Hello there, This is my first post so feedback is appreciated
Note: My baiting Name is Carl Ellison just to clear up any confusion.
"Howard Halden" Lad (Oct 30, 2020 - Nov 6, 2020)
Any real names or details were changed for legal reasons
Fri, Oct 30, 11:20 AM
I received your email yesterday regarding a loan - What's this about?
Fri, Oct 30, 1:41 PM
*Hello Sir, Thank you for contacting us. We want to let you know that we will be able to offer you a loan only if you will accept our loan procedures below. Here is a quick breakdown of the loan process. Firstly, Yes we give
out loans to both Personal and Businesses and you will have to fill
the Loan Application Form. You submit the form back to Us after
filling it and then we can take it to the verification department for
verification and confirmation.
After the verification, it will be presented to the board of directors
and if the loan amount is approved then we can proceed with the other
processes which are:
1. Personal Verification: This simply means that you will submit your
drivers license or passport as a means of identification because we
need to know who our money is going to.
2. You will need to send us your bank account details where the loan
amount will be transferred into.
3. We will send you the loan contract document for you to sign and
return to us for documentation purposes.
4A. Collateral Process: I usually accept ownership of shares / joint
ownership of property as collateral for loans. You must give me a
guarantee to get the loan, so I am confident that once you receive
this loan, the loan will be repaid as agreed. According to the policy
of this company, we do not accept any other type of real estate due to
the fact that some of our customers on this occasion agree to be
owners of real estate and send us copies of the property, when unable
to pay full and we could not refund our property through Submission.
It happens that these properties belong to the family, and then says
that they do not confirm the transaction, initially, so please make
sure that these guarantees belong to you. A personal guarantee that
your loan is repaid. Property such as houses, savings accounts, bonds,
bank guarantees or certificates of deposit are accepted as collateral.
4B. Non-Collateral Process: This process requires depositing the down
payment. For security and loan insurance, this amount is usually
calculated ($850 USD), so if you are unable to repay the loan in time,
you must cover your insurance, and timely completion of the full
repayment of the loan money will be returned if your down payment is
escrow. One thing for this alternative is that there are
non-collateral / security banks here, popularly known as financial
insurances. If you get this guarantee / collateral, it actually
produces, which is ultimately considered equivalent to the loan you
get during the agreed term of the loan. If you are unable to pay the
amount, the insurance company issuing non-collateral will show the
value as an alternative to the loan. Due to risks and costs. Which are
side-by-side, I personally have always advised that our clients should
not be easy to substitute collateral when based on capital and
property as collateral.
Which of the processes do you choose, 4A or 4B?
Thank you. *
Fri, Oct 30, 11:14 PM
I don't quite understand, I don't want to put up any of my property to collateral.
Sat, Oct 31, 9:55 PM
Hello Sir, If you are not providing any collateral then you have to pay a non collateral fee of $850 in advance which will serve as collateral. So if you accept let us know so we can send the loan application form to
you to fill and start the loan process.
Sun, Nov 1, 1:50 AM
That's quite a large amount to collateral. Is there no way to lower the Amount?
Sun, Nov 1, 1:59 AM
Tell us how much can you pay?
Sun, Nov 1, 3:14 AM
I think I can do 350 - why is the collateral so high anyway?
Sun, Nov 1, 3:18 AM
Hello Mr Carl,
Kindly fill the loan application form below to start your loan process.
LOAN APPLICATION FORM:
1) Full Name:
4) Home Address:
5) Loan Amount Needed:
6) Loan Duration:
7) Mobile Number:
10) Monthly Income :
11) Purpose Of Loan:
12) Alternative E-mail:
Thank you as we await your swift response.
Sun, Nov 1, 3:29 AM
You still didn't answer my question, why the collateral must be so high?
Full Name: Carl Ellison
Home Address: Am currently living out of hotel 42 Dowery NYC <--(Completely BS Details)
Loan Amount Needed: €10,000
Loan Duration: 2 YEARS
Mobile Number: My phone was destroyed so am trying to get new.
Occupation: Business Adviser
Purpose Of Loan: Personal Finance
Sun, Nov 1, 3:34 AM
Hello Sir, Your application has been received and will be processed. Once approved we will send the Loan contract document and Loan terms and Condition to sign.
