First (posted) bait: Internet Loan Scam

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Hello I'm New here! Joined: 11 Dec 2014 Posts: 6

Hi all, new guy here. I've been having fun reading some of the epic baits posted here.

I have 5-6 modest straight baits under my belt in the last month or so, and thought I'd share this one because it's been great fun watching how pissed this lad gets every time I screw up. It's an internet money lending scam I grabbed out of Surplus last month.

Good Guy: (me) Richard G. Schmegma (G. is for Gland)
Bad Guy: Mr. Olu Brown

First, my reply to the initial spam :

Quote:

Fri, Dec 19, 2014 at 10:02 AM

Mr Olu Brown,

Please tell me of your financial loans.

Thank you.

And we're off. Quickly :

Quote:

Fri, Dec 19, 2014 at 11:32 AM

Hello

We received your application about the loan and we want you to know that we offer our loan at low rate our loans are given at the interest rate of 3% apply now this can increase your business to a greater high.

WORLD-WIDE FINANCIAL LOAN SERVICE is a co-operate financial for real estate and any kinds of business financing. I also offer Loans to individuals, Firms and cooperate bodies at low interest rate of 3%, loan terms determinant Loan.

Are you a business man or woman? Are you in any financial mess or do you need funds to start up your own business? Do you need a student loan? Do you need loan to settle your debt or pay off your bills or start a nice business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks/other financial institutes?

Available Loans

*Personal Loans (Secure and Unsecured)
*Business Loans (Secure and Unsecured)
*Combination Loan
*Consolidation Loan And Many More

LOAN Key Benefits

*No guarantor required
*Faster processing.
*Minimum documentation
*Attractive rates of interest 3%
*Flexible repayment option of 1-30 YEARS

If you are interested in applying for a loan, do not hesitate to forward your application now to us via e-mail address or you can contact us.

We offer a loan within the range of a minimum amount of $1,000.00 US Dollars to Maximum of $50.Million. We deliver loan to our applicant within 12 hours of receiving your application form.

FILL AND SEND BACK THE LOAN APPLICATION FORM

First Name:
Last Name:
Gender:
Marital status:
Contact Address:
City:
Zip code:
Country:
Date of Birth:
Amount Needed as Loan:
Loan Duration:
Currency:
Monthly Income:
Yearly Income:
Occupation:
Purpose for Loan:
Phone:

Thanks
Mr Olu Brown

NOTICE TO RECIPIENT: If you are not the intended recipient of this e-mail, you are prohibited from sharing, copying, or otherwise using or disclosing its contents. If you have received this e-mail in error,please notify the sender immediately by reply e-mail and permanently delete this e-mail and any attachments without reading,forwarding or saving them.

So I "apply" for the loan. Note I declare I am a widower here, but thereafter I am married. He never noticed.

Quote:

Fri, Dec 19, 2014 at 3:10 PM
First Name: Richard
Last Name: Schmegma
Gender: Male
Marital status: Widower
Contact Address: <snipped>
City: Parma
Zip code: ****
Country: USA
Date of Birth: July 24
Amount Needed as Loan: $60,000
Loan Duration: as long as possible
Currency: Yes, or I will take check too
Monthly Income: $10,000
Yearly Income: $120,000
Occupation: Self-employed (I Make street transactions)
Purpose for Loan: Pay off street debts to prevent my personal bodily harm
Phone: <snipped (k47.net)>

Fortunately, I am approved, same day Very Happy

Quote:

Fri, Dec 19, 2014 at 6:22 PM

Dear Richard Schmegma

In acknowledgment to the receipt of your most recent email and on behalf of this loan company, I wish to inform you that having received your filled loan application form; we are willing to offer you your requested loan amount. But to accomplish this, you are to strictly adhere to our lending policies and also be in acceptance to our loan terms, conditions and repayment schedule before we can proceed on further correspondence regarding your loan process.
Below are the loan terms and Conditions which must be adhered to strictly before any further transactions can be considered.

I must make sure you understand the conditions for this loan , You are about to secure a loan from us, before we then proceed with the processing of the loan.

1. Time of duration: The borrower must pay back at the rate of 2% interest rate within the stipulated time (10 Years) after cashing the loan.

2. Transfer of the loan: The borrower/beneficiary must be responsible on how the transfer should be made, therefore the borrower/beneficiary will be responsible for the provision of the banking information's that the fund will be deposited into and in line with conventional loan policy, You MUST make a down payment of ($300) towards Transfer and Administrative /Legal Fees in tandem with standard foreign loan policies and regulations.

3. We do not accept part or lump sum payments unless it is in accordance with your right to settle the loan early in accordance with the Consumer Credit Act 1974.

4. Your loan application which already has conditional approval shall be fully approved within a 24 hour period upon your agreement with our Loan Terms, Condition and Repayment Schedule.

5.Required Age: The borrower must be the age above 18 years. And any age below 18 will be disqualified.

6.The company will pay for the tax and insurance fee the only fee you will pay is for the transfer of the loan and it will be paid to the bank that will transfer the loan.

COMPUTATION OF THE LOAN TERMS

Loan Amount needed : $60,000.00
Loan Interest Rate: 2%
Loan Term: 10 years
Monthly Loan Payment: $552.08
Number of Payments: 120
Total Interest Paid: $6,249.70

BANKING INFORMATION'S NEEDED

1. Bank Account Name:
2. Bank Name:
3. Bank Location:
4. Bank Account Number:
5. Routine Number:
6. Swift Code:
7. Tel:

<snipped a bunch of words>

Yeah, I don't do banks. I'm a street transaction type of guy, so:

Quote:

Fri, Dec 19, 2014 at 7:24 PM

Mr Olu,

I will be requiring cash or moneygram loan as I do not have bank account at this time. I can send you information where to send check or moneygram info depending on your response.

Thank you.

Well lucky me, he will western onion or money gram to me $60,000.

Quote:

Sat, Dec 20, 2014 at 2:05 AM

Thank you for the e-mail.

I want you to know that the loan will be sent to you via Money Gram. but you will have to pay for the cost of sending fees which is $300 so i want you to send me your information's on how to receive the loan and you will also tell me when you will be sending the $300 so that i can give you the payment details that you will use to send the payment.

Immediately the $300 is sent your loan funds will be sent to you with out any form of delay.

I await your urgent reply now
Mr Olu

And he sends me this so he can money gram the loan to me. Seems legit.

Quote:

Sat, Dec 20, 2014 at 7:52 AM

Hello

I understand all that you have said and i want you to know that the loan will be sent to your via Money Gram so i want you to send me the information's needed below.

Receiver's name:
Receiver's country:
Receiver's state:
Test question:
Test answer:

Once those information's is received i want you to know that you will have to pay for the sending fees which is $300 and the fees must be paid before the loan is transferred into your acct.

I await your urgent reply as soon as possible.
Thanks
Mr Olu

Great, so here's my details. But lets roll the fee into the loan so I don't have to out-of-pocket it okay?

Quote:

Sat, Dec 20, 2014 at 9:16 AM

Receiver's name: See application
Receiver's country: See application
Receiver's state: See Application
Test question: who
Test answer: you

I can only pay fee from monies loaned. So please change loan amount to $60,300. Upon receipt of moneygram I shall hereby promise to pay the "sending fees".

Nope lad no likey. He kiboshes that in 1 minute flat:

Quote:

Sat, Dec 20, 2014 at 9:17 AM

The fees must be paid before the loan is transferred

So we do some back and forth. Hopefully it was annoying and distracting since it went on over a few hours.

Quote:

Mon, Dec 22, 2014 at 10:48 AM me: How do I pay this Fee?
Mon, Dec 22, 2014 at 10:58 AM lad: It will be paid via western union
Mon, Dec 22, 2014 at 11:00 AM me: Is western union a bank? I don't think there is such a place near me.?
Mon, Dec 22, 2014 at 11:01 AM lad: Go and look for a western union once you find any one i will send u the information's that you will use to send the payment.
Mon, Dec 22, 2014 at 11:32 AMme: Ok I will get in my car and drive around and see if I can find a western union bank, which I have never seen in my town.
Mon, Dec 22, 2014 at 11:32 AM lad: ok
Mon, Dec 22, 2014 at 3:47 PM me: drove all over town all day long, and could not see a western union bank. I wasted all day, and spend $60 on gasoline. Maybe this bank is local only and not available in my town? Only bank of America and chase and pnc. So we have only these choices, please choose one for me to go to which is acceptable to you.

