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.

Mr From: stephen cohen <stephen_cohen44@hotmail.com>
Date: 2013/6/15
Subject: Dear Friend, Can WE Work Together?.

Good day to you.

And Compliments of day , I know this mail may be a surprise to you because
you did not give me the permission to do so and neither do you know me but
before I tell you about myself I want you to please forgive me for sending
this mail without your permission. I am Mr. Stephen Cohen, The audits
director of my bank branch, Tema branch- Ghana, ADB- Bank.

With due respect and regard, I have decided to contact you on a Business
Transaction that will be very beneficial to both of us and our families in
future. I am a Ghanaian married with three kids. I am writing to solicit
your assistance in the transfer of $7,500.000.00 U.S Dollars. This fund is
the excess of what my branch in which I am the manager made as profit during
the 2012 financial year. I have already submitted annual report for that
year to my head office here in Accra as I have watched with keen interest as
they will never know of this excess.

I have since placed this amount of $7,500.000.00 U.S Dollars on an Escrow
Coded account without a beneficiary (Anonymous) to avoid trace. As an
officer of the bank, I cannot be directly connected to this money thus I am
impelled to request for your assistance to receive this money into your bank
account on my behalf.

Although personally, I kept this information secret within myself to enable
the whole plans and idea be profitable and successful during the time of
execution. I agree that 45% of this money will be for you as a foreign
partner, in respect to the provision of a foreign account, 5% will be set
aside for expenses incurred during the business and 50% would be for me. I
do need to stress that there are practically no risk involved in this. It's
going to be a bank-to-bank transfer. All I need from you is to stand as the
original depositor of this fund so that the fund can be transferred to
your account.

This is why and only reason I contacted you, I am willing to invest the fund
into your company with your wealth of experience, So please if you are
interested to assist on this venture kindly contact me back for a brief
discussion on how to proceed .

I wait for your kind response after reading this email and questions were in
doubts for clarification.


Mr. Stephen Cohen

Reply to in my Private Email Address


Phone +233 706 532 359
Mr From: stephen Cohen <stephen_cohen42@hotmail.com>
Date: 2013/6/17
Subject: Urgent Reply,

Dear Sir,

Thanks for your email,This transaction shall be carried out legally through
the right means and ministries here in Ghana and i will be the last person
to betray or cheat on you because of money because i contacted you with open
and sincere mind. This transfer will be through online swift wire transfer
by the bank here Agricultural Development Bank (ADB )

Why i contact you is that the original Depositor of the funds who died in a
sudden car accident bears the same surname as you Mr. Andrew Young, and
since he died there has not being any next of kin to claim the funds in the
bank and this funds has being in an Escrow Account floating without claim
and as his account officer that knows the details of the account i have to
look for someone with the same surname for this transfer to be made to him
so that at the end we start a joint business together in your country that
is the reason i contacted you for this transfer not to cheat or betray you .

For you to be sure you may quietly contact the ADB Bank Remittance
Department informing them that you want to know the statues of this account
of your brother who died two year ago as your family needs the funds that
you are Mr. Andrew Young.

Here are the account details in the bank data base

ESCROW Account #: ADBGH4756800723243.
PIN Code: 7519.
Code ID: 032158

You can contact the bank on the bank email address :


Attention:Mr Patrick Appiah

The response you have with the bank will clear this issue to you and you get
back to me so that i update you on the next step to follow to get this
funds transferred.

Thanks for your kind understanding as i wait to hear from you as soon as


Mr Stephen Cohen
Mr From: PATRICK APPIAH <remittancedept@adbghan.com>
Date: 2013/6/17
Subject: RE: Request received and confirmed

Dear Sir,

Your email and request has being received and we have checked through
the system data base to confirm the account number and other details
with the amount US$7.5M and the funds is existing with the details you

If you want this transfer wired to your account you need to write an
application officially with your details enclosed with it and send to
the bank with a copy of any of your Id and when that is received the
bank will give urgent attention to your request.

Yours Faithfully,

Mr. Patrick Appiah
Remittance Director
DIRECT: + 233 24 126 0473. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ...

The information contained and transmitted by this email is from
AGRICULTURAL DEVELOPMENT BANK and is intended solely for the use of
the individual or entity to whom it is addressed and may contain
privileged, confidential or exempt from disclosure under applicable
law. Any opinions expressed are the exclusive responsibility of
author and do not necessarily represent those of the Agricultural
Development Bank, its subsidiaries or affiliates. Although this
transmission and any attachments are believed to be free of any virus
or other defect that might affect any system computer on which it is
received and opened, it is the responsibility of the recipient to
ensure that it is virus free and accepts no responsibility for
AGRICULTURAL DEVELOPMENT, their subsidiaries and affiliates as
applicable, for any loss or damage resulting from anyway from its use.
If you have received this message in error, please delete this e-mail
and notify us immediately


Mr From: stephen Cohen <stephen_cohen42@hotmail.com>
Date: 2013/6/17
Subject: Top Urgent,

Dear ,

Thanks for your quick respond to my mail, have you contacted the bank and
what did they say?. Do not fail to tell me what ever thing they ask you so
that i will direct you on what to say.

I wait to hear from you soon.


Stephen Cohen

Mr From: stephen Cohen <stephen_cohen42@hotmail.com>
Date: 2013/6/18
Subject: Reminder

Dear Friend,

Have you contacted the bank?.

I wait to hear from you soon


Miss Young

If you received a similar letter, please ignore it. Do not answer it. If you do, you will end up on more of the mailing lists used by the criminals behind this fraud. Read more....


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