THE TABLES ARE TURNED

updated May 19 2013


Filthy McNasty, who has graced us with such gems as AND THE HORSE YOU RODE IN ON, ALL THAT JAZZ and NOT IN THE CARDS is back with a report on how to negotiate a loan from a scammer.

Featuring
Quincy Harry - CEO of Quincy Harry Loans
versus
Filthy McNasty - in need of a loan, but not happy about the terms.


Quincy Harry

From: Quincy Harry <trisniadi@stiami.ac.id>
Sent: Wed, April 3, 2013
Subject: URGENT LOAN OFFER.

--
Do You Need Urgent Loan/Legit Loan if yes contact us with this Email:homeloanoffer@aol.com with the follow.

1: Names: ...
2: Country ....
3: Loan Amount: ....
4: Duration ....
5: Phone: ....
6: Monthly Income: ......

Have Nice Day.
Mr Quincy Harry

Filthy McNasty

From: facqueoff-xxxx@yahoo.com

I am looking for an illegitimate loan.

Quincy Harry

From: Quecy Harry <homeloanoffer@aol.com>
To: facqueoff-xxxx@yahoo.com
Sent: Fri, April 5, 2013
Subject: Loan Information (Get Back To Us)

Attn: Customer.

You are welcome to Quincy Harry investments: We offer loan to honest and God fearing people. Well we do offer all kind of loan, for that reason we are ready to offer you the loan funds you need from this company so that you can be able to carry out any type of business you wish to do etc, be rest informed that we only attend to serious minded individuals, if you are applying for this loan we will give you the best in this transaction as well.

This firm is also located in some part of the countries like Japan, Malaysia, Italy,Spain,Sweden, Brazil, United Kingdom, but your loan is processed and insured here in India New Delhi OK??
So it all depend on you. We want you to fill out the borrower's information bellow and return back to us as soon as possible so that we can proceed with this transaction, Well we must let you know that this company will highly appreciate your urgent response in this transaction, and we shall all be in service with you to make sure you receive this loan fast and with good faith, with grace all things are possible so we shall invest trust and honest in this transaction.

****************************** ********************************
Qualifications On This Transaction:

1) The Borrower must be trusted with good faith and unlimited grace. 2) Even with Bad credit, we still guarantee the Borrower the loan with unlimited grace in this company. 3) The Loan Can Be granted even with low credit. 4) Fixed Rate of the Loan interest is 3%.

LOAN APPLICATION FORM

Your Full Name:
Your Country:
Your State:
Address:
Your Age:
Your Fax Number:
Occupation:
Marital status:
Current Status at place of work:
Your Sex:female
Your Personal Phone Number:
Your Monthly Income:
Your Weekly Income:
Loan Funds Amount Needed:
Purpose of Loan:
Loan Duration:
How Urgent do you need the loan:immediately-as soon as possible
****************************** ***

In acknowledgment to these details, We will send you a well calculated Terms and Condition which will include the agreementŐs of this transaction, we will want you to fill the borrower's information above and return back to us as soon as possible so that we can proceed further in this transaction.

Best Regards
Mr. Quincy Harry
CEO/QUINCY HARRY LOANS
+919971045051

Quecy Harry
homeloanoffer@aol.com

Filthy McNasty

Sent: Mon, Apr 8, 2013

Dear Quincy or Quecy Harry

Are you brothers or just one dumbass that doesn't know how to spell his name the same way twice? You mentioned that your company is located in some of various different countries? Some part would mean that the company could be located on any part correct? It sounds as if you are too busy imparting grace to your customers who are all afraid if God. While I respect and honor God I do not fear him. Is this grounds for disqualification?

On your questionnaire I noticed that you have asked many questions that are discriminatory and also ones that will be answered when a credit check is run. You do check one's credit before lending don't you? I am not OK also with the fact that there are no branches located in my parts of the country. I get the feeling that grace trust and honesty are just words and that the true nature of your business is one of extraction.

