Goodday,
I am David Palmer, staff of SMITH & WILLIAMSON Private Banking.I am
contacting you concerning one the deceased, customer and an investment he
placed under our banks 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.Iwas 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 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 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 confir
med. 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 whopatronize 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 pro
cesses 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 t
he 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 rel
ation to the file are just customer services and due process. The
security Firm has no single idea of whats 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 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
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. These chances wont 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: david_palmerac2@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 y
ou 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:
david_palmerac2@yahoo.co.uk
I await your response.
David Palmer.
david_palmerac2@yahoo.co.uk
