Name: Norris Stephen
Email: n.stephen96@yahoo.com
Good Day,
I am Norris Stephen, staff of Northern Rock
Bank. I am contacting you concerning a
deceased customer and an investment he
placed under our banks management eight
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 seventeen Million
Three Hundred and Fifty Thousand United
States Dollars ($17,350,000.00 USD), which he
wished to have us turn over (invest) on his
behalf. I was the officer assigned to his case; I
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 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 Ten
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 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 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 here in London and made
the funds available to the bank. 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 Bank ,
this bank 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 Bank, 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 the Bank informing us that 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 Bank, and I could not
understand why the deceased ha d not come
forward to claim his deposit. I made futile
efforts to locate the deceased. I immediately
passed the task of locating him to the internal
investigations department of the Bank. 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 Cannes, 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; 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 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,
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 prevailing situation is in
relation to the deposit and the late beneficiary
of the deposit.
According to practice, The Bank will by the end
of this financial year 12th day of September,
2011 broadcast a request for statements of
claim to the Bank.
failing to receive viable claims they will most
probably revert the deposit back to the Bank.
This will result in the money entering the Bank
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 the Bank is concerned, the
transaction with our late customer concluded
when I sent the funds to the bank, all
outstanding interactions in relation to the file
are just customer services and due process. The
Bank 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 details to the
late fellow; I am prepared to place you in a
position to instruct the 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 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 Bank 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 Bank 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 Bank. 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 wont pass me
by. I
ask
that you do not destroy my chances, 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 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 the numbers I will provide for
you and 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 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
learnt from my private banking clients. Do not
betray my confidence. If we can be of one
accord, we should plan a meeting, soon.
I await your response.
Mr Norris Stephen
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