This is a standard next-of-kin scam, with some added imaginative flourishes about the nature of private banks and how they appeal to people who want to keep things secret. If you’ll just present yourself as the only surviving relative of our deceased depositor, riches will be yours. And it’s not as though you’d be stealing from anyone: there are no other relatives, and the money would just vanish into the bureaucracy if no one claims it.
from: Joseph Baddoo (firstname.lastname@example.org)
date: Mon, Sep 7, 2009 at 4:27 PM
subject: PERSONALLY FOR YOU
I am Mr.Joseph Baddoo staff of CAL accra bank Ghana.I am contacting you in respect to a financial portfolio of Ten Million United States Dollars (US $10 Million) deposited in a security firm whose depositor died in mid 2007.As the Head, Foreign (International) Operations Unit, the investigating team has for the past years been fruitless to locate my late client, If you are familiar with private banking affairs, those who patronize our services usually prefer anonymity and also some levels of detachment from conventional processes. In his bio-data form, he listed no next of kin. If nobody comes forward to claim the deposit, the Security firm will by the end of its financial year in 2009 revert the deposit back to CAL Bank. This will result in the money entering the CAL Bank accounting system.
The world of private banking especially is fraught with huge rewards for those that occupy certain offices and oversee certain portfolios; the security firm has no single idea of the history or nature of the deposit. They are simply awaiting instructions to release the deposit to any party that come forward. I would have gone ahead to ask that the funds be released to me, but that will draw a straight line to me and my involvement in claiming the deposit. But introducing you as a relative with the right to claim the deposit as a next of kin will mask my involvement and participation in diverting the deposit for personal use. I assure you that all the documents needed to effect this claim will be given to you immediately you notify me of your acceptance to partner with me in claiming this deposit for our mutual benefit. I am ready tointroduce you to my bank as the closest surviving relation; upon successful delivery of the deposit to you. We share the money equally 50/50.
If you find yourself able to work with me, contact me