Slimy Loans Lad

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Master of Master Baiters Joined: 18 Oct 2012 Posts: 611

Ugh...I don't know why I am surprised at this point. Dirt bags, all of them! This guy is already on Scamwarners, so here it is!

https://www.scamwarners.com/forum/viewtopic.php?f=35&t=94322

So I've been baiting this guy for about 2 weeks now. My character, CW, is a single mom who is wanting a loan so she can take a course that will allow her to improve her life and give her kids a comfortable future. Of course FM approves the loan for $50,000.

So of course, there is a fee!

Quote:

Hello CW,

We got your email with the needed bank information which i have forwarded to our transferring bank for the process of your transfer,i would advise you do the online transfer by western union or via money gram.Below is my secretary information you will use to wire the $750.

Receivers Name: Om******n D***is Am****n

Details omitted

Once you make the payment you are to email me the full payment information to enable my secretary confirm your payment.

I await your email with the full payment information.

Regards,
FM.

CW is uncertain, so she replies with such:

Hello FM,

I was wondering if it would be possible for me to send you the money through a bank transfer, since it is not easy for me to get to those money stores, and I would prefer to not have to pay extra charges to withdraw money from my savings to send it. Please get back to me about this possibility. Thank you.

CW

He's an impatient bugger. First this...

Quote:

Good day CW,

We are waiting for you to email us the payment information to enable our bank to effect on your transfer today,i send you our secretary information in our branch in Ghana to wire the $750 by western union or via money gram we ask you to make the payment to our branch in Ghana because the loan you are borrowing is not a big amount which can easily transfer into your bank account in Ghana with immediate effect,our head office is located in Spain Malaga and Indian New Delhi,we also have branches in UK,South Africa and Canada.I would advice you go ahead and make the payment between now till 2 hours time and email us the full payment information.I await your email with the payment information.

Regards,
FM.

And the following day, a little bit miffed methinks...

Quote:

Good day CW,

How are you doing today i hope all is well with you and your family? we have be waiting for your email since yesterday but you never bother to respond to me back.Below is the information you will use to wire the money through bank.

REGIONS BANK:
<snipped

Account names and address:
K***n W0lf
<snipped>

Once you make the payment scan the payment slip and send to me.
Get back to me to know if you get my email.

Here's where he really begins to start showing his true colours! CW does not respond to the bacon until 4 days later.

Hello FM,

I am REALLY sorry I did not get back to you sooner. A burglar broke into my apartment today and he stole everything, including my computer! I'm at my brother's house right now until they can fix the windows, and I was only just able to use his computer today.

Listen, I need this loan as fast as possible, and I've likely been stupid about the bank account fees. Listen, I was planning to skip work and go to MG tomorrow while my brother looks after my kids. What is the info I need and would I get my loan tomorrow for sure? Please get back to me right away.

CW

Master of Master Baiters Joined: 18 Oct 2012 Posts: 611

Continued! So, of course, this is all FM has to say.

Quote:

Hello CW,

How long will it take you to email me the payment information?

Followed 2 hours later with:

Quote:

Hello CW,

why the delay your loan is set for transfer,we are waiting for the payment information,i thought by now you must have email me the reference number.

i am waiting urgent.

He deserves a goose chase for that! Doesn't he know patience is a virtue?

Hello FM,

I'm really sorry about the delay! My brother uses the computer all day for work so I have to wait until after I get off work at night to use it! You forgot to send me the transfer details again, and so I did the best I could with what I could remember. I went to MG this afternoon. The MTCN is 5******1...when can I expect the loan?

CW

He's not happy about a possible mix up.

Quote:

Hello CW,

I send you the information as you stated in your email yesterday,didn't you check before you went to the bank?

email me the sender's name:

Receiver's name:

Question:

Answer:

Is needed urgently to confirm your payment.

