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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: "Kevin Colglazier" <kevincolglazier@mailbox.hu>
Reply-To: kevincolglazier@sify.com
Date: Mon, 19 May 2008 16:01:18 +0100
Subject: With due respect,
I am Kevin Colglazier of Standard Bank,London branch, United Kingdom. I am
contacting you concerning a deceased customer and an investment he placed
under our banks management three years ago, and 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 am contacting 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 the year 2005,the
subject matter; came to our bank to engage in business discussions.He
informed us that he had a financial portfolio of Ten million United States
dollars, which he wished to have us turn over (invest) on his behalf.
I decided to treat his case personally; I made numerous suggestions in line
with my duties as the de-facto Chief investment officer of the bank,
especially given the volume of funds he wished to put into our bank.We met
on numerous ccasions prior to any investments being placed. I encouraged him
to consider various growth funds with prime ratings. The favoured 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 One million United States Dollars, this
margin was not the full potential of the fund but he desired low risk
guaranteed returns on investments.
In November 2006, he asked that the money be liquidated because he needed to
make an urgent investment requiring cash payments in Finland.Where he
said,he is investing with a Firm that is building a housing estate outside
Helsinki for the government of Finland. He directed that I liquidate the
investment and deposit the funds with a security firm. I informed him that
Standard 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 boarders has become especially strict since the
incidents of 9/11. I contacted my affiliate and made the funds available to
a 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
Customer 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 26th February 2007.In June last year, we got a call from
the security firm informing us about 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
Customer had not come forward to claim his deposit. I made futile efforts to
locate the Customer. I immediately passed the task of locating him to the
internal investigations department of Standard Bank. 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, in
Southern part of France. The body was identified and the cause of death was
confirmed. The bank immediately launched an investigation into possible
surviving next of kin to alert them 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,after investigating the last batch of names
forwarded to us as possible relatives, we have come to the conclusion 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 year
broadcast a request for statements of claim to Standard Bank, failing to
receive viable claims they will most probably revert the deposit back to
Standard Bank. This will result in the money entering the Standard 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 that 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 Ten 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 Standard Bank 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 what's the history or nature of the deposit. They are simply awaiting
instructions to release the deposit to any party that come 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 instruct the
security Firm to release the deposit to you as the closest surviving
relative. Upon receipt of the deposit I am prepared to share the money with
you. That is,I will simply nominate you as the next of kin and have them
release the deposit to you and share the proceeds with you in a percentage
we will arrive at taking into consideration our individual level
commitment.I would have gone ahead to ask that the funds be released to
me,but that would have drawn a straight line to me and my involvement in
claiming the deposit. But presenting you as a relative with the right to
claim the deposit as a next of kin will mask my involvement and
participation in diverting the deposit for personal use.You will get all the
documents needed to effect this claim immediately you notify me of your
acceptance to claim this deposit for our mutual benefit.
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. This 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 luck 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. 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 myself. My official
lines are not secured 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.Please observe this instruction
religiously. Do not betray my confidence. Kindly send your response to my
private email:(kevincolglazier@sify.com)
Thanks for your anticipated cooperation
Sincerely,
Kevin Colglazier
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