Whether it is unsolicited emails or visible messages on social networks, scams of private credit of the “scams” type are very present on the internet. How to recognize and protect them? We offer an analysis of a scam received recently.
It is a widely used English term (like the word “spam”) which designates a scam or scam. The principle is then to send e-mails to individuals in order to extort money from them. A scam linked to consumer credit then designates a message promising the granting of a loan at a particularly advantageous rate and for any amount. In the end, the person who replies to the email will be asked to pay fees (file fees, account opening fees, or any other example), and will never receive any money. If scams generally circulate by e-mail, many copies are also present on social networks.
Generally, this type of scam is fairly easy to recognize. In particular, the following signs do not mislead:
For the example, we will take a scam received recently in the form of an e-mail with the following content (spelling mistakes included, which we have put in red here):
Hello, I turn to all individuals in need for their announces that I grant loans of money from $ 3000 to $ 9.500.000 to all people able to repay it with an interest rate of 2% year and a time of 1 to 15 years, depending on the amount requested. I do it in the following areas: – Financial Loan – Real Estate Loan – Investment Loan – Car Loan – Consolidation Debt – Credit Repurchase – Personal Loan – You are on file If you are really in need, please write to me for more information. Please contact me by email: firstname.lastname@example.org
If we observe the message and take up the criteria set out above:
If you receive advertising or come across such messages on social networks, the best way to ensure the seriousness of the offer is to check the existence of a company attached to the offer: check the existence a website in Switzerland, with contact address and telephone number. Finally, if you receive this message from one of your relatives (by e-mail or via a social network), also beware: their account could have been hacked and used to spread this type of scams. In general, this kind of scam is fairly easy to spot. In any case, it is best to ignore the message.