John Carter - [email protected]

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Date: Thu, 19 Nov 2015 01:35:27 +0100
Message-ID: <CA+8jj49bpHPndHsTGSGMEwz2wCOBbGLFeA5fG=s-SVJU5TMo-Q@mail.gmail.com>
Subject: Re: loan
From: John Carter <[email protected]>
To: <snip>
Content-Type: multipart/alternative; boundary=089e0115ed3877ff660524d9ef6e
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Hello,

Are you looking for a business loan, personal loan, home loan, auto
loan, student loan, debt consolidation loan, unsecured loan, venture
capital etc... Or Were you refused a loan by a bank or any financial
institution for one or more reasons. You are in the right place for
your loan solutions! I am a private lender, I grant out loans to
companies and individuals at a low and affordable interest rate of
3%.Interest. Contact us via email: [email protected]

LOAN APPLICATION FORM.

Your Full Name:
Address:
Country:
State:
Loan Amount:
Sex:
Loan Duration:
Phone Number:
Fax:
Monthly Income:
Specific date you need the loan :

NOTE: These are needed before we can proceed with
the transaction of the loan okay.

Regards

ONLINE LOAN SERVICE

Dearest Customer,

The loan company board of directors received your loan request and the board is ready to help you if only you promise to repay the loan back in good fate when it is finally given to you ,your information is now recorded in our computer data base system and your loan is
now on process, We as a company like you to read our company loan terms, repayment plan and condition before we can continue on the
loan process. Please read carefully and get back to us if you are satisfied with the terms if you also want the company to make
adjustment on the plan and repayment something can be done regarding that aspect . Below is the company loan terms, conditions and repayment plan Loan Conditions
Condition 1: The loan will not be used for drug trafficking or
illegal possession of drug
Conditions 2: Applicant must be above 18 years before loan
can be approved
Condition 3: The repayment will start one month after the
loan has been delivered to you
Condition 4 : Failure to repay the loan back in its stipulated
time will require the loan company to file charges against
applicant
Repayment Plan:

Loan Balance:

€150,000

Adjusted Loan Balance:

€150,000

Loan Interest Rate:

3%

Loan Fees:

€2000

Loan Term:

15 years

Minimum Payment:

€800

Monthly Loan Payment:

€1,035.87

Number of Payments:

180

Cumulative Payments:

€186,457.16

Total Interest Paid:

€36,457.16

Note: The monthly loan payment was calculated at 179 payments of €1,035.87 plus a final payment of €1,036.43.

It is estimated that you will need an annual salary of at least 124,304.40 Euro to be able to afford to repay this loan. This estimate assumes that 10% of your gross monthly income will be devoted to repaying your student loans. This corresponds to a debt-to-income ratio of 1.2. If you use 15% of your gross monthly income to repay the loan, you will need an annual salary of only 82,869.60 Euro, but you may experience some financial difficulty. This corresponds to a debt-to-income ratio of 1.8.

The following table lists the minimum income necessary to repay the debt without encountering a partial economic hardship. Partial economic hardship is defined as having annual loan payments in excess of 15 percent of discretionary income, where discretionary income is the amount by which Adjusted Gross Income (AGI) exceeds 150 percent of the poverty line. This figure is shown in the Minimum AGI (IBR) column. The Minimum AGI (ICR) column uses an alternate definition of economic hardship, based on 20 percent of discretionary income which is defined as the excess of AGI over 100 percent of the poverty line.

Household Size

Minimum AGI (IBR)

Minimum AGI (ICR)

1

€99,115.00

€72,982.00

2

€104,725.00

€76,722.00

3

€110,335.00

€80,462.00

4

€115,945.00

€84,202.00

5

€121,555.00

€87,942.00

6

€127,165.00

€91,682.00

Using a loan term of 15 years instead of standard 10-year repayment reduces the monthly loan payment by €412.54 (28.5%), but increases the total interest paid by €12,647.82 (53.1%).