Sun, Nov 1, 3:36 AM
Ok i will send £390, whats the details again?
Sun, Nov 1, 3:47 AM
You will have to make the payment via Paypal. So if you are ready let us know so we can forward the paypal address to you.
Sun, Nov 1, 3:57 AM
Sun, Nov 1, 4:00 AM
We are processing your loan. So are you ready to make your payment now or not sir ?
Sun, Nov 1, 4:12 AM
I am ready, however i do have a few revservations about the loan. how am i to pay the loan off?
Sun, Nov 1, 4:16 AM
You will pay back monthly. Everything will be in the contract document that will be sent to you okay. We will send the Paypal address to you soon. Thank you
Sun, Nov 1, 9:42 AM
Ok no problem
Sun, Nov 1, 11:31 AM
Hello Carl Ellison, We want to let you know that your application form has been approved and attached is the Loan Contract Document and Loan Terms and Conditions Kindly, sign and return back to us to proceed further.
Here is the Paypal address to pay the payment: Paypal.me/cryosass <---(Not the real address)
NOTE: Once you make the payment now send us the receipt for confirmation.
Thank you as we await your response.
Sun, Nov 1, 9:15 PM
It is as of late i shall pay foward in the morning time.
Sun, Nov 1, 10:40 PM
We await for your response sir.
Mon, Nov 2, 12:46 AM
Am sleeping, as i stated i shall send that cash in the time of morning.
Mon, Nov 2, 3:56 AM
Okay we still waiting
Mon, Nov 2, 3:59 AM
I have sent the required €350 to the paypal you have sent me. It should be transferred today.
Mon, Nov 2, 5:01 AM
Send us receipt for confirmation as we told you earlier
Mon, Nov 2, 5:44 AM
Am not home at the moment where my computer is with the receipt. I shall enable receipt transfer as soon as i have access to my computer where the transfer receipt is. and i haven't gotten the loan application form yet, did it not send with your last email?
Mon, Nov 2, 6:57 AM
We sent you the contract document already so please sign and return
Mon, Nov 2, 6:59 AM
I do not have that document you said you sent, Did it not send with your last email? please resend
Mon, Nov 2, 7:21 AM
*Hello Carl Ellison,We want to let you know that your application form has Conditions.Kindly, sign and return back to us to proceed further.Here is the Paypal address to pay the payment: Paypal.me/cryosass <---(Still not the real address)
NOTE: Once you make the payment now send us the receipt for confirmation. Thank you as we await
Mon, Nov 2, 12:51 PM
Here is my signed loan application. How much was the amount I was to sent to you?
Mon, Nov 2, 2:52 PM
Mon, Nov 2, 2:54 PM
What is going on. We have not received the Non-collateral fee and we have not received your signed documents as well. Please get back to us as soon as possible
Tue, Nov 3, 5:57 AM
I have sent that paper for the loan term and condition. As for the fee it should be transit to you as we speak.
Tue, Nov 3, 7:56 AM
Has the transfer of those funds been sent? Am awaiting a swift response so we can proceed as advise.
Tue, Nov 3, 1:07 PM
We have not received your signed documents and your payment
Tue, Nov 3, 4:15 PM
what documents? I have sent you signed Loan Terms and Conditions. What documents that you talking about?
Tue, Nov 3, 6:00 PM
Oh ok I found that form you said I need, I shall send it so we can conduct our business together.
Wed, Nov 4, 4:30 AM
What's happening? Am awaiting to hear from you.
Friday, Nov 5, 5:35 AM
Sir , We have not received your payment and your signed document. So kindly
make your payment and sign your document.
Fri, Nov 6, 8:50 AM
I have sent you all my documents several times now, How have you not received them? I will send again find attached Bellow.
Fri, Nov 6, 9:32 AM
You sent a document that is not signed. Please sign and return back to
us and make your payment
Fri, Nov 6, 9:37 AM
What do you mean? Have you even opened the document? I have signed and where am I to make the payment? I have lost the details.
Fri, Nov 6, 11:31 AM
If you are not serious perhaps we shall not conduct business any longer. I have signed and sent those documents you several times now.
Also tell me where am I to pay these fee? The amount is for €350 correct?
Sadly he blocked me after that so the Bait ends here but I Hope you enjoyed!
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