Hello FM,

I am SO sorry about the confusion, but it's not my fault I swear! The e-mail you sent went to spam and I didn't see it before I left for MG! The employee I spoke with was also a trainee, and took payment but when I called today they said it was cancelled because I didn't supply the state or MG location where it's supposed to be picked up from! Could you send what state Accra is in and the location of pickup? I plan on sending it express so it will be there soon!

CW

Master of Master Baiters Joined: 18 Oct 2012 Posts: 611

Sweet words to read...I love it so! Just some background, I lost the original e-mail, but he checked the first reference number and of course, it was no good. I send this explanation:

Hi FM!

Sorry about the delay once again. I decided to cancel the first transaction and just redo it since the person I dealt with before obviously didn't know what they were doing.
Senders Name: CW
<snipped>
Reference Number: 5******3
Amount sent: $750.00 USD

Quote:

Hello CW,

Your Reference Number is not correct,your transaction suppose to be finalize since two day ago,scan the payment slit and send to me now to enable my secretary confirm your payment.You are cursing the delay to your transaction this is the second time you have email me reference number that is not correct.

Really? Such a shame! Rolling Eyes

A few minutes later...

Quote:

Call the mg office tell them the reference number is not correct the other day you said it was the information,i would advise you scan the mg payment slip and send to me today,this is the
Reference Number: 5******3 you email me,you can check the Reference Number over there by yourself.Make sure you confirm the reference number there before sending it here,make sure you call the mg office or bank to explain to them.

Urgent.

So of course, Ms. CW has to defend herself!

Hello FM,

What number is the secritary giving to MoneyGram? I have the slip right here and I'm sure I sent the right number! I'll go to the library today to scan the slip and show you!

CW

He worried he offended me. He should be worried, but offending me is the least of it...

Quote:

Hello CW,

I know how you feel but you have to understand the only delay we are having is to confirm your payment once your payment is confirm your loan amount of $50 000.00 will be transferred into your bank account with immediate effect,try to call the money gram office i stated in my previous email tell them the reference number is not longing into the money gram machine to confirm the payment.i want you to call them tell them if they have posted the money to Ghana and get back to me before my secretary go the our transferring bank to confirm your payment.

The slip is sent along with this...

FM,

Your secretary must have given it to the clerk wrong, or maybe they misheard her, because the number I have is correct. Here is the slip. I'm getting a bit annoyed because I need this money and I ended up late for work today to get this scanned and sent to you.

CW

I get a few duplicates repeating that the number is no good, etc. etc. within minutes of each other.

FM,

My goodness! Don't forget the time difference, half the things you sent were while I was at work or in bed! I specifically called MG. That said, I want to know what kind of people you have working for you! I hope you aren't playing games with me, because I really need that money! MG confirmed the reference# and they said it was ALREADY PICKED UP! So why don't you go and ask your secretary what he did with it!

CW

He does not like being dollar chopped and refused to believe it.

Quote:

Hello CW,

I am not playing games with you,go to the mg office tell them to confirm where the money was pick up,my secretary can never do a thing like that,he have be working with me for years i personally went with him to confirm the payment this morning but our transferring bank didn't have access to the information,i think the mg where you send the money know what happen i personally ask you to call them yesterday you never listen to me.

He gives up on that game after awhile and decides to get greedy!

Master of Master Baiters Joined: 18 Oct 2012 Posts: 611

So he protests his secretary's innocence once more and surprise! Tax fee!

Quote:

Hello CW,

The mg office where you send the money never posted the money to Ghana that is why we don't have access to the transfer,if they insist the money has be pick up tell them to print at the country and the state where the money was pick.

I can never play game with you my secretary is very sincere,in my 42 years of lending i have not experience something like this,i want to clarify to you that this money was not pick up here in Ghana,because of the effort and your seriousness to obtain a loan from my company i have instructed the bank to effect on your transfer.

This is a message from the bank.

