antifraudintl.org › Loan Scams

Jenna Schmidt (schmid04@mail.gvsu.edu)

2014/02/01

Rob Krishna Loans

I am Rob Krishna, a loan lender based in South Africa offering personal loans, debt consolidation loans, business loans, home loans etc. The loans are offered at an interest rate of 3.2% and are available to all individuals, private and public firms. For more information please contact me on ihatedelema@gmail.com.

I also assist blacklisted clients as well.

thank you,

Rob Krishna

Jenna Schmidt does not exist and her email was downloaded from the Internet.

Sapphire's Strike Administrator

Join Date Oct 2009

Location Here, there and everywhere.

Posts6,659

Mr. Hassan Musa Usman, Aso Savings Loans

Return-Path: tvdavis@email.phoenix.edu 

Reply-To: ihatedelema@gmail.com 

Date: Mon, 21 Oct 2013 Subject: 

From: Hassan Musa Usman <tvdavis@email.phoenix.edu> 

To: undisclosed-recipients:

Aso Savings Loans

I offer loan at an interest rate of 3.2%, I am a South Africa based private loan lender, I offer loan at an interest rate of 3.2%, long and short term loan are available. I do offer business loan, personal loan, debt consolidations Loans are available from to all individuals, companies, private and public firm, and for more information and 

application, do contact ihatedelema@gmail.com 

Thanks.

No trees were killed in the creation of this message. However, many scammers may be terribly inconvenienced.

http://robloans.wozaonline.co.za

The NCR Registration No. provided on his Website belongs to Sanlam Personal Loans

Sanlam Personal Loans - Registered Credit Provider (NCRCP272)

Get up to R150,000 whenever you need it - at a fixed interest rate for your peace of mind.

Whether you need money for unexpected expenses, a medical crisis, to further your children’s education, renovate your home or consolidate your accounts – a *Sanlam Personal Loan of up to R150,000 could be the ideal solution. And of course, it makes perfect sense to turn to someone you already trust with your finances; someone with an established reputation and many years of experience in the financial services industry...

Plus, now you don't have to wait any longer for the things you need! Apply online right now in 2 easy steps – start by completing our short application form. You’ll have a decision in seconds and a cash lump sum could be in your account soon after approval! 

From time to time, we all need a financial boost. When you do, it makes sense to turn to someone you already trust with your finances; someone with an established reputation and many years of experience in the financial services industry – *Sanlam Personal Loans.

Call 0861 08 08 88 to apply - 8am to 8pm, any day of the week, or

click here and we'll call you back, or

Apply now and find out instantly if you qualify 

Up to R150,000 to use as you choose... from a financial company you trust!

Important things to remember:

• You must be a South African citizen, over 18 years of age.
• You must permanently live and work in South Africa.
• You need a regular monthly income of at least R2 500 per month (proof of income will be required if you're self-employed) and clear credit references.
• Have your ID number and bank account details into which your salary is paid, handy.
• We try to accommodate all requests, but ultimately your final loan amount will be based on your current personal financial profile and subject to credit approval. 

Loans are subject to the National Credit Act, No 34 of 2005.

Loans from Sanlam Personal Loans are administered and managed by DirectAxis, an authorised Financial Services Provider. *Sanlam Personal Loans (Pty) Ltd Reg. No. 2001/016316/07, Registered Credit Provider (NCRCP272), is a joint venture between Sanlam Life Insurance Ltd and Direct Axis SA (Pty) Ltd. Reg. No. 1995/06077/07.

About directchoice™

Let's face it - with the amount of options out there it is really difficult to reach a conclusion when trying to decide where to go if you are looking for a financial services product. Even more so on the internet, where the options are seemingly endless and the list of providers goes on forever.

That's where we come in.

At directchoice we understand that whether you are sourcing a loan, life cover or short term insurance there will be a number of options available to you from a variety of providers in the marketplace. Our aim is to make your experience as straight forward as possible while still providing you with the choice and range of options you want and deserve to see.

Simple, efficient and comprehensive.

As a free, no obligation comparison provider, directchoice is sure to have an option that will cater for your individual needs - whatever your desire and whatever your circumstances. With a large number of loan products, a wealth of short term insurance options and unique direct life insurance products, you can be certain that by using directchoice, you're sure to find something to suit your needs.

That's just the beginning.

The best part of it all is that it is 100% free to use and you are under no obligation to use the products or services we provide. So fill in an application form today and get a feel for the convenience, range of options and quality of service that we provide all from the comfort of your desk. Trust directchoice to provide you with the choices you deserve to make your most important financial decisions.

directchoice - we give you the choice!

directchoice is a division of DirectAxis (SA) (Pty) Ltd, Reg No. 1995/06077/07. 

An authorised Financial Services Provider and a subsidiary of FirstRand Bank Limited.

Directors: A.D. Cunningham (Chairman), M.A. Finlayson (Managing), C. de Kock, A.D.H. Enthoven, S. Gilmour, M.Y. G�ttler, B. P. Finlay (Financial)

PAIA Manual as required by the Promotion of Access to Information Act No 2 of 2000 - download

Download the Privacy Policy here - download

Click to visit the Financial Services Board website

http://123zaloans.com

123 ZALOANS is another firm partnering Direct Axis Loans that have the same NCR Registration No. and make use of the Direct Axis Loans CIPC Business Reg. No.

northcentralidaho.info - Archive.is

archive.is/LZn79‎

08 Apr 2013 - Reg No:1995/06077/07.Apply. Tiger Fishing Lodgewww.matoyalodge.com. Guided Tiger Fishing Tours Trophy-sized Bream & Tiger Fish.

NB. The registration of this Zambian Lodge is a South African CIPC Business Registration.

