Contant OY (Contant Finance) (Stolen Identity) Fraud
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This fraudster should not be confused with any legitimate company of the same or similar name - the following website graphics and the evidence of fraud identify the fake Contant OY website, these criminal fraudsters and no other company. The company identity has been stolen from a genuine company of the same name and the website content has also been stolen from a legitimate payments processing service. See the identical Finha Capital OY (Stolen Identity) fraud.
Contant OY (Contant Finance) - Stolen Identity scam screenshot (18-Apr-2010)
Contant OY (Contact Finance) - Stolen Identity scam screenshot (18-Apr-2010)

Contant OY (Contant Finance) - Stolen Identity. This is just a standard serial Russian scam website that has been set up to form a front for a money laundering job advertisement. The MO, the stolen website content, the identical FAQ page, the Finnish location, the use of a robots.txt file, the registrar and the use of the freedns.ws nameservers link this fraudster to the 'Medical Payments' and their associated fraudsters, including Diamond-Exchange Inc., Silver Services Inc., Active Solutions Inc., Silver Finance Inc. and latterly Platinum Funds., Webeca Payments Inc., Neweca Payments Inc., Med Payments Inc., Paymate Solutions Inc., Den Payments Inc., My Health Direct Inc., Medical Direct Inc., Medical Finance Inc., World Medical Payments Inc., Medical Payments Inc., Med Finance Flow Inc., Medical Payment Solutions Inc. (Stolen Identity), CentroMed Finance Inc., Healthcare Payments Inc., MedFinance Inc. and Noir Medical Inc. (Stolen Identity), V-Medical Payments Inc., MyMobile Medical Inc. and Smith Medical Inc. and Allegro Medical Inc. (Stolen Identity) and Quantel Medical Inc. (Stolen Identity) - this is quite a prolific serial Eastern European fraudster with numerous previous linked aliases. The 'Medical Payments' scammers domain whois details also directly link the above crooks to the 'kneber' botnet, (see the Quantel Medical Inc. (Stolen Identity) scam), and other fraudsters including 24 Hour Express Service, Crampton Investments, and Proteus Solutions. See This Washington Post article by Brian Krebs for background information on these criminals in general. There are two other identical current aliases for these criminals, they are Finha Capital OY (Stolen Identity) hosted on the same IP address and BIN FINANCE OY - this is a serial fraudster. Grateful thanks to Kimmo bear in the Finnish branch for the heads-up and his painstaking research on this scam. An examination of the source code shows Russian tags attached to the Joomla CMS the crooks use and the XML language set is Russian.

Contant OY (Contant Finance) - Stolen Identity : Evidence of Criminal Fraud

i) The criminal's site content is stolen page-for-page from this long established genuine payments processing company, so any claims on the fake site are irrelevant to these crooks - evidence of site theft and misrepresentation.

ii) Any claims of an established service on the above stolen website are complete nonsense as the criminal's website domain contant-finance.com was only registered with Bizcn.com, Inc. (R1248-LROR) on 01-Apr-2010 for the usual 'criminal's domain' minimum period of only one year and the whois details have been masked by the usual 'privacy protect' system which would make no sense for a legitimate company - An indication of a fraud domain.

iii) The criminal makes use of a 'robots.txt' file in 'disallow' mode to prevent any search engine from 'seeing' the website content - no genuine company would do that - evidence of a fake company.

iv) These criminals are identical to the 'Medical Payments' fraudsters, (e.g. Quantel Medical Inc. (Stolen Identity)), in the following respects: The same payment processing MO, the identical FAQ page, (below), the stolen site content, the Finnish location, the use of a robots.txt file, the same domain registrar and the same freedns.ws nameservers. It is undoubtedly the same fraudsters. This Washington Post article details the criminal activities of the 'Medical Payments' criminals.

v) They have stolen the identity of a genuine registered Finnish company of the same name which was a Finnish debt collection agency. (It was taken over in 2002 by this company).

vi) A Google search shows absolutely no internet presence at all for the website content for this particular fake "Contant OY", (just their website address), which is not surprising as the criminals are using a robots.txt file to block all search engine access to their website - only a fraudulent website would do that. Not to be confused with the real company of the same name which the Google hits show was taken over in 2002.

vii) Fraud Website Contact Details

Contact us today!

