THE TALE OF PENNY WISE

An wry and reflective piece from a Kindly Contributor in Canada about an e-encounter with the Lad who's been posing as the head of private banking at Barclay's London.

...Presently I am in credit to Air Canada for two tickets which I can probably still use. Only other money I am out is for phone calls. I wish I had seen your website before I got involved. Luckily I am not greedy or I would have lost $25,000 Cnd. Congrats on a wonderful site. I'm spreading the word.
Yours - (a 73 year old grandmother.)


[The Lad used the name of a real official at Barclay's which we've altered, while leaving his e-mail address intact in case anyone else finds his offer attractive. The Lads frequently take names in vain.]


FIRST CONTACT

From: Penny Wise

Date: 08 Jul 2003, 10:08:59 PM

The first contact I received was the following email which seemed strange as I would have thought a business would have a private address not lycos. In my story, which is perfectly true, I am 'Penny Wise' and lucky not to be 'Pound Foolish'!


STEVEN COLE

Date: Mon, 14 Apr 2003 07:32:57
From:Steven Cole [stcoIe@1ycos~co.uk]
To Penny Wise
Subject: Investigation: Barclays Private Banking

My name is Steven Cole.
I am a senior partner in De Rosenberg Consulting. U.K. We have been engaged by Barclays private banking London to carry out a search. We are conducting a standard process investigation involving a client who shares a similar name with you and also the circumstances surrounding investments made by this client at Barclays bank. The Barclays Private Banking client died in testate and nominated no next of kin to inherit the title over the investments made with Barclays bank. The essence of this communication with you is to request you provide us information on three issues:
1-Are you aware of any relative/relation who shares your same name whose last known contact address was Brussels Belgium?
2-Are you aware of any investment of considerable value made by such a person at the
Private Banking Division of Barclays Bank PLC?
3-can you establish beyond reasonable doubt your eligibility to assume status of next of kin
to the deceased? It is pertinent that you inform us ASAP whether or not you are familiar with this personality that we may put an end to this communication with you and our inquiries surrounding this personality. you must appreciate that we are constrained from providing you with more detailed information at this point. Please respond to this mail as soon as possible to afford us the opportunity to close this investigation. Thank you for accommodating our inquiry.

Regards
Steven Cole.


I contacted Barclays :-

From: Penny Wise
Sent: 14 April 2003 21:24
To: Relations, Customer : Customer Relations
Subject: An email received
Dear Sirs, I would like you to confirm that you deal with a firm called De Rosenberg. I received an email from a Steven Cole of De Rosenberg Consulting, UK. stating that he was researching a person with the same name as our family. I just wondered whether this was genuine or a hoax as there are very few families with this name as it results from a deed poll change in 1917 by our grand father. I have spoken to the other members of the family and they have not received a similar communication, Mr. Cole stated that he had been hired by Barclay's Private Banking to do an investigation. If this is correct I do not mind providing him with information but if it is not then I felt that you should know that he is using your name. Thank you

and received the following email-

Date: Wed, 16 Apr 2003 11:21:48 +0100
From: ( a person at Barclay's)
To: Penny Wise
Subject: FW: E-mail received from Penny Wise

We confirm that the emails sent to you by someone claiming to be Steven Cole of De Rosenberg Consulting are not genuine. We would recommend that you cease any further communication with that individual. we would further recommend that you report matters to your local police authority and contact your ISP and advise them of the nature of these communications and ask that the Mailbox of the sender be closed.
This matter is being dealt with by the Bank centrally. I have forwarded your e- mail to them. Thank you for your assistance.

Guess I was intrigued so I did reply!


STEVEN COLE

Date: Wed, 16 Apr 2003 19:31:14 +0100
From: Steven Cole stcole@Iycos.co.uk
To: Penny Wise
Cc: maxyau@financier.com
Subject: Re: Re: Investigation:Barclays Private Banking
Thank you Penny Wise for your response.Your reply has been forwarded to the concerned officials at Barclays. Thank you, Steven Cole.

250 business cards FREE! create your own full-colour high-quality business cards easily online. Only at www.vistaprint.uk (and this is a 'business' contact? PW)


MAX YAU

Date: Sat, 19 Apr 2003 20:10:07 -0500
From: MAX YAU [maxyau@financier.com]
To: Penny Wise
Cc: mm@financier.com
Subject: Re: Investigation: Barclays Private Banking
Dear Penny Wise,
Thank you for your response to the inquiries.
I take it by your response that you have may have knowledge of the subject The fellow with the previously referred description : Mr. Moser Wise died intestate and nominated no next of kin after having made substantial investments with Barclays bank.
Standard procedure dictates that we seek out and exhaust all channels to find any one related to inherit the title that his estate may pass on.
From what I see, we may have been successful. Thank you for your kind understanding.

Regards.
Mr. Max Yau
CC: Mr. Gabriel Barley: Director : International Private Banking.
London.
20-4-2003.


Seemed genuine enough to me so on we go! PW. Now it gets interesting!


GABRIEL BARLEY

Date: Tue, 29 Apr 2003 05:15:16 +0100 (BST)
From: Gabriel Barley ~privatemorIey@yahoo.com
To: Penny Wise
Subject: PROPOSAL
Dear Penny,
I am Gabriel Barley, head of international private banking at Barclays. [Not] A staff of Barclays Bank PLC contacted you earlier concerning Mr. Moser Wise and an investment placed under our banks management 3 years ago. I would respectfully request that you keep the contents of this mail confidential and respect the integrity of the information you come by as a result of this mail. I contact you independently of our investigation and no one is informed of this communication. I would like to intimate you with certain facts that I believe would be of interest to you.
In 1999, the subject matter, Moser came to our bank to engage in business discussions with our private banking division. He informed us that he had a financial portfolio of 8.35 million United States 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 my duties as the de-facto chief operations officer of the private banking sector, 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 my advise to customers is to start by assessing data on 6000 traditional stocks and bond managers and 2000 managers of alternative investments. Based on my advice, We spun the money around various opportunities and made attractive margins for our first months of operation, the accrued profit and interest stood at this point at over 10 million United States Dollars, this margin was not the full potential of the fund but he desired low risk guaranteed returns on investments. In mid 2001, he asked that the money be liquidated because he needed to make an urgent investment requiring cash payments in Antwerp. He directed that I liquidate the funds and had it deposited with a firm in Holland. I informed him that Barclays would have to make special arrangements to have this done and in order not to circumvent due process, the bank would 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. A cash movement across boarders has become especially strict since the incidents of 9/11. I contacted my affiliate in Holland and had the funds available in main land Europe. I undertook all the processes and made sure I followed his precise instructions to the letter and had the funds deposited at the Amsterdam based security consultancy firm, Keystone Fiduciary. Keystone Fiduciary is an especially private firm that accepts deposits from high net worth individuals and blue chip corporations that handle valuable products or undertake transactions that need immediate access to cash. This small and highly private organization is familiar especially to the highly placed and well-connected organizations. In Line with instructions, the money was deposited with Keystone. Moser told me he wanted the money there in anticipation of his arrival from Norway later that week. This was the last communication we had, this transpired around 25 th February 2002.

In June this year, we got a call from Keystone Fiduciary 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 knew about the deposit at Keystone Fiduciary, and I could not understand why Moser had not come forward to claim his deposit. I made futile efforts to locate Moser. I immediately passed the task of locating him to the internal investigations department of Barclay. Four days later, information started to trickle in, apparently Moser was dead. A person who suited his description was declared dead of a heart attack in Canne, South of France. We were soon enough able to identify the body and cause of death was confirmed. 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 estate. If you are familiar with private banking affairs, those who patronize our services usually prefer anonymity, but also some levels of detachment from 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 even 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; Moser died in 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 every 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 official capacity dictates that I am the only party to supervise the investigation and the only party to receive the results of the investigation. You have unfortunately declared that you are in no way affiliated with this individual. What this means, you being the last batch of names we have considered, is that our dear late 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, Keystone will by the end of this year broadcast a request for statements of claim to Barclays, failing to receive viable claims they will most probably revert the deposit back to Barclays. This will result in the money entering the Barclays 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 understand something. It is only an outsider to the banking world who finds the internal politics of the banking world aberrational. The world of private banking especially is fraught with huge rewards for those who sit upon certain chairs and oversee certain portfolios. You should have begun by now to put together the general direction of what I propose. There is US$ 8,370,000.00 deposited in Amsterdam, I alone have the deposit details and they will 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 Barclays is concerned, the transaction with Moser concluded when I sent the funds to Amsterdam, all outstanding interactions in relation to the file are just customer services and due process. Keystone Fiduciary has no single idea of what's the history or nature of the deposit. They are simply awaiting instructions to release the deposit to any party that I may direct. This is the situation. This bank has spent great amounts of money trying to track this man's family; they have investigated for months and have found no family. The investigation has come to an end.

