[email protected] [email protected]

Dear 
 
  Below is a breakdown of activities during the course of processing your loan request.
 
1. When your bank account information is received, the loan approval process will commence – the loan agreement contract will be made available immediately. 
2.  When your loan agreement contract is available, all relevant documents will be sent to you (via email) for signing and endorsement; you will print, sign and scan back. 
3. You will then pay loan insurance premium which is 0.7% of the loan amount of 250,000.00€ making a total payment of 1,750.00€ to the bank account nominated by our lawyers; you are required to pay through the solicitor because you are not Italian by nationality. Lawyer must sign a surety for our international clients, hence the need to channel insurance premium payment through them.
4. Upon confirmation of insurance premium funds, payment receipt will be issued and insurance process will be completed. Our funding bank will immediately be your status and immediately wire funds to your bank account stated chosen by you. 
5. Funds will be delivered in 2 to 3 working days. Capital will be released to my coffers as soon as I am able to process your loan approval documents.
6. First payment will be due after the end of the 3-months grace period. Loan APR (Annual Percentage Rate) is 3% and your loan breakdown is as follows:
 
Finance: 250,000.00€
APR: 3%
Term: 10 Years
Monthly Payment: 2,414.02€
Number of payments: 120 Payments
Interest Paid: 39,682.23€
Cummulative Payment: 289,682.23€
 
Note: The monthly loan payment was calculated at 120 payments of € 2,414.02. Attach document is the complete break down of the repayment.
 
 Further conditions will be outline in the loan contract. You are required to supply your bank account information, including:
 
Bank Name
Bank Address
Account Name
Account Number
IBAN Code
SWIFT Code
 
 I will be happy to answer any other question(s) you may have. Thank you for your time and have a great day.
 
Regards,
Mr. Gianluca Pavanati.

[email protected]
[email protected]

Now that we are done with the insurance process. We need to complete the Loan Tax payment clearance process.
I have an appointment with the Tax office (INPS) and CONSOB department by 10:30am today for the Loan Tax Clearance certificate because the insurance company advise we get the Tax certificate before going to the bank for transfer to avoid problem or delay.
The bank will need to see the Tax Clearance payment receipt before the transferring of the loan amount of 250,000.00€ into your bank account.
 We both are responsible for the Tax payment. (Loan Company / Loan borrower).
The Tax payment is 3.7% of the loan amount of 250,000.00€ which is a total amount of 9,250.00€.
If making the Tax payment is possible on time today, the bank will complete the loan transfer immediately.
Normal bank transfer is within 2 to 3 working days, Fast internet banking transfer is within 24 hours.
I wait your fast response.
Thanks
Mr Gianluca Pavanati

The bank will concluded your funds transfer immediately after we have complete the closing cost process.
I have a meeting with company management today and the company lawyer, the company demands the closing cost payment of 12,750.00€ before the loan transfer of 250,000.00€ into your bank account.
 I am glad to inform you that you will only be able to confirm the transfer made to your bank account with the 11-digit alphanumeric transaction code that will be issued us once the loan closing cost is received.
The loan closing cost is the sum up to Loan origination fee, Credit report fee, Document preparation fees and Recording fees. It is a total of €12,750.00.
 It is required by law that the funding company must receive closing cost payment before the loan borrower have the access of the loan amount approved by Loan Company
To this end you are immediately required to pay the sum of € 12,750.00.
This is required immediately so that the parasternal that recorded the deed of trust and the warranty deed can release the code for us to confirm the loan transfer.
Please I need your understanding to enable us have a successful loan transaction. This loan amount of 250,000.00€ is already available at the transferring bank.
I will advise you response immediately you this email because we need to complete the loan transfer within 48 hours.
 
Regards,

[AlanJones]

It is definitely a scam - legimate lenders do not use free email addresses such as the ones in your post. They will also not ask for upfront fees. There is no money, they just want to steal the fees thatthey are charging you.

In order to be allowed to lend money in your country, any lender must be authorised by your country's financial regulators, there are no exceptions to this and there is no such thing as international lenders or private lenders.

If legitimate high street banks (and credit unions etc) in your country are not willing to lend you money, then no one else who is legitimate will do so - especially not at a 3% APR interest rate.

To make what AlanJones says very clear.

You aren't dealing with a lender.

You won't get a loan.

Any fees you pay will be stolen.

thanks

the original first email

Hello
I am a loan originator for Prestito Online Group Finance S.P.A. We represent a group of investors and also cooperate with banks to provide loans for our clients.
We are a registered financial entity in Italy with an international license that permits us to provide credit to individuals and corporate bodies anywhere across the globe. We can raise up to €50 Million euros to finance different kinds of projects.
Contact us Now
Info
Email: [email protected]

his/her alias names used in scam

Fredrick Barry
Rosaria Bracale
Ann Ikhena

and his web adverts

Hello .

Accept a low rate (4.4%) Business Loan / personal loan for your new car,
Debt Consolidation, Home improvements, family holiday, marriage purposes
you name it and its yours. I offer a quick and free loan information
service to fasten the application process.

