Good Day,
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; the deceased
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 the deceased was dead. A person who suited
his escription 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 the deceased 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 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 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 deceasedYorke
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 thisproposal.
I ask that if you find no interest in this project that you shoulddiscard
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_palmer707uk@yahoo.com.hk
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 onfidence.
Kindly send your response to my private email address
david_palmer707uk@yahoo.com.hk
I await your response.
David Palmer
