AFS Financial Group

AFS Financial Group Fraud

Don't Bear Internet Fraud

This fraud should not be confused with any other company of the same or similar name - the website screenshot below and the following fraud evidence define and refer to this fake company alone and no other company or no other person of the same name. They are basing their stolen identity on a genuine UK company of a similar name located at one of the two addresses they are claiming to be at.

AFS Financial Group Scam screenshot: 22nd. December 2009

AFS Financial Group (Stolen Identity) is just another fake financial site with stolen content used as a vehicle for money laundering fraud and phishing for personal details as part of the recruitment process. The website has been cobbled together using stolen content from various sources and the identity has been stolen from a genuine UK company with a similar but not identical name at one of the two addresses used by the criminals. This is an identical fraud to the Rodney Neil Financial Services and Campbell & McConnachie LLC scams which is self-evident and clear evidence of serial fraud.

They claim on their 'About Us' page: "AFS Financial Group was founded in 1991 under the name of the AFS Financial Group by Mike Wilson and Sir Mark Weinberg and is a provider of a wide and growing range of financial services of outstanding quality". Apart from the fact that it makes little sense that it should have been founded under that name by those people, it is exactly the same claim made by the other criminal's aliases and their domain afs-financialservice.com was only registered with MELBOURNE IT, LTD. D/B/A INTERNET NAMES WORLDWIDE (Yahoo domains as reseller) on 13-nov-2009 for the 'criminal's domain' minimum period of only one year.

The payload of the site is the usual part-time, work from home money-mule position of accepting payments to your personal bank account disguised in the usual way as a 'training course'. The MO of this fraudster is pretty well identical to the Henry Dedek Finance scammer and completely identical to his above other aliases.

Evidence of Criminal Fraud:

i) From their 'About Us' page: "AFS Financial Group was founded in 1991 under the name of the AFS Financial Group by Mike Wilson and Sir Mark Weinberg and is a provider of a wide and growing range of financial services of outstanding quality". However, the fraudster's initial domain afs-financialservice.com was only registered with MELBOURNE IT, LTD. D/B/A INTERNET NAMES WORLDWIDE (Yahoo domains as reseller) on 13-nov-2009 for the 'criminal's domain' minimum period of only one year. Clear evidence of fraudulent misrepresentation.

ii) Their above claim of being founded in 1991 is clearly fraudulent anyway, as the genuine AFS Financial Solutions Limited company they have stolen the identity of was only incorporated on 13/06/2008 - see the companies house data for yourself. It also seems to have now changed its name to WE Money.

iii) The company number they quote on the above screenshot (04034501) is completely fake and doesn't exist - check for yourself.

iv) There is no company by the name of AFS Financial Group registered with the UK Companies House - check for yourself - irrefutable evidence of fraud.

v) There is no company by the name of AFS Financial Group registered with the UK Financial Services Authority, (FSA) - check for yourself - irrefutable evidence of fraud.

vi) The fake AFS Financial Group website content has all been stolen from various places and cobbled together, for instance, their above home page content has been constructed with the selectable content from this 'Positive Solutions' website and their 'About Us' page has been stolen from this St. James's Place page. All clear evidence of site theft and fraud.

vii) They claim on their 'About Us' page to be listed on the London Stock Exchange which is a complete lie - there is no company by the name of "AFS Financial Group" listed on the London Stock Exchange - check for yourself. Irrefutable evidence of fraud.

viii) Fake 'Contact Us' details (from the website):

AFS Financial Group
1 Shore Street
Lossiemouth,Morayshire IV31 6PD

e-mail info@afs-financialservice.com

• - The above address details are the address details of the genuine company they stole the name of for their Campbell & McConnachie LLC alias. Clear evidence of fraud.
• - The above address contradicts the address on the above screenshot footer which is the address of the genuine AFS Financial Solutions Limited, (now WE Money).
• - They have no telephone number on their fake website.