Be advised that any fees needed previous to the loan process will no be tolerated since they can just as easily be deducted from the principal of the loan prior to my receipt. I would also like to inquire if the rule of 72s applies to this transaction. Please get back to me when you locate somewhere offshore.

Quincy Harry
To: facqueoff-xxx@yahoo.com
Sent: Mon, April 8, 2013
Subject: TAKE MY WORD ON THIS PLEASE OKAY.

Hello.

How are you doing today i hope all is well with you and your family .

Heaven help those who help themselves, In as much as you donŐt want to be scammed and ripped of your money, It is pertinent that you know that out there that everybody cannot be the same as there are some who have genuine intent which is to help but the countless number of scams overshadows the number of genuine individuals. I have a niche and reputation to protect ,If others have soiled and made fool of their name, I Mr.Quincy Harry is not like that as I am a Man that believes in the saying that a good name is better than riches so if you think that an amount or money that will come and go is what will make me soil my name, that is a big mistake and I believe I should at least write to correct that mentality because it is as if you are doubting while we are asking for this fee. Do know that this is will be use to transfer your loan to you,as much as possible to come up with the fee, i assure you immediately you make the payment the loan will be reflect into your account instantly. The Transfer AGENT is enormously ready to do the transferring of this fund to you, immediately, as soon as the fee charges is made,Just believe that the fee is a challenge to you, if you have that believe then you will receive this loan soonest. This is what the Lord told us in the Book Of John 14 VS 1 that will should always be faithful and let our mind not to be trouble.The ultimate measure of a human is not where he or she stands in moments of comfort, but where he or she stands at times of challenge and controversy.I want you to know that this fees is a challenge so you..You have to try your best and send the fee.

It may interest you to know that Setting a goal is not the main thing,but it is deciding on how you will go about achieving it and staying with that plan. You have already receive this loan, the fee for your loan relinquishment of your loan is what is holding down this transaction,i know how things are with you right now and This is
why you need a loan.But feel free because you will soon receive this loan if really you take my world and send down the fee...It is a general phenomenon... I want you to be rooted to your faith so that you can be a champion..Let me tell you the Meaning of champion Mr Man... A Champion is not a person that have never made a mistake...NO!!!! this is fallacy and overstatement, But a champion is a person that have made a mistake and NEVER give up and relent of his or her effort...Don't give up,I am very much assured you that this loan will be reflect into your account as soon as you have been able to send the requested payment of the loan. Without this fees, there is no way you can get your loan okay....

I will be the happiest Man on earth after this funds must have been transferred to you. NOTE: There is no secret to success, it is the result of preparation, hard work,Life Risk and seriousness. Please try to come up with this fees so that we can make each other happy..I am advising you because i want your Name to be in my Monthly Payer list/File..This is an opportunity I won't allow you to miss. If you should miss this opportunity , it then obviously means that I don't love your progress..This is how Mrs Becket from USA that is inviting me right now to her own house in California was complained about her account activation Charges..Until she take the Risk to sent the money and know that really, she is dealing with a true lender...All fingers are not equal..

I know how you feel right now, but feel free because you will soon receive this loan.The great opportunity in your life is where you are right now. Every situation, properly perceived, becomes an opportunity for you. You have grand opportunities all round you. Open your eyes, and you will find it. Just believe that you have already receive this loan.And we will not fail immediately we receive the Charges...NOTE: Motivation is very important, but it is determination that will make you cross the highest mountain and most difficult river is rear. I will advise you don't give up,the root of this transaction is were will are now.

Regards on your kind understanding, trust and co-operation in regards to this transaction. I am indeed greatness..Do get back to me for the fact you have receive this mail so that i can send you the info on how to make the payment get back to us so that i can give you the payment informational so that you will use in making the payment OK.. i will advise you to try and send down the fee so that you can get the loan
OK.