For a Personal Loan
- Choose Between US$10,000.00 and US$200,000.00
- Choose Between 1 and 10 years to Repay
- Accept a Low APR of 4.4%

For a Business Loan
- Choose Between US$100,000.00 and US$2,000,000.00
- Choose Between 1 and 10 years to Repay
- Accept a Low APR of 4.4%

Contact Info
Email:[email protected]
Tel: +393274762216 or +39 327 476 2216

his email sign used

Mr Gianluca Pavanati

Mediator,
Prestito Online SPA
[email protected]
[email protected]
Tel +39 388 053 6934 or +393880536934

so in the end big on promises little on delivery

Mod Note: This post was by the scammer himself or an associate in order to continue his scams. He is trying to keep what victims he may have.

TESTIMONY ON HOW I GOT A LOAN FROM THIS COMPANY.

I am Mrs Veerle van by name, i am a citizen of Netherlands, base in Torino.
i have been looking forward for a genuine loan company for the past 5 months and all i got was group of scams who made me to trust them and at the end of the day, they duped me of 12,350 EUR without giving anything in return, all my hope was lost, i got confused and frustrated, I find it very difficult to feed my family, i never wanted to have anything to do with loan companies on net again, because i never trusted any loan company since i was scammed, so i went to borrow some money from a friend, i told him all that happened and he said he can help me, that he knows a loan company that can help me, that he just got a loan from them, he directed me on how to apply for the loan, i did as he told me, i applied, though i never believed but i tried and to my greatest surprise my loan was granted to me after 6 working days, i could not believe, i am happy and rich again and i am thanking God that upon this scams all over the places a genuine company like this still exist,
That was how I come in contact with this Man Called Mr Gianluca Pavanati.
I am so surprise to find this comment above.
I HAVE TO INFORM THEM BEFORE PEOPLE DESTORY HIS REPUTATION. GOOD FOR NOTHING PEOPLE UNGRETAFUL PEOPLE.

^^^^^Welcome Scammer, I've edited your post to identify yourself as whom you are. You are the scammer himself.

How I know?? I will not tell you.

Fake loan ads posted all across the World.

Business loan offer (a free service)
Region: All Russia


Additional Information: For Personal Loan * Select between the United States and the United States $ 100,000.00 $ 20,000,000.00 -Select between 1 and 10 years to pay off -Primite Low APR 4.4% * For business loan * Select between the United States and the United States $ 100,000.00 $ 70,000,000.00 - Choose between 1 and 15 years to pay off -Primite low of 4.4% in April Contact Information. E-mail: [email protected] Skype ID: prestito.spa.

E-mail: [email protected]
+79253526140

Name: Gianluca Pavanati
E-mail address: [email protected]
Homepage URL: http://
: Hello .

Accept a low rate (4.4%) Business Loan / personal loan for your new car,
Debt Consolidation, Home improvements, family holiday, marriage purposes
you name it and its yours. I offer a quick and free loan information
service to fasten the application process.

For a Personal Loan
- Choose Between US$10,000.00 and US$200,000.00
- Choose Between 1 and 10 years to Repay
- Accept a Low APR of 4.4%

For a Business Loan
- Choose Between US$100,000.00 and US$2,000,000.00
- Choose Between 1 and 10 years to Repay
- Accept a Low APR of 4.4%

Contact Info
Email: [email protected]
Tel: +393274762216

http://www.419scam.org/emails/2014-10/0 ... 941.32.htm

From: "FINEV SPA MILANO" (may be fake)
Reply-To: <[email protected]>
Date: Thu, 2 Oct 2014 09.20.59 +0200
Subject: Business / Personal / Mortgage Loan Offer

Business / Personal / Mortgage Loan Offer?

We are presently offering loans to interested persons at an affordable rate with the help and assistance from our banks.

We offer secured loans to individuals and companies at low interest, and we offer long and short term loans. Our firm has recorded a lot of breakthroughs in the provision of first class financial services to our clients especially in the area of Loan and capital provision for individuals, companies, government agencies, churches and business organizations.

You can apply for a fast loan here and get it with ease. Perhaps you need a loan for Debt Consolidation, Home Improvements, A New or Used Car Purchase, A New Home, Investment / Business Expansion Purposes, or Even a vacation. We can raise up to 50 Million Euros to finance different kinds of projects.

In our loan scheme tagged 'loan under two weeks',every customer both local and international have the guarantee of obtaining a loan from this company.

Name:
Contact Address/country:
Mobile Telephone Number:
Occupation:
Loan Amount:
Loan Duration:

We are proud to say that, despite global economic uncertainty, we are still one of the European's fastest growing independent finance companies.

Yours Sincerely,
--
Peroni Angelo. (Mr.)

Mediator,
FINEV SPA
5, Via Marconi 56037 Peccioli, (Pisa) Italy.
Tel: +39 388-053-6934
Fax: +39 069-480-0789
Email: [email protected]

P Before printing, think about the environment.

This e-mail and any attachments is confidential and may contain attorney privileged information intended for the addressee(s) only. Reading, copying, disclosure or use by anybody else is unauthorised.
If you are not the intended recipient, please delete this message and any attachments and advise the sender by return e-mail.