Well written Bank Scam (unverified)

Kudos to Mr. Williams for taking the time to write such a long spam email. This supposed bank/inheritance scam sounds official. Of course so do the other 600 we receive from the UK and Nigeria.

Title of todays email was simple: Re: Inquiry from John Williams

Here's today's latest spam scam attempt........



Greetings,

I am John Williams,staff of Coutts & Co Private Bank London UK. 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 am contacting 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 the year 2004, 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 Twelve Million Five Hundred Thousand 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 then, 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 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 various opportunities and made attractive margins for our first months of operation, the accrued profit and interest stood at this point at over Two 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 2005, he asked that the money be liquidated because he needed to make an urgent investment requiring cash payments in Helsinki- Finland. He directed that I liquidate the funds and deposit it with a security firm. I informed him that my 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 Coutts 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 of November 2006.

In June last year 2007, we got a call from the security firm informing us about 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 Coutts & Co Private Bank.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, in Southern part of France.We were soon enough 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 present official capacity as the Head of Finance 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,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 Coutts & Co Private Bank, failing to receive viable claims they will most probably revert the deposit back to Coutts & Co Private Bank.This will result in the money entering the Coutts & Co Private Bank 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 that 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 Twelve Million five hundred thousand 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 my Bank 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 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:I now seek your permission to present you as a next of kin to the deceased, as all documentations will be carefully worked to make you the beneficiary to the funds $12.5m (Twelve Million Five Hundred Thousand United States Dollars.) ; 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. That is: I will simply nominate you as the next of kin and have them release the deposit to you. We share the proceeds 60/40.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.I assure you that I could have the deposit released to you within a few days.



I will simply inform Coutts & Co Private 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 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 won’t 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 luck that has planted you into the center of relevance in my life. Let’s share the blessing. If you find yourself able to work with me, contact me through this 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. My official lines are not secured 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 that 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.



Send your response to my private email:

johnwilliams44kk@yahoo.co.uk

I await your response.



John Williams.

(Coutts & Co Private Bank London UK.).



PS. THANKS BUT NO THANKS!

Nigerian Bank Draft Scam

We have to give this guy credit. He at least makes the supposed scam sound professional. You would think someone with this writing ability could concentrate their efforts on a more legitimate business.

Here's a copy of this email:

YOUR IMMEDIATE INHERITANCE/CONTRACT PAYMENT

RE: PAYMENT OF YOUR OUTSTANDING DEBT VIA CERTIFIED INTERNATIONAL BANK DRAFT

This is to inform you that the Presidency has stepped into the payment of your contract / inheritance fund. The instruction to this Board to authorized your payment was given by the President himself Alhaji Umaru Musa Yar'Adua following intelligence report on contract payment he received which revealed that the lower offices and department including some departments of Central Bank of Nigeria (CBN) are engaging in the practice of payment delays through unnecessary use of bureaucratic office processes and imposition of unauthorized fees. This apart has been allegations that some officials of NNPC and CBN deliberately divert funds approved with the name of a beneficiary to accounts that were not given by the known contractor after the due processing and approval of such payment.

To avoid and curtail such, official misconduct and deliberate delay of foreign contractors’ payment under one flimsy reason or the other, the President of the Country therefore mandated this office to raise contractors’ payment and ensure that such payments are received by the contractor within a short period of five (5) days from the day of notice. Based on the information contained in your contract files and records submitted to us from NNPC, CBN, and FMF your name was in the list of Category A contractors whose payments have been verified and approved with the records indicating that your payment has long been over due. The directive from the President based on all these findings is that this office should make immediately uninterrupted payment of your contract fund direct from the Federal Treasury. Other offices including CBN earlier handling your payment has been advised to hand over to this office to avoid duplication of efforts, though such offices hesitate to let you know of this new development.