My proposal; you share similar details to the late fellow; I am prepared to instruct KF to release the deposit to you as the closest surviving relation. Upon receipt of the deposit, I am prepared 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 proceeds 50/50.

I would have gone ahead to ask the funds be released to me, but that would have drawn a straight line to me and my involvement with claiming the deposit. But on the other hand, you with the same very name as the original depositor would easily pass as the beneficiary with right to claim. I assure you that I could have the deposit released to you within a few days. I will simply inform the bank of the final closing of the file relating to Moser I will then officially communicate with KF and instruct them to release the deposit to you. With these two things: all is done. The alternative would be for us to have KF direct the funds to another bank with you as account holder. This way there will be no need for you to think of receiving the money from Keystone as it is not a conventional financial institution; they accept deposits from only organizations thus; what you hand over to them is what you get back. They do not have the means to process the money. 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 no appeal to you, delete this message and forget I ever contacted you. Do not destroy my career because you do not approve of my proposal. You may not know this but people like myself who have made a tidy sum 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 move. Such opportunities only come ones way once in a lifetime. I cannot let this 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 will not work with me let me know and let me move on with my life but do not destroy me. I am a family man and this is an opportunity to provide them with new opportunities. There is a reward for this project and it is a task well worth undertaking. 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 into the center of relevance in my life. Lets share the blessing.

If you find yourself able to work with me, contact me through this same email account. If you give me positive signals, I will initiate this 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 only through the numbers I provide for you and also through this email address. I do not want any direct link between you and me. My official lines are not secure lines as they are periodically monitored to assess our level of customer care in line with our Total Quality Management Policy. Please observe this instruction religiously. Please, again, note I am a family man, I have wife and children. I send you this mail not without a measure of fear as to what the consequences, but I know within me that nothing ventured is nothing gained and that success 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 not betray my confidence.

I await your response.


...I'm having a ball! definately therapeutic and at 73 years old I have all the time in the world (more fun than dusting anyway). ... Will soon be done - I was a newspaper reporter in my other life. I have already fired off a summary to the Metropolitan Police but as yet have had no reply. They are maybe checking all te phone #'s and bank accounts etc. that I sent them. I hope we can make these b***'s squirm ( don't really swear but it sure makes you feel like it!


INSTALLMENT 2

PENNY WISE

April 30, 2003.
Dear Gabriel,
What an interesting dilemma! Thank you for your frankn
ess. Before I make any commitment I would like a few answers to questions. 1) How did you find out how to contact me?
2) If Moser died in Cannes and you identified the body, who made the burial arrangements, on whose authority and where is he buried?
3) How old was he and where did he originate?
4) I Moser his real name/ There are very few ÔWise's' around and although we do not have a Moser as a given name there are several ÔMoser' surnames in the family
5) What kind of business ventures was he involved with?
6) If he invested $8M - what happened to other funds which he must surely have and in what country?
7) If he was suppoed to be in Antwerp what was he doing in Cannes?
8) What kind of documentation would I have to provide to prove who I am/ I could have been using a pseudonym on the Internet.
9) Why did you trust me with the information you sent?
10) If you transfer funds to me what will that entail/ How would it be done and how would those funds be accessed?
11) Do you know in which country I live?
12) Have you contacted other Wise's with the same proposal? I know of at least six which you have not. (Comment -At this point I had phoned all my relatives who use our name in their email address and especially one who had been in the ÔSark Lark' (Channel Islands securities) a few years ago.
I can understand your thinking and agree that banks are not my favourite entities and what you suggest will apparently harm no one else - especially if I can prove my relationship. In fact I can think of a lot of people who will derive great benefit from the proposal. I would, however, like to know of any probable repercussions if I accept your proposal.
Having done so much research into our family tree and, knowing that I have a few gaps I cannot, without knowing a little more about Moser, be absolutely sure that he cannot be related. The family originated in Switzerland and Germany and has several prominent ancestors, in commerce, the church and academics. I would not be in the least surprised to find one who is still as affluent as Moser. My research has, at the present, been directly back through the male line from ourselves, but there are several offshoots which I have not yet completed. There is one, in particular, who may have issue which resulted in Moser and which could, given that he never married, place our family in true line anyway. This is why I ask about his real name. It is most unusual for someone to take the name of Wise just out of the blue. I know this because of an uncle who, although named ÔWizenberger', used the name ÔFred Wise' as a nom- de-plume. I have one of his books.
I have discussed this matter with my son, ( comment - it did not occur to me until later hat I did not mention a husband and they maybe thought I was a widow.) who agreed I should contact you again and, in all honestly I have to tell you that I did contact Barclay's when I heard from Steven Cole as I was not prepared to give him private information if he was simply running a scam. Barclay's replied that they believed it to be a scam. The reason I did this was because he used Lycos as an email address and not one in Barclay's or a business domain.
There are members of my family who have, in the past, dealt with Barclays. Thank you for contacting me - if I do not hear from you again I will consider the matter closed. As I am a born skeptic I will also wonder whether this too is a scam or whether I am actually turning down a chance to make life easier for my family also. The mere fact that we have an unusual and uncommon name does, however, make me wonder.
Thanks 'Penny Wise'

At this point I had researched Barclays and found that Gabriel Barley truly was the head of Barclays Private Banking and was registered on the FSA Government site as Gabriel Barley with Active Status and FSA Ref No:xxxxxx as CF1 Director, Barclay's Private Bank Ltd.-Start Date:28/11/2002. Also a press release from Barclay's Newsroom ( I have the document) states that on August 22, 2002 Barley had been appointed Head of International Banking and CEO of Barclay's XXXX with responsibility for all XXXX outside the U.K. This new position will also mean that Mr. Barley will join the global private banking executive committee. Barley joined Barclay's from Merrill Lynch where he was managing director of Private Wealth Services in XXXX and previously was a director of XXXX Securities. (My comment - I wonder whether we should use (abused name) throughout this epistle as he REALLY exists... Your thoughts on this guys? You can see why I was almost taken in by this particular scam. Research proved several things which almost convinced me.)


GABRIEL BARLEY

Date: Thu, 1 May 2003 17:14:55 +0100 (BST)
From: Gabriel Barley privatemorley@yahoo.com
To: Penny Wise
Subject: that progress be made...
Thank you indeed for your mail. Your response reflects both wisdom and logic (attributes respect greatly).
I regret not. been able to contact you earlier but there was reason for me to wait till this moment.
There are issues that require us leveling out.
Pls call me at ±44 7814 984733.
We need to talk.
Gabriel.


GABRIEL BARLEY

Date: Fri, 2 May 2003 15:18:21 +0100 (BST)
From: Gabriel Barley privatemorley@yahoo.com
To: Penny Wise
Subject: Contact
I received an international call, as I picked up the phone I heard a beep, then it cut off. If that was you that called pls do so once more. Again, my number is: 44 78 14984733
Gabriel


GABRIEL BARLEY

Date: Fri, 2 May 2003 17:36:07 +0100 (BST)
From: Gabriel Barley privatemorley@yahoo.com
To: Penny Wise
Subject: contact
Dearest Lady!

Got your message on my phone message box. It was sad I missed your call. It would be a great thing to talk with you. Would you rather I called you? Pls provisd me with a number I can reach you and I will most definitely call.
Respectful regards.
Gabriel


GABRIEL BARLEY

Date: Fri, 2 May 2003 18:26:36 +0100 (BST)
From: Gabriel Barley privatemorley@yahoo.com
To: Penny Wise
Subject: in judgement make haste slowly...

