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Scam Money Transfers - Banks, Bank Managers
Example - Steve Chikeluba, Manager in the Department of Accounts Division, First City Monument Bank Plc, Ghana
Have you received an email from "Steve Chikeluba, Manager in the Department of Accounts Division" at "First City Monument Bank Plc, Ghana",
claiming that he has found a "dormant account" or money from a deceased customer
with no next of kin, or no will, and he needs you, a foreigner to help him take
the money, to keep it from being turned over to the bank or government?
It is a scam. Even if it weren't a scam, it would be a felony,
fraud and theft. But it is all nonsense, a scam made up to get money from you.
See the example below, an actual email from the scammer, sent to a victim.
The scammer intends to to get hold of your money instead, by conning you into sending money for various "fees" to free the
"funds in escrow".
If you would like a step by step
explanation of how this type of "Advance Fee Fraud" works, click here!
Note some of the obvious scam clues that we have
highlighted in the email below,
such as excessive/incorrect use of CAPITAL letters, terrible spelling, grammar
and punctuation, the use of free email accounts rather than a domain and website that
matches the company's name, etc.
Scam email:
From: "MR.
STEVE CHIKELUBA" < steve-chikluba21@hotmail.com >
Reply-To: steve_chikeluba@yahoo.it
Subject: Dear Fred
Date: Wed, 21 Mar 2007 10:34:06 +0000
Dear Fred,
I am Mr Steve Chikeluba, I am the Manager in the Department of Accounts
Division, First City Monument Bank Plc Ghana. On December 30th 2002, one of
our esteemed clients Mr. Andrew Ulloa, made a numbered time Fixed) Deposit,
for twelve calendar months in my Bank branch. Upon maturity, we sent a usual
notice to his forwarding address but got no answer. After a month, we sent a
reminder and finally we discovered from his pact employees he was aboard
the, Boeing 727 Beirut-bound charter Jet which crashed in Benin Republic
during takeoff on December 26th 2003, see the below link for more news about
the air crash:
www.cnn.com/2003/WORLD/africa/12/26/benin.crash/
On additional inquisition, the Bank discovered that he died without making a
WILL and all efforts made to locate any of his extended relatives proved
fruitless. On further inquest, it was discovered that Late Mr. Andrew did
not state any next of kin in all his certified documents, as well as his
Certificate of Deposit here at the Bank. The total sum is US$9.5M still in
my bank and the interest is being rolled over with the principal sum at the
end of each year. No one would ever come onward to claim this money.
In accordance with the Federal Banking Governing Body and Constitution, the
account would be declared fallow and the proceeds would be revert to the
possession of my Government if nobody applies as the beneficiary to the
funds. As a result, I shall install you as a foreigner to stand in as the
next of kin to this deceased, since you have matching last name with the
deceased, so that the proceeds of this account could be released to you, for
us to share.
Upon your acceptance of this proposition, I shall give you comprehensive
information on how this venture would be accomplished without any hitch.
Moreover, we shall employ the services of a notary here for the purpose of
procuring a letter of probate and to obtain all other pertinent documents in
your name for the requisite documentation for immediate payment approval in
my bank.
The money would be shared in the ratio of: Fifty percent for me, forty five
percent for you and five percent for any arising contingencies during the
course of this transaction. I pledged that this venture would be
accomplished under a justifiable pact that will protect you from any legal
trouble and I will exert my significant influence in the bank to secure
approvals and guarantee the successful completing of this transaction.
Please be informed that your extreme discretion is required. If this
proposition interests you, kindly reply me directly by email and indicate
your readiness and willingness to finalize this transaction with him.
Equally email me with your full name, your address, year of birth, your
contact telephone and fax numbers respectively.
Upon receipt of your positive response with the requested information, I
will draft an Application letter you will endorse and send it officially to
my Bank for them Administrative Processing and Approval in your favor. Thanks
as I look forward to your timely and positive reply.
Respectfully yours.
Mr. Steve Chikeluba.
Here's another version. Notice how the scammers simply change the name
of the deceased to match their scam victim!
From: "MR. STEVE CHIKELUBA" <
steve-chikluba21@hotmail.com >
Reply-To: steve_chikeluba@yahoo.it
Subject: Dear Ulloa
Date: Wed, 21 Mar 2007 10:34:06 +0000
Dear Ulloa,
I am Mr Steve Chikeluba, I am the Manager in the Department of Accounts
Division, First City Monument Bank Plc Ghana. On December 30th 2002, one of
our esteemed clients Mr. Andrew Ulloa, made a numbered time Fixed) Deposit,
for twelve calendar months in my Bank branch. Upon maturity, we sent a usual
notice to his forwarding address but got no answer. After a month, we sent a
reminder and finally we discovered from his pact employees he was aboard
the, Boeing 727 Beirut-bound charter Jet which crashed in Benin Republic
during takeoff on December 26th 2003, see the below link for more news about
the air crash:
www.cnn.com/2003/WORLD/africa/12/26/benin.crash/
On additional inquisition, the Bank discovered that he died without making a
WILL and all efforts made to locate any of his extended relatives proved
fruitless. On further inquest, it was discovered that Late Mr. Andrew did
not state any next of kin in all his certified documents, as well as his
Certificate of Deposit here at the Bank. The total sum is US$9.5M still in
my bank and the interest is being rolled over with the principal sum at the
end of each year. No one would ever come onward to claim this money.
In accordance with the Federal Banking Governing Body and Constitution, the
account would be declared fallow and the proceeds would be revert to the
possession of my Government if nobody applies as the beneficiary to the
funds. As a result, I shall install you as a foreigner to stand in as the
next of kin to this deceased, since you have matching last name with the
deceased, so that the proceeds of this account could be released to you, for
us to share.
Upon your acceptance of this proposition, I shall give you comprehensive
information on how this venture would be accomplished without any hitch.
Moreover, we shall employ the services of a notary here for the purpose of
procuring a letter of probate and to obtain all other pertinent documents in
your name for the requisite documentation for immediate payment approval in
my bank.
The money would be shared in the ratio of: Fifty percent for me, forty five
percent for you and five percent for any arising contingencies during the
course of this transaction. I pledged that this venture would be
accomplished under a justifiable pact that will protect you from any legal
trouble and I will exert my significant influence in the bank to secure
approvals and guarantee the successful completing of this transaction.
Please be informed that your extreme discretion is required. If this
proposition interests you, kindly reply me directly by email and indicate
your readiness and willingness to finalize this transaction with him.
Equally email me with your full name, your address, year of birth, your
contact telephone and fax numbers respectively.
Upon receipt of your positive response with the requested information, I
will draft an Application letter you will endorse and send it officially to
my Bank for them Administrative Processing and Approval in your favor. Thanks
as I look forward to your timely and positive reply.
Respectfully yours.
Mr. Steve Chikeluba.
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