In respect of this, this office held a meeting with the representatives of concerned government bodies during which your contract file and other information of your payment were submitted. After going through your file a lot of official irregularities, impending stop orders and complexities surrounding the payment were discovered. This office and the concerned bodies unanimously decided and approved that your contract payment will be raised in Certified International Bank Draft. The draft will be raised either in your name or in the name of your Company as the beneficiary. As soon as the draft is raised and signed off by you, you will be required to present the draft at your bank for confirmation and crediting of fund into your account. This will take 3-5 days of depositing of draft in your bank. Finally, I have tried reaching you by telephone but unsuccessful, I will advise you to call me or send me a fax in regards to this, so that I will intimate you more in regards to your contract payment. Reconfirm you

Best regards,

Mr. Aminu Ahmed

Accountant General of the federation
TEL: +234-1-6576822
CELL:+234-1-7639846
FAX: +234-1-7642712
E-MAIL: acc_ahmedaminu@sify.com
http://www.oagf.gov.ng/team.html

Money Transfer Scam

This supposed scam asks that we help them transfer money to prevent them from paying higher tax rates. According to them their tax rate is 25%. Therefore they can give 10% to so they only have to pay 7% taxes. You would think if a company is doing so well they wouldn't want to go to jail and risk losing this fantastic revenue generating company.

REQUEST TO BE OUR FINANCIAL REPRESENTATIVE / BOOK - KEEPER (10% INTEREST)

NATIONS COMPANY INTERNATIONAL, UK.
Sussex House,London Road
East Grinstead
west Sussex
RH18 1HH
United Kingdom

Email:nationsint2007@aol.com
Dear Sir/Madam,

NATIONS COMPANY INTERNATIONAL, UK is a British textile company. We produce and
distribute clothing materials such as batiks, assorted fabrics and traditional
costume worldwide.
We have reached big sales volume of textile materials in the Europe
and now are
trying to penetrate the international market.
Quite soon we will open representative offices or authorized sales centers all
over the world and therefore we are currently looking for people who will
assist us in establishing a new distribution network there. The fact is that
despite the international market is new for us we already have regular clients
also speaks for itself.

WHAT YOU NEED TO DO FOR US?
The international money transfer tax for legal entities (companies) in UK is
25%, whereas for the individual it is only 7%.There is no sense for us to work
this way, while tax for international money transfer made by a private
individual is 7%. That's why we need you!
We need agents to receive payment for our textiles ( in American express,
cashier and official checks ) and to resend the money to us via Money Gram or
Western Union Money Transfer. This way we will save money because of tax.
JOB DESCRIPTION?
1. Receive payment from Clients
2. Cash Payments at your Bank

3. Deduct 10%, which will be your percentage/pay on Payment processed.

4. Forward balance after deduction of percentage/pay to any of the offices you
will be contacted to send payment to/ or any of our clients overseas (Payment
is to forwarded by or Western Union Money Transfer).

NOTE: All charges of the WESTERN UNION MONEY TRANSFER will be deducted
from the
money, so you are rest assured that you wouldn't spend a dime out of your
personal money.
HOW MUCH WILL YOU EARN?
10% from each operation! For instance: you receive 7000 USD via checks on our
behalf.
You will cash the money and keep $700 (10% from $7000) for yourself! At the
beginning
your commission will equal 10%,though later it will increase up to 12%!

ADVANTAGES

You do not have to go out as you will work as an independent contractor right
from your home office.

Your job is absolutely legal. You can earn up to $3000-4000 monthly depending
on time you will spend for this job. You do not need any capital to start.
You can do the Work easily without leaving or affecting your present Job. The
employees who make efforts and work hard have a strong possibility to become
managers. Anyway our employees never leave us.
But the problem we have is trust, we have made arrangement with the
appropriate
authorities, that if anybody gets away with our money they will definitely get
hold of such individual hence face the full wrath of the law.
Qualifications:

a.. Good business acumen.

b.. Maturity age.

c.. Honest, responsible, industrious

d.. PC, e-mail and the Internet skills

e.. Prior experience of processing checks/wire transfers/money orders is
preferable, but not obligatory.

f.. Ability to check e-mail daily.

g.. No less than 2 working hours per day (possibly in the evening).

PLEASE NOTE THAT ALL TRANSACTIONS ARE 100% LEGAL.

If you are interested in our offer, please respond with the following details
in order for us to reach you:

- FULL NAME:.........................

- CONTACT ADDRESS:...................

- PHONE NUMBERS:.....................

- AGE:...............................

- SEX:...............................

- OCCUPATION:........................

Thanks for your anticipated action. And we hope to hear back from you.

Robin Nations.

