Categories
Email Loan Scams

Loan Scammer – Milk Conley

Loan Scam – conley181@usa.com

This email was sent to the victim a few hours after the previous one, posted here. Scammers like to keep the pressure on their victims to reduce the chance of them realising that things don’t add up or discussing the transaction with friends and family.

Email headers

From: Milk Conley <Conley181@usa.com>
To: [Redacted]
Subject: send to us the receipt of the transfer!!

Email body

Hello [Redacted], Good morning to you, and we want to know if you are recovered the bank account details. we sent to you, and make sure you made the deposit on time today so that your loan can be transferred to you, and After making the payment kindly send to us the receipt of the transfer…Thanks.

MR MILK CONLEY FINANCE LOAN COMPANY

Categories
Email Loan Scams

Loan Scammer – Milk Conley

Loan Scam – conley181@usa.com

Following on from this post. The victim refused to use Western Union, so the scammer provides a bank account. Again it is for an individual in the USA, who is most likely another mule. To protect their privacy, I have partially obscured their bank account number.

Email headers

From: Milk Conley <Conley181@usa.com>
To: [Redacted]
Subject: bank account details

Email body

Dear: [Redacted].

As requested below is the bank account details you are to make payment to. We will want you to make a cash deposit into the account and not wa wire transfer or check deposit for this will enable the reflect to us as quick as possible. We will urge you to make this payment as soon as possible so that we can proceed in making your wire transfer to you as well.

Account name: Marianne Paskiewicz
Bank name:FIFTH THIRD BANK
Routing #: 072400052
Account #: 7920090XXX
Bank address: 805 Leonard Street NW
Grand Rapids, MI 49504

After making the payment kindly send to us the receipt of the transfer.

MR MILK CONLEY FINANCE LOAN COMPANY

Categories
Email Loan Scams

Loan Scammer – Milk Conley

Loan Scam – conley181@usa.com

Following on from this post. We are now at the stage where the scammer asks for the payment. The majority of scammers will want to use an untraceable/unstoppable method such as Western Union, Moneygram, iTunes cards or Bitcoin. In this case, the scammer wants to use Western Union/Moneygram to a person in the USA. While scammers will sometimes ask for money to be sent to totally fake names, they will often use victims of other scams to launder money for them. Often these are victims of Employment or Romance scams, who think they are receiving payments as part of a job, on behalf of a loved one. Although, these “mules” are in some instances complicit and know exactly what the scammer is doing.

Email headers

From: Milk Conley <Conley181@usa.com>
To: [Redacted]
Subject: payment details

Email body

Dear [Redacted],

We are in receipt of your mail and we will want you to know that you to send in the fee to us here in USA you are to send it using Western Union Or money Gram. This will enable us get quick confirmation to the fee once it is sent in. Kindly locate a Western Union or Money service outlet to send in the fee to the details below of our loan officer assign to pick up your fee.

Western Union/ Money Gram Payment Information:

Receiver’s Name: Denise Craig
Receiver’s City/State: Sikeston/Missouri
Receiver’s Country: USA

Kindly send to us the receipt of the payment for confirmation. You are by this mail advised to proceed in making the payment to us as soon as possible so as to enable us finalize your loan transaction.

Awaiting to hear from you again.

MR MILK CONLEY FINANCE LOAN COMPANY

Categories
Email Loan Scams

Loan Scammer – Milk Conley

Loan Scam – conley181@usa.com

Continued from this post. We now get the first mention of a fee being paid. “Origination Fees” do exist, but they are not charged to the borrower as an upfront payment to be made before getting their loan. They will either added to the balance of the loan and covered in the regular payment or made as a final payment at the settlement of the loan.

Email headers

From: Milk Conley <Conley181@usa.com>
To: [Redacted]
Subject: Awaiting to hear from you soonest

Email body

Dear [Redacted],

Your mail was received and it’s content well noted. Yes repayments is via bank to bank as well. In regards to your mail, we actually want you to know that we are very ready to render help to you provided you can be trusted and you can be relied on. all you have to do now is to read the below message carefully and get back to us, so we can finalize the loan transaction as soon as possible. The borrower we only be responsible for an origination fee, is a payment associated with the establishment of a new loan, all lenders and mortgage brokers charge an origination fee, for more explanation you have to visit WWW.ASK.COM and type what is ORIGINATION FEE? and search you we see the full meaning, which state that the borrower have to make a payment to the lender before the loan can be transferred to the borrower. In this your loan, your origination fee amount is $750.00 which is 0.1% of your desired loan amount. You are to pay for your desired loan amount. You have to remit as the only payment involve, the charges shows to the company that you can truly meet up with the Yearly repayment of your loan request. Also for you to be well assured that you will get this loan.What is the origination fee on a loan? An origination fee is an up-front fee charged by a lender for processing a new loan application, used as compensation for putting the loan in place. Origination fees are quoted as a percentage of the total loan. you are to pay for the origination fee before you can get your loan, and you have to be very fast in getting back to us so as for us to know how serious you are in obtaining your desired loan amount. Awaiting to hear from you soonest..Thanks

MR MILK CONLEY FINANCE LOAN COMPANY

Categories
Email Loan Scams

Loan Scammer – Milk Conley

Loan Scam – conley181@usa.com

Following on from this post, more of the scammer’s scam format.