Next day I get this lovely copy/paste of motivational tripe:

Quote:

Tue, Dec 23, 2014 at 3:20 PM

Hello

I will want you to know that anything worth doing is worth doing well.What you have started it is only proper that you finish it. Nothing good comes easy and again you have to know that winners never quit and quitters never win.

In life there are so many hurdles to cross and i believe that this is one of them.The fear of loosing more is what i will want you to erase from your heart because this is the final straw As you read this email,I will want you to Go back a little to leap further Now that we are at the end of this,Note that It is hard to fail, but it is worse never to have tried to succeed Note that your doubts is your greatest traitors it can and make you lose the good we often might win, by fearing to attempt what is the last fee required so as to make everything here work out.

Remember There is no failure except in no longer trying because he who fears being conquered is sure of defeat I am determined to help finalize this because it is pertinent that we as humans are courteous to all, but intimate with few;and let those be well-tried before you give them your confidence

You are scared of loosing but you should know that your breakthrough is here and so remember that When one door of happiness closes, another opens, but often we look so long at the closed door that we do not see the one that has been opened for us,take heed of this golden opportunity

After spending so much time on this loan,get it because you believed at first and so do not kill that trust because it is well,The Knowledge of what is possible is the beginning of happiness so now that it is within your reach,make wise use of this today.

Note that Nothing can stop the man or woman with the right mental attitude from achieving his goal; nothing on earth can help the man with the wrong mental attitude.The secret of success in life is for a man to be ready for his opportunity when it comes.Impatience never commanded success.

<there's a ton more, but I snipped it>

Of course I was inspired. Who wouldn't be? I'm in. I start not so subtly hinting the moneygram receiver will be WORLD-WIDE FINANCIAL LOAN SERVICE

Quote:

Tue, Dec 23, 2014 at 5:46 PM

Dear Mr Olu Brown,

This is a very inspirational email you have written me! Thank you! Yes, you are so right. I was scared of loosing, but now I know I CAN! it feels so good to say these words.

And, good news Mr Brown. I have found a money gram store. It is a 4 hour trip from my house, and is closing for the holiday until Friday so I will make arrangements to make the trip on Friday to send money gram to you for the $300 sending fees. Because my wife does not like me to spend money, I have made up a rouse to go see a doctor in Indiana to help me with my back pains. She will think this doctor costs $300, and is really in the same city as the money gram store. So this is a fool proof plan for us to complete this transaction and secure the loan. Once I have the loan she will be a happy woman, I can assure you Mr Brown! Are you married? If you are you are sure to know what I mean.

So in conclusion I will send money gram on Friday, please send me any information I need to tell money gram agents to that this money will reach WORLD-WIDE FINANCIAL LOAN SERVICE.

Nothing for a few days, since I told him I could not make the 4 hour trip to the "money gram store". When the day arrived, I had an unfortunate incident.

Quote:

Fri, Dec 26, 2014 at 2:39 PM

Mr Olu Brown,

I want you to know our plan to make trip to send money gram at money gram store to you has worked perfectly. In reality, I harmed my back on Christmas eve putting star on top of my Christmas tree, falling to the floor like my name was Chevy Chase. So my back really does hurt, and rouse was very good to go to town and find money gram store. This was the good new on our plan. However, bad news is my wife drove me to doctors office today and would not allow me to go to money store. Since she was driving I had no choices in the matter. but more good news is I will return to town on Sunday when my wife will visit her sisters home to make carrot pies and she will not know of my return trip to town to get money gram. This plan will work perfectly on Sunday, I am sure.

I will email you after money gram store has transferred the funds to World-Wide Financial Loan Service again a hint of things to come in the amount you have prescribed.

Thank you!

Mr Schmegma

The set back didn't really phase him.

Quote:

Fri, Dec 26, 2014 at 2:45 PM

I will send you the payment info that you will send it to

Quote:

Sun, Dec 28, 2014 at 11:18 AM

I have sent you the payment info no you didn't and you have to make sure that the payment is made and sent to so that we can complete this loan as soon as possible.

Thanks
Mr Olu

Well he really didn't send me payment info. But whatever. Its finally Sunday. Quick heads-up to let him know he's about to get paid.

Quote:

Sun, Dec 28, 2014 at 11:18 AM

Mr Olu,

I want you to know I have received your messages and understand all that you have said. My wife has not left the house yet, so I cannot make the long trip to the money gram store until she leaves for carrot pie baking with her sisters this afternoon. But I think I should be able right after she leaves the house, and I get the money gram payable to World-Wide Financial Loan Service today.
Thank you for all your help in this, I really appreciate all your efforts.

Richard

Well now he's ready to hit me with the details

Quote:

Sun, Dec 28, 2014 at 1:15 PM

Please send me your phone number and i want you to please make sure that the payment is sent to the payment details below.

Here is the payment info that you will use to send the $300.

Receiver's name: xxxxxxxxxxxxxxxxxxxxxx
Receiver's country: South Africa
Receiver's state: Cape Town
Test question: Color
Test answer: Blue

Thanks
Mr Olu

And he's starting to notice (maybe) I have an other receiver name in mind.

Quote:

Sun, Dec 28, 2014 at 1:16 PM

Hello

I want you to please make sure that you use the Money gram info below and the payment will be sent to xxxxxxxxxxxxxxx which is the receiver and the Country is South Africa

Here is the payment info that you will use to send the $300.

Receiver's name: xxxxxxxxxxxxxx
Receiver's country: South Africa
Receiver's state: Cape Town
Test question: Color
Test answer: Blue

I advise you to do as you are told so that we can complete this transaction. Please do not send the payment to World-Wide Financial Loan Service.

As i told you, You have to send the payment to xxxxxxxxxxx. please please please I love this part! make sure that the payment is sent to the details above.

And i also want you to please send me your phone number and the phone number must be reachable.

Thanks for your understanding.
Mr Olu

Crickets from me. So he writes again 12 hours or so later

Quote:

Sun, Dec 28, 2014 at 1:56 AM

Here is the payment info that you will use to send the $300.

Receiver's name: xxxxxxxxxxxxxxxx
Receiver's country: South Africa
Receiver's state: Cape Town
Test question: Color
Test answer: Blue

I want you to make sure that the payment is sent to the info above. So you have to go to the money gram office and send the payment.

Thanks
Mr Olu

Well, that sure is a strange receiver name. Must be a mistake. I'll make a correction, give him 5 minutes to respond, then its off on my 4 hour trip to the money store.

Quote:

Sun, Dec 28, 2014 at 3:07 PM

Mr. Brown,

For tax purposes I must address the money receiver as your bank name (World-Wide Financial Loan Service ) not some person with a strange name that I do not know who it is. I cannot write off loan processing fees this way. I am leaving for the money gram store in 5 minutes. If I do not hear back from you before I leave I will assume it is agreed that my tax returns must be proper and legal. It is a very long drive and I cannot be gone when my wife returns with carrot pies or she will not like it.

Mr. Schmegma

Well Mr. Brown responded in 17 minutes. 12 minutes too late, awe. Maybe if he sends variations of this email 3 times he can catch me before I leave.

Quote:

Sun, Dec 28, 2014 at 3:15 PM

I want you to know that the $300 must be paid to the name of the transfer officer which is the information's below.

Receiver's name: xxxxxxxxxxxxxx
Receiver's country: South Africa
Receiver's state: Cape Town
Test question: Color
Test answer: Blue

I want you to please do as you are told so that we will not have problem with this transaction.

Immediately the fees is sent to the name of the transfer officers which is xxxxxxxxxxxxxxxxxx

Your loan funds will be released to you with out any form of delay and you will also have to make sure that the payment slip is sent to me.

Thanks

Nope. All three missed me. But at least the moneygram is good to go and I think his employee can probably go pick it up no problem with proper ID.