***These contact details have been stolen from this genuine company that took over the Contant Oy company in 2000 and so have been converted to an image***

CONTANT OY
Stolen contact details
viii) Here's the FAQ from their website (Identical to all the other criminals aliases as listed above, including the Medical Payments fraudsters):
# Why does your Company require Financial Managers ?

As far as we make transactions with help of individual Financial Managers via Instant Money Transfer Systems, such as Western Union or Money Gram, we avoid imposition of taxes on our funds. To put it in simpler words, we pay taxes to our local authorities before funds are transferred to your bank account. In addition, it is not required to indicate these profits in your tax declaration. However, if you prefer to pay taxes by your own means, it is not restricted (contact our support service to get additional information). But you should note that transactions marked as “commercial” have a smaller volume and require more time and efforts to be processed. This is why we always recommend our Managers to indicate these transfers as “personal”, as if they were forwarded to your friend or relative.

# Where can I get my check cashed-out ?

1) You cash-out your check in Wal-Mart stores for a small fee
2) ACE Cash Express - www.acecashexpress.com
3) You cash-out your check in some grocery and retail stores
4) Speedy cash - www.speedycash.com
5) Advance America Cash Advance - http://www.advanceamerica.net/
6) You cash-out your check in your bank or in the bank which has issued that check.

Our company will undertake for the all check-cashing fees.

# Describe my duties and responsibilities. Why don't you make your transactions by your own means and reserve the commission ?

Once our customer has made a payment to your bank account or sent you a check, you will have to visit your bank and get this money cashed-out. As soon as you get cash exceeding $2,000 you might proceed to the final step. In order to complete transaction you will have to visit Money Gram or Western Union office. Sometimes it is required to transfer money via Wire Transfer Systems instead of Instant Money Transfer Systems. We will provide you with full receiver’s information for every transaction.

Our company is engaged in the business of medical payment processing. Average order amounts USD 100-300. Some of our customers prefer to pay by checks.
When our customer forwards a check to our office in Helsinki, Finland, it usually takes 7 days to be delivered to us, through a complex logistics system.
It also takes much money and time for us to cash-out US check here, in Finland.
If our customer prefers to make payment for orders via Western Union, the transaction becomes very expensive. For small-sized orders of $100-300 the commission fee of Western Union amounts $15-40.
However, the transfer of $2,500 costs just about $125.

For example, if our customer has several orders to be transferred, the separate transfer of them would amount ~ $375.
But single transfer of $2,500 would amount just ~ $125, three times less.
That’s why our customers send payments directly to Finland once the total sum reach value of $3,000.
This transaction system allows us to make our payments faster, make a higher commission for our employees and, at the same time, to earn money.

# How many transfers per day/week/month will I process ?

It depends on the quantity of the orders. It may vary from one transfer per week to several transfers per day. We will inform you of the number of transfers beforehand, as well as of the transfers sent to you.

# When will my commission be increased from 8 % instead of 6 %? What are my perspectives for the career growth?

Initially the commission for all our employees amount 6 %. Further, once you will open an individual checking account for this job, the commission will be increased to 8 %.

# Can I invite my friends? [They won't be your friends for long if you do....]

Yes, of course.

# In what currency should I receive the money? In what currency it should be sent? Is there any necessity to exchange the currency ?

In most cases we make payments in US dollars. You will have to send money in the same currency which you have received. There is no necessity to exchange the currency.

# Who undertakes for compensation of transfer commission? Isn't it too expensive to use Instant Money Transfer Systems, such as Western Union or MoneyGram? Will it be deducted from my commission?

Our company will undertake for all the costs related with money transfers. Absolutely nothing can be deducted from your commission; your commission will be exactly equal to the agreed one (during the first month your commission will amount 6 % of total transfers made via your account).

