First Bait, First Piggy (ongoing)

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Not quite a Newb Joined: 04 Oct 2014 Posts: 38

Hi all!
Firstly, my mentor Duckling is freaking awesome, very good at what he does!

This is my first bait, recieved via the transit service from the eater. Initially i was going to take it slow and keep a straight-bait going but once I could smell bacon I got impatient and went for the piggy! It paid off but I think I'll need to learn to slow it down in the future.

First Lad:

Quote:

Welcome to Allstate International Holdings A.I.H LLC. Here all problem regarding loan is solved between a short period of time. With a low interest rate of 2% and loan duration more than 15 years and above. What are you waiting for ? Apply now and solve your problem or start a business with our fast loan.

Say no more to High Bank rate and Collateral Bargain. Apply for 2% loan and get money in your bank account instantly without any fixed collateral. Trust Allstate International Holdings A.I.H LLC. to provide one final solutions to your finances.

For more Information, Kindly Email us: [email protected]

A.I.H LLC. We are efficient,Dynamic and Reliable.

TYPE OF LOAN SERVICES.

# Bad Credit Loan
# Consolidation Loan
# Debt Consolidation Loans
# Fast Consolidation Loans
# Finance Loans
# Home Loans
# Loans To Clear Credit Cards
# Loans for Any Purpose
# Poor Credit Loan
# Quick Decision Loans
# Secured Homeowner Loans
# Self Employed Loans
# Loan Providers
# Finance Blog
# Tenant Loans
# School Loans
# Business Loans
# Wedding Loans
# Constructions Loans
# Auto Loans
# Company Loans
# Secured and Unsecured Loans

For more Information Kindly contact A.I.H LLC. Head Office

**Powered by ** A.I.H LLC. Holdings **

Me:

Quote:

Hi

I'm interested in borrowing some money, but I have bad credit history. If i apply for the loan, and get denied will it lower my credit rating further?

Lad:

Quote:

Does my credit score affect my loan?

Here at A.I.H LLC there are no exception. You can apply for a loan from our company no matter how low is your credit history. We do not mind if you have bad credit or not. So you are entitled to get a loan from us no matter what your credit history is whether good or bad.

So if you want a loan from our company i advise you now to please fill out the loan application form and send to us a copy after filling the form so that we can get started with your loan processing as soon as possible

Me:

Quote:

No worries, thanks for clearing that up!

I dont live in the US - is that a problem?

Me:

Quote:

No matter where you live. Our loan is opened to any applicant and loan seeker all over the world. I regards to your credit issue. We do not mind if you have good credit or not. One of our loan insurance company will be responsible to guaranty your repayment of the loan.

We do not operate like the way banks operate. We make our loan easy and affordable that why we have so many customers in our company. We maintain a very good friendly relationship with our customers and so you do not need to worry. Just tell us what your problem are and we will always have a way to assist you.

Please first you have to fill the loan application form document sent to you and email us a copy after completion so that we can document and have your loan processed as soon as possible. Also you have to tell us how soon you want this loan available in your designated bank account in any country in the world and we will make sure it is available even before then.

We hope to hear from you soon.

Me:

Quote:

Hi,

I've attatched the application form as requested. As you can see I'd like a $150,000

loan before Christmas. Im in Australia. I'll need the loan in 4 separate accounts, but deposited three days apart from each other.

Thank you

^ To clarify, i didnt fill out the form or send anything back, this Lad isnt paying much attention...

Lad:

Quote:

Thank you for your email .please read the loan terms and condition that will be sent to you soon and if you agree we will start the transfer of your loan into those bank account.

Lad's Terms and Conditions:

Quote:

Please find below the loan terms and condition and other details you need to pass before your loan transfer can commence to your bank account as soon as possible.

CONDITIONS FOR THE LOAN

You must make sure you understand the conditions for this loan you are about to secure from us, before we then proceed to the processing and Transfer of your loan amount into your bank account. Right now your loan amount is already available for transfer and the transfer will only take place depending on the time you meet with the final requirement as required by our company management boards of directors.

1. The loan must be insured: The insuring of the loan amount will be done by the Borrower who is seeking loan from our company. Therefore the borrower will be responsible for the insurance fee incurred by the loan insurance company involved in this transaction...

2. Time of duration: The borrower must pay back at the rate of interest rate of 2% within the stipulated time of the loan duration. The repayment of the loan interest is supposed to be at the end of every calendar year depending on the particular month which the borrower first got the loan. That is to say the repayment of the interest is once in every year at 2 % interest rate calculated once in every year until the total years of loan duration is completed.

