Ongoing straight bait - Loan Scam

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Scamaranga
Roadside Gala Seller

When I was a boy I was brought up in a circus...

Posts: 76

Ongoing straight bait - Loan Scam May 21, 2020 17:46:27 GMT

Post by Scamaranga on May 21, 2020 17:46:27 GMT

This is an ongoing (straight) bait with another loan scammer. I like the way Mr. Lad here is going.
He's been silent for almost a day now, hopefully working on a handwritten document.

NB: Also using my publishing-tool-from-hell, I have made a little adjustment to text extraction. Because it is using GMail's text/plain parts to get the text, there were a lot of weird line breaks all over the place (kindly inserted by Google). Tool should now unwrap silly line breaks and produce easier to read output.

A classic opening:

From: Random sender
Date: 15/04/2020 08:23
Are you Searching for a LOAN ?
We offer Personal Loans, Business Loans,Student Loans,Car Loans And Loans To Pay Off Bills from $ 10000 to $18,000,000.00, Dollars,Euro,Rupees And Pounds at 3% interest rate.If you need a Loan contact us now only on this email: Ladfinancial@gmail.com<mailto:Ladfinancial@gmail.com>

Regards,
Mr Lad James.
.............................. ......
( THIS OFFER IS FOR SERIOUS APPLICANT ONLY APPLY NOW !! )

From: Me
To: Lad
Subject: Re:
Date: 04/05/2020 12:11
Hello, just found this email in my inbox. I may be interested.
Please tell me more.

Best regards,

From: Lad
To: Me
BCC: Me
Subject: LOAN APPLICATION FORM FILL AND RETURN BACK ACCORDINGLY.
Date: 05/05/2020 11:58
We got your email and the content was well noted. We want you to know that we can help you with this loan. But note that we deal with truthful and trusted customers Only so if YES you know that you are serious and trusted what you have to quickly do now is for you to fill the loan application form below and return back to us now so that the loan terms can be calculated and send to you now asap..

LOAN APPLICATION FORM FILL AND RETURN BACK ACCORDINGLY.

First name:......................... .............................. .

Last name:......................... ...........................

Business Name(If Any):......................... ..............

Loan Amount Needed:....................... ...................

Purpose Of Loan:......................... ......................

Duration:..................... .............................. .....

Date of birth (yyyy-mm-dd):................. .................

Gender:....................... .............................. ......

Marital status:....................... ............................

Monthly Income:....................... ............................

Current Bank Account Balance:...................... .....................

Home Address:...................... .............................

City:......................... .............................. .........

State/Province:............... .............................. ........

Zip/Postal Code:......................... ............................

Country:...................... .............................. .........

Phone

Number+....................... .............................. ............

Mobile Number+....................... ..............................

Best Time To Call.......................... .......................

Email:........................ .............................. ...........

Job Title:........................ .............................. .....

Occupation:................... .............................. ..........

Whats-app Number If Any: .............................. .......................

Do You Read And Reply Text Message On Phone ? If YES Then Put the

Number Here To

Send Text Messages + .............................. .....

Were Did You Hear About Us ..............................................

I await the form fill and return to proceed loan applications.

God Bless You.

Regard,

Lad James.

Lad Financial Services.

Email: Ladfinancial@gmail.com

From: Me
To: Lad
Subject: Re: LOAN APPLICATION FORM FILL AND RETURN BACK ACCORDINGLY.
Date: 05/05/2020 13:12
Mr. Lad,

What interest rate can you offer for a $300,000.00 corporate loan of around 10 years? Where is your company located?

Best Regards,

From: Lad
To: Me
BCC: Me
Subject: LOAN TERMS FOR $300,000.00 ( Terry ) Copy
Date: 05/05/2020 14:20
Hello Terry,

Am in receipt of your mail, I want you to know that our financial services head office is located here in Warsaw POLAND . We have branch representative office also in Arizona USA which we working on to move as head office before the out-brake of corona virus / Covid 19 Epidemic. I can lend you the amount needed, but once again i want to be sure you are very serious and trustworthy.

I want you to know that the duration for this loan is 10 years as i have measure and also the interest rate is 3%.

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.

You are to read the loan terms carefully and please note that as soon as you received the loan from us do remember to repay back as you promise.

Information For The Processing Of Your Loan:

( 1 ) You are to send me your banking information so that the processing of your loan can be done immediately so that it can be transfer and reflect into your bank account.

( 2) As soon as you get your loan the monthly repayment plan on were you will be making your monthly repayment will be send to you immediately ASAP

APPLICANT'S DETAILS:

* Applicant Name: Terry
* Amount: $300,000.00
* Loan Duration 10 years

LOAN TERMS AND REPAYMENT SCHEDULE:

Loan Amount Needed: $300,000.00
Loan Interest Rate: 3%
Loan Term: 10 years
Monthly Loan Payment: $2,896.82
Number of Payments: 120
Cumulative Payments: $347,618.73
Total Interest Paid: $47,618.73

Note: The monthly loan payment was calculated at 119 payments of $2,896.82 plus a final payment of $2,897.15.

LOAN AGREEMENT / CONDITIONS :

{1 }:Applicant must obey the company instructions.

{2 }:Applicant must be 18 years and above.

{3 }:Applicant must provide his/her National Identity Card or International Passport OR Driver License and a copy of his/her photo(pictures).

{4 }:All information sent by the applicant must be valid.

{5 }:Applicant must respond to the company mails regularly.

{6 }:The loan repayment is consist in Monthly payment with the total interest rate. below information is the loan terms

{ 7 } The applicant will start the repayment of loan at the end of every month starting from 1 months after loan has been transferred.

{ 8 } Applicant who is unable to meet with the repayment will be given 3 weeks more as a grace period

{ 9 } Failure to pay back the loan at this expected date/period, legal actions will be taken against the applicant by my attorney immediately.

{10} The transfer for the loan must be bank to bank transfer because the loan amount is large so the borrower is to fill the transfer information below and loan contract document will be send to sign.

{11 } The borrower Terry must at-list have a collateral for this loan and also state what he/she have as a collateral for the loan in the format below too.

{12 }Note The borrower is to indicate (YES) i agreement to the terms,
or [No] i disagree. If you have agreed to the terms then send your banking information now so that i can start processing the loan Below is the format that you have to fill containing your banking information do this and get back to me immediately to proceed.

PROVIDE YOUR BANK INFORMATION IN THE FORMAT BELOW.

Bank Name:........................................

Bank Address:.......................................

Account Holder Name:.....................................

Account Number......................................

Type of Account : ...........................................

Swift Code If You Have For The Account :................................

How Fast Did You Need The Loan:...................................

What Do You Have As A Collateral For The Loan:
...................................

Scan Attach Copy Of Your Identity Card: ........................................

Valid House Address Of Applicant Terry ........................

Await your swift response to verify our information and proceed with loan contract document for you to sign and proceed.
.
God Bless You.
Regards
Mr Mick James

Lad Financial Services.

Email: Ladfinancial@gmail.com

Customers Services 24 hours Whats-app Number Online Open To Chart & Inquiries: +1-480-772-0703.

Let's haggle a bit! Also, meet Higher Authority:

From: Me
To: Lad
Subject: Re: LOAN TERMS FOR $300,000.00 ( Terry ) Copy
Date: 06/05/2020 15:21
Mr. Lad,

I have read and do agree with the loan terms and conditions. However, the decision to take this loan is not my own responsibility because this is a company and there is a Financial Board that has to approve this kind of operations.

The company is currently prospecting the online loan market and I find 3% a bit over the average offer out there. There are lots of companies offering as low as 2% and have been negotiating with a west african company for even a 1.5%. Having a US branch is a big plus but I am not sure if it will be enough to get the Board positive on the deal with a 3%.

Are you in a position to offer or propose any discount on the interest reate? I know other loan companies are offering discounts based on partial loan funding on account of the government due to the cornovirus epidemic.

Best regards,

From: Lad
To: Me
BCC: Me
Subject: Re: LOAN TERMS FOR $300,000.00 ( Terry ) Copy.
Date: 06/05/2020 23:48
Terry,
I got your mail and content was well noted. I have discus this with my financial adviser since its large amount you seeking as a loan i therefore will only accept 2% for you on this maybe in feature we can also do more business so let me keep the relationship of business between us with this 2% i want you to get back to me if the 2% is OK by you so i can re-send you the loan terms for 2% and we can proceed .

hope to hear from you soon.

Lad James.

Good lad

From: Me
To: Lad
Subject: Re: LOAN TERMS FOR $300,000.00 ( Terry ) Copy.
Date: 07/05/2020 10:30
Mr. Lad,

That's great news to hear that you're agreeing to a 2%. While I wait for the new terms I'll put a note on your file so the people here take into account it's a 2% not a 3. I'll also add "Collaborative and serious business contact - Mr. Lad" to the note so they know the kind of company you are. That may be a big plus for you when the Financial Board has to take their decision.

Best regards,

From: Lad
To: Me
BCC: Me
Subject: LOAN TERMS FOR $300,000.00 At 2% Interest Rate ( Terry ) Copy. ADJUSTMENT OF INTEREST RATE
Date: 07/05/2020 13:17
Hello Terry,

Am in receipt of your mail, I want you to know that our financial services head office is located here in Warsaw POLAND . We have branch representative office also in Arizona USA which we working on to move as head office before the out-brake of corona virus / Covid 19 Epidemic. I can lend you the amount needed, but once again i want to be sure you are very serious and trustworthy.

I want you to know that the duration for this loan is 10 years as i have measure and also the interest rate is 2%.

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.

You are to read the loan terms carefully and please note that as soon as you received the loan from us do remember to repay back as you promise.

Information For The Processing Of Your Loan:

( 1 ) You are to send me your banking information so that the processing of your loan can be done immediately so that it can be transfer and reflect into your bank account.

( 2) As soon as you get your loan the monthly repayment plan on were you will be making your monthly repayment will be send to you immediately ASAP

APPLICANT'S DETAILS:

* Applicant Name: Terry
* Amount: $300,000.00
* Loan Duration 10 years

LOAN TERMS AND REPAYMENT SCHEDULE:

Loan Amount Needed: $300,000.00
Loan Interest Rate: 2%
Loan Term: 10 years
Monthly Loan Payment: $2,760.40
Number of Payments: 120
Cumulative Payments: $331,248.48
Total Interest Paid:$31,248.48

Note: The monthly loan payment was calculated at 119 payments of $2,760.40 plus a final payment of $2,760.88.

LOAN AGREEMENT / CONDITIONS :

{1 }:Applicant must obey the company instructions.

{2 }:Applicant must be 18 years and above.

{3 }:Applicant must provide his/her National Identity Card or International Passport OR Driver License and a copy of his/her photo(pictures).

{4 }:All information sent by the applicant must be valid.

{5 }:Applicant must respond to the company mails regularly.

{6 }:The loan repayment is consist in Monthly payment with the total interest rate. below information is the loan terms

{ 7 } The applicant will start the repayment of loan at the end of every month starting from 1 months after loan has been transferred.

{ 8 } Applicant who is unable to meet with the repayment will be given 3 weeks more as a grace period

{ 9 } Failure to pay back the loan at this expected date/period, legal actions will be taken against the applicant by my attorney immediately.

{10} The transfer for the loan must be bank to bank transfer because the loan amount is large so the borrower is to fill the transfer information below and loan contract document will be send to sign.

{11 } The borrower Terry must at-list have a collateral for this loan and also state what he/she have as a collateral for the loan in the format below too.

{12 }Note The borrower is to indicate (YES) i agreement to the terms,
or [No] i disagree. If you have agreed to the terms then send your banking information now so that i can start processing the loan Below is the format that you have to fill containing your banking information do this and get back to me immediately to proceed.

PROVIDE YOUR BANK INFORMATION IN THE FORMAT BELOW.

Bank Name:........................................

Bank Address:.......................................

Account Holder Name:.....................................

Account Number......................................

Type of Account : ...........................................

Swift Code If You Have For The Account :................................

How Fast Did You Need The Loan:...................................

What Do You Have As A Collateral For The Loan:
...................................

Scan Attach Copy Of Your Identity Card: ........................................

Valid House Address Of Applicant Terry ........................

Await your swift response to verify our information and proceed with loan contract document for you to sign and proceed.
.
God Bless You.
Regards
Mr Mick James

Lad Financial Services.

Email: Ladfinancial@gmail.com

Customers Services 24 hours Whats-app Number Online Open To Chart & Inquiries: +1-480-772-0703.

From: Me
To: Lad
Subject: Re: LOAN TERMS FOR $300,000.00 At 2% Interest Rate ( Terry ) Copy. ADJUSTMENT OF INTEREST RATE
Date: 08/05/2020 10:45
Mr Lad,

Thanks for sending the terms and the agreement again. However, as I told you earlier it's not yet the moment to sign for this loan.

The online loan market prospection phase has taken a lot of time and we are quite behind schedule already with this loan. There is only one more loan company we're establishing contact with at the moment and we'll close the list of potential loaners in the next few hours or days.

Mr. James Bean from the accounting department who is in charge of reviewing and putting together all the offers may contact you in the near future to sort out any issues that may need clarification. We all want this proposal to look as better as possible in the eyes of the Financial Committee.

Best regards,

From: My accountant
To: Lad
Subject: Questions about loan deal
Date: 11/05/2020 11:59
Hello,

Mr.Terry gave me your email address so I could get answers to issues that may need clarification regarding the loan deal you've been discussing.

I need to know both concept and amount of any upfront payments that will need to be satisfied. Fees, insurances, taxes, ...

Please note this is not a bailout question. Your loan offer has already been selected as a solid candidate. We need this information with as much detail as possible so it will already be in the Loan Deal document and therefore have these expenses approved right from the start. So please be transparent and honest about the totality of the necessary expenses.

I hope you understand it is for our mutual benefit. Otherwise we may need to call for a Expense Disbursement Request separately to deal with those expenses, and that can take a few days to approve.

They always like it when things go easy:

From: Lad
To: My accountant
BCC: My accountant
Subject: Answer about loan deal
Date: 11/05/2020 16:02
James Bean,
Good day to you i got your mail and content was well noted.
First i will like to say i understand your questions and from here there is no offense at all and i want you to know that you have no regret taking this loan from me because you are on the right place we assure to give you best of our services.

Am a christian and believer of God so honestly speaking after contacting my processing department the total amount that will be require from you on the processing of $300,000.00 USD funds to you is $1780 without any issues.

Therefore as soon as you have everything approved over there you are advice to provide your banking details and other documents as advice on the loan terms i sent so we can start processing funds right away.

Thanks for your understanding God bless you and my regards also to Mr.Terry

Regards,

Mr Lad James.

Money of course is never a problem!

From: My accountant
To: Lad
Subject: Re: Answer about loan deal
Date: 12/05/2020 09:43
Ok, I noted down there's a $1.780,00 expense up front. It is a small amount of money so it won't be a problem at all.
But remember I need a detailed breakdown of what these $1,780.00 are for.
The Board needs to know what they're paying for before they will.

We will also need some details on your business background. Like, how many years have you been in the loan business, which remarkable clients or success cases you've had in the past, and an outline of the company philosophy or enterprise mission.

Best regards,

From: Lad
To: My accountant
BCC: My accountant
Subject: Re: Answer about loan deal.
Date: 12/05/2020 23:44
James Bean,

Your mail was receive and content was well noted please be inform that the $1780 require fee is for the processing of transfer the $1780 is an origination fee for the require loan amount $300,000.00 USD .

Background of my business which you ask have been a lender for past 18years with the head office here in Warsaw Poland December last year 2019 stared working on my branch office in Arizona USA which i provide details therefore if you are on whats-app you can drop you number so i can add you on the company customers care group for further inquires also an applicant Mrs Monica Bruz got business loans of $500,000.00 USD 4months ago she is from Florida USA her email is: bruzmonica@gmail.com also there are many reference of applicants which have gotten loans from me but this is the current applicant that just got a loan from me now you can double confirm if you wish from her i have told you i like to be honest and you must also me honest with me too in any steps and as you get the loan too. .

