Dreams Loan Service

I had a reply from a so called company who seemed legitimate at first, but not sure now.
They also said that they never charge fees before people get there loan.
But I am skeptical.
This is the email.
I am scared that they could get into my bank and remove my funds.

After the estimation of your income for the stated loan duration
mentioned. We have deem you fit for the loan and you have been
approved for the loan with the sum of Loan Balance:$15,000.00USD with
the approved number: EJ72487540072011

Below is the monthly installment repayment for the approved loan amount.

Loan Balance: $15,000.00
Adjusted Loan Balance: $15,000.00
Loan Interest Rate: 5.00%
Loan Term: 4 years
Monthly Loan Payment: $345.44
Number of Payments: 48
Cumulative Payments: $16,581.09
Total Interest Paid: $1,581.09

Note: Your monthly loan payment was calculated at 47 payments of
$345.44 plus a final payment of $345.41..

In case you don’t understand the monthly installment payment, please
don’t hesitate to ask.

You are require to provide a scanned copy of your proof of Identity to
enable our security department verify your ID.

You are to provide us with your bank details below to enable us
proceed with your loan transfer immediately.

Name of Bank:
Account holder:
Account number:
SWIFT CODE / routing number (optional):
Institution Number:
Account Type:
Bank Phone :
Bank address:

Awaiting your swift response.

Mrs.Receese

You have good reason to be concerned.

I have no doubt this is a scam.

First of all, the interest rate is ridiculous. Personal loan interest rates are much higher than 5%--someone with excellent credit would be lucky to find one under 10%.

Second, requesting bank details and ID over email is typical scammer, and no legitimate business would do it. Email is not secure, period. It is not to be used for sending sensitive information, and a legitimate lender would never do it.

Third, the writing just screams "African."

In the end, the only money changing hands will be yours--to the scammer.

You need to cut off all contact with this scammer immediately. Do not confront them or demand explanations--that will only lead to more lies. Please post the email address this scammer is using, as well as any websites if there are any.

This is the email address:
[email protected]

No website