The following spam is from their identical previous Campbell & McConnachie LLC alias.

ix) The Spam:

Re: Careerbuilder. Employment with Campbell & McConnachie

Dear xxxx,
We are pleased to confirm you have been selected to work for Campbell & McConnachie. We are delighted to make you the following job offer.

a)Clients database builder.(10 PEOPLE NEEDED)
b)E- Commerce Customer Service manager;(5 PEOPLE NEEDED)
c)Payments coordinator;(3 PEOPLE NEEDED)
d)Data entry specialist;(17 PEOPLE NEEDED-A.S.A.P)
e)Payments processing coordinator;(2 PEOPLE NEEDED)

We are taking applications for full and part-time employment. We provide training. Earnings opportunity up to $700 per week to start.

-Applicants must be at least eighteen years of age on the day they begin work .
-All applicants must have competence in spoken and written English. -Applicants must be TEAM PLAYERS with a great deal of can-do attitude.
-Bilingual skills are a big plus.

Your benefits package includes:
I) Starting salary $20/hour , paid in bi-weekly installments.
II) Full medical and dental coverage through our company's employee benefit plan.
III) Sick leave, Vacation & personal days.

If you have any questions, please don't hesitate to contact me.

To accept this job offer:Email back and we will provide you with all necessary information.

Sincerely Leslie,

Hiring Coordinator,
HR Departments,
Campbell & McConnachie

x) Their 'Careers' page:

We need people who are looking to grow with a company.
We have multiple field positions available including:

    * E- Commerce Customer Service manager;
    * Payment processing coordinator;
    * Mail distribution coordinator;
    * Clients database builder.

Benefits available at no cost include:

   1. Life insurance
   2. Sick leave and short-term disability
   3. Basic long-term disability
   4. 401(k) option with company match

You can find detailed information about the vacancy in attached "guide to applying". Detailed.information.doc

If you are interested to start the training course please find the attached Application form. Application.Form.doc"
Read, fill out and send form back to us on e - mail

You do not need to be Hercule Poirot to work out what the twin functions of "Payment processing coordinator" and "Mail distribution coordinator" are. Try Money laundering mule and reshipping donkey for size.

xi) This is their 'Guide To Applying for a Position' from their previous identical Campbell & McConnachie LLC alias as the above 'Detailed.information.doc' link doesn't work:

Guide to Applying for a Position

If you would like to know more about our company, please visit our site http://campandmccon.com

Campbell & McConnachie LLC registered office Harbour House 1 Shore Street,Lossiemouth,Morayshire IV31 6PD are authorised and regulated by the Financial Services Authority.Company is registered in England and Wales with company registration number 04038503

Our company has representative offices in such countries of the world as: Great Britain, France, Japan, Spain, Germany.

As for USA, for the present we are opening offices in the following states: Pennsylvania, New York, California, Texas, Illinois, Florida, Georgia, New Jersey, Michigan, Arizona.

We are hiring people from USA willing to work in a team of high-skilled professionals for all the positions listed below.

1 Information about the Position

Gather all the information about the position that you can. All vacant position information can be found below.

Read the Job Description and the Advertisement carefully to understand what the position is about.

All this positions are considered as a Full Time and Part Time job.

- E-Commerce Customer Service manager
The main aim of a Customer Service Manager is to provide excellent customer service.

- Payment processing coordinator
Responsible for maintaining the daily work flow between several operating areas in the company necessary to minimize losses in converter and remote control equipment, as well as, revenue. Monitors delinquent
and voluntary disconnect activity for proper instruction and execution of equipment recovery procedures, coordination and reporting of internal and external resources for loss prevention.

- Data entry specialist
The person in this position will be responsible for printing faxes and emails that are submitted by our clients. Once the information has been printed, the data will then be entered into a PC Application and assigned a tracking number. He/she will also be responsible for saving image files to specified drives and directories. Other clerical duties may be assigned as needed.

