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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: michael leyden <mmmm_boc@hotmail.com>
Reply-To: <mleydboc@yahoo.com.cn>
Date: Wed, 23 May 2007 23:02:26 +0000
Subject: Good day,
Good day, I am a , staff of Private Banking Services at the Bank of
China (BOC) United Kingdom. I am contacting you concerning
our customer and, an investment placed under our banks
management 4 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 2002, the subject matter; ref: bb/boc/bank/0012 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 8.35 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.
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 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 10 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 2004, he asked that the money be liquidated because
he needed to make an urgent investment requiring cash
payments in Europe. He directed that I liquidate the funds
and had it deposited with a firm. I informed him that the
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 and had the funds available.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 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 9th October,
2004. In January 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 , 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 the bank of china. Four days later,
information started to trickle in, apparently he 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; 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
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. The investigation did not ever yield any result 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.
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 will by the end of this financial year
broadcast a request for statements of claim to BOC, failing
to receive viable claims they will most probably revert the
deposit back to BOC. This will result in the money entering
the BOC 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 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 US$
8,370,000.00 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
BOC 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. 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; I am
prepared to place you in a position to give instruction for
the release of 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. 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 customer I will then officially communicate
with 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 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. 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
won't 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. Let's
share the blessing. If you find yourself able to work with
me, contact me through this same email account. 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
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
confidence. If we can be of one accord, send me your
response to enable us commence this line of discussion.
I await your response.
M. Leyden.
_________________________________________________________________
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