Reports of frauds, deceptions and scams keep appearing, weekly even daily, on
major news channels and newspapers. Some of these frauds seem just too big and remote to be of immediate, direct relevance to our daily lives. But, we will eventually pay for the consequences and damages, in taxes, costs of goods and services, regulations, copy-cats etc.

I hope we can collect, in one thread, frauds and scams, reported or heard. We must become more aware and more educated to guard against frauds and scams
which impact upon the health, well being, and wealth of ourselves and our families.

In the post 446, what does the abreviation CON stand for?

Once towards the end of working life I employed my wife as my secretary. After a month or two my office and place of work became so efficient that I realised I was redundant and retired.

TP

Sorry. My e-mail thingy is now live.

Exec,

I'll send you something tomorrow.

TP

From http://www.dailymail.co.uk

Husband and wife MPs claim expenses to dodge death tax
Another Tory scandal as MPs Nicholas and Ann Winterton claim 30,000-a-year rent on home they bought outright in 2002

By SIMON WALTERS, GLEN OWEN, DENNIS RICE, BRENDAN CARLIN and JASON LEWIS
Last updated at 23:07pm on 2nd February 2008

A husband-and-wife MP couple have claimed 165,000 in Commons expenses for their 700,000 second home six years after they paid off their mortgage.
Tory politicians Sir Nicholas and Ann Winterton switched their fashionable London apartment to a family trust and used their parliamentary allowances to avoid death duty.

Using a loophole in Commons rules, they claim more than 30,000 a year in "rent" from the public purse, which is paid to a family trust set up for their two children.



Re: Picture above - Honour: Sir Nicholas Winterton collects his knighthood in 2002, accompanied by wife and fellow MP Lady Ann

The extraordinary arrangement has allowed them to benefit in two ways.

Their family has obtained 165,826 in "rent" for a home which they bought outright in 2002. And they stand to make a saving of up to 280,000 in their death-duty liability.

Sir Nicholas yesterday insisted he had done nothing wrong and that the "rent" payment and the family trust deal had been approved by the Commons authorities.

However, he said it was drawn up before checks on handouts for MPs' second homes were tightened up and would probably not be allowed if it had been put forward now.

He said: "I am not dishonest. We don't own the flat, because once it is handed over, it becomes the property of the beneficiaries of the trust [his children].

"I see nothing unethical or wrong in it. It was agreed by the Commons Fees office I happen to rent a property that I bought outright."

Sir Nicholas explained that the couple paid off their mortgage on their apartment in Rowan House, Greycoat Street, Westminster, in 2002 with the proceeds of a legacy and an insurance savings policy.

The latest disclosures about MPs' expenses come only days after Conservative MP Derek Conway was forced to step down for employing his sons as paid Commons aides while they were full-time students.

The revelations concerning the Wintertons are bound to provoke a wider debate about inheritance tax, as well as MPs' expenses.

The Conservatives' vote-winning pledge last October to raise the death-duty threshold to 1million forced Gordon Brown to call off a snap autumn Election.

As a result, the Prime Minister changed the existing threshold of 300,000 per person to 600,000 per couple.

Tax laws make it virtually impossible for most people to avoid death duty on their home which is usually their biggest asset.

To do so, if they carry on living in the home, they must transfer ownership to their children and pay a full market rent.

For couples of retirement age and with little income and certainly no expenses it is generally unaffordable.

That means their children can be saddled with a 40 per cent tax bill on the property when their parents die.

However, the Wintertons, who are both in their 60s, were able to use their Commons Additional Costs Allowance (ACA) to reduce the inheritance tax on their London home to nil.

The arrangement is designed to remove the house completely from their estate for death-duty purposes.

Based on its estimated value of 700,000, the Wintertons' grown-up children, Sarah and Andrew, could save as much as 280,000 in inheritance tax.

Macclesfield MP Sir Nicholas and his wife, MP for Congleton, also own a 600,000 farmhouse in Cheshire, appropriately named Whitehall Farm, which has separate stables and borders their neighbouring constituencies.