Attn CW ,

Thank you for using HDFC BANK PLC for transferring your funds. However, we are here to give you the very best services as a bank. As a co-operative institution with a rich history of focusing on customers, Hdfc Bank Plc consistently pushes the boundaries of traditional personal banking. Below is what is reaching us from the TAXPOLICY, They have place your loan transfer on hold not untill you pay the TAX POLICY YOUR LOAN can not be release, so you have to try as much as possible to try and come up with this fee so that your loan can reflect in your Bank account as soon as you are able to make the paymnet to the TAX POLICY.

Taxes and Levies (Approved list for collection) Decree No 21 of 1999 Laws of the Federation of India

NOTIFICATION:

From The Desk Of The Tax Commission comes This:

I am writing to notify you that funds post HDFC Bank of Ghana to you has being placed on hold by the tax office and cannot be released for you until the non-residential tax is paid by you. The non -residential tax is $3600, you have to try as much as posible to make this payment today to release the funds from hold.Note that this payment should be made before the end of this week.. The tax is required by the Federal Government and it is to check/monitor funds transfer made out of Ghana

This message is first hand and should not be igonred. If its, funds, transfer will be cancell by the Federal Government after one weeks. This should be considered Classified Unless otherwise stated by the tax officer.

Looking forward to hearing from you soon that you have paid the tax charges.
Best Regards,

SU
Non-residential tax
Accra
Ghana.

We shall be updating you on the transfer as it progressess. You need to be frequently online in order to know the out come of your transfer. Meanwhile, we will be notifying you as regards to your transfer status till the process is complete. We shall be glad to transfer your funds to your account as stated above in the Transfer Status Menu, Meanwhile you need to quickly go and make the payment on time.

Warm Regards,
Hdfc Bank Online Plc.®
Director International Online Transfer.
Phone number+34631566617

Enjoy better online banking with HDFC!!!!

Our Reputation for Service and Savings is Our Most Valued Asset!!

============================ ==========================
CONFIDENTIAL MESSAGE FROM HDFC BANK PLC

This e-mail and any files transmitted with it are confidential and intended Solely for the use of the individual or entity to whom they are addressed. Dissemination, distribution or copying of this e-mail or the information herein by anyone other than the intended recipient, or an employee or agent Responsible for delivering the message to the intended recipient,is Prohibited..
============================== ================
© HDFC Bank Plc 2005.®

You are to make the payment with the below information,do not transfer this money with money gram,transfer the $3600 through western union with the below information.

Same mule details as before

That beauty was sent twice. Confused

Anyway, CW isn't happy.

FM,

I have already lost some money on this transaction, whether your secretary stole it, or MG did. And you promised there would be no additional fees! Now you are asking for $3600? I had to dig into my savings to get the first fee amount, and I do not want to dig further into them because I still need the deposit for my course! I haven't even been able to buy a phone, or replace most of the stuff the burgalars took, and you want me to pay an additional $3600, to your thief of a secretary? I want this loan as promised, and I want it today!

CW

Quote:

Hello CW,

Your payment was not confirm here my secretary is not a thief the money gram didn't post the money to Ghana,if you are doubting me go to the money gram tell them to print at where the money was pick up,because of your commitment the loan firm has pay the transfer charges for you,this is the last charges you will be ask to come up with and you are not sending this fee by western union or money gram i will email you a bank information where you will transfer the needed $3600 for the Tax fee,the bank has effected on your transfer they are only waiting for you to come up with the tax fee to enable your loan amount of $50,000.00 reflect into your ank account,you have two working day to remit the needed amount the tax fee, i will send you the bank information where you will send the $3600 by Monday.

This is where he shows his dirtiest self! I hate him for this...pisses me right off because I'm sure there has been victims in this situation before!

Hello FM,

Well, I'll take your word for it than that it was the people from MG that screwed us over. A bunch of crooks! Thank you very much for the effort of allowing a bank transfer for the tax fee. I just have one question...is there anyway that you can negotiate a lower rate? I only have so much left in my savings, and I have to make the deposit for my course soon. I know that I'll likely get the loan soon, but I still need to buy groceries for my kids, and payday isn't for a little while.

