Thank you for giving me your time. Please be patient and read my email
to you.
I am a staff of Lloyds TSB Group Plc here in the UK attached in Private
Banking Services. I am contacting you concerning a customer and an
investment placed under our banks management 3 years ago. I would
respectfully request that you keep the contents of this mail private
and also to kindly 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; ref: bb/tsb/bank/81 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 600 traditional stocks and bond managers and 200 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 2001, 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 in Europe. I informed him that our 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 Europe and had the funds available in main
land Europe. 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 25th February 2003. In June last year, we
got a call from the security firm informing us of 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 our bank. Four days
later, information started to trickle in, that he was apparently dead.
A person who suited his description was declared dead of a heart attack
in Cannes, 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 in 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. You have unfortunately declared that you are in no way
affiliated with this individual. 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 firm will by the end of this financial year
broadcast a request for statements of claim to our bank, failing to
receive viable claims they will most probably revert the deposit back
to our bank. This will result in the money entering our bank's
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 the finance firm, 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. The finance 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 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; you share similar details to the late fellow; I am prepared
to place you in a position to instruct the finance 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 and no more.
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 a similar name as the
original depositor would easily pass as the beneficiary with the rights
to claim. I assure you that I could have the deposit released to you in
a few days. I will simply inform our bank of the final closing of the
file relating to the customer. I will then officially communicate with
the finance company 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 or 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
I hope you understand because for once I found myself in total control
and face to face with 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
email account phidavidson234@zipmail.com.br . 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 happily married with two kids.
I send you this mail not without a measure of fear as to what the
consequences might be, 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, we should plan a meeting, soon.
I await your response.
PHIL E. DAVIDSON (DR)
Accès direct : http://www.listesoranges.org/annonce/spamrecettes/8587.html