al construction, [email protected]

al construction <[email protected]>




NEW SWIFT !!! $1M+ HONG KONG AIR TIME TRADE WITH WEEKLY PAY AND 5 YEARS OF SUCCESS...


GREETINGS TO ALL!!!!!!!

Al here.

THIS IS A GOOD TRADE AND ALSO WORKS FROM THE USA...



THIS IS A TERRIFIC TRADE FOR THE $1M TO $1B CLIENT AND YOUR FUNDS ARE NOT AT RISK... VERY SUCCESSFUL GROUP WITH A LONG TRACK RECORD... YOU MUST BE ABLE TO SEND AN MT760 OR MT700 TO THE TRADE BANK TO ENTER... THEY USE 12 DIFFERENT BANKS AROUND THE WORLD... NO RISK TO YOUR FUNDS.



THE MOST IMPORTANT ISSUE AFTER THE SAFETY OF YOUR PRINCIPAL IS THAT THE PROGRAM WORKS...

THIS GROUP KNOWS HOW TO PERFORM.



READ BELOW...



We have a trade program that will work even for the small investor. Min amount is USD 1M.

Your USD 1M+ stays in your account as long as you are willing to give a Standby Letter of Credit or BG OR Block Funds for a one year maturity in favor of the platform via Swift MT-760 messages, MT-700 Blocking Swift for stateside clients (USA) but only after you receive, review and sign our contract.



This not a Security based trade program where we need to get to USD 100M in order to trade.

This is a special Managed Buy / Sell program. You provide the Standby Letter of Credit, BG or block funds via Swift MT760 message that can be reconfirmed bank to bank, as licensed dealers we use the Swift MT-760 to buy cellular phone network prepaid airtime vouchers in large volumes and trade them weekly. The trade bank is in Hong Kong.



This is all done by the same platform, every machinery is in place and remember your money stays in your account and there are NO upfront fees. If interested you should have a contract within 48 hours and your first returns will be 20% NET of the SWIFT MT760 Standby Letter of Credit face value in approximately 7 working days and then weekly after that.



Here are the details:



1. No upfront Money is required.

2. Conference call with the trade facilitator.

3. A contract is issued within 48 hours.

4. Review, countersign and return contract.

5. Standby Letter of Credit in favor of the platform via Swift MT-760 messages.

6. USD 1M is at 20%, will get you approx USD 200k in 7 days. (In a month you make USD $800K) 20% per week on amounts up to 9M.

7. USD 10M is at 25%, will get you approx USD 2.5M in 7 days. (In a month you make your USD 10M).

8. Remember your money stays right in your account so it is quite safe; there is no risk to your capital.



We are responsible for the credit we obtain. Your funds will not be callable or capable of drawdown, whatsoever and this will be stated in the trade contract.

9. To issue the Contracts, we need CIS, POF and Color Passport of signatory with Scanned High-Resolution Copy, Non Solicitation Letter, and Fee Protection Agreement (FPA).



These returns are historical and a guarantee of future returns for the next 5 years with Rolls & Extensions.

Sending Swift MT760 Standby Letter of Credit does not mean your bank is sending out money. Remember its non-callable by contract. Should you require further clarification do not hesitate to let me know, upon your acceptance to participate we will send you the contract.



WE HAVE 2 NEW ADDITIONAL PROCESSES BELOW...

The Second method we are using for this trade...

In the meantime here is another alternative, ask any of your banks if they can issue a post dated bank DRAFT with one year one month (13 months) maturity and confirm this bank draft by Swift MT110 to our bank? At least all bank drafts cannot be called upon until the 13 months maturity date written on it. I am giving you this alternative just to prove to you that we have no intentions on calling your funds, before the 13 months maturity date on the bank draft we must have performed and pay you your weekly returns. If we fail to do that, then at any time you can always put a hold and or call back on the bank draft before the 13 months maturity date and our bank won't be able to call on it at maturity. Just like a cheque, a bank draft cannot be cashed or called on at any time, it must be the date written.



WE DO NOT HAVE A CUTOFF DATE FOR NEW FILES... BUT THESE PROGRAMS NEVER STAY OPEN FOREVER... SO IF YOU HAVE SOME CLIENTS DON'T DELAY SENDING IN A FILE...