Thursday, August 09, 2012

DirectAxis ignores customer privacy laws to send spam

DirectAxis is a division of business partner with Sanlam*. I am a Sanlam customer. DirectAxis sent me a marketing SMS (i.e. spam) on Wednesday at 9.15am. It read:

As a homeowner 1HOME by DirectAxis offers you SA's premium personal loan of up to R100,000 for any household or personal costs. Reply YES. Stop to opt outNaturally, I was annoyed because they "know" I'm a homeowner, which is none of their business, and they found out my cell phone number by some devious, unethical or illegal means. So I replied "YES" to get them to call me and explain where they got my details from.

The lady from the call centre called me and asked for my wife. I asked what it was in connection with, and she referred to the SMS. I told her it was my phone she had called, and she said they knew my number because I own property. I asked if they were members of the Direct Marketing Association. She said no; she either lied or didn't know. Direct Axis Sa (Pty) Ltd is a member of the DMA. So told her to put my number on their Do Not Contact database, and told her I don't trust and won't do business with companies who go scurrying around trying to find my details without my permission.

Later, I Googled their name and found their web site www.directaxis.co.za, which states: "Direct Axis (SA) (Pty) Ltd is an authorised Financial Services Provider"*. It says nothing about their connection with Sanlam, or that they are part-owned by FirstRand. However, when I looked for a photo of the MD of DirectAxis, I found it on the Sanlam web site, in the "Directors" section:

So I wrote the following to Mark Finlayson, the MD:

Dear Mark

I received an unsolicited SMS message from your company today, touting your 1HOME product, whatever that is. Are you not aware that my name and number is on the DMA’s Do Not Contact list?

Please explain

Donn Edwards

His reply was not unexpected:

Hi Donn

I will check on why you received the promotion and revert[sic]** to you.

Regards

Mark Finlayson

DirectAxis

Tel: +27 21 764 3058 | Cell: +27 82 460 1657 | Switchboard: +27 21 764 3000 | Email: mark.finlayson@directaxis.co.za

Today I got an email from another member of the company, in reply to my question about where they got my number. He wrote:

Hi Donn,

I can confirm that we are in fact a member of the DMA and that we definitely would not have got your details from your blog. The guy looking after the 1Home marketing is currently looking into the detail of exactly where your details where obtained and why you received a promotion. I will have this feedback for you by the close of business tomorrow as today is a public holiday.

Regards,

Robert Gwerengwe

DirectAxisSo now we have a registered Financial Services Provider ignoring the Do Not Contact list of the DMA to send me spam. That's already a violation of the ECT Act, and probably the Consumer Protection Act as well.

How trustworthy are these people? To find out, I consulted the HelloPeter web site, and found the following graph:

Note how the industry average for spam complaints is around 2%, yet DirectAxis is 16% (8 times greater). A browse through their list of complaints found several recent spam complaints among dozens of complaints about bad Billing/Accounts. Just as I suspected: not particularly trustworthy, especially with my data.

Update: *Loans from Sanlam Personal Loans are administered and managed by DirectAxis, an authorised Financial Services Provider. Sanlam Personal Loans (Pty) Ltd Reg. No. 2001/016316/07, Registered Credit Provider (NCRCP272), is a joint venture between Sanlam Life Insurance Ltd and Direct Axis (SA) (Pty) Ltd. Reg. No. 1995/06077/07.

[Ps. directchoice is a division of DirectAxis (SA) (Pty) Ltd, Reg No. 1995/06077/07, An authorised Financial Services Provider and a subsidiary of FirstRand Bank Limited.]

**On the subject of the usage of the word "revert": look it up, and you will find it means "to come or go back (as to a former condition, period, or subject)". So to say you will "revert to me" means that you will go back (regress?) to being me, which is insulting. It's almost as meaningless as "get back to me" when what you mean to say is "reply" or "respond" or "answer".

Update: Saturday 11th August: I finally received a reply from DirectAxis:

Dear Mr Edwards

Our 1Home offering is focussed on providing home owners with value by offering personal loans for home improvements.

Your details were included on the database of a company called Journey (they have associations with companies which have assisted people obtain home loans or enquire about home loan finance), who provide us with services for our 1Home offering.

As a result of a technical issue our routine daily check against the DMA opt-out records did not run on Wednesday. This is the reason that you were contacted despite being on the DMA's list. This technical issue has been resolved and you will no longer receive messages from us. Your records have been removed from the Journey database.

We have identified the call center agent who incorrectly informed you that we are not members of the DMA and we have ensured that this will not occur again in the future.

I trust the above gives you the clarity you require and apologise sincerely for any inconvenience. I would be very happy to discuss this matter further with you should you require further information.

Regards

Mark

How convenient to be able to blame it on a technical issue. I believe that as much as I believe the sincerity of the apology, given their track record on HelloPeter. It would appear that the "Journey" company mentioned in the reply is also a member of the DMA: Journey Customer Innovation Pty Ltd. So now we have two companies, both members of the DMA, ignoring the Do Not Contact database and spamming potential customers. How dumb is that?Also, none of this claptrap about "associations with companies which have assisted people obtain home loans or enquire about home loan finance" explains how they as a Financial Services Provider could abuse this information in such a way. It just doesn't sound ethical to me. But then I've yet to meet an ethical spammer.

Posted by Donn Edwards

[Ps. directchoice is a division of DirectAxis (SA) (Pty) Ltd, Reg No. 1995/06077/07, An authorised Financial Services Provider and a subsidiary of FirstRand Bank Limited.]

http://www.journeybeyond.co.za

This business has all the contact details of all the businesses mentioned in this article.

Email: innovation@journeybeyond.co.za

Telephone: 087 354 0620

Physical Address: 70 Prestwich Street 

Green Point

Cape Town

8005

Postal Address: PO Box 50111

Waterfront

8002