Ah, a "secured business suggestion"...for that read "scam".

Dear Friend,

I am Mr. Alexander .A. Flockhart Executive Director and Chief Financial Officer of the Hang Seng Bank Ltd.I have a Secured business suggestion for you.

Should you be interested,please send me information below via my private email address: (alexanderflockhart_810hk@yahoo.com.hk)
1. Full names and Age
2. Private phone number
3. Current residential address.

And finally after that I shall provide you with more details on this transaction.

Your earliest response to this letter will be highly appreciated.

Kind Regards,

Mr. Alexander .A. Flockhart.

Ah the good old "Hang Seng Bank" has written to me again.

I have lost track of how many times I have received messages from people purporting to work for them, offering me access to an unclaimed account.

Were these mails to be true, the bank would be positively awash with unclaimed accounts.

Thanks for taking your time to read this e-mail.

My name is Mr. Song Li le I work with the Hang Seng Bank. Although you might be apprehensive about my email as we have not met before,There is the sum of $19,500,000.00 in my bank"Hang Seng Bank", Hong kong.

There were no beneficiaries stated concerning these funds which means no one would ever come forward to claim it.

That is why I ask that we work together so as to have the sum transferred out of my bank into your account. Should you be interested please send me your:-

1. Full names,
2. private phone number,
3. current residential address,
4. occupation

Regards,

Mr. Song Li

The fact that this scam email starts off by talking about a "concealed business suggestion" should alert even the most naive recipient to the fact that this is a scam.

The scammer, for good measure, then offers me a deal involving unclaimed funds allegedly belonging to a dead Iraqi general.

A scam if ever there was one!

Mr. Patrick Chan.
Email: (patriwcchan1954@yahoo.com.hk)

Good Day

I am Mr. Patrick Chan, Executive Director and C.F.O of the Hang Seng Bank Ltd. I have a concealed business suggestion for you. Gen. Samir Abi Rahman who was with the Iraqi forces and also businessman made a fixed deposit for 18 calendar months, with a value of USD$24.5 Million only in my branch.

Several maturities notices was sent to him, before the war which began in 2003. also after the war another notification was sent and no response came from him. We later found out that the General along with his wife and only daughter had been killed during the war in a bomb blast that hit their home.

After more inquiry it was also discovered that this General did not declare any next of kin in his official papers.And he also confided in me the last time he was at my office that no one except me knew of his deposit in my bank. What bothers me most is that according to the laws of my country at the expiration of 6years the funds will revert to the ownership of the Hong Kong Government if nobody applies to claim the funds.

I want you to know that I have everything planned out so that we shall come out successful. There is no risk involved at all in this matter, as we are going adopt a legalized method and the attorney will prepare all the necessary documents. Should you be interested send me the following;Full names, private phone number, current residential address and I prefer you reach me on my private email address below after which I shall provide you with more details on this operation.

Your earliest response to this letter will be appreciated.

Kind Regards,

Mr. Patrick Chan.
Email: (patriwcchan1954@yahoo.com.hk)

This scammer has some delightful turns of phrase:

"an obscured business suggestion"

"I shall not accept or acknowledge any phonically"

However, despite the delightful turns of phrase, he is still a criminal seeking to steal people's money.

MR MING YANG

Hang Seng Bank Ltd

Sai Wan Ho Branch

171 Shaukiwan Road

Hong Kong.



Good Day,



Let me start by introducing myself. I am Mr. Ming Yang, Director of operations of the Hang Seng Bank Ltd, Sai Wan Ho Branch, Hong Kong.I have an obscured business suggestion for you. I am here-by seeking your service in giving a clear research and feasibility studies on areas I could invest on. Your services will be paid for. As a bank employee, I can not operate any personal investment till I am retired and with the Anti-corruption Bill passed in Hong Kong. So i urge you to foward your full names/full address for more acquaintances.



For security purpose, due to telecom interception in Hong Kong, I shall not accept or acknowledge any phonically. Only fax messages/emails would be treated in relation to this proposal but not without this code; [CODE NO: AM-002].I would prefer you to reach me through my confidential email address: below:

mrmingyang_operations@walla.com



Kind Regards

Mr. Ming Yang.

Some advice to the scammer who sent me this.

It is not a "divine wish", as you so inelegantly put it, that I commit fraud.

Those that fall for this scam have only themselves to blame, for being dishonest and greedy.

Dear Sir,

This mail might come to you as a surprise and the temptation to ignoreit as unserious could come into your mind; but please consider it adivine wish and accept it with a deep sense of humility.

I am Mr. Peter Wong director of operations of the Hang Seng Bank Ltd. I have a obscured business suggestion for you. Before the U.S and Iraqi war our client Major Fadi Basem who was withthe Iraqi forces and also business man made a numbered fixed deposit for 18 calendar months, with a value of Twenty Four millions Five HundredThousand United State Dollars only in my branch.

Upon maturity severalnotices was sent to him, even during the war early this year. Againafter the war another notification was sent and still no response came fromhim. We later find out that the Major and his family had been killedduring the war in bomb blast that hit their home.After further investigation it was also discovered that Major FadiBasem did not declare any next of kin in his official papers including thepaper work of his bank deposit.

