Suresh Finance and the loan -- I got busted...I guess?

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Posted: Sat Dec 06, 2008 4:10 pm

This is a loan bait that was cut short as he thinks he busted me on here but he attached a link to a bait that had neither him or me in it. I have no idea what he was thinking but you can see at the end. Aug 11 to Sept 18.
The lad is from Nigeria (Abuja) according to the email headers.

On Aug 11 I received this in my catcher acct:

Suresh Finance was founded in Jan ,4th 1982 in Abuja, since then we have been able to offer out financing for new and expanding businesses. We have also purchased and build a new facility to equip our borrowers for their working capital. US Suresh Finance can work with your bank to provide a complete financing package for your new or growing business. At Suresh Finance , We have more than 500 passionate experts dedicated to getting you into the home of your dreams, and finding the right loan to save you thousands of dollars each year!We're recognized by VANGUARD as one of the "50 Best Companies to Work For" in Nigeria The Tiliney Business & Professional Association named us one of its "Top Ten Companies to Work For" Abuja . Suresh Finance in-house rock team, The Lending, took second place in Vanguard "Battle of the Corporate Bands 2007" In closed $1 billion in personal loans. We have more than 12 years of mortgage lending
experience.

We close loans in all over the world.
We can process your loan in 48hours. We have more than 150 loan programs, making it easy to choose the best fit for your situation. No matter what your schedule, we will come to you to sign final paperwork. Suresh Finance allows you to track your loan every step of the way, with email or phone alerts if you want them. A myth pervades our society that individuals who have filed bankruptcy or developed bad credit will never again obtain a personal loan, car loan or home mortgage. The truth is that even with the worst credit, even one day after bankruptcy, an individual with bad credit may still obtain a personal loan, a car loan or a home mortgage loan from us. We offer loan at low interest rate 3 percent per annum.
Short term and loan term loan from 1 to 60years term.
We offer a full range of Financial services,

We have a variety of different loans and products available. Use our FREE Instant On-Line Loan Prequalification application to learn how much you can afford before looking. We will also provide you with a Prequalification Certificate to take with you.
Our firm has recorded a lot of breakthroughs in the provision of first class financial services to our clients especially in the area of Loan syndication and capital provision for individuals and companies.

Our loans are well insured, for maximum security is our priority.

* Are you financially Squeezed?

* Do you seek funds to pay off credits and debts

* Do you seek finance to set up your own business?

* Are you in need of private or business loans for various purposes?

* Do you seek loans to carry out large projects

* Do you seek funding for various other processes?Contact us for more information and how to apply.

======================
Aug 11
I reply with:

Dear Sir,

I am estatic that you have contacted me. I am looking to start a
computer business here in Florida that would sell and repair laptops.
Because they are computer and electronic equipment, I need a lot of
start up capital. I am looking to start with $250,000 to get my
business going. I have used my own funds of $50,000 to buy a few
laptops to start but would be much better off with a larger inventory.
Do you have a website for your business I can apply on? I like very
much to do business that way as it is secure and very quick.

Please reply soonest,
Mr. Johnson T. Jones

=====================
Aug 13
What do you know, it’s under construction. Attached is a basic app.

Thank you very much for contact us. Well our website is under maintenance due to last month invation of hackers into our data base.

An application form is attached you hereby advised to fill and return immediatelly so that we can proceed urgently when do you intend geting the loan? Do you have a collateral ?

Thank you
Suresh Finance

=================
Aug 13
I of course attach a renamed .dll file.

Sir,

Thank you for getting in reply quickly. I have attached the loan form
below and look forward to doing business with you. Please reply
soonest with what next needs to be done.

However, I am concerned that you allowed hackers to access your
database. What can you assure me that this will not happen again so
they do not get my information? Please give me the website address as
soon as it is back up and running. I am sure your company does not
want it down for very long. You lose much business that way.

Mr. T.

==============
Aug 13
I may have used a weird extension on the renamed file and he replies:

Hello,

We received your email. But we could not download it.

print and scan in Jpeg formar or PDF

And get back to us with you id too.

