AP Finance Fraud
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AP Finance Screenshot - 12-Dec-2008
AP Finance Screenshot - 12-Dec-2008

This fraudster bears no relation to any other company of the same or similar name and should not be confused. The above website graphics and the money laundering job below are intended to identify this fraudster alone.

AP Finance is a fairly obvious money laundering mule fraud website that is related to many others documented on this website and is the identical follow on fraud to Anthem Premium Finance with just a simple name and logo change. It is a more or less identical fraud to SmartOne Inc. that was going around earlier in the year which then links it to the De Cart Ltd fraud, the Renaissance Capital Advisors Ltd scam, the Trust Company Inc, Finance International, E-Z Transfer, SurRate Inc, Des Group Inc., Business & Professional Consultants Inc. scams and no doubt many others, in other words it's a standard run-of-the mill money transfer fraud of the type that are turned out by the dozen by the same bunch of criminals using the same hosts and registrars that they regularly use. They're still using the old miss-spelt flash banner they used for SmartOne Inc. which originated from one of their previous aliases Ketler Secure Financing which is a bit of a give-away. Their initial domain a-p-finance.com was only registered with GoDaddy on 08-dec-2008, their location details are fake, they are not a US registered company and this particular company has no internet presence, (not to be confused with any genuine company of the same name). Clearly fraudulent.

AP Finance : Evidence of Criminal Fraud

i) AP Finance say on their 'About Us' page "What it's grown into
Robert STAMP, an American businessman and the owner of a big network of Internet shops was at the presentation of the report. He was the first to appraise the perspectives of application of finance management external structure. The same day Mr. Miller and STAMP made a verbal agreement on practical implementation of the idea by Mr.STAMP which in the future has grown into official partners' relations.

Shortly, with the help of a team of IT experts Mr. STAMP managed to develop a system, based on Mr. Miller's theory. The system allowed separating the financial management from business operations of a particular company. A lot of companies highly appreciated the benefits of AP Finance system and it became popular extremely fast". It's certainly ungrammatical nonsense and it may have been "
extremely fast" but four days? (the criminal's domain a-p-finance.com was only registered with GoDaddy on 08-dec-2008. I think not - a clear indication of fraud.

ii) a Google search for "AP Finance" (include quotes), shows no web presence at all for these crooks, (not to be confused with any genuine company of the same name).

iii) Notice that they are still using the flash banner from one of their earlier aliases - Ketler Secure Financing, also used for their SmartOne Inc. scam.

iv) It's a more or less identical scam to SmartOne Inc. - notice the miss-spelt "Immediate deals with maximum convinience" in the above flash banner.

v) The AP Finance website's real function is to spamvertise an illegal money mule position accepting fraudulent funds into your account and transferring them back out to the criminals via Western Union or Moneygram for a percentage cut.

vi)  Here is the Money Mule job of "Administrative Assistant" from their website:

Administrative Assistant

Job Description
The task of the Administrative Assistant is to process payments between our partners' clients and our company, in particular, to manage cash and balance receipts, follow up on accounts, etc. The job is related to remote Internet operations. Every payment order will be accompanied by detailed instruction. It is also the duty to interact and report all the details of every action you take to our manager. The brief training course is enclosed.

* Some details of the work with our company are subject for changes. However that should have give a reason for worries, as our employees are always notified in advance, and participate in work only if they agree to the changes.

Salary
5% - 15% from each transaction depending on the amount of the deal. The exact commission will be discussed right before the deal.

The amounts of our deals vary from $1,000 to $25,000. The number or the deals that you'll take part in is not limited and only depends on your personal skills, responsibility and communication abilities. If our managers see that in your work, you will be responsible for more and more valuable deals with bigger amounts. In other words, your salary depends on you totally, no limits.

Candidate requirements

    * Must be 21 or older.
    * Willingness to work from home, take responsibility, set up and achieve goals
    * Ability to create good administrative reporting
    * Prior customer service experience is a good benefit, but not a must
    * Honesty, responsibility and promptness in operations
    * Effective interaction with customers
    * Familiar to working online, Internet and e-mail skills
    * The ability of stable communication with our company and on-time and detailed reporting
    * One or several personal bank accounts needed.