BROKERS SHARE IN 5% OF CLIENTS NET RETURN AND DOES NOT COME OUT OF CLIENTS PROFIT...THE GENEALOGY STARTS WITH ME, I AM DIRECT.....PLEASE ONLY BRING FORWARD THOSE YOU ARE DIRECT TO. BROKER DAISY CHAINS WILL NOT BE ACCEPTED.

WE ALSO HAVE SAFE AND SECURE MONTHLY INCOME PROGRAMS THAT PAY 10% PER MONTH ON AMOUNTS AS SMALL AS $10K. WE HAVE SAFE, SECURE AND PERFORMING TRADES FROM $100K TO $8B. ASK FOR MORE INFORMATION.



The Third Method we are using for this trade...



We have a Private Lender that can block financial instruments, cash accounts etc. in a client’s name for a 4.5% fee with 1% to 1.5% fee paid each month.



The minimum we start at is $5M. The cost is $225K for the $5M.



The client will be able to pass the Due Diligence for the Trade.



The funds are of clean clear non-criminal origin.



The Trade starts off at $1M, so the client will be ahead by $4M and the client will receive $1M per week which is $4M per month.



Please confirm receipt of this e-mail.



Al Short President / CEO

It's apparent with these types of 'bank instrument scam' that the 'brains' behind them have been on a college or university course to get some understanding of what they are and how they're used and hope to turn that knowledge into a workable scam, and they appear to believe that just possessing that knowledge means it will work.

I've got to say that largely the dead relative inheritance scam may be less sophisticated but it is more likely to be successful than using bank instruments as the vehicle to perform a fraud.

The first problem is that bank guarantees and standby letters of credit have little meaning to the average man in the street and, if you target any level of businessman, if he doesn't know what they are, he has a bank manager who'll tell him and at that stage the scam is dead. Even mentioning an MT760 makes the scam opaque, incomprehensible and beyond the scope of ordinary people. The matter is made worse when sums of $1bn are mentioned. Even the average shopkeeper is going to take it to their bank manager - because it's a bank instrument and one that the average person knows little about and it automatically sends a victims to his bank manager who'll spot the fraud.

As a scam it's simply too complex for the average person, which I suspect is down to a not very bright scammer wanting to show off, and the only likely candidates with a clue won't fall for such complete rubbish.

I have come across people who claim to have been duped by this type of scam but, for the reasons mentioned, I find it hard to believe that I've been told the full truth.

I'll try a little to work out what the mechanics of this particular scam are but it isn't easy because although there is a fuzzy outline of technical accuracy in what the scammer describes, it doesn't make a whole lot of sense. Most likely the scammer is effectively throwing a 'mud pie' at the wall to see what sticks. If anyone shows interest, whatever the scammer says, it will all boil down to a simple advance payment scam in the end. Of course the one thing I don't want to do is provide a template for a more logical and reasoned scam template.

I don't realistically think that the scammer is wanting to obtain a real bank guarantee from the victim because most banks would see the scam and inform the customer. A bank guarantee is effectively a cash document though hardly negotiable. If my brother wanted me to issue a bank guarantee to cover a bank loan it would actually be better for me to give him the cash. because bank guarantees, certainly in the UK, have clauses that give them a reach and effect beyond the loan for which it is given.

In the example mentioned in this scam

we use the Swift MT-760 to buy cellular phone network prepaid airtime vouchers in large volumes and trade them weekly

why doesn't the scammer just ask for a cash payment ?

The scam is simply too complex and requires not only the victim being duped into getting involved in a bank guarantee/standby letter of credit but also provide a credible underlying investment to make it all appear attractive.

There are far simpler investment scams and there are quite a few favourites operating in the UK. The nature of this scam and the way it's delivered makes it appear likely to me that its origins are West Africa whose trade more frequently involves these bank instruments.

In the UK 'land banking' and 'carbon credit' scams have been much more successful but scammers devise scams that are derived from their own experience.

To suggest arranging a complex banking instrument to invest in pre-paid telephone vouchers at the behest of a complete stranger is puzzling if not downright amusing.

I'll have another go at trying to unravel what the scammer appears to be doing in this scam but finding sense in a 'bank instrument' scam is like trying to explain the logic in a 'diplomatic trunk box' scam. The major difference is that in this instance the scammer is aiming for businessmen and is going to have a hard job hooking anyone with any knowledge of finance.

At this stage I suspect that the scammer will offer to issue the bank instrument himself for a fee that will let the investor into this profit making scheme. The problem being that buying pre-paid phone vouchers from a complete stranger doesn't sound like the investment of the decade.

