Marc Culbert <[email protected]

Good day,

To Whom it may concern.

Are you in dire need of loan or investor?

We are the access to your financial freedom.

We offer the following financial services outlined below:

1). Business / Start up capital loan

2). Home / mortgage loan

3). Auto / car loan

4). Student or tuition loan

5). Personal / Home refinance loan

6). Investment and partnership.

We also offer trade finance to corporations and we participate in
trade and project financing.

For more informations and application, Kindly fill in the loan
application form below in order for us to send you the repayment terms
and conditions:

Full names:

Age:

Gender:

Address:

City:

Country:

Postal code:

Telephone number:

Occupation:

Amount needed:

Purpose of loan:

Loan duration:

Monthly / Weekly income:

Have you applied for a loan before:

We kindly require these informations from you to enable us commence on
your transaction as soon as possible.

Thank you for your patronage, our goal is to meet all financial needs
and make sure we give you the best service quality, customer service.

We await your swift response.

Has anyone had any dealings with this company? They seem legit but I've been fooled before. Thanks for any help.

I'm sorry that nobody responded to the original post. We did not realize it was a question--we thought that you were posting it as a confirmed scammer, and therefore no further explanation was believed necessary.

They definitely do not look legitimate. They are as fake as they come.

The English is consistent with an African, the approach is typical scammer, and the email address is a free address just like any gmail or yahoo address--which a legitimate lending company would NOT use.

The website they have listed: http://financialaccess.gnbo.com.ng/ is a definite FAKE. Our site killers will investigate it further and see if they can get it taken down.

Looking at the website:
-claims to be in UK but note this statement on the bottom: Powered by Get Nigerian Business Online
-Uses a redirect phone number, one that can be forwarded anywhere in the world. Legitimate UK businesses do NOT use these phone numbers - they are also more expensive to call.
-claims to be in existence since 2001, but website was registered in 2011.
-Looking up the claimed address, it is residential, not business.

Are all these people scams? Are there any legitimate Hard Money Lenders out there and how do you find them?

Here is what he just sent me back:

Hello,

I do not understand what this means?

What is all these suppose to mean? I do not understand what you are insinuating?

here is a copy of our company accreditation letter and we are licensed
under BBB as well.

So kindly get back to us with what we require from and if you know you
do not need this loan, let us know because we have so many people we
are processing their loans.

So if you are not interested, let us know because we are not here for
the games or jokes you are playing.

You will find some useful information in this link.
http://arixacapital.com/about-us/hard-money-lending-faq/

It is unwise to request a loan from someone that you haven't physically checked out for a proven track record.

Some tips for finding lenders are outlined below. The text is taken from the site link that I have posted above.

Attend real estate events held in your local area;
Ask other real estate investors;
Search online;
Through industry publications;
Ask mortgage brokers to refer a lender;
Seek referrals from real estate brokers and attorney specializing in real estate transactions.

http://financialaccess.gnbo.com.ng/home

89/53 Holyrood Road, Edinburgh
Edinburgh
United Kingdom
EH8 8BA

Powered by Get Nigerian Business Online

The address also appears to be a residential apartment in a building which is likely to have no association with the scam. The scammer does not understand the relevance of the numbering system used in the address.

The website doesn't comply with UK legal requirements for financial service providers and, I could check to confirm that they aren't properly licensed, but I don't need to. They don't quote their registration details.

We typically do not recommend confronting scammers--they already knw they are scammers, and they will only lie to you anyway.

With that said, the English in the response is clearly African, and the response itself is typical of a scammer.

I especially like this part:

here is a copy of our company accreditation letter and we are licensed under BBB as well.

As Terrance has already indicated, a legitimate UK business will have their registration number posted on their website. It is required by law. A company that fails to do this can get into trouble with the law. But a scammer can't do that because he doesn't have a compan yat all. If they post a fake registration number or one that belongs to another company, they will be proven fake even faster and their website will be taken down sooner. So instead they send you a fake letter to try to keep their website alive a bit longer.

And the BBB (Better Business Bureau) is a US non-government organization that basically tracks complaints against businesses and helps consumers to find out if a company has a good reputation. BBB does NOT license businesses. Businesses are licensed by the government. Scammers don't actually have a real business, so they don't know (or care, really) how these things work.

Hello,
I was contacted by Marc Culbert, and upon Googling him I ended up on the Scamwarners site.
He now uses a site at: http://financialbureau.devhub.com. Upon addressing him regarding issues with his site, which seem to be better now, he responded by saying that the site was being used by impersonators and that he is the CEO of Financial Bureau, plus that he supposedly reported them to authorities . He did not reply to my request for a registration number or an alternative method of transferring funds vs using my bank account, which I've been made aware of through here is money laundering.
Methods of communication have been mainly texting, some email, although he did call me once. Wondering if reason why when he sends a longer text to me, the captions/sections are out of order.
If you wish to investigate, his address is at 67 Harwood rd., London, UK SW6-4QL

http://financialbureau.devhub.com

The telephone number is a personal redirect number that can forward calls to any location in the world. These numbers are use to hide the true location of the scammer.

67, Harwood Rd,
London , United Kingdom SW6 4QL
Phone: +447024021759

The website is in the process of being reported for fraud.