Tax expert Maurice Fitzpatrick, of accountants Grant Thornton, said: "It is very difficult for a typical homeowner to hand their property on to their children free of inheritance tax because of the restrictive way in which death duty legislation works.

"I'm sure that many people would wish to be able to do so, but generally the inheritance-tax rules prevent them from doing so."

The Commons second-home allowance was originally designed to allow MPs to have bases in their constituency and also close to Parliament.

But strict rules to avoid the ACA being abused say: "You must avoid any arrangement which may give rise to an accusation that you are, or someone close to you is, obtaining an immediate benefit or subsidy from public funds.

"The ACA must not be used to meet the costs of a mortgage or for leasing accommodation from: yourself; a close business associate or any organisation or company in which you or a partner or family member have an interest."

MPs have to submit mortgage or rent bills to claim the money. The Wintertons would have been unable to do this when they paid off the mortgage on their Westminster home in February 2002.

They would have been restricted to claiming a modest sum to cover utility and other bills.

But they claim that by giving the home to a trust, they are no longer the owners and must pay a market rent to the trust, regardless of the fact that they are two of the three trustees.

The third trustee is Hugh Carslake, a lawyer who specialises in tax planning, trusts and estate planning for Martineau Johnson law firm of London and Birmingham.

Last night, Sir Nicholas, 69, said: "My arrangements are entirely in accordance with the rules of the House.

"It is very simple. I pay rent to the trust. I am entitled to claim for the costs of living in London."

He admitted the couple had spent some of the cash from the trust on kitchen and other repairs.

Land Registry documents dated August 1991 show that the couple owned the London home and had a 195,000 mortgage with the Cheshire Building Society.

They were paying 2,381 a month to service it.

Another Land Registry document, dated February 2002, shows that the property was transferred from the Wintertons to the trust for no money.

When The Mail on Sunday first approached Sir Nicholas as he emerged from his London home yesterday, he ran off to avoid answering questions.

Refusing to break stride, he said: "It's very simple, I pay rent on the property."

Asked to whom he was paying that rent, he replied: "To the trust. I am entitled to claim for the costs of living in London.'

Asked later in the day in his constituency if he had spent any of the money since the trust was set up in 2002, he said: "Yes, we have to meet the cost of council tax, utilities, new carpets and suchlike.

"The trust money can be spent on structural repairs to the flat much like any landlord.

"The rent for the flat was set by an independent surveyor estate agent.

"It is the same that is paid by anyone else in the block.

"If we didn't live in that flat, we would be entitled to claim rent on somewhere else in London.

"We do not claim anything for our place here [in Cheshire], you know.

"What we are claiming in London is what we are entitled to.'

He added: "A lot of people claim more I am in the bottom 40 of MPs who claim."

Asked who were the end beneficiaries of the trust, Sir Nicholas replied: "That is private."

Asked "Is it your children or is it you?", he said: "It is not ourselves. That is all I am prepared to say."

He claimed other MPs with second homes in London had made similar arrangements.

The third trustee of the couple's London flat, Hugh Carslake, confirmed that Sir Nicholas and Lady Winterton owned the property outright when they transferred it to the trust in 2002 after paying off their mortgage.

He maintained that the flat was now owned by the trust, not the Wintertons, which is why they paid rent to the trust.

When it was pointed out that the Wintertons were two of the three trustees (with Mr Carslake the third), he said: '"It is perfectly straightforward. They no longer own the house.

"If you own a property, there is nothing to stop you giving it away.

"They transferred it to a trust of which they are not the beneficiaries."

He refused to say who the beneficiaries were.

Mr Carslake added that the main purpose of setting up the trust was to enable the Wintertons to reduce their inheritance-tax liability so that they could hand over a bigger share of their wealth to their children.

When asked if the Wintertons had spent any of the trust money, Mr Carslake said that as far as he knew, they had not.

Both the Commons authorities and the Conservative Party declined to comment.

From http://www.dailymail.co.uk

Second Tory MP caught in Commons staffing row after employing daughter, ex-wife and ex-lover's girl
By GLEN OWEN
Last updated at 23:00pm on 2nd February 2008

A second Tory MP was dragged into the row over Commons staff last night for employing his lover's daughter when she was still a sixth-form pupil.