With all this i think i have giving some points which maybe useful to you and be informed assured and guarantee that everything is in control any other information require will be follow on the loan contract documents and the monthly repayment plan slip which will be send to you once you both have return the processing require information which was send to you on the loan terms which stated your identity and banking details for processing of funds this is all i can answer from you .

God bless you.

i wait to hear from you as soon as possible.

Lad James

He reports back to me. At least he understood he's tallking to different people - not all do!

From: Lad
To: Me
BCC: Me
Subject: LOAN TERMS FOR $300,000.00 At 2% Interest Rate
Date: 12/05/2020 23:54
Hello Terry,
How are you doing today please be inform that i got mail yesterday and today from James Bean who told me that you gave him my mail to contact me regarding the requested loan amount i have replied him just now on the loan informations require and i also want you to be inform that everything is in control and there is nothing for you to worry about because you are on the right place to get this loan i therefore want to know how soon do you need this loan so i can make other arrangments on the loan contract documents and processing of funds.

I await to hear from you soon.

Regards,

Mr Lad James.

From: My accountant
To: Lad
Subject: Re: Answer about loan deal.
Date: 13/05/2020 09:59
Thanks a lot for the details provided in your last email.

I've noted down the purpose of the upfront payment as "origination fee " if that's ok with you.

Because this starts looking like a solid candidate to start working on the formal document for the Board, could you please provide any official document certifying your activities as a legal lender? It can be any Polish document if it's easier for you, or the one you have for your Arizona offices.

Best regards,

Let's see how much he likes Mr. Bean:

From: Me
To: Lad
Subject: Re: LOAN TERMS FOR $300,000.00 At 2% Interest Rate
Date: 13/05/2020 13:34
Mr. Lad,

Thanks for your heads up. Mr. Bean is updating me daily of every progress regarding this deal and I'm excited to know the good news as they come.
We will need this amount as soon as possible once the Board approves the loan.

Feedback is very important for us. I got Mr. Bean's feedback about you which has been quite excellent, and now I'd like to get yours about him.
How would you rate in a 0 to 10 scale Mr. Bean's professionality, business know-how and also the degree of satisfaction your interactions with him have provided you?

Best regards,

From: Lad
To: Me
BCC: Me
Subject: LOAN TERMS FOR $300,000.00 At 2% Interest Rate..
Date: 13/05/2020 21:20
Terry,
I recieve your mail and content was well noted. Well if am to rate Mr Bean it will be 6 of 10 scale because so far am satisfied with his follow up regarding the loan process and i wish to meet with him personally one on one some day when i come to the United State after this Covid-19 .....

Regards,

Lad James.

His first attempt to sneak out of his duties:

From: Lad
To: My accountant
BCC: My accountant
Subject: Re: Answer about loan deal.,
Date: 14/05/2020 09:53
James Bean,
I got your mail and content was well noted. With due respect sorry i can not send you any of my personal lending documents sorry i also want you to be inform that everything is in your hands weather you taking the loan from my financial services or not its not by force but rather choice. Your questions are getting too much and i can not entertain it any more because am not in a court were i need to answer questions rather am not a lawyer too i can not provide any of my License or document to any one for my security reasons i have heard how people documents are being stolen use on criminal activities so please don't ask me for any document if you wish to come over to poland for proper clerifications the only business i have with you is the loan contract if you wish to proceed with the loan. Am the one to be scared of giving such a large amount out as a loan the information i requested from you which is your identity on loan terms till now have not been provided to me and here you are asking me for document i don't mean to sound rude but sorry this my company and policies you must follow my rules

Regards,

Mr Lad James..

I am as friendly as ever:

From: Me
To: Lad
Subject: Re: LOAN TERMS FOR $300,000.00 At 2% Interest Rate..
Date: 14/05/2020 10:35
Dear Mr. Lad,

Thanks for your feedback. It is very useful to us and you can have peace of mind it will remain anonymous and will only be used as a help factor in the annual performance review for employees.

How's the cornovirus situation in Poland? Did you go through lockdown and this sort of stuff?

My friend, things are starting to rush here. I had en email a few hours ago from the Board asking about progress regarding the expansion of the Studios to Europe. This may be just the perfect timing to brief them the Roadmap I've been working on these last months. Stage 1 of the Roadmap as you can imagine is getting this loan materialized.

I will urge Mr. Bean to finalize his enquiries as soon as possible so we can deliver the Loan Request document along with the Roadmap.
These are demanding times. I expect your swiftest and complete cooperation until this deal is closed.

God help us,

From: Lad
To: Me
BCC: Me
Subject: Re: LOAN TERMS FOR $300,000.00 At 2% Interest Rate....
Date: 14/05/2020 17:47
Terry,
I got your mail and content was well noted. Be inform we always here to satisfy our customers we reply clients 3 times daily depending on issues at the particular time we can be online with a specific/particular applicant to assist if its emergency for hours .
Regarding the lock-down things is moving slowly but 24th of May it going to be rush here too meanwhile some offices,shop,Mall etc are open every one is just waiting to go back to the normal life and business as it was before the pandemic. We are open for business any time because its private lending services .

So tell me how have you been coping with business during this lock down?
Do you have other businesses apart from this ? hopr to hear from you soon

Regards,

Lad James.

From: My accountant
To: Lad
Subject: Re: Answer about loan deal.,
Date: 15/05/2020 13:30
Lad, your last email was indeed rude and disgusting. Definitely not what I'd expect from a professional business man.

I am just trying to do my work here so this deal can be closed as soon as possible with the best possible outcome. I have been trying my best to perform my work in a rigurous and accurate manner, but if that's the way you do business then so be it.

Mr.Terry has been putting a lot of pressure on me to get these preliminary procedures concluded as soon as possible. So, I'll be delivering the final draft today and hopefully won't need to ever contact you again.

You surely realize all these questions that are too much for you as you say, they have a purpose which is the success of this deal. If Mr.Terry doesn't get the Financial Committee to believe in this (his) idea and with a high degree of confidence in success, there is no business for you. Maybe there isn't even for us either. If the expansion to Europe gets cancelled it could mean massive layoffs.

I won't keep asking questions if that is "your policy" as you say. If there's anything you'd like to say or provide for yourself to try and give this deal a better chance of success you're welcome to do so.

Goodbye,

And he yields... Good lad.

From: Lad
To: My accountant
BCC: My accountant
Subject: Re: Answer about loan deal.,..
Date: 15/05/2020 14:11
James Bean,
Got your mail and content was well noted and understand . I see the reasons for your questions but inititally you did not explain all this to me in detail so how do you expect me to work with that if only you have mention all this to me as you have stated it will be my pleasure to provide to you all documents needed understand my points have been a lender for past 18 years you need to understand my own reasons too any way i shall send to you my polish document i hope that will be OK with you

Mr Lad James.

I feel I am starting making a good friend here

From: Me
To: Lad
Subject: Re: LOAN TERMS FOR $300,000.00 At 2% Interest Rate....
Date: 15/05/2020 16:03
Dear Mr. Lad,

How are you today my friend and thanks for asking about our situation.

Business has suffered a bit during the lockdown. Fortunately we've been able to keep up with all our management duties working remotely from home.
I miss the office a lot. Working from home isn't easy, especially when you have kids around that can't be quiet or understand they need to play by themselves. Do you have a family, my old friend? If you do you'll understand what I mean.

The production part is the other side of the coin though. Of course actors cannot work and all the filmings we had scheduled for these months are on standby. We had lots of filming locations paid for in advance and all that money is going to be wasted. That's the reason why we're trying to get the expansion to Europe started as soon as possible, so we can relocate staff, diversify costs, staff and get cheaper locations to work with.

I have great news for us. I had an input from Mr. Bean telling me that his work is almost over. With the help of God Almighty early next week we'll have the approval of the Committee already and then we'll call this deal closed. I am already looking forward to materialize our business partnership.

Warmest regards,

He's also trying to play friends with Mr. Bean

From: Lad
To: My accountant
BCC: My accountant
Subject: Answer about loan deal.,..
Date: 15/05/2020 20:25
James Bean,
Attach to this mail my lending document attach copy hope this will be fine for now ?
i also will forward a copy too to Terry how is the lock down over there ? guess you can tell me more and also are you married ? just asking to know more about you too.

Thanks for you understanding,

Regards,

Lad James.

From: Lad
To: Me
BCC: Me
Subject: Re: LOAN TERMS FOR $300,000.00 At 2% Interest Rate.........
Date: 15/05/2020 20:44
Terry,
How are you doing my friend am very happy to read your mail today and the contents was very interesting and noted. First i like to say yes i do have family i understand they disturbance of kids at home especially during this lock-down now it is not easy for many parents especially those with many children ...Laughing hahahaha .

I have also send the document requested by Mr James Bean to him maybe you not aware of this i have also attach the copy to this email so you have copy too its my polish document .

I hope to hear from you as soon as possible so we can proceed with the loan .

God bless you,

Mr Lad James.

Of course he will need to translate it. And he starts finding out Mr Bean is a whole different kind of person.

From: My accountant
To: Lad
Subject: Re: Answer about loan deal.,..
Date: 18/05/2020 12:29
Excellent, wouldn't you by chance have a translated version? If you don't, it isn't a big deal, I can send it down to a coworker at the studios that can probably give it a go.

I am a single man. Lockdown is not affecting me much on the personal side because I don't really go out that much. The internet fulfills all my social needs - gaming, keeping in touch with friends, casual chat with random people and most importantly pornhub.

I can't really complain, not everyone is able to work remotely from home.
For that I am extremely grateful to Mr.Terry, even with these extraordinarily rough conditions there hasn't been a single layoff yet.
Around 30 people were about to be fired a few weeks ago. He fought so hard for them and even confronted the Board about it. He is a great boss and a better person.

How are things on your end? I don't really know much about Poland, did the virus also hit hard there? Hope you and your family are just fine.

Cheers,

From: Me
To: Lad
Subject: Re: LOAN TERMS FOR $300,000.00 At 2% Interest Rate.........
Date: 18/05/2020 18:15
Dear Lad,

Thanks for keeping me updated regarding your collaboration with Mr. Bean.
He has already reported his last exchanges with you, and I believe we are now in a position to finalize this draft he's been working on and deliver it to the Committee in the next few hours or days.

I want you to know that this Loan operation is the pillar, the cornerstone of my corporate strategy to make the Studios overcome this crisis and grow stronger than ever after it. We have put a lot of effort into this deal, my friend, and I am so excited to see how very soon it is going to be a reality that will make all our wildest dreams come true.

As you've been now extraofficially appointed our business partner please allow me to call you that, and I also want you to take me as that. With the help of Almighty God this our partnership will be solid as a rock, built on strong foundations of loyalty, sincerity and goodwill, and unstoppable with the spirit of an unflagging purebred horse - just like our company.

One last question my old friend, once this operation is approved and things can start moving, how long do you think it wlil take for us to receive the loan amount? I'd like to start contacting some of our providers overseas to let them know an estimate for the orders we'll need placing in the near future.

Your business partner,

Good lad once again, looks like he's one of those who likes all that religious boilerplate

From: Lad
To: Me
BCC: Me
Subject: Re: LOAN TERMS FOR $300,000.00 At 2% Interest Rate...........
Date: 19/05/2020 14:57
Terry,

I got your mail and content was well noted . I was very happy reading your mails because Mr Bean send me an email too and talk so many good things about you indeed we have not meet in person i see you as a very good and God fearing man.

With just few mails i read from Mr Bean in addition to your mail am 100% confidence in you because every good and strong foundation of friendship is when both are Christians.

When both side know God as the almighty, believes in God work and trust in his name , such friendship last longer both in business. I 100% accept you as my very good friend because you are a believer of Gods words just like me with God all things are possible ( Matthew 19:26 ).

Regarding the processing of the loan since you need the loan urgently it will take us 3 days to complete and processing into your banking account because as soon as the requirements is been receive for the processing of funds, the loan contract document to sign and return will be send to you which you will have to make sure you are online with me 24 hours as the process is going on so the funds can be made available for transfer into your banking account withing the next hours the duration of 3 days . Once the approval the this loan on your side is done i advice you to please make time withing those days to be online with me always until the process is 100% completed Okay.

I hope business is returning back to normal as it was before over there gradually ? i look forward on your reply upon the approval so we can proceed right away.

God bless you and your family

Shalom,

Mr Lad James.

Well, he'll soon find out Mr. Bean doesn't like him much

From: Lad
To: My accountant
BCC: My accountant
Subject: Re: Answer about loan deal.,....
Date: 19/05/2020 15:08
James Bean,
How are you doing today i got your mail and was nice reading your mails to know some few things about you. I will want you to know that there is no problem at all you can send it to your coworker in the studios that ca probably give it a go.

Yes the Corona virus did hit here but thank God for his grace and mercy upon his children his love for us kept us all Amen .. Although it affected businesses and more workers but as for this week thing is trying to be ON again and bless God .

So tell me how old are you ? and why are you not married yet ? please sorry i ask personal questions from you just think of getting to know more about you as friends.

Hope to hear from you soon.

Shalom !

Mr Lad James.

A friendly update, let's be partners in business and faith!

From: Me
To: Lad
Subject: Re: LOAN TERMS FOR $300,000.00 At 2% Interest Rate...........
Date: 19/05/2020 18:51
Dear Mr. Lad,

Thanks for your kind words and the verse my good friend. It was very inspiring. I have written it down and clipped it to our deal's folder so I will never forget it and so it will be the first thing I see when I pick it up.

Here's one verse my wife always reminds me of when business is troubling just like these days: "For I know the plans I have for you, plans to prosper you and not to harm you, plans to give you hope and a future" (Jeremiah 29:11). As you have found out I am a Christian, and my wife too.
She is an assistant to the pastor in our local Church, and her knowledge of modern communication tools is helping our Church Community stay together a lot during these hard times. She always has a wise word for anyone seeking help, and is always keen to help any lost soul return to the flock. Doesn't matter when, even if her laptop rings a bell in the middle of the night, she will get out of bed and comfort her fellow Christian for hours if necessary. I am the luckiest man on the earth.

It is great news you bring my friend that the loan processing will take less than a week once everything has been properly settled. I will be contacting our providers abroad to let them know we're going to need a new office set up. We are still unsure about the location because the Board will always have the last word, but we've been considering expansion to the UK for a long time, with the help of God.

My good friend, we are still far from getting back to normal here. We are under what they call a "Stay at home Order" and it can last until July or even longer. Here's a recent local news article if you're interested in our situation: www.latimes.com/california/story/2020-05-12/coronavirus-beaches-reopen-los-angeles-county-move-toward-new-normal.

I am glad to inform you that the Committee has very well received all the information today about the Loan Deal we've been working on for the past few weeks. Your name is the first on the list, and has been highlighted as Best Opportunity in the Deal document. We'll probably have their pronnouncement in the next few days or hours.

God help us.
Your partner in business and faith,

He is a happy lad for now

From: Lad
To: Me
BCC: Me
Subject: LOAN TERMS FOR $300,000.00 At 2% Interest Rate...............
Date: 19/05/2020 23:03
Terry,
Am very happy with your mails today it really nice meeting a christian friend in the line of business like this and i assure to proceed and give best of my services to you .

Am happy hearing your wife is a christian too this is so wonderful hearing such words about your wife it gives me more happiness indeed God really works in special ways look at how he is connecting us as family may his name be praised Amen.

I read about the corona virus lock down over there and i know for sure everything will be fine soon.The devil is a liar God works and his words must stand this is just how the devil want to tricks the world but God is the Ultimate he is God the owner of the world. Thanks also for the bible verse it encourages us that God have good plans and features for us i like the verse thanks once more

Good to hear that Committee have receive the loan deal waiting on their their pronouncement .

So tell me how do you manage to work or do business over there at this time of Pandemic?

Hope to hear from you soon to proceed.

Shalom,

Lad James.

On Monday there actually is an update, things are starting to get going!

