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 Seven 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:
dav_palmer378uk@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_palmer378uk@yahoo.co.uk
I await your response.
David Palmer.
dav_palmer378uk@yahoo.co.uk
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