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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: "J. Burnam" <femiharry1@mrfemiharry.org>
Reply-To: jburnam@terra.com
Date: Tue, 04 Oct 2005 15:50:25 +0000
Subject: Date: 04/10/05
Date: 04/10/05
From: Jerry Burnam
Subject: PROPOSAL
Dear Friend:
I am Jerry Burnam, a managing director and head of international private
banking at Loita Capital Partners International (LCPI), the private banking
arm of Versus bank, Abidjan - Côte d'Ivoire. I am contacting you concerning
a deceased customer, and an investment he placed under our banks management
3 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 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
favoured 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 Loita Capital Partners International (LCPI) 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 as he had directed. 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 France later that week. This was the last
communication we had, this transpired around 25th February 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 gone
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 because of the similarity in
your last names. 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 Loita Capital Partners International (LCPI), failing to receive
viable claims they will most probably revert the deposit to Loita Capital
Partners International (LCPI). This will result in the money entering the
Loita Capital Partners International (LCPI) 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 is
8,700,000.00 pounds 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 Loita Capital Partners International (LCPI) 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 bankers 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. This chance does not 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. If you give me positive signals, I will give you the
relevant details and 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 my email account:
jburnam@katamail.com
I do not want any direct link between you and I. 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 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. I
await your response.
Sincerely,
Jerry Burnam.
Anti-fraud resources: