Business Loan Scam

I apologize to my readers if this blog sounds like a broken record at times, but the dangers from scammers and fraudsters is real – and the more information available, the more likely that someone doing a web search will come across it and save their money or their information.

2015-08-31-1441027541-9677105-021913_robocalls_600.jpg

I’ve talked often about robocalls; here’s a good article from Consumer Affairs.

“[Scammers] have raked in millions of dollars with schemes like the business loan pitch. The recorded greeting says something like “congratulations, your business has been approved for a $250,000 loan.” If you stay on the phone long enough to talk to a live person, that person will try to get information from you that can be used to steal your identity.”

Got one of these just now. I pressed “1” to find out how the scam worked, and got someone who was virtually incomprehensible; he sounded like a Dane with his mouth full of Knödel.¹ His first question, in rapid-fire Mongolian, was “What is the annual revenue of your company?” When I asked him who was offering me this loan, he hung up.

Be careful out there. If it’s a robocall, it’s almost certainly a scam.


¹ A Dane sounds like a Norwegian with his mouth full of Knödel (which is a very heavy, thick dumpling). So this gives you an idea of what I was hearing.

Now it’s the “EU Business Register.”

UPDATE: The Dutch police are aware of these scammers. See this post for a letter from the Dutch police secretariat, a way to report correspondence, and their advice (send no money, do nothing).

Edit: Received today [6/24/2017] email from

contact@worldcontactmedia.com

at the “World Business List.” Same scam, same scammers. Be careful out there. Send no money to these scammers for a worthless “listing” in their register. Do not respond at all. Read the fine print.

To: redacted
From: EU Business Register <register@eubusinessreg.com>

Subject: Business Register 2016/2017

 Dear Madam/Sir,

In order to have your company inserted in the EU Business Register for 2016/2017, please print, complete and submit the attached form (PDF file) to the following address:

EU BUSINESS REGISTER
P.O. BOX 34
3700 AA ZEIST
THE NETHERLANDS

Fax: +31 205 248 107

You can also scan the completed form and attach it in a reply to this email.

Updating is free of charge.

The scam continues, which I referred to here and here. Making another quick reference to it for additional exposure in case people are searching the web to see if this outfit is legitimate.

It is not. It is a total scam.

Very little has changed. Their spam emails, blasted all over the world, always say “updating is free of charge.” But the small print, ah, the small print:

THE SIGNING OF THIS DOCUMENT REPRESENTS THE ACCEPTANCE OF THE FOLLOWING CONDITIONS AND THE CONDITIONS STATED IN “THE TERMS AND CONDITIONS FOR INSERTION” ON THE WEB PAGE: WWW.EUBUSINESSREGISTER.EU. THE SIGNING IS LEGALLY BINDING AND GIVES YOU THE RIGHT OF AN INSERTION IN THE ONLINE DATABASE OF THE EU BUSINESS REGISTER, WHICH CAN BE ACCESSED VIA THE INTERNET, ALL IN ACCORDANCE WITH THE CONTRACT CONDITIONS STATED ON “THE TERMS AND CONDITIONS FOR INSERTION” ON WEB PAGE: WWW.EUBUSINESSREGISTER.EU.THE VALIDATION TIME OF THE CONTRACT IS THREE YEARS AND STARTS ON THE EIGHTH DAY AFTER SIGNING THE CONTRACT. THE INSERTION IS GRANTED AFTER SIGNING AND RECEIVING THIS DOCUMENT BY THE SERVICE PROVIDER I HEREBY ORDER A SUBSCRIPTION WITH THE SERVICE PROVIDER EU BUSINESS SERVICES LTD. “EU BUSINESS REGISTER”. I WILL HAVE AN INSERTION INTO ITS DATABASE FOR THREE YEARS. THE PRICE PER YEAR IS EURO 995. THE SUBSCRIPTION WILL BE AUTOMATICALLY EXTENDED EVERY YEAR FOR ANOTHER YEAR, UNLESS SPECIFIC WRITTEN NOTICE IS RECEIVED BY THE SERVICE PROVIDER OR THE SUBSCRIBER TWO MONTHS BEFORE THE EXPIRATION OF THE SUBSCRIPTION. YOUR DATA WILL BE RECORDED. THE PLACE OF JURISDICTION IN ANY DISPUTE ARISING IS THE SERVICE PROVIDER’S ADDRESS. THE AGREEMENT BETWEEN THE SERVICE PROVIDER, EU BUSINESS SERVICES LTD AND THE SUBSCRIBER IS GOVERNED BY THE CONDITIONS STATED IN “THE TERMS AND CONDITIONS FOR INSERTION” ON THE WEB PAGE: WWW.EUBUSINESSREGISTER.EU

So if you enter your data and send it in for what you think is a “free listing,” you’re agreeing (at least on paper) to shell out €2985 for a three-year listing, and agreeing to be billed every year forever unless you cancel in writing.