Thank you
Suresh Finance

==================
AUG 14
What do you mean you are having problems? Attached is a ‘pdf’ of my passport and the loan form again.

I am not sure what the problem is, The file opens fine for me. I have
attached a pdf file of the loan application as well as the scan of my
passport also in pdf file. I have double checked to make sure the
file works to be opened. You will have no trouble getting them now.

Mr. T.

==================
AUG 15
He likes me!

Thank you for your effort.

It takes time to down in our extranet need work.

Please fill the below textial Application form.

Loan Application

Name:……………………………………………………………

Gender:……………………………………………………

Birthday……………………………

Marital status……………………………

Applicants Permanent address:………………………………………………………

Country:………………………………………………………………………………

Status:………………………………………………………………………………

ZIP:………………………………………………………………………

Telephone:…………………………………………

E-mail address:……………………………………… ..

Fill your credit information in the appropriate fields.

Loan Amount Needed………………………………………

Loan duration in years / months………………………………………

Loan Purpose……………………………………………………

Do you have any Next of Kin? Please type in the details

……………………………………………………………………………

Profession:………………………………………………………

Monthly Income Credit Score…………………………………………………………

Account Balance…………………………………………………

DECLEARATION:

I………………………………………………………………. Do hereby agree that the
information At the top of the application form is correct.

===================================================
AUG 18
Oops, maybe not…email was in bold

Error showing in your attach files. it was sent as an email attachment and was not correctly decoded.

Please refill the last form sent to you.

===========================
AUG 18
He is getting anxious, as I haven’t responded. Sent me a reminder email
AUG 25
I finally respond with his text form filled out so he can process my application.

====================
Aug 25
He is giving me the details of the loan.

Hello and thanks for the prompt follow up. Our interest rate would be 3% and you may decide to be repaying the loan either monthly, quarterly, or thereof.

We will Send you the contract tomorrow.

Below is the summary of the Repayment Schedule.

Loan Balance:
$25,000.00
Adjusted Loan Balance: $25,000.00
Loan Interest Rate: 3.00%

Loan Term: 6 years
Minimum Payment: $0.00

Monthly Loan Payment: $ 409.72
Number of Payments: 72

Cumulative Payments: $29,500
Total Interest Paid: $ 4,500

Thank you
Suresh Finance

==============
AUG 26
Now he wants me to sign a contract…geez he didn’t learn from earlier did he.

Attached it the contract document between Suresh Finance and Johnson.

You are advise to read carefully and sign.

We await you Bank details so that funds would be released after all necessary document has been reached.

Thank you
Suresh Finance

================
AUG 26
He is getting impatient and sends me a reminder
AUG 26
He gets tired of waiting and just sends me the info to make the payment

This is the details in which you will use in making payment via money gram.

Receivers Name; Philips Itohan
Address: 24, Garki Crescent, Presidential Villa, Port Harcourt, Nigeria.
Test Question: Aproval Code
Answer: 14Q4
Amount to be sent: $420

After have made the payment you advised to send the following details immediately.

Senders Name;
Adddress
Amount Sent.

Thank you
Park Kelly, (Head
For: Suresh Finance

NOTE: YOU CAN AS WELL PRINT THE LAST PAGE OF THE CONTRACT ONLY AND SIGN AND SEND TO US IMMEDIATELY.

=================
AUG 26
I play confused…but the contract really didn’t have a specific place to sign.

Suresh,

I don't understand. The contract has no where to sign. And there was
no place to put my account information. What should I do?

Mr. T.

==================
AUG 26
Pretty much right away he responds:

Print and sign the place provided to for you. A place to sign is on page 6 of the contract.

You can send you bank details seperately as earlier as today so it can be qued for transfer.

=============
AUG 27
I wait to answer and again he is impatient and sends a reminder email
AUG 27
I respond:
Suresh,

I must not have seen it on page 6. I am getting the contract filled
out and will attach it to an email for you soon.

Mr. T.
==========
AUG 27
Hey aren’t we supposed to be doing that instead of them???

He responds: ‘OK’

=================
On a separate email subject thread:
AUG 26
He requests my bank details much like he asked for my application details above.
AUG 27
I give him my bank details and play dumb again asking what an IBAN is.