At “The Network”, we are dedicated to improving our customers' performance, which extends to helping each other achieve results. There will be times when we will be required to perform other duties outside of
our competency profile as requested, directed or assigned in order to meet business needs, maintain high
quality of service and uphold the mission and values statements of our company.

- Client database builder
The position requires an individual who can work independently. This person must be able to work with a
variety of database resources of varying levels. Good documentation skills are required as the individual will work with a broad team of resources, and will need to communicate effectively.

In Full Time job you will work on business days from Monday to Friday (9 AM till 6 PM)
In Part Time job you will need 2-3 business days during the day.

2. Training courses

You will receive training before starting work.
The company will provide FREE On-line Education Training.
-You don't need to attend seminars, lectures etc and pay for the training courses.
-You don't need any special education.
-You don't really need to buy any special equipment, just use your computer and internet connection.

We are providing E- Commerce Level 2 Training for you absolutely FREE. There are no hidden costs.
The course is 10 days and will be run on the next day after you fill out your application form, and send us an Internet message.

You will be paid during the training courses daily.

The training period wage shall amount $49 for each training day (2 hours training day, $24.50 per hour), $490 for 10 training days.

On-line Training is a proven, flexible way for you to take training courses at a time and place that suits you.
Our interactive online training courses are detailed-guided courses that reinforce lessons with interactivity,
assignments and self- tests.

We know that how we develop our employees and their skills will determine our future success.
We continually encourage employees to enhance their skills and knowledge, and have created a learning
organization focused on providing new opportunities for growth and professional development.

Your pay will be deposited to an account at a bank or credit union of your choice.

After you finish the training courses, you become a company employee and will get a certified Company specialist.

3.Benefits
A summary of our benefits package includes the following:

Health Care Benefits
Employees are offered healthcare coverage, including coverage for
dependents, and/or domestic partners.
-Medical
-Dental
-Vision
-Prescription
-Mental Health/Substance Abuse

Retirement Benefits
Company provide a competitive retirement package offering two ways to save for Retirement:
-Profit Sharing Plan
-401(k) plan
-Income Replacement Benefits
-Coverage comes in many forms at company.
-Basic Life and Accidental Death and Dismemberment
-Short Term Disability
-Long Term Disability
-Business Travel Accident

Holiday Pay
The Company recognizes the importance of observing holidays and provides paid time off for designated days.
Company observes eight national holidays and provides two personal holidays, annually.

Vacation Pay
The Company encourages and supports a period of rest and relaxation for its employees and will provide a
period of paid time off for vacation.

    Employee Assistance Program
The EAP is a confidential program designed to help employees, eligible dependents and household members
resolve personal challenges. Information, consultation, and assistance are provided at no cost to employees.

Flexible Spending Account (FSA)
The FSA allows employees to set aside money on a pre-tax basis to pay for eligible expenses.
-Dependent Care
-Health Care

4. Salary
Starting   salary   $20/hour , paid   in bi-weekly installments by your choice of check or direct deposit.

Performance Bonuses: Up to three percent of your annual gross salary, paid quarterly by your choice of check or direct deposit.

The training period wage shall amount $49 for each training day (2 hours   training   day , $24.50   per hour ), $490 for 10 training   days. During the training period you will be paid daily.

In the future, after raising the level of skills, there is a possibility of having business trips to Great Britain (all the expenses, including abode, traveling expenses and travel allowance, are paid by the company).

No Money Needed For Job [Training Courses] Or Anything. The Company Will Pay For It All.