Best Regards,
+919971045051
Quincy Harry
homeloanoffer@aol.com
Filthy McNasty
Sent: Tue, Apr 9, 2013

Dear Quincy Quecy,

Please note that my discussion of fees had to do with advance payment fees not loan origination fees. I realize without getting into the whole champion dissertation that you are in the business of making money and have to charge fees aka points and interest. This goes without saying, however, Greenlight Financial offers a 3% fixed rate with no points. I am sure that you know that points are the advance fees or loan origination fees that are customarily deducted from the proceeds of the loan hence there are no upfront out of pocket costs.

http://greenlightloans.com/rates.php

If you can offer a similar loan with no up front costs whatsoever, like Greenlight Financial, then I would be interested. Thanks for your enlightenment on how the Bible, your agent who is enormously ready, Mr. Man, Champions, Setting Goals, and that all fingers are not equal. I must say that even with not being able to secure a loan so far, I have garnered a lifetime of wisdom from your teachings. I am still puzzled by the fact some lenders can make money without advance payment fees while others insist on charging them. I am also in the dark about the two different spellings of your name. Thanks in advance for your urgent response. "You've Got The Green Light"
Filthy McNasty
Sent: Fri, Apr 12, 2013

Dear Quincy Quecy Harry et.al

My full name is as follows:

Filthy McNasty III
666 Styx River Road
Burning Stump, Oklahoma

This is my current address and the residence I will be borrowing the funds against. I wish to borrow $150,000 for home improvements repayable over a 10 year period at 3% interest that is fully amortized. Tell me if the rule of 72s applies to this loan and if there is any interest penalty for early withdrawal. Any further information required will be furnished to you by the credit reporting firm when you run my credit check

Filthy McNasty
Quincy Harry
Sent: Tue, April 9, 2013
Subject: Loan Information (Get Back To Us)

Hello Applicant,

How are you doing today I hope fine? I got your email and the content was well noted by me,You will only be responsible for the transfer cost if you are interested in getting a loan from me kindly fill out the loan application form that was sent to you enable us proceed to the loan terms.

Best Regards
Mr Quincy Harry

Quecy Harry
homeloanoffer@aol.com
Quincy Harry
Sent: Fri, April 12, 2013
Subject: LOAN TERMS FOR $150,000.00 (Get Back To Us)

Good Day Filthy McNasty,

We have received your e-mail.On behalf of the entire staff and members of this Loan Firm we congratulate you that you have been Approved of this Loan Amount Of $150,000.00 USD,And these are our following Terms and Repayment Plans,which must be meant before you can be granted a loan from us.

PAYMENT OPTIONS
Payment by western union money transfer ( 2 hours )
Payment by bank to bank transfer (24 hours )

WESTERN UNION MONEY TRANSFER: Payments made via western union money transfer are loan amounts which are not more than $10, 000.00 as western union can not carry any amount more than $10,000.00 and it takes a couple of 2hours to get the funds transferred to you,If you wish to go by the Western Union Transfer You Are Required To Send Down The Below Information:

Receiver's Full Name:
Receiver's Address:
Receiver's Country:
Next of Kin:

BANK TO BANK WIRE TRANSFER: In this option loan funds are transferred directly into your account with the aid of my bank in this option applicant must have to send down his or her full banking information to enable us make the transfer and it takes maximum 24 hours for the funds to be transferred into your account,And Also if you wish to go by the Bank to Bank Transfer Provide Us with the Below Information:

Account Holder's Name:
Account Number:
Routing Number:
Bank Name:
Bank Address:

LOAN TERMS FOR $150,000.00
======================================================
Loan Amount: $150,000.00
Loan Interest Rate: 3%
Loan Term: 10 year
Monthly Loan Payment: $11,104.49
Number of Payments: 120
Cumulative Payments: $1,332,538.19
Total Interest Paid: $182,538.19
Note: The monthly loan payment was calculated at 119 payments of $11,104.49 plus a final payment of $11,103.88.
======================================================
*1)INTEREST RATE:The total interest rate associated with any amount you are borrowing is 3% of the total Loan amount.Which can be paid install-mentally or once if possible.

