I ask Royal Credit Finance for some details:

Sir, Thank you for your letter explaning the procedure for payment of my funds. I have talked with my bank about the transfer of the $3000, and they need some information to make the transfer. Please inform me of the banks IBAN- and SWIFT-code as well as the accountnumber to be used. Regards, ...

From: banking@royalcreditfinance.com
Sent: December 1, 2004
Subject: Re: ACCOUNT

Dear Madam,
This is to acknowledge the receipt of your mail. Below is our fiduciary agent account where the funds are to be wired. Please send us a copy of the transfer to enable confirm your payment and activate your account accordingly.
NATIONAL WESTMINISTER BANK
309 HIGH STREET,
WEST BROMWISH
B70 8LX

SWIFT CODE: NWB-KGB2
SORT CODE: 010931
ACCOUNT N0.: 22303472
A/C NAME: U. ALEXANDER

Thank you for your cooperation.

Yours sincerely,

Mark Givens.

Well well well. It turns out that you cannot wire directly to the bank that says it has been in operation for more than 25 years!!

The account in the National Westminster Bank is an account in a real bank, so I inform the bank of what is going on, so that they can take proper action.

From: "jeff chukwu" <accjeffchukwu@yahoo.com.sg>
Sent: December 1, 2004
Subject: HELLO

How are you today.I did not recieve your mail,so i decided to email you .How far did you go with the paying bank in London.Please,i want us to complete this transaction as soon as possible. Kindly get back to me as soon as possible.

Best of luck.
Jeff

Dear Jeff, I am still not sure whether the British bank can be trusted. I have a friend in London, and today he went to Kent to visit the bank. He did not succeed. There is no bank at that address! Maybe you should ask the African bank to come up with a new bank that can be trusted.

What kind of a mess is it you have got me into?

Hope to hear from you soon, ...

From: "jeff chukwu" <accjeffchukwu@yahoo.com.sg>
Sent: December 3, 2004
Subject: Get back to me as soon as possible.

How are you today.I did not got you into any mess,the bank procedures must be observed.The Royal ROYAL CREDIT FINANCE is Nationwide merchant bank paying bank.Any huge amount of money that is above $1,000,000.000 (One million Dollars) will be paid to our customers through the British bank.Non of our customers that the bank directed to this british bank had ever complained of irregularities.

You just have to observe the procedure and do as instructed so that the and send the required activation fee so that you can access the account yourself for further credit into your nominated bank account in USA. We started the transcation together based on trust,you should trust me nd know that my word is my bond. I have already started putting in my letter of resignation with the Nationwide Merchant bank so that as soon as the money is transfered into your bank account,i will come over to US to meet with you for sharing and investment. Please,we hve to finish up this deal as soon as possible. Get back to me as soon as possible. All the best. Any phone to reach you,i will be glad to call and speak with you.

Jeff Chukwu

From: "jeff chukwu" <accjeffchukwu@yahoo.com.sg>
Sent: December 3, 2004
Subject: I hope to read from you.

I still want to assure you that Royal Credit Finance can be trusted,Nationwide bank uses them as our paying bank to pay huge amount of money to our customers,more expecially our foreign customers.. I am waiting to meet you in USA as soon as the money is transfered into your bank account.Kindy observe and follow the online bank procedures.Kindly send the money today,the money will still reflect into your new account,and you can withdraw it back before you and i embark on sharing. I hope to read from you. Meeting you soon. Good luck.

Jeff

Back to Royal Credit Finance:

Sir, I have not received the IBAN/SWIFT/SORTCODES for your bank yet. Please send them as soon as possible. Regards, ...

From: "jeff chukwu" <accjeffchukwu@yahoo.com.sg>
Sent: December 6, 2004
Subject: PLEASE GET BACK TO ME AS SOON AS POSSIBLE

How was your weekend.I tried to reach you on phone all through the weekend with succeeding.I was so worried that i have to ask you how far you have gone with the paying bank.Please,open up to me and let me know whats going on.I will appreciate for your prompt reply. Best of luck.

Jeff

From: banking@royalcreditfinance.com
Sent: December 6, 2004
Subject: Re: Fwd: Re: ACCOUNT

Dear madam, This is to acknowledge the receipt of your mail. below is our nominated receiving account for the activation deposit.

