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HSBC BANK
Name: John Michael
Email:john.hsbc12@sify.com
Good day,
I know this is an unconventional way of introducing a big and profitable business deal, but i
however want you to take your time to read my letter carefully, you will understand the necessity
for my action. I got your email address from the Ministry of Commerce Directory. I am John Michael,
staff of International Private Banking at HSBC Bank. 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 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 2001,
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 Forty Eight Million Three Hundred and
Fifty Thousand United States Dollars ($48,350,000.00 USD), which he wished to have us turn
over(invest) on his behalf. I was the officer assigned to his case; I was made numerous suggestions
in line with my duties as the de-facto chief operations officer of the private banking sector,
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
In mid 2002, he asked that the money be liquidated because he needed to make an urgent investment
requiring cash payments in here in the United Kingdom. He directed that I liquidate the funds and
deposit it with a security firm here in London. I informed him that Hsbc 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 in here in London 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 at the London based security consultancy firm,Pat Green Securities Co. Pat
Green Securities Co is a specialist private firm that accepts deposits from high net worthy
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 Pat Green Securities Co. 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 June 2003. In June last year, we got a call from Pat Green Securities
Company informing us that the activity of that particular portfolio. This was an astounding
position as far as I was concer
ned, given the fact that I manage
We were soon enough able 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 testament .In line with our internal
processes for account holders who have passed away, we instituted our own Investigations in
goodfaith 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, you being the last batch of names we have
considered, 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 pre
According to practice, Pat Green Securities Co will by the end of this financial year broadcast a
request for statements of claim to Hsbc,failing to receive viable claims they will most probably
revert the deposit back to Hsbc. This will result in the money entering the Hsbc 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 who occupy certain
offices and oversee certain portfolios. You should have begun by now to put together the general
direction of what I propose. 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
Hsbc is concerned, the transaction with our late customer concluded when I sent the funds to
corporate securities, all outstanding interactions in relation to the file are just customer
services and due process. Corporate Securities Co 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
comes forward. This is the situation. This bank has spent great amounts of money trying to track
this mans family; they have investigated for months and have found no family. The investigation has
come to an end. My
proposal;you share similar detail
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 wit
h a name that has planted you int
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 learnt from my private banking clients. Do
not betray my confidence. If we can be of one accord, we should plan a meeting, soon.Now before we
move any further,i wish to know if you will be able to travel down to London in a short notice for
the purpose of transferring the funds from Pat Green Co. personally or you think that transferring
the funds via bank to bank transfer will be convenient for you.Thank you so much for your time.
I look forward to hearing from you soonest.
I await your response.
John Michael.
N/B
Kindly send your response to my direct email
Address: john.hsbc12@sify.com
TEXT ONLY EQUIVALENT
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