I'm the recipient of scads of spam.
Used to be, a goodly portion of the messages offered me the opportunity to enlarge my virile member, and drugs to stiffen it. Another tranche of missives invited me to participate in myriad variants of the
Nigerian "419" scheme--to transfer millions illegally in exchange for a cut of the loot, including
Suha Arafat's clandestine estate.
There are fashions in spam. Nowadays I get lots of stock tips in graphic form, to evade the spam filters, offers to sell me fake Rolexes, and to download cheap (and probably pirated) Windows software, which, as a Mac cultist, I don't use.
Today's topic, however, is the increasingly common solicitation for "Christian" financial services, such as payday loans. For example, today I received an unsoliced email that contained this image:
I'm intrigued by the "Christian" angle. For much of its life, the Church condemned lending at interest, while tolerating the lending activities of a caste of Jews who lacked the same scruples as to the practice. These days, it tolerates the practice, but it's hard to see what would make a lender's activity "Christian," besides, perhaps, declining to make a profit on the sorrows of the poor.
I'm no sleuth, but Google provides a few tools even for amateurs such as I. It turns out that the address of this particular lender is in Las Vegas, and although its address is given as "848 N. Rainbow Blvd. # 612" in Las Vegas NV, Google Maps's imaging software seems to show only a small building, suggesting that there's no sixth floor, and we're dealing with a mail drop.
If we go to their website, in the small type, there's a disclaimer:
* Christian Faith Financial is a financial matching service - matching prospective borrowers with prospective lenders. Your information may be placed with one of several independhttp://www2.blogger.com/img/gl.link.gifent loan companies. Not all independent loan companies will approve you for a loan or can provide you with up to $1,500 on your first loan. We cannot guarantee final approval of unsecured cash loans. Qualifying for final approval of a cash loan depends on various factors including income and the state in which you reside. Christian Faith Financial is not a financial institution or a lender. The independent loan companies may verify your supplied information with any number of independent verification companies including but not limited to: CLVerify, Teletrack, or Accurint.
In short, the website is just a finding service for a series of payday lenders. The FTC
warns against them, and the Nevada Legislature is considering tightening control on them.
Then I checked the domain from which the spam came,
streetsworlds.com. This appears to be a bad credit lending site, with nothing particularly Christian about it. A "whois" search of the domain name leads to
Reliant First
Web Master (customer.dept@reliantfirst.com)
952 Troy-Schenectady #310 Road
Latham
NY,12110
US
This website advertises email and web marketing services. In short, if Reliant First is not an illegal spammer, it's something close. Unless it's somehow related to a Canadian mortgage lender, also named "Reliant First."
If I were an investigative reporter, or wished to invest additional time in phone calls and web searches, undoubtely I could find out a good deal more without much difficulty. Certainly, it seems that the "Christian" label and the Bible quote are just window-dressing designed to bring in the marks. According a
posting by the Arizona Corporation Commission, this is known as "afffinity fraud," using the mark's ethnic or religious association to attract him to a scam such as this one:
In Arizona, the Baptist Foundation of Arizona is a recent example of an affinity fraud. The Corporation Commission issued an order requiring the Baptist Foundation of Arizona and two related corporations, Arizona Southern Baptist New Church Ventures, Inc., and Christian Financial Partners, Inc., to cease and desist from violating the Arizona Securities Act in offering and selling their investment products. The three nonprofit corporations have sold more than $530 million in investments involving promissory notes, to more than 13,000 investors throughout the United States. An investigation conducted by the Securities Division revealed that the Foundation had misrepresented its financial condition to investors.
The Christian press itself contains many stories about the surge in "Christian" scams, such as
this one, which includes the following:
I've been a securities regulator for 20 years, and I've seen more money stolen in the name of God than in any other way," said Deborah Bortner, president of the North American Securities Administrators Association. Securities regulators are warning that religious-based investment seams have risen dramatically, citing three prominent cases that accounted for a total of $1.5 billion in losses.
Bortner, who is also director of securities for the state of Washington, said in a statement August 7 that "when you invest you shouldn't let your guard down merely because someone is appealing to your religion or your faith." In the past three years, securities regulators in 27 states have taken action against hundreds of individuals and companies that used spiritual or religious beliefs to gain the trust of investors.
The association cited the cases of Greater Ministries International Church, the Baptist Foundation of Arizona and the IRM Corporation as key examples of a fraudulent mixture of religion and money. Association officials held a news conference in Washington, D.C., the day after Gerald Payne, founder of the Tampa, Florida-based Greater Ministries International Church, was sentenced to 27 years in prison on fraud and conspiracy charges.
To summarize, this proves Shakespeare right when he wrote, "The devil can cite Scripture for his purpose."
Jim Bakker lives.
Meanwhile, if you feel your
virile member is inadequate, have I got an herb for you . . .
Labels: Christianity, fraud, religion, scams