Jerkku Pekka OY (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 clearly identify the fake Jerkku Pekka OY website, these criminal fraudsters and no other company. The company identity has been stolen from a genuine company of the same name, (confirmed), operating in a totally unrelated field and the website content has also been stolen from a legitimate payments processing company.
Jerkku Pekka OY - Stolen Identity scam screenshot (29-Apr-2010)
Jerkku Pekka OY - Stolen Identity scam screenshot (29-Apr-2010)

Jerkku Pekka OY - Stolen Identity. This is just a standard serial Russian scam website using an off-the-shelf Drupal template that has been set up to form a front for a money laundering job advertisement. The stolen identity, the stolen website content, the identical FAQ page, the Finnish location, and the use of the freedns.ws nameservers link this fraudster to the 'Medical Payments' fraudsters and their associated frauds, 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 clearly 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 other identical content, (different Drupal template), aliases for these criminals, for instance Finha Capital OY (Stolen Identity), BIN FINANCE OY, Contant OY/Contant Finance (Stolen Identity) and Eq Pankki OY (Stolen Identity). They also had the identical fraud alias (now dead) of Nordea Securities OY (Stolen Identity) - this is clearly a serial fraudster. Grateful thanks to Kimmo bear in the Finnish branch for his painstaking research on these scams. An examination of the source code shows Russian tags attached to the Joomla CMS the crooks use and the XML language set is Russian.

Jerkku Pekka OY - Stolen Identity : Evidence of Criminal Fraud

i) As per his usual MO, the criminal uses an 'off the shelf' Drupal template and his 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.

ii) Any claims of an established service on the above stolen website are complete nonsense as the criminal's website domain jerkku-pekka.com was only registered with  BIZCN.COM, INC. on 17-apr-2010 for the usual 'criminal's domain' minimum period of only one year.

iii) The criminals have stolen the identity of a genuine registered Finnish company operating in the wholesale tobacco related products field - totally unrelated to the criminal's fraud operation. The company has been contacted and have confirmed that their identity has been stolen by these criminals.

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 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) A Google search shows absolutely no internet presence at all for the website content for this particular fake "Jerkku Pekka OY", 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 wholesale tobacco goods related company of the same name.

vi) Fraud Website Contact Details

Contact us today!

***The following contact details have been stolen from this genuine company and so have been converted to an image***

Contact us today!

Jerkku Pekka OY

Fake address
vii) 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.
viii) 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.

ix) No legitimate company would advertise for private citizens to operate as unlicensed and illegal money transfer agents. To do so clearly 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. Clear evidence of criminal fraud.
x) The Spam:
From: stephanie mariscal <stephmariscal@gmail.com>
Date: Wed, Apr 28, 2010

Dear xxxxxx,

Our firm have found your resume in CareerBuilder database, reviewed it and sure that you to be a great applicant for the job which we offer.
Our Organization are now searching few qualified individuals for a vacant position "Account Coordinator".

The main task of this position is to collect payments ( wire transfers and checks ) from our clients in USA.
If you donā?Tt have bank account, We will help you to open a new one.

Average salary is $600-$800 per week.

General Requirements:

- Ability to work at home
- Age: 21+
- Computer skills (MS Word), personal e-mail address
- Responsibility
- US Citizenship


ALL FEES PAID BY US

If you are interested, please, register here(http://jerkku-pekka.com/rim/?link=getjob&rnd=28723792)
xi) If you respond to their spam, you get sent a link to the following fake contract
INTERNATIONAL REMOTE WORK PROGRAM

Fake logo
 Jerkku Pekka OY
 Ansarintie 2-4 00350 Helsinki FINLAND,
 E-mail: Eveliina@jerkku-pekka.com
 Phone: +358 (9) 587 00 92
 Fax: +1-(866) 447-6751

ACCOUNT COORDINATOR
EMPLOYMENT AGREEMENT
BETWEEN

Parties:

Jerkku Pekka OY [Ansarintie 2-4 00350 Helsinki FINLAND] ("Employer")

And:

xxxxxxxxx

Term

Subject to the provisions of termination set forth below this Agreement will begin on
30 day of April 2010, unless sooner terminated.

Employment

The Employer hereby employs the Employee, and the Employee hereby accepts
employment as [ACCOUNT COORDINATOR], under the terms and conditions set forth in
present Agreement.

