The Loan of Howard Halden

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Madman
Hello, I'm Looking Around
Posts: 2
Joined: Fri Oct 30, 2020 3:00 pm
Location: USA

The Loan of Howard Halden

Post by Madman » Fri Nov 06, 2020 7:10 pm

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
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Carl Ellison
Fri, Oct 30, 11:20 AM
I received your email yesterday regarding a loan - What's this about?

Howard Halden
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.

Loan insurance:
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. *

Carl Ellison
Fri, Oct 30, 11:14 PM
I don't quite understand, I don't want to put up any of my property to collateral.

Howard Halden
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.

Thank you.

Carl Ellison
Sun, Nov 1, 1:50 AM
That's quite a large amount to collateral. Is there no way to lower the Amount?

Howard Halden
Sun, Nov 1, 1:59 AM
Tell us how much can you pay?

Carl Ellison
Sun, Nov 1, 3:14 AM
I think I can do 350 - why is the collateral so high anyway?

Howard Halden
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:
2) Gender:
3) Country:
4) Home Address:
5) Loan Amount Needed:
6) Loan Duration:
7) Mobile Number:
8) Age:
9) Occupation:
10) Monthly Income :
11) Purpose Of Loan:
12) Alternative E-mail:

Thank you as we await your swift response.

Carl Ellison
Sun, Nov 1, 3:29 AM
You still didn't answer my question, why the collateral must be so high?

Full Name: Carl Ellison
Gender: M
Country: USA
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.
Age: 33
Occupation: Business Adviser
Purpose Of Loan: Personal Finance

Howard Halden
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.

Carl Ellison
Sun, Nov 1, 3:36 AM
Ok i will send £390, whats the details again?

Howard Halden
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.

Carl Ellison
Sun, Nov 1, 3:57 AM
Okay.

Howard Halden
Sun, Nov 1, 4:00 AM
We are processing your loan. So are you ready to make your payment now or not sir ?

Carl Ellison
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?

Howard Halden
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

Carl Ellison
Sun, Nov 1, 9:42 AM
Ok no problem

Howard Halden
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.

Carl Ellison
Sun, Nov 1, 9:15 PM
It is as of late i shall pay foward in the morning time.

Howard Halden
Sun, Nov 1, 10:40 PM
We await for your response sir.

Carl Ellison
Mon, Nov 2, 12:46 AM
Am sleeping, as i stated i shall send that cash in the time of morning.

Howard Halden
Mon, Nov 2, 3:56 AM
Okay we still waiting

Carl Ellison
Mon, Nov 2, 3:59 AM
I have sent the required €350 to the paypal you have sent me. It should be transferred today.

Howard Halden
Mon, Nov 2, 5:01 AM
Send us receipt for confirmation as we told you earlier

Carl Ellison
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?

Howard Halden
Mon, Nov 2, 6:57 AM
We sent you the contract document already so please sign and return

Carl Ellison
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

Howard Halden
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
your response.*

Carl Ellison
Mon, Nov 2, 12:51 PM
Here is my signed loan application. How much was the amount I was to sent to you?

Howard Halden
Mon, Nov 2, 2:52 PM
8:02 AM
$390

Howard Halden
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

Carl Ellison
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.

Carl Ellison
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.

Howard Halden
Tue, Nov 3, 1:07 PM
We have not received your signed documents and your payment

Carl Ellison
Tue, Nov 3, 4:15 PM
what documents? I have sent you signed Loan Terms and Conditions. What documents that you talking about?

Carl Ellison
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.

Carl Ellison
Wed, Nov 4, 4:30 AM
What's happening? Am awaiting to hear from you.

Howard Halden
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.

Thank you

Carl Ellison
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.

Howard Halden
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

Carl Ellison
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.

Carl Ellison
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!
For now, Let be within us alone.

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