From: Me
To: Lad
Subject: Re: LOAN TERMS FOR $300,000.00 At 2% Interest Rate...............
Date: 20/05/2020 16:05
Dear Mr. Lad,

We do not yet have an official pronouncement from the Committee, but as I've been unofficially advanced they will require at least a translated copy of the lender certificate you sent to Mr. Bean and me. There may be other requirements I haven't yet been informed of.

My good friend, I thought this had been already taken care of. Didn't Mr.
Bean ask you for a translation? Because that is what he told me. I will ask him for an explanation. Lies are something I cannot tolerate in my business.

I'll keep you udpated.

Your partner in business and faith,

Mr. Bean isn't happy at all with the certitificate translation issue.

From: My accountant
To: Lad
Subject: Certificate translation stress and problems
Date: 20/05/2020 16:49
I sent your Polish certificate to Angela my coworker yesterday. Having committee stuff pop up unexpectedly on her table didn't make her happy at all. Now she says it's my fault because I can't keep my mouth shut and she's going to hold this against me until I give her the favour back.

And excuse me but how old I am and why I haven't married is none of your business. This is not a friendmaking party. And cut that preachy religious crap, I hate it. You are not a fucking priest are you?

I'm sorry but I'm pissed off here, man. Mr.Terry is angry at me now because the document was sent to the Committee without the translation. You have a better English than our Polish why did you have to be so lazy and didn't translate it yourself? This is causing a lot of trouble for me.

If you think you can translate the document and send it over in a reasonable amount of time I'd be very relieved. Let me know either way because if you can't I'll have to beg Mr.Terry for forgiveness and try to come up with a solution for myself.

Thank you,

Lazy boy...

From: Lad
To: Me
BCC: Me
Subject: Re: LOAN TERMS FOR $300,000.00 At 2% Interest Rate.................
Date: 20/05/2020 23:01
Terry,
I got your mail and it was well noted. I also receive mail from Mr Bean too asking for translation this will be very difficult for me and even if i can manage to translate i dont think it will look like that original document just saying because have not tried it and its something m not sure also here is my number i think its time we talk this over on the phone call me now let talk this: +48221530978

Lad James.

I wasn't going to make him translate that crap anyway. Even better if he doesn't get it translated to use on other people. But I could use a handwritten document

From: Me
To: Lad
Subject: Re: LOAN TERMS FOR $300,000.00 At 2% Interest Rate.................
Date: 21/05/2020 01:00
Dear Mr. Lad,

I have many exciting news my good friend. The Lord is smiling upon us today and I can already see the first glimmer of success as I type this email.

First things first. I talked to Mr. Bean earlier regarding the certificate translation issue and I decided to take the matter into my own hands. Poor soul was devastated about all this. Because Almighty God said "forgive your servants not only seven times but seventy times seven" I let him take the day off today and sent the certificate myself to a certified translator of my trust. Because it will only cost around $100 express service I just paid it off my pocket and it will be in the Committee's desk very soon. I can't think of a better use for these $100 than granting forgiveness and bringing peace to a troubled brother, my friend, can you?

So I want to give you peace of mind regarding the translation because I see you were also worrying about this issue. I appreciate you giving your phone number by the way. You must know I was diagnosed with a severe type 2 diabetes in 2013 that has since been affecting the blood vessels and nerves of my inner ear to the extent I am currently 85% hearing impaired. It goes without saying if it wasn't for my unfortunate condition I would have ringed you weeks ago.

Now for the big news. The Committee already sent their Statement on our Loan Deal, it's still hot off the press. They consider closing this deal a matter of extreme urgency. This is great for us. I believe my last message to the Board has something to do with their sudden interest in moving this plan forward.

Find their statement attached. Please read it carefully and provide the requested documentation diligently. You don't need to worry about the translated certificate because it has been already taken care of. All you have to do is prepare a handwritten document with the operation's technical details and sign it.

Please keep in mind it is important, as mentioned in the statement, that this document contains the upfront payment amount and its purpose, so the amount will be released immediately from the company account without the need to make further disbursement requests.

Only with the help of God I am certain we will move forward towards the path he has laid down for us, and I am confident it will be a path of prosperity and joy.

Your partner in business and faith,

(This is a template I created a lot ago and have reused in multiple baits) - No time has been wasted crafting this document.

He's been silent since, hopefully working on that handwritten document

Last Edit: May 25, 2020 18:18:58 GMT by Scamaranga

Scamaranga
Roadside Gala Seller

When I was a boy I was brought up in a circus...

Posts: 76

Ongoing straight bait - Loan Scam May 24, 2020 0:15:43 GMT Frazzle likes this

Post by Scamaranga on May 24, 2020 0:15:43 GMT

I decided to send him a poke on Friday:

Dear Mr. Lad,

How are you today my friend? What is your update regarding the document we have been required to close this business? My apologies if you've sent any and I've been unable to see or find it.

From my side I am happy to inform the Committee has already received the translation of your certificate and they've also asked me to give an estimate for the terms and conditions document. I was too optimistic and gave them Friday - today - as an initial estimate, which is almost gone already. Because I have full confidence in our partnership I've extended that estimate by mid next week.

I am sure there is a good reason why I haven't got any feedback yet. Hope you and your family are safe and healthy.
I keep all of you, and our deal, in my prayers. Please let me know if you read this.

Your partner in business and faith,

He replied today in a rather disappointing mood:

Hello Terry,
Your mails was receive and sorry for late reply. I want you to
read those attached conditions you sent to me very well and understand
that i have been a lender for past 18 years with good records . Am
very sorry to tell you this if you can not work on my terms please
there is no problem at all .... I dont need to stress myself on my
hard earn company money rather am the one helping you with this loan
which you have to follow all my terms so let your committee know that
its their choice.

Shalom

On Monday I'll be looking for another business partner - "No dollars for you". See how he reacts.

Scamaranga
Roadside Gala Seller

When I was a boy I was brought up in a circus...

Posts: 76

Ongoing straight bait - Loan Scam May 25, 2020 17:33:38 GMT

Post by Scamaranga on May 25, 2020 17:33:38 GMT

Let's try and see first how things are in lad land today

Dear Mr. Lad,

I don't understand, why does your last email give off so much negativity? What are your terms that I can not work on? What exactly is causing you stress?

I just want to understand and help you. I am going through a lot with this operation myself, yet you'll never see me falter or weaken in my determination to go through all that is necessary until the very end. The Lord gives me strength everyday to remain positive and optimistic about our future. Remember I told you about Jeremiah 29:11- "For I know the plans I have for you, plans to prosper you and not to harm you, plans to give you hope and a future".
We need this business closed this week, my dear friend. These are trying times. We need to stay strong. I am still keeping you in my prayers.

Your partner in business and faith,

Last Edit: May 25, 2020 21:56:01 GMT by Scamaranga

Scamaranga
Roadside Gala Seller

When I was a boy I was brought up in a circus...

Posts: 76

Ongoing straight bait - Loan Scam May 25, 2020 21:54:42 GMT

Post by Scamaranga on May 25, 2020 21:54:42 GMT

There is still hope for this lad

Terry,
I got your mail and content was well noted. Please i want you to send me the copy of the translated document in English which i send in Polish i want to attach it to the other certificate/ document which you require from me to sign and return also be inform that am working on all those papers you must understand that i live here in Poland and everything is been written in polish and it must take me time to get you English version and i doubt if its the right thing am doing because i dont know how this will look when translated in English i just pray its fine to you and your committee because to me its simple i have made it clear if only it was just you this would have been more easier am very understanding person i hate lies especially once its business so understand me .. i shall provide to you the written letter of the loan terms and as require in hours because i dont know how soon i will get someone to translate to English .

Shalom,

God Bless You.
Regards
Mr Lad James

Lad Financial Services.

Email: ladfinancial@gmail.com

Of course his request will somehow manage to get overlooked. Once he sends that handwritten document things will be much, much easier for him - hopefully.

P.S. : How likely do you think it is he genuinely has a problem with English? Maybe a native polish lad? He gave a polish phone number and his document is also in apparent correct polish. I guess it's a safe bet to say his westies will also be to Poland.

Last Edit: May 25, 2020 22:01:57 GMT by Scamaranga

Scamaranga
Roadside Gala Seller

When I was a boy I was brought up in a circus...

Posts: 76

Ongoing straight bait - Loan Scam May 27, 2020 17:56:42 GMT

Post by Scamaranga on May 27, 2020 17:56:42 GMT

This one is a lazy git. Sent him his daily pokes and got the blame-game for his delays started:

From: Terry
Subject: Re: LOAN TERMS FOR $300,000.00 At 2% Interest Rate....................
Date: 26/05/2020
Dear Mr. Lad,

I'm sorry. I still fail to understand where is all this hesitation coming from. I am unsure why would you be worried about how will some English text look like just because you're writing it in Poland. We haven't had any communication issues at all so far, and we've been using plain old English just fine. Why would that be different in a written document? The terms and conditions were perfectly understandable in your first emails.

I do understand and appreciate, though, your commitment and professionality regarding these matters. That's where I think your negativity is coming from. Self-demandingness and seriousness should never affect negatively, quite the opposite. My dear friend, you worry too much. Do not listen to all these worries and doubts in your head. They're the devil's doing, it's the devil inside you, the devil we all have deep inside that lures us to his ways with temptation and unfaitfhful thoughts. Remember Matthew 8:26 "You of little faith, why are you so afraid?"

I want you to be confident on yourself, as much as I am in the success of this deal. We will get this deal closed this week. I told you yesterday, my determination will not ever falter or weaken. My faith is strong as a rock.
I'm still keeping you in my prayers.

Your partner in business and faith,

From: Terry
Subject: Re: LOAN TERMS FOR $300,000.00 At 2% Interest Rate....................
Date: 27/05/2020
Mr. Lad,

How are you today my old friend? Look, because I like to think I have started to getting to know you, and because I do appreciate and like you, I will be totally honest with you here in the next few lines.

Mid week is almost gone already and I have yet to see any progress at all regarding this business deal. I don't know what is keeping you back and, as much as I can empathize with your reasons - which I am sure do exist and are reasonable - you must know it is my own word and reputation that is at stake here. The Committee is starting to raise doubts about the delays in this deal, and because all this had my personal full backup and support, it is me who will be taking the responsability. God in Heaven knows I have worked and fought hard to keep my position in front of them over the years.
I know very well how they would like to see me resigning.

I hope you'll understand I can not let my position and the reputation I've fought for for years go down the drain in a matter of days because of these delays which I am not in control of. I also hope you'll understand the only course of action I am in control of here is capitulating and choosing another business partner. So please, my good friend, with no hard feelings, let me know if I should do that or if I should keep fighting back and standing up for my own word.

My faith is still strong and unbreakable. I also told you lies and deceit is something I can not tolerate in business and life. Whatever you reply is, as long as it doesn't go in that area, you'll still be my partner in faith if you choose not to be so in business. One wise word of advice my wife often offers is "Either I win or I learn, but with God’s help I never lose". I know we will both win.

Grace be with you.
Your partner in business and faith,

I think he's too lazy to even read these emails

Last Edit: May 27, 2020 17:57:23 GMT by Scamaranga

Scamaranga
Roadside Gala Seller

When I was a boy I was brought up in a circus...

Posts: 76

Ongoing straight bait - Loan Scam May 27, 2020 21:46:21 GMT Admin likes this

Post by Scamaranga on May 27, 2020 21:46:21 GMT

Well, turns out he does actually not only read them, but write a lot too. I like that, but also feel I'm also writing too much myself.

This just in:

Hello Terry,

My brother in Christ how are you doing and how is family? Am sorry for not getting back to you on time also my wife also apologize to you too because i explain to her your mail i receive and she said i should have made you understand reasons.

I have not been able send you the written attached letter on this loan to proceed as you requested because we had fasting and prayers in church which ends today that is the reasons have not been able to reply to you on time.

My wife hold a position in the church, we attend morning and evening services and also have to put things together before living the church once we close this is because of the Corona Virus Pandemic we organizing prayers since last week i want you to know that tomorrow Thursday you shall get the written attach letter from me so we can proceed with the loan.

I appreciate your patient and also your faith for still strong and unbroken i understand how you trying to make this work with the committee and also i stand by your words (Either I win or I learn, but with God’s help I never lose ) We shall win and God bless you for having same faith with me because i told God all through our prayers in church, for his will to be done on this i commit this issues to God and i remember this from the bible : For I know the thoughts that I think toward you, says the LORD, thoughts of peace and not of evil, to give you a future and a hope. (Jeremiah 29:11 KJV )

I believe God is really with us that is why you still believe in me and have patient i assure you that you will happy and glad that we did business together i hate lies and i will never i repeat never tolerate lies in my business i know all this storm will be over soon. If you dont mine i wish to get reply from you today before you go to bed as i shall check on my mails .

Shalom

Regards

Lad James.

Hopefully well hooked, although one wouldn't ever believe a word from this scum. Oh wait, did he say he hated lies?

Last Edit: May 27, 2020 21:47:36 GMT by Scamaranga

Scamaranga
Roadside Gala Seller

When I was a boy I was brought up in a circus...

Posts: 76

Ongoing straight bait - Loan Scam May 28, 2020 13:53:08 GMT

Post by Scamaranga on May 28, 2020 13:53:08 GMT

After all this whining and general drama about nothing he sent a short reply today:

Terry,
Attach is the sign written letter which you requested and i hope
now we can wait for the approval from your committee so we can
proceed.

God is with us ( Emmanuel )

Shalom.

Lad James.

Tsk tsk tsk, that doesn't look handwritten. It doesn't even have a RSOT. Totally unacceptable.

Dear Mr. Lad,

Thank you very much for preparing this documentation. I think I can now finally grasp the reason for the recent misunderstandings. We have been talking about different kind of documents all along.

The Committee's report which I sent over to you last week contained their requirement and it was clearly and explicitly stated that a handwritten document was required. With a pen and a paper. With your own hand. That simple. I have reviewed the contents of the document you sent and they are ok, but the format as you can probably understand is just not what is expected. I hope you'll understand I can not send this over as it is now in the current situation where it will only further undermine my position in front of the Committee.

So please, grab a pen and a paper and write down these very same words so we can close this deal in the next few hours. Make notice it is absolutely essential that it is your own handwriting and not anyone else's. The whole point of this requirement as far as I know is to be able to evaluate and assess certain business related personality traits. It is way more secure than a signature in an electronic paper which could easily be imposted. Just so you know, this formality should have been addressed long ago actually during the Know & Explore phase which is now far far away behind us. I was wrongly hoping we could just avoid it. I am sorry for that my old friend, I just wanted to get things moving ahead as fast as possible.

I am so happy to know you can already go to church even if there is some extra work to be done every time. We need to start accepting life will never, ever be the same. This change has come to stay. What a glorious coincidence that your wife is also involved with church support and organization. They should really meet each other someday. Maybe next time you're around for a visit to Arizona. It's not really that far from LA.

My good friend, now that Pentecost Sunday is coming let us rejoice together in Christ with a verse of the season. As you know apart from the descention of the Holy Ghost to the Apostles we also celebrate the giving of the Law to Moses on Mount Sinai. "If you love me, you will keep my commandments" (John 14:15).

Grace abounds,
Your partner in business and faith,

One thing I like about how this is playing out is he would seem to be buying the Committee stuff which is a great excuse for basically anything going the way he doesn't like - without any trace of fault on my back. With political opposition there anything horrible could happen to this deal operation when scammer payday comes.

Also, foreseeabbly payment will be conducted by someone in the accounting department, maybe someone he dealt with in the past and has since found out about who he really is, and wants a cut of the deal...

Lots of possibilities, one lying lazy lad. We'll see where this goes.

Scamaranga
Roadside Gala Seller

When I was a boy I was brought up in a circus...