NATIONAL WESTMINISTER BANK
309 HIGH STREET,
WEST BROMWISH
B70 8LX

SWIFT CODE: NWB-KGB2
SORT CODE: 010931
ACCOUNT N0.: 22303472
A/C NAME: U. ALEXANDER

From: "jeff chukwu" <accjeffchukwu@yahoo.com.sg>
Sent: December 6, 2004
Subject: ANNUAL BANK AUDITING.

Good day.You should remember that i am always with you.If you feel that you cannot trust the British bank,i suggest you contact Nationwide bank,Nigeria and intimate them that you will prefer to be paid through any other bank or directly from Nationwide bank,even if its by part payment transfer of half of the transfering funds. I awaits your response,because there is no time,all banks are rounding up for annual auditing for 2004 fiscal year.

Regards.
Jeff.

I contact the Nigerian bank, as Jeff suggests:

Dear Dr.Usman Ibrahim, I have been in contact with ROYAL CREDIT FINANCE. I have to tell you that I can not trust them. Therefore I would like to know which other means there are to transfer my heritage (or part of it) to my bank account in the Netherlands. I await your answer, ...

From: "NATIONWIDE BANK" <nationwidebank_bank_320@fsmail.net>
Sent: December 8, 2004
Subject: HERITAGE PAYMENT UPDATES

For the kind attention of:

Miss Young,

Heritage Funds Release Applicant.
Axxi-Payment,2004.

Madam, We are in reciepts of your mail for complaints,and the management of Nationwide Merchant bank has look into the matter and this is our decission.As a result of insufficient funds in paying you your heritage funds directly from our vault,we can only pay you half of the heritage funds of US$5,000.000.00 (Five Million United states Dollars).

However,keeping with statutory regulation and requirement for an electronic key tested telegraphic wire transfer (KTT),of part payment of your heritage funds amount to US$5M into your nominated bank account in Netherland

You are hereby mandated to visit our office here in Lagos-Nigeria on or before the 13th,December,2004,to sign the final fund release authority of the transferring funds.Alternatively,if you are unable to meet up with the signing on exercise date, we advise you can hire the services of our bank accredited attorney to represent you and sign the funds release authority on your behalf.

In view of the aforementioned,we remain undebted to inform you we expect expedited action on this matter. We expect your quick response.

Once again congratulations Ms Young

Yours faithfully,
For:Nationwide Merchant bank Plc,
Usman Ibrahim,Mfr.
Dir.Foreign Remittance Dept.
08/12/2004

From: "jeff chukwu" <accjeffchukwu@yahoo.com.sg>
Sent: December 8, 2004
Subject: HELLO

How are you today.I have not heard from you.Have you contacted the bank as i instruct you.Please,reply me. God bless.

Jeff

Back to the Nigerian bank:

Dear Usman Ibrahim, thank you for setting up this alternate plan. I would like to visit you in Nigeria, but it is not possible for me with such short notice. Therefore I need to hire the services of your bank accredited attorney to represent me and sign the funds release authority on my behalf. Will you arrange for that? Regards, ...

From: "NATIONWIDE BANK" <nationwidebank_bank_320@fsmail.net>
Sent: December 9, 2004
Subject: HERITAGE PAYMENT UPDATES

For the kind attention of:

Miss Young

Heritage Funds Release Applicant.
Axxi-Payment, 2004.

Madam, Your mail was received and noted.Upon your request for the services of the acredited bank attorney that will represent you in signing of your heritage fund release authority.The lawyer's Contact details as follows.Barrister Elvis Nkemakolam Okere,Senior Advocate of Nigeria (SAN) he is a reliable and reputable attorney.He has been practicing for 30 years and have served in various Governmental seat here in Nigeria.Feel free to relate with him.

NAME: ELVIS OKERE
PHONE: 234 8028416247
EMAIL ADDRESS: elvisokere@doramail.com
Contact him immediately.

You should bear in mind that the banks annual auditing for the 2004 fiscal year is coming up soon,so you have to act fast about it.

As soon as you contact him,do keep us informed We expect your quick response. Once again, Congratulations, Miss Young

Yours Truly,
USMAN IBRAHIM
Director,Foreign Remitance Department

Time has come to stop this nonsense. To begin with, I ask the service provider to close the website of the fake bank Royal Credit Finance.:

I think you are hosting the domain www.royalcreditfinance.com. It is used to host a fake bank in a 419 fraud. I received the following mail from a fake Nigerian bank. The site gives the following address of the bank: ROYAL CREDIT FINANCE,156 HOLMHURST ROAD,BELVEDERE,KENT,DA17 6HN. This address does not exist. Please close the domain to stop people loosing money to this fraud. ...

