Credit

[Патрушев Михаил Владимирович]

Good hour, colleagues! Today my ex-colleague called me and with tears told me how I got into a scam trick. Here is her text:
I received a letter of the following content:

From: InvestGarant <InvestO2Garant@yandex.ru>
To: lyalya-nata-m@yandex.ru , odalgroup@yandex.ru , ddocuchaev@yandex.ru , ipvav@list.ru , l21111972@mail.ru , draiv777@gmail.com , marina1103@bk.ru , kharlamov70@list.ru , sk_vektor@mail.ru , den__@mail.ru , zontova@bk.ru , kisa777170@spaces.ru , samarasv3@gmail.com , mikhail5@yandex.ru , malyshev13@mail.ru , moskva1960@mail.ru , bulatova255.55@mail.ru

June 29, 2012, 14:40 1 file
The company LLC “O2” offers you to use a consumer loan.
• Loan rate - 25% per annum in Russian rubles
• Loan amount - from 100,000 rubles to 5,000,000 rubles.
• Loan term - from 1 year to 5 years.
Borrower Requirements
• Age - from 25 to 65 years on the date of loan repayment.
• Permanent registration of the borrower - Russian Federation.
• Registration of the employer - Russian Federation.
• Credit history does not matter.
Security
• Life and health insurance, pay it only after you sign a loan agreement and the Lender transfers the loan amount to you.
Stages and deadlines.
• You send your application and passport (main page and registration) to e-mail. Mail.
• In case of loan approval, a loan agreement is sent to you by mail, then the following clause of the loan agreement comes into force:
4.4. The Borrower agrees to pay the insurance premium in the amount (see table “Calculation of insurance cost”) of rubles, within 24 (twenty four) hours after receiving from the Lender a payment order from the bank confirming the transfer of funds to the Borrower's account specified in clause 1.1, for the amount specified in clause 2.1., by the method of transferring them to the Lender's account specified in clause 4.5.
• Application review 24 hours.
• A loan agreement is concluded.
• Money is transferred to any account with a Russian bank.

Send an application in the format:
1. Name.
2. Contact phone number.
3. Place of permanent registration.
4. Place of residence.
5. Place of work, position and contact phone number of the head.
6. Information about personal property.
7. The amount of the loan.
8. Loan term.
9. Bank account details in the format:
Name of the bank:
BIC:
INN:
PPC:
Cor. Score:
Score:
9. What are the necessary funds.
10. Do you have outstanding loans?
11. Have you been prosecuted?

HELP PHONE 8 (982) 384 13-56 Sergey - Your credit manager.
We work from 10-00 to 20-00 without days off!
-
Sincerely.

I answered the offer.

Next letter:

Good day!
Your loan application is approved, a loan agreement is sent to you for review, after reviewing it, contact your credit manager before signing to clarify any issues and further actions.

With respect.


HELP PHONE 8 (982) 384 13-56 Sergey - Your credit manager.
We work from 10-00 to 20-00 without days off!

Next letter:

Good day!
We send you a payment order confirming the transfer of funds to your details.
We remind you that from this moment clause 4.4 of the agreement that you signed comes into force:
4.4. The Borrower shall pay an insurance premium in the amount of 13,100 (thirteen thousand one hundred) rubles, within 24 (twenty four) hours from the receipt of a payment order from the Bank from the Lender, confirming the transfer of funds to the Borrower's account specified in clause 1.1, for the amount specified in clause 2.1., By the method of transferring them to the Lender's account specified in clause 4.5.
In case of failure to fulfill its obligations, the following clause of the contract shall enter into force:
6.1. In the event that one of the parties does not fulfill its obligations under paragraphs 4.2 or 1.2, the contract between the parties is terminated and the party that has not fulfilled its obligations refunds the other party for a fine in the amount of 170,000 (one hundred seventy thousand) rubles within 12 hours from the date of notification.

Details for insurance premium payment:
4.5. Details for insurance premium payment:
Name of the bank: OJSC SBERBANK OF RUSSIA Moscow
at the OPERA of the Moscow State Technical University of the Bank of Russia
Gearbox: 770301001
Bik: 044525225
TIN: 7723608499
Cor. Account: 30101810400000000225
Bank Account Number: 40702810138110014253
Amount: 13,100 rubles.
Recipient: LLC O2
Name of payment: Payment under contract No. 134895308680, excluding VAT.