Posts: 76

Ongoing straight bait - Loan Scam May 28, 2020 22:05:51 GMT Admin, headshotlv, and 1 more like this

Post by Scamaranga on May 28, 2020 22:05:51 GMT

Now we can start talking business:

From: Lad
To: Me
Subject: LAD JAMES ATTACHED LETTER
Date: 28/05/2020 23:41
Terry,
I got your mail and i want you to be informed that attached is the written document as i have understand on your mail be informed that it has been attached to this mail . I hope now every thing will be settle and we can move further as you have always wanted, i shall wait to hear from you as soon as possible. I pray with this verse Galatians 6:7-8 ( NIV) 7 Do not be deceived: God cannot be mocked. A man reaps what he sows. 8 Whoever sows to please their flesh, from the flesh will reap destruction; whoever sows to please the Spirit, from the Spirit will reap eternal life.

Pass this one on... The Lord sees everything you do. Wherever you go, he is watching. -Proverbs 5:21.

God is with us ( Emmanuel )

Shalom,

Lad James.

All this resent and veiled threats he expresses through those verse quotes... Oh man

Last Edit: Dec 6, 2022 5:47:39 GMT by stellabella: removed excess line usage

Scamaranga
Roadside Gala Seller

When I was a boy I was brought up in a circus...

Posts: 76

Ongoing straight bait - Loan Scam Jun 3, 2020 22:23:28 GMT headshotlv likes this

Post by Scamaranga on Jun 3, 2020 22:23:28 GMT

Over the last week things have been unwittingly slow.

Let's try to leave the suspicion game and bible verse threats behind first:

From: Terry
To: Lad James
Subject: Re: Lad JAMES ATTACHED LETTER
Date: 30/05/2020 01:45
Dear Mr. Lad,

I'm glad to announce the document has been well received and already forwarded to the Committee. Today those who were raising doubts about this whole operation have been proven wrong, and God Himself has proven us right.

It is so rewarding when your faith in something or someone, even in adversity, is validated by facts. It is then when those of little faith must show humility and repent. I'm talking about a specific individual in the Committe. But my good friend, God's Word is we should be magnanimous in victory, and that's why instead of rejoicing in my own personal victory I'll be praying for this faithless little angry person. God bless his soul and never let his prejudice and guilt consume him. Amen.

I have no official response yet but being the required documentation properly submitted respecting the estimated deadline, I sincerely doubt there's anything else that can stop this deal moving forward.

There's only left for me to thank you for being always there for us and for trying to resolve everything in a professional and friendly manner. Have a well deserved rest this weekend, my good friend. I will do for sure, this week has been so stressful for me. And what's coming next isn't going to be any easier. I have a terrible, terrible amount of very complicated work ahead. So excited about my dream coming true in the next few weeks.

I am thankful and humble in front of God today.

Your partner in business and faith,

He doesn't seem to care much.

From: Lad James
To: Terry
BCC: Terry
Subject: LOAN UPDATE
Date: 31/05/2020 17:11
Terry,
how you doing and how is family i got your mail and it was well noted. I wait to hear from you as soon as possible to proceed. God be with us.

Shalom,

Lad James.

So, after the weekend good news come and he's prompted to wake up and take action

From: Terry
To: Lad James
Subject: Re: LOAN UPDATE
Date: 02/06/2020 20:13
Dear Mr. Lad,

How are you today and how was your Pentecost my good friend?

I am excited to inform the Committee has released official approval for this operation so we have now green lights to go ahead and move this forward. I was expecting you to guide us through the next steps but I suppose they involve providing our corporate bank account details so the funds can be transferred there?

Regarding the first payment of $ 2,896.82, from my little understanding of these matters it should be made on July 1st taking into account the funds will be made available during this month of June.

Wishing you a blessed week ahead.
Your partner in faith and business,

If this is all he's asking for after all the handwritten document drama then we're good

From: Lad James
To: Terry
BCC: Terry
Subject: LOAN UPDATE.
Date: 03/06/2020 00:07
Terry,
My friend and brother in Christ how are you doing and how is family i hope all is well? .

I got your mail and content was well noted. I want you to know that am happy to hear this news from you because i was waiting to hear from you before i proceed further with the next step which you ask on your mail. I want you to be inform that what you need to quickly do now is provide your banking information in the format below so we can start processing your loan and please i repeat please make sure that this period you will always be online to reply to us because definitely if this banking details is receive today i believe by Friday the transfer will be completed into your banking account depending on how constant you are online with us to provide require and necessary information to proceed for processing of the funds.

Further more the first monthly repayment will be July at the exactly date you receive the loan in your bank account. Therefore all you have to do now is provide your banking details now so we can star processing and update you on next steps .

PROVIDE YOUR BANK INFORMATION IN THE FORMAT BELOW.

Bank Name:........................................
Bank Address:.......................................
Account Holder Name:.....................................
Account Number......................................
Type of Account : ...........................................
Swift Code Or Routing :................................
Valid House Address Of Applicant Terry ........................

Await your swift response to proceed with loan transfer processing .
God Bless You.
Regards
Mr Lad James

Lad Financial Services.

Email: Ladfinancial@gmail.com
Tel: +48221530978

The home address request was somehow overlooked. But all is fine other than that.

From: Terry
To: Lad James
Subject: Re: LOAN UPDATE.
Date: 03/06/2020 18:40
Dear Mr. Lad,

Everything is fine here and how is your good family today my old friend? I am excited to see this dream coming true so soon. Friday is just around the corner! Please, I don't want you to feel obligated to getting this deal finished by Friday. We both know successful business is never made in a rush. A few days delay is nothing compared to the risk of a potential fatal mistake in this operation. I believe you understand and agree with this.

I will always stay online for you to reach me and enable us both to push this deal forward as one. This is the information I got from the bank account:

Bank Name: Bank of America
Bank Address: <address>
Account Holder Name: Terry Studios
Account Number: <number>
Type of Account: Business Advantage Checking Account
SWIFT Code: BOFAUS3N
Wire Transfer Routing Number: 026009593

I am still trying to get my travel arrangements to Europe sorted out. By the Grace of God this June business travel to Europe will be possible even if only to a few countries. Because there is still a high degree of uncertainty, it is a very time consuming and exhausting whole lot of work.
But I definitely plan to be able to travel this June and visit at least the UK and France locations we had been looking into. Meanwhile, I am awaiting your instructions on how to proceed, or the next steps you're going to take if action is only required on your end.

God is smiling down on us - I am smiling back right up.

Your partner in business and faith,

So, this is what this pig has been waiting to send all this time.

From: Lad James
To: Terry
BCC: Terry
Subject: LOAN PROCESSING ORIGINATION FEE PAYMENT GET BACK ON TIME.
Date: 03/06/2020 21:47
My Friend Terry,

I got your mail i want you to know that everything is fine too here. And finally am happy that the devil has been putting into shames. I believe that once you get this loan it will make our friendship strong and stronger i know for sure that God bring us together as friends for good reasons God never fails he always join good people together and i fully trust you to repay back the loan on time as you have promise Psalm 126:2–3 Our mouths were filled with laughter,our tongues with songs of joy. Then it was said among the nations, The Lord has done great things for them.The Lord has done great things for us and we are filled with joy. (New International Version).

Remember i have promise/told you i will give you best and fast of my services which you totally have nothing to worry about therefore i have proceed with the processing of the funds immediately as i got your banking details i have send to my account department for processing.

What i need from you right now is the Origination fee of $1780 USD as stated and agreed to enable us proceed processing of the loan transfer into your banking account.

Be inform that you are to send this payment through western union money transfer either online or Walmart to my name and information details below once its done send the scan attach western union slip for confirmation or send the details as requested below.

Please be inform when sending the payment through western union money transfer you are to split into two by sending it $890 per go and another $890 which makes it total of $1780 hope you understand my friend you to share the money into to and send $890 and also $890 at same time the reasons is sometimes western union have limits for sending depends on the country any way for there not to be problem picking it up you have to share the $1780 into two part and send once done you provide me the Two Money Transfer Control Numbers as it is stated below.

Receivers First Name: Lad
Receivers Last Name: James.
Receivers Country: Poland.
Receivers State: Warsaw.
Address: 763 Okopowa Warsaw, Poland.

Once you have made the payment to my name what you need to do is send the below following information you use in making the payment and scan attach copy of the payment slip.

Money Transfer Control Number ( MTCN) :
Sender Name Use in Sending Funds:
Sender Country:
Sender State:

I therefore i wait your origination fee payment to proceed processing of loan for transfer .

Shalom,

Lad James.

Lad Financial Services.

Email: Ladfinancial@gmail.com
Tel: +48221530978

Western Union eh? Because I am half deaf and have never used that I'll ask my accountant - with which this pig already had had a few kind of unpleasant exchanges - to sort this out. They'll both be happy to talk again.

NB: Curiously enough it would seem this pig is actually really in Poland, and for some reason he's going to pick this Westy with his scamming name. The address points to not much else than a graveyard in Warsa. What do you think? Fake ID card? Confident nothing's ever going to happen to him? A very realiable/involved mule they've based the scam company name on?

Scamaranga
Roadside Gala Seller

When I was a boy I was brought up in a circus...

Posts: 76

Ongoing straight bait - Loan Scam Jun 8, 2020 22:02:30 GMT headshotlv likes this

Post by Scamaranga on Jun 8, 2020 22:02:30 GMT

So, a few days have passed and things have started to slowly move forward.

A bit of reassurement regarding the fee:

From: Terry
To: Scammer
Subject: Re: LOAN PROCESSING ORIGINATION FEE PAYMENT GET BACK ON TIME.
Date: 04/06/2020 17:20
Dear Mr. Scammer,

Thanks for providing the information on how to proceed. If I remember correctly this upfront payment was already taken into account in the proposal that was sent to the Committee and therefore the amount should have been made available for immediate release by them provided it matches what was specified in the documentation.

I am not so sure about the possibility of paying this amount through the channels you mention though. I don't think we've used any of these before to pay any of our providers. I never handle this kind of issues myself.

Mr. Bean our accountant should be able to help us with this. You still have his email address my old friend? I will send him an email to update him on the situation and will also demand his total commitment and maximum collaboration. Please email him too so he will understand the urgency of the matter.

Your partner in business and faith,

He doesn't seem too happy to have to talk to my accountant

From: Scammer
To: Terry
BCC: Terry
Subject: Re: LOAN PROCESSING ORIGINATION FEE PAYMENT GET BACK ON TIME..
Date: 04/06/2020 18:01
Terry,
I got your mail and content was well noted. Please note Mr Bean is your accountant therefore you are the one permitted to give him instructions to proceed with the payment immediately as you know the urgency of the payment to enable us here proceed with the processing of funds as am waiting accordingly with the payment so i can proceed get back to me as soon as possible remember i told you to always be online so all steps can be completed accordingly for transfer. Waiting to hear from you

Shalom,

Scammer James.

A bit of background story, it'll make a good excuse later for passing the buck just in case - God forbid - something goes wrong. Also, why doesn't he seem to like my accountant?

From: Terry
To: Scammer
Subject: Re: LOAN PROCESSING ORIGINATION FEE PAYMENT GET BACK ON TIME..
Date: 05/06/2020 01:42
Dear Scammer,

I am always glad to read from you my old friend and how was your day? Mine has been fairly horrible, my old back pains came back all of a sudden and I had to remain most of the day lying on the bed in unbearable pain. My lovely wife has been reminding me of this Psalm today, it has helped me get through the day: "My mind and my body may grow weak, but God is my strength; he is all I ever need." (Psalm 73:26)

I have updated Mr. Bean with the information you provided in your last email. Did something unpleasant happen between you two my good friend? He didn't seem too enthusiastic about working together with you once again.
You can be totally honest with me here regarding this.

I always like to be updated and in the front line of any circumstance that may affect business in any way. Human relationships are complicated, and if certain things don't come out right from the start they can really rot and handicap a social or business partnership from within without anyone noticing. If there's anything I can do for you both to smooth things down just let me know.

Mr. Bean has got the last email with your preferred method of payment and promised he'd update both of us as soon as he checked the availability of the amount for this expense.

God Almighty bless us with His Grace.
Your partner in business and faith,

Scammer blessings always make me feel better. Btw he may be right there, could my accountant know something my main character doesn't know? Mmm, perhaps! Scammer in a hurry is also good news

From: Scammer
To: Terry
BCC: Terry
Subject: Re: LOAN PROCESSING ORIGINATION FEE PAYMENT GET BACK ON TIME....
Date: 05/06/2020 12:02
Terry,

I got your mail and how is your back pains i believe it has relief you now i prayed for you and i know nothing is difficult for God to handle in this mail to you now i want you to receive healing now in every part of your body that you are having any pains its over that is what God is saying today all pains is gone.. ( AMEN) . Deuteronomy 31:8 Do not be afraid or discouraged, for the LORD will personally go ahead of you. He will be with you; he will neither fail you nor abandon you. Talking about Mr Bean i have no issues with him at all God sees my heart that its pure maybe he is not comfortable with me or having something in his mind that has not been said out all the same if i have wrong him in any were am sorry my apologies.

I want you to know that today is Friday and this payment is expected to be done today so everything can be prepare and next week the transfer can be 100% completed into your bank account provided .

I wait now on your fast positive response so we can proceed as this is causing us delays for next steps.

God bless you,

Shalom

Scammer James.

Genuinely forgot to send this to him on Friday, went out a few hours ago.

From: James Bean
To: Scammer
Subject: Your fee payment
Date: 08/06/2020 19:51
Mr. Trent asked me last week to check with the Committee on the status of preparations for the Loan initial disbursement. He forwarded me one of your emails talking about Walmart and Western Union as money transfer services.

I assume there has been some kind of mistake? I don't know about Poland but business isn't made over here with walmart western union or whatever. Those are meant for personal use like when someone has family abroad and sends them money, or to send a gift to someone on the other side of the world. It is a terribly insecure, untraceable and unprofessional method of payment.

The funds for this fee are ready for release, but they'll only go from bank account to bank account. They are definitely not going to anyone's pocket to go to Western Union and send because it would be a serious and blatant violation of financial transparency and could get whoever took that money in serious trouble with management and even the law.

Send your international bank account details for the wire transfer as soon as you read this email.

And here it is 6 weeks later the first really good thing I hear about this scum.

From: Scammer
To: James Bean
BCC: James Bean
Subject: Payment Slip Confirmation Copy Get Back Now Acordingly
Date: 08/06/2020 22:28
I got your mail and content was well noted. As per you request for the wire deposit for the require amount of $1780 below is the banking information for the payment you are to make it express so it can reflect fast once the payment is made provide me the scan attach copy of the payment slip now to use to verify the payment.

HERE IS THE BANKING INFORMATION FOR THE PAYMENT.

Account Name : SAMUEL <snip>.
Bank Name : ING Bank
Account number: PL 81 <snip> 6111.
BIC SWIFT: INGBPLPW.
Bank address : <bank real address>, Poland.

please confirm the information and send me the payment slip once the payment has been done according to the information given to you and let me know how long it will take for the money to reflect into the account.

waiting the payment verification slip now.

Mr Scammer James.

And then he updated me. Good boy.

From: Scammer
To: Terry
BCC: Terry
Subject: Re: LOAN PROCESSING ORIGINATION FEE PAYMENT GET BACK ON TIME.................
Date: 08/06/2020 22:57
Hello Terry,

How are you doing today my friend ? I got mail from Mr Bean today regarding the payment which he requested for an account for the payment of $1780 immediately i want you to know that i just send him the account for the payment now and i hope this will be done as soon as possible today so i can make other arrangement for the processing of funds into your banking account which was provided.

Am sending you this mail to update you too .

I wait for the payment confirmation slip to proceed.

Shalom,

Scammer James.

I will try and find an old BoA transfer slip GIMP file I had somewhere in my drive. When he pushes for WU again my accountant may well reveal whatever he knows and perhaps try to cut a deal with the scammer.

Scamaranga
Roadside Gala Seller

When I was a boy I was brought up in a circus...