*2)PAYMENT PERIOD:You will be given considerable period of about 10 Years, Extra 1 year as year of grace to repay the Loan,The payments can be made either monthly or yearly and there is no penalty for early payment.

*3)SECURITY POLICY: Due to the high rate of Internet insecurity we have our own method to prevent Fraudulent people from obtaining a Loan from us,This is why will have all your full details.

*4)There are no form of deductions of any of the bills above,Due to that fact that the Loan will being insured by the Hard cover Insurance Policy Which strictly prohibits no forms of deductions before the end of any transaction for security reasons.

*5)Please note that we are both responsible for the payment of the loan Insurance/Legal and approval fees and also for the transfer fee associated with this transaction and that will be done before your loan will be transferred to you,Note that you we be responsible for the cost of transfer which will cost you the sum of $399.

This is the scam. If you pay the "cost of transfer", you have been scammed. But you knew that. And now back to our scambait.

Lastly all loan offers given by this noble company takes only 24 hours to get to our legitimate customers who hold on to our instructions with ease.

The loans been demanded by you will be transferred to you as soon as you meet up with the Transfer Charges and the firm is always in good assistance to the loan seeker and this will make you and the firm to continue this transaction and develop a cordial relationship with the company as soon as you reply to this mail.

Once you agree to my terms and follow the instructions therein, you stand a chance of having your loan transferred within via the option you have chosen. This depends on your seriousness,urgency,co-operation, trust, and understanding in obtaining the loan.

IDENTIFICATION NEEDED: Furthermore be informed that you will also need a form of Identification which can be either a Driver's License or your working Identity card as well as an International Passport if you have one,This is important to us try and bring it,Just also want to inform you that the loan is be transferred to you with a fast delivering process.

In acknowledgment to this mail your response i highly needed,So that we can start the processing of the Transfer Of your Loan loan,Thanks for your understanding, Co-operation Hope to hear from you soon.

Best Regards
Mr. Quincy Harry
CEO/QUINCY HARRY LOANS
+919971045051

Quecy Harry
homeloanoffer@aol.com
Filthy McNasty
Dear Hairy Quechy Quincy Quecy

What do you take me for some kind of a fool? I asked to borrow $150,000 at 3% interest and you want me to pay back over $1.33 million dollars??? That's some kind of interest my friend. $1182538.19 to be exact or 788% total interest over the life of the loan. What kind of a joke are you trying to play anyway? There are amortization tables on the internet that real bankers avail themselves to in order to figure interest. I have included such a chart and figures below. I suggest that before you make any other loans that you and your associates acquaint yourselves with such charts and have a rudimentary knowledge of banking before lending money in the future.

You are a poor excuse for a banker to say the least. Once again you have asked for information that I have previously supplied or is reflected on the credit report you initiated before I received loan approval. You did run a credit check on me didn't you? I am not used to doing business with such incompetents.

If you care to have my business please revise your figures to reflect the proper amortization of a $150,000 loan at 3% interest. I will ask you for the THIRD AND FINAL TIME. DOES THE RULE OF 72s APPLY TO THIS LOAN. I HATE TO THROW STONES AT AN UNARMED MAN BUT CLEARLY THERE IS SOMETHING TERRIBLY WRONG WITH YOUR BANK AND BANKING PRACTICES.

I await your reply

Filthy McNasty

Loan Summary For $150,000 @ 3% interest per year
$1,448.41 Payment a month NOT $11,104.49

Monthly Principal & Interest
$173,809.34 NOT $1,332,538.19 So I will borrow $150,000.00 and pay back 1.33 Million?

