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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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Some comments by the Scam-O-Matic about the following email:
Fraud email example:
From: "david palmer" <david_palmer551@msn.com>
Reply-To: david_palmer30uk@yahoo.co.uk
Date: Mon, 23 Jan 2006 21:30:51 +0000
Subject: REPLY IMMEDATELY
Goodday,
I am David Palmer, staff of SMITH & WILLIAMSON Private Banking.
I am contacting you concerning a deceased customer and an investment he
placed under our banks management three years ago.I would respectfully
request that you keep the contents of this mail confidential and respect the
integrity of the information you come by as a result of this mail.
I contacted you independently of our investigation and no one is informed of
this communication. I would like to intimate you with certain facts that I
believe would be of interest to you.In 2000, 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 Thirty million united
states dollars,which he wished to have us turn over (invest) on his behalf.I
was the officer assigned to his case, I made numerous suggestions in line
with my duties as the de-facto chief operations officer of the private
banking sector, especially given the volume of funds he wished to put into
our bank. We met on numerous occasions prior to any investments being
placed. I encouraged him to consider various growth funds with prime
ratings.
The favored route in my advise to customers is to start by assessing data on
6000 traditional stocks and bond managers and 2000 managers of alternative
investments. Based on my advice, We
spun the money around various opportunities and made attractive margins for
our first months of operation, the accrued profit and interest stood at this
point at over ten million United States Dollars, this margin was not the
full potential of the fund but he desired low risk guaranteed
returns on investments.
In mid 2001, he asked that the money be liquidated because he needed to make
an urgent investment requiring cash payments in here in the united kingdom.
He directed that I liquidate the funds and deposit it with a security firm.
I informed him that SMITH & WILLIAMSON would have to make special
arrangements to 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. Cash movement across boarders has become especially
strict since the incidents of 9/11. I contacted my affiliate and made the
funds available to the security firm.
I undertook all the processes and made sure I followed his precise
instructions to the letter and had the funds deposited with the security
firm. The Security Firm is a specialist 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 the security firm.
The deceased 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
firm informing us that 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 firm, and I could not understand why the
deceased had not come forward to claim his deposit. I made futile efforts to
locate the deceased. I immediately passed the task of locating him to the
internal investigations department of SMITH & WILLIAMSON.
Four days later, information started to trickle in,apparently our client 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 identify the body and cause of death was
confirmed. 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 also 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; the deceased died without a 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. What this means, you being the last batch of names we have
considered, is that our dear late fellow died with no known or identifiable
family member. 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 Firm will by the end of this financial
year broadcast a request for statements of claim to SMITH &
WILLIAMSON,failing to receive viable claims they will
most probably revert the deposit back to SMITH & WILLIAMSON. This will
result in the money entering the SMITH & WILLIAMSON 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 occupy certain offices and oversee certain portfolios.
You should have begun by now to put together the general direction of what
I propose.
There is Thirty million dollars deposited in a security firm, 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 SMITH & WILLIAMSON is concerned, the transaction with our late
customer concluded when I sent the funds to the security firm, all
outstanding interactions in relation to the file are just customer services
and due process. The security Firm 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 comes forward. 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; you share the same surname
With our late client; I am prepared to place you in a position to instruct
The security Firm 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. That is: I will simply nominate you as the next of kin and have
them release the deposit to you. We share the proceeds 50/50.I would have
gone ahead to ask the funds be released to me, but that would have drawn a
straight line to me and my involvement in claiming the deposit. But on the
other hand, 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 the deceased I
will then officially communicate with The Security Firm 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 Firm 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 from The Security Company. 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. I ask that you
do not be vindictive and destructive. If my offer is of no appeal to
you,delete this message and forget I ever contacted you. Do not destroy my
career because you do not approve of my proposal. You may not know this but
people like myself who have made tidy sums out of comparable situations run
the whole private banking sector. I am not a criminal and what I do, I do
not find against good conscience, this may be hard for you to understand,
but the dynamics of my industry dictates that I make this move. Such
opportunities only come ones' way once in a lifetime. I cannot let this
chance pass me by, for once I find myself in total control of my destiny.
These chances wont pass me by. I ask that you do not destroy my chance, if
you will not work with me let me know and let me move on with my life but do
not destroy me. I am a family man and this is an opportunity to provide them
with new opportunities. There is a reward for this project and it is a task
well worth undertaking.
I have evaluated the risks and the only risk I have here is from you
refusing to work with me and alerting my bank. I am the only one who knows
of this situation, good fortune has blessed you
with a name that has planted you into the center of relevance in my life.
Lets share the blessing.If you find yourself able to work with me, contact
me through this email
account david_palmer30uk@yahoo.co.uk If you give me positive signals, I
will 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 the numbers I
will provide for you and also through this email address. I do not want any
direct link between you and me. 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.Please observe this instruction
religiously. Please,again, note I am a family man, I have a wife and
children. I send you this mail not without a measure of fear as to what the
consequences, but I know within me that nothing ventured is nothing gained
and that success and riches never come easy or on a platter of gold.
This is the one truth I have learned from my private banking clients. Do not
betray my onfidence.
Kindly send your response to my private email address
david_palmer30uk@yahoo.co.uk
I await your response.
David Palmer.
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