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
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 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 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 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: d_palmer900uk@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: d_palmer900uk@yahoo.co.uk
I await your response.
David Palmer.
d_palmer900uk@yahoo.co.uk
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