# You asked to send my ID by fax message, but it doesn’t operate. What should I do?

Our fax is always online, so it seems that the problem is in your fax. If you can't fax your ID, you still might scan it and send it via e-mail. If you do not have a scanner you can visit your nearest cyber cafe for help.

# I want to get your company's contract sealed and signed by CEO.

We shall provide it to you at your first request.

# Is it legal? [Of course it isn't - Ed.]

Yes, our business is absolutely legal. We have documentation which proves it.

# I don't have higher education degree in financial sphere, is it important ?

No, you can learn how to work with transfers. We are always ready to help you.

# Do you work in the USA only ?

We work with major countries round the whole world.

# What would happen if I receive check with non-sufficient funds, canceled check, or bad checks ?

Our company undertakes for refund of checks with non-sufficient funds, canceled checks, or bad checks. However, such situation are very rare to happen.

# What does the amount of payments depend on?

It depends on your work solely. If you transfer money promptly and without any delays you will receive your next bank transfer or check immediately after you’ve sent the previous one. Everything depends on your own efforts; you may expect to receive up to 5-6 transfers or checks per week.

# How often and how will I be paid?

You will deduct your commission directly from each processed payment. This means that you will be paid the same day you transfer the payment.

# Are there any fees or payments to start this work?

No fees are included in orders to start and perform the work. All is required is your personal computer with Internet access. This is your best opportunity to start working as a telecommuter.
The above FAQ page is identical to the 'Medical Payments' fraudsters, (see the Quantel Medical Inc. scammer page), confirming these are the same scammers.
ix) You do not get a clearer description of the ILLEGAL money mule function of accepting stolen funds to your personal bank account and transferring a balance back to the criminals via Western Union than that - it will lose you a lot of money, get your bank account closed and your assets frozen and earn you a visit from the police. Do not be tempted or you will certainly regret it.

x) No legitimate company would advertise for private citizens to operate as unlicensed and illegal money transfer agents. To do so defines this fake company as both criminal and fraudulent. There is also a 'phishing' for identity theft aspect due to the nature of identity proof usually requested upon registration. evidence of criminal fraud.
xi) Victim Feedback:
"I was contacted by Contant OY and scammed out of $5,000 in bad checks deposited in my personal bank account. The website is still active".

Attached information:

Contant OY
Kaivokatu 10 A 00100 Helsinki FINLAND,
E-mail: Johanna@contant-finance.com
Phone: +358 (10) 27 00 00
Fax: +1 (877) 202-4396

Contant OY [Kaivokatu 10 A 00100 Helsinki FINLAND] ("Employer")
xxxxxxxxx ("Employee")

PRESENT EMPLOYMENT AGREEMENT shall commence on the 09 day of April 2010
and shall continue for the period of 1 year.