And he also confided in me the lasttime he was at my office that no one except me knew of his deposit in my bank. So, Twenty Four millions Five Hundred Thousand United StateDollars is still lying in my bank and no one will ever come forward to claimit. What bothers me most is that according to the to the laws of mycountry at the expiration 3 years the funds will revert to the ownership of the Hong Kong Government if nobody applies to claim the funds.Against this backdrop, my suggestion to you is that I will like you asa foreigner to stand as the next of kin to Major Fadi Basem so that youwill be able to receive his funds.

WHAT IS TO BE DONE:I want you to know that I have had everything planned out so that weshall come out successful. I have contacted an attorney that will preparethe necessary document that will back you up as the next of kin toMajor Fadi Basem , all that is required from you at this stage is for youto provide me with your Full Names and Address so that the attorney cancommence his job.

After you have been made the next of kin, theattorney will also fill in for claims on your behalf and secure the necessaryapproval and letter of probate in your favour for the move of the fundsto an account that will be provided by you.There is no risk involved at all in the matter as we are going to adopta legalized method and the attorney will prepare all the necessarydocuments.

Please endeavour to observe utmost discretion in all mattersconcerning this issue.Once the funds have been transferred to your nominated bank account weshall share in the ratio of 60% for me, 40% for you .

Should you beinterested please send me:
NAME:
CONTACT ADDRESS:
PHONE NUMBER :
FAX NUMBER IF ANY:
Reply to: pet_wong1955@yahoo.com.hk
Finally after that I shall provide you with more details of thisoperation.
Kind Regards
Mr.Peter Wong

This arrived in my mailbox today.

It is a scam but, I suspect, a slightly different one.

There is a faint possibility that the money does exist.

In that unlikely event, then you can be 100% sure that the money being transferred comes from drugs or other nefarious activities.

As such, were you stupid enough to fall for this, you would be guilty of money laundering and face a heavy jail sentence.

In other words don't be stupid and respond.

Dear Executive,

I am Mr.Ginq Cheng. I represent Mr.Ho Siu-hoi,the former C.E.O and
director-cum-shareholder of Au Kiang International Company Limited (Au Kiang)
and Dero Enterprise Limited (Dero) in Hong Kong. I have a very sensitive and
confidential brief from this top (executive) to ask for your partnership in
re-profiling funds over $250 Million US dollars.I will give the details, but in
summary, the funds are coming via Hang Seng Bank.The bank official website is :
www.hangseng.com. This is a legitimate transaction. You will be paid 10% for
your "management fees.

Also,furnish me with your confidential telephone number,fax number and private
email address and and I will provide further details and
instructions. Please keep this confidential; we cannot afford more political
problems/scandals. Finally, please note that this must be concluded within two
weeks. Please write back promptly.I will also suggest you visit this news site
on the internet to be better informed about this project.

http://www.webb-site.com/articles/0011.htm

Write me back.I look forward to it.

Sincerely,

MR.GINQ CHENG
INVESTMENT MANAGERS LIMITED
50/D UNITED CENTER,
95 QUEENSWAY,
HONG KONG.

This scammer asks if I can be sincere; I can, but he is not.

He claims to have $20M, laying unclaimed in the Hong Kong bank account of a dead Iraqi general.

He wants me to claim to be the general's next of kin, ie commit fraud, and transfer the money to my account.

We then split it 70/30.

As usual with these scammers. He claims that there is no risk.

The reality is that there is no money, committing fraud is illegal and any greedy fool who fell for this would end up losing a lot of money.

Use your brains and avoid this like the plague.

CAN YOU BE SINCERE

HANG SENG BANK LTD.
DES VOEUX RD. BRANCH,
CENTRAL HONG KONG,
HONG KONG.

Dear Sir,

Let me start by introducing myself. I am Mr.Wang Qin credit officer of the Hang Seng Bank Ltd.I have a concealed business suggestion for you.Before the U.S and Iraqi war our client General. Ibrahim Moussa who was with the Iraqi forces and also business man made a numbered fixed
deposit for 18 calendar months, with a value of Twenty millions Five Hundred Thousand United State Dollars only in my branch. Upon maturity several notice was sent to him, even during the war early this year. Again after the war another notification was sent and still no response came from him. We later find out that the General and his family had been killed during the war in bomb blast that hit their home.After further investigation it was also discovered that Gen.Ibrahim Moussa did not declare any next of kin in his official papers including the paper work of his bank deposit. And he also confided in me the last time he was at my office that no one except me knew of his deposit in my bank.So!,Twenty millions Five Hundred Thousand United
State Dollars is still lying in my bank and no one will ever come forward to claim it. What bothers me most is that according to the to the laws of my country at the expiration 4years the funds will revert to the ownership of the Hong Kong Government if nobody applies to claim the funds.Against this backdrop, my suggestion to you is that I will like youas a foreigner to stand as the next of kin to Gen. Ibrahim Moussa so that you will be able to receive his funds.