3. Upfront fee: All other fee like the loan administrative and processing charges must be handled by the lender which includes: - Apart from the Loan Insurance fee which the borrower must handle by on its own.

4. Transfer of the loan: The lender must be responsible on how the transfer should be made; therefore the borrower will not be be responsible for the transfer/admin processing charges of the loan.

5. Particulars: The borrower must provide either of the following:-A Driver's License, An International passport, Or a valid Identity Card bearing his/ her name.

LOAN TERMS & REPAYMENT SCHEDULE

Loan Balance:

$ 150,000.00 USD

Adjusted Loan Balance:

$ 150,000.00 USD

Loan Interest Rate:

2.00%

Loan Fees:

0.00%

Loan Term:

10 years

Minimum Payment:

$ 0.00

Yearly Loan repayment:

$ 3,000 USD

Number of Payments:

10

Cumulative Payments:

$3,000

Total Interest Paid:

$ 30,000

Note: The yearly loan payment was calculated at 10 repayments of $ 3,000 USD applicable every year.

Which means you are expected to repay back to our company $ 3,000 USD every year.

Please understand that before we can proceed with your loan transfer you will be required to first insure your loan with any of the three (3) loans insurance company listed below.

The insurance of this loan is to enable us keep record and make you get assistance with the repayment of your loan from any of this three companies in case you are unable to repay at the expected time of repayment.

The Loan insurance company will stand as your guarantor and if you are unable to repay back the loan they will repay back the loan to us at when due. We are ready to transfer this loan amount to you because it is very much ready here in our bank account but we also want a very strong Guarantor which you are expected to choose among this three insurance company. A Guarantor that will stand for you in case you are unable to repay the loan.

We need you to agree to get one of the three listed Guarantor and pay any of the fee you can afford at the moment before we can make the transfer to your bank account. So we advise you to choose any of the insurance company listed below and pay their Insurance premium to insure your loan amount before any transfer can take place to your bank account.

So here is the list of the three (3) loan insurance company. Please choose any one of the three and get back to me as soon as possible.

1. Liberty Group Ltd: A very good and reputable insurance company.

They are located in the Eastern Cape in South Africa. They will offer you a wide range of insurance security cover and 100% insurance benefit if you have to insure your loan with them. They will be responsible for the repayment of the amount of debt you have to repay back in case if you fail in any way to repay backs the loan. Just in case you have difficulty in repayment at the end of the loan duration.

They will also help you to repay your loan with a favorable start from the very beginning to the final year of your loan duration.

Thus our company will get part of the capital plus interest each year from them every year.... Even if you are still not able to repay back the loan at the end of the period of 10 years total loan duration.

They will pay back the entire loan interest to us as well as the capital of the loan. But requires you to return the loan to them in much more convenient way.

For example: If we transfer you your loan amount of $ 150,000.00 into your bank account today. Then, after 10 years you are unable to repay back the loan and interest amount.

Liberty Group LTD will be responsible for the repayment of the loan amount as well as the interest directly to our company starting from the following year the loan was transferred to your bank account. Liberty Group LTD will now be in control of receiving the loan amount anytime you are able to repay back to them. That is their duty as a loan insurance company.

This insurance company will repay the loan back to us and you can still keep the loan before you can repay back to them. However, on the other hand requires you to always have updated insurance fee that you paid for each additional year that begins after the 10 years of the end of the loan duration. While they also hold, you put your money in the bank is considered by some the definition of money every year. This is only applicable if you are not able to return the loan at the end of the loan period of 10 years.

If you decide to insure your loan with Liberty Group Ltd then you are expected to pay an insurance fee of $ 2850 for them to insure your loan amount of $150,000.00 for you.

2. Guard risk Insurance Company Ltd:

This is another very good insurance company, we also trust. They are located in Pretoria. Similarly, we know that they will charge you only $ 2700 for them to insure your loan amount of $150,000.00

Benefits: They will be responsible for repayment of the amount of your interest (one-half of your interest) that we charge you.

So you will not have the problems of repaying the remaining interest to us. But if you still find it difficult to repay back the remaining half of the interest at the end of the duration of the loan after 10 years. They also help you to repay back the loan and interest in full and provide you with an additional grace period of 24 months to repay back to them but if after 14 months have passed and you still are not able to repay back extra grace period of 14 months.