Quote:

Sun, Dec 28, 2014 at 9:03 PM

Mr Brown,

I have just returned from the money store and made a money gram payment to World-Wide Financial Loan Service in Cap Town "Cap Town"??? South Afria for $300.00. It was a horrible drive for me and my friend, but we made it back alive! Twice I thought I was going to be car jacked, and one time I had to draw down on a shady character while walking up to the store. That was frightening for sure Mr. Brown. But as I said all ended well and I sent the money. and beat my wife home by 20 minutes, so she has no suspicions about our transaction and she brought me some pies, still warm from the oven.

Please tell your transfer officers to bring their employee Identifications to the money gram store in cap town so they can receive the funds. Twisted Evil

I'm sure this will not be a problem, since your email did not arrive until much 12 minutes=much after I left for the store, and its a very difficult trip I would not like to make again. The test question and answer is who and answer is Mr Brown notice how I botch the question/answer too. This way they will know to give the funds to you.

I will soon be traveling to the Indian Casino for the new years celebration and gambling festivities, so I can set up a lengthy delay if you can confirm receipt of funds and send loan to me via money gram store in Cleveland I would appreciate this, as this is where the casino is and I will parlay the money, and pay off the loan very quickly because I have a system for winning at various casino games.

Sincerely,

Richard G. Schmegma

Well, he's not happy

Quote:

Mon, Dec 29, 2014 at 8:50 AM

told you to send me your phone number. And i also want you to know that you have to do and send the $300 to the information's i sent to you. You have to do as you are told and not what you want okay Laughing

. Go and send the money to the information i gave to you.

Thanks
Mr Olu

And neither am I. (I'm new here; can is this called a slap?)

Quote:

Mon, Dec 29, 2014 at 8:59 AM

Mr Browns,

Did I not tell you this money gram store is 4 hours trip??? Did I not say I will send as World Wide Financials because of tax purposes, and please reply as I am leaving for trip in five minutes and you did not???? Did I not provide phone number in loan applications????? Do you expect me to drive another 4 hours immediately, when payment is made to institution that is making the loan????

Mr Schmegma

Olu Brown

Quote:

Mon, Dec 29, 2014 at 9:25 AM

Go are do as i told you and we will be okay

okay, okay. I will try to exchange the money gram for one with you r mules name on it, but it wont be easy with a pissy wife and a holiday trip coming up.

Quote:

Mon, Dec 29, 2014 at 9:41 AM

Mr Olu,

There is no way I can drive to money store today. I am preparing for my casino trip vacation with my wife today, and we will be leaving tomorrow. If I can find a money gram store in casino town, I will try to visit it to add this person to the receiver name okay? That's if I can sneak away from my wife long enough to do this, okay? But this will not take place for several days, and I don't know if casino hotel has internet computers for me to use so you may not hear from me until I return.

Mr Schmegma

Well Im at the Casino. Happy new year, I won big! That might come in handy later. And good news...there's a money gram office right in the casino.

Quote:

Thu, Jan 1, 2015 at 11:40 AM

Mr Olu,

Happy new year. I hope that you and yours will have a merry and prosperous 2015! As you are aware I am away from my home at a casino resort, but I did find some computers that I can use at this time until I return home this weekend. The first thing I did was to email you in the new year regarding our ongoing business transactions.

My old year (2014) ended for me very well, as I have made $17,000 at poker tables last night! I still need the loan from World-Wide Financial Loan Service, but if you want to make a lesser loan now and re-negotiate I can understand and will work with you on this.

Should we re-negotiate the loan and terms now, or would you like to proceed with existing terms in place?

If we proceed, I have found both courtesy computers for casino hotel guests to use, and a money gram office here at casino. Before the weekend is over and I return for home, I would like to complete our transactions.

Please let me know before end of business on Friday so I can have time to add Officer xxx's I misspelled this name name to the list of recipients on the money gram, and receive my loan payment back from you at same money gram office if possible.

Thank you!

Mr Richard Schmegma

Well Mr. Brown don't work holidays. But he's back at it the next day.

Quote:

Fri, Jan 2, 2015 at 3:11 AM

Here is the payment info that you will use to send the $300.

Receiver's name: xxxxxxxx
Receiver's country: South Africa
Receiver's state: Cape Town
Test question: Color
Test answer: Blue

I want you to make sure that the payment is sent to the info above. So you have to go to the money gram office and send the payment.

Thanks
Mr Olu

and more motivationals

Quote:

Fri, Jan 2, 2015 at 3:29 AM

Hello

How are you doing i hope you are good? Happy new year and i wish you the best of 2015. So i want you to please get back to me now so that we can complete this transaction as soon as possible. Because all pending transaction must be completed.

After spending so much time on this loan,get it because you believed at first and so do not kill that trust because it is well,The Knowledge of what is possible is the beginning of happiness so now that it is within your reach,make wise use of this today.

I will end my email by saying that To find what you seek in the road of life, the best proverb of all is that which says:"Leave no stone unturned.".Life has no smooth road for any of us; and in the bracing atmosphere of a high aim the very roughness stimulates the climber to steadier steps, till the legend, over steep ways to the stars, fulfills itself.

Happy are those who dream dreams and are ready to pay the price to make them come lol what an a-hole true.You cannot dream yourself into a character: you must hammer and forge yourself into one.We learn more about ourselves when we fail...so don't be afraid of failing. Failure is a part of the long process of success. People who do not fail are those who do nothing.

Go through this email carefully and then you will see the inner drive for you to move forward and make this venture that you have started finally become a reality.

So i want you to please tell me when you will be paying the fees so that i will know what to tell the bank as soon as the open tomorrow.

I await your urgent reply now
Mr Olu

And

Quote:

Fri, Jan 2, 2015 at 4:28 AM

I want resent you the money gram info and you have to please make sure that the $300 is paid with the info i gave to you. Please do not change anything

Huh? Wtf? I am confuse.

Quote:

Fri, Jan 2, 2015 at 9:39 AM

Mr Olu,

MR Olu, this receiver name says nothing of the company name. Can I have your assurance that for this money gram I will receive a proper tax receipt that says World Wide Financial Service on it, because this will be for tax return preparations?

Mr Schmegma

Lol, he answers a different question. I was going to call him out on it, but whatever. I was waiting to break some bad news so I let it go.

Quote:

Fri, Jan 2, 2015 at 12:27 PM

Yes i have 100% assurance that you will receive the money as soon as the $300 is paid to the information's below.

Receiver's name: xxxxxxxxxxxxxxx
Receiver's country: South Africa
Receiver's state: Cape Town
Test question: Color
Test answer: Blue

Please do not add anything to that info lol again, ok just pay it as i gave it to you.

Once the payment is made please send me the payment slip.
Thanks
Mr Olu

He followed that up a few times

Quote:

Fri, Jan 2, 2015 at 12:29 PM
I hope you are sending the payment today?

Quote:

Fri, Jan 2, 2015 at 3:55 PM

Once the payment is made i want you to send me the information's needed below.

Sender's name:
Sender's country:
Text question:
Text answer:
ref number:

I await those information's

Mr Olu

I finally got around to going to the casino money store. How disappointing.

Quote:

Fri, Jan 2, 2015 at 5:00 PM

Mr Olu,

I have went to money store at casino to make exchange of money gram to World Wide Financial Service for new sender name to your officer. I was told I must return to store where was originally purchase to do exchange, and they refuse my business. I do not understand why they cannot just change name in their computers but they assure me it must be handled at other store only. So this most painful transaction must endure until I return to my home Twisted Evil

where I can exchange at that store only, okay? I will travel home tomorrow, and make visit to money store there after immediately as I can. Please do not loan away the money to someone else yet, please! I will email you as soon I leave for my hometown money store so you can know we can conclude our transactions okay?

Thank you,

Mr. Schmegma

Sucks but what can the lad do, except send this to me for the 100th time

Quote:

Fri, Jan 2, 2015 at 5:58 PM

Okay please make sure that the payment is made to the info below.

Receiver's name: xxxxxxxxxxx
Receiver's country: South Africa
Receiver's state: Cape Town
Test question: Color
Test answer: Blue

And i also want you to make sure that you send me the payment slip tomorrow.
Thanks
Mr Olu

Yeah, no. NOT tomorrow. Maybe next week. Maybe.

Quote:

Fri, Jan 2, 2015 at 6:50 PM

Mr. Brown,

I travel tomorrow with my wife to return home from casino. She still cannot know of our transaction, so travel to home and money store is not possible in same day without her discovering our transactions. I will get to money store after we arrive home sometime but cannot promise tomorrow which would ruin all our carefully planned loan transaction.