General: This job will allow you to:

    * Work efficiently from home;
    * Increase available personal time
    * Achieve financial independence in half the normal time (1-3 hours per day)
    * Interact and associate with other members in order to benefit from their knowledge and experiences
    * Develop high self-respect and esteem.
    * Develop communication and business skills essential for work in other spheres.
    * Receive additional awards and bonuses for good-quality and accurate work.

You have attentively read through the job vacancies and have chosen the one that sounds like a match for you? You are sure that you are able to work for us and you are willing to start working with us? If so, then follow the three steps to apply for the job:

    * Go to our Terms and Conditions. Take time to read and understand every aspect of it.
    * Thoroughly read and understand our Privacy Policy.
    * If you have agreed to the information read in steps 1 and 2, and understand that this job is what you are looking for, please fill out our Registration form

If you have any questions, you can address them to job@a-p-finance.com. You must include your full name and exact reason for contacting us.


Once again, the proposed job could not be clearer - it is the well known and totally illegal money laundering mule position which entails receiving stolen or fraudulent checks into your bank account and immediately wiring them back to the criminals via Moneygram or Western Union. It will get your account closed, your assets frozen and could earn you a criminal record - don't be tempted.
vii) No legitimate company is going to spamvertise among the untrained, inexperienced and uncertified general population for a payments processor acting as a spare time, work from home criminal money transfer agent accepting funds into a private account and transferring a balance out via Western Union. Such a proposition defines the company without doubt as criminal and fraudulent.

viii) Contact Details (from the website):

Mailing address:

A P Finance.
22917 Pacific Coast Highway
Malibu,
CA 90265
Phones:

(760) 536-8716 (main office)
(760) 536-8716 (voice/fax)

• - These are exactly the same location details as for the criminal's other alias - Anthem Premium Finance but different telephone numbers.
• - They are not listed as a company at the street address of 22917 Pacific Coast Highway, Malibu.
• - The telephone number (760) 536-8716 is listed as being on the Vista exchange, about 100miles away from the Malibu exchange.
• - The main office and the voice/fax number are both the same, not a sign of a large company.

ix)  A California State Business Register check shows that the AP Finance company is not registered as a company in their supposed location of California - check for yourself. Irrefutable evidence of a fake company and therefore criminal fraud.

x) The Spam:
From: "Personnel Department" <xxxxx@gmail.com>
To: <>
Subject: Income 7,200-12,910. Home-based position. Legal/Finance company
Date: Thu, 11 Dec 2008 21:42:52 +0000

Use your experience and talent to join a first-class business manager
position in AP Finance.
AP Finance is currently looking for active people, who want to get a
prospective and well-paid work.
Our business consulting and trading company looking for people, who
are available to work from home in US.
Are you ready to begin a career filled with freedom, satisfaction, and growth?

We are searching for active workers, male/female from 18 years old.
We are ready to offer you an interesting job and partnership.
We are ready to provide a good salary and profits $1000 - $1500 per week
All start u p fees covered by the company.

Requirements for a job:
- Honest, responsible, industrious;
- cell phone number;
- computer;
- 3 hours of free time daily;
- communication skills



Schedule:

Flexible, Monday to Friday, 5 days per week, upon request, 9:00am - 1:00pm


If you want to get a full description of this job, please email us:
customer.anthempremiumfinance@gmail.com


A site correspondent who requested further details received the following reply:

From: "AP Finance" <customer.anthempremiumfinance@gmail.com>
To: <>
Subject: Re: Home-based position. Legal/Finance company
Date: Fri, 12 Dec 2008 15:55:05 +0000

Dear xxxxxxxxx,

We are glad that you showed an interest in an opening in our company.
My name is Tracy Miles, and I am the HR Manager of AP Finance.
I would like to say a few words about our company and its area of activity.

We deal with:
- preparation and conducting of deals between parties and partners;
- control over financial operations;
- preparation of large loans;
- acting as underwriter for many financial operations;
- stock trades and market analysis.

We have many regular large customers, who appreciate our services. As
opposed to banks, we provide a much broader range of ser vices
necessary for our business clients. Our specifically designed,
high-quality trade management software, Trade Performance 3.1, makes
the work much easier and you may deal with business without leaving
your home or office!