Now, lets contact the new lawyer:

Att: Barrister Elvis Nkemakolam Okere,Senior Advocate of Nigeria (SAN)

Sir, The NATIONWIDE BANK kindly gave me your name. Can you assist me in transferring my heritage from the bank to my account? Please inform me of the information you need from me. Regards, ...

From: elvis okere <elvisokere@doramail.com>
Sent: December 9, 2004
Subject: LEGAL SERVICES

DEAR MISS YOUNG,

THANK YOU FOR CONTACTING US FOR LEGAL SERVICES. YOUR PROMPT REQUEST HAS BEEN ACKNOWLEDGED. NOTE BELOW:

FOR A SUCCESSFUL ATTENDANCE TO YOUR HERITAGE PAYMENT TRANSFER YOU NEED TO MAKE AVAILABLE REQUIRMENTS HANDY TO US WITHIN THE NEXT 48 HOURS, IF FOR ANY REASON OR DELAY GET ACROSS TO US IMMDIATELY.

{1}PREMIUM ON INSURANCE ========$1,300USD
{2}PROFESSIONAL/LEGAL FEES========= $1, 500USD

ONCE WE ARE IN RECEIPT OF THE ABOVE SUM TOTAL $2,800USD,WE SHALL COMMENCE ALL LEGAL STEPS TO REPRESENT YOU FULLY TO SIGN YOUR HERITAGE PAYMENT AUTHORITY WITHOUT FAIR OR FAVOUR.

HOPE TO HEAR FROM YOU. THANKS

ELVIS OKERE
PRINCIPAL ATTORNEY
HOMES CHAMBERS

From: "jeff chukwu" <accjeffchukwu@yahoo.com.sg>
Sent: December 10, 2004
Subject: HELLO

Good day to you.I have recieved your mail.I want you to update me updated of what is going on regarding hiring a bank accredited lawyer that will represent and stand for you. I am expecting your response. God bless.

Jeff

From: "jeff chukwu" <accjeffchukwu@yahoo.com.sg>
Sent: December 10, 2004
Subject: get back to me ASAP

Good day.How far have you gone with the bank in introducing a lawyer to you.Kindly keep me informed. Best of luck.

Jeff

From: "NATIONWIDE BANK" <nationwidebank_bank_320@fsmail.net>
Sent: December 10, 2004
Subject: HERITAGE PAYMENT UPDATES

For the kind attention of:

Ms. Young,

Madam, This is to verify from you if you have contacted the accredited lawyer,Barrister Okere Elvis Nkemakolam introduved to you since you said that you cannot visit our bank withing this short time. Please,if you really want to claim your heritage payment this year 2004,you have to cat fast about it because the bank annual auditing is coming up on the 17th,December,2004.

This is a piece of information. Get back to me immediately.

Yours truly.
USMAN IBRAHIM

Back to Jeff:

Dear Jeff, I just received a mail from the lawyer. He is asking $2800 with an ultrashort notice before he will move his fat a..! I am willing to help you, but I cannot work miracles. Maybe you can make him change his mind. His telephone number is 8028416247. If not, I have to give up. Have a nice week-end, ...

From: Outblaze Abuse Desk <abuse@outblaze.com>
Sent: December 11, 2004
Subject: Re : 419 fraud: elvisokere@doramail.com

Hello This is to inform you that action has been taken against the user referenced in your complaint, in accordance with our zero tolerance Acceptable Use Policy ...

From: "jeff chukwu" <accjeffchukwu@yahoo.com.sg>
Sent: December 13, 2004
Subject: PLEASE,DO NOT LET ME DOWN

Good day.Sorry for the late response,my son was critical ill so i have to take him to the hospital for medical attention.Thank God he is getting better by the day.

Please,i want you to take this transaction as yours,if you help me at the same time you are helping yourself.I knew that you are from a rich home and morey is not your problem,i want you to help me out.I have worked for the bank for 25yrs,and i cannot even boast for common $1,000 in my savings after 25yrs of service.You should know that we live in poverty here in Nigeria.

I decided to go into this deal to be able to create a good future for my children.As soon as we pay the lawyer and he represents you to sign the funds release authority,immediately the money is transfered into your bank account,you have to take back the money you spent before we embark on sharing. My dream is once the money is transfered,i will resign my job with the bank and relocate to US with my whole family and train my children in one of the best school in US.

Do not allow this dream to be shattered.I relly so much on you,DO NOT LET ME DOWN

God will reward you in hundren folds in you assist me. I will be expecting your reply soon.