Posts: 76

Ongoing straight bait - Loan Scam Jun 11, 2020 0:27:52 GMT

Post by Scamaranga on Jun 11, 2020 0:27:52 GMT

We know bank transfers always take a few days before they go through... to bounce back later. Also, maybe a bank transfer for a loan processing fee with another loaner other than them wasn't the best possible idea. The bank manager may be a bit overzealous with security measures.

Winning a bit of time and hinting something may be happening:

From: Terry
To: Scammer
Subject: Re: LOAN PROCESSING ORIGINATION FEE PAYMENT GET BACK ON TIME.................
Date: 10/06/2020 01:08
Dear Mr. Scammer,

Thanks for keeping me updated, and how are you doing today?

I am happy to inform you that the wire transfer should be going out today.
I got an email earlier today from the bank manager, who turns out to be a close friend of mine, and he did seem worried about this. I had to give him my explicit consent and go-ahead for this operation, and asked a lot of questions about your company. I will check out the operation details with Mr. Bean to make sure the bank got every piece of information correctly.

Mr. Bean has also been updating me with his progress and I'm glad you both are collaborating closely and professionally to get this operation moving forward. Thanks to both of you, and good job.

Please let me know if there's anything else I can help you with regarding the arrangements. My good friend, by the end of this week we'll be closing a deal with another provider for an important part of the loan fund, which will have to be satisfied before the end of this month. So please make any necessary arrangements on your end so there will not be any last minute surprises or delays beyond that point.

"For with God nothing shall be impossible" (Luke 1:37)

Your partner in business and faith,

Count on me, transfer slip, bible verse, blah blah blah:

From: Scammer
To: Terry
BCC: Terry
Subject: LOAN PROCESSING ORIGINATION FEE PAYMENT GET BACK ON TIME.................,..
Date: 10/06/2020 11:19
Terry,

I got your mail and content was well noted stating the wire transfer will be going out Tuesday but have not receive the confirmation slip of the payment yet.

First i want you to be inform that on my side everything is going well on the processing issue and preparation of transfer we are just waiting for the payment to carry out the necessary process and make the wire transfer of the loan into your banking account provided.

Remember i told you i shall give you best of my services so we can do more businesses together count on me. There is nothing like last minute surprises or delays on my side i have told you many times all that is needed to finalize everything is the payment and the loan transactions will be completed.

Please note once the payment of the $1780 has been done send me the confirmation transfer slip to confirm payment also advice how long it will take the payment to reflect on the account.

I hope to hear from you soon so we can proceed loan processing.

John 14:1 “Let not your hearts be troubled. Believe in God; believe also in me.

Shalom

Scammer James.

He gathers the courage to write to my accountant:

From: Scammer
To: James Bean
BCC: James Bean
Subject: PAYMENT UPDATE
Date: 10/06/2020 22:18
Hello James Bean,

How are you doing today ? Am writing you to know what is the status of everything as you requested for an account for the payment which has been send to you 2 days ago and until now i have not heard from you regarding the wire transfer and the confirmation slip of payment .

I hope to hear from you .

Regards,

Mr Scammer James.

I can't be bothered with small details, and he'll have to deal with my accountant like it or not:

From: Terry
To: Scammer
Subject: Re: LOAN PROCESSING ORIGINATION FEE PAYMENT GET BACK ON TIME.................,..
Date: 10/06/2020 23:18
Dear Mr. Scammer,

I am always glad to read your email and always value your excellent service leading this business together with me.

Nevertheless, and I hope you will understand, my good friend, I can't keep using my time to bridge conversations between you and Mr. Bean. The small details regarding this issue concern you both more than me. He told me yesterday the payment had already been taken care of. Didn't he get back to you?

I will email him just once more to tell him about the slip you mention and ask about how long it will take for the payment to reflect into your account. From my little knowledge about these matters, international money transfers can take a few working days.

These are very busy days for me and, as much as I'd like to, I can't really keep track of every little detail or play middle man in a conversation between two professional and reliable businessmen. Not only because of my busy schedule but because I do forget things with all this stress and would hate being responsible for any mistake or delay for not being able to pay sufficient attention to details I don't know about.

I appreciate your knowledge on the Holy Scripture, my good brother in Christ, and also enjoy learning and thinking about the passages you quote. Let me share this one with you today:

"Be strong and take heart, all you who hope in the Lord" - Psalm 31:24

Your partner in business and faith,

Try to read this 4 line long sentence he replied - I'll spare the hassle: yada yada yada slip yada yada delay - no bible verse this time

From: Scammer
To: Terry
BCC: Terry
Subject: LOAN PROCESSING ORIGINATION FEE PAYMENT GET BACK ON TIME.................,.....
Date: 11/06/2020 00:00
Terry,

I receive your mail and it was well noted. I hope your day is going well ? Any way i thought the loan funds was needed urgently before that's the reasons i have to make every arrangements down hoping the payment will come in early to proceed further steps now its taking much longer time than expected i send email too to Mr Bean few hours ago asking for the status of the payment and the confirmation slip of payment also to know how long it will take but he have not reply to me yet on the confirmation transfer payment slip. If he said the payment has been taken care of then he need to provide me with full details the wire transfer payment slip and know how long it will take to be in the above account that is his job i guess.

I hope you both get back to me on time with the payment because this delay is not good on my side at this point also remember i talk about being online with me once its getting to transfer processing .

I hope to hear from you .

Shalom

Scammer James.

My accountant explains what happened at the bank. Wonder what will they tell him tomorrow about our old friend when he goes back to get The Slip.

From: James Bean
To: Scammer
Subject: Re: PAYMENT UPDATE
Date: 11/06/2020 01:54
I went down to the bank yesterday to make the transfer. You can imagine they were not happy at all when they found out it was for a loan processing fee. The manager there was difficult and asked all sorts of questions I couldn't understand about you. If you want to know they told me, long story short, to be very careful who we're doing business with. I guess they were just pissed off big time. After all it's like you're eating off their plate under their nose.
Our conversation didn't have a nice ending. I will go back there tomorrow to try and get the slip. They were vague about the time they would take to process the transfer because of some security checks they saw fit but in my experience international wire transfers usually take 3-5 business days at most to go through.
And ffs, don't make me look lazy or incompetent in the eyes of Mr.Terry again, he just sent me a pushy angry email that in short you were complaining about me not replying back to you. I was pissed yesterday after the bank experience and didn't feel like writing email - especially to you.
Plus there was really nothing to tell you, and there still isn't. I'm explaining all this irrelevant shit to you just because Mr.Terry asked me to.

That crooked bank manager may be trying to kill his account. Wicked wicked man.

Accountant may also end up piecing things together and go rogue on Mr. Terry and the scammer at some point.

I already have a Bank of America wire transfer pic ready, played a bit today with GIMP and got something to send. If it works I'll share the .xcf template in the toolkit/resources post.

Scamaranga
Roadside Gala Seller

When I was a boy I was brought up in a circus...

Posts: 76

Ongoing straight bait - Loan Scam Jun 11, 2020 8:38:35 GMT Admin and headshotlv like this

Post by Scamaranga on Jun 11, 2020 8:38:35 GMT

He isn't happy

From: Scammer
Subject: Re: PAYMENT UPDATE..
Date: 11/06/2020 08:27
James Bean,
I got your mail and it was well noted. I thought you were professional accountant or business man my question what concerns the bank with such questions to who you sending money to does it means your company have no privacy i believe as an accountant you have handles so many transaction in the past for your company so why all those stress for everything to go smoothly so we can get this whole thing completed . Am not surprise any way you dont seems to like me in any ways main even reading your mails tells everything.

Thanks for updating me

Regards,

Scammer James.

Not only that, he is also a dirty snitch and a drama lover

From: Scammer
Subject: Payement Mails Update
Date: 11/06/2020 09:19
Terry,

I want you to know that Bean wrote me on Wednesday and am too disappointed with his email my question to you my friend Terry is this how Mr Bean has been handling businesses in your company ? Is this how he talks to people in rude manners any way it might seems good to you. He talks any how so far all his mail to me has not be matured for example below is the email he send to me Wednesday he made it clear to me on the email you ask him to explain to me in order words he was not even ready to update me regarding the payment and slip am not surprise any way he never liked me but i repeat i have no issues with him i forgive him for everything and i hope he forgive me too if i ever wrong him. A professional accountant who can not take care of wire transfer for days is a disgrace given different reasons what concerns the bank and who you sending the money to does it means your company have no privacy in businesses ?

On Tue, Jun 9, 2020 this was your mail to me I am happy to inform you that the wire transfer should be going out today. I got an email earlier today from the bank manager, who turns out to be a close friend of mine, and he did seem worried about this. I had to give him my explicit consent and go-ahead for this operation, and asked a lot of questions about your company. I will check out the operation details with Mr. Bean to make sure the bank got every piece of information correctly.

On Wed, Jun 10, 2020 I can't keep using my time to bridge conversations between you and Mr. Bean. The small details regarding this issue concern you both more than me. He told me yesterday the payment had already been taken care of. Didn't he get back to you?.

( He told me yesterday the payment had already been taken care of ) Mr Bean Word or mail to you i guess. (Well done Sherlock)

BELOW IS BEAN EMAIL TO ME

..........................

Wed, Jun 10, 2020:

I went down to the bank yesterday to make the transfer. You can imagine they were not happy at all when they found out it was for a loan processing fee. The manager there was difficult and asked all sorts of questions I couldn't understand about you. If you want to know they told me, long story short, to be very careful who we're doing business with. I guess they were just pissed off big time. After all it's like you're eating off their plate under their nose.

Our conversation didn't have a nice ending. I will go back there tomorrow to try and get the slip. They were vague about the time they would take to process the transfer because of some security checks they saw fit but in my experience international wire transfers usually take 3-5 business days at most to go through.

And ffs, don't make me look lazy or incompetent in the eyes of Mr.Terry again, he just sent me a pushy angry email that in short you were complaining about me not replying back to you. I was pissed yesterday after the bank experience and didn't feel like writing email - especially to you. Plus there was really nothing to tell you, and there still isn't. I'm explaining all this irrelevant shit to you just because Mr.Terry asked me to.

Shalom ,
Mr Scammer James.

Ahhh, a pissed scammer, always good news. Of course the Bank asked for a reason for the transfer. It's even in the slip he'll be getting today. A bank manager protecting his lifetime client's interests - and killing his bank account in the meantime - shouldn't be that surprising either.

Hold on to your hat, Mr. Scammer!

Scamaranga
Roadside Gala Seller

When I was a boy I was brought up in a circus...

Posts: 76

Ongoing straight bait - Loan Scam Jun 11, 2020 17:22:09 GMT

Post by Scamaranga on Jun 11, 2020 17:22:09 GMT

I reply today in total shock for the information he revealed but also let him see there's nothing much to complain about:

From: Terry
To: Scammer
Subject: Re: LOAN PROCESSING ORIGINATION FEE PAYMENT GET BACK ON TIME.................,..
Date: 11/06/2020 19:17
Dear Mr Scammer,

I am still in shock after reading your last email. I just can not believe Mr. Bean used that language with a valued business associate such as yourself. Reading how he talked about me in his email without me knowing has made me feel very sad and disappointed, with a fellow coworker and a Christian who I trusted completely.

There are also a few things in that email he didn't tell me about, such as how things were difficult at the bank and how he got questioned there. I understand the people BoA may be upset because we're not taking the loan from them directly, and that must be the reason why the bank manager emailed me on that day to request explicit confirmation of the transfer. That email you copied is a valuable piece of information Mr. Bean hid away from me, even if I can't and don't need to have all the details. I can't thank you enough for forwarding it back to me, my good friend.

Regarding the transfer, I can't see anything in his email that hints the transfer was not actually made. I will command him to go back to the bank today and get the slip you need to start processing the loan funds while the amount goes through and hits your accounts.

On another note, Mr. Bean's behavior was completely uncalled for, and you can rest assured he will be getting a severe warning for that. I don't expect receiving another complaint email from either of you. I am a very busy man these days and you are both professional and grown up business men, so please let's work together and do business as such.

Let me share with you today a bible passage about peace. We should always have the Lord's Word in our thoughts, especially during trying times:

"Deceit is in the hearts of those who plot evil, but those who promote peace have joy" (Proverbs 12:20).
God let us have only joy in our lives. Amen.

Your partner in business and faith,

Later today Mr. Bean will go to the bank and get the slip. Maybe someone will tell him the terrible terrible truth. See how Mr. Scammer copies that to me.

Last Edit: Jun 11, 2020 17:22:40 GMT by Scamaranga

Scamaranga
Roadside Gala Seller

When I was a boy I was brought up in a circus...

Posts: 76

Ongoing straight bait - Loan Scam Jun 12, 2020 10:17:12 GMT

Post by Scamaranga on Jun 12, 2020 10:17:12 GMT

He is impatient

From: Scammer
Subject: Waiting Payment Confirmation Slip.
Date: 11/06/2020 22:30
Terry,

How are you doing today my friend ?
I got your mail and content was well noted. I want you to know that am still waiting on the payment to be done and confirm from your side and also send the copy of the payment slip so we can wait the money to reflect in my account to start processing immediately .

i wait for the transfer confirmation payment transfer slip

Shalom,

Scammer James.

Later that day Mr. Bean after getting told off writes back very professionally. No big revelations for now, just keep the ball rolling and let him surrender more accounts

From: James Bean
To: Scammer
Subject: Re: PAYMENT UPDATE..
Date: 12/06/2020 00:28
Scammer James,

As per your request find attached in this email the slip you've been insistently, repeatedly and sickeningly requesting as of lately.
After a stressful trip to the branch the front desk clerk handed it over without any issues. Fortunately the bank manager that questioned and embarrassed me the other day wasn't there today so I have been able to go home without further stress and embarrassment.

Their answer to when would it reflect in the destination account was, I quote "International bank transfers can take up to 3 or 5 working days depending on the degree of affinity of the banks involved and different security checks". I already knew and told you this before but thought you'd appreciate me asking it to a complete stranger and repeating it back to you from them because according to you I am a disgrace and a nobody so my expertise isn't reliable and can't be taken into account.

We appreciate one of our most valuable business associates and always strive to provide excellent service. If this proof doesn't diminish the distrust and negative general vibe you seem to enjoy having in this our outstanding business deal let us know and we will do our best to make you feel comfortable and cared after.

Sincerely,

Doesn't take long before he replies

From: Scammer
To: James Bean
BCC: James Bean
Subject: PAYMENT UPDATE.........
Date: 12/06/2020 01:00
James Bean,
I got the scan attached slip of the payment first i will like to say sorry for every stress you know this is business and every step we taking we need to be very sure to avoid problem thats the reason i requested for the payment confirmation slip and i believe you understands too. I understand it will take 3 to 5 days to reflect in my account . As soon as i get the money in my account i shall email immediately to notify you too.

Regards,

Mr Scammer James.

And updates me also.

From: Scammer
Subject: Payment Slip Receive
Date: 12/06/2020 01:09
Terry,

I got mail from Mr Bean regarding the payment attached slip copy which he have send to me now on the slip to my notice seems the transfer was done on 6/9/2020 you can also confirm that from your account therefore i have to wait 3 to 5 days according to Mr Bean for the funds to reflect in my account i shall keep you update once the payment is receive so i can proceed immediately with the necessary process to complete the processing of loan and transfer direct to your account provided too.

Shalom,

Scammer James.

May have to be reminded today to stop bothering me with small details.

Scamaranga
Roadside Gala Seller

When I was a boy I was brought up in a circus...

Posts: 76

Ongoing straight bait - Loan Scam Jun 12, 2020 22:43:39 GMT

Post by Scamaranga on Jun 12, 2020 22:43:39 GMT

He definitely is impatient. Sent the same email to both just a bit ago:

From: Scammer
To: Terry
BCC: Terry
Subject: STATUS OF PAYMENT VERIFY NOW
Date: 12/06/2020 23:31
Terry,

How are you doing ?
I want you to know that i showed your payment slip to my bank today and it was clear that the payment was send on 9th of June 2020 according to my bank international transfer takes 3 to 5 working days today mark 3 days and i got the payment slip late from Mr Bean which makes me confuse about the payment. I need you to verify very well if the $1780 has been debited from your company account ? You are to answer that question now also can you call or email your bank to know the status of the wire transfer how long more it will take as its 3 days today.? confirm this from your bank now because here in Poland once we make international transfer at most is 3 days so my bank was confuse about this when i got there today to verify the payment. Here in Poland when it comes to financial issues its been taken serious by our authorities and banks they need every confirmations from the receiver and the sender side so you are to confirm from your side now the status and let them know its 3 days now i wait to hear from you.

