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 growthfunds with prime ratings.The favored route in my advise to
customers is tostart 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 atthis 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 omplexities 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 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_palmer2007@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 david_palmer2007@yahoo.co.uk
I await your response.
David Palmer.
david_palmer2007@yahoo.co.uk
