Hi, I wonder if I am the victim of a scam. Right now, I am 12,500$ in debt and in a desperate situation and I am looking for a loan to pay my credit cards and save on interest. I sent an email to that man who claims to work for a bank in France ''LCL Bank'' (p.s I am a French Canadian, but I later discovered that this guy was from France), he said that they provide loans from $ 5,000 to $ 15,000,000 from 1 year to 30 years with 3% interest, which is interesting, so I inquired and exchanged a few emails. He asked for basic personal information which i provided and sent a picture of my driver's licence. Then he sent me a '' contract '' by PDF file that is already signed by him. he requires to print two copies, sign both, and send one of them to him with my account number (the number that appears at the bottom of a check) and my bank name, He said they will send the money directly into my account.

Sounds like it could well be a scam, you have inadvertently provided enough personal information to allow them to fake an identity and empty your account.

It's dumb to do business with someone with nothing but an anonymous email address.

Doesn't it seem far too easy to be able to get a loan that way?

You cold copy a unique sentence or 2 from the correspondence or contract and search the internet for it (in quotes) just to see if anyone else has reported it already. Search his name as well.

I really think you should talk to your bank fraud prevention department right away to see if you can block electronic access.

Try a web search for: fake loan email

to get articles like this one

http://interfraud.org/ni_fake_loans.htm

It definitely sounds like a scam. You should not deal with individuals about anything that involves sharing your personal information. Make sure to check your Bank statement or any other strange actions so you can report it. To deal with debt problems you need to search for real trusted companies to help you.

To SCAM you, all he needs is your signature and the name of your bank, and the account number.

Sending him a pic of your driver's license was a foolish move on your part.

When people have money problems, it seems they lose all common sense and logic.Adding unbelievable

problems to the ones they already have.

Sounds as dodgy as all buggery to me pal. I've taken out a lot of loans over the years, but nobody has ever sent me a contract by email. It sounds like you're not even a client of that bank. I wouldn't proceed until I spoke to someone at the bank - you call them, not the other way around. If it's a legit loan then you will be recorded in their system.

no one is going to lend you 12,500 to pay off credit cards, especially from another country - MAJOR SCAM

As soon as you send that paper back your bank account is going to be cleaned out. I can't believe the crap people fall for. Please do not be this stupid.

sounds like money will come out of your account not into it. no one loans money at those rates