Total of 120 Payments
$23,809.34 Total Interest Paid Not $182,538.19

Total Interest Paid
Mar, 2023

Pay-off Date

Loan Summary $1,448.41

Monthly Principal & Interest $173,809.34

Total of 120 Payments $23,809.34

Total Interest Paid
Mar, 2023

Pay-off Date

Mortgage Rate Amortization schedule
Date Interest Principal Balance
Apr, 2013 $375.00 $1,073.41 $148,926.59
May, 2013 $372.32 $1,076.09 $147,850.49
Jun, 2013 $369.63 $1,078.78 $146,771.71
Jul, 2013 $366.93 $1,081.48 $145,690.23
Aug, 2013 $364.23 $1,084.19 $144,606.04
Sep, 2013 $361.52 $1,086.90 $143,519.15
Oct, 2013 $358.80 $1,089.61 $142,429.53
Nov, 2013 $356.07 $1,092.34 $141,337.19
Dec, 2013 $353.34 $1,095.07 $140,242.13
Jan, 2014 $350.61 $1,097.81 $139,144.32
Feb, 2014 $347.86 $1,100.55 $138,043.77
Mar, 2014 $345.11 $1,103.30 $136,940.47
Apr, 2014 $342.35 $1,106.06 $135,834.41
May, 2014 $339.59 $1,108.83 $134,725.58
Jun, 2014 $336.81 $1,111.60 $133,613.99
Jul, 2014 $334.03 $1,114.38 $132,499.61
Aug, 2014 $331.25 $1,117.16 $131,382.45
Sep, 2014 $328.46 $1,119.96 $130,262.49
Oct, 2014 $325.66 $1,122.75 $129,139.74
Nov, 2014 $322.85 $1,125.56 $128,014.18
Dec, 2014 $320.04 $1,128.38 $126,885.80
Jan, 2015 $317.21 $1,131.20 $125,754.60
Feb, 2015 $314.39 $1,134.02 $124,620.58
Mar, 2015 $311.55 $1,136.86 $123,483.72
Apr, 2015 $308.71 $1,139.70 $122,344.02
May, 2015 $305.86 $1,142.55 $121,201.47
Jun, 2015 $303.00 $1,145.41 $120,056.06
Jul, 2015 $300.14 $1,148.27 $118,907.79
Aug, 2015 $297.27 $1,151.14 $117,756.65
Sep, 2015 $294.39 $1,154.02 $116,602.63
Oct, 2015 $291.51 $1,156.90 $115,445.72
Nov, 2015 $288.61 $1,159.80 $114,285.93
Dec, 2015 $285.71 $1,162.70 $113,123.23
Jan, 2016 $282.81 $1,165.60 $111,957.63
Feb, 2016 $279.89 $1,168.52 $110,789.11
Mar, 2016 $276.97 $1,171.44 $109,617.67
Apr, 2016 $274.04 $1,174.37 $108,443.30
May, 2016 $271.11 $1,177.30 $107,266.00
Jun, 2016 $268.17 $1,180.25 $106,085.75
Jul, 2016 $265.21 $1,183.20 $104,902.56
Aug, 2016 $262.26 $1,186.15 $103,716.40
Sep, 2016 $259.29 $1,189.12 $102,527.28
Oct, 2016 $256.32 $1,192.09 $101,335.19
Nov, 2016 $253.34 $1,195.07 $100,140.12
Dec, 2016 $250.35 $1,198.06 $98,942.06
Jan, 2017 $247.36 $1,201.06 $97,741.00
Feb, 2017 $244.35 $1,204.06 $96,536.94
Mar, 2017 $241.34 $1,207.07 $95,329.87
Apr, 2017 $238.32 $1,210.09 $94,119.79
May, 2017 $235.30 $1,213.11 $92,906.67
Jun, 2017 $232.27 $1,216.14 $91,690.53
Jul, 2017 $229.23 $1,219.18 $90,471.34
Aug, 2017 $226.18 $1,222.23 $89,249.11
Sep, 2017 $223.12 $1,225.29 $88,023.82
Oct, 2017 $220.06 $1,228.35 $86,795.47