WHAT IS TO BE DONE:

I want you to know that I have had everything planned out so that we shall come out successful.I have contacted an attorney that will prepare the necessary document that will back you up as the next of kin to Gen. Ibrahim Moussa, all that is required from you at this stage is for you to provide me with your Full Names and Address so that the attorney can commence his job. After you have been made the next of kin, the attorney will also fill in for claims on your behalf and secure the necessary approval and letter of probate in your favor for the move of the funds to an account that will be provided by you.There is no risk involved at all in the matter as weare going adopt alegalized method and the attorney will prepare all the necessary documents.Please endeavor to observe utmost discretion in all matters concerning this issue.Once the funds have been transferred to your nominated bankaccount we shall share in the ratio of 70% for me, 25% for you and 5% for anyexpenses incurr
ed during the course of this operation. Should you be interested please send me your private phone and fax numbers for easy communication and I will provide you with more details of this operation.Your earliest response to this letter will be
appreciated.

Kind Regards,
Mr. Wang Qin

These scam letters now purport to come from anywhere other than Nigeria.

This one, which I got htree times yesterday, claims to come from Hong Kong.

The writer says that he has access to $28M, being the bank account of a dead oil consultant.

The writer offers to share 20% of the account, if I put myself forward as the next of kin of the dead man; ie he wants me to commit a fraud.

These letters used to pretend to offer the chance to help someone out of a bad situation; now they just offer the recipient the chance to steal someone else's money.

I have not that much sympathy for people who are stupid enough to fall for the "bleeding heart" letters, as their deisre to "help" is in fact motivated by greed and stupidity.

However, I have nothing but contmept for those people who fall for "steal a dead man's bank account" letters.

At the end of the day, if these spurious bank accounts existed (and they don't), those that fall for this scam are knowingly stealing (or at least think they are) someone else's money.

In my opinion, You deserve evrything you get.

MR.WANG QIN
HANG SENG BANK LTD.
DES VOEUX RD.BRANCH
CENTRAL HONG KONG
HONG KONG.
24/3/2003

ATTENTION:

I am Mr.Wang Qin, credit officer of Hang Seng Bank Ltd,
sorry if my English may not be well composed but I have a confidential
business proposition for you.
I honestly apologize and hope I do not cause you much embarrassment by
contacting youthrough this means for a transaction of this magnitude,but this is
due
to confidentiality and prompt access reposed on this medium.Furthermore,due to
this i
ssue on my hands now,it became necesary for me to seek your assistance, and it
is
imperative for me to know your opinion.

On June 6,1998, a British Oil consultant/contractor with the Chinese
Solid Minerals Corporation, Mr.Smith Lawrence made a numbered time (Fixed)
Deposit for twelve calendar months, valued at US 28,000,000.00 (Twenty-eight
Million
Dollars only) in my branch.
Upon maturity,I sent a routine notification to his forwarding address but
got no reply. After a month, we sent a reminder and finally we discovered from
his
contract employers, the Hong Kong Solid Minerals Corporation that Mr. Smith
Lawrence
died from an automobile accident. On further investigation, I found out that he
died
without making a WILL, and all attempts to trace his next of kin was fruitless.

I therefore made further investigation and discovered that Mr.Smith Lawrence
did not declare any kin or relations in all his official documents, including
his
Bank Deposit paperwork in my Bank. This sum of US28,000,000.00 is still sitting
in my
Bank and the interest is being rolled over with the principal sum at the end of
each
year.No one will ever come forward to claim it. According to Laws of Hong Kong,
at the expiration of 5(five) years,the money will revert to the ownership of the
Hong
Kong Government if nobody applies to claim the fund.

Consequently, my proposal is that I will like you as a foreigner to stand in
as the next of kin to Mr. Smith Lawrence so that the fruits of this old man's
labor
will not get into the hands of some corrupt government officials.This is simple,
I
will like you to provide immediately your full names and address so that the
attorney will prepare the necessary documents and affidavits that will put you
in pla
ce as the next of kin.We shall employ the services of an attorney for drafting
and
notarization of the WILL
and to obtain the necessary documents and letter of probate/administration
in your favor for the transfer. A bank account either a new one or existng one
in any
part of the world that you will provide will then facilitate the transfer of
this mon
ey to you as
the beneficiary/next of kin. The money will be pai
d into your account for us to share in the ratio of 78% for me and 20% for
you and 2%for any expenses Incurred in the course of the transaction.

There is no risk at all as all the paperwork for this transaction will be
done by the attorney and with my position as the credit officer guarantees the
successful execution of this transaction.If you are interested,please reply
immediate
ly.You may reply to my email box,

Upon your response, I shall then provide you with more details and relevant
documents that will help you understand the transaction.

Please send me your confidential telephone and fax numbers for easy
communication. You should observe utmost confidentiality, and rest assured
that this transaction would be most profitable for both of us because I shall
require
your assistance to
invest my share in your country.

Awaiting your reply.

Thanks and regards.

Mr.Wang Qin.