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: Stewart Baculo [mailto:webinfo102@centurytel.net]
Sent: Sunday, September 23, 2007 6:09 AM
To: undisclosed-recipients:
Subject: SPAM: I await your response.

Standard Life Bank,
30 Lothian Road,
Edinburgh EH1 2DH


I am  Stewart Barculo, Staff Standard Life Bank Limited.I am contacting
concerning a deceased customer and an investment he placed under our
management three years ago.I would respectfully request that you keep
contents of this mail confidential and respect the integrity of the
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
believe would be of interest to you.In 2000, the subject matter; came to
bank to engage in business iscussions with our private banking division.
informed us that he had a financial portfolio of Fifty million united
dollars,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
duties as the de-facto chief operations officer of the private banking
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
advise to customers is to start by assessing data on 6000 traditional
and bond managers and 2000 managers of alternative investments. Based on
advice, We spun the money around various opportunities and made
margins for our first months of operation, the accrued profit and
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
on investments.

In mid 2001, he asked that the money be liquidated because he needed to
make an
urgent investment requiring cash payments in here in the united kingdom.
directed that I liquidate the funds and deposit it with a security firm.
informed him that Standard Life House would have to make special
to have this done and in order not to circumvent due process, the bank
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
across boarders has become especially strict since the incidents of
9/11. I
contacted my affiliate and made the funds available to the security
firm. I
all the processes and made sure I followed his precise instructions to
letter and had the funds deposited with the security firm. The Security
Firm is
a specialist private firm that accepts deposits from high net worth
and blue chip corporations that handle valuable products or undertake
transactions that need immediate access to cash. This small and highly
organization is familiar especially to the highly placed and
organizations. In line with instructions, the money was deposited with
security firm.

The deceased told me he wanted the money there in anticipation of his
from Norway later that week. This was the last communication we had,
transpired around 25th February 2003.In June last year, we got a call
from the
security firm informing us that the inactivity 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
about the deposit at the security firm, and I could not understand  why
deceased had not come forward to claim his deposit. I made futile
efforts to
locate the deceased. I immediately passed the task of locating him to
internal investigations department of Standard Life House.Four days
information started to trickle in,apparently our client was dead. A
person who
suited his description was declared dead of a heart attack in Canne,
South of

We were soon enough able to identify the body and cause of death was
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
If you are familiar with private banking affairs, those who patronize
services usually prefer anonymity, but also some levels of detachment
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;
deceased died without a testate. 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
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
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
you being the last batch of names we have considered, is that our dear
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 Security Firm will by the end of this
financial year
broadcast a request for statements of claim to Standard Life
House,failing to
receive viable claims they will most probably  revert the deposit back
Standard Life House.This will result in the money entering the Standard
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
something. It is only an outsider to the banking world who finds the
politics of the banking world aberrational. The world of private banking
especially is fraught with huge rewards for those who occupy certain
and oversee certain portfolios. You should have begun by now to  put
the general direction of what I propose.There is  Fifty Million Dollars
deposited in a security firm, I alone have the deposit details and they
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
Life House is concerned,the transaction with our late customer concluded
when I
sent the funds to the security firm, all outstanding interactions in
relation to
the file are just customer services and due process. The security Firm
has no
single idea of what?s the history or nature of the deposit. They are
awaiting instructions to release the deposit to any party that comes

This is the situation. This bank has spent great amounts of money trying
track this man?s family; they have investigated for months and have
found no

The investigation has come to an end.

My proposal; you share the same surname With our late client; I am
prepared to
place you in a position to instruct The security Firm to release the
deposit to
you as the closest surviving relation. Upon receipt of the deposit,I am
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
50/50.I would have gone ahead to ask the funds  be released to me, but
would have drawn a straight line to me and my involvement in claiming
deposit. But on the other hand, you with the same very name as the
depositor would easily pass as the beneficiary  with right to claim. I
you that I could have the deposit released to you within a few days. I
simply inform the bank of the final closing of the file relating to the
deceased I will then officially communicate with The Security Firm and
them to release the deposit to you. With these two things: all is
alternative would be for us to have The Security Firm direct the funds
another bank with you as account holder. This way there will be no need
for you
to think of receiving the money from The Security Company. 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
appeal to you,delete this message and forget I ever contacted you. Do
destroy my career because you do not approve of my proposal. You may not
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
Such opportunities only come ones' way once in a lifetime. I cannot let
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 chance, if you
not work with me let me know and let me move on with my life but do not
me. I am a family man and this is an opportunity to provide them with
opportunities. There is a reward for this project and it is a task well

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
the center of relevance in my life.Lets share the blessing.If you find
able to work with me,  If you give me positive signals, I will initiate
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
through the numbers I will provide for you and also through this email
I do not want any direct link between you and me. My official lines are
secure lines as they are periodically monitored to assess our level of
care in line with our Total Quality Management Policy.Please observe
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
but I know within me that nothing ventured is nothing gained and that
and riches never come easy or on a platter of gold.

This is the one truth I have learned from my private banking clients. Do
betray my confidence.


I await your response.

Stewart Baculo.

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