Miss Young

Hello, I am Miss Young. I received the following email. It is a socalled "Advance Fee Fraud" letter, where I am promised millions for my assistance. These stories are all lies, and if I respond, sooner or later I will be asked to pay a fee. If I pay, another fee will quickly come up, and it will continue that way until I give up or run out of money. I will never see the millions, because they never existed.

If you received a similar email, you should go to the homepage to read more about 419 fraud.

From: LI CHEN < info.lichen46@gmail.com >
Date: 2012/12/14

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Dear Friend,

I am Li Chen, an account manager in China Trust Bank, a licensed bank incorporated in China Asia. I am getting in touch with you regarding a customer in my bank who died here in Asia without a next of kin and an investment worth millions of dollars placed in our bank some years ago,and i happened to be his accounts officer.

However,this deal will be executed under a legitimate arrangement since you bear the same last name with the deceased. I am contacting you independently and will intimate you more about myself and details of the project if and when I receive your response.
Kindly get back to me if you are interested in partnering with me on this project.

Reply to this e-mail address : info.chen@yahoo.cn .

Li Chen

From: LI CHEN < info.lichen@gmail.com >
Date: 2012/12/27
Subject: Details of my earlier proposition

Dear Friend , 
Many thanks for responding to my proposal.well,I must say that I have enormous respect for you considering the manner in which I have made contact with you.  I would go straight to the proposal at hand without wasting much of your time. It is left for you to make up your mind if you would go along with me in accomplishing this or not. If you do wish, then please act as I have instructed. If not, please keep these details  to yourself and I promise to compensate you all the same as soon as the transaction is concluded, as far as you stay in touch. I would respectfully request that you keep the contents of this email confidential and respect the integrity of the information you come by as a result of this email. I contact you independently and no one is informed of this communication.
In 2004, the subject matter; (Late Alfred) came to our bank to engage in business discussions with our private banking division. He informed us that he had a financial portfolio of $42 million United States dollars, which he wished to have us invest on his behalf and I was appointed his private banker/portfolio manager at the time.  I then provided numerous suggestions and advise in line with my duties. Given the volume of funds he wished to put into our bank, we met on numerous occasions prior to any investment 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 600 traditional stocks and bond managers and alternative investments. Based on my advice, we spun the money around various opportunities and made very attractive profits margins during our first few months of operation. The accrued profit and capital at this point stood at over US$46 Million. He desired low risk and guaranteed returns on investments, and as such we could not utilise the full potential of the funds
In October 2004, he instructed that the portfolio be liquidated because he needed to make urgent real estate investments requiring cash payments in United Kingdom. We got in touch with a specialist bank who agreed to receive this money for a fee and make cash available to Alfred.

Last month, I received a notice from the specialist bank notifying me that as a policy, their bank was obliged to notify the originator of a transfer in the event of such remaining dormant/unclaimed after 4 years. The $46 Million we had transferred on behalf of Alfred had sat in the bank for over 3 years untouched, without any instructions from him.
This was indeed shocking news for me considering the urgency he had requested we make the transfer at the time.  Upon enquiry I found out that he was involved in an accident in Mainland China and passed away only a few weeks after the transfer was made to the specialist bank on his behalf. 
As his personal banker, I used all information available to me from his files and upon further enquiries discovered that the deceased died intestate – In fact, he died without nominating a next of kin, or a beneficiary for his estate in the event of the inevitable.
His records with us too show no next of kin and the reason I am writing you is because you bear the same last name with him.
What I wish to relate to you may 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 here in China, is fraught with huge rewards for those who occupy certain offices and oversee certain portfolios. What I propose is that since you are a foreigner and I have exclusive access to his file and the specialist bank was given instructions by me to receive funds when we sought their assistance, you will be made the beneficiary of these funds and the specialist/holding bank subsequently instructed to make payment of the monies in their custody to you. 
Nobody is getting hurt in this. As a banker here in China, we see so much cash and funds being re-assigned daily. The alternative to this would be that when my bank is notified, the Specialist Bank would be instructed and the money reverts back to the state or embezzled by a corrupt top official which is more likely to happen. I know that 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 and as personal banker to the DECEASED and custodian to his files and all his information here, I hold the KEY to these funds.  I want us to keep communication for now strictly by the above  details .  Please, again, note I am a family man; I have a wife and children. Do not betray my confidence. If we can be of one accord, we should act swiftly on this.  
I propose that upon successful completion of this deal, we will split the proceeds according to a ratio to be agreed in subsequent communication between us. 
Finally, I thank you for taking the time to read this and look forward to receiving a swift response from you (hoping you accept my offer to participate in this once in a lifetime opportunity).
Yours Sincerely,
Li Chen

недеља, 30. децембар 2012. LI CHEN је написао/ла:

Dear Partner,

I am in receipt of your email and I am glad you have accepted to partner with me in this. We never know when life is about to shower us with good fortune, however we spend so much time wishing that life does. The uniqueness of your name has made it possible for us to come together to share some decent money.Well,I will state the very crucial issues here, as I have to leave to attend to personal matters. You see, someone close to me recently become sick and her medic examinations are about to be carried out, so this is not a good time in my family now,But however,this has to be done instead of leaving this for corrupt government officials.

In everything one does with another, there must be ameeti ng of minds. In Latin, its called consensus adidem: Without both of us seeing and assessing the situation through the same eyeball there cannot and will never be success or progress. So as we say in Chinese thoroughness is what is needed here.