The bank information as you have requested but I don't know what an
IBAN number is? Where can I find this number and what is it used for?

======================
AUG 27
He tells me not to worry about it.

Routing No. its ok. But this is the meaning: International Bank Account Number (IBAN) is an international standard for identifying bank accounts across national borders. But since you have provided Routine Number there is no problem we can proceed.

Thank you
Suresh Finance

===============
AUG 27
He again reminds me he is waiting for the signed contract.
AUG 28
He tries to call and gets the Florida phone company’s test line.

We tried the provided Phone number on your applications but it would not connect.

Whats the update.

Thank you
Suresh Finance

==============
AUG 28
Again a reminder that they are waiting for the signed contract.
AUG 28
It’s the phone company’s fault my phone doesn’t work. I gave him a pimped number hosted by Cedr1c. I also attach a writejunk Contract.pdf(124k)

Suresh,

Thank you for letting me know my phone number isn't working again. I
have had the Phone company out to my house 3 times this month because
this is an ongoing issue. Here is another more better number you can
reach me at 312-2332136. I don't know what timezone you are in so to
make it easier for you, the best time to reach me is 0900 - 1300 GMT.
Also, I have attached the completed contract to the email. Please
what is the next step?

Mr. T.

====================
AUG 28
In a separate email I guess they don’t care so much about the contract if I don’t and they want to be paid.

The next step is to have the confirmation that you have pay the charges by sending the below details as soon as possible.

This is the details in which you will use in making payment charged that has been stated in the contract via money gram.
PAYMENT DETAILS.
Receivers Name; Philips Itohan
Address: 24, Garki Crescent, Presidential Villa, Port Harcourt, Nigeria.
Test Question: Aproval Code
Answer: 14Q4
Amount to be sent: $420

After YOU have made the payment you are advised to send the following details immediately to us.

Senders Name;
Adddress:
Amount Sent.
Reference Code:

Thank you
Park Kelly, (Head
For: Suresh Finance

=====================
AUG 29
Not sure what he was talking about here…

Hello we are still wait for the confirmation to proceed.

Respond urgently
Thank you
Suresh Finance

====================
AUG 29
He attaches a Letter of Approval…guess they didn’t need that contract after all.

Suresh Finance
24, Garki Crescent, Presidential Villa, Port Harcourt, Nigeria +2348037458493
===================================================
LETTER OF APPROVAL
We wish to inform you that we have received your signed loan terms and
agreement, Our board of directors has decided to send this letter as your loan
has been approved by the board. . Suresh Arumuganthan the Executive
Chairman of the above Company
Suresh Finance
is hereby tendering this
letter of approval as decided by my board of directors.
Your approval information is as follows:
* Applicant's Name:
JOHNSON.T. JONES
* Loan Amount Approved: $25,000.00 USD
* Approval Number: SF/UK-NG/14Q4
In line with the governing rules of this company, you will be required to
contact the Accountant on the contact information below which you will be
required to send the approval information as your loan/funds information has
been forwarded to the account department for released/transfer.
Accountant's Contact Information:
* Name Of Accountant: Natasha Williams
* Email: [email protected]
You are hereby advised to contact the accountant on the information
provided above for the release and transfer of your loan as we will be
waiting to hear from you after the Transfer of your loan has been affected.
Thank you.
Suresh Finance

==================
AUG 30
I make the payment

Mr. Suresh,

I was able to get to the Money Gram office to send your payment Friday
evening. As you requested the details are below.

Receivers Name; Phillip Itohan
Address: 24, Garki Crescent, Presidential Villa, Port Harcourt, Nigeria.
Amount to be sent: $420
Reference number: 439782647

Mr. Johnson

==================
AUG 30
He comes right back with:

Please verify the Reference Number its not correct.

Thank you.
Suresh Finance

====================
AUG 30
He wants the receipt:

Hello and thank you for your response.

You are requested to send the payment slip in which you used in making the payment of the charges.

Thank you.
Suresh Finance

===================
SEPT 1
I delayed a bit and he is getting impatient.

