There are always inquiries about various loan offers, such as those that are currently being sent via personal messages.

Anyone who receives such a message via messenger or personal message should under no circumstances respond.

This scam is called “advance fee fraud” and it looks like this:

Screenshot_20180419-103142
Image in plain text:

Hello
I am Anna Becker, I work in a financial structure that provides loans of 3500 euros and 55000 euros with an interest rate of 3% per year.
You can also use your credit card if you have it.
If you are interested, contact us by email: bankfinancien4@gmail.com
or leave your number for whatsapp

do you have interest?

The fraudsters target users who are already in a difficult financial situation.

Criminals have been trying to rip off users like this for years. They usually send such dubious offers via fake profiles with stolen photos from the Internet.

The advance payment fraud

If a user responds, they will be asked for personal data and a copy of their passport relatively quickly. The creators of the “loan offers” are not interested in arranging cheap loans, but rather they are shamelessly exploiting someone’s plight.

There are additional costs (such as “credit reporting costs”) and if you are not careful, you will suddenly be tied to contracts that no longer have anything to do with a loan. Advance payments of every conceivable amount are also required. From 60 euros to 1,900 euros – we have already seen it all.

People who are so desperate do not immediately recognize such a deception and would do anything to be freed from their situation. However, if you need a loan, ALWAYS go to your own bank first! If they refuse to approve a loan, then you will normally not be able to get a loan anywhere else and especially not on Facebook!

Tips to protect yourself from loan scammers on Facebook

  • When it comes to dubious loan offers on Facebook, you can almost be sure that fraudsters are behind them.
  • You can report suspicious profiles and offers directly to Mimikama. To do so, please send us an email to spoof@mimikama.org.
  • Never give personal information to strangers ONLINE. It may sound logical, but there are thousands of users who don't think about it.

How to spot loan fraudsters on Facebook

  • The respective profile often speaks bumpy German.
  • There is a noticeably low interest rate promise.
  • Collateral/hedges are not required.
  • Dubious email address.

Related article: This is how loan fraudsters work on Facebook.

In financial emergency situations, there are institutions that offer help, for example Caritas , Diakonie , but also the social services of the city in which you live can offer help. All of this on a much more solid basis than dubious credit providers.


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Notes:
1) This content reflects the current state of affairs at the time of publication. The reproduction of individual images, screenshots, embeds or video sequences serves to discuss the topic. 2) Individual contributions were created through the use of machine assistance and were carefully checked by the Mimikama editorial team before publication. ( Reason )