5.How to apply

If you are interested in the position and ready to start working, please fill out the attached employment application and send it in reply to this e-mail address. You can fill it out on your PC or print it out and fill it by hand (in that case please write block letters; illegible applications may be excluded from consideration). You
will be contacted by a company manager within 48 hours.

xii) and this is their 'Job Application Form/Agreement' from their current fake website:

Job Application Form
United States

   This Agreement is a Contract between you hereinafter referred to as Customer Service manager and AFS Financial Group here in after referred to as Company "we", "our" or "us" as appropriate.
This Agreement describes your and our rights and responsibilities in the context of providing services related for the _____________________________________________ training courses.
                                                                 ( your possition   here)
NOW, THEREFORE, in consideration of the mutual covenants herein contained, the Parties hereto agree as follows:

1. SUBJECT OF THE AGREEMENT

1.1. THE PRESENT AGREEMENT COMES INTO FORCE AND IS CONSIDERED VALID PROVIDED THE FOLLOWING CONDITIONS ARE OBSERVED:
1.2. THE AGREEMENT IS SIGNED BY BOTH PARTIES OR ALL INCURRED TERMS AND CONDITIONS ARE OBSERVED BY THE CLIENT.

2. GENERAL TERMS OF THE AGREEMENT

2.1. The Parties acknowledge the legal force of documents' records received via communication channels equal and as effective as the documents made in writing.

3. LIABILITIES OF THE PARTIES

3.1. _________________________ is liable to:
           ( your possition   here)
3.1.1. Follow the provisions of the present Agreement
3.1.2. Provide and confirm the following data:
3.1.2.1. Legal status of residence in the country.
3.1.2.2. Bank account valid for accepting payments from company side for the job and money for the training courses.
3.1.2.3. TELEPHONE NUMBER AVAILABLE TO BE CONTACTED BY THE SENIOR MANAGER.
3.1.3. DEVOTE 3-4 BUSINESS HOURS PER DAY OF FREE TIME TO BE SPENT FOR TRAINING COURSES.
3.1.4. RECEIVE MONEY ON HIS/HER ACCOUNT FOR THE FOLLOWING PURPOSES: SALARY, MONEY FOR THE TRAINING, PAYMENT FOR TAXES AND FEES TO CUSTOMER SERVICE MANAGER FROM COMPANY.

3.2. COMPANY AGREES

3.2.1. TO FOLLOW ALL PROVISIONS OF THE AGREEMENT.
3.2.2. STARTING   SALARY   $20/HOUR , PAID   IN BI-WEEKLY INSTALLMENTS BY YOUR CHOICE OF CHECK OR DIRECT DEPOSIT.
3.2. 4.Performance Bonuses: Up to three percent of your annual gross salary, paid quarterly by your choice of check or direct deposit.The training period wage shall amount $490 for 10 training days, $49 for each training day.
3.2.4. To provide Customer Service Manager with all company benefits during the training period.
3.2.5. To advise Customer Service Manager on all questions related to cooperation during the duration period of the Agreement as stipulated herein.

4. BENEFITS

Company benefits shall include:
4.1 401(k) retirement account
4.2 Annual stock options
4.3 Child daycare assistance
4.4 Education assistance
4.5 Health, dental, life and disability insurance
4.6 Sick leave
4.7 Vacation and personal days
4.8 Money from company side for all purposes related to the job: Internet, cell phone, training, bank fees and taxes.

5. LIABILITIES OF THE PARTIES

5.1. THE PARTIES BEAR RESPONSIBILITY FOR NON-PERFORMANCE OR INADEQUATE PERFORMANCE OF THEIR LIABILITIES IN THE CONTEXT OF THE PRESENT AGREEMENT IN ACCORDANCE WITH THE GOVERNING LAW OF THE USA AND WITH RESPECT OF THE PROVISIONS OF THE PRESENT AGREEMENT.

