Goodday,
I am David Palmer, staff of SMITH & WILLIAMSON Private Banking. I am
contacting you concerning a deceased customer and an investment he
placed under our bank's management three 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 2000, the subject matter; came to our bank to
engage in business discussions with our private banking division. He
informed us that he had a financial portfolio of Thirty 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 sector, 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
advise 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 ten 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 here in the united kingdom. He
directed that I liquidate the funds and deposit it with a security
firm. I informed him that SMITH & WILLIAMSON 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 the 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 deceased 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 that the inactivity
of that particular portfolio.This was an outstanding 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 deceased had not come forward
to claim his deposit. I made futile efforts to locate the deceased. I
immediately passed the task of locating him to the internal
investigations department of SMITH & WILLIAMSON. 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, 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; the deceased died without estate. 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,
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 Security Firm will by the end of this
financial year broadcast a request for statements of claim to SMITH &
WILLIAMSON,failing to receive viable claims they will most probably
revert the deposit back to SMITH & WILLIAMSON. This will result in the
money entering the SMITH &WILLIAMSON 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 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 Thirty 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 SMITH & WILLIAMSON 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 comes forward. This is the situation. This bank has spent great
amount of money trying to track this mans family; they have
investigated for months and have found no family.
The investigation has come to an end.My proposal; you share the same
surname With our late client; I am prepared to place you in a position
to instruct the security 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. 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
the same very name as the original depositor would easily pass as the
beneficiary with right to claim. 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
thereafter' 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 one's 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. Lets share
the blessing.If you find yourself able to work with me, contact me
through this email account: dav_palmer801uk@yahoo.co.uk
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 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. Kindly send your
response to my private email address:
dav_palmer801uk@yahoo.co.uk
I await your response.
David Palmer