Dear Penny, I was taken aback by the manner of our initial interaction. I want us to get certain
issues behind us once and for all. As much as I desire your cooperation....
I will state the very crucial issues here, as I have to leave to attend to personal matters. Let's move forward and let's see what we can achieve. You see, someone close to me recently taken ill and her medic examinations is about to be initiated. I have hurriedly put together this message. I will need for us to conclude this project in record time so I can be in a position to give her fullest attention and provide her with the best facilities I will be able to afford. What I now recount to you, I have told you already, but I restate here again for the avoidance of doubt or confusion.
In everything one does with another: there must be a meeting of minds. In Latin, it's called "consensus ad idem": a meeting of minds. With out us both seeing and
assessing the situation through the same lenses there cannot and will never be success or progress. So please leave transparent your mind and your heart upon to assess our operations with a brave and heart.
I will be the "primus inter pares"; this again is Latin meaning first amongst equals. I need for you to obey my every instruction and do exactly as I say. You must let me direct this project for us to have success. This is non negotiable. It is when there is no leadership and no meeting of minds that there are problems. Remember this always. I do not seek to lead you by the nose and lead you into anything you did not bargain for, but I must be able to dictate the pace because only I have the key, the knowledge to unravel this project.
My first concern is security. I mean getting this project behind us with no backlash. Nothing good comes easy but planning and strategy integration and efficient modus operandi help more than a little. The file relating to this case is under my care not only in my capacity as project manager but also as the departmental head. The details of this project if known only to private banking department of Barclays (of which as you know I am the over all
authority) The administrative department of the bank is also aware of this only if a communicate with them officially about the matter, their role in this is only to manage instructions that my department executes, they have no power to vet or investigate. Once I authorize, they employ and close the matter. - All our clients and their status are updated on a fortnightly basis. Every few
days, the admin department asks me for a status report on the activities of the cases under my care. I am not obliged to give detailed reports but I must give them basic information. I have filed in a report signalling that Mosers next of kin has been identified and the title passed on. I have thus closed the file. Thus, I and I only are in the know as to what is going on with Mosers file. The risk element is now zero. This is guaranteed. The admin department has assured me that in 24 hours, they would have filed my submissions and declared the file closed/resolved.
Your must understand what we stand before, we are about to make a lot of money for ourselves and for every time one makes significant progress in life there is a price to pay, I told you nothing goes for free and this project is not a deviation from that natural law. There are dos and don'ts you must understand. There are certain underlying factors you must appreciate.
Your status is that of successor in title to the late Moser. Pure and simple. What are the details? I have ensured due to the allowances of private banking that there is as little documentation about this project as possible. The manner the Late Moser filled in his data sheet helps us in no small way; there is little or no background for us to conform to. We do not have the need to make any submissions to prove, as Moser left no points to be proven!! I do not think having documents flying around is the best way to get from start to finish, so in that regards; we are very lucky! Things are best done this way.
No paper work between you and Barclays, just instructions between Keystone and Barclays. Now let's talk of keystone; they are a very private firm, they are affiliated with only top Swiss banks, sensitive firms and multi-nationals. Their full name is: Keystone Fiduciary. They are private and exclusive. They are the only company that has the legitimacy to have assisted with this sort of project. They are a security deposit accepting firm working only on
instructions from officials like myself. They accept no private deposits and all deposits are made on behalf of private citizens. They will not accept any deposit from a private individual except under special circumstances. You will have no direct link with Barclays bank. They do not know of you and I would prefer it that way. They know simply what Barclays tell them. Keystone are experts who transact annually with hundreds of millions of dollars on behalf of my bank and many others; I tell you this in strictest of confidence for their status is one of the complex intricacies of the modern international banking world. I do not wish for this information on Keystone to pass beyond us. They are purely a private security consultancy firm working confidentially for certain bodies.
Just as you would not want this project to be common knowledge do I have the same desire to keep this confidential? I repeat myself in uncertain and unequivocal terms:
this is a private and confidential arrangement involving only me and you knowing the full and complete details. The success of this project is contingent upon you knowing your place and knowing your limitations. I have worked in the banking world for many years and many consider me a guru in my field. I get where I am today by being smart and hardworking, but most importantly by being disciplined. You must obey me and follow my instructions. Barclay's private banking is a closed and restricted world. What we have done is known to nobody and cannot be. The only authority which has access to any knowledge of what we have done is not even aware of any detail other than that the deposit has passed to the next of kin. That's all.I ask you to respect my efforts and not strive to contact the departments of my bank involved in this. If you begin to follow their activities you will attract attention to this matter. I repeat again, under no circumstance are you to contact my bank. Private banking is what the name reflects: privacy. The bank respects the private of its high net worth clients and would not ask any questions or intrude in reason to do so. Under no circumstance are you to contact me or my bank through any other channel other than my email account and my private direct phone line. I repeat; this is private banking, there is no trace or detail of this transaction. It is best that way; I am giving verbal
instructions to effect the realization of this project. Accept it and respect it. I have come too far in life to jeopardize my status as a result of a break in communication or a failure of my associate to understand me explicitly. I repeat for the avoidance of doubt; DO NOT CONTACTS ME OR THE BANK THROUGH OFFICIAL CHANNELS, WHAT I HAVE DONE IS KNOWN TO NO ONE BUT ME AND YOU. RESPECT THAT IF YOU WANT SUCCESS AND SECURITY. I
do not want you to talk to a party that will point a finger at me. I plan to see this project through and go into private business by establishing my own investment firm. I have been in the banking sector for years but all I really have is a name, no money to undertake anything tangible. I do not seek to justify myself for I am at peace with myself. All the same, I inform you that with my share of the money, I intend on opening an investment and financial consultancy firm. I have many friends who have money to invest but for me to be the captain of the firm, I must invest some money of my own. That's why this project is important to me. It's my key to the next stage of my life.
I know 3 of keystones affiliate banks and they can pass your details onto one of them to open an account for you if you instruct them to do so for you. I have been informed that they can have their preferred bank to contact you to initiate opening of the account. Once the account is open and they have deposited the money there, you will hold on to my share until such a time as I can disengage from Barclays and pursue my own private agenda. I plan to travel to meet with you ASAP so we can meet in person.
For the moment, I can summarize by saying I have given instructions with your details to Barclay's admin, admin will act upon it and initiate paper work for payment processes. You will then hold on to my share of the money until such a time as I have use for it. That is it for now. Destiny has fostered us together in this dance: the music is sweet but the dance will only be sweet too if you take steps along with me; do as I instruct.
I have taken a leap of faith in proceeding the way I have with you. I should first have met with you to gauge your seriousness and see if you are trustworthy, but one thing I have learned from the wealthy private banking clients I manage is that nothing in life comes easy and nothing ventured; nothing gained. Know that I promise you from the bottom of my heart that all is well and will end well. Please rest assured of that. In 48 hours, we should be through with this project.
My situation is eating into me too, there is a lot of stress and weight on my family at this point, know that we both need a new chance to provide new opportunities for ourselves. I have a family I love very much and we must seize this opportunity to better both our lives. We must take this situation seriously, great opportunities never come twice.

Find below my details where my share of the funds are to be paid into.
Bank Name: KBC Bank
Address: 4 Rond Point Schumam Brussels 1040 Belgium
Account Name: Nordica Design Group/Bjorn Helme Lundberg.
Account Number Ñ 426 446 77 5 2 07
Swift Code Ñ KRE D BBB 100

I will need for you to provide me with the following details:
(1) Your full and precise name you would want the project transacted in, this name will be used through out the duration of the project. I do not ask for an alias but rather, the correct spellings of the name, which is your middle name.
(2)Your address where you receive you mails in case you are to be posted documents. (3) Your precise confidential telephone and fax number. Mail these 3 details to me to me ASAP so I can get to work.
I will call you later in the day. Pardon the mistakes in spelling but I must dash off now. Hope to receive reply from you on return. Remember; don't contact me through my official email account: mm@financier.com. I will be leaving for Belfast possibly tomorrow evening, not sure, but will confirm. Will give you my contact coordinates there.

Regards
Gabriel.

Please call me now.