These results assume that you’re paying the interest charges on any unsubsidized loans and is not capitalizing the interest while in use. If you’re capitalizing the interest, the cumulative payments and total interest charges will be higher than shown here.

Our loan do not have prepayment penalties. If you wish, you can make an extra payment to principal each month to accelerate repayment of the debt. If you pay an extra €25.00 a month, you will cut 0.4 years off of the 15-year repayment term and save €1,143.48 in interest over the life of the loan. If you pay an extra €50.00 a month, you will cut 0.8 years off of the 15-year repayment term and save €2,216.62 in interest over the life of the loan. If you pay an extra €100.00 a month, you will cut 1.6 years off of the 15-year repayment term and save €4,175.89 in interest over the life of the loan.

if you fully agree to the terms ,condition and repayment plan you will get back to us with a scanned copy of any form of id card for verification because your loan is undergoing approval by the board of directors and a positive result will be out in a couple of days ,you will be approved of your loan after finding all information are genuine if otherwise you will be declined of your loan so applicant are advised to provide real information for easy approval of loan to them
Yours In Service
John Carter

Scammer uses this bank account:

Bank name: Fidelity Bank
swift code: FIDTNGLA
Account name: xxxxx Peter
Account number: xxxxx17631

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Date: Sun, 29 Nov 2015 20:17:23 +0100

Message-ID: <CA+8jj4-ykVStUimewbNmFYN7Twax0yC0xz_Jew8eXzvNb=zSLw@mail.gmail.com>

Subject: Re: loan

From: John Carter <[email protected]>

To: snip

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Okay use this alternative account, that's our head quarters account in the USA

Bank Name: Texans Credit Union

Bank Address: 626 Austin St.

Garland, TX 75040

Telephone Number: 972-348-2000

Or 800-843-5295

Savings Account Name: Luzviminda Langevin

Savings Account Number: 20016172297

Routing Number: 311987786

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Subject: Get your loan Approved fast!
From: Peter williams <[email protected]>
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Hello

Have you been in search for an online loan and don’t know how to go about it? Save yourself the stress and contact Mr John Carter, a certified online lender that disburse out loans to applicants who are eligible, no much paper work, even with your bad credit you can still get the amount of loan you want, He grants business loan, personal loan, home loan, auto loan, student loan, debt consolidation loan, unsecured loan, venture capital etc. Or Were you refused a loan by a bank or any financial institution for one or more reasons I just said save yourself the stress! Contact via email: [email protected]

Hotline: +16186633421

+2347063809658

The interest rate is very affordable and negotiable too depending on the amount of loan needed.
LOAN APPLICATION FORM.

Your Full Name:
Address:
Country:
State:
Loan Amount:
Sex:
Loan Duration:
Phone Number:
Fax:
Monthly Income:
Specific date you need the loan :

NOTE: These are needed before we can proceed with
the transaction of the loan okay.

Regards

[AlanJones]

From: Peter williams - [email protected]
Other Email: [email protected]
Tel. Nos.: +16186633421 & +2347063809658

Hello
Have you been in search for an online loan and don’t know how to go about it? Save yourself the stress and contact Mr John Carter, a certified online lender that disburse out loans to applicants who are eligible, no much paper work, even with your bad credit you can still get the amount of loan you want, He grants business loan, personal loan, home loan, auto loan, student loan, debt consolidation loan, unsecured loan, venture capital etc. Or Were you refused a loan by a bank or any financial institution for one or more reasons I just said save yourself the stress! Contact via email: [email protected]
Hotline: +16186633421

+2347063809658

The interest rate is very affordable and negotiable too depending on the amount of loan needed.
LOAN APPLICATION FORM.

Your Full Name:
Address:
Country:
State:
Loan Amount:
Sex:
Loan Duration:
Phone Number:
Fax:
Monthly Income:
Specific date you need the loan :

NOTE: These are needed before we can proceed with
the transaction of the loan okay.

Regards