From: Ma Delun
Date: 2009/9/1
Subject: Hello
To:
Good day,
I am Ma Delun,a staff of Private Banking Services at the Bank of China
(BOC) United Kingdom. I am contacting you concerning our customer and, an
investment placed under our banks management 5 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 2003, the subject matter; ref: bb/boc/bank/0012 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 8.35 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. 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 10 million United
States Dollars, this margin was not the full potential of the fund but he
desired low risk guaranteed returns oninvestments.
In mid 2005, 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. I informed him that the
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 and had the funds available.
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 9th October, 2005.
In January last year, we got a call from the security firm informing us that
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 the bank of china. Four days
later, information started to trickle in, apparently he was dead. A person
who suited his description was declared dead of a heart attack in Canne,
South of France. 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; 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 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.
The investigation did not ever yield any result 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. 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 BOC, failing to receive
viable claims they will most probably revert the deposit back to BOC. This
will result in the money entering the BOC 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 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.
There is US$ 8,370,000.00 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 BOC 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. 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 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 give instruction
for the release of 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. That is: I will simply nominate you as the next of kin and have them
release the deposit to you. 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.
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 customer I will then officially communicate with 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 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. 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 name 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 same 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 through this email address. 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 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. If we can be of one
accord, send me your response on my email madelunn@yahoo.com.hk to enable us
commence this line of discussion.
I await your response.
Ma Delun.
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