INSTALLMENT 3

After interesting phone conversation (at his expense) with a well spoken English sounding person:

GABRIEL BARLEY

Date: Sun, 4 May 2003 18:41:14 +0100 (BST)
From: Gabriel Barley privatemorley©yahoo.com
To: Penny Wise
Subject: Good luck
Dear Lady.
The coming week will be a great decider of many things. We have set out on a journey that will propel us into the realm sort after by many men and woman. But for everything, there is a price to pay. The toll here is transparency, honesty and teamwork. I have coughed out 120 thousand, pounds, not dollars. This is not a payment I made easily to Langer but it was something that had to be done. I count on you to reciprocate the efforts I have made. I ask for no more than for you to honour your part of the deal. That's all I ask for.
To restate the facts once more:
1. Monday- 10-T2PM GMT call Mr. Kenneth Johnson in Belgium
2. Mr. Johnson's number is +32 472977 987.
3. Inform Mr. Johnson of your name and that you were directed to him by Mr. Langer from Amsterdam.
4. Tell Johnson you need his assistance towards the activation of an account that can accommodate the sum of USD 8.37 Million.
5. We have a week to sort things out, as Langer will only be able to hold things down for so long.
6. Langer will handle all documentation; Johnson will handle opening an account. They will both be arranging the documents to legitimise the money.
7. Call me/mail me once you have spoken to Johnson. You should be able to then provide me with an idea of when this project over and we can meet.
8. 1 have the added task of pursuing my official assignments, if at anytime you are unable to reach me know it is as a result of prior engagements, I must at this point allow nothing to deter me from executing my official assignments as this would be the first sign of my motives.
9. Best of luck and bless you. Be a woman with a brave heart.
Gabriel.
( Comment- I did as directed, talked to Johnson (accented voice but accent could have been Belgian who directed me to talk to a James Toller in London. Toller had a terrible accent and I had a hard time understanding him so I called Johnson in Belgium and complained and asked him to elaborate on the instructions. Then received phone call from Toller who was very upset. Guess he had been chewed out by his 'superior' and didn't like it. Spoke with a much clearer accent from then on. Contacted Morley and asked what I had to send to Belgium as an application letter.)


GABRIEL BARLEY

Date: Mon, 5 May 2003 11:12:29 ±0100 (BST)
From: Gabriel Barley privatemorley@yahoo.com
To: Penny Wise
Subject: comments
Dear lady, do not frett, you have absolutly no reason to do so!
The application letter is not a problem, i have written a sample, just make it case specific and send it to him.
send also a copy of your ID as requested, send also a brief history of yurself. Do not worry about the fact that your husband is the relative.. It makes no difference as they have no reason to need that info, their task is to ensure you have an account the details is not their concern. Its normal process to ask for brief BioData. dont worry just tell them about yourself., the info should assist them to know what kind of medium would best siut you.
you will have to make immediate plans to travel to London, i amn ready to meet with you. I can not accept that it wilI take you long to get a passport remember we dont have that long because of the time frame placed upon us by Langer. Call Belgium and see what can be done about that please. make the sacrifices and lets do what has to be done now. we must insist that Belgium works within our time frame and we must find a way to accellerate the travelling issue. think about this and let me have your comments.
Also, i want to call yuo, what number would be best to do so once i am free?
Love-
Gabriel.
(find sample of letter below:
Date:.....
Dear Sir/Ma,
Re: Request for assistance towards management of funds
This document is to serve as an instrument formally instructing your establishment, represented by good yourself, to assist me, Mrs. Penny Wise, to establish a medium that can accommodate the sum of USD $8.37 Million.
I would request that all necessary actions be occaisioned to ensure the immediate activation of the facility.


( Comment -I followed instructions and (like an idiot) sent the necessary identification. In the next phone conversation with Toller he calmly informed me that they had Ôfound' another $10M USD in other accounts. (Blew my mind!) Also informed me I would have to send 12,000 Euros to 'activate' the account. I phoned Morley and let him know about this 'windfall'! Note all the spelling mistakes in the later correspondence - not the articulate guy he was at first)


GABRIEL BARLEY

Date: Fri, 9 May 2003 09:07:03 +0100 (BST)
From: Gabriel Barley privatemorley@yahoo.com
To: Penny Wise
Subject: report

1 am not sure if you are fully aware of the details, but assuming you are. I must say we are in a most amazing situation.The turn this project has taken necessitates my plotting a new route for the SUCCCSS.
The fact is customer banking and private banking are two separate units. I knew of Mosers transactions at private banking. The information you have provided me about his activities in customer banking has taken me aback. The reason I have been silent is because I am making the process streamlined. I am making sure that I have the project under control given the new facts of Mosers wealth. We confronted new factors that as much as they are welcome mean we have to reorganize our strategy so there is no problem. You will have to understand my actions and comprehend that I am working for the realization of the same objectives as you are. Langer (comment - Langer is contact at Keystone Fiduciary in Amsterdam) told me that he thought I knew of it, that since we have submitted claims as you being the next of kin that they naturally followed the same process when additional funds were discovered. This is truly an amazing episode. Do not think I am wasting time; my delay is necessary and expedient. Langer is aware and has agreed to give us time to accommodate the new situation.
1 will contact you once 1 am 100% sure 1 have integrated the 2 claims processes. In the meantime, ensure you are in constant communication with the consultants and encourage them to hold on. In other words, buy time until I have a full picture of what is going on here. We now have over 18 Million USD. This is not what we set out for, we must re-evaluate, we must synthesize what we have done in private banking with the results of the money found in Mosers account in customer banking otherwise we do not have a deal. its now not a matter of money, ifs a matter of doing things right.
I promise you that at worst, by Monday, I will have sorted out all that needs to be done to ensure the safe and fluid project I promised when I first contacted yon, put aside all worries
Gabriel.


PENNY WISE

GabrielÉ.You were amazed??? I nearly had a second heart attack when I spoke with James Toller at 3:00 a.m. Tuesday and he informed me that there was another $10 M. USD!
Remember you never answered any of my questions? I did ask, if this was a cash transaction, where were Moser's other accounts! It stood to reason there had to be. I certainly did not expect this answer. I find it incredibly scary (but I promise I am not stupid). Never having been involved in handling vast amounts I have no idea of the processes involved.
I do not know whether to thank you or curse you for finding me as next of kin. This situation has turned my whole family's life upside down and the additional funds have created a dilemma for us both. As far as the consultants are concerned they are waiting for my Barclay contact to arrange interim funding before they will proceed - guess that is your department, as I am unable to raise that kind of money. Will the 12,000 E. to Johnson/Toller be covered by Barclay's or by Langer.
The information provided to me by James Toller and Ken Johnson about the extra 10 M. was as much a surprise to me as it is to you. Having never had contact with Langer and not knowing his part in the undertaking of this situation I must trust in your judgment.
Staying in contact with the consultants is not a problem. They have requested pre-payment before they will proceed further. Should I call Johnson and tell him that my Barclay contact is arranging payment?
It is easy, in your situation, to say Ôput aside all your worries' as you are involved in the process of combining the two claims none, of which I had no knowledge until a few weeks ago. Sometimes the waiting game creates more stress than being directly involved. This whole situation is creating both you and I extreme stress and makes me wish my name was Smith or Jones - life would be much less complicated. Having a name which is extremely rare has always meant that one takes care not to do anything to sully that name for future generations.
One dilemma that I have to resolve is that my son took a leave from his teaching position last Tuesday in order to accompany me to London. He lives approximately 1000 km from me and is accountable to others for his absence. His extended leave is possible as long as we have a definitive time line to follow. Can you foresee concluding this matter within the next few days and should we make plans to travel this weekend or early next week. Weather here is a problem and having already driven through heavy snow fall to get here it would be even more stressful to drive 1000 km back to home and have to return again within a few days. At the present time our lives are in limbo awaiting the resolution of this situation. Awaiting your call or email - remember our 7 hr. time difference which creates a problem arranging flights as most need 24hr advance booking. If we needed to be in London Monday I have to go to Calgary today (Friday) in order to collect my passport.