(Director)
Email:nationsint2007@aol.com

Religious Based Inheritance Scam

This is another religious based inheritance scam. They all try to make you feel sorry for them and then they usually lead you to believe they are giving the money to you because they feel you will do some good with the money. It's a nice gesture but it makes you raise the question...Why wouldn't you donate to your own charity of choice? Subject of this email was:
Calvery Greetings In The Name Of Our Soon Coming Lord. You would think Mother Ann would know how to spell Calvary.


With all sincerity and humility, it is with deep pains i write you this message of wishful assistance to my predicament,I am Mrs Ann Justins undergoing medical treatment in a Hospital,I am 58 years old,i am deaf and suffering from a long time cancer of the breast which also affected my brain,from all indication my conditions is really deteriorating and it is quite obvious that, according to my doctors they have advised me that i may not live for the next two months,this is because the cancer stage has gotten to a very bad stage.

I was brought up from a motherless babies home was married to my late husband for twenty years without a child, died in a fatal motor accident Before his death we were true Christians.

Since his death I decided not to re-marry,I sold all my inherited belongings and deposited all the sum of $8.6million dollars with a Security Company.Presently, this money is still with them and the management just wrote me as the true owner to come forward to receive the money for keeping it so long or rather issue a letter of authorization to somebody to receive it on my behalf since I can not come over because of my illness or they get it confisticated.

Presently, I'm with my laptop in a hospital where I have been undergoing treatment for cancer of the lungs. I have since lost my ability to talk and my doctors have told me that I have only a few months to live.

It is my last wish to see that this money is invested to any organisation of your choice and distributed each year among the charity organization,the poor and the motherless babies home where i come from.I want you God fearing, to also use this money to fund churches, orphanages and widows,I took this decision, before i rest in peace because my time will soon be up.

Lastly, my happiness is that i lived a life worthy of emulation. Whosoever that wants to serve the almighty must serve him with all his heart and in and soul and also in truth. Please always be prayerful all though you’re life. Any delay in your reply will give me room in sourcing for an individual for this same purpose. Please assure me that you will act according to my specification herein.

As soon as I receive your reply I shall give you the contact of the Security Company.I will also issue you a letter of authority that will prove you as the new beneficiary of my fund. Please assure me that you will act accordingly as I stated herein. Hoping to hearing from you soon.

Please reply me with my private and secured email:
ann.justine2@yahoo.de

I wait for your reply
Yours in Christ
Mother Ann Justins

Inheritance Investment Scam

In this apparent spam scam the sender claims they want to invest their large inheritance in your business. Supposedly God helped them find us as a trustworthy person to share in their 5,200,000 inheritance. Maybe they should split it with the church since their "god" is speaking to them so clearly. We're not buying it...that's for sure. It was quite an appealing subject which read: PLEASE HELP ME This reminds me of the fairy tale "The Boy Who Cried Wolf". I'm not buying this one either. Too bad these are scams. If they weren't, I'd be a gazillionaire by now.


Dear Sir/Madam,



I am Daniel Williams from Sudan writing you from Ghana, I believe by God's grace I got your contact in confidence After asking for God's directions,Despite I never disclose why I needed your contact to any body. I wish to know if you can assist us in by removing and handling both our fund of FIVE MILLION TWO HUNDRED UNITED STATES DOLLARS)US.$5.200.000.00.and invest Presently in your land of business,the fund and gold is still in the Security Company,where my late father deposited it for safe keeping and my father never disclosed the content to the Security Company, he only decleard it as "personal/family treasure"because he donot want the company to know the content of the box's.



Since you are involved in associated business in your country, I and my sister will love if we will invest our fund in your business and you help us look for a buyer of gold over there, because we do not know any body overseas,and we don' t want to do anything here in Africa.

I and my sister are in need of a God fearing person who will assist us very well in this fund that we are about to invest overseas, where we will invest it properly with the person's advice.Actually I do not want involvement of any African because of our safety,they killed my parents because of his money.



If you can assist us receive this fund, kindly send to me your phone number with fax,and your full name and address for us to get you approved as our beneficiary,because we want to finalize this in five or six days from today. Please let me know if you are interested to assist us so that I will send to you phone number of the lawyer for you to call him and discuss on the percentage.



NOTE:PLEASE KINDLY RESPOND BACK TO MY ALTERNATIVE EMAIL ADDRESS BELOW: (danielwilliams_gh1@hotmail.com)



Yours faithfully,

Daniel Williams
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