Ashleigh Sharp has been Bob Spink's parliamentary assistant since 2006, when she was just 17 and enrolled at a sixth-form college in Benfleet, Essex.

Miss Sharp, the daughter of Mr Spink's former partner, Gail Boland, is now paid more than 5,000 a year by the MP despite also being a student at Buckingham University.



Re: Picture above - 'Excellent value': Bob Spink (left) assures taxpayers their money was well spent in giving Ashleigh Sharp (right) a part-time job

Mr Spink's taxpayer-funded payroll also includes his ex-wife, Janet, whom he divorced in 2002 and who now carries out her duties from Dorset, and his daughter, Charlotte.

The Mail on Sunday has established that Miss Sharp received 1,218 from the Commons authorities in January 2006, when she was 17 years and four months old, a further 936 in March that year and then 750 in July.

Miss Sharp was appointed while Mr Spink's relationship with Ms Boland, a Tory councillor, was ongoing, but the pair have now split up.

Last night, Miss Sharp confirmed she had worked two-and-a-half days a week in Mr Spink's Commons office when she was 17, adding: "At the moment, I'm doing weekends, Wednesdays, Thursdays and Fridays, so that's five days a week a working week."

She refused to answer further questions about how she juggled her work and studies.

Mr Spink, the MP for Castle Point in Essex, said: "The public have got excellent value for money from all my staff, including Ashleigh.

"She is no relation but her mother and I became close friends some time after my split from my wife.

"She is at university for two half-days a week. She attends to constituency work while I am at Westminster and does work at my Westminster office when necessary.

"She works on average for two days a week more during vacations and less during term time, which is reflected in her varying monthly pay. She has never worked full-time.

"Her total pay for 2007/08 is 5,500, equivalent to an annual salary of 15,000 [had she been full-time]."

Mr Spink said he had ensured that all his staffing arrangements were legitimate and said he would campaign for more transparency over MPs' allowances.

He said he continued to employ his ex-wife, despite her move to the West Country, because she was a "professionally qualified secretary and PA".

"I got specific clearance from the Fees Office for her continued employment, in Dorset. This arrangement is widely known in my constituency," he added.

He also employs his daughter, Charlotte, on a casual basis and paid her 4,400 in the past financial year.

Hussar Sir Nicholas Winterton, staunch defender of the trough
By BRENDAN CARLIN
Last updated at 01:09am on 3rd February 2008

Sir Nicholas has loudly defended MPs' expenses

When it comes to standing up for MPs' allowances, the Tory squire and ex-Hussars officer Sir Nicholas Winterton is fond of going into battle.

Four years ago, he condemned attempts to prune MPs' benefits as "grotesquely unfair".

At the time, many of his colleagues were embarrassed by mileage rates as high as 57.7p, but the Macclesfield MP vainly voted to preserve them.

Knighted in 2002 for his services to Parliament, he also manned the barricades over the fight to prevent MPs' correspondence being subject to Freedom of Information requests.

Now approaching his 70th birthday, Sir Nicholas is one half of a husband-and-wife duo in the Commons.

They are much mocked by Labour, not least for the politically incorrect sense of humour of Lady Winterton, as she is entitled to be known.

In 2002, Ann Winterton was sacked as Tory farming spokesman for telling a joke that involved an Englishman throwing a Pakistani out of a train.

Two years later, she was sacked again this time from the Tory Party at Westminster itself for a joke referring to the Chinese cockle-pickers who drowned in Morecambe Bay.

She was reinstated by Michael Howard, the then Tory leader, after saying she "deeply regretted" the remark.

Famously, at the time of the 2002 row, Sir Nicholas gallantly defended her, insisting she was not a racist and telling reporters: "Would you condemn your wife? I will not condemn my wife."

The couple, who married in 1960, have two sons, a daughter and seven grandchildren.

Sir Nicholas was privately educated at Rugby School before doing National Service in Germany with the 14th/20th King's Hussars, where he was a Second Lieutenant.

Before entering the Commons in a by-election in Macclesfield in 1971, he worked as a trainee sales executive for Shell-Mex and BP, and then as a general manager for a construction company.

