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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.
Click here to report a problem with this page.
Some comments by the Scam-O-Matic about the following email:
Fraud email example:
From: "qin wang" <kk_qinwang@msn.com>
Reply-To: meqinwang@37.com
Date: Tue, 24 Jan 2006 02:49:21 +0000
Subject: MY FIRST OPPORTUNITY
Qin Wang
Lloyds TSB Pacific Limited
Hong Kong Branch
Thank you for giving me your time. Please be patient
and read my email to you.
I am a staff of Lloyds TSB Group attached in private
Banking Services. I am contacting you concerning a
customer and, an investment placed under our banks
management 3 years ago, I contacted you independently
of our investigation and no one is informed of this
communication and I would like to intimate you with
certain facts that I believe would be of interest to
you.
In 2001, the subject matter; ref: bb/tsb/bank/73 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 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 600 traditional stocks and bond managers and
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 2002, 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
in Europe. 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 Europe and had the funds
available in main land 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 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 25th February 2003. In June last
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 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
in testate.
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 the finance firm, 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. 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 similar details to the
late fellow; I am prepared to place you in a position
to instruct the finance 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
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. 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. But on the
other hand, you with a similar name as the original
depositor 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. 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
or 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 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. 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 email account meqinwang@37.com
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 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 happily married with
two kids. I send you this mail not without a measure
of fear as to what the consequences might be, 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, we should plan
a meeting, soon.
I await your response.
Sincerely,
Qin Wang
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