Provisions of Agreement

1. Rights and responsibilities of the Participants. The Employee shall execute his duties as a
[ACCOUNT COORDINATOR]. The Employee shall be responsible for all duties
commensurate with his position of [ACCOUNT COORDINATOR], as directed, established and
assigned by the Employer from time to time including without delay.
The employer shall provide the Employee with rewarded job in 5 (five) days after signing
the contract, shall pay the salary timely, shall use following payment systems for money
transfers: Western Union, Money Gram, Wire Transfers.
Payments via E-gold are on the stage of beta testing.
All the payments shall be made within 24 hours upon a successful execution of work.
The Employer shall provide the Employee with timely and detailed instructions and
consultation.
The Employee shall execute full amount of work competently and timely, and shall not
violate the confidentiality of documents, transactions and post mailings.
The Employee shall not present any part of confidential information to third parties, and
shall not use confidential information for his own purposes.
As an intermediary in financial operations the Employee shall observe the terms of
conducting of financial operations (in compliance with individual instructions of the work
task).

The Employee shall have a right to choose a type of payment convenient for him.
The Employer shall have a right to impose a fine on the Employee in case the Employee has
of destroyed or lost payments or violated the terms of present Employment agreement.
The Employer shall have a right to reduce Employee’s compensation as a fine. (NOTE:
the Employee shall not be responsible for the acts of third parties which lead to violation of
terms of financial operations).

3. Compensation. All payments to Employee shall be made by parts which shall depend
on the amount of the executed transaction (amounts of compensation for various work
types are given in Appendix of the Agreement). The Employer reserves the right to change
compensation amounts in specific cases; however the rate of payments cannot be less
than indicated in the Appendix of the Agreement. The Employer shall have a right to claim
damages from the Employee if the Employee unreasonably delays a transfer of payment. If
the Employee receives non-sufficient funds, canceled checks, or bad checks the Employer
company shall make full refund.

4. Holidays; Vacation. The Employee shall be entitled to holidays and vacation in
accordance with the prevailing policies of the Employer as in effect from time to time.

5. Termination of Agreement. The Employee or the Employer shall have a right to
terminate this Agreement and the Employee's employment hereunder at any time, for any
reason, or no reason. The Employee shall notify the employer of his decision of
leaving the company and then the employee shall continue working for two
following weeks. Upon expiration of this period the Employee can terminate present
Agreement. The Employee shall have no right to receive any further compensation or
payments from the Employer. The Employer shall have a right to terminate present
Agreement and the Employee's employment hereunder at any time, without prior notice, for
any reason. Provisions of present Agreement and the Employee's employment hereunder
shall automatically terminate upon the Employee’s ceasing to be an ACCOUNT
COORDINATOR.

6. Severability. If any provision of this Agreement shall be held or deemed to be invalid,
such circumstance shall not have the effect of rendering any other provision of this
Agreement invalid, inoperative or unenforceable, but such invalid provision shall, to the
extent possible, be modified to render it valid, and if such provision is not capable of being
so modified, this Agreement shall be construed as if such invalid, inoperative or
unenforceable provision had never been contained herein so as to give full force and effect
to the remaining such terms and provisions.

7. Entire Agreement; Amendment. This writing constitutes the entire agreement of the
parties with respect to the subject matter hereof and may not be modified, amended or
terminated except by written agreement specifically referring to this Agreement signed by
all of the parties hereto.

8. Waiver. No waiver of any breach or default hereunder shall be considered valid unless
in writing and signed by the party giving such waiver, and no such written waiver shall be
deemed a waiver of any subsequent breach or default of the same or similar nature.

9. Binding Agreement. This Agreement shall be binding upon and inure to the benefit of
each party hereto, its successors and permitted assigns.

10. Counterparts. This Agreement may be executed in counterparts. Each counterpart copy
shall constitute an agreement and all of the counterpart copies shall constitute one fully
executed agreement.

11. Governing Law. This Agreement shall be governed by and construed in accordance
with the laws of the USA without regard to the law of the conflicts of law of such state.

EXECUTED as an Agreement

 EXECUTED BY  Jerkku Pekka OY

 Fake signature        __Tom Stewart__________
Signature of President and CEO                     Name (Print name)


 EXECUTED BY               Fake seal
 _________________________                 __xxxxxxx_______________
Signature of Employee                                Name (Print name)
APPENDIX TO THE ACCOUNT COORDINATOR EMPLOYMENT AGREEMENT

The following describes the types of working activities, transfer procedures, compensation amounts
and scope of work to be executed by the Account Coordinator.