He is a keen all-round sportsman and an honorary vice-president of the Royal College of Midwives.

Now one of the longest-serving MPs, Sir Nicholas has never risen to a frontbench role but has carved out a classic backbench career, becoming a vice-chairman of the Tories' 1922 Committee.

As befits an old-school Conservative, Sir Nicholas who backed David Davis in the 2005 party leadership contest appeared dismayed at the prospect of being led by David Cameron.

After Tory MPs voted heavily in favour of Mr Cameron, Sir Nicholas emerged from the secret ballot to declare: "If I had known what I think is going to happen now, I would have bloody well stood myself and the party would have known what it was going to get."

According to The Sunday Telegraph, Muslim men who have married more than 1 women can now, as long as the marriages took place in a legal Muslim ceremony IE not in the UK, claim all available benefit entitlements for all their wives. This was not announced by this government due to a possible backlash.
I wonder how long it will be before a Muslim takes this government to a court claiming that to restrict them to only take 1 wife in this country contravenes their human rights.
No wonder more and more of us are feeling like second class citizens in our own country.
I suppose we can at least be grateful that Derek Conway is not a Muslim.

I get at least 1 email each day purporting to come from my internet bank, asking me to log in to confirm my details............. yes, this is really old stuff now: the latest makes me smile (sort of) it claims to be from Nationwide and wants me to confirm or reject the transfer of 499.90 made to my account today. I wonder how many will fall for this, now that there is a monetary value attached?! And, no I did'nt!

I've just won 500,000 UKP. I'll post the e:mail, but foregive me for blanking out the magic numbers to prove who I am. Oddly the phone numbers on the e:mail don't seem to work. Does anyone think this may not be totally above board?

Date: Wed, 5 Mar 2008 5:08:29 -0800
From: UK NATIONAL LOTTERY PROMOTION 2008 "roblesinchrist @adelphia.net"
Reply-To: tntdelivery03@gmail.com
Subject: ORDER NUMBER:*************
To: undisclosed-recipients:;

ATTENTION: WINNER,

We happily announce to you thet the British National lottery online program that was held on the 1st March 2008. You have been
approved to claim a sum of £500,000.00 of cash credited to file *************

Note that you have been officially cleared as a winner of £500,000 GBP in the UK NATIONAL LOTTERY online Sweepstakes
International program. I am happy to inform you that i have forwarded your Original Certificate of your mode of prize collection to the
courier company for delivery or transferred of your fund.Find below the details of the courier company.

CONTACT: TNT COURIER SERVICE (DISPATCH OFFICER) FOR YOUR WINNING DELIVERY
ADDRESS OF HEAD OFFICE:Link House,
1C CHURCH STREET,
WHITCHURCH, HANTS,RG28 7AD ENGLAND.
NAME:MR PERRY DOUGLAS (DISPATCH OFFICER)
Tel+447024098607 + 447011137751
Fax:+448700686412/ +448700686605
Email:tntdeliverydept03@gmail.com

You are adviced to send the courier company an mail to their email address for their courier cost of delivery.When contacting them,you
are to include this order number as your subject.Please you are advised to write down the order number and save it.

ORDER NUMBER:***********
DRAW NO____
FULL NAMES______________________
FULL CONTACT ADDRESS__________________________________
ZIPCODE___________________________
SEX_____________
DATE OF BIRTH _______________________
POSTAL CODE ___________________________
COMPANY NAME ____________________________
TEL______________________
FAX ___________________
COUNTRY ______________________
INDICATE PREFERRED MODE OF PRIZE COLLECTION:
(A) CHEQUE...........
(B) DRAFT............
(C) TELEGRAPHIC TRANSFER..........
IF BY TELEGRAPHIC TRANSFER
(Details of the account where you want your funds
transferred):
________________________________

Congratulations once again,

Mr. Tom White
Claims Department
The UKNL Foundation
Sweepstakes International Program.
Open 7 days 7am-8pm.
Email:fiduciaryagent.uknl@gmail.com


Oh me of a suspicious nature!

