earlier email you'll find out that is precisely the only thing I was asking for. In the same email where I gave you the office phone number before you started ranting and whining like a crybaby about personal telephone numbers.
This is business. Cut all this drama and behave professionally. Are you going to provide the registry certificate or not?
To: Lad
Subject: Re: Loan deal inquiry
Date: 18/05/2020 11:38
Do you realize we're going in circles here? Now you're telling me you're registered with BB and can prove it to me. If you read my earlier email you'll find out that is precisely the only thing I was asking for. In the same email where I gave you the office phone number before you started ranting and whining like a crybaby about personal telephone numbers.
This is business. Cut all this drama and behave professionally. Are you going to provide the registry certificate or not?
From: Lad
To: My accountant
Subject: Re: Loan deal inquiry
Date: 18/05/2020 19:26
If i will continue with you,you will have to make the deposit fee before i continue with you.If not do not contact me again.
To: My accountant
Subject: Re: Loan deal inquiry
Date: 18/05/2020 19:26
If i will continue with you,you will have to make the deposit fee before i continue with you.If not do not contact me again.
From: My accountant
To: Lad
Subject: Re: Loan deal inquiry
Date: 19/05/2020 14:00
Fine. We're already dealing with a better and cheaper loan company. Their initial fees are $5k only and they, unlike you, are serious enough to know business is done over email or business phone numbers only.
I have heard about companies like yours. Everyone in the online loan business knows about you, even our new business partner did. You are a poor and hungry small boy sitting in a rented room in front of a computer that isnt' event yours. You haven't got any money to lend. You wait until you have a client then you try to find another client to convince him on an
investment opportunity to get the money to lend from him. You're just a small time loan broker that makes a living out of contacting random people. Why do you need the $15k for? To bring a new "investor" to your fraud activity?
Let me help you, I'll send you $5. What is your real name? No need to give me anything back or to play small kid loan games. Is that ok with you?
Goodbye,
To: Lad
Subject: Re: Loan deal inquiry
Date: 19/05/2020 14:00
Fine. We're already dealing with a better and cheaper loan company. Their initial fees are $5k only and they, unlike you, are serious enough to know business is done over email or business phone numbers only.
I have heard about companies like yours. Everyone in the online loan business knows about you, even our new business partner did. You are a poor and hungry small boy sitting in a rented room in front of a computer that isnt' event yours. You haven't got any money to lend. You wait until you have a client then you try to find another client to convince him on an
investment opportunity to get the money to lend from him. You're just a small time loan broker that makes a living out of contacting random people. Why do you need the $15k for? To bring a new "investor" to your fraud activity?
Let me help you, I'll send you $5. What is your real name? No need to give me anything back or to play small kid loan games. Is that ok with you?
Goodbye,
Don't think this will go much further. Hopefully a funny rant is all what he's got left to give.
ETA: On 2d thought, why not let him stew for a few days then have a fellow scammer thank him for spoiling his job himself because dis maga pay well well. I'm sure he'd appreciate it.