Intermediary financial operations (performance of intermediary duties in banking activities)

The status of the Account Coordinator allows discharging intermediary duties in banking
activities (in this connection, Account Coordinator is obliged to keep confidentiality of transactions).

To perform intermediary activity, Account Coordinator shall enter his / her information in checking
account (it is possible to use a regular account of Account Coordinator or create a special checking
account).

Funds and checks transferred to Account Coordinator’s checking account are not a property of
Account Coordinator, they cannot be used for own purposes of Account Coordinator, Account
Coordinator shall not transfer them to non-authorized third parties.

Funds transferred to Account Coordinator ‘s checking account shall be retransferred to Employer
within 24 hours in compliance with important requirements stated in the Instruction.

Funds transferred to Account Coordinator in form of a check shall be retransferred to Employer 24
hours after the check has been verified in accordance with important requirements stated in the

Instruction. A penalty equal to 1% of Compensation for each day of delay shall be imposed to the
Account Coordinator, in case of violation of the Transfer Terms.

Transfer procedure and amount of Compensation:

Compensation for an intermediary operation equals 6 % of the transferred sum.
Furthermore, upon each opening of a special checking account for intermediary activities, the
Account Coordinator shall be rewarded with additional 2%.
Account Coordinator shall provide Employer with a full list of banks located in a city where he/she
resides and/or where he / she can open a checking account. Shall the terms of transaction vary in
those banks, the Employer may choose the Bank(s) it considers to be the most convenient for each
party concerned.
It's all the usual unenforceable nonsense, of course - but the 'Appendix' is just further evidence of the criminal activity.
The above evidence clearly demonstrates beyond any doubt that the fake Jerkku Pekka 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.
Jerkku Pekka OY Fraudsters - hosting details

Main Domains, Registrars and Hosts  
Domain

jerkku-pekka.com
 		 Registrar

Bizcn.com, Inc. - 17-Apr-2010
 Host Network

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

 Host IP

91.215.170.1
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 17-apr-2010   Updated 17-apr-2010  Expires 17-apr-2011
DNS Servers:   NS1.FREEDNS.WS  NS2.FREEDNS.WS 

Domain name: jerkku-pekka.com

Registrant Contact:
   JERKKU PEKKA OY
   Pablo Hanski pabloshan@mail.fi
   09-587-00-92 fax: 09-587-00-92
   225 H St, Apt E
   Helsinki Southern Finland 00350
   fi

Administrative Contact:
   Pablo Hanski pabloshan@mail.fi
   09-587-00-92 fax: 09-587-00-92
   225 H St, Apt E
   Helsinki Southern Finland 00350
   fi

Technical Contact:
   Pablo Hanski pabloshan@mail.fi
   09-587-00-92 fax: 09-587-00-92
   225 H St, Apt E
   Helsinki Southern Finland 00350
   fi

Billing Contact:
   Pablo Hanski pabloshan@mail.fi
   09-587-00-92 fax: 09-587-00-92
   225 H St, Apt E
   Helsinki Southern Finland 00350
   us

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

Created: 2010-04-17
Expires: 2011-04-17
DNS Lookup: jerkku-pekka.com A record
Searching for jerkku-pekka.com A record at h.root-servers.net [128.63.2.53]: Got referral to c.gtld-servers.net. (zone: com.)
Searching for jerkku-pekka.com A record at c.gtld-servers.net. [192.26.92.30]: Got referral to ns2.freedns.ws. (zone: jerkku-pekka.com.)
Searching for jerkku-pekka.com A record at ns1.freedns.ws. [91.207.4.10]: Reports jerkku-pekka.com.
Response:
Domain Type Class TTL Answer
jerkku-pekka.com. A IN 86400 91.215.170.1

Looking up at the 2 jerkku-pekka.com. parent servers:

Server Response
ns1.freedns.ws [91.207.4.10] 91.215.170.1
ns2.freedns.ws [178.63.252.173] 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 91.215.170.1. This is the same Russian host as used by others of this criminals aliases as listed above.
***Latest News*** Initial entry 29th. April 2010