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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: "John Richards" <j4johnny2010@hotmail.com>
Reply-To: johnrichards4all@yahoo.com
Date: Thu, 29 Sep 2005 13:07:17 -0700
Subject: Waiting for your response
Dear Friend,
As the managing director and head of international private banking at Courts
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. 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 contact you independently 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 came to our bank to engage in
business discussions with our private banking division. He informed us that
he had a financial portfolio of 8.7 million British Pounds Sterling, 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 6 million
British Pounds Sterling, 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. He directed that I liquidate the funds
and have it deposited with a security firm.
I informed him that Courts and Co 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.
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 July 2004.
In October 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 Cannes, 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 Courts and Co, failing to
receive viable claims they will most probably revert the deposit to Courts
and Co. This will result in the money entering the Courts 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 are
8,700,000.00 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 Courts 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 am prepared 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. 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. 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. 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 a tidy sum 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.
Best Regards,
John Richards.
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