Shalom,

Scammer James.

From: Scammer
To: James Bean
BCC: James Bean
Subject: STATUS OF PAYMENT VERIFY NOW
Date: 12/06/2020 23:33
I want you to know that i showed your payment slip to my bank today and it was clear that the payment was send on 9th of June 2020 according to my bank international transfer takes 3 to 5 working days today mark 3 days and i got the payment slip late from you Mr Bean which makes me confuse about the payment. I need you to verify very well if the $1780 has been debited from your company account ? You are to answer that question now also can you call or email your bank to know the status of the wire transfer how long more it will take as its 3 days today.? confirm this from your bank now because here in Poland once we make international transfer at most is 3 days so my bank was confuse about this when i got there today to verify the payment. Here in Poland when it comes to financial issues its been taken serious by our authorities and banks they need every confirmations from the receiver and the sender side so you are to confirm from your side now the status and let them know its 3 days now i wait to hear from you.

Scammer James.

I am always friendly but also start getting bothered by his emails buggering me with small details:

From: Terry
To: Scammer
Subject: Re: STATUS OF PAYMENT VERIFY NOW
Date: 13/06/2020 00:10
Dear Mr. Scammer,

Everything is good here my old friend, thanks for asking and how are things with you?

Mr. Bean just relayed me the email you sent him and I am surprised to see the contents are basically the same as the email I received.

Maybe I didn't stress it enough in my last email, but I hope you'll understand I'm exceedingly busy these days and can't really waste my time double checking every detail in the proceedings you and Mr. Bean are dealing with. I can't be on top of what you both are dealing with at any given moment in time. It is a waste of resources dedicating two people to doing one's work according to sensible business reason. He is not a junior employee and his salary is justified because he can take care of his own issues. If I had to supervise everything he's doing I'd just fire him and hire a junior fresh out-of-school intern. I know he's writing back to you as I write this email.

On top of that, and I'll hope you'll also understand, even if I wanted I wouldn't be able to check the company's account balance just like that. That is why we have a Financial Committee whose duty is to control company finances and report to the Board. Unfortunately due to some internal politics I was left out of the Committee back when it was constituted and have no direct control or power of decision over them.

My good friend, I think you're stressing too much. It speaks well of you as a businessman that takes his business seriously, but if I can leave a piece of advice it may be turning out to be counterproductive. I am certain we'll easily get over this.

Let me share this verse with you today hoping it will help you find peace of mind:

"Do not be anxious about anything, but in every situation, by prayer and petition, with thanksgiving, present your requests to God" (Philippians 4:6)

Your partner in business and faith,

Mr. Bean's reply isn't that friendly and encouraging:

From: James Bean
To: Scammer
Subject: Re: STATUS OF PAYMENT VERIFY NOW
Date: 13/06/2020 00:30
Scammer James,

What exactly makes you confused about the payment? The transfer was made on the 9th which is the day I went to the bank and got questioned and embarrassed by the bank manager. Next day I got your email and replied I'd be going back the day after to the bank to get the slip, which I did and then sent it to you. It is me who is confused about your apparent lack of interest in what has been happening the last 2 days.

Do I need to draw a timeline sketch of facts so you'll not be confused by them? I really don't understand.

To answer your question, and as you already know, I went to the bank yesterday and asked about the status of the wire transfer. Then told you what they said. Do you want me to go back again and ask about the same so I can be not only questioned and embarrassed again but also laughed at?

Again, I really don't understand what is going on through your mind with all this hurry and distrust. It is so negative. As you are acknowledging yourself international wire transfers can take up to 5 working days. Why are you worrying so much at day 3 and why should I go stress myself and the people at the bank at day 3 when at day 2 it was clearly said it would take up to 5 days?

Look, I will do one thing. I will open an Inquiry ticket to the Financial Committee so I can know the balance status and if the amount has already been debited from the account. This is a reasonable course of action in day 3 of 5.

Are you ok with that?

Too bad I don't read work email on weekends. Hopefully this will get him all cooked up and anxious for Monday.

Last Edit: Jun 12, 2020 22:43:56 GMT by Scamaranga

Scamaranga
Roadside Gala Seller

When I was a boy I was brought up in a circus...

Posts: 76

Ongoing straight bait - Loan Scam Jun 16, 2020 22:21:04 GMT

Post by Scamaranga on Jun 16, 2020 22:21:04 GMT

Scumbag seems to have started learning how this rolls.

He replied during the weekend:

From: Scammer
To: Terry
BCC: Terry
Subject: UPDATE
Date: 13/06/2020 10:55
Terry,
How are you doing and how is family and work ? I got your mail and content was well noted. I want you to know that everything is going well here when i get the money i shall update you as i start the processing of fund meanwhile also let me share this verses with you today .

Dear friends, let us love one another, for love comes from God.
Everyone who loves has been born of God and knows God. Whoever does not love does not know God, because God is love. This is how God showed his love among us: He sent his one and only Son into the world that we might live through him." (1 John 4:7-9).

Jesus replied, “What is impossible with man is possible with God. (
Luke 18:27 ).

Jesus Christ the same yesterday, and to day, and for ever. ( Hebrews 13:8 ).

Happy weekend to you my friend.

Shalom ,

Mr Scammer James.

And to my accountant

From: Scammer
To: James Bean
BCC: James Bean
Subject: UPDATE,
Date: 13/06/2020 11:24
James Bean,
I got your mail and content was well noted. First i will like to say sorry for every stress you going through on this process i believe your company and mine appreciates your efforts and good works.
Secondly am not in any hurry at all the reasons i mail you is to update you from my side because i believe it will be nice hearing from each other every day in every steps we take thats why i sent that mail to you yesterday to notify you on my side. Any way let wait till day 5 and shall also notify you too .

Regards,

Mr Scammer James.

Monday went without any email so today he emailed back

From: Scammer
To: Terry
BCC: Terry
Subject: Origination Payment Notice
Date: 16/06/2020 15:29
Terry,

How is family and work? I guess everything is fine with you there? Sorry for disturbing you my friend i know you are very busy this days as you make it very clear severally on emails to me .
I just want to notify you that today makes it 5 days of the Origination Payment of $1780 which until now have not been receive in the account . Also i called my bank to check on this and they told me no incoming or pending wire transfer seen on my account status funny anyway because whenever i makes international transfer does not seems to take such long time at most 3 days. I know i will be refer to talk with Mr James Bean the reliable and trusted accountant but first i want you to be inform because you contacted me on the loan request so any steps or thing i want to discuss with your company i must first let you know.

My friend you have to contact your bank i dont know who need to give the instructions in your company they need to verify if the transfer was successful or not and provide with proof . Secondly if it was not successful with reasons then i think i shall provide to you account in USA to use for this payment which i believe it will reflect immediately.

The only question is why does BOA wire transfer delays or too slow ? As i have receive international transfer from wells Fargo Bank USA but not as slow and delay like BOA. They need to be questioned as you are customers it fully means they not satisfying their customers .with such poor services let them explain and let us know why this whole delays and when will the funds receive it been done accordingly .

I hope to hear from you soon.

Shalom,

Scammer James.

And another one to my accountant with a nice offer

From: Scammer
To: James Bean
BCC: James Bean
Subject: Wire Transfer Status
Date: 16/06/2020 15:46
James Bean,
How are you doing and how is work ? I want you to be inform that today makes it 5 days for the payment of $1780 which was made i called my bank to confirm status of it in my account and i was told there is no incoming or pending wire transfer on my account status. Nothing is going through my mind anyway and i dont mean to be in a hurry and distrust or negative about this wire transfer. You are an accountant am not to teach you your job because right now i believe you know what to do since i have giving you the current update as its day 5 of the wire transfer . If there is issues on the wire transfer internationally to Poland let me know i shall provide you account in the USA to make payment which will reflect same day. You know the right thing to do as an account i wait to hear from you.

Scammer James.

My empty reply

From: Terry
To: Scammer
Subject: Re: Origination Payment Notice
Date: 16/06/2020 22:45
Dear Mr. Scammer,

Thanks for your email and how are you doing today my good friend? You are right things are terribly busy here and even if I only had the time to skim through your email I think your general message has gotten through.

I really don't know what is the status of the transfer, but Mr. Bean also updated me last week that he would request authorization to the Committee to access the company account in order to clarify what is happening with this transfer. I can't pay full attention to his emails either but I'm sure you both together will sort this out in the best and fastest way possible.

Our success is guaranteed by the Grace of God Almighty.

Your partner in business and faith,

He replies back before a few hours pass so my accountant can answer :

From: Scammer
To: Terry
BCC: Terry
Subject: Re: Origination Payment Notice......
Date: 16/06/2020 23:55
Terry,
I got your mail and it was well noted. Any way i see nothing wrong for the company to contact their bank to know why the payment send for business has not been receive its some how confusing to me if i make transfer and it did not go through at the appropriate time its my duty to contact my bank and any other body responsible to sort things out and make sure everything is fine any way i believe Mr James Bean is an account and can get all this fixed as everything is on his hand now .
Waiting to proceed processing funds.

Scammer James.

And my accountant's reply a bit later

From: James Bean
To: Scammer
Subject: Re: Wire Transfer Status
Date: 17/06/2020 00:09
Scammer James,

I requested access to the company account balance last week and today I can confirm the fee amount was subtracted from it on June the 10th and reinstated back on June the 12th.

I have ringed the bank to ask about what happened and they said the transfer bounced back. They were kind of reserved, and vaguely mentioned security reasons or that's what I understood. They added they would only give more details in a face to face talk in their branch. I will send someone over there or go myself tomorrow to have full details on what happened.

This is totally unacceptable and I am certain the issue is not on our end or even the bank because we're making transfers everyday to different stateside providers. Have you double checked your account details and status? All this is indeed inusual and definitely something abnormal is affecting this transfer.

Making the transfer to a US account instead would probably make things a lot faster and easier. If I receive the details before going back down to the bank again I will bring them with me to wire the amount after we clarify what happened there.

Waiting for that US account :rubs hands:

Scamaranga
Roadside Gala Seller

When I was a boy I was brought up in a circus...

Posts: 76

Ongoing straight bait - Loan Scam Jun 17, 2020 12:55:55 GMT

Post by Scamaranga on Jun 17, 2020 12:55:55 GMT

His reply (just in) goes very nicely with how I wanted this to play out. Didn't really want the bank manager to spill the beans... yet.

From: Scammer
Subject: Wire Transfer Payment Of $1780 USD Information
Date: 17/06/2020 14:39
James Bean,

How are you doing and how is work ? I receive your mail and content was well noted. Like i knew something went wrong on the wire transfer because i do transfers every week and such has never happen that is the reason i was surprise and email you asking to check on the status or company account last week to know what happen and now you see i was right.

Am happy we are both joining hands together to make everything successful so i can proceed with the processing of funds.

Below is the account you are to use now for the payment please note very well go to a different branch were you will not be stress i beg you ignore the bank manager words because i know you are also angry with him on what he said to you last time just avoid him go to bank make your wire transfer and leave with the payment confirmation slip which you need to attach and send to me .Some times its not good to listen too much on such people to avoid been insulted by their words i hope you understands what i mean because i was very sorry and disappointed the last time you said they talk to you in a very bad manner and the conversation did not ends well.

You are an accountant of the company and i believe you know the right thing to do because i dont want you to go through stress today i want this to be easy for you as i know you are trying so much for all this to be completed.

Note: on purpose of payment on wire transfer slip i will advice you on this to write ( Business Expansion ) i hope you understand the reasons is because i know your bank are not happy just as you said last time applying for loan in other company so i believe they foolishly stop the transfer you did on the 9th June 2020 they were not happy therefore on purpose of payment should be ( Business Expansion ) Any i know you can handle that you know what exactly to write to enable this be successful as we dont need delays of payment and much stress on this today.

HERE IS THE ACCOUNT TO USE FOR PAYMENT.

Bank Name: BBVA

Account Number: 676<snip>

Name: <snip> Paul-<snip>

Routing Number : 113010547

Address: 4161 Farm to Market 1960 Rd W, Houston, TX 77068.

Once you complete the wire transfer confirm how many minutes or hours this will take and also send me copy of the wire transfer slip now for confirmation/verification.

once again thank for your understanding,

waiting the payment slip scan copy.

Scammer James.

And of course he updates me (lovely having him doing double work):

From: Scammer
Subject: Payment Notice/Update
Date: 17/06/2020 14:51
Terry,

How are you doing and how is work my friend ? I hope you are having time to rest as i know you are busy this days ? I want you to be inform that me and Mr James Bean is working on this to make everything fine just want to notify you on the status of things i was told the transfer made subtracted from it on June the 10th and reinstated back on June the 12th.It bounce back and i have re-send him account to use for payment and information on it therefore be inform too i believe giving update on any step taking is more important in business that is what i just did now ..

Am waiting for Mr Bean make the wire transfer now to the account i have provided and provide me the confirmation slip.

hope to hear from you soon.

Shalom,

Mr Scammer James

Scamaranga
Roadside Gala Seller

When I was a boy I was brought up in a circus...

Posts: 76

Ongoing straight bait - Loan Scam Jun 18, 2020 0:16:26 GMT headshotlv likes this

Post by Scamaranga on Jun 18, 2020 0:16:26 GMT

He is growing impatient. He resent the same exact email to my accountant 10 hours later and won't be happy with this reply.

From: James Bean
To: Scammer
Subject: Wire Transfer Payment Of $1780 USD Information
Date: 18/06/2020 02:01

Scammer James,

I read your email just as I was about to leave for the local bank office. The thought of having to go there and speak to that horrible manager has had me worried and did even affect my sleep the last few nights. I'll be happy to go to find another branch to go to.

As you know this Friday is Juneteenth Freedom Day, and we are allowed time off by the Studios. And we are not the only ones, many offices and stores including banks will be preventively closing their doors until Monday given the current ambient on the streets with the riots and protests. As a matter of fact, things are already starting to get interesting here in the streets.

As a black and proud man I will be taking that privilege and joining my brothers and sisters in their rightful demands. I will update you and Mr. Terry as soon as there is an update to report.

Shout with me, my brother: "BLACK LIVES MATTER!"
_{Inserted big high resolution BLM logo}

On Monday I'll probably go to another branch and they'll maybe request authorization or just forward the transfer to my branch, because this is a Business Advantage Checking Account and only the branch it belongs to can authorize/operate with it.

Last Edit: Jun 18, 2020 11:08:27 GMT by Scamaranga

Scamaranga
Roadside Gala Seller

When I was a boy I was brought up in a circus...

Posts: 76

Ongoing straight bait - Loan Scam Jun 18, 2020 22:48:42 GMT headshotlv likes this

Post by Scamaranga on Jun 18, 2020 22:48:42 GMT

He is not happy

From: Scammer
Subject: Re: Wire Transfer Payment Of $1780 USD Information...
Date: 18/06/2020 23:44
James Bean,
I got your mail and content was well noted. When ever you people are ready with the payment for the processing of funds get back to me.

Mr Scammer James

I hate it when they start with this pathetic self-pitiful attitude, makes me want to slap them in the face until their ears ring.

From: Scammer
To: Terry
BCC: Terry
Date: 18/06/2020 23:49
Terry ,

I receive mail from James Bean yesterday and i want you to know that i have done my best which i have promise you from the start it seems you people are not very in need of the loan as you have started and i have spend so much time making every plans on the loan but now every one is giving excuse of busy and not been able to go to bank branch to make payment to proceed and it really look as if am forcing you people any way when ever you ready get back to me .

