First name: Philip
Last name: Moore
Location: United Kingdom
On websites: firstname.lastname@example.org
Report: Dear Partner
l am Philip Moore presently Independent Non-Executive Director of the Prudential Regulation Authority, Tesco Bank. (http://www.tescobank.com). Do understand that in a bid to explain these modalities of this transaction, l am sending you a very lengthy message which l indulge you to read carefully for better understanding. I am contacting you concerning a deceased customer and an investment he placed with our bank management five years ago. The content of this communication has to be treated with utmost confidentiality, to avoid unnecessary complications.
I contacted you independently of our investigation and no one is informed of this communication, I would like to intimate you about certain facts that I believe would be of interest to you. In 2009, the subject matter, Engineer Sylvester Sebastian came to our bank to engage in business discussions with our private banking division.
He informed us that he had a financial portfolio of 15.9 Million Great British Pounds, which he instructed us to 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, especially given the volume of funds he wished to put into our bank. We met on numerous occasions and discussed viable investment opportunities.
I encouraged him to consider various growth funds with prime ratings. I invested his funds into trading in Stock Market, Crude Oil and Lending with Profit Returns, as my specialty is to advise customers to invest healthily and yield good profit. 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 out and my client was glad about the returns.
In mid-2010, he asked that the money be liquidated because he needed to make an urgent landed property investment requiring cash payments. He directed that l liquidate the funds and deposit it with a security firm in a private Bank. I informed him that Tesco 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 an 11.5 % 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 strict especially since the incidents of 9/11. I contacted my affiliate 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 private Bank, (private Bank) is a specialist private Bank 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 Bank is familiar especially to the highly placed and well-connected organizations. In line with instructions, the money was deposited with a private Bank. The deceased told me he wanted the money there in anticipation of his arrival from Queensland in Australia later that week. This was the last communication we had, this transpired around 25th October 2010. In June last year, we got a call from the Bank informing us about the activity 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 private Bank, and I could not understand why the Client had not come forward to claim his deposit. I made futile efforts to locate the Client. I immediately passed the task of locating him to the internal investigations department of HSBC. Six weeks later, information trickled in, apparently, our client was dead. A person who suited his description was declared dead of a heart attack from a car crash accident in Sydney Australia.
As part of our duty, we made an effort to identify him and confirmed the news about his death. 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 me contacting you to stand as the beneficiary 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, I can make you the last batch of names we have considered only if you are interested, that is our dear late Client died with no 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 private Bank will by the end of this financial year broadcast a request for statements of claim to HSBC, failing to receive viable claims they will probably revert the deposit back to HSBC vault for good. 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 Bank division. This will not happen if I have my way. What I wish to relate to you will sound unethical to my 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 portfolio.
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 know of the existence of the deposit and as far as HSBC is concerned, the transaction with our late customer concluded when I sent the funds to a private Bank all outstanding interactions in relation to the file are just customer services and due process.
The Bank has no single idea of about, 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. The bank has spent great amounts of money trying to track the deceased Client family; they have investigated for months and have found no family. The investigation has come to an end. My proposal, I will change the deceased last name to match yours only if you are interested, I am prepared to place you in a position as the Next of Kin to the Private Bank 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 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 week. I will simply inform the bank of the final closing of the file relating to the deceased, I will then officially communicate with the Private Bank and instruct them to release the deposit to you. The alternative would be for us to have the Private Bank direct the funds to another bank, where you are a beneficiary of the Account.
This way there will be no need for you to think of traveling to lay claim to the money from the Private Bank. We can fine-tune this based on our interactions. I am aware of the consequences of this proposal. If you find no interest in this project, please 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 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 fight 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 once in a lifetime. I cannot let this chance pass me by, for once I find myself in total control of my destiny. These changes 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 man with children 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 my private mobile, also 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 (TQM).
Please observe this instruction religiously. Please again, note I am a family man, I have 3 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 comes easy or in 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.
Status of report: is still without proof