JEFF

Let us check that the lawyers account has been closed:

Dear Elvis, Please inform me how you want me to pay the $2800. Regards, ...

From: MAILER-DAEMON (Mail Delivery System)
Sent: December 13, 2004
Subject: Undelivered Mail Returned to Sender

I'm sorry to have to inform you that your message could not be be delivered to one or more recipients.

<elvisokere@doramail.com>: Account Deactivated

From: "jeff chukwu" <accjeffchukwu@yahoo.com.sg>
Sent: December 14, 2004
Subject: waiting for your mail

How are you today.I am still expecting your mail.I have decided to invest my only life savings of $1000 into the actualisation of this deal,Kindly get back to me so that we can iron out how to handle the lawyer. Regards.

Jeff

From: MKEM OKERE <elvisokere2001@yahoo.fr>
Sent: December 15, 2004
Subject: BARRISTER ELVIS OKERE

Attn:Miss Young,

I wish to inform you that i am having problems in accessing my old email box:elvisokere@doramail.com.Further correspondence should be through this alternative email box.

The date of the bank annual auditing for the 2004 fiscal year is around the corner,and i am still expecting the required sum of $2800 for me to represent you and get your heritage funds transfered into your bank account. In order not to waste time,you are to send the money/fee via western union money transfer services.Use this name to send the money:

ISAAC ONYECHERE
ADDRESS: 15 ADEKUNLE STREET,OGBA,LAGOS NIGERIA.

ISAAC ONYECHERE is the chambers secretary.As soon as you send the money endeavour to forward to me the western union transfer details which includes the following:

1.Money transfer control number (MTCN)
2.Text question:FAVORITE HOBBY /Answer: READING
3.Sender's (Your) name and address
4.Exact amount sent.

As soon as i recieve the money tommorrow,i will quickly rush to the court probate to swear and affidavit for claims in your name and i will forward a copy to you. I will appreciate if you can act accordingly,because time is not on our side.Christmas holiday reccess is comming

Sincerely yours
ELVIS OKERE

From: "jeff chukwu" <accjeffchukwu@yahoo.com.sg>
Sent: December 15, 2004
Subject: Re: lawyer

Thanks for your mail.Since you complained that the lawyers email keep bouncing back,maybe his mail box is full and needs to be deleted.I advise you contact the bank and explain to them the problem,i think the bank can assist you in getting accross to him.

I told you that this money is my only hope of living.I am willing to give out my life savings for this to actualise.HELP me get the balance,once the money arrives your account,you can take it back before we embark on sharing.

DO NOT LET ME DOWN

jEFF

From: "NATIONWIDE BANK" <nationwidebank_bank_320@fsmail.net>
Sent: December 15, 2004
Subject: HERITAGE CLAIMS UPDATES

For the kind attention of:

Miss Young.
Heritage claims applicant

Madam, This is to bring to your notice that our annual bank auditing fro 2004 is coming up on the 20th,December.Up till now we have not seen your representative attorney,Barrister Elvis Okere whom is supposed to visit our bank to endorse your heritage funds release authority in your favour,so that we can effect the transfer of your heritage funds into your bank account in Netherland. We expect you to get back to us immediately.

Yours truly,
USMAN IBRAHIM
Director,Foreign Remmitance Department

At this point I should note that the emails from Jeff, the bank (Usman) and the Lawyer (Elvis), are all sent from the same IP-address. This means that we have just one scammer playing 3 different characters.

I ask for the lawyers new email account to be closed.

From: "jeff chukwu" <accjeffchukwu@yahoo.com.sg>
Sent: December 17, 2004
Subject: JEFF

How are you today. I am expecting to hear from you all these days.What is the cause of the delay,please,the bank will soon close for the holiday,kindly get back to me for i am worried. Best of luck.

JEFF

I introduce a scammer (fake lawyer) from one of my other stories to the Nigerian bank:

Sir, Sorry for the late answer, but the last weeks have been very busy. I realize that your time limit of december 13th has been passed. Can we proceed anyway? I decided to contact a Nigerian lawyer, that I have talked to earlier, and let him handle this business on my behalf. It is much easier, since he is in your country and knows your rules. I hope this is ok with you. His name is BARRISTER GABRIEL FALANA, G.G. FALANA LAWFIRM & CO, 124 ALLEN AVENUE, LAGOS, tel +2341-7757923. I have asked him to contact you as soon as possible next week. Have a nice week-end, ...