INSTALLMENT 4

GABRIEL BARLEY

Date: Wed, 14 May 2003 17:57:06 +0100 (BST)
From: Gabriel Barley [privatemorley@yahoo.com]
To: Penny Wise
Subject: update
Dearest Lady,
I was typing as you sent your mail.
I would amount to an understatement to posit that this project has not progressed in the way I had envisaged. At this time, I thought the entire project would have been long behind us and we would have met in person to cement the affiliation this project has created between us. But alas, things have not been so.
I do not think it right that we apportion blame; I do not think it right that we point fingers. I have been beyond words in responding to the issues you have raised and also thinking and worrying about those thoughts in your mind you have not said to me. To all your questions, to all your doubts I tell you: I mean you no harm, I planned nothing evil, I did all the right things. I always told you the facts I knew and I have always confronted you as a friend and partner. Whatever suspicions you have, whatever apprehensions you have relating to this project and me are justified given what has happened so far. But as it is said, in judgment, make haste slowly. It reminds me that one can only plan, but what will be will be.
As you wonder within yourself and the misfortune that has happened so far. Do you not thank your stars? How could we have known that we were confronting a larger sum of money than we
anticipated? How is one to respond to this twist in the tale? Is it not a blessing in disguise? We must not let our anger and disappointment in the failure of our schedule turn you bitter or against me. You must see the larger picture and know that there is a bright future for us all, there is a saying; only the fool will because he is crying fail to keep an eye on the path he is walking and stumble and fall; doing that means matters become worse. The meaning in this story is that we should despite misfortune look beyond the immediate problems, lest we too stumble and lose it all. Things are bad but they are not beyond repair.
From ongoing facts; I have spoken to Langer, he too appreciates that the variables in this formula have changed and thus a new agenda is necessary. He has agreed to give us the needed time to sort ourselves out. This is not an indefinite period, but enough time, reasonably, to sort us out. Without a doubt, the money asked of us by the consultants is a big chunk and is an avoidable situation. I have been silent for the last few days because I have been doing some investigation of my own.
Right now, I have a contact that knows a man who has worked with the consultants. He is to get me a list of the organizations they work with. These organizations are the same ones they would have worked with to manage your account. For this, they are asking for the consultation fee. Their power over us is as a result of the information they have about this mid terrain banking organizations that manage deposits with no questions asked. If we get this information, we can remove these men from the equation and go directly to the banks.
I am due to be given concise information on Friday. It should have been today I got the information but I cannot vouch for the integrity of the information I have at hand. I have thus sent my contact out to the field again. He has said by Friday he will give me the information I need. But I am looking at a worst- case scenario of Monday.
I know it stretches things on and you would want things other wise, but please hold on to your horses and know that what is worth doing is worth doing well. We are not talking of 8 Million any more; we are talking of almost 19 Million. Should we or should we not do this with common sense and patience? I beg you hold on and cooperate the way you have been doing thus far. I will deliver. This I swear. If I have news before Monday, I will immediately inform you. Otherwise, know that I am working and I am working hard. For both of us. Continue to have faith, all the world was built by faith.
Accept my respectful regards and love.
Mike.


(I became really offended when he called me Dearest Lady, sends me love and calls me 'sweeetheart' on the phone. This is supposed to be a business deal. After all I am an elderly lady and I do not know the jerk. however 'respectful') (comment - I am still not sure whether this is a scam or not (red faced) but I answer his letter and am most charming)


PENNY WISE

Dear Gabriel,
Thank you so much for your letter. Now we can move on and wait patiently. Small amounts of information regularly, ease the mind. My son will return home tomorrow and I will pick up my passport the same day. We traced it on Monday and it would not have been ready for pickup until today, Wednesday, in any case. My son will attend to his responsibilities and be ready to return here as soon as I contact him. It is better that he travels with me as he is the next generation and I want to make certain sure that any future probabilities are covered in the first instance.
We are used to dealing in money matters which, at most, contain six digits - not in the amounts to which you are involved. In this project we will need your expertise for a long time in the future.
I am sorry that you feel that I am pointing fingers or apportioning blame. There is no blame for anything. I am just overwhelmed at the way things have proceeded. As you well know I believed this, initially, to be a scam! I could not believe that you would trust a completely unknown person with so much information, sight unseen - you took an enormous risk. For this I will be eternally grateful. You must, somehow, have found out something about me that I do not know. I can assure you, however, that I have never been anything but a very private person, have very few close friends whom I would trust and even they know very little about our personal lives. The two whose names I gave as references for a passport never even asked questions as to why I would need one in a hurry and did not expect me to explain. I have always done business with integrity and trust those I deal with until I find I cannot trust them. Once trust is lost it can never be regained.
I do not look on the happenings in this case as Ômisfortune' - it is simply steps along the way. As you say - nothing in life comes easy and we know that from our own long lives. We have always worked very hard for everything we have and know that we have the respect and trust of all those with whom we have ever dealt. We tried to pass our old fashioned values onto our children and are very proud of the way their lives are progressing. This project will make an enormous difference in our lives eventually and I most certainly do Ôthank my lucky stars' .
As I said, please do whatever you feel necessary, take all the time you wish or need. All I needed to know was a time line to accommodate my son's commitments. Please accept our faith and trust in you. We are sure that things will work out. We hope that your family medical situation has resolved itself and taken some of the stress from your life.
Wishing you nothing but health and happiness
Penny


GABRIEL BARLEY

Date:Tue, 20 May 2003 16:26:12 +0100 (BST)
From: Gabriel Barley [privatemorley@yahoo.com]
To: Penny Wise
Subject: progress
Dear Penny
You will have to forgive me. It's been one challenge after the other. I was nearly sure of my
information this morning but I had to be sure of what info I had. I have only now been able to
conclude on the info I have been fed with.
You are well aware and I think we have spoken about the difficulties of shifting money
especially huge sums, across the boarders. We both agreed that the US government and their
allies have a pretty tidy grip over funds movement internationally. Its not that funds cannot
move freely, but the checks on source and destination has never been so sever. I had tried to find a way to cut out the meddlesome middlemen in London and Brussels. I fished around for information on their normal processes and
organizations they work with. Apparently, they have many corporations that they work with, big high net worth corporations. Some of the names I am sure you are familiar with and surprised you will be too to know that these men have such leverage of these organizations. The funds from people like you are cloaked in legitimacy by routing them through the accounts of corporations with the active assistance of a specialized origination called first Union Trust.
www.firstuniontrust.com. First Union I have come to learn is the organization they use to route all their funds transfer. Information is money; we do not need to pay them the consultancy they have requested since we have the info already. Now, we know how they operate.
We must confront FUT and open an account with them. My informant tells me that they are able to do things that other banks cant. They will open an account for you and manage the money for you no questions asked. In fact, my informant tells me that once your money passes through FUT, its gets the absolute cloak of legitimacy and respectability it needs. From the account you establish at FUT, you can transfer your money onwards from there. Personally, I have not worked with FUT abut my contact says they will deliver and we must thus jump on board with them! My contact tells me that if we are looking for success and rapid resolution; we should work with them. Your very first step is to go to their web site and contact them: www.firstuniontrust.com. I think we have a game plan, please call me after working hours at + 44 77 33 024 108.
Gabriel.


PENNY WISE

May 21, 2003

Hi! Gabriel, I applied to First Union, sent them the required info and confirmation of address and a covering note to say I would phone them on the 21st and that my "advisor" would probably contact them. Don't know whether the "advisor" would be you or Langer. I didn't specify who.
Just hope they don't turn me down for $18M!!!!
Had to haul off to town to buy a new fax machine and copier.
Sorry I caught you at a bad moment. I was sure you would have finished work by 7:00 p.m. Thought banker's hours were short - not all day:) Glad I am retired and do not have the hassle of keeping time for anyone.
Just thinking that a trip would not have been TOO bad and that maybe in the next couple of weeks my son and I may have to visit with you and, if this all goes well, maybe will have to meet with the bank to finalise details. Whatever you think is necessary so that I can get back to a Ônormal' life. Not that my life has been what one could call run-of-the mill at anytime. Never liked to conform to a humdrum kind of lifestyle.
Done my bit - what's next?
All the best
Penny


GABRIEL BARLEY

Date: Wed, 21 May 2003 08:13:02 +0100 (BST)
From: Gabriel Barley [privatemorley@yahoo.com]
To: Penny Wise
Subject: Re: Mission accomplished
Penny, All is well. The next step is to establish contact with FUT, i mean verbal contact. Inform them you wnat the account running ASAP. Once they give you the details, let me know them and the rest will be handled by me.
Stay well. Gabriel.
May 21, 2003.


PENNY WISE

Penny Wise wrote:
Hi! Gabriel, I spoke with a Paul Adams. He is doing a bankruptcy check on me and will call me tomorrow 2:00 p.m. my time.


GABRIEL BARLEY

Date: Wed, 21 May 2003 22:11:48 +0100 (BST)
From: Gabriel Barley [privatemorley©yahoo.com]
To: Penny Wise
Re: contact
Great news!, unfortunatly, I am far from feeling well.i am very sick, i be in touch when i can.


