Dr. Qin Li Wang
Lloyds TSB Pacific Limited
Hong Kong Branch
Two Exchange Square
Central, Hong Kong.
Fax:+ 852-301-61252
http://www.lloydstsb.com.hk
drqinwang46@yahoo.com.hk
Attention,
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 the explanation in 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/958/042/0500 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 14.37 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 favoured 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
15.2 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 Intestate.
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 shall 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
some things 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$ 13,991,674(Thirteen million, nine hundred and ninety one thousand, six hundred and
seventy four united states dollars) 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 officially come to an end. My proposal; I am prepared
to place you in a position whereby an instruction is given to the finance firm to officially
release the deposit to you as the closest surviving relation/associate, and all etiquette shall be
done in accordance with the rule of law, I certainly can guarantee you that.
By the common law, the power of bequeathing is coeval with the first rudiments of the law, and this
power has been extended to all a man's Personal and Real estate (Personality & Realty). There is no
ruling which prevents an inheritance from being so exhausted by legacies as to render it unworthy
of the heir's acceptance; basically all persons of sound mind are competent to bequeath and devise
real and personal estate, excepting infants, with all this I would say we have the clear advantage
to carry out a smooth and perfect operation whereby the paper work shall be coordinated in such a
way that your status as a sole beneficiary is confirmed. 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 centre of relevance
in my life, let’s share the blessing.
If you find yourself interested to work with me, please contact me specifically, through this email
account drqinwang46@yahoo.com.hk if you give me positive signals, I will initiate this process
towards a quick 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 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.
please contact me specifically, through this email account drqinwang46@yahoo.com.hk
I await your response.
Yours Sincerely,
Dr. Qin Li Wang.
TEXT ONLY EQUIVALENT
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