I am sorry for the long message. I have to explain for you to understand clearly.
However, I
thank you in advance for your response and interest in partnering with me. Please I
would respectfully request that you keep the contents of this mail
private and also to kindly respect the integrity of the information you
come by as a result of this email. 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
2009, the subject matter; Ref: FI/TSB/958/420/5500 came to our bank to
engage in business discussions with our Private Banking Services
Department. He informed us that he had a financial portfolio of 14.37
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 Services Department,
especially given the volume of funds he wished to put into our bank.
We
met on numerous occasions prior to any investments being placed, and
however I encouraged him to consider various growth funds with prime
ratings. The favored route in my advice to customers is to start by
assessing data on 600 traditional stocks and bond managers and 200
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 with interest included,
stood at this point at over 15.2 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 2010, he asked that the money be liquidated because he needed to
make an urgent investment requiring cash payments in the EU. He directed
that I liquidate the funds and have it deposited with a firm in the EU.
I informed him that our bank 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 borders has become especially strict
since the incidents of 9/11. I contacted my affiliate in EU and had the
funds available in mainland Europe, I undertook all the processes and
made sure I followed his precise instructions to the letter and had the
funds deposited in a security consultancy firm, the 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 his
instructions, the money was deposited; 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 November 25th
2011. In February this year, we got a call from the security firm
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, and I could not understand why he 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 of our bank.
Four
days later, information started to trickle in, that he was apparently
dead, a person who suited his description was declared dead of a heart
attack in Cannes, South of France; we were soon enough able to gather
more information and the 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; he died Intestate.
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 the right to claim the estate, this investigation for
several months was futile. 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 decision to
obtain your contact details and contact you, being as a foreigner, as a
potential benefactor of the estate even if you are in no way affiliated
with this individual (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, with you being a foreigner, I have
considered the fact 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 firm shall by the end of this financial year broadcast
a request for statements of claim to our bank, failing to receive
viable claims they will most probably revert the deposit back to our
bank. This will result in the money entering our bank's accounting
system and the portfolio will be out of my hands and out of the Private
Banking Services Department. This will not happen if I have my way.
What
I wish to relate to you might be a 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 $13,991,674.00 (Thirteen million, nine hundred and
ninety one thousand, six hundred and seventy four united states dollars)
deposited, 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 the finance
firm is concerned, the transaction with our deceased customer concluded
when I sent the funds to the firm, all outstanding interactions in
relation to the file are just customer services and due process. The
finance 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, and this is the situation. This bank has
spent great amounts of money trying to track the family of the deceased;
they have investigated for months and have found no family but however
the investigation has officially come to an end.
My
proposal; I am prepared to place you in a position whereby an
instruction is given to the finance firm to officially release the
deposit to you as the closest surviving relation/associate, and all
etiquette shall be done in accordance with the rule of law, I certainly
can guarantee you that. By the common law, the power of bequeathing is
coeval with the first rudiments of the law, and this power has been
extended to all a man's Personal and Real estate (Personality &
Realty).
There
is no ruling which prevents an inheritance from being so exhausted by
legacies as to render it unworthy of the heir's acceptance; basically
all persons of sound mind are competent to bequeath and devise real and
personal estate, except infants, with all this I would say we have the
clear advantage to carry out a smooth and perfect operation whereby the
paper work shall be coordinated in such a way that your status as a sole
beneficiary is confirmed. Upon receipt of the deposit, I am prepared to
share the money with you in half and no more; that is: I will simply
nominate you as the next of kin and have them release the deposit to
you; afterwards we share the proceeds.
I
would have gone ahead to ask the funds to 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 as a indifferent foreigner would
easily pass as the beneficiary with the rights to claim, I assure you
that I could have the deposit released to you in a few days.
I
will simply inform our bank of the final closing of the file relating
to the customer, I will then officially communicate with the finance
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 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
firm. We can fine-tune this based on our interactions, if you find no
interest in this project, please you should discard this mail. I ask
also, that you do not be vindictive or destructive, if my offer is of no
appeal to you, delete this message and forget I ever contacted you.
Opportunities
only come one's way once in a lifetime. I cannot let this chance pass
me by and I hope you understand, because for once I found myself in
total control and face to face with my destiny. These chances won't pass
me by, if you will not work with me please let me know, and hence move
on in finding a different partner. I am a family woman and this is an
occasion to provide them with new opportunities. There is a reward for
this project and it is a task well worth undertaking.
If
you find yourself interested to work with me, please contact me
specifically through this email account. If you give me positive
signals, I will initiate this process towards a quick conclusion. It is
necessary to inform you again that under no condition should you contact
me via official channels; I will simply deny knowing you and about this
project.
I
repeat, I do not want you contacting me through our official lines nor
do I want you contacting me through my official email account. Contact
me only 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 woman; I am happily married with kids, I send
you this mail not without a measure of fear, 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 confidence. If we can
be of one accord I shall have the pleasure of meeting you, after this
project has been completed, we can plan a meeting.
I await your response.
Yours Sincerely,
Qin