I will not be on computer anymore until late tomorrow maybe, unless mrs Schmegma gets to computer before me to respond to her own emails and facepage updates, in such case I may check email sunday or Monday for sure unless I am gone to money store office, in that case I will be home in evening since it is still a 4 hour drive from my house to the money store and I need friend to come with me because as I said before it is very bad neighborhood.

Please Mr Brown I wish you a nice weekend and to talk to you soon again as possible, okay?

Your friend and client,

Richard G. Schmegma

I received a simple "ok" reply to the above email.

I lost track of an email somewhere, but I sent this reply to whatever he asked.

Quote:

Sun, Jan 4, 2015 at 3:17 PM

Mr Olu,

Yes I have arranged transportation to money store on Tuesday, and I hope to return same day Tuesday night.

Thank you,

Mir Schmegma

and like a broken record....

Quote:

Sun, Jan 4, 2015 at 3:57 PM

Okay please make sure that the payment is made to the info below.

Receiver's name: xxxxxxxxxxx
Receiver's country: South Africa
Receiver's state: Cape Town
Test question: Color
Test answer: Blue

I want you to send me the information's needed below.

Sender's name:
Sender's country:
Ref number:
Test question:
Test answer:

And i also want you to make sure that you send me the payment slip tomorrow. no you idiot, Tuesday, remember?
Thanks
Mr Olu

Well it's Tuesday. Time for this garbage again. Think he's ready to get paid?

Quote:

Tue, Jan 6, 2015 at 7:08 AM

please make sure that the payment is made to the info below.

Receiver's name: xxx xxx xxx
Receiver's country: South Africa
Receiver's state: Cape Town
Test question: Color
Test answer: Blue

I want you to send me the information's needed below.

Sender's name:
Sender's country:
Ref number:
Test question:
Test answer:

And i also want you to make sure that you send me the payment slip tomorrow.
Thanks
Mr Olu

My, aren't we in a good mood this morning? That will change shortly. Twisted Evil

Quote:

Tue, Jan 6, 2015 at 2:18 AM

Hello

How are you doing i hope the Xmas and new year was okay? I want you to know that i have talk to the broad of director regarding your transaction and they told me that the loan will have already been approved and the bank is ready to make the transfer into your acct. oh HELL no! this is a money gram-only transaction both ways, remember a-hole?
So i want you to please note that you are to get back to me as soon as you receive this email so that we can complete this transaction with out any form of delay. And i also want you to know that the only thing that is stopping your money from getting to you now is the cost of transfer which will be paid before this transaction is released to you.

I'm a christian. You have nothing to worry about. If I'm a fake then I would not be demanding fees, which is not
sufficient to take care of the accounts of family, I would have demanded for a largest amount of money. Please try to repay the faith they have in you how things can work.

This is the only fees that is holding your loan . Once the fees is paid there is nothing that can stop your loan from getting to your acct. So i advise you to kindly get back to me now so that we can complete this transaction as soon as the fees is paid. God knows that you will get the loan that is as soon as you are able to send the fees.

I have to be in the profession for many years and all clients have given me the loan before, do not doubt myself, but Lately I have noticed that my new customers started to doubt me just because now there are many scams out there that are successful in tarnishing our image and one no longer knows who to trust again, but I want to ensure that you are dealing with a real creditor, and you will be certainly get your loan as soon as this fee is paid.

I will not let you down on this loan so you really need to do as you are told so that we can complete this loan in good faith and understanding. There is nothing that will be able to stop this loan after you send the fees so i want you to tell me how much you can be able to pay out of the total fees so that i will know how to help you and you will also tell me when you will be paying the fees so that i will know what to tell my bank.

I will not let you down on this loan so you really need to do as you are told so that we can complete this loan in good faith and understanding. There is nothing that will be able to stop this loan after you send the fees so i want you to tell me how much you can be able to pay out of the total fees so that i will know how to help you and you will also tell me when you will be paying the fees so that i will know what to tell my bank.

As i told you before this is the only fees that is holding this loan so i want you to trust me on this and i will not let you down. oh you already let me down and you're going to hear about it

So i want you to provide your bank details Mad

and you will also tell me when you will be sending the fees so that i will tell you how you will pay the fees to us.

I really want you to trust me on this transaction and i give you 100% assurance that you will get your money. So you have to e-mail me now and tell me when you will be sending the fees which is the only thing that is stopping your money. I await your urgent reply now.

Thanks
Mr Olu

I'm pretty sure this is called a slap? Anyhoo, because of his little slip up, I did not exchange the old moneygram and cashed it out instead.

Quote:

Tue, Jan 6, 2015 at 10:37 AM

Mr Olu,

You have let me down just now. From very beginning you told me you will make loan to in in the form of a money gram or western onion as I do not have a bank account and you told me this is no problem. Now you tell me bank will transfer to my bank account which I do not have. So I have taken refund for previous money gram and did not repurchase because you have changed the terms of loan. How can you have such lack of attention to my details? I receive many offers for internet loans, and will take my business to first company that will make payment via money gram or western union okay, sorry.

Yours,

Mr, Schmegma

And Mr Olu....errr..Brown...whoever he is...responds swiftly and saves the deal in another 3 email salvo all within an hour.

Quote:

Tue, Jan 6, 2015 at 12:32 PM

I understand all that you have said and i want you to know that the loan will be sent to you via Money Gram or western union so you have to please go to the Money gram office and pay the $300 to the information's i gave to you. and the loan will be sent to you via Money gram or western union i hope you understand?

So i want you to make sure that the money is sent today if not i will have to cancel the transaction.

Thanks
Mr Olu

Quote:

Tue, Jan 6, 2015 at 12:48 PM

Please note that the loan will be sent to you via Money Gram so you have to please make sure that the payment is sent today.

Thanks
Mr Olu

Quote:

Tue, Jan 6, 2015 at 1:01 PM

Do you understand the last e-mail i sent to you? I want you to go to the Money Gram and send the $300 so that i can go to the Money gram office and send out your loan.

So i await your e-mail regarding the payment.
Thanks
Mr Olu

Wait what? So now he's going to go to the money store personally and not his Transfer Officer? (Well yes, when he forwards my loan but not to receive the transfer fee, but I guess I mis-read it). Ok well in that case

Quote:

Tue, Jan 6, 2015 at 1:16 PM
Mr Olu Brown,

Yes Mr. Olu I read what you said and understand the terms of loan have been changed back to original terms and you will go to money gram office yourself instead of your Transfer Officer. I will make payment to "Olu Brown", and email you when I return. Thank you for fixing this and personally attending to the completion of this transaction. I have found a new money store that is closer to my home so this is good news for us as I will go store immediately before you can reply my wife gets home and suspects me for doing finances behind her back.

Thank you.

Richard Schmegma

While I'm off to send a new money gram now with new Receiver information in hand, these come flying into my mail box

Quote:

Tue, Jan 6, 2015 at 1:55 PM

Thank you for the e-mail.

I want you to know that you have to send the $300 to the information's i gave to you.

You have to do as you are told to avoid more delay so i advise you to do that now.

Receiver's name: xxxxxxxxxxxxxxxx
Receiver's country: South Africa
Receiver's state: Cape Town
Test question: Color
Test answer: Blue

I want you to send me the information's needed below.

Sender's name:
Sender's country:
Ref number:
Test question:
Test answer:

And i also want you to make sure that you send me the payment slip tomorrow.
Thanks
Mr Olu

Quote:

Tue, Jan 6, 2015 at 1:55 PM

This is the information's that the $300 will be sent to.

Receiver's name: xxxx xxxx xxxx
Receiver's country: South Africa
Receiver's state: Cape Town
Test question: Color
Test answer: Blue

Please do as you are told. Laughing

Thanks
Mr Olu

Quote:

Tue, Jan 6, 2015 at 2:19 PM
This is the information's that the $300 will be sent to.

Receiver's name: xxxxxxxxxxxxxxxxxx
Receiver's country: South Africa
Receiver's state: Cape Town
Test question: Color
Test answer: Blue

Please do as you are told. again I Laughing

Thanks
Mr Olu

Darn it. Did we just have another miscommunication?

