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Victims never receive this non-existent fortune but are tricked into sending their money to the criminals, who remain anonymous. They hide their real identity and location by using fake names and fake postal addresses as well as communicating via anonymous free email accounts and mobile phones.
Read more about such scams here or in our 419 FAQ. Use the Scam-O-Matic to verify suspect emails.
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Fraud email example:
From: "Robert Taylor" <robtaylor434@hotmail.com>
Reply-To: robtaylor4@excite.com
Date: Thu, 11 Aug 2005 12:34:43 +0000
Subject: Please Treat As Expedient
Hello ,
I am Robert Taylor, a managing director and head of international private
banking at Coutts and Co.,the private banking arm of Royal bank of Scotland
international I am contacting you concerning a deceased customer,and an
investment he placed under our banks management 3years ago.
In 1999, the subject matter came to our bank to engage in business
discussions with our private banking division. He informed us that he had a
financial portfolio of 8.7million British Pounds Sterling, which he wished
to have us turn over(invest) on his behalf.I was the officer assigned to his
case.I invested the said funds in high yeild areas on his behalf.
In mid 2002, he asked that the money be liquidated because he needed to make
an urgent investment requiring cash payments.He directed that I liquidate
the funds and have it deposited with a security firm.I informed him that
Coutts and Co would have to make special arrangementsto have this done and
in order not to circumvent due process, the bank would have to make a 9.5 %
deduction from the funds to cater for banking and statutory charges. He
complained about the charges but later came around when I explained to him
the complexities of the task he was asking of us.Large cash movements have
become especially strict since the incidents of 9/11.
I contacted my affiliate and had the funds available as he had requested. I
undertook all the processes and made sure I followed his precise
instructions to the letter and had the funds deposited with a security
consultancy firm.
This security firm is an especially private firm that accepts deposits from
high net worth individuals and blue chip corporations that handle valuable
products or undertake transactions that need immediate access to cash. This
small and highly private organization is familiar especially to the highly
placed and well-connected organizations. In Line with instructions, the
money was deposited with them.He told me he wanted the money there in
anticipation of his arrival from Norway later that week. This was the last
communication we had, this transpired around 25th February 2003. In June
last year, we got a call from the security company informing us of the
inactivity of that particular portfolio. This was an astounding position as
far as I was concerned, given the fact that I managed the private banking
sector I was the only one who knew about the deposit at the security
company, and I could not understand why our client had not come forward to
claim his deposit.I made futile efforts to locate him.I immediately passed
the task of locating him to the internal investigations department. Four
days later, information started to trickle in,apparently our man was dead. A
person who suited his description was declared dead of a heart attack in
Canne, South of France. We were soon enough able to confirm all of this
including cause of death.
The bank immediately launched an investigation into possible surviving next
of kin to alert about the situation and also to come forward to claim his
estate. If you are familiar with private banking affairs, those who
patronize our services usually prefer anonymity, but also some levels of
detachment from conventional processes.In his bio-data form,he listed no
next of kin.
In the field of private banking,opening an account with us means no one will
know of its existence,accounts are rarely held under a name; depositors use
numbers and codes to make the accounts anonymous. This bank even gives the
choice to depositors of having their mail sent to them or held at the bank
itself, ensuring that there are no traces of the account and as I
said,rarely do they nominate next of kin. Private banking clients apart from
not nominating next of kin also usually in most cases leave wills in our
care,in this case; our now deceased client died in testate.
In line with our internal processes for account holders who have passed
away, we instituted our own investigations in good faith to determine who
should have right to claim the estate.This investigation has for the past
months been unfruitful. We have scanned every continent and used our private
investigation affiliate companies to get to the root of the problem. It is
this investigation that resulted in my being furnished with your details as
a possible relative of the deceased.My official capacity dictates that I am
the only party to supervise the investigation and the only party to receive
the results of the investigation. It is quite clear now that our dear fellow
died with no known or identifiable family members.
This leaves me as the only person with the full picture of what the
prevailing situation is in relation to the deposit and the late beneficiary
of the deposit.According to practice,the security company will by the end of
this year broadcast a request for statements of claim to Coutts and
Co,failing to receive viable claims they will most probably revert the
deposit to Coutts and Co. This will result in the money entering the Coutts
and Co Private Bank accounting system and the portfolio will be out of my
hands and out of the private banking division.This will not happen if I have
my way. What I wish to relate to you will smack of unethical practice but I
want you to understand something. It is only an outsider to the banking
world who finds the internal politics of the banking world aberrational. The
world of private banking especially is fraught with huge rewards for those
who sit upon certain chairs and oversee certain portfolios.
You should have begun by now to put together the general direction of what I
propose.
There is 8,700,000.00GBP deposited in a security company.I alone have the
deposit details and they will release the deposit to no one unless I
instruct them to do so. I alone know of the existence of this deposit for as
far as Coutts and Co Private Bank is concerned,the transaction with the
late customer concluded when I sent the funds to the security company all
outstanding interactions in relation to the file are just customer services
and due process.The security company has no single idea of what's the
history or nature of the deposit. They are simply awaiting instructions to
release the deposit to any party that I may direct.This is the situation.
This bank has spent great amounts of money trying to track this man's
family; they have investigated for months and have found no family. The
investigation has come to an end. My proposal; I amprepared to instruct the
security company to release the deposit to you as the closest surviving
relation. Upon receipt of the deposit, I am prepared to share the money with
you in half. 1That is: I will simply nominate you as the next of kin and
have them release the deposit to you.We share the proceeds 70/30. You with
the same very name as the original depositor would easily pass as the
beneficiary with right to claim. I assure you that I could have the deposit
released to you within a few days.I will simply inform the bank of the final
closing of the file relating to our late client.I will then officially
communicate with the security company and instruct them to release the
deposit to you.With these two things: all is done. The alternative would be
for us to have the security company direct the funds to another bank with
you as account holder.This way there will be no need for you to think of
receiving the money directly from the security company as it is not a
conventional financial institution; they accept deposits from only
organizations thus; what you hand over to them is what you get back. They do
not have the means to process the money.
We can fine-tune this based on our interactions.I am aware of the
consequences of this proposal.I ask that if you find no interest in this
project that you should discard this mail.
At your request,I will give you the relevant details and initiate this
process towards a conclusion. I wish to inform you that should you contact
me via official channels;I will deny knowing you and about this project.I
repeat,I do not want you contacting me through my official phone lines nor
do I want you contacting me through my official email account. Contact me
only through my alternate email account:robtaylor4@excite.com I do not want
any direct link between you and I.
My official lines are not secure lines as they are periodically monitored to
assess our level of customer care in line with our total Quality Management
Policy.I await your response.
Sincerely,
Robert Taylor
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