Nov, 2017 $216.99 $1,231.42 $85,564.05
Dec, 2017 $213.91 $1,234.50 $84,329.55
Jan, 2018 $210.82 $1,237.59 $83,091.96
Feb, 2018 $207.73 $1,240.68 $81,851.28
Mar, 2018 $204.63 $1,243.78 $80,607.50
Apr, 2018 $201.52 $1,246.89 $79,360.60
May, 2018 $198.40 $1,250.01 $78,110.59
Jun, 2018 $195.28 $1,253.13 $76,857.46
Jul, 2018 $192.14 $1,256.27 $75,601.19
Aug, 2018 $189.00 $1,259.41 $74,341.78
Sep, 2018 $185.85 $1,262.56 $73,079.23
Oct, 2018 $182.70 $1,265.71 $71,813.51
Nov, 2018 $179.53 $1,268.88 $70,544.64
Dec, 2018 $176.36 $1,272.05 $69,272.59
Jan, 2019 $173.18 $1,275.23 $67,997.36
Feb, 2019 $169.99 $1,278.42 $66,718.94
Mar, 2019 $166.80 $1,281.61 $65,437.33
Apr, 2019 $163.59 $1,284.82 $64,152.51
May, 2019 $160.38 $1,288.03 $62,864.48
Jun, 2019 $157.16 $1,291.25 $61,573.23
Jul, 2019 $153.93 $1,294.48 $60,278.75
Aug, 2019 $150.70 $1,297.71 $58,981.04
Sep, 2019 $147.45 $1,300.96 $57,680.08
Oct, 2019 $144.20 $1,304.21 $56,375.87
Nov, 2019 $140.94 $1,307.47 $55,068.39
Dec, 2019 $137.67 $1,310.74 $53,757.65
Jan, 2020 $134.39 $1,314.02 $52,443.64
Feb, 2020 $131.11 $1,317.30 $51,126.34
Mar, 2020 $127.82 $1,320.60 $49,805.74
Apr, 2020 $124.51 $1,323.90 $48,481.84
May, 2020 $121.20 $1,327.21 $47,154.64
Jun, 2020 $117.89 $1,330.52 $45,824.11
Jul, 2020 $114.56 $1,333.85 $44,490.26
Aug, 2020 $111.23 $1,337.19 $43,153.08
Sep, 2020 $107.88 $1,340.53 $41,812.55
Oct, 2020 $104.53 $1,343.88 $40,468.67
Nov, 2020 $101.17 $1,347.24 $39,121.43
Dec, 2020 $97.80 $1,350.61 $37,770.82
Jan, 2021 $94.43 $1,353.98 $36,416.84
Feb, 2021 $91.04 $1,357.37 $35,059.47
Mar, 2021 $87.65 $1,360.76 $33,698.70
Apr, 2021 $84.25 $1,364.16 $32,334.54
May, 2021 $80.84 $1,367.57 $30,966.97
Jun, 2021 $77.42 $1,370.99 $29,595.97
Jul, 2021 $73.99 $1,374.42 $28,221.55
Aug, 2021 $70.55 $1,377.86 $26,843.69
Sep, 2021 $67.11 $1,381.30 $25,462.39
Oct, 2021 $63.66 $1,384.76 $24,077.64
Nov, 2021 $60.19 $1,388.22 $22,689.42
Dec, 2021 $56.72 $1,391.69 $21,297.73
Jan, 2022 $53.24 $1,395.17 $19,902.56
Feb, 2022 $49.76 $1,398.65 $18,503.91
Mar, 2022 $46.26 $1,402.15 $17,101.76
Apr, 2022 $42.75 $1,405.66 $15,696.10
May, 2022 $39.24 $1,409.17 $14,286.93
Jun, 2022 $35.72 $1,412.69 $12,874.24
Jul, 2022 $32.19 $1,416.23 $11,458.01
Aug, 2022 $28.65 $1,419.77 $10,038.25
Sep, 2022 $25.10 $1,423.32 $8,614.93
Oct, 2022 $21.54 $1,426.87 $7,188.06
Nov, 2022 $17.97 $1,430.44 $5,757.61
Dec, 2022 $14.39 $1,434.02 $4,323.60
Jan, 2023 $10.81 $1,437.60 $2,886.00
Feb, 2023 $7.21 $1,441.20 $1,444.80
Mar, 2023 $3.61 $1,444.80 $0.00