SHALOM.

Scammer James.

So he had an encouraging reply

From: Terry
To: Scammer
Subject: Re:
Date: 19/06/2020 00:35
Dear Mr. Scammer,

Thanks for your email and how was your day and how is your family? Mr. Bean always keeps me updated. He sent me an email yesterday asking for the rest of the week off for Juneteenth. We don't usually give time off like this but he has been under heavy stress lately and I thought he deserved some appreciation.

Just hope he isn't mixing with the wrong kind of people in the protests. The last thing we need is him getting himself arrested or injured for some silly reason.

My old friend, I find the bitterness in your words disturbing and worrying. We are counting on this loan by the first week of July so there's still two full weeks ahead. There's no point or need to be in this kind of mood. I would never let all the time and work we've invested in this deal go down the drain so easily.

This is business, nobody is forcing nobody into doing anything, and nobody is giving excuses. As you will probably know most of the businesses here will be closed until next week, including essential services such as grocery stores or bank offices. Reality is not an excuse, but a circumstance, and even if we don't like it we have to live with it and always be happy and grateful with what God Almighty has planned for us every single day, because it is all for our own good.

May this verse inspire you and uplift your spirits today: "And we know that in all things God works for the good of those who love him, who have been called according to his purpose" - Romans 8:28 Amen.

Your partner in business and faith,

Scamaranga
Roadside Gala Seller

When I was a boy I was brought up in a circus...

Posts: 76

Ongoing straight bait - Loan Scam Jun 22, 2020 23:57:39 GMT

Post by Scamaranga on Jun 22, 2020 23:57:39 GMT

It wasn't long before he replied. Punctuation marks aren't this guy's best friend apparently.

From: Scammer
To: Terry
BCC: Terry
Subject: Loan Origination Fee,
Date: 19/06/2020 16:38
Terry,

I got your mail and content was well noted. I want you to know that i understand very well there will be holiday today Friday 19 June 2020 over there .

Understand my reasons for the email i send to you yesterday here in Poland once we are processing funds/loans we dont waste much time due to documents of proceeding transfer of loan thats the reason am always very positive when you ask of how long it will take on my side to complete the loan transfer because am very sure on my side but on your side what i have notice so far you are not sure or positive seems your services in the United State is very slow sorry i talk like that its what have notice because i like keep people words and work with time giving to me by applicants too.

On your side you have to try to keep to your words especially giving order on Mr James Bean to meet up with this payment Monday morning so i will be able to make everything successful here because the require unit have promise them 2 times now of coming to meet up with requirement and have fail them i dont like it too understand what i mean my friend i want you to make sure Monday morning all this on the payment is done and completed and the slip is attached and send to me so i can just fix the require things for the processing of the loan .

i hope to hear from you soon.

Shalom,

Scammer James.

After the weekend he sends this with yet another bank account. Last minute bank account detail changes set an always very welcome precedent.

From: Scammer
To: James Bean
BCC: James Bean
Subject: ACCOUNT DETAILS TO USE FOR PAYMENT OF $1780 ( MONDAY 22/6/2020 )
Date: 22/06/2020 17:10
Hello James Bean,
How are you doing and how did your protest goes last week ?? i want you to be inform that this is the new account you will have to use for the payment of the $1780 note that you are to go to a different branch as we have talked and make the payment once this payment is been done send me confirmation of the payment scan slip copy. i hope to hear from you soon now.

Bank Name: Chase bank

Name: EgXXXX EdoXXXXXX

Account Number: 56073XXXX

Routing Number: 111000614

Swift Code: CHASUSU3XXX

Bank Address: 3751 Matlock Rd, Arlington, TX 76015

Holders Address: <fake address> Arlington, TX 76015

Waiting to hear from you ,

Regards,

Mr Scammer James.

Of course also copies me

From: Scammer
To: Terry
BCC: Terry
Subject: INFORMATION TO USE FOR PAYMENT .
Date: 22/06/2020 17:18
Terry,
How are doing and how is family hope you are fine? I want you to know that here is the banking details to use for the payment of the $1780 once its done send the scan attach copy of the payment slip for verification of payment ASAP.

Bank Name: Chase bank

Name: EgXXXX EdoXXXXXX

Account Number: 56073XXXX

Routing Number: 111000614

Swift Code: CHASUSU3XXX

Bank Address: 3751 Matlock Rd, Arlington, TX 76015

Holders Address: <fake address> Arlington, TX 76015

Shalom,

Scammer James.

My empty reply basically asking him wtf do you want me to do with this + leave me alone.

From: Terry
To: Scammer
Subject: Re: INFORMATION TO USE FOR PAYMENT .
Date: 22/06/2020 20:37
Dear Mr. Scammer,

How are you doing today my good friend and how are things out there? Thanks for updating me in your email. From what I read on the news Europe is opening their internal borders this week, and the cornovirus situation is getting better everyday there.

Everything seems to be going according to plan by God's Grace. The expansion of the Studios to Europe will very soon be a reality.

Is there anything I should do with these details? I hope you emailed them to Mr. Bean too, if I recall correctly he was going out to a bank office today to settle this matter once and for all.

Your partner in business and faith,

He likes replying fast and writing a lot. 164 words, 0 punctuation marks.

From: Scammer
To: Terry
BCC: Terry
Subject: INFORMATION TO USE FOR PAYMENT ...
Date: 22/06/2020 21:43
Terry,
I receive your email and content was well noted. Sure things are going on well each and every day here all praise and glory to God almighty for his mercy on us. The reason i send you the account details is for you to make sure you also notify Mr Bean about it too i dont want any issues, delays too on this payment today which Mr Bean said he will be going to the bank today to send as the unit on the processing send an email to me today too regarding the processing of the funds therefore i want you to update Mr Bean and inform him to go now and make the payment with this account i give to you i also send it to him too once done send the scan attach copy slip of payment to me now i hold your words on this again today waiting for the payment slip to settle this matter once and for all today as you have stated i hold you word.

Shalom,

Scammer James.

At last, Mr. Bean gets back to him with not-so-good news.

From: James Bean
To: Scammer
Subject: Re: ACCOUNT DETAILS TO USE FOR PAYMENT OF $1780 ( MONDAY 22/6/2020 )
Date: 23/06/2020 01:40
Scammer James,

I've been all day roaming around town looking for a different branch that would be open. Finally found one down on <neighborhood>. I had never been there before, and the office was nothing like the main branches.

I got your email with the last minute bank account change by a hair's breadth. I printed and showed them to the lady there then told her the last account you sent is the one I wanted the transfer to go to. She nodded, stapled them together and told me that because the account is a Business Advantage Checking Account and not just a regular personal checking account, all operations especially those involving transfers to accounts belonging to a different bank had to be authorised by the branch the account belongs to which is the <another neighborhood> branch.

It is their internal security policy to prevent money laundering practices, concealment of assets and other fraudulent activities. She told me they would contact either me personally or our bank account holder tomorrow to confirm the details. Because the transfer is to a U.S. account they confirmed once everything was set it wouldn't take more than 10 minutes to go through.

Just so I know, because I may be asked tomorrow, who is EhXXX EduXXXXXX? Who is Paul XXXX? And why the sudden change in the bank account? Why use multiple personal bank accounts to receive this money, and not a single, business one with the loan firm name on it? And please don't mind me asking the following, or take any offence. Are you sure this isn't a money laundering scheme or part of any other fraudulent activity? If it is, I need to know. If I'm going to commit a crime, and I'm not saying have anything against it, I'd rather know it and talk real business. You can be honest with me.

Scamaranga
Roadside Gala Seller

When I was a boy I was brought up in a circus...

Posts: 76

Ongoing straight bait - Loan Scam Jun 23, 2020 9:32:10 GMT

Post by Scamaranga on Jun 23, 2020 9:32:10 GMT

He replied within a few minutes. Already pushing for going back to WU

From: Scammer
Subject: ACCOUNT DETAILS TO USE FOR PAYMENT OF $1780 ( MONDAY 22/6/2020 ).
Date: 23/06/2020 02:04
James Bean, I got your mail and be inform the transfer needs to go into the account of EhoXX EdusXXXXXX . if they ask why multiple account simple tell them it was a mistake .Also asking if this is legitimate I want you to know 100% Yes i don't just know why this delay keeps continue everyday thus is not my first time to deal with international transfers and i told you purpose should be for business not for you to state loan purpose on the slip locally it will not be accepted . I have told you people to use the fastest means western union money transfer direct to Poland but you don't want to listen this don't not require questioning you told me its for friends and family but my international applicant uses Western union money transfer to pay monthly loan repayment each months without having issues i just want to make sure you don't go through any stress no no no. Well tomorrow if they allow the transfer it should go to the account of EhoXX EdusXXXXXX and send me proof scan copy of the payment slip.

Scamaranga
Roadside Gala Seller

When I was a boy I was brought up in a circus...

Posts: 76

Ongoing straight bait - Loan Scam Jun 25, 2020 11:18:49 GMT headshotlv likes this

Post by Scamaranga on Jun 25, 2020 11:18:49 GMT

So, another nothing-really-happened update. Not even 2 months in for this bait yet and looks like he's already starting to give up.

He resent the same crap to Mr. Bean half a day later. His whining starts getting boring

From: Scammer
To: Terry
BCC: Terry
Subject: LOAN UPDATE 23/6/2020
Date: 23/06/2020 23:39
Terry,
How are you doing today my friend ?? I hope businesses are going well over there with you ? i still have not receive the payment and the confirmation slip of payment until now i guess there is still another problem because its always one problem and the other over there once its payment time . I want you to confirm to me the payment confirmation slip and update now.

Shalom,

Scammer James.

And more whining the day after

From: Scammer
To: James Bean
BCC: James Bean
Date: 24/06/2020 23:57
James Bean,
How are you doing today and how is work ? I have not heard from you until now what is the bad news again on the payment ?? or is there real payment slip to verify your payment ? i wait to hear from you now.

Scammer James.

Of course the bank manager found out what was going on. Explaining why his accounts may be dying in case he wonders.

From: James Bean
To: Scammer
Subject: Re:
Date: 25/06/2020 01:22
Scammer James,

The bad news again on the payment is we didn't get a call from the branch I went to on Monday to make the transfer, and that when I went there today the lady told me that our main branch manager, after he knew I went to another branch to attempt the same transfer they wanted to talk about, he gave order to place a hold on any outgoing transfers while it is being investigated for money laundering, asset concealment and fraud collaboration along with the ones you gave to me.

Is there anything you would like to explain?

I will try to put this simple so even you can understand. No money can go out of our corporate bank account now, because of you. As you can imagine this is going to be a big problem for us. Specifically for me. Shit will hit the fan soon unless I find a creative way to fix this fucking mess.

Mr.Terry is asking me every day about this loan, and he still doesn't know anything about all this fucking shit. The reason I'm telling you this is because I know you have a habit of bitching and snitching behind my back. Well trust me, doing this shit is not going to help you this time around, quite right the opposite. At this point you can be sure there is more into this for me than for you, and I am the first to be concerned about getting this sorted out.

I may have a plan to make all this go unnoticed.
Either it does, or my ass gets sacked.

And a friendly update a bit later

From: Terry
To: Scammer
Subject: Re: LOAN UPDATE 23/6/2020
Date: 25/06/2020 02:02
Dear Mr. Scammer,

Thanks for your updates my good friend. We are doing as well as we can here with the help of God. You will probably know there was an earthquake here in CA today. Fortunately it was way up north and only felt the shake a bit down here in town. Everyone is ok and there were no dead or injured people.

Apparently they had to evacuate hospitals up there and left some of the cornovirus patients behind because the area they are in is so restricted and provisional it isn't really prepared for these situations. God have Mercy on us, this could have been a real, real disaster.

I hope you will understand there is no slip, confirmation or anything I can or should update you with regarding anything to do with that payment. I am a disabled and sick man and can't go all around town as if I was a young and small errand boy. Besides, I really have enough on my plate as of now to start getting into details of things I am not an expert in.

Mr. Bean updates me every day too with his progress regarding the payment. Actually he just did send a brief update, and I know he's moving Heaven and Earth to close this small detail once and for all. All this issue doesn't take an inch of space in the worries department in my brain, and you shouldn't stress over it either. We are both in good hands.

Let me share this verse with you today my old friend. It has helped me cope with the stress of these days with the lockdown, the riots, the earthquake and everything that's been storming us lately. I pray to God it will help you as much as it has helped me.

"Therefore do not worry about tomorrow, for tomorrow will worry about itself. Each day has enough trouble of its own" - Matthew 6:34.

Your partner in business and faith,

Scamaranga
Roadside Gala Seller

When I was a boy I was brought up in a circus...

Posts: 76

Ongoing straight bait - Loan Scam Jun 30, 2020 8:14:06 GMT

Post by Scamaranga on Jun 30, 2020 8:14:06 GMT

He went silent for a few days and sent a couple of pathetic updates afterwards.

He has done better but also nice 152 word sentence without a single punctuation mark

From: Scammer
Subject: LOAN UPDATE
Date: 28/06/2020 17:38
Terry,

How are you doing and how is family ? I have not heard from you for some days now regarding the processing of loan and its so surprise nobody is updating me until now i want to know what really going on because its becoming child's play in my eyes thought this loan was seriously and urgently needed but the ways things are going on your side just keep me suspecting different things is runing into my mind sorry i have to sound this way because you not acting as a company that knows his right starting from your accountant alone it tells something different that not serious and reliable maybe that is how things is done there any way when i have the opportunity to visit the United State of America i will take my time to see how you run businesses there because on my notice is like services there are very slow you dont work with time too. Any way i hope to hear from you

Shalom,

Scammer James.

And his update to Mr. Bean the day after

From: Scammer
To: James Bean
BCC: James Bean
Date: 29/06/2020 23:03
Dear Accountant James Bean,

How have you been doing on your great job ? I have not heard from you for some days now and i believe it will be good idea for me to check on your dear reliable, fast and trusted accountant .

Regards,

Mr Scammer James.

Mr. Bean is not in the mood for his sense of humour

From: James Bean
To: Scammer
Subject: Re:
Date: 30/06/2020 00:43
Do you have anything to say about what I last told you Mr. Man?

I am in deep shit now because of you and your fucking fraudulent bank accounts and I'm about to get my ass sacked from this office. Hope you're happy. The Committee is on my neck and bringing too much stress to my life questioning about due payments to external providers already. Fuck, even company payroll can get affected by this fucking shit.

I'm trying in both your and my best interest to keep this just between the bank manager and me but if I can't provide solid evidence this week shit is going to hit the fan.

Do you have anything to say for yourself? Are you of any help apart from giving me the laughs with these pathetic mocking attempts?

Every man has his breaking point. Don't push me cause I'm close to the edge. I'm trying not to lose my head and think smart. Either you help or you're in the way.

Probably today I will write to him from my main character telling him Mr. Bean was found doing some dirty under-the-table businesses with the corporate bank accounts and he got effectively sacked. He would then be ready to start his dolla-chopping career.

Scamaranga
Roadside Gala Seller

When I was a boy I was brought up in a circus...

Posts: 76

Ongoing straight bait - Loan Scam Jul 1, 2020 0:28:03 GMT

Post by Scamaranga on Jul 1, 2020 0:28:03 GMT

Nothing yet from the scumbag, let's see how he reacts to this relevant update:

From: Terry
Subject: Re: LOAN UPDATE
Date: 01/07/2020 02:20
Good day Mr. Scammer,

I hope everything is well with you. I have to share some sad news with you today my old friend.

The Committee just announced the irrevocable and immediate termination of our coworker Mr. James Bean. The reason they're using is irregular management of the company account funds in association with criminal activities. This is, according to them, the only way to keep the company's name clean and show there is absolutely no relationship between whatever activities Mr. Bean was into and the company itself.

They found he had been diverting company funds for the last 6 months up for a total of around $40,000.00. The Studios are going through an unprecedented crisis right now. I have been appointed to assume executive power of the company on an interim basis until the crisis gets resolved.