TP

MPs' 10,000 kitchens on expenses

MPs claimed nearly 11.5m in additional costs allowances last year

MPs are allowed to claim expenses of up to 10,000 for a new kitchen, 2,000 for furniture and 750 for a TV or stereo for their second homes.

Other claims allowable include 6,335 for a new bathroom, 299.99 for air conditioning units, 300 per rug, 50 for a shredder and 1,000 for a bed.

The figures are in the so-called "John Lewis list" used by Commons officials to list maximum amounts for items.

Stand by for some headlines......

Here is Parliament's Additional Costs Claims Guide - known as the "John Lewis List" - in full. It is used by House of Commons officials to determine whether an expenditure claim submitted by an MP is reasonable. MPs can claim items up to 23,000 per year.

Air conditioning unit - 299.99

Bed - 1,000.00

Bedside cabinet - 100.00

Bookcase/shelf - 200.00

Bookcase/cabinet - 500.00

Carpet - 35.00 per square metre

Carpet fitting - 6.50 per square metre

Coffee maker/machine - 100.00

Coffee table - 250.00

Dining armchairs (each) - 150.00

Dining chairs (each) - 90.00

Dining table - 600.00

Dishwasher - 375.00

Drawer chest (five) - 500.00

Dressing table - 500.00

Dry cleaning - both personal and household [items] are allowable within reasonable limits

Food mixer - 200.00

Freestanding mirror - 300.00

Fridge/freezer combi - 550.00

Gas cooker - 650.00

Hi-fi/stereo - 750.00

Installation of new bathroom - 6,335.00

Installation of new kitchen - 10,000.00

Lamp table - 200.00

Nest of tables - 200.00

Recordable DVD - 270.00

Rugs (each) - 300.00

Shredder - 50.00

Sideboard - 795.00

Suite of furniture - 2,000.00

Television set - 750.00

Tumble dryer - 250.00

Underlay (basic) - 6.99 per square metre

Wardrobe - 700.00

Washer dryer - 500.00

Washing machine - 350.00

Wooden flooring/carpets - 35.00 per square metre

Workstation - 150.00


Personal items not allowed - for example: hairdryers or hairstylers, shavers, toothbrushes, toiletries and bathrobes.

Any form of payment protection or illness cover is not claimable from ACA in relation to mortgage payments.

In order for a member to claim the mortgage interest against his ACA home, his/her name must appear on the mortgage.

Garden furniture such as patio sets, loungers and barbecues are not allowed.

Basic garden maintenance is allowed, but plants, shrubs, flowers, hanging baskets or other decorations etc are not.

The publisher.

I wonder if there is a clue in the email address?

NAME:MR PERRY DOUGLAS (DISPATCH OFFICER)
Tel+447024098607 + 447011137751
Fax:+448700686412/ +448700686605
Email:tntdeliverydept03@gmail.com


BTW what did you spend your winnings on?

Andy,

Just got back from hols.

Another winning. Interesting that the office address this time is only less than a mile from my home. Will take a stroll along there to see what it looks like.

Oh the previous winnings? All gone on slow horses and fast wimmen!

So much fun.

TP

A scam?

I think so. Yet another MP trying to get away with it. This time it's Road Tax and Insurance and the Law.

From http://www.guardian.co.uk/politics/2008/apr/16/conservatives.ukcrime

Soames quad bike case
April 16 2008.

The case against Conservative MP Nicholas Soames, who was due to face a court today over allegations that he gave three children a quad bike ride on a public road, has been adjourned.

The MP for Mid Sussex was summonsed to appear before Crawley magistrates today, but the case was adjourned to May 14 at the request of the defence folowing a phone call to the court this morning, court officers said.

Soames, 60, was summonsed after footage shot by hunt monitors appeared to show him riding a quad bike on a public road with a small child perched behind him and towing two others in a trailer as they followed a new year's day hunt in Slaugham, West Sussex.

It is claimed the youngsters were not wearing crash helmets and were not strapped in.

Soames faced allegations relating to insurance and safety, under Section 40a of the Road Traffic Act, said a spokeswoman for the Crown Prosecution Service.