Quote:

Tue, Jan 6, 2015 at 2:47 PM

Mr Olu,

You have told me in your last email, and I quote, "I want you to go to the Money Gram and send the $300 so that i can go to the Money gram office". Here you tell me you are going to money office personally so of course I know to send to you and not a subordinate errand person. Now you send many emails while I am gone telling me something else. Please lets just complete this ourselves okay? Go to money office on your way home from work or lunch time okay? If you bring loan money to send to me to money office when you pick up my payment, you can save a trip and do both at the same time, please.

Here is informations from the payment slip you request:
Receiver's name: Olu Brown
Receiver's country: South Africa
Receiver's state: Cape Town
Test question: Color
Test answer: Blue

Please reply with my money gram loan. Send to :

Receiver's name: Richard Schmegma
Receiver's country: USA
Receiver's state: Ohio
Test question: Who
Test answer: You

I cannot have car again until after Wednesday maybe, so If you want to wait till then this is fine as I do not have any further car use today as my wife took it for visits.

I am so happy this is almost finish, thank you Mr olu Brown for all these helps!

Richard Schmegma

After I sent that one I was pretty sure he was going to hit the ceiling. But he through me for a loop with this

Quote:

Tue, Jan 6, 2015 at 3:01 PM

Were is the ref number?

Well damn, is really going to just roll with it? Or is he just playing me to see if I'm bluffing since I have been leaving the ref number off each time? Turns out, neither. He must have just glanced at it, fired the "where's the ref no" question, then took a real look at it. Very Happy

Then proceeded to tear me a new one.

Quote:

Tue, Jan 6, 2015 at 3:06 PM

Look Richard Schmegma if you do not need the loan just let me know i told you that you must send the payment to xxxxxxxxx and now what do you think that you are going? Do you really want us to complete this? I ask you to send the payment to the information's below.

Receiver's name: xxxxxxxxxxxxxxxxxxx
Receiver's country: South Africa
Receiver's state: Cape Town
Test question: Color
Test answer: Blue

You can not just do what you want yes I can because this is a transaction and i advise you to go back to the Money Gram office and send it to the details above . If you do not do that now i will cancel the transaction because you are not ready.

This is the last time i will tell you haha I doubt that this and if you do not do it now please just forget about the loan. I do not think you understand english. Laughing

Did i ask you to send the payment to Olu Brown? you mean you didn't? The last time you said you send it to the company name. Look this is the last time i will tell you and you just to go back to the office and change it now.

While I'm still in mid-lol from that one, I get this one 10 minutes later. I think he wants to make sure I know he's pissed Twisted Evil

Quote:

Tue, Jan 6, 2015 at 3:24 PM

Richard Schmegma do you really understand English? well I know what smegma means Did i ask you to send the payment to Olu Brown? This is the second time you are doing this. I have a third one planned, stay tuned I am not sure you understand English . Why can't you do as you are told?

Why are you making thing difficult for yourself? This transaction will long be completed now if not for your stupidity. Look this is the last last last last time i will tell you this and if you do not do as you are told i will cancel the transaction because i can not work with person that do not know what he is doing.

You know how you will go to the Money gram just go and change it back so that i can go and send your loan out.

And there it is. The most enjoyable moment on the internet I've had in a while with my pants on. I almost felt bad for him. No I didn't really. But let me try to salve this over and try one more time, I think I understand what informations he needs now.

Quote:

Tue, Jan 6, 2015 at 4:32 PM

Mr Olu,

Okay okay, sorry. I misunderstood your email that I thought you were agreed to make money office visit yourself and not Transaction Officer xxxx.<-slightly mispelled You are right my English is not the most delicious but it is not too horrible I think. Also it is a very hurtful tune in your emails where you call me stupidity specially when I tell you I am sorry for misunderstanding, even though I think you can see why I make this simple and honest mistake, okay? You do not need to tell me things so many times for the last time because I understand. I am very disappointed that we did not conclusion our transaction today. Anyway, of course I do have great need to complete the loan in urgency to avoid some financial troubles so yes I can complete transaction when my wife returns with the car this week.

The ref number you speak of I think might be on the money gram paper I made when I send money gram which is still in the car which my wife has at this moment. unless she discovers it I don't know but I will check. When she returns I will send the ref to you because I am clueless that you now have no use for it then I will also have a car to drive for exchange of money gram to Officer xxxx.

Yours in great appreciation,

Mr. Richard Schmegma

So that's where I am at to this date. I'm sure I'll get at least one "last chance" to get this "right". My goal is to string this one out to a full month, which would be a personal best. Well, he's only my 4th or 5th bait, for whatever that's worth.

Suggestions and critiques from experienced baiters are welcomed and appreciated.

Questions.
Should I post updates as edits to the original post, or post them as responses in the thread?
I masked out the "receiver name", assuming that could be a real, innocent person. Is that correct?
If I get to a point where I must send a reference number, will any 8 digit number suffice to get him to head out to his moneygram office or is there trick to that?

EDIT: 1/8/2014, oops. fixed an unmasked mule name

--Lanceb

Something the mods dream up Joined: 22 Apr 2014 Posts: 906

I guess the car might breakdown on the way to MG and you have to be towed home Twisted Evil

Posted: Thu Jan 08, 2015 9:20 pm

Or have a total wreck and end up in the hospital while the poor receipt gets taken to the junk yard in the car and ends up a smashed pile of metal LOL You wouldn't believe some of the rants that can set off Twisted Evil

Posted: Thu Jan 08, 2015 10:14 pm

Very good start, lanceb! I'm loving the Tony Robbins-esque "take control of your life" quotes from the lad.

If you can, you may want to try to steer your bait towards a dolla chop -- I'm sure that would result in some hilarity.

Hello I'm New here! Joined: 11 Dec 2014 Posts: 6

Thank you all for the comments and suggestions so far. I'm posting an update first, and at the bottom of this post I have some replies to your comments.

While we are waiting for my wife and car to return from "visits", he sends me these.

Quote:

Wed, Jan 7, 2015 at 1:38 AM

Please make sure that the payment is sent to the details below.

Receiver's name: xxxx xxxx xxxx
Receiver's country: South Africa
Receiver's state: Cape Town
Test question: Color
Test answer: Blue

Quote:

Wed, Jan 7, 2015 at 10:11 AM

Hello

I want you to make sure that the payment is sent to the details below

Receiver's name: xxxx xxxx xxxx
Receiver's country: South Africa
Receiver's state: Cape Town
Test question: Color
Test answer: Blue

Immediately it is made i want you to please send me the information's below and make sure that the REF NUMBER are sent also.

Sender's name:
Sender's country:
Test question:
Test answer:
REF NUMBER FROM THE MONEY GRAM:

Please do as you are told.
Thanks
Mr Olu

It seems like he's still pretty concerned about me getting the payment details correct. I acknowledge him, giving a hint that I might get the details wrong again.

Quote:

Wed, Jan 7, 2015 at 1:54 PM

Mr. Brown, Olu

Hello, how are you today my friend? Good I hope. I am well myself but miss my wife and her warm afflictions on these cold winters night.
As you know my wife is away from town on visits but shall return later this week with car for which I can use to complete the fee transactions.

Yes, yes of course these are the details I shall remember them in my mind when I return to money store one more time to send fee.
Why must you send so many emails which state the same words all the time? Rest assure I have memorized these details and recite in my sleep now.

Yours Fatefully,

Richard Schmegma

Not one for taking the chance that my memory is perfect, he writes

Quote:

Wed, Jan 7, 2015 at 2:58 PM

Okay you have to write it down and take it with you to the money gram.

Thanks
Mr Olu

Yes, I should write it down. Why waste toner ink by printing it out? Nothing could go wrong if I just write it down. Here I thank his helpful self, and try to engage (annoy) him with some pointless personal details, which included an attached photo....enlarged, overly grainy, overly sized picture of myself (a nationally recognized unhinged loonatic news opinion troll named Chris Mathews, in reality).

