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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: davidpal@neworleans.com
Date: Tue, 06 Feb 2007 03:20:55 -0600
Subject: BUSINESS PROPOSAL (URGENT)
Goodday ,
I am David Palmer, Chief Operating Officer cunningham Coates
Stockbrokers SMITH & WILLIAMSON Private Banking.
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
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 2000, 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 Thirty 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,
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 rowth 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
ten million United States Dollars, this margin was not the
full potential of the fund but he desired low risk
guaranteed returns on investments.
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 official
capacity 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.
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 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 60% for me, 40% for you Should you be
interested please send me the following informations below,
I will prefer you reach me on my private email address below
And finally after that i shall provide you with more details
of this transaction.Your earliest response to this letter
will be highly appreciated.
I await your response.david_palmer157uk@yahoo.co.uk
David Palmer.
please contact me via this email
address:david_palmer157uk@yahoo.co.uk
Goodday,
I am David Palmer, staff of SMITH & WILLIAMSON Private
Banking.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
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 2000,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 Thirty million united states dollars,which he wished to
have us turn over (invest) on his behalf.Iwas 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 ten 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
2001, he asked that the money be liquidated because he
needed to make an urgent investment requiring cash payments
here in the united kingdom. 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 February 2003.In June 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 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, 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; 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 official capacity 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 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 Thirty 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 whats 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 mans 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 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. 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. 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 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. 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 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 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. Kindly send
your response to my private email address
I await your response.
David Palmer.
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