We leave Filthy and Quincy with negotiations apparently at a standstill.

...but no! Our scammer takes one last (?) shot!

Dearly Beloved Postmaster
Here is the final installments of the loan correspondence from your good friend Filthy McNasty.
Thanks for featuring me. I really love doing this.

Aw shucks ;-)

Quincy Harry

Good Day Filthy McNasty,

We have received your e-mail.On behalf of the entire staff and members of this Loan Firm we apologize for the missed up of the email that was sent to you here is the right calculate of the loan amount of $150,000.00 congratulate you that you have been Approved of this Loan Amount Of $150,000.00 USD,And these are our following Terms and Repayment Plans,which must be meant before you can be granted a loan from us.

PAYMENT OPTIONS
Payment by western union money transfer ( 2 hours )
Payment by bank to bank transfer (24 hours )

WESTERN UNION MONEY TRANSFER: Payments made via western union money transfer are loan amounts which are not more than $10, 000.00 as western union can not carry any amount more than $10,000.00 and it takes a couple of 2hours to get the funds transferred to you,If you wish to go by the Western Union Transfer You Are Required To Send Down The Below Information:

Receiver's Full Name:
Receiver's Address:
Receiver's Country:
Next of Kin:

BANK TO BANK WIRE TRANSFER: In this option loan funds are transferred directly into your account with the aid of my bank in this option applicant must have to send down his or her full banking information to enable us make the transfer and it takes maximum 24 hours for the funds to be transferred into your account,And Also if you wish to go by the Bank to Bank Transfer Provide Us with the Below Information:

Account Holder's Name:
Account Number:
Routing Number:
Bank Name:
Bank Address:

LOAN TERMS FOR $150,000.00
======================================================
Loan Amount: $150,000.00
Loan Interest Rate: 3%
Loan Term: 10 year
Monthly Loan Payment: $1,448.41
Number of Payments: 120
Cumulative Payments: $173,809.36
Total Interest Paid: $23,809.36
Note: The monthly loan payment was calculated at 119 payments of $1,448.41 plus a final payment of $1,448.57.
( Copied from the amortization tables Filthy supplied)
======================================================
*1)INTEREST RATE:The total interest rate associated with any amount you are borrowing is 3% of the total Loan amount.Which can be paid install-mentally or once if possible.
(What kind of a word is intall-mentally?) LOL FILTHY

*2)PAYMENT PERIOD:You will be given considerable perioad of about 10 Years, Extra 1 year as year of grace to repay the Loan,The payments can be made either monthly or yearly and there is no penalty for early payment.

*3)SECURITY POLICY: Due to the high rate of Internet insecurity we have our own method to prevent Fraudulent people from obtaining a Loan from us,This is why will have all your full details.

*4)There are no form of deductions of any of the bills above,Due to that fact that the Loan will being insured by the Hard cover Insurance Policy Which strictly prohibits no forms of deductions before the end of any transaction for security reasons.

*5)Please note that we are both responsible for the payment of the loan Insurance/Legal and approval fees and also for the transfer fee associated with this transaction and that will be done before your loan will be transferred to you,Note that you we be responsible for the cost of transfer which will cost you the sum of $399.

Lastly all loan offers given by this noble company takes only 24 hours to get to our legitimate customers who hold on to our instructions with ease.

