Monday, March 9, 2009 4:31 AM
“Mr Mervin King”
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I am Mervin King of Standard Bank Plc, United Kingdom . I am contacting you concerning a
deceased customer and an investment he placed under our banks management three years
ago, and 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 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 in line with my duties
as the de-facto chief Intermediary 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. I encouraged him to consider various growth funds with primeratings. The favoured
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 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 2005, he asked that the money be liquidated because he needed to make an
urgent investment requiring cash payments in Finland . Where he said, he is investing with
a Firm that is building a housing estate outside Helsinki for the government of Finland . He
directed that I liquidate the investment and deposit the funds with a security firm. I informed
him that Standard Bank Plc 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 a 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 Customer 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 2006.In June last year,
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 Customer had not come forward to claim his deposit. I
made futile efforts to locate the Customer. I immediately passed the task of locating him to
the internal investigations department of Standard Bank Plc 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 . The body was identified and
the cause of death was confirmed. The bank immediately launched an investigation into possible
surviving next of kin to alert them 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, after investigating
the last batch of names forwarded to us as possible relatives, we have come to the conclusion
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 year broadcast a request for
statements of claim to Standard Bank Plc, failing to receive viable claims they will most probably
revert the deposit back to Standard Bank Plc. This will result in the money entering the Standard
Bank Plc 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 Ten 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 Standard Bank Plc 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 am prepared to place you in a position to instruct the security Firm to release
the deposit to you as the closest surviving relative. 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 and share the proceeds with you in a percentage we will
arrive at taking into consideration our individual level commitment. 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 presenting you as a relative with the
right to claim the deposit as a next of kin will mask my involvement and participation in diverting
the deposit for personal use. You will get all the documents needed to effect this claim immediately
you notify me of your acceptance to claim this deposit for our mutual benefit. 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 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 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
Do not betray my confidence.
This spammer has no respect, due or undue for anyone. He’s nothing but a robber and a liar, so delete this spam.