Qin Wang
Lloyds TSB Pacific Limited
Hong Kong Branch
Two Exchange Square
Central, Hong Kong
Deer
Friend,
Thank you for giving me your time, it is of great importance for you
to take care and understand every word which I have written down below;
please be patient and read my email.
I am a staff of Lloyds TSB Group
Plc here in Hong Kong attached in Private Banking Services. I am
contacting you concerning a customer and an investment placed under our
banks management; as a matter of fact it was 3 years ago. I would
respectfully request that you keep the contents of this mail private
and also to kindly respect the integrity of the information you come by
as a result of this email. 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; Ref: FI/TSB/957/048/0532
came to our bank to engage in business discussions with our Private
Banking Services Department. He informed us that he had a financial
portfolio of 11.37 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 Services
Department, especially given the volume of funds he wished to put into
our bank. We met on numerous occasions prior to any investments being
placed, and however I encouraged him to consider various growth funds
with prime ratings.
The favored route in my advice to customers is to
start by assessing data on 600 traditional stocks and bond managers and
200 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 with interest
included, stood at this point at over 13.2 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 Europe. He directed that I
liquidate the funds and had it deposited with a firm in Europe. I
informed him that our bank 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 borders has become especially
strict since the incidents of 9/11. I contacted my affiliate in Europe
and had the funds available in mainland Europe, I undertook all the
processes and made sure I followed his precise instructions to the
letter and had the funds deposited in a security consultancy firm, the
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; he 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 February 25th
2002. In June last year, we got a call from the security firm informing
us of 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, and I could not understand why he had not come forward to
claim his deposit. I made futile efforts to locate him I immediately
passed the task of locating him to the internal investigations
department of our bank. Four days later, information started to trickle
in, that he was apparently dead, a person who suited his description
was declared dead of a heart attack in Cannes, South of France; we were
soon enough able to gather more information and the 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; he died in 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 for several months
were futile. 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 decision to obtain your
contact details and contact you, being as a foreigner or rather non-
Asian, as a potential benefactor of the estate even if you are in no
way affiliated with this individual (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, with you being a foreigner, I have
considered the fact 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 firm will by the end of this financial year broadcast a request for
statements of claim to our bank, failing to receive viable claims they
will most probably revert the deposit back to our bank. This will
result in the money entering our bank's accounting system and the
portfolio will be out of my hands and out of the Private Banking
Services Department. This will not happen if I have my way.
What I
wish to relate to you might be a 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 USD$ 11,991,674 deposited, 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 the finance firm is concerned, the
transaction with our deceased customer concluded when I sent the funds
to the firm, all outstanding interactions in relation to the file are
just customer services and due process. The finance 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, and this is the situation.
This bank has spent great amounts
of money trying to track the family of the deceased; they have
investigated for months and have found no family but however the
investigation has come to an end. My proposal; I am prepared to place
you in a position to instruct the finance 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 and no more; that is:
I will simply nominate you as the next of kin and have them release the
deposit to you; afterwards 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 as a indifferent foreigner would easily pass
as the beneficiary with the rights to claim, I assure you that I could
have the deposit released to you in a few days. I will simply inform
our bank of the final closing of the file relating to the customer, I
will then officially communicate with the finance company 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 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 firm.
We can fine-
tune this based on our interactions, I am aware of the consequences of
this proposal and I ask that if you find no interest in this project
that you should discard this mail. I ask also, that you do not be
vindictive or destructive, if my offer is of no appeal to you, delete
this message and forget I ever contacted you; please not destroy my
career because you do not approve of my proposal. You may not know this
but people like me 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 and I hope you understand, because
for once I found myself in total control and face to face with my
destiny.
These chances won't pass me by, I ask that you do not
destroy my chance, if you will not work with me please let me know, and
hence move on with my life, but do not destroy me; I am a family man
and this is an occasion 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 will bless you and plant you into
the center of relevance in my life, letâs share the blessing.
If you
find yourself interested to work with me, please contact me
specifically, through this email account ddhydave@zwallet.com , if you
give me positive signals, I will initiate this process towards a
conclusion. It is necessary to inform you that under no condition
should you contact me via official channels; I will simply deny knowing
you and about this project. I repeat, I do not want you contacting me
through our official lines neither do I want you contacting me through
my official email account.
Contact me only through this email address
above; 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 happily married with two kids, I send you
this mail not without a measure of fear as to what the consequences
might be, 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. If we can be of one accord, I shall have
the pleasure of meeting you after this task has been completed plan a
meeting, soon.
I await your response.
Yours Sincerely,
Qin
TEXT ONLY EQUIVALENT
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