The loans been demanded by you will be transferred to you as soon as you meet up with the Transfer Charges and the firm is always in good assistance to the loan seeker and this will make you and the firm to continue this transaction and develop a cordial relationship with the company as soon as you reply to this mail.

Once you agree to my terms and follow the instructions therein, you stand a chance of having your loan transferred within via the option you have chosen. This depends on your seriousness,urgency,co-operation, trust, and understanding in obtaining the loan.

IDENTIFICATION NEEDED: Furthermore be informed that you will also need a form of Identification which can be either a Driver's License or your working Identity card as well as an International Passport if you have one,This is important to us try and bring it,Just also want to inform you that the loan is be transferred to you with a fast delivering process.

In acknowledgment to this mail your response i highly needed,So that we can start the processing of the Transfer Of your Loan loan,Thanks for your understanding, Co-operation Hope to hear from you soon.

Filthy McNasty

Dear Quency Quincy Hairy,

I have asked on three (3) prior occasions if in fact the rule of 72s is applicable to this loan. See our total attached comunication for verification of this fact. DOES THE RULE OF 72S APPLY TO THIS LOAN????. Please send me a complete bank disclosure of the terms that apply to this loan including a copy of the credit report that you ran on me. I have a right to know EXACTLY what my obligations are BEFORE signing any documents. Please send a package of this documents in the pdf file format so that I may go over them with my lawyer Mr Dewey Cheatam.

I am also in the dark about a loan transfer fee. Is this an existing loan in someone else's name? I thought I was taking out a new loan not having an existing loan transfered into my name. Don't just simply ignore this request like my request on the applicability if the rule of 72s. You as a bank under the federal banking regulations are mandated by the federal government to make this disclosures pursuitant accepted banking good practices at the request of the borrower. Thank you in advance for your kindness.

Filthy McNasty

Quincy Harry

Good Day Filthy McNasty,

How are you doing today I hope fine? I got your email and the content was well noted by me i just receive a confirmation from my bank they will want you to email down your credit details enable them run a credit report before proceeding further with the loan transfer.

I do await your email with your credits details.

Filthy McNasty

Dear Quency Hairy Quincy Loans,

Your stated that you received my e-mail and that it was well noted by you. I asked specifically about:

1. The rule of 72 and how it applies to this loan. This will be the fourth time I have posed this question to you. No response
2. I asked for a copy of the credit report you ran on me. You have furnished none.
3. I asked for the bank lending documents pertaining to the loan. Once again none were furnished.
4. I asked you to explain why a new loan must be transfered. No response

How could you read and make note of all this yet not respond??????

Previously I corrected an incorrect amortization schedule that your associated used to try and trick me in to repaying 1.33 Million Dollars on a $150,000 loan. I am beginning to see a pattern of incompetence emerging here from your so called lending institution. Do you mean to tell me that you and your board of directors at your alleged institution would approve a loan without running a credit check???

I have previously furnished all the information you need to run a credit check. Why at this late date has this not been accomplished. All lending institutions do this BEFORE loan approval.

Quite frankly I am tired of all this childs play and not receiving any results from your end. I am sure given the type of treatment I have received so far, that if there was ever a problem with the loan that your people would be too stupid to comprehend the nature of my request. They screwed up big time on the interest and payment schedule. Maybe like you they would just ignore the questions posed to them. I don't like the idea of having to send payments to a foreign entity by Western Union. Your receiving department is probably too dumb to post them to my account anyway.

The bottom line here is that your firm has done nothing but screw up from the beginning and offers no real advantages to me as a businessman. I can borrow money all day from others offering better interest rates and surely even an idiot can offer better customer service. Therefore I am not interested in obtaining a loan from you. Given the treatment I received I venture to say you will not be in business very long.

Filthy McNasty

Mr Quency Quincy Harry did not respond to my last correspondence.

 

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