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 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.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 in 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
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 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 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 the same surname With our lateclient; 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
davidpalmeruk041@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
davidpalmeruk041@yahoo.co.uk
I await your response.
David Palmer.
davidpalmeruk041@yahoo.co.uk
_________________________________________________________________
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