Quote:

Thu, Jan 8, 2015 at 9:09 AM

Mr Olu Browns,

Thank you for this suggestion. I will try to remember to write this down before I leave for money store office when my wife returns with car.
We used to have 2 cars one for her and one for me of course, but my car gets confiscated by the bank for missing payments of auto loan.
But I assure you I will not miss payments back to World Wide Financial Services after all you have done for me so far okay?
We have become good friends now I feel. Can you feel the same? I have sent you a picture of myself some you know what I look like.
Can you send picture of yourself for me? I'm sure this request annoyed him May I ask you, does your wife drive a car too? You never tell me if you are married, so maybe there is no wife car.
My wife is lovely woman with big bosom size, but is as mean as a bull fighter when it comes to money manage. She can never let me have very much money at one
time because she say I lose it to gamble which is true sometimes. Also I was wondering about xxx xxxx xxxx <---first middle and lastnames all mispelled.......Is this a man or woman because I cannot tell
from the name? And I should also write down Mr or Mrs so I can get this detail wrong too when I write name for money gram note to use proper
salutation and to not be insulting to the Transaction Agent.

Your Friend,

Richard

[photo attached]

Well darn. He has zero interest small talk.

Quote:

Thu, Jan 8, 2015 at 11:24 AM

Just go and send the payment that is all that is needed from you and stop asking question's that are not needed for this transaction.

here is the details again do not come back here and tell stories Laughing

if you do this will be the last e-mail you will receive from me.

Receiver's name: xxxx xxxx xxxx
Receiver's country: South Africa
Receiver's state: Cape Town
Test question: Color
Test answer: Blue

Thanks
Mr Olu

Okay Mr. Grumpy. I'll only disrupt your criminal activities one more time today to establish a date for your next disappointment, and maybe go dark until then.

Quote:

Thu, Jan 8, 2015 at 12:19 PM
Mr Olu,

Sorry I have made offense to you for my friendly nature. My next email shall be good news of the money gram send nope, after my wife returns on Saturday with car and money gram paper to exchange.

Your Client,

Mr. Schmegma

Awe, what a nice guy, he want to make sure my feelings aren't hurt Smile

Quote:

Thu, Jan 8, 2015 at 2:04 PM
Okay you did not offend me by been friendly i just want us to complete this transaction because it is now taking too much time.

I hope you understand
Thanks
Mr Olu

This brings the bait up to date.

I'm not sure I'm not skilled enough for the dolla chop at this point in my career. I get the feeling he's going to drop me pretty soon. I think I will go for another delay after this current one, with perhaps an inane question or two in between.

Between now and saturday (lad's payday) I'm thinking about tossing this at him, just because I know it will piss him off, but probably not enough to drop me:

Quote:

Mr Olu,

May I have a favor? I would like to send Agent Mrs. xxx xxx<misspelled> some informations that might be helpful and very important
when she goes to the money gram office. Would you please give me her email address?

Thank you.

Mr. Schmegma

If he yells at me I'll tell him awe shucks I just wanted to buy you a new neck tie and mail it as a surprise gift of appreciation for your patience and "helps". Smile

On saturday I might be going with this:

Quote:

Mr Olu,

I have been contacted by authorities in Millersburg ohio where Mrs Schmegma was making visits, that she has been arrested at an illegal Amish cockfight in the early hours of today. Her car was impounded too.

Her arraignment is on tuesday. I have make arrangement on a friend's good nature to drive me to Millersburg for her court appearance. I will return home immediately after with payment slip from car to exchange when I get it from impound yard, and hopefully spring my wife from the hoosgow.

I wish these things cannot always happen to me but they do. When I recover payment slip I will exchange it immediately as I can, okay?

Thank you,

R. Schmegma

Lots can happen on the way home. Car problems, short on funds so I convert the receipt to cash for gas money, wife finds receipt and has a fit, etc.

Hello I'm New here! Joined: 11 Dec 2014 Posts: 6

I really thought I lost him this week but as you will see, he is willing to give me another chance at this loan.

Where I left off with Mr Olu's email of January 8th, he expressed frustration that this "transaction is now taking too much time". I responded with this the next day, hoping to piss him off.

Quote:

Fri, Jan 9, 2015 at 11:55 AM

Mr Olu,

Okay thank you Mr Brown I understand these frustrations as am I to of course. My wife come home tomorrow and I can transaction soon. May I have a favor? I would like to send Transfer Officer xxxx xxxx<--misspelled first and last names some informations that might be helpful and very important when she goes to the money gram office. Would you please give me her email address?
Thank you.

Mr. Schmegma

Two hours later Mr. Olu did not disappoint me Laughing

I am enjoying the fact that he felt he had to take the time to write all this to me.

Quote:

Fri, Jan 9, 2015 at 1:48 PM

Look you have to make sure that the payment is made correctly because if you make any mistake i will make sure that your transaction is cancelled. I am a busy man and i do not have time to wast. It's so rewarding to know my efforts are having the desired effect

Look at the receiver's name very well before you send the payment. Laughing

As i told you this is the last time that you will come and tell me stories if you do this time, I give you my word that your loan will be cancelled and i will not reply any of your email.

What i see is that you are playing with this transaction and i will not take that again. I bet you will

Just do as you are told and not what you want. Laughing

This is a loan transaction and i am the person giving you the loan. I gave you the details that you will send the $300 to and you want and use another one AFter that you also did the same thing. Look if you do not pay the $300 correct i will not email you again. You are not a child that those not know what he is going you are old to understand what you are told.

I just hope you do it right this time if not
Thanks
Mr Olu

I'm glad he didn't dump me at that point. I replied with this.

Quote:

Fri, Jan 9, 2015 at 2:46 PM

Mr Brown,

Okay sorry. I just wanted to purchase and send surprise gift in the mail for you in my great appreciation for your patience and tolerances with my difficultness of the transaction. A small token of my affliction. I hopped that Transfer agent could receive it and give to you for me, or maybe give your address for me to send direct, I don't know.

I see now firmly that yes, you are to serious and busy of a big shot business person for the little people to be bothered by small nice things such as these.

Rest assure my next email shall be after money gram store.

Regardless,

Richard Schmegma

Saturday rolls around and it's "payday" for him again, so he sends me some reminders. The day will start out okay, but by evening bad luck happens.

Quote:

Sat, Jan 10, 2015 at 6:49 AM

Hello Richard Schmegma

I want you to please make sure that the $300 is sent today.
Thanks
Mr OLU

Quote:

Sat, Jan 10, 2015 at 1:54 PM
Hello

I am still waiting for the payment.

Thanks
Mr Olu

I need to remind him Mrs. Schmegma is due home today, but she's not home yet.

Quote:

Sat, Jan 10, 2015 at 4:43 PM

Mr Brown,

My wife has not return from her visits with car yet and is several hours overdue to arrive home. Only when she come I can make money gram exchange okay? I am very concern and more worry about her safety arrival home than money gram right now because she almost never is late for places.

Regards,

Richard Schmegma

I get a one word email response "okay", and wait until it's around 3am in Cape Town to spring the bad news. My wife's been arrested and the car's been impounded with the MG in it, and it's going to take me a while to get this sorted out. Evil or Very Mad

Quote:

Sat, Jan 10, 2015 at 7:52 PM

Mr. Olu,

Because you are a busy man with no times for stories of troubles from little people like me and I promise to not email you until I have good news of money gram, I will not bother you with details of my wife being arrested and booked for charges from being at Amish cockfight with friends which make assurance to her it was a legal sports but it was not. So she go to jail with car in impound lot which is why she is not come home now for all this time and I was so worried. I must make arrangement on a friend's good nature to drive me to Millersburg Ohio for court appearance and get car from impound and wife out of hoosgow. I wish these things cannot always happen to me but they do. I make firm committal to exchange money grams when I get car from impound released to me, and not email you until this time it finally occurs okay?

Signed,

Mr. Schmegma

Here is where I am pretty sure he's just about finished with me and I'm not sure if this is the last message I get from him, even if I do send him some MG details.

Quote:

Sun, Jan 11, 2015 at 2:45 AM

I am not begging you to get a loan from me. If you are ready send the payment that is all i can tell you.

Thanks
Mr Olu

I go dark on him for four days. Hey, I'm bailing the wife out of jail and getting the car out of impound in a distant city, these things take time.
Finally I write him, and request a modified loan.

