Example of Email Fraud
FROM MR JOHN ALLEN
FINANCIAL BANK OF BENIN
REPUBLIC OF BENIN.
Tel:+229 560 891
I am Mr.John Allen, the director in charge of auditing and accounting section of
Financial Bank of Benin cotonou Republic of Benin in West Africa with due respect
and regard. I have decided to contact you on a business transaction that will be
very beneficial to both of us at the end of the transaction.
During our investigation and auditing in this bank,my department came across a very
huge sum of money belonging to a deceased person who died in (beirut-bound charter jet)
plane crash on the 25th December 2003 here in cotonou (replublic of benin) and since
his untimely death the funds has been dormant in his account with this Bank without
any claim of the fund in our custody either from his family or relation before our
discovery to this development.
Although personally, I keep this information secret within myself and partners to enable
the whole plans and idea be Profitable and successful during the time of execution. The
said amount was US$24.1M(Twenty Four million One Hundred Thousand united states dollars)
As it may interest you to know, I got your impressive information in my search of a
viable and capable person to help me champion a business of this magnitude without any
problem .Meanwhile all the whole arrangement to put claim over this fund as the bonafide
next of kin to the deceased,get the required approval and transfer this money to a foreign
account has been put in place and directives and needed information will be relayed to
you as soon as you indicate your interest and willingness to assist us and also benefit
yourself to this great business opportunity.
In fact I could have done this deal alone but because of my position in this country
as a civil servant,we are not allowed to operate a foreign account and would eventually
raise an eye brow on my side during the time of transfer because I work in this bank.
This is the actual reason why it will require a second party or fellow who will forward
claims as the next of kin to the Bank and also present a foreign account where he will
need the money to be re-transferred into on his request as it may be after due
verification and clarification by the correspondent branch of the bank where the whole
money will be remitted from to your own designated bank account.
May I at this point emphasize that this transaction is 100% risk free as I have made
arrangements for a successful transfer as an insider of the bank before contacting you.
On smooth conclusion of this transaction, you will be entitled to 30% of the total sum
as gratification, while 10% will be set aside to take care of expenses that may arise
during the time of transfer and also telephone bills, while 60% will be for me and my
Please, be adviced to keep this a top secret as we are still in service and intend
to retire from service after we conclude this deal with you.
I will be monitoring the whole situation here in this bank until you confirm the money
in your account and ask us to come down to your country for subsequent sharing of the
fund according to percentages previously indicated and further investment, either in
your country or any country you advice us to invest in.
All other necessary information will be sent to you on your acceptance to champion
this transaction with me.
I suggest you get back to me as soon as possible on my personal email address and
telephone +229 560 891 stating your wish in this business.
Mr John Allen
+229 560 891
In actuality, this scheme is a 3-layer attempt to scam the victim:
- first, the victim's name, and banking info are to be obtained "to facilitate transfer" of the funds.
- second, once the victim has given their info, a "difficulty arises" requiring the person to advance fees necessary to facilitate the transfer -- hence this is known as [[Advance fee fraud]].
- third, the victim may be lured to the foreign country, often using a counterfeit visa, provided by "a helpful official", however, once in the foreign country, the victim may be kidnaped and held for a ransom paid by family and friends of the victim. the family and friends may also be lured to the foreign country, to pay the ransom, and they may also be kidnapped.
Since the victim has already given their banking info, their bank account may be emptied at any time, once all other potential profit is extracted from the victim.
It is not uncommon for a solicitation to appear to come from a real person, or to refer to actual events, in order to lend the appeal a sense of authenticity, as in this letter from the "former mistress to the son of Saddam Hussein":
this mail will definitely be coming to you as a surprise,
but i must crave your indulgence to introduce myself to you.
I am Miss Marah sadija, former mistress to the son (Qusay)
of the Iraqi former leader, Saddam Hussein.
I am an Ethiopian, by birth and i am presently in a refugee
camp in Zimbabwe, where the living conditions are unbearable.
I do not wish to take your time with a lenghty mail, but i have
to put this proposal to you so that you can assist me.
While i was still in contact with Qusay, he made a deposit in my
name to a security firm in Spain, which has an affiliate branch
This deposit was made in my name and the secret code and necessary
documents are presently in the possession of an attorney, presently
in London. This deposit was made in the form of a consigment and
the content is a considerable amount of money in United state dollars
which i cannot disclose to you for security purposes, until you
have confirmed your willingness to assist me.
I would be pleased and grateful to you if you could assist me in
collecting this consignment on my behalf from the security firm in
Spain, upon which i will be offering you a percentage for your efforts.
The attorney in London, will arrange an authority to release and pay
in your name which you will tender to the security firm coupled with
all necessary documents that will back up your claims in collecting
this consignment on my behalf.
I have to stop here now as your response will determine our subsequent
corresspondence. Please feel free to dis-regard this proposal if it
is not in line with your principles.
PLEASE RESPOND TO email@example.com
Allah bless you,
Apparently, though the living conditions are "unbearable" in the "refuge camp in Zimbabwe" it is still possible to gain access to a computer with an internet connection and send bulk email. These [[confidence trick]]s rely on greed to overcome one's skepticism.
The [[lottery scam]] is another version of this scam.
This article is licensed under the GNU Free Documentation License. It uses material from the Wikipedia article "Emal Fraud".