Contant OY, Kaivokatu 10 A 00100 Helsinki FINLAND

Tom Stewart

Contant OY, Kaivokatu 10 A 00100 Helsinki FINLAND

APPENDIX OF THE AGREEMENT
Following brief describes types of working activities, transfer procedures, compensation
amounts and scope of work to be executed:
Intermediary financial operations (performance of intermediary duties in banking
activities)
The status of a Transfer Manager allows discharging intermediary duties in banking
activities (in this connection, Transfer Manager is obliged to keep confidentiality of
transactions). To perform intermediary activity, Transfer Manager shall enter his / hers
information in checking account (it is possible to use a regular account of Transfer
Manager or create a special checking account).
Funds and checks transferred to Transfer Manager's checking account are not a property
of Transfer Manager, they cannot be used for own purposes of Transfer Manager, Transfer
Manager shall not transfer them to non-authorized third parties.
Funds transferred to Transfer Manager's checking account shall be retransferred to
Employer within 24 hours in accordance with important conditions stated in the Instruction.
Funds transferred to Transfer Manager in form of check shall be retransferred to Employer
24 hours since the check was verified in accordance with important conditions stated in the
Instruction. In case of violation of Transfer Terms a Transfer Manager shall be imposed a
penalty in form of reduction of his / hers Compensation by 1 % per each day of delay.
Transfer procedure and amount of Compensation:
Compensation of intermediary operations amounts 6 % of transferred sum.
In addition, Transfer Manager shall be awarded additional 2 % in case of opening a special
checking account for realization of intermediary activities.
Transfer Manager shall provide Employer with a full list of banks located in a city where he
/ she resides, where he / she can open a checking account.
As far as terms of bank transactions are different in various banks, this procedure will allow
Employer to choose the most convenient bank for each party.
The above evidence demonstrates beyond any doubt that the fake Contant OY (Stolen Identity) website has been set up by money laundering criminal fraudsters purely for the purpose of spamvertising an illegal money laundering 'mule' job. If you are an abuse team that has received an abuse report regarding these fraudsters, 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.
Contant OY Fraudsters - hosting details

Main Domains, Registrars and Hosts  
Domain

contant-finance.com
 		 Registrar

Bizcn.com, Inc. (R1248-LROR) - 01-apr-2010
 Host Network

BEST-HOSTER-NET (Best-Hoster Group Co. Ltd) of Saint-Petersburg, Russia

 Host IP

91.215.170.53
Key:
Active
Suspended or Inactive
Parked

Please notify me of any other current domains used by this criminal.
Domain Whois Data [These are criminal registered domains - the  whois details are fake or stolen - personal details may be redacted where necessary]
Registrar:     BIZCN.COM, INC.
Status:        clientDeleteProhibited
Dates:         Created 01-apr-2010   Updated 01-apr-2010  Expires 01-apr-2011
DNS Servers:   NS1.FREEDNS.WS  NS2.FREEDNS.WS 

Domain name: contant-finance.com

Registrant Contact:
   Whois Privacy Protection Service
   Whois Agent xgapwaurnb@whoisservices.cn
   +86.05922577888 fax: +86.05922577111
   Xiamen Software Park shengshi Building
   xiamen fujian 361005
   cn

Administrative Contact:
   Whois Agent xgapwaurnb@whoisservices.cn
   +86.05922577888 fax: +86.05922577111
   Xiamen Software Park shengshi Building
   xiamen fujian 361005
   cn

Technical Contact:
   Whois Agent xgapwaurnb@whoisservices.cn
   +86.05922577888 fax: +86.05922577111
   Xiamen Software Park shengshi Building
   xiamen fujian 361005
   cn

Billing Contact:
   Whois Agent xgapwaurnb@whoisservices.cn
   +86.05922577888 fax: +86.05922577111
   Xiamen Software Park shengshi Building
   xiamen fujian 361005
   cn

DNS:
ns1.freedns.ws
ns2.freedns.ws

Created: 2010-04-01
Expires: 2011-04-01
DNS Lookup: contant-finance.com A record
Searching for contant-finance.com A record at k.root-servers.net [193.0.14.129]: Got referral to i.gtld-servers.net. (zone: com.)
Searching for contant-finance.com A record at i.gtld-servers.net. [192.43.172.30]: Got referral to ns1.freedns.ws. (zone: contant-finance.com.)
Searching for contant-finance.com A record at ns1.freedns.ws. [91.207.4.10]: Reports contant-finance.com.
Response:
Domain Type Class TTL Answer
contant-finance.com. A IN 86400 91.215.170.53

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

Server Response
ns1.freedns.ws [91.207.4.10] 91.215.170.53
ns2.freedns.ws [69.31.84.58] Timeout

As listed, this criminal's website is hosted by BEST-HOSTER-NET (Best-Hoster Group Co. Ltd) of Saint-Petersburg, Russia on IP address 91.215.170.53. This is the same Russian IP address used by the identical Finha Capital OY (Stolen Identity) fraudster.
***Latest News*** Initial entry 17th. April 2010
***Latest News*** 28th. April 2010
Victim feedback added