Hello Mr. Jones,

We have sent you several emails regarding the payment you made to Suresh Finance and since then its all about brief silence from you we hope you are ok. Do you really need a loan? It does not seem to us that you are serious in getting loan from us. Make correction on the payment details and get back to us.

Please respond as soon as you get this mail.

Thank you.
Suresh Finance

=====================
SEPT 1
I respond that I transposed a few numbers in the MTCN and attach the receipt(373K).

Mr. Suresh,

I have looked at the receipt and I did mistake the number. the number
should be 493792647 instead of 439782647 as I originally thought. The
receipt is a little smudged and hard to read. I have attached the
receipt as you requested.

Mr. Jones

====================
SEPT 1
Looks like he went to the MG office! And sadly couldn’t open the doc again.

Could not open the document. !

In the Money gram Office, the agent told our accountant that the reference number is more than expected.

Attached the Document properly and send to us.

=================
SEPT 2
Oops, I didn’t know the length of ref numbers for MG so I just gave him 9. He calls me on it and is a bit accusatory.

Guarantor Required! we do not understand you. You are contradicting the transaction.

If you are not serious go ahead and pick your funds back from the MoneyGram office.

There is never in time when ref no. of moneygram is 9digits suits your self.

We have started having doubt about your competency of repaying our loan when receieved.

Call +2348037458493 to clearified.

Thank you
Suresh Finance

==================
SEPT 2
Wait! It’s not my fault! My new secretary is a cheat!

Mr. Suresh,

I must ask for your extreme patience while we clear things up on our
side. It seems that when I sent my new secretary to the money gram
office, she changed the receipt and it appears that in reality, made
up a receipt and changed the reference number to keep the transfer
from being taken. She then went back the next day and canceled the
transfer getting the funds back to her and thinking she could get away
with this cheat. I need a few days extra to find another $420 to send
as we are very low on funds at the moment, as we were expecting the
funds from the loan to be here. The police here are involved and
there is hope though that we can get the money back from her if she
did not spend it, but she is not talking and will not give it up.

This is an ugly mess and we are trying to work through it as quick as
we can. Please again for your patience.

Mr. Jones

================
SEPT 2
He still thinks I’m lying…how right he is.

How do we believe that you are not faking things.

Well, we await and we are also scared to give you loan. Proove your legitness.

Thank you
Suresh Finance

====================
SEPT 2
I lay the slap-down:

Suresh

I am disgusted that you attack me as you are. I am in need of your
loan to start my business and then you insult me and accuse me of
faking things? Why would I fake things when it is I that need your
loan to start my business and a delay by me would slow or eliminate
the chance of my business to start. I can not make you give me a loan
and I understand what I need to get things done. If you do not wish
to do business with me any longer I understand. I was made another
offer similar to yours and I will move in that direction if you do not
wish to give me more time to either try to recover the $420 stolen
from me or to raise the funds myself. I await your response.

Mr. Jones

====================
SEPT 3
He seems accepting…(Sent twice)

Am sorry if you feel insulted but you should know that the whole scene look somehow.

We are ready to give you loan. So make it real you will enjoy having us as your lender. Well, we have to extend the repay scheme for you since you did not meet with the stipulated time.

So we await the confirmation. Get a good secretary that would want your progress.

We are sorry once again.

Contact us as soon as you are ready.
Suresh Finance

====================
SEPT 4
He has appeased me.

Thank you. I am hoping that by Monday things will be looking up or
earlier. I will update you as things improve.

Mr. Jones.

====================
SEPT 4
He responds that he is standing by.
SEPT 6
I give him an update and try to get his bank details

Mr. Suresh,

The police have partially recovered my funds. They were not able to
get $117 as the theif had already spend that much. I have gathered an
extra $230 by this time and so am able to cover the lost funds. I
again have the $420 that you need. Would you like to do a direct Bank
to Bank Wire transfer this time where there can be no mistake? The
wire is much more secure of course and will go directly from my bank
account to yours with no trouble and very quickly. I awaits your
response.

Mr. Jones

==================
SEPT 7
He wants nothing to do with that.

I replying you from my house computer. Its better you go to the money gram office your self and do that. bank to bank transfer take much time to complete.