"ACCOUNTS DEPARTMENT"

Date: Thu, 22 May 2003 17:32:48 +0100
From: Accounts Department [accounts@firstuniontrustcom]
To: Penny Wise
Cc: Iawrencesmith@firstuniontrust.com
Subject: Account Application Successful

Attention: Penny Wise
Dear Madam,
ACCOUNT OPENING APPLICATION
Thank You for your recent account application for an account with First Union Trust. Your application was succesful and your account is in the final stage of the opening process. You will be required to activate your account by making the minimum initial deposit that activates your account and ensures you can start transacting on your account.
Once your account is activated we will send your your secure online logon via e-
mail and also send your cheque book, debit! credit cards and accompnying PIN by secure international courier.
Please note that at First Union Trust we use relationship managers who act as account
officers and who will be explicitly in-charge of your account.
This would be the person you contact at all times from now.
Your relationship manager is:
Mr. Lawrence Smith
E-Mail:
(they forgot to add it)


LAWRENCE SMITH ("first union trust")

Date: Thu, 22 May 2003 18:18:15 +0100
From: Lawrence Smith [lawrencesmith@firstuniontrust.com]
To: Penny Wise
Subject: Account Activation
Dear Madam,
Sequel to our telephone conversation of today, let me explain further: In order for you to recieve an account number and sort code which you can use for transactions your account has to be activated by payment of a minimum deposit, also since you are expecting 18 Million (in whatever currency), it is not adviceable for you to just lodge the funds into the account bearing in mind that it is a fresh account also.
Current anti-money laundering and terrorism and prevailing financial regulations will not permit such a large deposit into such an account also such a deposit will attract huge tees with regards to tax, however all this can be avoided if your account is viewed as an already existing account. In light of this I suggest you make an initial deposit of GBP 5,000.00 (Five Thousand Pounds Only)into your account to activate it which will form your opening balance which you can withdraw as soon as you like then get your transfer in.
I look forward to speaking with you as soon as you make a decision.
Yours Truly
Lawrence Smith


(Here I got really ticked off when told I would have to send Five thousand Pounds ONLY when I phoned Smith and when I suggested that I sign a promisary note and that they could take the paltry five thousand pounds out of the $18+ Million dollars.)


GABRIEL BARLEY

Date: Fri, 23 May 2003 10:06:19 +0100 (BST)
From: Gabriel Barley privatemorley@yahoo.com
To: Penny Wise
Subject: [No Subject]

You upset me greatly by things you say. What can i say or do to make you look at me not as an enemy? i breaks me down the way you treat me. what in Gods name makes you think i am not being sincere with you?
penny, i am ill, i am tired spiritually , mentally and emotions run dry. PIs let me be and do not make me out for a devil.
I deserve more than that.

(Poor dear boy!)
(I went onto the website which bothered me when I saw ?First Union Trust (why '?'). Researched it and found it had been setup on Host$save in January 2003 - yet they have been in business for 165 years (according to them). The date on the web page was 2003. Two days after I queried Morley on the ?First Union Trust and the date the website changed. <>First Union Trust and the date went to 1997-2003. Also it displayed the Verisign symbol and had a couple of Links - which did not go anywhere. First Union Trust is not registered with the Bank of England, has an address that does not exist in London. I was told (by their contact-Paul Adams) that their parent company was in the Isle of Man (no luck there either); they are not listed on British Telecom! The only First Union anything is First Union Bank which amalgamated with the Wachovia Bank. Interesting! Nevertheless I signed up and after the following exchange of emails
:


PENNY WISE

My dear Gabriel,
Again, I do apologize! I do not look on you as an 'enemy' and I can understand that you are in extreme stress. The whole business has been stressful for us both. However I feel I must explain why I made the statements I did about this being a scam. ( I sent him a copy of an identical scam I had received that day from Nigeria by a Ngobe Ngayaka and whom I reported to zwallet)
Firstly, I have researched the situation from the very beginning. Why? Because to receive such a communication in the first place, as I did, sent up red flags. How did the head of private banking find me, make a suggestion which would be quite inappropriate for a person in authority to someone he had never met, knew nothing about and did not know he could trust. I could have been a member of the police force! However, my name is genuine, there are very few Wises I don't know and I genuinely believe that Moser was a member of my family. Whatever benefits this proposal would bring would be equally shared between the members of the Wise family. It would be nice to see the older members cared for and the younger one's given an incentive to better their lives easier. We are a very close-knit family. None of the others have been informed of any of this except my son and my husband (in whose name I deal) (Finally hubby gets in on the deal in spite of the fact he's been reading all my emails. One day he chuckles and the nexts decides how we'll spread out the ill gotton gains). That way there would be no disappointment if there were nothing to share.
There is a well known scam which originated in Nigeria and which has caught many old people and divested them of their savings. In fact I received another communication from them today. It follows along the lines of your suggestion almost identically. This is why I challenged your proposal as a scam. Also, when I contacted Belgium - the first thing they wanted was for me to deposit 12,000E before I could claim money. The Nigerian scam asks for an active bank account number in which to deposit $32M USD. When I told Belgium I did not have the equivalent of 12,000E I have heard nothing further from them!
You gave me a web site to contact, which was listed as starting only in 2003 although they are supposed to be also a family-banking firm on the net. I wondered why the site would be shown as ?First Union Trust. The name is close to a genuine business but nowhere could I find an actual ?First Union Trust in any search engine. In talking to the people concerned they have given me conflicting information. First the account would be set up with NATWEST - a very reputable bank that is a subsidiary of the Bank of Scotland and with whom I dealt many years ago before they amalgamated. Now it appears that the account would be with First Union Trust.
I researched the address they gave to me in the Isle of Man (which I know well) and neither of the addresses could be found on Multimap or a phone directory. The London address is not found either. ? First Union Trust is not listed as a licensed bank on any of the licensing sites even in private banking. ? First Union Trust wants me to deposit $12,000 Cdn to activate an account. They did not stipulate an account number in which to deposit the money to activate the account.
Over these past weeks I have found other things which caused me to ask questions. I guess any 'normal' person would beg, borrow or steal $12,000 to claim $18M but to me money is not a God. It helps life along the way but I will never willingly go into a debt, which I know could cause me financial stress for many years to come. With all our assets we are probably worth 1/2M$ but I am not willing to jeopardize certainty for a possibility. Our wants are few, we are comfortable, live in peace of mind and enjoy our lives now. Any extra cash would go to making other lives more comfortable and helping someone else like my sister in law who would benefit from a house in a different locale.
I feel deeply for you whose life can be nothing but stressful. You too would benefit by getting out of the position you are in and (I don't know how old you are) living a longer happier life. Affluence, position and stress to me do not compute to a life being lived to the full. If you are who you say you are you are Gabriel John Barley and your FSA ref. No. is XXXX. If this were so I would consider you to be a valuable friend. If this is not so then I am correct in assuming that we part ways.
We are now at the end of the road. I suggest to you that you fund the account to make it active.(I cannot, in all honesty raise that kind of cash.) Initiate it so that any expenses are taken care of, take what is justly yours (I could never spend $9M even if I had a longer life expectancy and my sister in law would have a heart attack if I offered her $1M). I am willing to meet with you to facilitate the conclusion successfully. You need to re-evaluate your life, which would, I am sure, make your family much happier and be so much more beneficial to you. Life is too short, I know from personal experience, to waste it on trying for the moon and stars and living it in a rat race rather than stopping to smell the roses.
With sympathy
Penny


INSTALLMENT 5

GABRIEL BARLEY

Date: Mon, 26 May 2003 18:26:20 +0100 (BST)
From: Gabriel Barley privatemorley©yahoo.com
To: Penny Wise
Subject: [No Subject]
Penny,
I have read and re-read many times your mails.
Penny, i can not say more than i have expect to tell you that as not all dreams come true so some of them come true. do not be a pessimist and know that lack of faith kills the chances of any dreams ever getting actualised.
call FUT register your position with the, but i will tell you with confidence that it all rests with you.
Gabriel


PENNY WISE

Tuesday, May 27, 2003
Attention: Paul Adams, First Union Trust, 14, Churchgate, London, EC2 4TH
Dear Sir,
Further to our telephone conversation this afternoon
.I would be pleased if you would consider accepting my request that the $18M USD, expected by me as an inheritance, to be an opening deposit at your bank. On receiving the account number I will contact the source and the money should be in the account within one week.
Yours truly
Penny Wise