I need you to obey my every instruction and do exactly as I say. You must let me direct this project for us to succeed. This is not negotiable. It is when there is no leadership and no meeting of minds that there are problems. Everything is going to be done in sequence. I will imagine that the whole process should take about 2 weeks before the money will be in your account.

At this time, I have exclusive access to the files. I will be instructing a solicitor in China to prepare all the documents in your name, this will include a legal testament backdated to reflect it was done before Mr Alfred died saying that Mr Alfred appointed you as his next of kin and beneficiary of his account in China Trust Bank.

This document is what I will include in the file and present to the senior management of my bank when I tell them about the notice from the specialist bank about the funds of Mr Alfred. The bank will meet to discuss his death and then as he has already appointed you as his next of kin in the file I will present to them, transfer of the value will be approved and then authorization given to the specialist bank to make payment to you. Please this is very important and your total commitment is what is desired.

I understand the important responsibility you are taking for this deal to be successful as without you, we cannot lay claim to the funds, hence for your involvement, I am willing we share the money 40% to you, 40% to me and 20% to my partner at the specialist bank who will be facilitating the smooth operation of the transfer from that end. The most important thing is for everything to happen smoothly without any problem, and that all of us can enjoy our share of this money with absolute peace of mind. This cannot be over emphasised as we all have names and families to protect.

From the process, you will not be the one to contact bank, the bank will contact you to inform you that Mr Alfred has died and appointed you to inherit his money with us before he died. So you are doing absolutely nothing wrong or taking any risk. I will be speaking to you only and when necessary as this is a precaution. Most communication will be done via email address.

At this stage I am sure you have plenty questions you want to ask. We are going to take this matter on a step-by-step basis. However something that I must point out to you is that there is no wrong on your part. You must understand why there must be serious confidentiality about this whole process. The specialist bank deals with high net worth of individuals and giant corporations. My contact there will make sure that nothing goes wrong. As soon as China Trust Bank has gone through all formalities with you, they will instruct the specialist bank to make payments to you. This will be done through an attorney as certain verifications required by law have to be done.As soon as I have made the necessary amendments, you become the legal beneficiary.

I hope you will permit my imperfectEnglish in certain areas as I hurriedly put this together, my friend please let us be positive and show discretion as we both make one of the most fruitful steps of our lives.

P.S. Let me know you received this email.

Yours sincerely,
Li Chen.

From: LI CHEN < info.lichen@gmail.com >
Date: 2012/12/31
Subject: Explaining the process

Dear Partner,
Good day to you partner,I am so glad that we are going to be doing this together so please at all the times, I want you to believe and know that this is a very serious issue.I am starting the process  by getting a lawyer to prepare documents in your name. What he will be doing is that he has to prepare documents that makes you the beneficiary of Late Mr. Alfred estate regarding the said amount. This document will be backdated and signed as if the late Alfred did it years ago when he came to my bank to invest money, that in the event of anything happening to him, you be paid as his beneficiary. It is this document I will include in the file as I submit it to the board of my bank. When this is in file and submission is made to board, meeting will then be held and board of my bank will now determine how payment will be made.They will then instruct the specialist bank to commence payment and then that is when the specialist bank will be getting in touch with you.

Also at that stage, I will be relying on you to update me daily as access to file and procedures will be out of my hand. I will be guiding you all the way to make sure there are no delays whatsoever. I am sure we can conclude everything within 2weeks.Please note that as I said earlier the specialist bank will be getting in touch with you without knowledge of communication between us. Please never mention that we have communicated.
When the specialist bankbegins contact with you, with the help of my partner there, the process  will be very easy and then the funds will be paid to any account you choose to use. Do you have an account that can receive that amount of money? How long have you run the account for? Has that amount of funds gone in through that account before? Anyways,when the transfer is done, the bank will be sending all the neccessary original inheritance and probate documents directly to your bank alongside the transfer. You do not need to tell your bank anything. It is your bank that will inform you when they have received the funds and all the covering documents.
We will leave the funds in your account for at least 10 working days and then I will come to your country and meet with you and your family. We discuss and then we share money as agreed. I will then give you an account where you will transfer our share into. What is your profession? I have been working  at the bank for the last 20 years in investment sector. How old are you.? I AM 66  YEARS. How large is your family? Do you have any grandchildren? I have 4 sons, 2 daughters and seven grandchildren. Big family. Please my friend I want us to work together. I want us to work as a team.

I have been working on this for over a year now and I have checked that if we do everything as planned without any enquiries, we will scale through. The china economy is bursting up with so much investments that people do high deals daily and scale through. I am very positive this will work but only if you do as I say and obey instructions.
We will be communicating day to day till we get this to fruition so I will be keeping you informed on what I do here on a daily basis so you can have a clear picture.I have to start by getting a good private and reliable solicitor who has been in practice for at least 20 years to do the paperwork. I am happy to work with you and please respond to all communications. What you do for hobby? I play golf. The late Alfred was a golfer too.There is a chinese saying that goes " Over long distance you learn about the strength of horse and over time you learn about the character of a friend" . My friend please know that i am following my chi (mind) on this, I have no choice but to trust you,

Please know that my whole life, family and hope is on this. When the money is paid to you, I am trusting that everything will be as we have agreed. I will keep you informed with my progress in trying to find a solicitor.

I have decided to attach a copy of my staff ID to show my honesty and I expect you to send me yours in your next correspondence to enable me have a first hand knowledge of whom I am dealing with.
Take care and my greetings to your family.

N.B:Please provide me with your cell phone number in your next correspondence for a brief discussion on further relevant information.
Li Chen

Miss Young

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