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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: johnchenlee@ymail.com
Date: Sun, 22 Jun 2008 03:39:10 -1200
Subject: CAN I TRUST YOU
Good Day,
I am JOHN CHEN LEE a staff of HANG SENG BANK LTD (Private
Banking Services department) HONG KONG. I am contacting you
concerning our customer and, an investment placed under our
banks management 6 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 10.370 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 12 million
United States Dollars,this margin was not the full potential
of the fund but he desired low risk guaranteed returns on
investments.
In 2005, 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 incident 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 2005.
In January this 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. 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.
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
interstate.
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 HAND SENG
BANK. failing to receive viable claims they will most
probably revert the deposit back to HSB HONG KONG. This will
result in the money entering the HSB 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$13,875,000.00 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 HSB 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 the 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 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. johnchenlee@ymail.com. 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.
Best regards,
John Chen Lee
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