Oh look, another masterpiece has landed in the inbox.
“Dear Beneficiary” — because nothing screams legitimacy like addressing someone you’ve never met with the warmth of a 1998 chain letter.
Mr. Roy Kessier, yes, with two s’s, because one obviously wasn’t pretentious enough, from the ultra-exclusive partnership of European Investment Bank Luxembourg and the International Monetary Fund has personally been “instructed” to shower you with unclaimed millions. How thoughtful.
He’s so considerate he’s even offering to send “documentation” — presumably the kind printed on stolen letterhead using Comic Sans and a free Canva template. And the cherry on top? He can’t even be bothered to tell you how much money is supposedly sitting in “your name”. Just a vague “the funds deposited in your name” — like you’re supposed to nod along and go “oh yeah, those funds, totally forgot about my secret IMF jackpot”.
This is peak 419 evolution: they’ve become so lazy they don’t even pretend to invent a believable story anymore. No dead oil baron, no plane crash, no cancer-stricken princess, no hacked diplomat, no lottery you never entered — just pure, unfiltered “please confirm you’re greedy so I can start the fee phase”.
And the email address? roykessier@outlook.com. Truly the hallmark of a top-tier international financial institution. I bet the IMF board meetings are held in a WhatsApp group with that exact domain.
So here’s the translation for anyone still reading with even a sliver of hope:
– There are no funds.
– There is no beneficiary.
– There is no disbursement.
– There is only Roy (probably sitting in a cybercafé with three other “Kessiers”) waiting for you to reply so the real fun can begin:
→ fake bank statements
→ fake transfer screenshots
→ “small administrative fee of only 285 USD to release your 4.8 million”
→ “tax clearance of 1,200 USD”
→ “anti-terrorism certificate fee”
→ and eventually your entire life savings, one Western Union transfer at a time.
If you reply to this walking red flag, congratulations — you’ve just volunteered to sponsor Roy’s next iPhone, his data bundle, and probably the Red Bull he’s drinking while laughing at how easy Western pensioners still are in 2026.
Do not reply.
Do not click anything.
Do not send one cent.
Forward this garbage to your local fraud unit, or just post it everywhere so the next victim sees it before they bite.
Roy Kessier isn’t waiting for your instructions.
He’s waiting for your wallet.
And he’s already lost this round simply by sending the dumbest, most transparent scam email of the week.
Stay savage, folks. These clowns are running out of ideas — let’s make sure they run out of victims too. 😈
The useless mail:
Dear Beneficiary,
I have been instructed to arrange the due payments for the funds
deposited in your name. Please let me know if you require any
documentation or have specific instructions regarding disbursement.
Can you reply me so we can confirm the funds deposited In your name
Mr Roy Kessier
roykessier@outlook.com
Thank you
—
European Investment Bank Luxembourg and the International Monetary Fund
(IMF).
