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 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_palmer2007uk@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 onfidence.Kindly send your response to my private email address
d_palmer2007uk@yahoo.co.uk
I await your response.
David Palmer.
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