Stills from the film were printed in the Daily Mirror on January 3, shortly after seven-year-old Elizabeth Cooke died in an accident on Boxing Day while riding a quad bike on a public road in Blackmore, Essex.

Soames, a grandson of Sir Winston Churchill, told the paper at the time he did not accept he had put the children at risk.

Soames was armed forces minister from 1994 to 1997. He has represented Mid Sussex since 1997 and was previously MP for Crawley.

Here's another story about how we silly tax payers are made to mindlessly pick up the tab from those cheeky employees at HMRC, who can claim expenses without a valid or proper expenditure receipt to support their claim.

Not for much longer though, I feel. There is almost a 'war' going on about this kind of scam. Thank goodness for the 'Freedom of Information Act'. Anyone who has ever been challenged by the Revenue or HM Customs about a 10 expenses claim and told 'It is not a valid expense and so has to be disallowed' will love to read this.

From http://www.telegraph.co.uk/....

HMRC is accused of double standards over staff expenses
By Roland Gribben
Last Updated: 10:24pm BST 15/04/2008

HM Revenue & Customs has been accused of "double standards" after the disclosure that its 83,000 staff do not have to submit receipts to cover claims ranging from meals to hotel accommodation and travel and are entitled to expenses without forking out any money.

They can claim 100 for an overnight stay in London and 20 for an evening meal while working out of their office without handing in receipts.

When out of their offices for more than five hours, they are entitled to a 6.50 meal allowance and a two-meal allowance of 14 when away for more than 10 hours.

Night work or sleeping in offices on call or standby after a day's work is worth 7.60 a night while sleeping in the office after working late provides 10.90 a night.

Drivers can claim 5p a mile for each passenger they carry while passengers themselves are entitled to a similar 5p allowance even if they do not pay anything for the privilege.

Staff can also choose to stay with friends or relatives rather than at a hotel when working away and can claim 25.

The full extent of the receipts waiver was disclosed by HMRC to UHY Hacker Young after the accountants used the Freedom of Information Act to discover details of the expenses regime.

The receipts dispensation has parallels with the benefits enjoyed by MPs until the recent clampdown, although the 10 HMRC receipt-free maximum is well below the 200 previously available to MPs.

Clive Gawthorpe, a UHY Hacker Young partner, contrasted the "generous" policy with the way HMRC handled expenses claims from individuals or companies.

He said: "Accountants who frequently face challenges over expenses for as little as 10 will find it ironic that HMRC runs such a liberal 'no questions asked' system for its own employees."

He also claimed that HMRC was urging its employees not to publicise rates and allowances.

HMRC denied any double standards and said staff were required to keep receipts for all claimed expenditure over 10. Staff only stayed in hotels when there was an unavoidable business need and the cheapest option was always taken.

HMRC said in a statement: "When staff lodge with friends or relatives they will still incur minor costs and it is only right that these are met when the officer is carrying out official duties."

If a few hundred MPs can knock up a bill of
millions per year, whats the cost for 83,000.
Yes, about 83,000.
mac

Have just received a letter from 'La Primitiva' in Spain congratulating me on winning a portion of 4m in a lottery draw (for which I hastily add, I did not enter).
I won't bother going in to details as it looks to be very similar to the one posted above (#464). Interestingly they say that I can claim the money by filling in the enclosed form, which naturally needs my bank details amongst many others, but also, slightly more ominously, they need my 'Next of kin' details! Am tempted to fill it in with incorrect information, just to let them know that they have been rumbled.
But, the question I have is, does anyone know if there is an organisation monitoring these scams? Rather than shred the docs, it would seem better to do something to stop them.

Smile users.


Received a card reader within the last 10 days.

Just received E-mail Scam asking me to view statements on line.

Check out any E-mails carefully from Smile for a while.

Greetings!

First I must apologize for disturbing you at this hour. As you may have read or heard from any international News regarding the political unrest in my country Libya, I shouldnt have done this but due to the circumstances surrounding me I decided to do this. I am sorry for my poor English, I am not fluent in English speaking but I just gained admission into the university to read English and International Relation. I am from Libya and my name is Aisha Hosni, I am 20years of age, I am the daughter of Dr. Ibrahim Hosni. My father was the director of the oil and Gas refinery in Tripoli - Libya. My father has been the Director of the Tripoli Oil and Gas refinery in Libya for the past few years but he resigned from office because of the Anti Government and Pro Government Protest in Libya which occurred recently and his resignation led to his death. My father died because he resigned following the Libyan people's protest that President Muammar Gaddafi must step down from his 42years in office.