6. FORCE MAJEURE

6.1. NEITHER PARTY SHALL BE LIABLE FOR ANY DELAY OR NONPERFORMANCE OF ANY PROVISION OF THE PRESENT AGREEMENT DUE TO FORCE MAJEURE CIRCUMSTANCES ARISING AFTER THE DATE OF CONCLUSION OF THE AGREEMENT.
6.2. THE FOLLOWING CIRCUMSTANCES SHALL BE ACKNOWLEDGED AS FORCE MAJEURE EVENTS: FIRE, EXPLOSION, FLOOD OR OTHER NATURAL AND INDUSTRIAL CATASTROPHE; TERROR; WARFARE; STRIKES OR LABOR DIFFICULTIES; OTHER UNFORESEEN OR PRECLUDED CIRCUMSTANCES PREVENTING THE PARTIES TO FOLLOW THEIR LIABILITIES STIPULATED BY THE AGREEMENT.
6.3. THE PARTY SHALL NOTIFY THE OTHER AS PROMPTLY AS PRACTICABLE, BUT NO LATER THAN 3 (THREE) WORKING DAYS OF THE OCCURRENCE OF A FORCE MAJEURE EVENT HEREWITH. FAILURE OR THE DELAY TO NOTIFY THE OTHER PARTY OF FORCE MAJEURE EVENTS SHALL NOT RELEASE THE PARTY FROM ITS LIABILITIES HEREUNDER.

7. PERSONAL INFORMATION

FIRST NAME: _____________________
LAST NAME: _____________________
ADDRESS: _______________________
ON THIS ADDRESS WILL BE SHIPPED PERSONAL MANAGER ID CARD FOR TRAINING COURSES.
CITY: _____________________
STATE: _____________________
ZIP CODE: _____________________
COUNTRY: UNITED STATES
Home phone: +1 (___) _______-__________
Available on the phone from: ____ (AM/PM) till ____ (AM/PM)
Cell phone: +1 (___) _______-__________
Available on the phone from: ____ (AM/PM) till ____ (AM/PM)
E-Mail address: ___________________

8. ACCOUNT INFORMATION

ON THIS ACCOUNT YOU WILL RECEIVE MONEY FOR THE TRAINING COURSES FROM THE COMPANY SIDE AND MONEY FOR YOUR JOB (DAILY OR WEEKLY). ALL GIVEN INFORMATION AS STRICTLY CONFIDENTIAL WILL NOT BE SHARED WITH ANY THIRD PARTIES. IF YOU DON’T WANT TO PROVIDE US YOUR OWN ACCOUNT INFORMATION, JUST OPEN A NEW ONE PERSONAL ACCOUNT IN BANK OF AMERICA (COMPANY HAS AGREEMENT WITH THIS BANK) AND PROVIDE US WITH NEW ACCOUNT INFORMATION.

*BANK NAME: ______________________________

* IF YOU HAVE AN ACCOUNT IN BANK OF AMERICA, YOU RECEIVE A NUMBER OF ADVANTAGES. SINCE OUR COMPANY HAS A LICENSE AGREEMENT WITH BANK OF AMERICA, YOU CAN RECEIVE YOUR SALARY AND MONEY FOR THE TRAINING AND WORK EXPENSES (INTERNET, PHONE CONNECTION ETC.) DIRECTLY TO YOUR ACCOUNT WITHIN ONE BANKING DAY AFTER THE MONEY IS SENT.

9. ADDITIONAL INFORMATION

After first part of the training in e-Commerce Services for payment systems I will be available to meet my manager face to face in my local area for the second part of the training in _____________________________________
                                                                                                                                                                ( your possition   here)

IN WITNESS WHEREOF THE UNDERSIGNED HAVE EXECUTED THIS AGREEMENT AS OF THE DAY AND YEAR FIRST WRITTEN ABOVE. THE PARTIES HERETO AGREE THAT FACSIMILE AND E-MAIL SIGNATURES SHALL BE AS EFFECTIVE AS IF ORIGINALS.

AFS Financial Group
By: Jack Stewart                        By:____________________
Its: Main Manager

The 'training' is a standard ploy of these criminals and consists of accepting stolen funds to the mandatory account and transferring a balance back to these criminals via Western Union or Moneygram. The first time that the money comes back as stolen, (from phished accounts), then the game is over and the crooks disappear, leaving the victim considerably poorer when the stolen funds are recovered, with his bank account and finances frozen and having to answer some very tricky questions from law enforcement - don't be fooled, it is the classic money laundering mule scenario.

