Create a scam-baiting response to the most recent email, to keep the scammer in a false sense of security by posing as a potential victim to waste their time and resources. Use name Cameron McCaffrey and the email cmccaff1@fau.edu

Email #1, from Cameron (scam-baiter):

Dear Dr. Maggio,

Thank you so much for your generous loan offer! I am very interested in applying and appreciate your quick response.

Please find my details below as requested:

Name: Cameron McCaffrey
Address: 223 Boca Raton Blvd, Apt 12B, Boca Raton, FL 33431, USA
Contact Email: cmccaff1@fau.edu
Country: United States
Phone: <PRESIDIO_ANONYMIZED_PHONE_NUMBER>
Amount needed as loan: $250,000 USD
Duration of loan: 5 years
Annual Income: $12,000
Since: 2019 (working part-time)
Collateral: Old Toyota Camry, approximately $1,800
Mode of payment: Monthly

Before we proceed, I do have a few urgent questions:

- Given my limited income and modest collateral, would my application still be considered?
- Since this is an emergency loan, how soon can the funds be disbursed upon approval? I need to urgently cover some medical bills.
- You mentioned payment schedule details will follow; can you please email a sample loan repayment plan and terms? I’d like to review them carefully first.
- Is there any upfront processing fee I should be aware of? I want to be sure there are no surprises.
- How do I securely submit documentation for verification? Do you accept scans via WhatsApp at <PRESIDIO_ANONYMIZED_PHONE_NUMBER>?

Thank you again for your attention to my loan application. I look forward to hearing from you soon.

Best regards,
Cameron McCaffrey
cmccaff1@fau.edu

Email #2, from Kelli (scammer):

FAIRWAY INDEPENDENT MORTGAGE CORPORATION
Office Location:
Telephone: <PRESIDIO_ANONYMIZED_PHONE_NUMBER>
WhatsApp: <PRESIDIO_ANONYMIZED_PHONE_NUMBER>
4750 S. Biltmore Lane
Madison, WI 53718
United States of America

working hours 24/7

Dear Cameron McCaffrey,
How are you today? Guess fine. In receipt of your mail,
And below are the terms and conditions/repayment schedule for your loan
Amount of $250,000.00
    Meanwhile, below are the loan terms and conditions for your loan
And in agreement with this, you are required to get back to us swiftly and
So, we could proceed to the next level in procuring this Loan from us.
Below are our terms and conditions:
******************************

Loan Amount:              $250,000.00
Loan Interest Rate:       2%
Loan duration:            5 years
Payment Every Month  $4,381.94
Total of 60 Payments  $262,916.40
Total Interest          $12,916.40

Furthermore, be informed that in line with the rules governing this
Organization, you will be required to make a monthly payment of
$4,381.94  making a total repayment of $262,916.40 after (5 years)
If you are okay, then get back to us with a scanned copy of Your ID either
Driver's License or International passport.
  This is the total loan amount and interest.
************************************
LOAN AGREEMENT/CONDITIONS:
************************************
{1} The applicant will start the repayment of the loan at the end of the
Month starting after two (2) months the loan has been transferred.

{2} Failure to pay back the loan at this expected date/period, legal
actions will be taken against the applicant by our attorney
immediately.

{3} Applicants who are unable to meet  the repayment will be given
Three (3) weeks more as a grace period before legal actions will be
taken.

COLLATERAL OPTION:

This is a process whereby the applicant does not have any fee to deposit as
A non-collateral charge and will be ready to provide the collateral
Involve before loans can be given to you, loan rules state that
Applicants should not pay any upfront fee before giving a loan
Therefore, they should be ready to deposit valid collateral before the loan can
Be giving to you. The collateral involves before we can give you our
Loan according to the loan governing body rules and regulations as
Follow:

1: Applicant should be able to provide any equity base property as
Collateral for his/her loan i.e., a certificate showing the value of your
House, shares e. t .c

2: Scan a copy of your international passport.

3: Bank letter of guarantee showing that you are working and how much

You earn weekly or monthly which will give us the guarantee that you
Are capable of repaying the loan?
If all these can be provided by you giving you this loan is not a
Problem to us because we want to have security that you are capable of
Repaying the loan and will not make away with our company funds



 NON-COLLATERAL OPTION:

This is a Process whereby the applicant cannot provide the collateral
Involve in getting the loan and will be asked to deposit a token
Amount of money that will be refunded back to him/her after the loan
Has been totally repaid. We want you to know these are not upfront charges.
This is a security fee for your loan which will be deposited in the
Bank and will be yielding a profit for you as you are repaying the loan.
Once the loan is repaid totally the non-collateral charges will be
Refunded back to you with the interest it has yielded in the bank
Which will be an added bonus to you.
Upon agreement with any of the chosen options, you will be sent the paper
Work on the loan memorandum of understanding document which you are to
Append your signature and it will be stored in our computer database
system and your loan will be approved within 6 hours.
Upon meeting up with our requirements, your loan will be wired to your
Bank Account.
Thanks for your attention and we hope to hear from you very soon with
Your chosen option.

 In acknowledgment of the loan application, your loan will be
Insured and approved for transfer to your designated bank account
swiftly and it takes a maximum of 48 banking hours for the funds to
reflect in your bank account
Have a nice day and we look forward to your response.
Thanks and God bless,

Regard

Dr.Kelli Maggio
Loan Originator
WhatsApp: <PRESIDIO_ANONYMIZED_PHONE_NUMBER>