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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: Ma Delun <lutheran@nfdc.net>
Reply-To: Ma Delun <mrmadelun_2@yahoo.com.hk>
Date: Fri, 18 Jul 2008 02:53:22 -0400
Subject: READ CAREFULLY AND KEEP ME INFORM
--
Good Day,
Greetings to you and your family, I am a staff of Private Banking Services
at the Bank of China (BOC). I am contacting you concerning our customer and,
an investment placed under our banks management 3 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 8.370 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 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 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 2004.
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 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 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. 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 on this email to enable us commences this line
of discussion.
Best regards,
Ma Delun
________________________________________________________________
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