I have bad credit? I need finance or refinance? I need a loan of $371,000? Of course not! Here’s another phishing email I received today –
Thank you for your loan request, which we recieved yesterday, your refinance application has been accepted
Bad credit OK, We are ready to give you a $371,000 loan, after further review, our lenders have established the lowest monthly payments.
Approval process will take only 1 minute.
Please visit the confirmation link below and fill-out our short 30 second Secure Web-Form.
Why, when living in the UK, they quite think I’d be looking for a loan or finance in US dollars I don’t know. Well, actually, that’s not true. I do know. It’s because this email has been indiscriminately sent by a bulk email program.
Sure it’s the wrong currency for most people and that will stop them reading on after seeing the $ symbol but for many, dollars will be their currency so changing it is a time consuming task the scammers can afford to not bother about.
Obviously I changed the website address in the above email (in this case it actually seems to track back to a UK finance site – for once, reporting them to their ISP may pay dividends). Visiting the link will take you to what looks like a genuine finance company’s website. A very professional design will make you feel at ease when you apply for a loan online and give up all your personal details to the scammer!
By the way, their web design is far from unique. As they get closed down they move the site. The domain name may change but everything else stays the same. In fact, the same site can be found on the net several times over if you know where to look. I guess they are too lazy to make alternatives and some designer is out there selling his work to several different scammers at once.
Remember, if you are after finance then go to a reputable company. Why on earth would you liase with someone you have never heard of, via unsolicited email, offering you a loan without you applying for it or having previously given them your details? In order to get your details of course!