From: john judge - jjudge7@indiatimes.com
Hello,
I am John Judge of a staff of ADAM Private Bank (ADAM BANK ), United Kingdom. I am contacting you concerning a deceased customer and aninvestment he placed under our banks management three years ago, and Iwould respectfully request that you keep the contents of this mailconfidential and respect the integrity of the information you come by as a result of this mail.
I am contacting you independently of our investigation and no one isinformed of this communication. I would like to intimate you with certain facts that I believe would be of interest to you. In the year 2003, the subjects matter; came to our bank to engage in business discussions. He informed us that he had a financial portfolio of Ten million United States dollars, which he wished to have us turn over (invest) on his behalf. I decided to treat his case personally; I made numerous suggestions inlinewith my duties as the de-facto chief Intermidiary Sales department of the bank, especially given the volume of funds he wished to put into our bank.We met on numerous occasions prior to any investments being placed. Iencouraged him to consider various growth funds with prime ratings. Thefavoured route in my advice 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 variousopportunities and made attractive margins for our first months ofoperation, the accrued profit and interest stood at this point at over One million United States Dollars, this margin was not the full potential of the fund but he desired low risk guaranteed returns on investments.
In November 2004, he asked that the money be liquidated because heneeded to make an urgent investment requiring cash payments in Finland.Where he said, he is investing with a Firm that is building a housingestate outside Helsinki for the government of Finland. He directed that I liquidate the investment and deposit the funds with a security firm. Iinformed him that ADAM BANK private Bank would have to make specialarrangements to have this done and in order not to circumvent dueprocess, 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 theincidents of 9/11. I contacted my affiliate and made the funds available to a security firm. I undertook all the processes and made sure I followed his precise instructions to the letter and had the funds deposited withthe security firm. The Security Firm is a specialist private firm thataccepts deposits from high net worth individuals and blue chipcorporations that handle valuable products or undertake transactions that need immediate access to cash. This small and highly private organization is familiar especially tothe highly placed and well-connected organizations. In line withinstructions, the money was deposited with the security firm. The Customer told me he wanted the money there in anticipation of his arrival fromNorway later that week. This was the last communication we had, thistranspired around 25th February 2005.In June last year, we got a call from the security firm informing us about the
inactivity of that particularportfolio.
This was an astounding position as far as I was concerned, given thefact that I managed the private banking sector I was the only one whoknew about the deposit at the security firm, and I could not understandwhy the Customer had not come forward to claim his deposit. I made futil efforts to locate the Customer. I immediately passed the task oflocating him to the internal investigations department of Adam PrivateBank Four days later, information started to trickle in, apparently ourclient was dead.
A person who suited his description was declared dead of a heart attackin canne, in Southern part of France. The body was identified and thecause of death was confirmed. The bank immediately launched aninvestigation into possible surviving next of kin to alert them about the situation and also to come forward to claim his estate. If you arefamiliar with private banking affairs, those who patronize our servicesusually prefer anonymity, but also some levels of detachment fromconventional processes.
In his bio-data form, he listed no next of kin. In the field of privatebanking, opening an account with us means no one will know of itsexistence,accounts are rarely held under a name; depositors use numbersand 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 bankitself, ensuring that there are no traces of the account and as I said,rarely do they nominate next of kin. Private banking clients apart fromnot 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 shouldhave right to claim the estate. This investigation has for the past months been unfruitful. We have scanned every continent and used our privateinvestigation affiliate companies to get to the root of the problem. It i!
s
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 theinvestigation and the only party to receive the results of theinvestigation.What this means, you being the last batch of names we have considered.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 theprevailing situation is in relation to the deposit and the latebeneficiary of the deposit.According to practice, The Security Firm will by the end of this year broadcast a request for statements of claim toAdam Private Bank, failing to receive viable claims they will mostprobably revert the deposit back to Adam Private Bank. This willresult in the money entering the Adam Private Bank accounting systemand the portfolio will be out of my hands and out of the privatebanking division.
This will not happen if I have my way. What I wish to relate to youwill smack of unethical practice but I want you to understand something. It is only an outsider to the banking world who finds the internalpolitics of the banking world aberrational. The world of private banking especially is fraught with huge rewards for those that occupy certainoffices and oversee certain portfolios. You should have begun by now toput together the general direction of what I propose. There is Ten million dollars deposited in a security firm, I alone havethe 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 Adam Private Bank is concerned. The transaction with our latecustomer concluded when I sent the funds to the security firm, alloutstanding interactions in relation to the file are just customerservices and due process. The security Firm has no single idea of what the history or nature of
the deposit. They are simply awaiting instructions to release the deposit to any party that come 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 the deceased and I amprepared to place you in a position to instruct the security Firm torelease the deposit to you as the closest surviving relative. Upon receipt of the deposit I am prepared to share the money with you in half. Thatis: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 that 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 surname with the deceased can easily be accepted as next of kin to the late customer with the right to administer over the estates of the deceased since he died intestate.
I assure you that I could have the deposit released to you within a fewdays. I will simply inform the bank of the final closing of the filerelating to the deceased I will then officially communicate with TheSecurity 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 thefunds 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 SecurityCompany. We can fine-tune this based on our interactions. I am aware ofthe 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, deletethis message and forget I ever contacted you. Do not destroy my careerbecause you do not approve of my proposal. You may not know this butpeople like myself who have made tidy sums out of comparable situationsrun the whole private banking sector.
I am not a criminal and what I do, I do not find against goodconscience, this may be hard for you to understand, but the dynamics of my industry dictates that I make this move. Such opportunities only comeones'way once in a lifetime. I cannot let this chance pass me by, for once I find myself in total control of my destiny. This chance won't pass meby. 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 newopportunities. There is a reward for this project and it is a task wellworth undertaking.
I have evaluated the risks and the only risk I have here is from yourefusing to work with me and alerting my bank. I am the only one whoknows of this situation, good fortune has blessed you with a luck that has planted you into the center of relevance in my life. Let's share theblessing. If you find yourself able to work with me, contact me throughthis email account. 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 myself. Myofficial lines are not secured lines as they are periodically monitored to access our level of customer care in line with
our Total QualityManagement 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 andriches never come easy or on a platter of gold. This is the one truth Ihave learned from my private banking clients. Do not betray my confidence.
Reply to my private email account jjudge7@indiatimes.com
yours faithfully,John Judge
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