[BooGod]

Very obvious scam. It's an attempt to collect personal info and then possibly sell it or use it for nefarious purposes. This also likely breaks some kind of banking regulations for sending unsolicited messages. Insurance and banking industry has rather specific information that must be included in all forms of correspondence.

Hello

  I just read you, here are the conditions

 1- The fixed annual rate of 3%, the minimum repayment duration of 5 months, the maximum of 360 months (5 months to 30 years).

 2- The monthly payment of the credit is calculated according to your choice (monthly, quarterly or yearly)

 3- You can ask to adjust your payments up or down every 6 months and postpone a monthly payment every year.

 4- A loan agreement will be signed between the two (2) parties.

 5- After signing the contract, the loan will be validated and, from the following month, you will start not repaying it. The repayment amount will be paid regularly by the borrower until the loan matures.

  6- The lender must pay the costs of the loan insurance to anticipate the risks of insolvency of the loan.

To have quick access to a financial loan, you will help us to fill in the following information in order of the data.


 | •)
  - Last name and first name ...........?
  - Mobile and fixed number ..........................?
  - Complete address............................?
  - Monthly income......…….........…..............?
  - What is the loan amount ...........?
  - What is the repayment period .........?
  - What is the purpose of your order ........?


 || •)
  - Have you taken out an individual loan once: ..... Yes? ...... No?
  - What is the refund of your choice:

      1 <Monthly payment
      2 <Payment by quarter
      3 <Annual payment


 Best regards...

I will close this thread once I understand that's legit private investor or money laundering or scam/fraud?

[BoysWhoCry]

I would never invest any more than like 100$ in anyone unless I knew them irl little alone through a text app. Be careful probably a scam

[Almonds]

Definitely a scam, virtually anything asking for money is, ontop of shitty grammar.

[BooGod]

Definitely a scam, virtually anything asking for money is, ontop of shitty grammar.

I translated it on google from portuguese, but even in portuguese its quite hard to understand how it works

---

I think it's actually a mix pot of both. 😵

Talk about the best of both worlds 🤑

Thanks, I got these messages after looking to fund an app and game of mine. But as I understand I need "to pay first the insurance" so after I get the "loan".

Thanks everyone for helping out, anyone who get these types of messages be aware, I almost fell for it.

[Artisan]

The rates sound too good to be true. If this were a genuine offer, anyone could just take a loan, put the money into a bank somewhere where the interest rates are high, reap the benefits, keep paying off the interest from the loan and end up with living just on this scheme without having to work.

[βaked]

I translated it on google from portuguese, but even in portuguese its quite hard to understand how it works

---

Thanks, I got these messages after looking to fund an app and game of mine. But as I understand I need "to pay first the insurance" so after I get the "loan".

Thanks everyone for helping out, anyone who get these types of messages be aware, I almost fell for it.

I’m also portuguese, I doubt that’s legit, people be trying all sorts of things to make money and scamming others, specially now with the pandemic.

I personally wouldn’t trust, I would ask for some proof they are legit, website, company name, search them up

[Herbert]

Definitely a scam template, don't bother.

The red flags arise mainly from the bad spelling and acquiring personal information.

Anatomy of the scam cycle:



The information may or may not be used to extort or identity theft.

[~~((HACKER))~~]

It is patently a scam. I've never heard about any Bank/Organization reaching over WhatsApp. Don't even bother to reply.

[Herbert]

It is patently a scam. I've never heard about any Bank/Organization reaching over WhatsApp. Don't even bother to reply.

Some organizations use social media to stay in touch with customers, mostly for low priority problems and inquiries.

Businesses usually have a verified check mark and an alert saying it's an official business account.

[Cooligan]

Yes, loan services are very real and some of them have been open for years upon years now. A good question would be is this strictly a Whatsapp group that's offering this? Or does it tie to some website/forum?

It really comes down to what website/forum you're on where they're offering this service, and then legit check that actual domain and the community that surrounds it, etc.. I will say though I haven't heard of anyone on Whatsapp giving out trusted loan services, at least to my knowledge.

If you'd like you can shoot me a message on Discord (because I would advise against posting any links to the site here), and if I have heard of it in the past I can at least let you know, and if not well then at least you tried.

That's really the only way to figure out whether these services are legitimate or not. Again, many are, it just comes down to where it's being offered from and how long they've been doing it.

[BooGod]

Yes, loan services are very real and some of them have been open for years upon years now. A good question would be is this strictly a Whatsapp group that's offering this? Or does it tie to some website/forum?

It really comes down to what website/forum you're on where they're offering this service, and then legit check that actual domain and the community that surrounds it, etc.. I will say though I haven't heard of anyone on Whatsapp giving out trusted loan services, at least to my knowledge.

If you'd like you can shoot me a message on Discord (because I would advise against posting any links to the site here), and if I have heard of it in the past I can at least let you know, and if not well then at least you tried.

That's really the only way to figure out whether these services are legitimate or not. Again, many are, it just comes down to where it's being offered from and how long they've been doing it.

They do not share any name, links or anything. They just claim they have a big portfolio, and that they are private investors.
At first I always felt like sketchy because in the past I were in a similar situation.
But I don't see here, with this little information they request about me or any person, how can they steal identity with so little information. The obly thing it catches my attention is the insurance part which doesn't make sense at all, paying upfront before receiving the loan, we focus in so much information, this part is so small that we do not pay attention to it in my case I took a few days before posting to be sure. But I will request them their portfolio, website.
They join whatsapp groups to share this investment opportunity, my discord is I think
Keek#1855
Thanks

[webdev77]

Very obvious scam. It's an attempt to collect personal info and then possibly sell it or use it for nefarious purposes. This also likely breaks some kind of banking regulations for sending unsolicited messages. Insurance and banking industry has rather specific information that must be included in all forms of correspondence.

[Patriot]

Scam for sure and did not even need to read the text. If it's a message on WhatsApp or Telegram it's a scam.

[Big E]

Anyone giving money to these kind of people deserves to be scammed, really.

[Astrogen]

I don't use Whatsapp but that's scam for sure.