From the scam

This not a Security based trade program where we need to get to USD 100M in order to trade.

Obviously it is if it requires a standby letter of credit or guarantee.

The whole idea of investing in prepaid phone vouchers is quite bizarre and, though I use a prepaid cell phone for security, the majority of Westerners I presume have cellphone accounts. I don't use vouchers myself so I suspect that the market for vouchers is minimal if there is one at all in the West.

This article is interesting

http://www.economist.com/news/finance-and-economics/21569744-use-pre-paid-mobile-phone-minutes-currency-airtime-money

…… uses pre-paid mobile-airtime minutes as a de facto currency that can be transferred between phones, exchanged for cash with dealers who rent out phones, or bartered for goods and services.

Pre-paid minutes can be swapped for cash or spent in shops most easily in Côte d’Ivoire, Egypt, Ghana and Uganda, says Chris Chan of Tranglo, a Malaysian firm that facilitates “airtime remittances” to mobile phones. Airtime is commonly used as money in Nigeria, too

Some authorities are concerned about airtime’s use as money. As one industry executive puts it, network operators are, in effect, “issuing their own currency” and setting its exchange rate; central banks tend to dislike such things. Others worry that airtime could be used by criminal or extremist groups to move money covertly. According to a senior official at the Financial Action Task Force (FATF), an intergovernmental body in Paris, it appears that some groups buy top-up scratch cards in one country and sell the airtime in another.

Investing in something intangible whose main market is Africa, possibly for use as an alternative means of cash transfer by extremist groups is far from attractive. Investing in terrorism isn't a good idea.

In summary the scam doesn't make a lot of sense, but how many do, and its complexity makes it unappealing to anyone in the West and the underlying offer of an investment in a product that has little value in the West makes this a very badly thought out scam.

The chances are that it will boil down to a simple advance payment fee, most likely to provide a fraudulent document purporting to be a guarantee to enable entry to the 'investment'. The trouble is that every part of the deal is going to put off all but the most hardy of victims, but the scammer appears to be targeting the wealthier and more sophisticated victim who isn't likely to waste time on it.

To get an MT760, guarantee or standby letter of credit your bank will require you to have the funds or assets available to back it up and, as there is no intrinsic need to use this type of financial instrument, which would be costly to obtain, why not just make a simple cash investment in what the scammer proposes ?

The fundamental problem, apart from anything else, is that the proposed investment doesn't have any interest to anyone in the West. The idea of anyone investing in a heap of phone credit vouchers piled to the ceiling is mildly ridiculous. Using an MT760 to buy them is a little like using a stealth fighter to go down to the shops to get some cigarettes.

The scammer uses a vehicle which is common throughout the world for the front end of the scam (obviously having learned about it at college) but, when it comes to the investment, he has chosen a product which is region specific, most likely indicating where he is based. I can't see this type of scam ever working in this form. There are better ways to deliver it that might attract someone in the West but it's not my intention to provide hints to scammers.

The scammer would benefit from lessons in common sense.

Thanks for sharing your extensive knowledge . I don't know anything about MTXXXXs . What I can say is if you fall for this one you'll wind up with an EMPTY Wallet .

I could drivel on endlessly about the technicalities of issuing and accepting these instruments by SWIFT but that would only benefit a scammer. The scammer may seek to use his own fake banks to pretend to set up these financial instruments but the simple truth is that any significant business, and one with the capacity to issue a guarantee of the amount mentioned would be significant, is highly unlikely to be duped by fake banks set up by a scammer and it's almost inevitable he'd involve his own bank who'd spot the scam immediately.

A bank guarantee/standby letter of credit will NEVER be issued by a bank for someone who isn't their customer. That bank will never transmit it to anyone but the recipient's banker. If, at any time, the victim refers to his bank as he will invariably have to do in a deal of this size these flaws will be exposed.

Anyone who would or even could fall for this scam is very rare. The beauty of most 419 scams is that they would be attractive to anyone. To make matters worse in this case, the investment lure is very weak.

If this scam is ever going to work I'd expect it to be delivered 'face to face' by someone 'trusted', already in a business relationship with the victim. It would be high end fraud needing a smart scammer with exceptional personal skills and powers of persuasion to carry it off.

The features that make simple 419 scams work, are missing from this type of financial instrument scam.