CW

Quote:

Hello CW,

You don't have to worry about the deposit for your course and the groceries for your kids,once you send the needed $3,600[/red] for the tax fee by Monday before 12:PM on Tuesday your time over there you will have your loan amount of $50,000.00 reflect in your bank account,then you will have enough funds in your bank account to take care of any other expenses.What you have to do is to make sure by Monday you transfer the $3600 into the bank account i will email you.

He knows DAMN well that money is never coming! Even if these kids are fictional...he doesn't know that! He would ruin lives! So he can buy the latest gadgets! Anyone is welcome to help mass bait this bottom feeder scum sucker!

So he sends the same bank info as before. First, CW questions the name.

[color=indigo]FM

Who is this KW and why should I send the money to him? Why not to you, or to the Ghana Tax Department itself? Please explain.

CW

Quote:

Hello CW,

That is the account the Tax Department want you to transfer the money to because it's a trust worthy account,the account is 100% guaranty and you don't have any problem about that,i just have a phone conversation with the Tax Department Director he explain to me it is very safe with KW because they have be working with him for years now.All what you have to do is to make sure you are able to make the payment before **** your time over there,there is no doubt once you email me the payment slit i will send it to the tax department to confirm your payment immediately your payment will be confirm then our bank will be allowed to complete your transfer in less than 2 hours your loan will reflect into your bank account with out any delay.

So i will be on standby waiting for you to send me the payment slit in less than 4 hours.

So CW tries, and is told the account is flagged for fraud!

FM,

What kind of company is this and what kind of people do you have working for you?! Do you really think I have time for your games?! Are you just some con artist? I went to the bank today to transfer the money, and they tell me they can't do it because his account is flagged for fraud! Did you not read where I said I needed the groceries for my kids?! How I'm trying to improve my life?! What is going on!? EXPLAIN YOURSELF!!!!

No emotion whatsoever. No remorse. I get this garbage.

Quote:

Hello Crystal,

I am very surprise with your statement this is not my account is the account the Tax department email to me i think your bank is wrong about that for them to said the account is a flagged for fraud,i don't know how you could think i am playing games with you,i am a register loan lender with years of experience,what you have to understand in life nothing good comes easy.what you have to do is this go to your bank withdraw the $3,600 split it into two send $2,000 via western union and send the other $1,400 via western union use the other $200 for what they will charge you in your account to withdraw and send it,i will complete the $200 for you here,i am doing this to prove to you how much i want your happiness,do not worry about the western union i will personally confirm your payment by myself and send the money to the tax department,do not transfer the money with money gram.

I would have email you my bank information to transfer the funds that will delay the transaction because it will take a couple of days for the funds to reflect here this is the reason why i want you to use western union to transfer the funds because is very fast and reliable do not go to the money office where you transfer the $750,and don't transfer with money gram go to any other western union and transfer the money.

Below is the information you will use to wire the funds via western union.don't worry about this information i will personally confirm your payment.

Same mule details AGAIN

Once you make the payment scan each of the payment slit and send to me to enable me confirm your payment,once your payment is confirm i will send it to the tax office immediately my bank will be allowed to complete your transfer in less than 2 hours your loan amount of $50,000 will reflect into your bank account,but you have to promise me once you get your loan you will introduce more client to me.Use the same information to wire the money via western union.

so i will be on standby waiting for your payment slits.

FM.

FM,

I don't want to send the money to your secretary again. $3600 is a lot of money and I don't want to risk it disappearing again! You're a businessman...find a valid bank account and make this happen for me! I don't understand why you insist on jerking me around like this! So either find me a valid bank account or give me someone more trustworthy to WU the money to!

CW

Any other takers? Evil or Very Mad

Posted: Wed Feb 04, 2015 4:13 pm

Dear gigglesworth,
Could you please PM me his address? I've just lost two lads after 7 months' work, so this guy sounds like fair game. Thanks.

Posted: Wed Feb 04, 2015 4:21 pm

^^^Click the link to the SW post in the first post.