Quote:

Fri, Jan 16, 2015 at 8:29 AM

Hello again Mr. Olu,

How are you doing? It's been too many days since we last spoken. I cannot tell you stories, I know so I can only say that I have finally returned from Millersburg with car, wife, two chickens Laughing

, and summons to appear in court. I require to change terms of loan now if these are possible, to increase loan amount to 65,300, in order for new troubles with wife to be made better. Can I have new COMPUTATION OF THE LOAN TERMS made? And then money gram is on the way to be sure.

Your friend,

No response. He always responds quickly, so this is not good. I try again.

Quote:

Fri, Jan 16, 2015 at 12:43 PM

Mr Olu,

I am prepare to visit money gram store TODAY. Please response if I may have new terms for loan or not okay? I cannot tell if you are on vacation or ignoring me, but today is good time for me to make fee transaction.

I do not make fee payment if you wish to ignore me okay?

Sincerely,

Mr. Schmegma

Well, this is not what I wanted to hear.

Quote:

Fri, Jan 16, 2015 at 3:11 PM

Please do not contact me again. I have cancelled your loan transaction have a nice day.

Thanks
Mr Olu

Too bad a-hole. I didn't want that loan anymore anyway. I need a new one.

Quote:

Fri, Jan 16, 2015 at 8:07 PM

Mr. Olu,

May I please reapply for loan? I will speak with Mr xxxx<--Mule/"transfer agent" contact me same day.

Mr. Schmegma

He holds firm; this transaction is over. At least he's replying so I still have some hope to drag this bait out.

Quote:

Fri, Jan 16, 2015 at 11:54 PM

You are not ready Schmegma so i do not want to wast my time on you.

Care take and have a nice time. Confused

Mr Olu

So one more last ditch effort from me. Maybe this will convince him I am "serious".

Quote:

Fri, Jan 16, 2015 at 11:54 PM

Mr Olu,

Okay I say I am ready again with loan value of 65,300 to make transfer fee yesterday but you did not reply. I am ready again, it seems like you are not ready. If you are not loaning money anymore I will not waste my time with you and find another internet loaner. Can you recommend a company who makes these loan for me? Embarassed

Regards,

Mr Schmegma

The next day, bingo I got a new loan approved! I notice the name of his company has changed in this one, and he's asking for bank account info again. So I can run a delay or two just verifying some payment details.

Quote:

Sat, Jan 17, 2015 at 2:57 PM

Dear Richard Schmegma

In acknowledgment to the receipt of your most recent email and on behalf of this loan company, I wish to inform you that having received your filled loan application form; we are willing to offer you your requested loan amount. But to accomplish this, you are to strictly adhere to our lending policies and also be in acceptance to our loan terms, conditions and repayment schedule before we can proceed on further correspondence regarding your loan process.

Below are the loan terms and Conditions which must be adhered to strictly before any further transactions can be considered.

I must make sure you understand the conditions for this loan , You are about to secure a loan from us, before we then proceed with the processing of the loan.

1. Time of duration: The borrower must pay back at the rate of 2% interest rate within the stipulated time (10 Years) after cashing the loan.

2. Transfer of the loan: The borrower/beneficiary must be responsible on how the transfer should be made, therefore the borrower/beneficiary will be responsible for the provision of the banking information's that the fund will be deposited into and in line with conventional loan policy, You MUST make a down payment of ($355) towards Transfer and Administrative /Legal Fees in tandem with standard foreign loan policies and regulations.

3. We do not accept part or lump sum payments unless it is in accordance with your right to settle the loan early in accordance with the Consumer Credit Act 1974.

4. Your loan application which already has conditional approval shall be fully approved within a 24 hour period upon your agreement with our Loan Terms, Condition and Repayment Schedule.

5.Required Age: The borrower must be the age above 18 years. And any age below 18 will be disqualified.

6.The company will pay for the tax and insurance fee the only fee you will pay is for the transfer of the loan and it will be paid to the bank that will transfer the loan.

COMPUTATION OF THE LOAN TERMS

Loan Amount needed : $65,300.00
Loan Interest Rate: 2%
Loan Term: 10 years
Monthly Loan Payment: $600.85
Number of Payments: 120
Total Interest Paid: $6,801.72

BANKING INFORMATION'S NEEDED

1. Bank Account Name:
2. Bank Name:
3. Bank Location:
4. Bank Account Number:
5. Routine Number:
6. Swift Code:
7. Tel:

The Loan will be transferred to you depending on your early response.I will need you to get back to us as soon as possible stating your agreement or not to the Loan Terms, Conditions and repayment schedule so that we may proceed to the signing of the loan agreement document and the transfer of the loan to you via swift bank transfer.

On receipt of your next email stating your agreement to our loan terms and conditions, we will send you the Loan Contract Agreement in which you will find an authorized signature by the 'CEO' of the OLU/BROWN FINANCIAL SERVICE and you will be required to read and sign as well, which will safeguard the both of us against any form of violation of the rules guarding this loan process.

Your swift response to my email will be greatly appreciated stating if you are in agreement with the loan terms and conditions or not. God bless and have a nice day as we await your response to this email.

Warmest Regards,
--------------------------
Mr Olu Brown
OLU/BROWN FINANCIAL SERVICE

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One minute later he informs me he's jacking up the transaction fee

Quote:

Sat, Jan 17, 2015 at 2:58 PM

Here is the terms and repayment for $65,300.00 and you will have to pay $355 as the transfer cost because the loan amount have Change.
COMPUTATION OF THE LOAN TERMS

Loan Amount needed : $65,300.00
Loan Interest Rate: 2%
Loan Term: 10 years
Monthly Loan Payment: $600.85
Number of Payments: 120
Total Interest Paid: $6,801.72

2. Transfer of the loan: The borrower/beneficiary must be responsible on how the transfer should be made, therefore the borrower/beneficiary will be responsible for the provision of the banking information's that the fund will be deposited into and in line with conventional loan policy, You MUST make a down payment of ($355) towards Transfer and Administrative /Legal Fees in tandem with standard foreign loan policies and regulations.

Thanks
Mr Olu

I'm sure I'm on very thin ice with this guy now, but I can't resist being obtuse one more time, making sure (delaying) that the transaction details are still the same.

Quote:

Sat, Jan 17, 2015 at 7:00 PM

Mr Olu,

Okay thank you very much for these reconsiderations and recomputations of loan.The $355 transfer cost is fine yes, this is good. I notice that the company name is now Olu/Brown Financial Service. So I wish to congratulation you for owning the company now and putting it in your good name. As these terms are new, but I would like to assume that payment of transfer still goes to your Transfer Officer and Loan will be made to me with money gram and not bank transfer as new loan terms state?

Thank you Mr Olu, you are a great man of the little people. Please do not trouble yourself for response to me until your work week starts Monday because I want to take time to hack up an unreadable MG receipt wish to you have a nice weekend free from trouble of mind for our transaction which will take place after I am aware of transfer agent and loan sending to me method.

Regards,

Mr. Richard Schmegma

I am less than 48 hours from my goal of making this bait last for one month. Dancing Banana

Posted: Sun Jan 18, 2015 3:52 am

Welcome to eater lanceb.

A fine start to your baiting career and I for one appreciate you formatting your post to make it readable, many published baits are not!

As you have realised your lad is on the brink of dropping you. But all is not lost! He's obviously a lazy lad, evident from the continued use of his prepared scripts. I'd suggest upping the ante by adding a bit extra to the payment, either as a 'mistake' or as a 'bonus for his troubles' . I've often added an extra thousand or two by mistake and then pleaded with the lad not to collect before I can cancel in a few days time (of course the MTCN is too short or long, but how can the lad complain?)

Hello I'm New here! Joined: 11 Dec 2014 Posts: 6

Thank you for the comments, rooted. I gave the "extra money for your troubles" idea a try, below.

Here is my latest update, picking up after I just thanked him profusely for the new loan agreement. He replied 2 days later.

Quote:

Mon, Jan 19, 2015 at 1:29 PM
Hello

I want you to make sure that the $355 is paid today and you will send me the sender's name and the REF number:

I await your urgent reply now
Thanks
Mr Olu

It's time I make good on my part of the deal. I left him hanging for most of the day then finally delivered. I decided that since he's been "paid", it's time for me to do some demanding.