They will then conclude an agreement with you and your bank, to always deduct your bank account a certain amount, starting from the date on which the period of 24 months expires. Thus they will help you manage your finances so that you will be able to always have something to save until you repay back the loan to them.

But this only applies if you cannot repay the loan back at the end of the period of 10 years loan duration.

3. Rand Mutual Assurance Company PTY:

This is another good insurance company based in Johannesburg, and they have a good relationship with our company. They will charge you an insurance premium of $ 2500 USD for them to insure your loan amount of $150,000.00

Benefits: If you insure your loan with this loan insurance company. They will pay your full loan interest. All you have to do is pay only the capital of the loan. That means you will only be liable to pay the amount of the main loan of $150,000.00 only to us while the interest for 10 years will be paid by them.

They will pay any settlement of interest to us at the end of the duration of the loan. But after 10 years, you will then return the Interest back to them.

They do this to keep your loan is more than up to 10 years so that you will not have no problem repaying the loan. If you can repay the loan at the end of the first year. Then only requires you to pay only $150,000.00 back to us, as long as you pay back the interest after 10 years.

That is why they charge you high for the insurance money collection. This insurance company, which not only insures your loan, but also insures your interest in helping you to pay your interest until the end of the duration of the loan.

Like you already know that your payment of interest, which assumes that you pay for each year is 3,000 USD which they will pay 3,000 USD to us each year until the end of the period of 10 years, but you are only to pay the insurance fee of $ 2500 to them and then after you get your loan and save yourself a voltage interest

of 3,000 USD each year.

But after 10 years, you still are not able to repay the capital of loans to us; they will also help you pay capital + pay interest but charge you another $ 2500 each year before you can pay back to them.

Then they also conclude an agreement with your bank to hold a certain amount from your bank account if you cannot pay the capital of a period of 10 years. Until all payments have been paid to them.

As agreed we have already prepared your loan amount and are fully ready for transfer to your designated bank accounts.

To speed up the process with the loan transfer we kindly ask you to please choose one of the loan insurance companies so we can finalize this loan transaction as soon as possible. You will be expected to also send the payment of the Insurance premium to any of the insurance company you choose.

So please I ask you to decide on time and send us an email so that we can contact them and tell them you have chosen to insure your loan amount with them.

Remember you will be required to pay the insurance fee on any of the insurance company you decide to choose to insure your loan amount and this insurance premium that is required for you to pay is to enable you secure an insurance certificate from them so that they can agree to insure your loan. All our company need is for the insurance company to agree to insure your loan and after that we will move ahead with the transfer of your loan to your bank account.

Please send down your 4 full banking information that we are going to use to make the transfers to you.

I await an urgent responds from you as soon as possible

Thanks and Best Regards

Sir Robin Mischeff

^ This lad is going by "Sir Robin Mischeff" which sounds like he's having a larf.

Me:

Quote:

I agree to these terms and conditions. Thank you so, so much,this loan will save my business from bankruptcy!

I would like to choose Rand Mutual Assurance Company PTY: as my insurance provider.

I have secured a cash loan for the full amount of $2500USD in order to pay the fees as soon as possible in order to get the full loan by the required time.

How do I go about payment of the fees? I would like to get this sorted out as quickly as possible.

Lad:

Quote:

The loan will be available to be transferred to your bank account if you need the loan today. So the only thing that you are expected to do is pay the insurance fee to any of the insurance company you choose today and as soon as that is done.

The insurance company will insure your loan for you and we will start with the transfer of your loan to your bank account.

Please let me know do you need this loan to be transferred today ?

Can you pay the insurance fee today so that they can insure your loan ?

Let me know what you want us to do for you today because your loan amount is already ready and waiting to be transferred to your bank accounts as soon as you are ready .

I awaits an urgent responds from you as soon as possible.

^ At this point I was starting to think there might be a piggy in the making, so I decided to go for it.

Me:

Quote:

Hello,

I require the sum of the loan in a month, but I can pay any fees immediately in order to get things proceeding as quickly as possible. Do I pay the fees to you, or directly to the account of the Insurance company?

Please provided me with details as soon as possible, as I'm going to work in 20 minuets

Lad:

Quote:

You have to send the fee to the agent in charge of the insurance company. Can you send the fee over to them today ? So that they can insure your loan today and we will be left with the transfer only ?