Email headers

From: Milk Conley <Conley181@usa.com>
To: [Redacted]

Email body

WELCOME:
COMPANY NAME: MILK CONLEY FINANCE LOAN COMPANY
Address: 764 Lafayette St, Durham, NC 27701, USA
Contact Telephone: (+1) (931) (488) (6778)

ATTN: [Redacted]

I am in receipt of your mail and the information that you have provided about yourself have been investigated and they are all correct as a result of this you are qualified for the loan amount of:$750,000.00 USD which you intend to borrow as loan. But Hope you are a GOD FEARING and also a TRUSTWORTHY person as we don’t want to lose our money because in recent times most of our clients have run away with our funds as soon as it has been accredited into their banking account. Hope you will not do the same.. Please Please Hope we can Trust you in this loan transaction because the loan amount we are giving to you is very huge.Below is the calculated loan repayment plan:

Loan Amount Needed:$750,000.00
Loan Interest Rate:2%
Loan Term: 5 years
Monthly Loan Payment:$13,145.82
Number of Payments:60
Cumulative Payments:$788,749.20
Total Interest Paid:$38,749.20
…………………………………………………………………………..
As soon as you agree on this terms and condition, send a mail to us stating that you have agreed or not so that we can go ahead with the approval/insuring and transferring of the loan to you. For proceedings, do get back to me with the either of the following Form of Identity for proper identification of applicant.

International Passport:
Drivers Licenses:
Working Identity Card:
house electrical bill:
…………………………………………………………….
Your Banking information needed to transfer the loan to you,

Bank Name:……..
Account Name:…..
Account #:………..
Swift Code:……….
Bank Phone:…….
Bank Address:……
Phone number……..

Kindly get back to us right away if you are OK with the above loan terms and conditions so that your loan amount which is the sum of $750,000.00 USD can be APPROVED for transfer. we will be waiting to hear from you so that we can proceed with the transfer process for your loan amount, as soon as you sign the loan agreement document, Understand that you will be responsible for your loan approval charge to enable the facilities to proceed on your loan transfer. and once you agree with us, the agreement document will be sent to you on time. and as soon as you has sign the agreement document. your transfer will be done, Thanks for your understanding and God Bless You..

Mr. Milk Conley.

Head Of loan Officer

Categories
Dumb Scammers Email Loan Scams

Loan Scammer – Milk Conley

Loan Scam – conley181@usa.com

Following on from this post, since this scammer was dumb enough to spam his initial email to an email address that had “scamwarner” in it, I thought I’d see just how dumb he is (using an untraceable throw away email address).

The below loan scam email was sent to an email address that exists only to catch scam emails. It has never been used to register on any site, only to communicate with scammers.

Email headers

From: Milk Conley <Conley181@usa.com>
To: [Redacted]
Subject: LOAN INFORMATION
Received: from [196.207.131.169] ([196.207.131.169])

Email body

Hello [Redacted],

MILK CONLEY FINANCE LOAN COMPANY offer financial services and loans and we are ready to fund you with your desire loan amount. We offer financial expertise on all aspects of Consumer, we are a well established company with over 14 years of financial services experience, we offer one-to-one attention to all our clients. We grant loans at 2% interest rate to any country in the world and we give loans ranging from 5,000.00 USD –10,000,000.00 USD to repay within a period of 1 year a maximum of 30 years. MILK CONLEY FINANCE LOAN COMPANY have developed an excellent reputation. We can help with all types of financial services.

We are the number one choice for:

*Commercial finance
*Consumer finance
*Unsecured loans
*Business and retail finance
*Property finance.

Please choose the type of finance you require above and fill the below application form.

Amount Requested:
Duration :
Purpose of Loan :
Name:
Middle Name :
Surname:
Date of birth (dd -mm- yyyy ) :
Gender:
Marital Status:
Address:
City:
Country:
State / Province :
ZIP code :
Rent or own a
house?
How long have you lived here ?
Occupation:
What is your
monthly income ?
Home Phone Number:
Mobile phone number :
Fax:
Email:
What is the best time to contact you ?
Which site did you get our ad?

We await to receive the fill application to enable us process your request.

Sincerely,
Mr Milk Conley
Address: 764 Lafayette St, Durham, NC 27701, USA
Contact Telephone: (+1) (931) (488) (6778)

IP Address Analysis

Header Analysis Quick Report
Originating IP: 196.207.131.169
Originating ISP: Wananchi-
City: Nairobi
Country of Origin: Kenya
* For a complete report on this email header 
  goto ipTRACKERonline

Why is this a loan scam?

  1. The email address used is a free address.
  2. The email was mass-mailed to many recipients using BCC.
  3. The email claims that they can offer loans in any country in the world – no legitimate lender could do that, as they would need to be registered, authorised and have a physical presence in each country.
  4. The ridiculous upper amount of loan being offered.
  5. The email originated from Kenya, which is a known Advance Fee Fraud hotspot.
Categories
Dumb Scammers Email Loan Scams

Loan Scammer – Milk Conley

Loan Scam – conley181@usa.com

The below loan scam email was sent to an email address that is only used to warn scam victims. it has never been used to sign up for any website, or apply/enquire about loans or any other product/service.

Email headers

Reply-To: Conley181@usa.com
From: Milk Conley <slamoure20@gmail.com>
Subject: loan offer
To: undisclosed-recipients:;
Bcc: [Redacted]

Email body

My name is Mr. Milk Conley, I am the managing director of CIT |
Lending, Leasing & Treasury Management Services. We are located in
United States of America. We provide all types of loans at an interest
rate of 2%. for more information contact us with the below email:
Conley181@usa.com

IMPORTANT NOTICE: THIS IS AN AUTOMATIC EMAIL SENDER ALL RESPONSE MUST
BE FORWARDED TO Conley181@usa.com

Why is this a loan scam?

  1. It was sent from a totally different email address to the one that you are asked to reply to.
  2. The email addresses used is a free email address.
  3. The email was mass-mailed to many recipients using BCC and the recipients were most likely obtained from an illegally created mailing list.
  4. The ridiculous upper amount of loan being offered.
  5. The name used “Milk Conley” was clearly not created by someone actually in the USA.