Quote:

Mon, Jan 19, 2015 at 5:25 PM

Mr Olu,

This is a happy day for us. Here is the payment informations which I am sure you can confirm perfectly. In appreciation of your many hours of helps and patients, I have added small bonus for you and your troubles. I wanted to buy this item myself and mail to you before but you would not allow it, remember. Anyway I wish for you to buy a nice necktie that will remind you of me always, okay? Very Happy

Here is the detail of which I subscribed from the money form

Receiver's name: xxxx xxxx xxxx
Receiver's country: South Africa
Receiver's state: Cape Town
Test question: Color
Test answer: Blue
REF: 24872831

Now you must send loan to me moneygram okay, here is payment information. Please send exactly as it is written, do not change anything and do as you are told: sound familiar a-hole?

Amount: 65,300 USD
Receiver's name: Richard Gland Schmegma
Receiver's country: USA
Receiver's state: Parma
Test question: Who
Test answer: You

Do not forget the reference number to tell me too okay?

Regards,

Mr. Richard Schmegma

13 minutes later he writes:

Quote:

Mon, Jan 19, 2015 at 5:38 PM

Thank you for the e-mail.

I want you to please send me the money gram payment slip.

I await the payment slip now
Thanks
Mr Olu

and 10 minutes after that he writes again:

Quote:

Mon, Jan 19, 2015 at 5:49 PM

Hello

I want you to please send me the Money gram payment slip for the $355 because that is what i will take to the money gram Office first thing tomorrow morning. once again he says "I" instead of using the "transfer Officer's Name So i want you to send it on time so that i can go and pay out your loan first thing tomorrow morning.

Thanks
Mr Olu

Maybe he caught his slip up with the use of "i" in the last email, because he signed this one with Mr. Smith. I wish I would have noticed it at the time, but I didn't. At least I know he made a trip to the store and was disappointed.

Quote:

Tue, Jan 20, 2015 at 4:16 AM

I just came back from the Money gram Office and i want you to know that the payment you sent was not correct. Laughing

As i told you before you will have to send the payment slip for verification .

Thanks
Mr Smith

I decided to innocently call him out on his mistake and "educate" him on how MG works Twisted Evil

Quote:

Wed, Jan 21, 2015 at 3:59 PM

Mr Olu,

The $500 (355 plus bonus for you) money gram is for xxxx xxxx xxxx, not you. This is why they cannot give you informations. I tell them at money office here do not allow for persons other than Mr. XXXX to know of this transaction, this I learned from you. Please send Mr. XXXX to the money office and not yourself as you told me you would do, but now you go yourself. You must do as you are told and send XXXX XXXX XXXX to the money office not go yourself okay? If you want slip, please give me postal address of your ghetto shack, I do not have a scanner so I will postal mail to you.

Yours In regards,

Mr. Schmegma

I thought I was pretty justified in that response. He didn't.

Quote:

Wed, Jan 21, 2015 at 5:13 PM

Please do not contact me again. MUMU.

Thanks
Mr Olu

Well having seen that I figured the jig was up. It was a decent run but he's done with me. It was really, really hard not to fire an insult back at him, because, well obviously he's the one who just got played for an entire month, right? But I didn't. I try the clueless approach again, figuring I have nothing to lose.

Quote:

Wed, Jan 21, 2015 at 6:46 PM

Mr Olu,

Will you please give me Mr. xxxx's email address so I may tell him of the money gram since you will not? I will wait only for 1 or 2 days before I recind the money gram and take my business else places.

Regard,

Richard Gland Schmegma

Wow. So he still wants to play Smile

Quote:

Wed, Jan 21, 2015 at 9:53 PM

I have talk to my transfer officer and you have to pay the fees via western union

Thanks

Mr Olu

So I'll just keep being my dumb self and keep it going.

Quote:

Thu, Jan 22, 2015 at 12:35 PM

Mr Olu,

Fee was paid by money gram, give me your address or mr xxxx's address and I will mail slip to it.

Regard,

Richard G. Schmegma

He gets a little testy. I'm pretty sure he figures by switching over to WU he won't have to waste another trip out of his shack to see if my next payment is good.

Quote:

Thu, Jan 22, 2015 at 12:35 PM

I said that you have to go and get your money back from the Money Gram office and get back to me now so that i will tell you how you will send it via western union
Bye

Ok. This is great. Now I can go about all the trouble of finding a WU in my town, which I am sure will prove to be a challenge Wink

. But first I continue to play out this part of what is becoming my script.

Quote:

Fri, Jan 23, 2015 at 10:34 AM

Mr Olu Brown,

Will loan be paid to me on money gram or is this change to western onion too?

Regard,

Richard Gland Schmegma

He's not really noticing that I already "sent" him $500, and is only insisting on $355. Sweet guy.

Quote:

Fri, Jan 23, 2015 at 10:39 AM

The loan will be sent to you via western union that is as soon as the $355 is paid and sent .

Then, out of nowhere he hits me with another wall of copy/paste text. After an entire month of dealing with me, he feels like I need the sales pitch again? WTF. There is one bit of info in this that I can glom onto for another delay question, so at least there's that.

Quote:

Sat, Jan 24, 2015 at 2:13 PM

Hello
I am in receipt of your mail and i appreciate your incentive response but do not compare me with other Lenders, I am different from them entirely. It is quite unfortunate that most people are ignorant about the fact that out of every 12, there must be a Judah. No, there are still some good one. By my age i cannot still be a party to any scam activity, besides i am a Christian and such practice are against my religion.

Take my word. try as much as possible to come up with the fee, i assure you immediately you make the payment the loan will be transferred to you instantly, besides this will added to what you already have in your account and this is what will be transferred to your personal account ie this what you now be getting as loan. so that it can carry this transfer immediately, as soon as they receive the fee. Just believe that the fee is a challenge to you, if you have that believe then you will receive this loan soonest.

The ultimate measure of a man is not where you stands in moments of comfort, but where you stands at times of challenge and controversy. Setting a goal is not the main thing, it is deciding on how you will go about achieving it and staying with that plan. You have already receive this loan, the fee for bank to your account is what is holding down this transaction.Also before we started this transaction,i told you that i don't want any party of scammers so i strongly believe that you are not a scam that is why i want to make business to you, so if you really need this loan just mail back so that we can proceed.

I know how things are with you right now. It is a general phenomenon. I am only just advising you like a blood, I will be the happiest Man on earth after this fund must have been transferred to your account. There is no secret to success, it is the result of preparation, hard work. Please try to come up with this form so that we can make each other happy.

This is an opportunity I won't allow you to miss. If you should miss this, it then obviously means that I don't love your progress. I know how you feel right now, but feel free because you will soon receive this loan. The fee for western union of your loan to your account is very compulsory. The great opportunity in your life is where you are right now. Every situation, properly perceived, becomes an opportunity for you. You have grand opportunities all round you. Open your eyes, and you will find it. Just believe that you have already receive this loan.Motivation is very important, but it is determination that will

make you cross the highest mountain and most difficult river.

I want you to please tell me when you will be sending the payment so that i will know how to put thing in other i promise you that this is the very very and very last payment that is needed from you. As soon as the payment is made you will get your loan funds immediately .

Regards on your kind understanding, trust and co-operation in regards to this transaction. I am indeed grateful. Hope to see your name in our monthly install-mental payer's list soonest. i can see that you are a good person that is why i am willing to help you get this loan and you have to put your trust in me and i we do my best for you and i also want you to know that the fee you are paying for is not for us is for the bank to transfer your loan to you and i love people like you because you are hard working person and i we try my best for you so just try and come up with the fee so that this transfer can be done on time and you we receive your loan with a good faith you have to believe me.

waiting to hear from you now

Thanks

Mr Olu

I keep telling him I don't have a bank account. So every time his script discusses transferring money to it, I have to object.

Quote:

Mon, Jan 26, 2015 at 6:24 PM

Mr Olu,

Why did you tell me in this email you will transfer to my account still? I am busy looking for western onion store now, and you tell me this I don't understand why you keep changing terms of loan.

Mr. Schmegma

He's getting bossy again.

Quote:

Mon, Jan 26, 2015 at 7:57 PM

The loan will be sent to you via western union so i want you to try and look for the western union shop so that i can send you the western union payment info that you will use for the payment.

Thanks

Mr Olu

I don't think there are any WU stores in my town, but maybe there's one in that other town a few hours drive away....

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