Can you pay today ? Do you have the money to pay the fee today ?

Let me know so that i can send you her details.

Me:

Quote:

yes, i can pay immediately, but require details on how to pay

Lad:

Quote:

You can send the payment to Mrs. Lindiwe Makhubela by MoneyGram or Western Union Money Transfer . She is the Agent in charge of insuring your loan and

She work for the insurance company. She will get the money and pay directly to the insurance company to insure your loan.

Please let me know as soon as you make the payment and let me know which means the payment was made.

Below is the Western Union or MoneyGram payment details below

Receivers Surname : XXXXX

Receivers other name : Lindiwe Elisa (LE)

Receivers Country : South Africa

Receivers State : Gauteng

Text Question : 2+5+3

Text answer : 10

So you can decide whether to send the payment by Western Union Money Transfer or by MoneyGram.

Send down a scanned copy of the payment paper when you finish with the payment so that i can forward it over to her.

I hope to hear from you soon as soon as the payment is made.

Me:

Quote:

I'll have to go to WU on the weekend, the loan i got was in cash. This will cause me some problems

Lad:

Quote:

What about MoneyGram ? Can you not go to MoneyGram ?

Me:

Quote:

Its in physical cash, I'll have to go to the bank on the weekend to deposit it to a bank account. I can direcelty deposit it to a bank account? Not sure if thats possible, but if you have an account I can get it to you within an hour

Lad:

Quote:

I have a business account registered under the government name. Can you send it to a business account ? let me know if is possible so that i can send you a business account. This business account belongs to our management Mr. Joel Abel. He uses the account for international transaction.

Can you send it to a business account ? How long do you think your bank will make the money available for pick up ?

^ Here piggy piggy piggy...

Me:

Quote:

I can send to a buisness account, I can organise the transfer within an hour.

^ In hindsight I should have said something longer, like 24 hours

Quote:

Thank you for your email. You can send the payment to this account. Once you are done please send me the payment slip or paper from the bank so that i can forward it over to the insurance company as soon as possible.

Bank Name : FNB

Account Name : Joel XXXX

Account no : XXX-XXXX-XXXX

Branch : Century City

Swift Code : XXXXXXXX

Country : South Africa

use the details above to send the payment.

Me:

Quote:

Thanks, I'm organising payment with my accountant now

Lad:

Quote:

Please let me know as soon as the payment have been completed.

Me:

Quote:

You said you can send the transfer before 1 hour. Its past 3 hours now and i have not heard from you. Please reply back as soon as possible if you are done with the payment.

^I had gone to bed, oops Smile

Me:

Quote:

The payment has been made and the funds have left my account.

Lad:

Quote:

Thank you for making the payment. please send down to me the payment paper you use in making the payment so that i can forward it over to the Insurance company.

Also let me know how much did you pay ? Send me a copy of the payment paper as soon as possible.

Me:

Quote:

I paid US$2500 to the account provided

Lad:

Quote:

Please send me the payment slip or payment paper you use in sending the payment so that i can forward it over to the Insurance company. I need you to please send me the paper for payment at your bank.

So this is where I'm at with the bait. Any comments or criticism would be greatly appreciated!

Thanks,
DrChopp

Posted: Fri Oct 10, 2014 12:48 am

Congratulations and welcome to the Swine Herders Guild!

Please xxxx out the identifying parts of the bank account. This forum is not behind a login.

Have you sent the information to Duckling or a Mod?

Nice work... Very Happy

Not quite a Newb Joined: 04 Oct 2014 Posts: 38

^^^Thanks mate!

I've made the changes, hopefully its all good, let me know if I've missed anything Smile

Sent it to Duckling, hopefully its all good and I can add the coveted swine to my sig!

No need to quote the message directly above yours. Sorted now. bware419ers

Posted: Fri Oct 10, 2014 1:37 am

Joel xxx and I think you'll have it covered. Laughing

I think a pig in your sig looks oinktastic!

Posted: Fri Oct 10, 2014 2:19 am

Way to kick the lad in the eggs and yank his bacon. Thanks for the "clean up" of your posts.

I cleaned up your "quote."

Not quite a Newb Joined: 04 Oct 2014 Posts: 38

Thanks fellas! Very happy with my new swine! I'll see if this Lad has another account he'd like me to have shut down for him!

Posted: Fri Oct 10, 2014 4:07 am

OINKTASTIC!!

Well done, DrChopp!