Fear not. If you get stung, just write and tell them that you’re not paying. Quoted from my previous post:

If you happen to fall for this, these things will happen:

  1. The company will ignore any attempts to contact them
  2. If you simply refuse to pay, you will begin to get aggressive and threatening communications from a “global debt collection company,” Waldberg & Hirsch. That firm does not exist – it’s just the same drones trying to frighten you into paying. They will demand payment in full for the agreed-to three years, but will settle for one year’s payment if you’re foolish enough to send it.

The solution:

  1. Just ignore them. They can’t sue you, because they are running a scam, they know it, and they don’t want to attract legal attention to themselves. Never pay these gong-farmers a cent; ultimately they’ll go away.

Again, why the Dutch authorities have not managed or taken the trouble to shut this scummy operation down is incomprehensible.

Be careful out there.

The Old Wolf has spoken.

Selling Snake Oil with Name-Dropping.

I don’t like scammers. I don’t like woo-peddlers. I don’t like people who take advantage of the gullible and/or the vulnerable to make money at any cost. I’ve written numerous times about snake-oil sales, and even got a cease-and-desist letter from some law firm because the manufacturer didn’t like being called a scumball.

But they’re still at it.

Back in 2015, Forbes wrote a legitimate article about “How Fake News Articles And Lies About Billionaires Were Used To Market An Iffy Dietary Supplement.” Forbes complained and followed up, and the spurious website vanished, the cockroaches scurrying back into the darkness that spawned them.

For what it’s worth, the crooks didn’t focus on Forbes, they also used CNN and probably many others to hawk their garbage.

The thing about cockroaches, however, is that they keep coming back; if anyone survives a nuclear winter, it will be these creatures. There’s enough money to be made selling worthless nostrums that the scammers can easily afford to reformulate and resurface. and the immense potential for fraud inherent in affiliate marketing (which I elaborated on here) means that this plague will be a difficult one to eradicate.

I keep getting popup tabs when I visit Newser.com, and this is a recent one:

hawking

The name of the junk product has changed – instead of BrainStorm Elite it’s now IQ+, and the source of the farticle (fake article, or advertorial) is http://www.healthreportz.com/, a website that has nothing to do with Forbes.

It goes without saying that the product is worthless, Hawking has nothing to do with this junk, and the interview with Anderson Cooper is being spun to appear as if it’s endorsing this particular product – which it’s not.

The IQ+ website looks really slick, includes the standard Quack Miranda¹, and after you give them your information and click the big red “Rush My Order!” button, you are taken to the confirmation page where you provide your all-important credit card information. That page also includes this text:

rush

That’s exactly how it looks, and is so easy to miss that most people won’t read it, which is what the bottom-feeders are hoping for. If you do click the Terms and Conditions, you find the industry-standard “gotcha” clause:

In-Trial Offer: A trial offer provides the customer an opportunity to try our product free of charge for 14 days from date of order, paying only shipping and handling fees of $4.98(USD). At the conclusion of the trial period, you will be billed the full purchase price of $89.97(USD) and enrolled in the monthly replenishment program.

So that special price of $4.98 is really $94.95, and you will be billed $89.97 every 30 days because you signed up (without reading the details) for their convenient auto-ship program. You can make a Wreave bet² on the fact that getting a refund for unexpected charges to your credit card will be harder than pulling hen’s teeth – their agents will be trained to make it nearly impossible to get your money back without the threat of legal action.  This is how the kiz-eaters make their money, and frankly, Scarlet, it stinks.

I notified Forbes of the most recent iteration of this scam, and hopefully they’ll look into it. As mentioned before, there’s so much money to be made with scams of this nature that they’ll be back . I have no illusions that my little essays will do anything to stem the tide, but if even one person reads them and saves their money, it will have been worth it.

The Old Wolf has spoken.


Notes:

¹ The “Quack Miranda” warning is required by the FDA on all nutritional supplements, some of which have proven value. The appearance of the standard wording does not mean a product is worthless, but a huge percentage of the garbage sold by nutritional companies have dubious value and all must carry the disclaimer.

² The Wreaves are a part of Frank Herbert’s ConSentiency universe. Their strict code of honor prevents them from gambling, hence a “Wreave bet” is a sure thing.

