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 email cmccaff1@fau.edu

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

Dear Dr. Maggio,

Thank you very much for your detailed explanation and the repayment schedule. I appreciate the transparency regarding the collateral and non-collateral options.

Since my Toyota Camry is only valued around $1,800 and I don't have any other property or shares to use as collateral, I would like to explore the non-collateral option. However, I’m a bit nervous about the “token amount” that is to be deposited for the non-collateral loan. Could you please clarify:

- Exactly how much is this token amount?
- How and where will it be deposited; is it to your company’s bank account or a third party?
- What proof will I receive to confirm that this money is safely deposited in the bank?
- How will the “profit” generated by this token amount be calculated and paid back to me?
- If the loan is approved within 6 hours after I submit the documents, can you please send me a sample copy of the Memorandum of Understanding beforehand? I want to read all terms carefully to ensure I fully understand my obligations.

Regarding the documents, since I’m currently located in Boca Raton and have limited access to professional scanning equipment, would it be acceptable to send clear photos of my driver’s license and bank statements via WhatsApp to the number you provided? Also, are these images securely handled and encrypted on your end?

Lastly, I just want to double-check: as my income is limited to $12,000 a year part time, will you consider my application approved once I complete the documentation and token deposit? Or is there any further credit check or verification step by your side?

I am very hopeful to proceed quickly, as my medical bills are pressing. Your prompt and patient guidance means a lot during this stressful time.

Thank you again, and I look forward to your detailed reply.

Best regards,
Cameron McCaffrey
cmccaff1@fau.edu

Email #2, from Kelli:

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

Dear  Cameron McCaffrey,
Thank you for the swift response concerning your mail. The total amount you are to pay is $4550 for the non collateral deposit.

The proof that you are going to receive if the money is deposited in your account is that we are going to send you your bank deposit confirmation slip. That is after we have deposit it in your bank account.

We are going to refund your non collateral deposit after you have paid back our loan. We will deposit the non collateral payment into a fix deposit account that will be calculate alongside the day you will refund our loan and will be wildraw and return to you.

We are going to send you a memorandum of understanding.
We give loans to individuals or companies in regards to your credit check.

You can submit your paperwork and driver's license through whatsapp. please send us your whatsapp number so that we can continue the conversation on whatsapp since the loan is urgent.




Regard
Loan Originator
Dr. Kelli Maggio