Regardless of how you play it from here, keep in mind YOU are in control of this, not the lad. So, you have to get a slip? Fine. You'll head back to the bank in a day or two after all of the major work you're doing lightens up. The teller has great news! You don't need a slip - just let the receiving bank know it's coming! Or... Gosh, they said it would be there on Monday because it takes a few days, and your bank doesn't give out paper slips. What?? The money didn't arrive? Give it another day. I'm sure it will.

Or, heck, you decided to head out of town with your wife/son/grandmother for a few days. What slip?

Wherever you decide to take it, be sure to sit back and celebrate the pain you're causing this lad!

Posted: Fri Oct 10, 2014 4:40 am

I thought I smelled bacon. Well done, mate, and thanks for publishing this!

Posted: Fri Oct 10, 2014 6:10 am

Mmmmmmmmmmm Bacon, just in time for a morning fry up.

Congrats DrChopp.

Not quite a Newb Joined: 04 Oct 2014 Posts: 38

Thank you for your kind words everyone! It greatly pleases me to think of this Lad checking his account for the easy $2500 he thinks is on its way haha!

And thanks for the suggestions Kitty, will definitely take them on board! Very Happy

Posted: Fri Oct 10, 2014 6:32 am

Excellent job! Nothing like the smell of bacon in the morning Smile

As Kitty pointed out, there are many reasons why the money is going to be delayed in getting to the lad, and just as many reasons why you can't provide a transfer slip.

Posted: Fri Oct 10, 2014 8:46 am

Congrats on the bacon,may there be many more beers!

Not quite a Newb Joined: 04 Oct 2014 Posts: 38

Cheers mate, very pleased - hopefully i'll sniff out a second one soon Very Happy

Posted: Fri Oct 10, 2014 9:33 am

Do I smell bacon? Congrats!

Baiting Guru Joined: 19 Mar 2012 Posts: 5373

Very nice!
Thumbs up

419Eater is my life Joined: 27 Aug 2014 Posts: 482

I have a thing for red heads lol

Posted: Fri Oct 10, 2014 1:19 pm

Enjoyed your nice tone with the lad. Nice and steady, keep him waiting. Looks like you will be looking to build a sty very soon.

Posted: Fri Oct 10, 2014 3:08 pm

Congrats on the Piggy. Very Happy

Posted: Fri Oct 10, 2014 3:14 pm

DrChopp wrote:

I can send to a buisness account, I can organise the transfer within an hour.

Nice work!!

I always use almost that exact response! Remind him that you did "organise" it in an hour...it just takes the bank a bit longer to see it through, sometimes even days, ESPECIALLY with international transfers, and that's all out of your control...

Not quite a Newb Joined: 14 Jul 2005 Posts: 41

Just locking for the moment.

PM me with any questions.

Thanks.

Not quite a Newb Joined: 14 Jul 2005 Posts: 41

Carry on.

Posted: Fri Oct 10, 2014 6:26 pm

Well done on your first pig - you have played it differently to me and I'm interested in your next move. I just said the bank accounts didn't work or were restricted. On the 3rd occasion my lad has got a little cross and told me I am "a bundle of liar"..... perhaps I should have made payment like you and then have a saga with the slip Embarassed

Not quite a Newb Joined: 04 Oct 2014 Posts: 38

Thanks for your kind feedback everyone, its much appreciated!

As some may know this lad found his way to this thread. He will still have the ability to read this, but he hasn’t twigged yet. After discussing with Duckling we’ve decided to continue this thread as its value as a learning experience out-weighs the risk.

Initially he became short and to the point, asking only for the bank slip, then he said he'll need a phone number to continue communication. I ignored the request for a phone number and continued with the emails. Im discussing my next move with Duckling, so any advice is very much appreciated!

Posted: Fri Oct 17, 2014 4:55 am

How is that second piggy coming? Baits get rumbled, unfortunately. It happens to all of us. I might suggest, when posting an ongoing bait in the future, you simply provide a link to the lad in Surplus and/or SW. That way, if he searches his addy, it won't show up.

As for advice? Deny, deny, deny!

Posted: Fri Oct 17, 2014 11:56 am

Dr Chop

Your bank had a fire at head office.
http://www.theglobeandmail.com/news/national/fire-knocks-out-power-in-downtown-calgary-restoration-could-take-a-week/article21075839/?cmpid=rss1

Here is a week of lad pain for you to use.

Congrats on the Piggy

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