Scam techniques of Erica Loan Lender

Read the followings and help yourself to avoid online loan scam. Loan through email is totally scam. By any mean they claim advance fees from you which is their target. After getting advance fees for charges they will contact you again.

Message:  Good day Applicant,

I got your mail and the content therein well understood. As a matter of fact, i have below the conditions of services and i will want to inform you

that the detailed terms of services will be sent after your response to this mail. this is due to the fact that we don't have your information's yet.


Upon your request, i will want you to get back to me with the application information's below so as to allow us proceed further to the next step of

this transaction.

QUALIFICATIONS:
1) The Borrower must be at Least 18 yrs old
2) Even with Bad credit, we still Guarantee the Borrower the Loan
3) The Loan Can Be Granted Even With low credit
4) There is no per-payment penalty.
5) You do not need a Co-Signer
6) You must be a Citizen or have a residential permit of where you are applying from.
7) You must have a valid national identity card or any mode of identification.

LOAN AGREEMENT:
An agreement signing process must be carried out on this transaction by my company.The borrower must be willing to pay back and also sign all

documents concerning the loan agreement.The borrower must be capable of re-paying back.

REPAYMENT:
Repayment is made Monthly or Yearly depending on the choice of the borrower and The Repayment schedule for a Loan is calculated and sent to

the borrower.

INTEREST RATE:
The Interest rate applicable to all Loans Is 3 %.

LOAN TRANSFER:
The Loan Is Transferred to the Borrower via
1) Account swift transfer
2) Courier delivery service/Cheque
3) Bank to Bank Transfer. is this one the fastest?


All depending on your Choice. If you agree to this, do let me know the amount you need and how long you can pay this loan back by filling the

application information's below:

BORROWERS INFORMATION NEEDED

FULL NAMES:
COUNTRY:
STATE:
GENDER:
AMOUNT NEEDED AS LOAN IN (USD, GBP or EURO):
DURATION TO PAYBACK:
MARITAL STATUS:
NEXT OF KIN:
MONTHLY INCOME:
PHONE NUMBER:
MOBILE PHONE NUMBER;
IDENTITY CARD (VALID):

I await your urgent reply so we can proceed to the next step.

Thanks and God Bless,
Management.
Mobile: 9811454202
Email: erica_loanlender@yahoo.com

Loan Terms and condition:

 I received your email sorry for not get back to you on time,i was very busy with bulk transaction that is why. Thanks for the quick response to our prospective email. Mail received containing your Application Details,

By you completing the application, I can lend you the loan amount you apply for which is 8,000 now i send you the loan term and condition for me to know if you are ready to get your loan amount transfer out to you in the next 2days.I want you to know that a File has been open with us containing your application details,

Here is your Ref No:. MCLIPLC/12/03810.Take Note of your Ref No:as it will be requested at the point of transferring your fund. The stated sum of money due for loaning must be paid back within a minimum period of {2Years} as stated. The Loan attracts an interest rate of (3%).

This Company shall put in our best to see that this particular transaction is close successfully and a good business relationship maintained as well. Find Below are some of the Loan conditions by which you are expected to adhere to.

Loan Terms And Condition's

Loan Amount :$8,000.00
Loan Interest Rate:3.%
Loan Term:2years
Monthly Loan Payment: $343.85
Number of Payments:24
Cumulative Payments:$8,252.39
Total Interest Paid$252.39
    
OUR LOAN CONDITIONS

For The Value To Be Computed -- Monthly Repayment : The applicant will start the repayment of loan on the 6Th of every month starting from Third (3) months after loan has been received by the beneficiary of the Loan.

Applicant who is unable to meet with the repayment will be given (3) three month or more as a Grace period before legal actions will be taken to this effect. Failure to pay back the loan at this expected date/period, legal actions will be taken against the applicant by our Attorney. Note that, there is NO RE-PAYMENT PENALTY for this loan program.

IMPORTANT QUESTIONS TO ANSWER

" Loan Purpose (What do you want to do with the loan amount?) " (Guarantee) If we give you the loan, how can we trust that you can pay back at the stated Date as it is an oversea transaction and we do not want to be stressed up with the collection of monthly payment?  " Do you have any criminal record, if yes state when and what offense,Please specify.

"Alot of Internet Fraudsters are on parade looking for whom to defraud,are you given us the assurance that you are not one of them.