An old scam, resurrected

I previously posted about the most deceptive ad I had ever encountered in an article entitled “Selling It.”

Hall of Shame Advertisement

Take away all the mummery, and the thrust of the ad was, “throw away your old rabbit ears and buy our pretty rabbit ears.”

When it comes to separating suckers from their money, old ideas die hard. I mean, why throw away such a good concept if it works, right?

Saw this in WalMart just the other day:

20160914_161116

20160914_161101

Other than the fact that the old one was analog and this one is digital, it’s the same marketing pitch, with the same marketing weasel words. But the summum bonum of the product? “Works just like your old antenna, ONLY NOW with a sleek design.”

Well, that’s certainly sufficient incentive to throw away my old digital antenna and buy this one. Except for the fact that I haven’t watched broadcast TV for over 20 years, but that’s another story.

Save your money and don’t buy camel ejecta like this.

The Old Wolf has spoken.

Hello Lucky Winner (Never answer emails like this)

Bullshit

Hello Lucky Winner,

This might come as a surprise but 100% legitimate, as David and Carol Martin has approved a donation sum of $900,000.00 USD from part of their National Lottery Win of £33,000,000.00 Pound Sterlings. I believe this will come in handy and with it you can also be of assistance to the under privileged within your own community.

To verify the genuineness of this email and our winnings, please see our interview by visiting the web page below;

http://www.bbc.com/news/uk-scotland-south-scotland-35297396 

Your email address was submitted to my wife and I by the Google Management Team and you received this email because we have listed you as one of the lucky beneficiary and all you have to do is get back to us with the below details so that we can direct our Bank to effect valid Bank Draft in your name to your operational bank account in your country.

============

  • Full Name:
  • State:
  • Country:
  • Occupation:
  • Age:
  • Sex:
  • Mobile/Tel:

============

SEND ABOVE INFORMATION ONLY TRHOUGH OUR CONTACT E-MAIL: madvcl@foxmail.com

Congratulations & Happy Celebrations in Advance


 

liar2

In case you were wondering, letters or emails or faxes like this are pure BS. Never respond, never send the money the scammers will invariably ask for (taxes, fees, bribes, you name it.)

Grandmarina

Be good then, and don’t!

The Old Wolf has spoken.

419 is just a game

I just received an interesting comment over at my post on trolling a Craigslist scammer. Here it is, in full, thanks to commenter “James Dawson”:

You people got the gut to complain when your devilish forefathers stole Africans from their lands brought them over to your country and used them to develop your nation leaving their fatherland underdeveloped with abject poverty,sufferings and confusion. This is Karma and it’s will keep catching up with you guys

This is a common attitude expressed by the 419 scammers – to them, it’s just a game, as expressed in this video, a shorter version of which I had referenced in a previous post (and this one includes footage from the scammer’s arrest)

In a delicious bit of irony, Nkem Owoh, the actor who starred in the above music video, was arrested in 2007 as part of an international takedown of scammers who were running the 419 fraud. Full details at The Register.

Somehow these drones feel that two wrongs make a right, and that they are somehow entitled to the money of any rich white man stupid enough to “fall mugu.” They don’t understand the concept of personal responsibility, that no one owes their sorry asses anything, and that they should stop blaming people who have been dead for 200 years for their troubles.

U no chop my dollar, onioburu. U no fit comot face, just skip along.

The Old Wolf has spoken.

The Android Phone Virus Scam

I’ve written about this gambit before, but today I encountered an especially egregious example of one.

While perusing an article found at reddit, one of the pages I visited popped up with this:

Screenshot_2016-07-30-22-11-52

My phone started buzzing like crazy, the progress bar went all the way to the right, and i was told that I had a myriad of viruses. All I had to do was download “Psafe” to get my phone clean again.

As I tried to back out of this steaming pile of moose droppings, I was presented with the following sequence of screens, with concomitant “Urgent!” vibrations – in other words, there was no way out:

This slideshow requires JavaScript.

If these popups are to be believed, my poor Android had become virus central, and I might as well just throw it away and buy a new one.

But by now you should know that this is all nonsense, designed to trick the unwary and the gullible into downloading Psafe, a supposed protection application from the Play Store. How a legitimate application, if that’s what it is, can resort to such scummy promotion techniques is beyond me – unless it’s the typical drivel put out by affiliate marketers. Be that as it may, tactics like this are enough to sour me on a piece of software forever – and tell others to stay away from it as well.

Another example.

Screenshot_2016-07-30-07-42-10

I really work hard to keep the content of this blog family-friendly. This kind of stuff makes me want to send vulgar open letters to the people who do this, but I’ll have to content myself with putting it out there so other people might also be warned.