I don't know what or why were you saying you think we don't need this loan, but believe me my friend, this loan is the only way to save my company at this point of time. I don't know what to think about Mr. Bean's updates about his dealings with you anymore but I'd appreciate it if you briefed me an executive summary of the current situation and next steps.

It is now one of my duties to handle this issue but with my little experience on the matter and my disability I don't know how we are going to be able to move this forward. I need your help my good friend.

Please, give me some hope today so I know we can be saved.
I know God has wanted to test my Faith again. It is strong. It will NOT falter.

Your partner in business and faith,

Mr. Bean will probably be going all rogue tomorrow and send him an email from his corporate account that should *not* be accessible to him anymore. Maybe turns out he had the IT system compromised and can still read and hack emails as he pleases. Oh my.

Scamaranga
Roadside Gala Seller

When I was a boy I was brought up in a circus...

Posts: 76

Ongoing straight bait - Loan Scam Jul 2, 2020 16:19:24 GMT

Post by Scamaranga on Jul 2, 2020 16:19:24 GMT

He is back in the game. And he's eager to write a lot.

From: Scammer
Subject: LOAN FINAL UPDATE
Date: 02/07/2020 09:17
Terry,
I dont have much to say if you really need this loan as you have stated then as you stating its now your duty to handle all this then all you need to do is to make this payment through western union money transfer you can do this in western union shop or at any Walmart in your area send the money through western union money transfer to the information below and get back to me with the western union payment slip for confirmation this will be given 48 hours to you to get this done and get back to me to proof that you are really serious and ready to get this loan because for over weeks we have been dealing with 1 particular issues till now many have gotten their loans and you applied earlier than those that have gotten their loan from my company if you wish to proceed below is the information to use for the origination payment dont ask me any other question all i want to see on your next mail is the payment and i can proceed from there if i get any questions then its clear you know what you doing and not serious in getting this loan for many weeks Bean have been playing games with me and and am not in the mood for any child's play i told you people before its a decision and not force so with due respect if you are very serious about getting this loan go directly now to your Walmart or western union shop and send the payment of the loan origination fee and on your next mail let it be the payment details confirmation slip i will proceed from there on the processing of transfer and we can move things further . <Damn he's looping!>

Please be inform when sending the payment through western union money transfer you are to split into two by sending it $890 per go and another $890 which makes it total of $1780 hope you understand my friend you to share the money into two and send $890 and also $890 at same time the reasons is sometimes western union have limits for sending depends on the country any way for there not to be problem picking it up you have to share the $1780 into two part and send once done you provide me the Two Money Transfer Control Numbers as it is stated below.

Receivers First Name: Scammer

Receivers Last Name: James.

Receivers Country: Poland.

Receivers State: Warsaw.

Address: 763 Okopowa Warsaw, Poland.

Once you have made the payment to my name what you need to do is send the below following information you use in making the payment and scan attach copy of the payment slip.

Money Transfer Control Number ( MTCN) :

Sender Name Use in Sending Funds:

Sender Country:

Sender State:

I therefore i wait your origination fee payment to proceed processing of loan for transfer .

Shalom,

Scammer James.

Scammer Financial Services.

Email: Scammerfinancial@gmail.com

Because I have a hearing disability my personal assistant Lenny may be helpful. Of course he will go to Moneygram instead of WU.

Mr. Bean will be saying hello to him later today.

Scamaranga
Roadside Gala Seller

When I was a boy I was brought up in a circus...

Posts: 76

Ongoing straight bait - Loan Scam Aug 17, 2020 8:57:10 GMT

Post by Scamaranga on Aug 17, 2020 8:57:10 GMT

After a vacational hiatus sent this to the scumbag to check on his will to keep playing:

From: Terry
To: Micky James
Subject: Re: LOAN FINAL UPDATE
Date: 12/08/2020 18:39
Dear Mr. Scammer,

May God let this email reach you in good health. As you may know, I have been away for a few weeks. I tested positive for the cornovirus early July and given my health condition I got rushed immediately to the hospital. My old friend, according to what doctors said I was very very close to meeting our Dear Lord in person. Thankfully He decided it was not the right time yet, praised be Him.

I have been recently discharged and looking through my inbox I am surprised there isn't any business or even friendly update at all from your side. Our senior associate assistant Mr. Leonard Bell has been managing the loan operation in my absence, didn't you hear from him?

Is everything fine on your side? I have been born again my good friend, life is beautiful.

May the Lord smile down on us,

He's the same as ever:

From: Micky James
To: Terry
BCC: Terry
Subject: LOAN FINAL UPDATE.
Date: 17/08/2020 09:31

Terry,

First i want to say thanks to God for good health and preservation and secondly i want to make this clear to you am a man of my words and i hate nonsense you or James has been playing this games with me for some months now i dont know what you guys are up to because i have never handle such business like this that look childish this one seems the worst of all and un-serious. Common loan origination fee of $1780 took months to deal with all with the help of your useless and manna-less accountant who knows his job very well that can not send western union money transfer, Ria Transfer, Money Gram or Bitcoin which is fastest means of funds transfer this days. seems your so called company still live in the old systems of practice in this new technology ages further more i have nothing more to say rather than if you or your company need this loan you have 2 option to make the payment either western union money transfer of bitcoin and i shall provide to you the details to proceed with payment so we can proceed .

God bless you,

Mr Scammer James.

Ahh, one great thing about this hobby, you can almost always stop for a few weeks then pick back up where you left.

Scamaranga
Roadside Gala Seller

When I was a boy I was brought up in a circus...

Posts: 76

Ongoing straight bait - Loan Scam Aug 18, 2020 17:13:11 GMT

Post by Scamaranga on Aug 18, 2020 17:13:11 GMT

I replied to him today:

Dear Mr. Micky,

How are you doing over there my old friend and how is your good family? It is great to hear from you again.

Mr. Bean disappointed us all, if you're complaining about a slight delay in a wire transfer, imagine how aggravated we should be taking into account he was caught with his fingers in the till. He had been diverting funds from the company account to his own for months taking advantage of the faith and confidence we had in his professionality and seriousness. Experts are still assessing the damage but they have given an estimate of around $50,000.00 diverted to multiple accounts under his control. He is fortunately now out of the equation and Justice will put him in his place.

As you will understand I haven't been able to keep up with the proceedings these last few weeks. And neither have you from what your email reads. Lenny Bell has updated me with the current situation, while I was in hospital and you were on your summer vacation he's been working on this operation together with your partner Mr. Mensah from the Africa branch. The $1,780.00 fee was paid weeks ago, and they're now dealing with the Fund Release Authorization document that needs the official signature by the lawyer Mr. Barrister there.

My good friend, the expenses so far with this loan operation are vastly exceeding the $1,780.00 planned initially. The amount itself is not a problem at all, but it would help with planning to know the exact amount in advance. That is why we asked for this precise information back when we started this deal.

The expansion to Europe has been officially postponed due to the pandemic situation, but we're still very much in need of this loan to recover from Mr. Bean's wicked deeds. Please, try to cut down on bureaucracy that leads only to delays when you talk to Mr. Mensah about his progress with us. We have been working together for a long time already and I'm sure we can skip some of the legal mumbo jumbo.

"Whoever does not love does not know God, because God is love" - 1 John 4:8

Love,

I don't think there's much left in this scumbag, maybe he'll want to talk to Lenny or claim a Moneygram Secure transfer.

Scamaranga
Roadside Gala Seller

When I was a boy I was brought up in a circus...

Posts: 76

Ongoing straight bait - Loan Scam Aug 19, 2020 21:16:11 GMT

Post by Scamaranga on Aug 19, 2020 21:16:11 GMT

He wasn't happy at all. Notice how he's adding a comma in the subject line every time.

From: Scammer
To: Terry
BCC: Terry
Subject: Re: LOAN FINAL UPDATE.,,
Date: 18/08/2020 20:51
Terry, you are very stupid dont ever email me again i notice you re one of those stupid scammers online who is Mr. Mensah have i ever told you i have any thing to do with Africa nonsense dont mail again

_{Maybe it's because of listening too much of Mr. P's audios but that you are very stupid line read and did sound in my mind veery African.}

Did he ask me to email him again? Thought he was gone already at this point.

From: Terry
To: Scammer
Subject: Re: LOAN FINAL UPDATE.,,
Date: 18/08/2020 22:38
Mr. Scammer,

Leonard Bell was contacted by Mr. Mensah, your business partner and chairman for the Africa branch of the company. They have been doing business together these last few weeks. I never said you told me anything about Africa, and was also surprised when Lenny explained about this.

Only so you understand, I just got discharged from hospital after 20 days at an intensive care unit. I wasn't allowed to even move from bed. One of the first things I did when I got back was to check on the loan status, and update you - even if you didn't bother sending a single friendly update for weeks - with the current situation just as I learnt about it, and what you give me in exchange is empty insults and nonsense accusations.

My old friend, I don't know what happened between you and Mr. Mensah and why you may be so angry, but please leave your customers out of it. It's giving a wrong impression about your business. I am ready to lead the operation again if you are also ready to work with me as men that we are. I know you are more mature than this.

"So watch yourselves. If your brother or sister sins against you, rebuke them; and if they repent, forgive them." - Luke 17:3

I forgive you.
Your brother in faith,

Typical lazy bastard kind of scammer reply:

From: Scammer
To: Terry
BCC: Terry
Subject: LOAN FINAL UPDATE.,,,
Date: 19/08/2020 08:28
All you are saying are stories and am mature i dont was to hear all those stories you have been telling me for very long time go direct to the point are you ready to send this payment through bitcoin or western union money transfer so we can get started with processing of loan if yes then get back to me let proceed dont come and tell me stories i dont want to hear am busy and have no time for any business delays

Last attempt to reel him back in:

From: Terry
To: Scammer
Subject: Re: LOAN FINAL UPDATE.,,,
Date: 19/08/2020 18:34
Mr. Scammer,

Stories? I don't know which world you're living in but if you consider reality is 'stories' and call yourself mature then you simply must be delusional. The way your emails read do not reflect the professionality and positive mindset of the business man - and dare I say friend - I used to know called Mr. Scammer James.

My friend, I am a patient, kind and generous man but if you keep rubbing me the wrong way you'll find out I can be a very different kind of person. I served my country fighting in the front line the first Gulf War and saw many friends die in front of my own eyes. Do not take me for granted.

I would appreciate it if you could use some manners, common sense business etiquette and consideration when addressing your clients. Just like you did before. As sad as it is that it has to be me the one saying this. Must be a cultural issue but Mr. Mensah seems to be far more polite and business oriented according to what Mr. Leonard thinks about him.

Now, take ownership of the situation and explain what you want me to do next. I can only explain to you the current state of matters. If this payment you are asking for is the $1,780.00 origination fee, I repeat this one and a few more were already sent with Moneygram to your business partner Mr. Mensah in Accra Ghana weeks ago by Mr. Leonard. And before talking about stories again, go and speak to him directly +1<LENNY> and get your facts checked.

If what you are trying to tell me is that the fees Lenny sent to Mr. Mensah are unreachable to you and they need to be resent then it is a different issue we need to discuss and address. But always with professionalism and with a business mindset, not the thug or gangster manners you seem to have been enjoying using against me in your last emails.

Grace and Peace,

He must be hating writing email to me right now

From: Scammer
To: Terry
BCC: Terry
Subject: Re: LOAN FINAL UPDATE.,,,,,.
Date: 19/08/2020 22:19
Terry,
I got your mail and content was well noted Please we i want to repeat this to you again i have no business associate in Africa and i have never inform you of any so therefore be inform that you contacted the wrong person and i believe from the day 1 you know am in Poland if you wish to proceed with this below is the western union information you are to use to make the payment and get back to me so we can go back to business and proceed you want.

Below is the name to use through western union money transfer to make payment and get back to me accordingly now to proceed now you are to splint the payment share it into two part $890 and $890 send accordingly provide the two MTCN.

Receivers First Name: Scammer

Receivers Last Name: James.

Receivers Country: Poland.

Receivers State: Warsaw.

Address: 763 Okopowa Warsaw, Poland.

Once you have made the payment to my name what you need to do is send the below following information you use in making the payment and scan attach copy of the payment slip.

Money Transfer Control Number ( MTCN) :

Sender Name Use in Sending Funds:

Sender Country:

Sender State:

I therefore i wait your origination fee payment to proceed processing of loan for transfer .

Shalom,

Scammer James.

Scammer Financial Services.

Email: Scammerfinancial@gmail.com

Same WU details he used the first time. And his WU receiver name matches his scammer name and email addy too. Address seems to be next to a cemetery and not much else in Warsaw. How is he receiving that dough in Poland with his scammer name?

Scamaranga
Roadside Gala Seller

When I was a boy I was brought up in a circus...

Posts: 76

Ongoing straight bait - Loan Scam Aug 24, 2020 9:20:44 GMT Admin and headshotlv like this

Post by Scamaranga on Aug 24, 2020 9:20:44 GMT

He apparently needed further clarification about what happened. Also setting up the moneygram transfer for next week (this was sent on Friday):

From: Terry
To: Scammer
Subject: Re: LOAN FINAL UPDATE.,,,,,.
Date: 21/08/2020 18:09
Mr. Scammer,

I'm glad you're talking like a real business man again.

I understand what you're saying but please let me also repeat I did not contact anyone. Mr. Leonard Bell our senior assistant was the one who was first contacted by Mr. Mensah with a loan offer and as I found out recently when he told him we were already dealing with you he said he was the chairman of your mother company in Ghana.

I have told Mr. Leonard to immediately stop and claim back all the payments he made to Mr. Mensah because I am beginning to suspect he made a terrible mistake. Next week he's going back to the Moneygram branch to try and claim the money back then send it to you. He will also be provided the necessary funds in case the original money can't be claimed back immediately.

He already has a copy of your email so he will have every detail at hand to make the transfer very easily and accurately.

Have a blessed weekend my good friend,

Then on Monday he sends this. He seems to like last minute changes, what could possibly go wrong?

From: Scammer
To: Terry
BCC: Terry
Subject: LOAN ORIGINATION FEE PAYMENT WESTERN UNION MONEY TRANSFER INFORMATION
Date: 24/08/2020 01:21
Terry,

I got your mil and content was well noted. I want you to know that this payment has to be send through western union money transfer to my name below BUT if you choose to send via money gram you are to use this this information of my branch officer for the payment i advice you send through western union money transfer to my name i n Poland and get back to me accordingly so we can proceed.

Below is the name to use through western union money transfer to make payment and get back to me accordingly now to proceed now you are to splint the payment share it into two part $890 and $890 send accordingly provide the two MTCN.

Receivers First Name: Scammer
Receivers Last Name: James.
Receivers Country: Poland.
Receivers State: Warsaw.
Address: 763 Okopowa Warsaw, Poland.

Once you have made the payment to my name what you need to do is send the below following information you use in making the payment and scan attach copy of the payment slip.

Money Transfer Control Number ( MTCN) :
Sender Name Use in Sending Funds:
Sender Country:
Sender State:

NOTE: if you choose to send through Money Gram here is the name and information o use.

Receivers Name :<Mule name>
Receivers Surname :<Mule surname>
Receivers State: kharkiv
Receivers Country: Ukraine.

i wait to hear from you to proceed now ASAP.

Of course when Lenny goes to Moneygram to claim back money sent first to Africa and then send it to eastern Europe instead he will be recommended a more secure payment system. One that will require the original receiver to call a certain phone number.

Last Edit: Aug 24, 2020 9:21:07 GMT by Scamaranga: typo

Admin Administrator Posts: 2,551	Ongoing straight bait - Loan Scam Aug 24, 2020 13:11:52 GMT Scamaranga likes this Select Post Deselect Post Link to Post Back to Top Post by Admin on Aug 24, 2020 13:11:52 GMT Kudos on a great time-wasting, frustration, and headache giving bait. I was quite sad to see poor Mr. Bean get the sack. "a habit of bitching and snitching" - Mr. Bean

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