PENNY WISE

Penny Wise to Gabriel Barley:

Hi! Gabriel, I received a phone call from Paul Adams, FUT. He asked me to fax a letter requesting that they accept the $18M as a deposit to activate the account. This I did. He will send me the account number tomorrow and we go from there. Arrangements changed again! Before, he told me this would cause huge tax problems. Now he has changed his mind. I will send you the account number as soon as I receive it and you can go from there.
I will be glad when this is all over and the sooner the better. Even if I get nothing at least I will only be out phone calls and an unused, at the moment, passport.
Regards
Penny


GABRIEL BARLEY

Date: Wed, 28 May 2003 07:32:56 +0100 (BST)
From: Gabriel Barley privatemorley@yahoo.com
To: Penny Wise
Subject: Re: Phone call

You can not expect me absorb very single dose of stress that come our way.i need for you to demonstrate commitment and faith in what you do. i have family obligations and much more i can not expose to you that i have to shoulder. Penny, know too that Langer is not an accomplice in this, he is not our team member. his obligations to us are limiteed and stop at getting our money to your account.
PIs do not pass all responsibilities to me. apart from my poor financial state, i can not readily move money back and forth. no matter how small. we are close to concluding this thing i can not leave any trace between me and you and sending money to FUT by me is just a red flag ,penny, do this with me, sort out all problems standing in our weayand i will take care of my part. you have to stop making this thing out as if you are the unwilling,reluctant partner. show some faith and strength. you will be rewarded but you must first step with faith. I just can not do this alone. Sort out the account opening and give me the ACCURATE details I need.

(Getting really sloppy typing).

May 30: I receive the account number and code from the accounts department!

"ACCOUNTS DEPARTMENT"

Date: Fri1 30 May 2003 10:33:37 +0100
From: Accounts Department [accounts@firstuniontrusLcom]
To: Penny Wise
Subject: YOUR ACCOUNT DETAILS: PENNY WISE
ATTENTION: PENNY WISE
Dear Madam,
Your Account has been created and Account Numbers have been generated for you.
The details are:
SORT CODE. 05-02-84
ACCOUNT NUMBER: 600661
Thank You
ACCOUNTS DEPARTMENT
FIRST UNION TRUST


LAWRENCE SMITH ("First Union Trust")

Date: Fri, 30 May 2003 17:46:30 +0100
From: Lawrence Smith [Iawrencesmith@firstuniontrust.com] ~
To: Penny Wise
Subject: Account Status
I have spoken to the accounts department and they inform me that they have sent you your account number and details.
What needs to be done is for you to make a deposit and your account becomes fully active meaning you can start making transactions.
After this deposit is recieved you will recieve your online access information.
I expect a call from you regarding this, however I will call you before I leave the office today.
Regards
Lawrence Smith

(Here I get a Well Done! Commendation from Morley!)


LAWRENCE SMITH ("First Union Trust")

Date: Mon, 2 Jun 2003 21:31:16 +0100
From: Lawrence Smith Iawrencesmith@firstuniontrustcom
To: Penny Wise
Subject: Confirmation Of Deposit
Dear Madam,
This is to confirm that a deposit via Telegraphic Transfer (IT) was made into your account today by Keystone Finance.
The total amount comes to US$18,140,000:00 (Eighteen Million One Hundred and Fourty Thousand
United States Dollars Only).
The funds have been credited to your account and you should recieve your online account access within 24 Hours of this confirmation.
Please call me on my direct line 44-776 812 8598 if you have any further queries.
Yours
Lawrence Smith


"ACCOUNTS DEPARTMENT"

Date: Tue, 3 Jun 2003 13:01:30 +0100
From: Accounts Department accounts@firsturnontrust.com
To: Penny Wise
Subject: Your Online Access Details: penny Wise

03-06-03
ATTENTION PENNY WISE
Dear Madam,
Your Secure online details are as follows:
USERNA ME: alfrin
PASSWORD: zxW742vx
To access your account, you need to go to the online banking section of our website and click on account access then enter the following details.
Upon confirmation of this access to the account department by your account officer, we will
activate all the other buttons.
Please get in touch with your account officer immediately to confirm your access.
Mr. Lawrence Smith
E-Mail:

(MY account is set up in the name of Alfred Ringold! Phone call to Lawrence Smith - what are you playing at?)


LAWRENCE SMITH ("First Union Trust")

Date: Tue, 3 Jun 2003 15:34:32 +0100
From: Lawrence Smith lawrencesmith@firstuniontrustcom _
To: Penny Wise
Subject: Acccount Logon
Dear Penny,
I have just had a word with the accounts-logon/IT people and they explained to me that it is a dummy account set up under that name to ensure two things:
I That Your Internet browser is set up to Access our on-line system and
2. To Instal our banking software on your PC's registry automatically.
In effect that account is used to update your system to our records, what will happen is that, as I have spoken to them that you were able to access the system, they will now send your account login information to you and this will disable the dummy account.
I suggest you wait for their e-mail which will be sometime this afternoon then call me. Thank YOU
Lawrence


GABRIEL BARLEY

Date: Tue, 3 Jun 2003 17:11:04 ±0100 (BST) To: Penny Wise Subject: Instructions My account details: Bank Name: KBC Bank Address: . 4 Rond Point Schumam Brussels 1040 Belgium Account Name: Nordica Design Group/Bjorn Helme Lundberg. Account NumberÑ 426446 775207 Swift CodeÑKRE D BBB 100. First transfer the sum of 2 Million US$ to this account. Hold on to the balance. Hold on to the balance untill when i can find some where to put it! Gabriel. (He's in an awful hurry to get his hands on some of his half but he hasn't paid the cash to activate the account yet - and I surely was not going to.)


LAWRENCE SMITH ("First Union Trust")

Date: Wed, 4 Jun 2003 09:46:52 +0100
From: Lawrence Smith laswrencesmith@firstuniontrust.com
To: Penny Wise
Subject: Re: Acccount Logon
Dear Penny,
I guess its all sorted now. Otherwise please call me.
Also send me an e-mail with details of what uou plan to achieve with your funds, as I would not want to believe you will leave such a huge amount in your account doing nothing. There are a couple of investments we can talk about.
Call me if there's anything you want to talk about.
Regards
Lawrence

(Nice man is Lawrence!
(I get a phone call from Mr. Adams! When am I going to pay the money to activate the account! I told him to use the $18M. Can't do that! So I tell him I will fly to London on the Thursday, use my credit cards, activate the account and pay off my credit cards immediately out of the $18+. Then we would talk about the rest. He informs me that the Bank of England and Barclay's are querying my right to the money and that they are threatening to send the money back to Keystone on the following Monday. I told him he'd better hold it there until Thursday when I arrived and I could not change my date of flight. We had rather a heated argument.)

LAWRENCE SMITH ("First Union Trust")

Date: Thu, 5 Jun 2003 16:39:25 +0100
From: Lawrence Smith [lawrencesmith@firstuniontrust.com]
To: Penny Wise
Subject: Call
Hi
I hope you have spoken with Mr Adams, whats the position. You understand that he is my senior and I cannot show too much of an interest, but I would like regular updates from you, so we can rub minds together.
I am in the office till 6pm today
Regards
Lawrence

( I sure did speak with him!) (I get a frantic phone call not to use the privatemorley@yahoo.com)


GABRIEL BARLEY

Date: Mon, 9 Jun 2003 19:24:43 +0100 (BST)
From: Gabriel Barley privatemorley@yahoo.com
To: Penny Wise
Subject: false alarm
Penny,
I have been able to conclude that my anxiety was misplaced. It was a false alarm. the message that came into my box that got me worried was a mail sent to a wrong box. i mis construed the info it contained and got carried away!
so we are still OK, you can call and reach me now. sorry for the way i cut off our conversation this morning, things make more sense now.
Gabriel

(I also got a one liner from Lawrence asking "What's Up?"


GABRIEL BARLEY

Date: Tue, 10 Jun 2003 12:50:12 +0100 (BST)
From: Gabriel Barley [privatemorley@yahoo.com]
To: Penny Wise
Subject: INSTRUCTIONS'!!!
Penny, the money is not in London any more but Amsterdam. The worst has happened it has been recalled.
you will have to be brave and confront the demands of Amsterdam, pls call Keystone at +31 61 3796662.
Introduce yourself and ask them to pls inform you of the status of the Moser Wise file, once your introduce yourself and present ID, they should attend to you. once this is done, you can table the request for them to transfer the initial balance we need to your account at FUT and mmove on from there. do this and get back to me. move quickly before an administrative uproar ensues!!
Gabriel.