Taking into account the proven fake nature of the website it is crystal clear that there is no real job in that agreement. The way this one works is that the 'Customer Service Manager' (mule) receives money to his personal bank account and as part of the 'training' he is be asked to send money bank to the company. The money deposited in his account is of course stolen from phished accounts, and any money sent back to the crooks by the mule will be lost for good when the stolen funds are recovered.

The above evidence clearly demonstrates beyond any doubt that the stolen AFS Financial Group fake company website has been set up very recently by money laundering criminals 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 activity - 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.

AFS Financial Group Fraudsters - hosting details

Domains, Registrars and Hosts

Domain

afs-financialservice.com

Registrar

MELBOURNE IT, LTD. D/B/A INTERNET NAMES WORLDWIDE (Yahoo domains as reseller) - 13-nov-2009

Host Network

Yahoo! Inc.

Host IP

68.180.151.76

Key:
Active
Suspended/Disabled
Parked

Domain Whois Data:

Domain Name.......... afs-financialservice.com
Registrar:     MELBOURNE IT, LTD. D/B/A INTERNET NAMES WORLDWIDE
Status:        clientTransferProhibited
Dates:         Created 13-nov-2009   Updated 13-nov-2009 Expires 13-nov-2010
DNS Servers:   YNS1.YAHOO.COM YNS2.YAHOO.COM

Creation Date........ 2009-11-14
Registration Date.... 2009-11-14
Expiry Date.......... 2010-11-14
Organisation Name.... Michael Ashby
Organisation Address. PO Box 61359
Organisation Address.
Organisation Address. Sunnyvale
Organisation Address. 94088
Organisation Address. CA
Organisation Address. US

Admin Name........... Admin PrivateRegContact
Admin Address........ PO Box 61359
Admin Address........
Admin Address........ Sunnyvale
Admin Address........ 94088
Admin Address........ CA
Admin Address........ US
Admin Email.......... contact@myprivateregistration.com
Admin Phone.......... +1.5105952002
Admin Fax............

Tech Name............ TECH PrivateRegContact
Tech Address......... PO Box 61359
Tech Address.........
Tech Address......... Sunnyvale
Tech Address......... 94088
Tech Address......... CA
Tech Address......... US
Tech Email........... contact@myprivateregistration.com
Tech Phone........... +1.5105952002
Tech Fax.............
Name Server.......... yns1.yahoo.com
Name Server.......... yns2.yahoo.com

DNS Lookup: afs-financialservice.com A record
Searching for afs-financialservice.com A record at g.root-servers.net [192.112.36.4]: Got referral to A.GTLD-SERVERS.NET. (zone: com.)
Searching for afs-financialservice.com A record at A.GTLD-SERVERS.NET. [192.5.6.30]: Got referral to yns2.yahoo.com. (zone: afs-financialservice.com.)
Searching for afs-financialservice.com A record at yns2.yahoo.com. [66.196.84.168]: Reports afs-financialservice.com.
Response:

Domain	Type	Class	TTL	Answer
afs-financialservice.com.	A	IN	7200	68.180.151.76
afs-financialservice.com.	NS	IN	86400	yns2.yahoo.com.
afs-financialservice.com.	NS	IN	86400	ns9.san.yahoo.com.
afs-financialservice.com.	NS	IN	86400	ns8.san.yahoo.com.
afs-financialservice.com.	NS	IN	86400	yns1.yahoo.com.

Looking up at the 2 afs-financialservice.com. parent servers:

Server	Response
yns2.yahoo.com [66.196.84.168]	68.180.151.76
yns1.yahoo.com [98.136.43.32]	68.180.151.76

The host for this criminal is Yahoo! Inc. on IP address 68.180.151.76.

***Latest News*** 22nd. December 2009 - Webpage created

***Latest News*** 23rd. December 2009
Yahoo have disabled the domain afs-financialservice.com - please notify us of any active domains for this criminal.