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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: "richard champion" <rchrdchampion@msn.com>
Reply-To: rchadchampion@myway.com
Date: Tue, 20 Sep 2005 16:31:54 +0000
Subject: attn:urgent message
Good day,
I am Mr. Richard Champion, staff of SMITH & WILLIAMSON . 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 am contacting 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 the year 2002, 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 Six 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 then, 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 Two 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 2003, he asked that the money be liquidated because he needed to make
an urgent investment requiring cash payments in Helsinki- Finland. 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 of November 2003.In June last year, we got a call
from the security firm informing us about 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, in Southern part of France.We were soon enough 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 present official capacity as the Head of Finance 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 that 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 Six 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 come 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. That is: I will simply
nominate you as the next of kin and have them release the deposit to you. We
share the proceeds 60/40.I would have gone ahead to ask that 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 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 luck 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 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 the numbers I will provide for you and also through this email
address. I do not want any direct link between you and myself. My official
lines are not secured 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 that 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.
Kindly send your response to my private email :
rchadchampion@myway.com
I await your response.
Richard Champion.
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