HELP PHONE 8 (982) 384 13-56 Sergey - Your credit manager.
We work from 10-00 to 20-00 without days off!

All these letters have attached files: agreement, payment order, payment schedule. Accordingly, according to the contract, I paid insurance 13,100 rubles through SBERBANK, for the details specified in the contract, I signed and sent the scanned signed contract, all are copies. Communicated last time on Saturday - July 7. I was told that everything went fine through the SB Bank in Moscow, expect that on Monday afternoon money should come to my account. Each communication was so credible. But today, i.e. 07/09/2012 - the subscriber is not available.
What do you say dear colleagues and who faced this, give advice on what to do in this situation ???

 

[Частный детектив. Владивосток.]

Free cheese happens only in a mousetrap ...
I declare to write! Yes, quickly ... And move it ...

 

[Частный детектив. Тайный советник. Омск.]

Vadim correctly said that I definitely need to write faster.
Well, and at the same time begin to break through this office, to the details of which money was transferred.

 

[Патрушев Михаил Владимирович]

Free cheese happens only in a mousetrap ...
I declare to write! Yes, quickly ... And move it ...

Thank you, Vadim! I will give a recommendation.

 

[Патрушев Михаил Владимирович]

Vadim correctly said that I definitely need to write faster.
Well, and at the same time begin to break through this office, to the details of which money was transferred.

Thank you, Sergey! Surely the office is fictitious (it is open on some homeless person). The same is true for the number of the SIM card.

 

[Роберт]

And most importantly, do not pay anything. I wonder how they will recover the penalty from you through the court? : D
Cool company "zero-two"
Well, since they paid, I’ll have to write.

 

[Частный детектив. Тайный советник. Омск.]

Vadim correctly said that I definitely need to write faster.
Well, and at the same time begin to break through this office, to the details of which money was transferred.

Thank you, Sergey! Surely the office is fictitious (it is open on some homeless person). The same is true for the number of the SIM card.

Mikhail Vladimirovich, it’s clear that the office is fictitious, but the calculator is real. From here and dance. We need to look where after the transfer this money went from this account, etc. Surely on some kind of card. Next, look at the card on whom it is registered, from which ATM and when (date and time) the money was withdrawn, request from the bank to take a fragment of the video of the date of interest from the ATM (unless of course it is there). Time is expensive, and work is not an edge. Yes, and with paper wires of our bodies, you can miss everything. Therefore, he wrote earlier that it is necessary to begin work in parallel with the ATS.
It may be confused and brief, but something like that.

 

[Роберт]

Time is expensive. With the card you can break off. Amounts will go to the account of the "insurance company" abroad-that's all. And having all the data and a signature, you can make a bunch of documents for posting.

 

[Роберт]

Vadim correctly said that I definitely need to write faster.
Well, and at the same time begin to break through this office, to the details of which money was transferred.

Thank you, Sergey! Surely the office is fictitious (it is open on some homeless person). The same is true for the number of the SIM card.

Simka can help a lot. The information given to scammers is alarming.

 

[Детективное агентство Москва.]

Mikhail Vladimirovich, my colleagues wrote everything correctly, and most importantly, expensive time. I was faced with bank fraud while still working in a large foreign company and I can say that if they are not stupid, then they won’t immediately transfer money to their cards, but will wash them out after passing through several current accounts. Therefore, there is no way to do without an application. R / s is real, it must be managed by someone and somehow, this is either a client bank or the transfer of payments live.
The client bank is placed on the basis of an agreement on a specific computer (of course, this can be done all on the same homeless person, but all the same, when concluding a banking service agreement, there must be an individual who signs it, who gives sample signatures). Yes, it can be a laptop and it goes to the Internet via Wi-Fi, but for sure this person has his favorite places, (for example, a cafe) where he "works" Next, the billing of the specified phone is taken, what can it give? After analyzing the detail you can find the same thrown for mass filing of the application. By billing, you can make an analysis and find out the approximate area of its habitat. You can try to put the dates and time indicators of bank transactions on this card and try to calculate where it works from, well, etc.
If the couriers bring the payments, then we must try to calculate them (they must act by proxy) and then talk to them (in my case, these were couriers from a company that provides courier services, through them we were able to compose an identikit, understand where we most often met with them the customer, etc.), the work of an intelligent opera.

In fact, there is a lot of work, the result is not obvious, and in any case, there is no way without an official path.