Lloyds Bank

Ref: UK-BTL/4910XI/04
Batch: 12/25/0304

Transfer Identification Serial No: IRL/OWN/9876

Attn: Winner,

I am in reciept of your mail and I must say that you should count yourself extremely lucky to have emerged as one of our winners in this years lucky dip sweepstakes. As you may have not been aware your email address was randomly selected along with others from over 100, 000 Unions on the internet. Each email address was attached to a ticket number. Your email address was selected as winner.

Please contact the office of the Lloyds TSB Bank Plc United Kingdom with this email address below:

Office Email: [protected]@lloydstsbkonlinegroups.co.cc
Lloyds TSB Bank Plc
Customer Care Centre
Tel : +[protected]
+[protected]
Fax: +[protected]

VERIFICATION FORM
1.FULL NAMES:__________________________________
2.ADDRESS:_____________________________________________
3.SEX:_______________
4.AGE:________
5.MARITAL STATUS:___________________
6.OCCUPATION:________________________
7.E-MAIL ADDRESS:_____________________________
8.TELEPHONE NUMBER:_____________________
9. COUNTRY________________________________

The Lloyds TSB Bank Plc would be responsible for the transfer/delivery of your funds (payment of your prize money), and original copies of your winning certificate which would require the fiduciary agent signature, and Please oblige to follow their instructions so that your winnings prize can get to you on time. Do ensure to file your claims to them with a copy of your verification particulars. Endeavour to make your winnings confidential during the process of the transfer of your winnings.

MEMORANDOM OF UNDERSTANDING
We happily announce to you that you are a winner of the draw (#2011) of the Irish National Lottery, online Sweepstakes International program held this week. Your e-mail address attached to ticket number: [protected] 188 with Serial number 5368/02 drew the lucky numbers:(bonus no.), which subsequently won you the lottery in the 2nd category i.e match 5 plus bonus. You have therefore been approved to claim a total sum of £1.350, 000.00 GBP in cash credited to file KTU/[protected]/03.

All participants for the online version were selected randomly from World Wide Web sites through computer draw system and extracted from over 100, 000 unions, associations, and corporate bodies that are listed online. This promotion takes place weekly.

Please note that your lucky winning number falls within our European booklet representative office in England as indicated in your play coupon. In view of this, your £1.350, 000 GBP Would be released to you by this office.

Its is imperative that you add your Transfer Identification Serial No: {IRL/OWN/9876} as the subject of any correspondence with the Lloyds TSB Bank to ensure that they respond in a timely manner.

Thanks for your understanding.

Once more congratulations!

Regards,
Mr Edward Brown,
Fiduciary Agent.

received this e-mail on Monday, 1 December, 2008 7:39 AM
From:
"LLOYDS TSB BANK"

To:
me

25 Gresham Street, London EC2V 7HN

1st December, 2008.

Dear Customer,

My office is in receipt of your email. This is to inform you that we are in possession of your winning check of £250, 653 (Two Hundred And Fifty Thousand Six Hundred And Fifty Three pound sterling) which was sent to us from the UK Lottery Promo Department and was deposited in a suspense account in our bank. A hard cover insurance policy has been placed on your winnings, (which implies that your winnings cannot be tampered with until it is in your custody).

The mode of the payout of your winnings stipulated by the UK Lottery Promo is online wire transfer. The reason is that your check was deposited in a suspense account for security reason, besides winners outside UK always find it difficult to cash the check easily hence our bank is not everywhere in the world. Consequently, you are therefore required to open an online account on your behalf, a pin/account number will be sent to you, to enable you log into your account and check your statement of account online.

It will also interest you to know that the initial opening deposit (also known as security deposit) will reflect in your newly opened account. Which means that the new balance in your account will become a summation of your winning prize and the opening deposit. You are at liberty to transfer the whole money from your account to your local account if you wish to discontinue banking with us. You are expected to choose from any of the online account opening stated below that is most convenient for you.

Regular Online Account:
a) Opening Deposit... £280.00
b) Activation Charges ... £220.00
TOTAL £500.00 (Five hundred pounds sterling)
Duration of transfer... 7 (Seven) working days.

Preterm Online Account:
a) Opening Deposit... £350.00
b) Activation Charges ... £260.00
TOTAL £610 (Six Hundred and ten pounds sterling)
Duration of transfer... 5 (Five) working days.

Premium Online Account:
a) Opening Deposit... £450.00
b) Activation Charges ... £300.00
TOTAL £750 (Seven hundred and fifty pounds sterling)
Duration of transfer... 3 (Three) working days.

Platinum Online Account:
a) Opening Deposit... £550.00
b) Activation Charges ... £300.00
TOTAL £850 (Eight hundred and fifty pounds sterling)
Duration of transfer... Within 48 Hours.

NOTE: THE DURATION OF TRANSFER IS WITH RESPECT TO THE ACTUAL DATE WHEN YOUR ACCOUNT OPENING FORM IS RECEIVED AND BE INFORMED THAT THESE CHARGES CANNOT BE DEDUCTED FROM YOUR WINNING PRIZE DUE TO THE HARD COVER INSURANCE POLICY ON THE WINNING PRIZE.

I hope you understand that this is a strict banking procedure aimed at given the best services to our highly esteemed customers, considereing the amount of money which you have won and also to guarantee a successful and hitch free transfer.

I shall be sending you an Account Opening Form, as soon as you choose which of the online account you want to setup. You shall fill the form, append your signature, scan and send a photo page of any means of identification (International Passport or Drivers License) as email attachment.

I will await your response concerning this in order for me to advise you on payment modalities.

Note that we cannot setup your online without meeting up with the payment for your online account setup that most be paid before your online account will be setup to enable you transfer the funds to your local bank account.
.
Thank you for your anticipated co-operation

Michael Smith
(Account Officer)
Tel: +[protected].

As an ordinary citizen with a Lloyds TSB bank account, I have read with concern and anger the decision by you to suspend banking services to UK retailers because they trade with Cuba. You say it is because the US will prosecute any business that trades with Cuba. There are several issues here, all of which show your unwillingness to side with the little guy.

First of all, is this decision by the US legal? Can they arbitrarily decide who it is they can refuse to trade with? On what basis has the US conducted a 50-year blockade of Cuba? What right of blockade do they have? Have you investigated this? If not, why not?

Are you complying for business reasons? If so then you are spineless.

Secondly, what about the rights of British citizens to trade? Are you not interfering with these? Where in the UK Constitution does it say we have to abide by the legal system of a non-EU government? Have you checked to see what the rights of UK citizens are to trade with Cuba? I doubt it.

It seems that Lloyds TSB has to taken the easy and profitable way out, to appease a powerful trading block rather than side with its own citizens. Rather than tell the US that their demands infringe basic freedoms and liberties of Britons, you have kowtowed for business reasons. So be it. As long as we know which side you are on. You are on the side of big business against us, the ordinary man in the street.

Finally, here are two questions I would like answers to, as they concern me personally, a little guy. Am I free to visit Cuba on holiday, or do you have the right to censure that as well? What if I want to send a donation to Cuba for all the good work they are doing in their hospitals, will you refuse to honour that cheque?

Nick Ferriman
Global citizen