AP Finance believes that high quality software-based
trade management and execution tools can help individual and
institutional traders achieve superior trading results. Our business
is to develop and deploy these trading tools and to use them to forge
partnerships with money managers, trading firms and traders.

For years, AP Finance has worked at the forefront of
trading technology to create trading solutions of value. Now AP
Finance
has added its Director of US Trading Operations
to take advantage of its business potential. With key individuals on
board, AP Finance is poised to develop new partners
and markets.

In order to optimise expenses, since 2006 we employ any residents of
USA, while only those who pass the interview and verification may
become a part of our company, while residing in any of the towns of
our country. This work does not require starting expenses, but you
should successfully pass the training and probation period.

I would now like to say a few words about the vacancy, which we are
glad to propose to you. Our company invites for cooperation those who
have their own business name or business account of any type (business
checking, business savings ... etc.). During the first month you work
using only your own account, but after the probation period the
company will provide you with your own trading account which you can
use to perform stock transactions 24 hours a day! However, for the
probation time you can even use a regular personal checking account,
which can be opened in one of the US major banks.

If you don't have your own business account, then we will be glad to
help you to register it!!
You may combine work in our company with another job.
You should be extremely conscientious and disciplined while performing
your employment duties.
You should check your e-mail 6 times a day and be ready to receive
calls from our manager.

The main thing for us is your desire to become a co-worker. We foresee
a broad system of bonuses and rewards for our employees.

You can read report about our company at the Better Business Bureau:
http://www.labbb.org/BBBWEB/Forms/Business/CompanyReportPage_Expository.aspx?Com
panyID=29004432

If you meet our requirements, which, as you see, are quite simple – a
desire to work and grow – then please reply to this e-mail and we will
send all further instructions.

I hope that you will make the right decision and become a part of our company.

Yours sincerely,
Tracy Miles
AP Finance
www.a-p-finance.com


The above evidence clearly demonstrates beyond any doubt that the AP Finance website has been set up by money laundering & re-shipping fraudsters purely for the purpose of spamvertising illegal jobs. If you are a registrar or a host abuse team that has received an abuse report regarding these fraudster's domains or hosting, please consider immediate termination of their services in view of the absolutely undeniable evidence of criminal fraud - please don't delay - these criminals will not respond to any communication from you, (all their whois data is false), but will simply take advantage of any attempt at communication as a delaying tactic to allow them time to carry on their criminal activity and prepare their next network.
AP Finance Fraudsters - hosting details

Main Domains, Registrars and  Hosts
Domain

a-p-finance.com

Registrar

GoDaddy (08-Dec-2008)
Host Network

Servage GmbH
Host IP

 92.61.146.189


Suspended/Disabled
Active
Please notify me of any other current domains used by this criminal.

DNS Data (Valid for a-p-finance.com)
How I am searching:

Searching for a-p-finance.com A record at d.root-servers.net [128.8.10.90]: Got referral to G.GTLD-SERVERS.NET. (zone: com.)
Searching for a-p-finance.com A record at G.GTLD-SERVERS.NET. [192.42.93.30]: Got referral to ns1.servage.net. (zone: a-p-finance.com.)
Searching for a-p-finance.com A record at ns1.servage.net. [77.232.76.14]: Reports a-p-finance.com. Response:
DomainTypeClassTTLAnswer
a-p-finance.com.AIN2160092.61.146.189
a-p-finance.com.NSIN21600ns1.servage.net.
a-p-finance.com.NSIN21600ns2.servage.net.
a-p-finance.com.NSIN21600ns3.servage.net.
a-p-finance.com.NSIN21600ns4.servage.net.


Looking up at the 2 a-p-finance.com. parent servers:

ServerResponse
ns1.servage.net [77.232.76.14]92.61.146.189
ns2.servage.net [217.70.34.151]Timeout

The host for this criminal is listed as Servage GmbH on IP address 92.61.146.189
Fraud Blog Initial entry 12th. December 2008.

***Latest News*** 15th. December -2008

Information from Simon Bear - the domain a-p-finance.com has been suspended. Please notify me of any active domains.