I was in my School on the 20th of February 2011 and I got this sad news that my entire family have been sluttered [Killed] living only me alive because of my absence in the house at that particular hour when the killing took place. Reports said that some group of assassins came to our house and performed the killings with no traces till date. When I heard this sad news, I managed to escape from my school with the help of an elderly woman who smuggled me in a chattered flight that was sent to rescue Ghanaians working in Libya. I left my country because I could be the next target since my family has been sluttered by unknown men which everybody suspects must be the handwork of defiant President Muammar Gaddafi. I am presently in Republic of Ghana seeking asylum in one of their refugee camps.

Since my few weeks here in Ghana in the refugee camp, I have suffered lots and have contracted some airborne diseases because of lack of amenities. Because of this unhealthy environment and the need for your assistance to relocate me to your country, I have decided to confide in you to let you know this huge secret. When my father was alive and when I was 18years of age, my father made a fund deposit of US$8.5 Million (Eight Million, Five Hundred Thousand United States Dollars Only) with a Security and Finance Institution in oversea country Two Years Ago (one of the European country) which I will tell you when I receive your note of interest to help me. This fund deposit was made in my name as the beneficiary to the fund. Because of the problems going on in my country Libya now, everybody is scared living in Libya. People are dying everyday and houses are being destroyed so everybody is trying to find a way to go out of the country.

I will not say much for now because we do not know each other and there is no trust between us at the moment. If you can assure me the following; (1) Trust and Confidentiality. (2) Maturity of mind. (3) Ability to stand claim of the $8.5 million US Dollar on my behalf. (4) Ability to handle the fund, Invest and secure my relocation to your country. (5) Ability to keep deep secret of trust, I will welcome you with my heart. My father reserved copies of all the documents concerning this deposit to my reach and has promised that this money is not illegal money therefore you should not entertain any fear at all in helping me. In accordance to this, I have accepted to compensate you with 20% of the total sum after you have successfully claim the deposit and also you will assist me to manage the money in a good business and secure my visa to your country. I will stay under you as your child and you will be my guardian for the rest of my life since I have no other parent to call mine. I will not write much for now

Thank for reading my message and your kind understanding while waiting for your favorable response to; (aisha.hosni@hotmail.com)

Yours sincerely

Miss Aisha Hosni

Confidential Respond

Good day!

I am Mr.Davi director auditing and accounting department" bank of Africa (boa) Ouagadougou, Burkina Faso .I discovered the sum of seven million, two hundred thousand dollars (usd7.2) belonging to a deceased customer of this bank the fund has been lying in a suspense account without anybody coming to put claim over the money since the account owner late, Mr Salla khat from Lebanese who was involved in the December 28th 2006 Benin car crash.

it is therefore, upon this discovery that i decided to take this ultimatum and make this business proposal to you as the fund will be release to you as the next of kin or relation to the deceased for safety and subsequent disbursement since nobody is coming for it and i don't want this money to go into the bank treasury as unclaimed bill the banking rules here stipulates that if such money remained unclaimed after five years, the money will be transferred into the bank treasury as unclaimed fund. The request of foreigner as next of kin in this business is occasioned by the fact that the deceased customer was a foreigner and a Burkina be cannot stand as next of kin to a foreigner.

Therefore, I am soliciting for your assistance to come forward as the next of kin. I have agreed that 40% of this money will be for you as the beneficiary respect of the provision of your account and service rendered, 60% will be for me. Then immediately the money transferred to your account from this bank, I will proceed to your country for the sharing of the fund.again you can call me through my telephone number +226 75376152. for more information.

Yours faithful,


Mr Davi


Just phoned the guy up and he does seem to be the real deal,gave him all the details that he wanted and see how we go.Dont think it will be long before the money is transfered into my account.



:o)