If you get junk like this on your Android, it’s not infected. Restart your phone you can’t get out of the loop, and if it’s really bad, reinstall your browser.

And never, ever, use Psafe for anything – a company that stoops to these methods of despicably dishonest advertising does not deserve your business.

The Old Wolf has spoken.

 

A dozen Crypto attempts today

crypto

All of these arrived in my inbox today; many are duplicated versions of the same message with minor changes.

Dear info,
Cathleen Holcomb asked me to send you the attached Word document, which contains the final version of the report.
Please let me know if you have any trouble with the file, and please let Cathleen know if you have any questions about the contents of the report.
Kind regards
Alisa Harper
Managing Director
Notice that all of these emails begin with “Dear Info,” since the relevant address is “info@devnull.com.” This in itself should be a red flag.
Dear info:
Thank you for your email regarding your order of 21 June, and sorry for the delay in replying. I am writing to confirm receipt of your order, and to inform you that the item you requested will be delivered by 25 June at the latest. If you require more information regarding this order, please do not hesitate to contact me.
Also, our records show that we have not yet received payment for the previous order of 11 June, so I would be grateful if you could send payment as soon as possible. Please find attached the corresponding invoice.
If there is anything else you require, our company would be pleased to help. Looking forward to hearing from you soon.
Yours sincerely
Benjamin Martin
Chief Executive Officer
Information. A report. An invoice with request for payment. A spreadsheet. All looking innocuous and legitimate.
Dear info,
The reference you requested is attached.
Let me know if you have any questions.
Best regards
Erma Frederick
CEO
No matter how official emails like this look, you should verify every detail before proceeding.
Dear info,
Our records show that we have not yet received payment for the previous order #A-393685
Could you please send payment as soon as possible?
Please find attached file for details.
Yours sincerely
Jami Garrett
Mexico Key Account Director
Don’t open those attachments! They are almost certainly javascript files which will download an encryption virus or something equally vicious.
Be careful out there.
The Old Wolf has spoken.

Infect your computer from home!

From: <my email address>
To: <my email address>

Subject: Cooperarion with a large firm

Hello!

We are looking for employees working remotely.

My name is [Audra|Joni|Gus|Emily], I am the personnel manager of a large International company. (I got four of these in my mailbox today).
Most of the work you can do from home, that is, at a distance.
Salary is $2500-$5000.

If you are interested in this offer, please visit Our Site

Best regards!

If you’re careless enough to click that link (disabled above), what you’ll be taken to is this:

http://yaseminalkaya.xyz/wp-content/plugins/easy-tables-vc/xxxxxx/lib/jquery-handsontable/test/jasmine/spec/settings/

whereupon your computer will promptly be infected with an encryption virus or some other evil chicanery.

Do not respond to emails like this, and do not click embedded links!

The Old Wolf has spoken.

“Dearest in the Lord” – Yes, it’s a scam

Ever get an email like this?

I am Mrs Julie Mayo from United Kingdom. However I know this message may come to you as a surprise, please consider this with all seriousness as I solicit your assistance in the most polite language.
I went through your profile and counted you worthy for this project. I am a dying woman who had decided to donate what I have to Charities. I am 63 years old by age, and was diagnosed of cancer about two years ago immediately after the death of my husband, Life for me in this world is not that important again since we are passing our life in this world so we can have a place in heaven. I have been touched by God to donate from what I have inherited from my late husband for the good work of God, rather than allow his relatives to use my husband’s hard earned funds ungodly.
As I lay on my sick bed, I want you to help me in carrying out my last wish on earth which will be very profitable to you. I want to donate a total sum of ($5.2 Million United States Dollars) to you which I want you to distribute part of it to any charity organisation and for your kindness on this project you are to carry out, I am offering you 30% while 70% of the fund will go to any Charity organizations of your choice for me, please I am looking forward to hearing from you soon so that I can give you more details.
Regards,
Mrs Julie

Guess what? It’s a scam.

Millions of these fraudulent emails are blasted out all over the world from internet cafes in Nigeria, Eastern Europe, and other countries where people have very little money and even fewer morals.

Bad grammar, awkward English, and anything referring to millions of dollars to be split by percentage are red flags for advance-fee fraud, at which so many Africans are supremely adept. The Nigerians even have a song about “the game” – somehow they think that since they’re poor and you’re rich, anything they can get from you is fair game. (The quality of this video is awful, but you’ll get the idea)

There is no money for you in Africa or anywhere else. Never respond to emails like this, unless you’re happy to give your hard-earned resources to criminals.

The Old Wolf has spoken.