Anyway, use money gram and send the details to avoid delay.

Thank God you recover your funds.

Suresh Finance

===================
SEPT 8
Huh?

We wish to inform you that we would review the Horst Theinertstated on the contract so as to match with the date you receives the funds in your account.

Thank you
Suresh Finance

=====================
SEPT 10
He wants an update.
SEPT 10
I send him to M7CN S3cur3.

Dear Suresh,

I am very distressed at the moment. Over the weekend, my grandmother
got very sick and my sister, who has much money, bought me a plane
ticket to go visit her in the hospital. She is ok now and I am back
in Florida and ready to continue our business.

I have Money Grammed the funds online. The US has instituted a new
process to keep the reference number secure. You must go to this website
to get it yourself: http://m7cn. $ e c u r 3 .la
enter in the security code to start and then follow the directions you
see: 4900fedcd959d43f90acc7951d54fc85

Let me know when you have received your funds. If you have any
trouble, you can contact their support on the website directly.

I have included the email I got from the site for further review:

Dear MoneyGram(R) customer,

First, we would like to thank you for using MoneyGram(R). We are glad
you chose us for your money transfer needs. We would also like to
inform you that due to an increasing number of criminal scams from
overseas, we have decided to implement a security feature for all
transfers originating from your state. We are hopeful that this new
feature will help us reduce the likelihood of our services being used
by criminals to commit financial scams.

Please forward this email to your recipient. The recipient must visit
the following website to retrieve the MTCN number for your money
transfer. Currently, this is the only way to retrieve the MTCN. For
security purposes, if the MTCN has not been successfully retrieved
within 48 hours of transfer, the transfer will be canceled and money
returned to sender.

http://m7cn. $ e c u r e.la

Enter the following code to access your MTCN: 4900fedcd959d43f90acc7951d54fc85

We apologize for any inconvenience this may cause you, but at
MoneyGram(R), your security is our #1 concern.

Thank You,

T3rrenc1o Bapt1sta
Vice President - North America
MoneyGram Headquarters
PO Box 7224
New York, NY 10451
Tel: +1 (2O6) 9O5-9742

====================
SEPT 15
He is done, I get a scripted end note.

Dear
All of our efforts to settle the above matter amicably
have been unsuccessful. We have made numerous calls and,
to date, have not had the courtesy of a call back or mail. We
have delayed legal proceedings up to now based on your
assurances that that you needed the loan.

Please be advised that you have left us no alternative but
to decline the loan proceses immediately. We have attempted to be
understanding of your cash flow problems but our patience
has now reached an end.

Thank you
Suresh Finance

===================
SEPT 16
I try to get him back on the hook.

Mr. Suresh,

I have no idea what you are talking about. I have written to you
multiple times since the letter you quote in your email on Sept 2. I
have given you updates and sent in my payment. I have been waiting
for an update that you have collected the funds. Did you not receive
those emails? I have done everything you have asked and yes we did
have a cash flow problem but that was resolved relatively quickly and
the payment sent as soon as it was resolved. Please respond soonest.

Mr. Jones

===================
SEPT 16
He now plays dumb…and he wanted nothing to do with M7CN S3cur3…I think he got 1 box right and about 5 refreshes before he was done with that.

We did not receive any mail from you nor payment.

Thank you
Suresh Finance

==================
SEPT 17
Slaptime again. I remind him of what I have sent and tell him to get the payment. I attached a few emails of our correspondence to the end of this one.

Suresh,

You claim I never responded to you and am not being straight forward.
How much more straite forward can one be? Here are the emails I have
sent and YOUR correspondence in RESPONSE to it. How can you claim
that you never received email from me when you are responding to my
emails??? It is YOU that is not being serious about my predickament
and my need for the loan. As you can see, I have included the email
with the payment as the last one. This was on September 10. You
could have had the funds 7 days ago. The funds are still waiting for
you there. Please complete the transaction so I can get my loan.

Mr. Jones

=================
SEPT 18
He doesn’t care.

Further prooves needed.

Please you are advise to collect your funds paid by you to suresh Finance immediately.

Thank you.