GABRIEL BARLEY

Date: Wed, 11 Jun 2003 23:46:14 +0100 (BST)
From: Gabriel Barley [privatemorley@yahoo.com]
To: Penny Wise
Subject: contact/progress
Penny, PIs choke them into a response as i said, keep trying. i know you say its difficult to get through to them but then you can email them, this site www.kfdirect.com should be of help in communication.
lets leave thinsg till morrow and i will be in touch. sleep well.
Gabriel.

(Things are coming to a close and we have panic!)


FINAL INSTALLMENT

PENNY WISE

Langer needs the following:
1) my identification
2) letter of authority provided by Barclay's
3)certificate of deposit or deposit slip ( I guess Moser's original) but you should know. Or could that be for my bank account? Just received a letter from FUT telling me that account is closed.
4)my telephone & fax number and correct mailing address
Do you send me the certificate and deposit slip or can you send them to him?
I don't appreciate shocks - I do not need a 2nd heart attack and please don't play mind games - I am not into those.


GABRIEL BARLEY

Date: Wed, 11 Jun 2003 19:53:49 +0100 (BST)
From: Gabriel Barley [privatemorley@yahoo.com]

Penny.
I cannot get you the letter of authority. I cant, I would have to go deep into forbidden waters to do that. It's not possible for me to get this for you. if I have to process this letter it would take us way back into waters we had long swam through. That's a fact; we will have to get from start to finish without the document. You will have to explain to Langer that the document is available but not immediately. Tell him it's with your son and he is on vacation and that if he would go ahead with the process you would have the document sent to him in due course. But you can tell him to sift from communication he must have received on this matter and he should check for client file reference number KSF 39060 C37 M. with this number he can get to the info he needs. penny, you see why I wanted to avoid KF in the first place?! They are too thorough and precise.
About the deposit slip, I can get that. That's the confirmation of deposit issued to Moser, I have a copy. What is your fax number?, I can fax it out to you first thing in the morning. So make sure you send me your fax number so I can send it to you first thing tomorrow.
You can send your ID.
You wont get a second heart aftack, that I promise you. nothing good comes easy , we all must pay our dues, I tell you now that I have, and I am. Think of it as a birth, after the labor comes the child. And I a beautiful and promising child it will be
Penny, how soon before this gets done? Pressure this guy if you can and get him going, from what I have heard, they work rather slowly , push him on.I am in bad financial, emotional and physical state. the resolution of the project means much to me.


(Really ticked me off when he wanted me to involve my son in a lie - I taught my kids what the consequences were for lying - many moons ago)

I did receive a document by fax but my machine did a bad print job so here are some the details
:

É.HEADER MISSINGÉÉ
INV display of selected messages
DEPOSIT CERTIFICATION DATA
ÉÉlines missing
To: IRVTU83NXXXX
Code ref: R C 007500 XXX037000XX
Remit Code/codeXXY000324ZCZC
Delivery monitoring: OK
Obsolescence: 24 hrs.
Test Block:
Last message displayed, enter any function for summary screen
Terminal: LTA 05328
INV Display of solution message 5th April 2002
Normal Block Code: XXY 00032
:20/transaction number; KSF39006054/C37M
:32A/valid date, currency and amount: 02-04-05/$/8,370,000.00
:50/ordering customer: BARCLAYS BANK
:51/drawing bank: PRIVATE BANKING ACCOUNT -BARCLAYS BANK PLC
LOMBARD STREET
EC3P 3AH, ENGLAND
PRIVATE INVESTMENT FUND
:52d/depositor: BARCLAYS PRIVATE BANKING
:Depositor certificate BPB/KSF-11928-WE
:58/Beneficiary Name and Addr. MOSER ÔWISE'
2 AVENUE DE FLEUR
STOCKEL, BRUSSELS, BELGIUM
(This address DOES exist!) :62 Details of Deposit MULTIPLE IDENTIFICATION DEPOSIT
Last message displayed, enter any function key for summary screen
Unit ID
Terminal LTA05328
Func: INC Display of selected messages 5th April, 2002 FRI. 15:47:40
Key Trailer block KEYSTONE FIDUCIARY
(4: :MAC/Message Authentification Code :58C2E8CO/OK
CHK/Checksum Result :2B5D444AE9A6/OK

ACKNOWLEDGEMENT
NETWORK RESPONSES TO SW 20001FMMRA30008083500 IS :/OK
(1:F21OKNKXXX2119678442
(4: Response Text Block
:177/Date & Time :05/04/02 FRI 15:47:40
:451/acceptance/rejection/stopped :acceptance

XXX-START-DEPOSIT CONFIRMATION FOR THE SUM OF UNITED STATES DOLLARS US$8,370,000.00 CONFIRMED RECEIPT BY MR KLAUS LANGER. ALL CLAIMS SHOULD BE DIRECTED TO MR. KLAUS LANGER, KEYSTONE FIDUCIARY, AMSTERDAM. +31 61 96 9662 -
END XXX

Gabriel


GABRIEL BARLEY

Date: Wed, 11 Jun 2003 23:46:14 +0100 (BST)
From: Gabriel Barley [privatemorley@yahoo.com]
To: Penny Wise
Subject: contact/progress
Penny, PIs choke them into a response as i said, keep trying. i know you say its difficult to get through to them but then you can email them, this site www.kfdirect.com should be of help in communication. lets leave thinsg till morrow and i will be in touch. sleep well.
Gabriel.


I found the kfdirect website - but only through Morley. Nice site but several of the links do not connect. Strange thing too - considering it is supposed to be one of the biggest banks in the Netherlands (according to them) and has 47 branches across the country - the only language used is English. The only time I have connected in Dutch was an answering machine which directed me to a cell phone. I wonder how they knew I only understand English and French? The Chairman of the bank is Macauley Shagaya and the website was launched, strangely enough - through Host$save on JUNE 5, 2003!

I sent Mr. Langer the info he required - by email and then had a REALLY great conversation with him at 4:00 a.m. my timeÉ. And at the end of the conversation I emailed Morley ..by this time I was a trifle ticked off - to say the least - I am not usually awake until 9:00 a.m. or so and by lunch time, after coffee, I am quite pleasantÉ. But do not make me cross before lunch!!!



PENNY WISE

I have just spoken with Klaus Langer. Same old story! I have to go to Amsterdam. I will be picked up at the airport and taken to an hotel to rest. I will then be picked up and taken to Langer's office, provide identification, a letter of authorization from Barclay's and 15,718.27 Euros ($25,929.7 Can - $16,947.5 US) . Sign the paperwork and be taken to the vaults and given a box with $8.37M US in cash. I can the take it away, deposit or do what I like with it!!! If I do not collect it it will stay there and I WILL BE CHARGED STORAGE FEES!!!! I really wonder WHAT would be in the box (crate)????
Big deal!!! What happened to the other $10M????
YOU COLLECT IT! I was born in 1930 not 2003!!
END OF STORY!!!! Nice while it lasted!!!.


GABRIEL BARLEY

WHAT ARE YOU TALKING ABOUT?
I DONT UNDERSTAND A THING YOU ARE GOING ON ABOUT.


That is the last communication I had with any of them. No 1. son reckons I should keep up the good work and ask Morley if he still wants to play! I think he wishes he had been with your other Kindly Contributor on his visit to Amsterdam!
Through your site and it's links I discovered that the players are connected to xxxxxxxxx, Linkserve 22, Akin Adesola. FATB Plaza. Victoria Island, Lagos, Nigeria.


[ScamO Note: Linkserve is one of the larger ISPs in Lagos, and the name our intrepid journalist supplied is probably the guy who gets stuck with the abuse complaints. We do not assume that the cybercafes are in league with scammers. If you know different, please enlighten us!]

I do have some headers which I have traced, all the communications you have seen plus a few more, all the phone numbers I have called etcÉ lots to hand over to the Met & RCMP and through my newspaper connections I'm probably going to do a few articles to try to warn others - especially those who allow children unsupervised access to email and the Internet. I had fun anyway. Thanks guys - if you use it -fine - if not - I had a great time putting it together.



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