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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: "Bank Of China (UK)" <luckydaynl1473@sify.com>
Date: Fri, 29 Feb 2008 01:09:16 +0530 (IST)
Subject: Without prejudice
Good day,
I am Simon James Hobbys, a staff of Private Banking Services at the Bank of
China (BOC) United Kingdom. I am contacting you concerning our customer and,
an investment placed under our bank's management four 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 2002, the subject matter; ref: bb/boc/bank/0012 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
(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 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 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 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 2004, 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.
I informed him that the 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 and had the funds available.
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 9th October,
2004.
In January 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, 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 the Bank of China. Four
days later, information started to trickle in, apparently he 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; he died intestate.
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. The investigation did not ever yield any
result 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. 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 firm will by the end
of this financial year broadcast a request for statements of claim to BOC,
failing to receive viable claims they will most probably revert the deposit
back to BOC. This
will result in the money entering the BOC accounting system and the
portfolio will be out of my hands and out of the Private Banking Services
Department. 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 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 BOC is concerned, 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. 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; I am prepared to place you in a position to give
instruction for the release of 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. 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 customer I will then officially communicate with 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 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 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 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 same
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 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. If we can be of one accord, send me your response immediately
to enable us commence this line of discussion.
I await your response.
Yours sincerely,
Simon James Hobbys.
Bank Of China, UK Branch
Direct Fax:+44-8701 332588
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