Suresh Finance

=======================
SEPT 18
Looks like he called again and sent me some links. Is it debate time?

http://www.moneygram.com/MGICorp/PressReleaseNews/index.htm

http://moneygram.com/MGICorp/ContactUs/index.htm

Your contact number has a query.

Defend your self.

Thank you.
Suresh Finance

======================
SEPT 18
I give him a pretty basic response:

I don't know how much more there is to explain. The transfer is set,
you just need to get the reference number and collect the funds.
Please stop waisting time.

Mr. Jones

======================
SEPT 18
He just wants the MTCN.

Send the Transfer the code. You prompt us a site and there nothing we could do on the site to see the transfer code.

You send the details to us asap. When we receives the payment we would review the date of the contract and we shall commence transfer.

Thank you.
Suresh Finance

=======================
SEPT 18
It’s so easy a kid can do it!

Suresh,

I have been using that since they started useing the service 3 months
ago. I had my 6 year old daughter take care of getting the code
because she loves to use the computer. You just need to follow the
directions on the site. It is very simple. I don't have the transfer
code. THat is what the website is for. So the transfer is SECURE.
If my 6 year old can do this, I am confident you can as well. Please
just follow the directions on the site and get the code. Then we can
finally move on to completing things. The funds have been waiting for
you for over a week.

Mr. Jones

=======================
SEPT 18
He sent me the eater link below with the subject line Deemed! It’s not my bait, has nothing to do with him and I have no idea why he thinks this is relevant.

http://forum.419eater.com/forum/viewtopic.php?t=147032

=======================
SEPT 18
And for good measure, he threatens to send me off to the FBI:

This is information that we have decline every transaction process between you and suresh any further mails from you or your assigness would not be welcome.

Further, youare hereby advise to destroy any document received from suresh finance and if an only lead to an if ,we do receives or see our necessary document or mails disclosed we would not hesitate to contact the FBI to question you.

Thank you and God Bless.

Suresh Finance

He looked pretty done there so I left it as is. I should have poked him more to get the FBI threat but was kind of bored with him anyway. That is all. The end.

Posted: Tue Dec 09, 2008 4:38 pm

I wonder if m7cn $ecur3 has been compromised, because that is basically what the lad is saying by sending you that link to that thread..

Too bad there isn't a way to prevent the viewing of this forum from non-members.

Posted: Tue Dec 09, 2008 4:51 pm

Okay some pranksters have copied the real site and are having fun, not your fault.
Ask him for a bank account, which is the normal way you do business and he'll have his money in a week. Wink

Posted: Wed Dec 10, 2008 3:47 am

Casual,

If you look at the thread, it was dated less than a week before your lad found out. At the time, there were some unmasked references to S3cur3 in the thread. Google had already picked them up before the baiter masked them.

I would guess that your lad googled MTCN S3cur3 before that thread was dropped from the google matches, and he or his counterparts understood enough of the thread to realize it is a baiting tool.

Posted: Wed Dec 10, 2008 8:58 am

I wish I thought of that then Bill, that's a good idea. *filed away for future*

Thanks dorothy, I was really confused as to why I was outed. Never did look at the date or go past the first page. I just saw who posted it, the type of scam and the scammer. That makes a lot of sense now.

Dewey, from what the mods say, we don't mask all the forums (and esp this one) in case a real victim googles their scammer and winds up here.

Posted: Wed Dec 10, 2008 2:41 pm

Dewey- we want potential victims to be able to google and find scammer names and scripts--hopefully we that will save a few more people before they become victims. But when posted in an open forum (publish and main are both open, hints is behind a login), the baiter tools need to be l33ted (shipping companies, s3cur3, churches, etc.) or a lad can google the tools and discover he is being baited.

Posted: Fri Dec 12, 2008 3:23 am

Yeah, that's the other reason why I don't publish until my bait is over. So I don't have to l33t out the lad's name or worry that the lad'll find himself here and bust my bait. And it makes it easier for a victim to google my former lad and find him here. I just make sure to mask any baiting tool though anyway because many use them and I don't want to bust someone else...

Suresh Finance and the loan -- I got busted...I guess?	View next topic View previous topic