Will you give us your word that after you have gotten your loan from us you wont disappear with our fund?
Note:you are expected to provide us with Answers to this questions as it will help us in determining weather to Approve your loan or not. Requirement

A Scanned Copy Of Your ID Containing your full name. which is either a Drivers License, Working ID, International Passport Etc.Bank to bank Transfer: This is a kind of transfer that will require you to send us your bank account information to enable us transfer the
loan to you via Bank.

Banking Information Needed To Transfer Your Loan

Account Holder's Name:
Bank Name:
Account Number:
Routing Number:
Swift Code Number:
Phone number:

* Under no circumstance will the Borrower of this Loan or the hesitant of the Credit fail to pay up Both the Loan Amount and Interest before or at the end of the given period.

*Considering the above conditions if they are acceptable to you, you have to give us a fast response so as to enable us expedite further processing on the activities from our end to see that this transaction is successfully close within 2 to 3 hours.
============================== ===================

AS SOON AS YOUR LOAN IS APPROVED, THE COMPANY'S ATTORNEY WILL PROVIDE
YOU WITH THE LEGAL PAPERWORK/A CONTRACT DOCUMENT FOR SIGNING AS A
MEANS OF AGREEMENT TO THE TERMS AND CONDITIONS ABOVE.

Some conversation with Erica loan lender:

Me: Well, I can send down a copy of collateral to your company residential address. Okay, if I want to pay the sum of Rs 6,600, will I have to pay it before getting the loan amount? One thing I should clear that I can't pay any prepayment before getting the loan. I am sending a copy of my National Id card again. Please take a look at the attachment file.

Erica Oman: In regards to your email, note and understand that you loan amount has already been insured for transfer and there is no way we can ducted the charges out of the loan amount we will advise you to try and come up with this very chargers and without this very charges we can’t make the transfer of your loan funds okay.

Me: I only replied your email when I saw that there is no prepayment penalty. If I didn't see this option I wouldn't reply you. You waste my time. Sorry, I don't want loan. I wanted to send all kinds of papers but you need advance fees. Do you really give loan? If your company really gave loan they didn't want advance fees. Okay, have a nice day sir!

Erica Oman: In regards to your email, Note and understand that is very chargers you are ask to pay is for your loan registration chargers if i were you i will try and get this very payment done since i need the loan for a propose

Me: Okay I trust you that's why I exchange a lot mail. Actually a wide range of people are scammed worldwide and most of them are needy. I'll talk to him. Please give me your western union account also.

Erica Oman: In regards to your email, You will have to send the Rs.6,600 to my accountant here in Delhi and it should be sent via western union with the details below.

 Name:Uyor Kingsley
 Addresse:23 Opposite G-6/90,Mansarova Building,Nerhu Place,New
 Delhi-110019,India
 Country:India

+91-8860462408.

  Upon payment you are to send down the payment slip and your full
 banking information's.
   Kind Regards

 

Erica Oman: How are you doing hope fine you said you will be sending the payment today and i have not heard from you since what the problem or are you no longer in need of the loan or what why the delay.

Me: I already send the charges to my friend in new Delhi. I also gave him your address and phone no. His email addresses arosaliakash@gmail.com . I told him to make the payment asap. I didn't talk to him last day since i was busy. Okay I will call him again. Could you give him an email please?

Erica Oman:In regards to your email i don't have any business with your friend why will i called him?  In this very regards we shall be waiting to hear from you on the transaction proceed of your loan as soon as possible.

Me: Okay you don't have to call him. I was thinking that all things are complete. I have also checked my account balance today. okay, i have just talk to my friend he told me that he wants to meet you. I think this is a very good idea. I can recommend hundreds of people to take loan from you because I can say you are known to me. Please take care of this situation.

Erica Oman: why did you friend went to meet me i told him to make the payment first i dnt really make any business with your friend i need his number only.

Me: You don't have to do any business with him. you told me that you have local office and I send him that address. As I told him to take care of it that's why he wanted to meet you. What's your problem to meet him? I think this is easy matter. I think you should cordially invite him to your office if you have legally office in real. I think you understand.

Erica Oman: because of 6,600 i should go and meet your friend why i can’t do that if he can’t and u cant send the payment to my account i will advice you to forget about this trasncation okay.

Me: The reality is you don't give loan to anyone you just destroy the human life. Your relation with customer last until you get the charges. After getting the charges you don't reply to your customer.  You are a great scammer.

Please don’t send any kinds of advance fees. If you need loan please contact your loan lender in person first. Thanks