Tag Archives: false statements

Recap and Announcement

Updated: Feb 2016:  forgot to provide the new website mentioned below.  It is www.testingmaryland.com  Please visit, and let us know what you think.

 

This site was dedicated to learning about and exploring the truth concerning one person’s experience with another. The site expanded in ways that we didn’t originally plan for, and it wasn’t long before we outgrew the original intent while simultaneously reaching our goal. This site focused on one person, and what they were able seemingly able to achieve.

We originally sought to explore the following with our Pisces, Gail R. Proctor:

Here are the posts that have been done, that address each of the subject areas.

It all surfaced on mortgage applications for houses that were secretively in bankruptcy:

http://www.tocatchafish.net/being-stuck-in-fraud/

 

Which led to the REAL fake husband of Ms. Gail Renai Proctor’s that appears to be:  http://www.tocatchafish.net/bah-fraud-solve/

 

Which led to finding this:

http://www.tocatchafish.net/she-claims-she-is-married/

http://www.tocatchafish.net/mr-black-will-be-turning-60/

 

Is there disability fraud going on?

http://www.tocatchafish.net/maryland_and_full_disability/

 

False claims of Florida residency in order to avoid paying Maryland taxes

http://www.tocatchafish.net/maryland-tax-evasion/

 

Continuing to operate a business in Maryland without paying its MD personal property tax or filing a company tax returns with IRS

http://www.tocatchafish.net/md_corp_fraud/

 

Making false statements in order to try to quiet someone who knows your Federal fraud:

http://www.tocatchafish.net/pretend_victim/

 

Committing Bankruptcy fraud (same old pattern of fraudulent statements):

http://www.tocatchafish.net/bankruptcy-fraud/

 

The original questions we sought to answer were:

1) How easy is it for someone to defraud the Federal Government for years undetected?

2) Is it possible for someone to create a person out of thin air and get financial benefit from it for years?

3) Can a person take paperwork from a Federal agency, and submit an altered version of it to a related State agency, undetected, and get financial benefit?

4) Can a person claim a disability that doesn’t exist, and get paid for it?

5) How easy is it to conceal assets, stockpile money and give false statements on your Federal bankruptcy schedules under the alleged “penalty of perjury”?

6) How easy is it to claim that you live in a State that has no income taxes, in order to avoid paying taxes in another State where you do live (that has taxes)?

 

Clearly, the problem isn’t just the person who is doing the acts, but the people who help enable it and the systems that allow it. Hence, the creation of a new site with a new purpose! Stay tuned as we finalize that site and its’ contents. We will make the announcement on this one, and link the two of them together.

Maryland Insurance Fraud Raises Rates

Insurance is mandatory for a homeowner to have on a house that has a mortgage. You won’t be able to go to settlement without having an insurance policy (if you have a lender), and if you lose the coverage, it will be placed forcibly by the mortgage company. Every homeowner’s policy is priced in accordance with where the house is located, what is in the house, what materials it is made of, and who the homeowner is. In addition, your premium depends on the overall cost of doing business for the insurance company.

It is therefore in the best interests of the homeowners to be vigilant in their claims process, since it ultimately will affect them financially in the long run. I would also say that it is in the best interests of the insurance companies to be equally vigilant. They seem to agree. Insurance fraud is estimated to be increasing household insurance premiums by an average of $1000 per year.

In the state of Maryland, the Maryland Insurance Administration is, according to its’ website, an “independent state agency that regulates Maryland’s insurance industry and protects consumers by enforcing insurance laws.” One of their responsibilities is to “Investigate acts of insurance fraud”. So what is insurance fraud? It happens when someone files a false claim for damages, or does something to deceive an insurance company in order to profit financially. I should know. I am indirectly involved in something that looks like fraud to me.

I was notified about an alleged fire that happened at one of the houses I co-own. Except I wasn’t told about it until I was asked to sign the insurance payout check. Supposedly, a fire happened next door, causing electrical damage to our property. Supposedly, a guy was paid to put new electrical wiring into the damaged house, and fix the walls he was going to have to tear out in order to do so. The receipt I was provided to substantiate the claim differed from the other two versions that had been provided to other parties (one being the insurance company themselves). They had been obviously altered with whiteout by someone. This was just the start of trouble.

I couldn’t quite figure out how a claim was paid on a policy that bore two names, with only one person’s signature approving the claim. The Maryland Fair Plan, which is the insurance company, said (when I pressed the issue) that they actually only needed ONE signature in order to process the claim. Okay, if you say so, though it sounds wrong. But then there was the matter of HOW and WHY did the insurance company leave off the name of our mortgagee from the insurance check? When there is a lien on your car, or a mortgage on your home, the insurance claim check is made out to ALL parties who have an interest in the property. Meaning, your car loan or house note company is going to be on the check. Yet, it wasn’t done in this situation. Hmmm.

What was the most troubling part is when I found out that the electrical work hadn’t actually been done in the kitchen of the house (majority of fire damage), which caused the house to fail its’ inspection with the Housing Choice Voucher folks in Baltimore, which triggered the tenant to be issued a voucher to move (which she did). Clearly, the electrical work that the insurance company thought was done, hadn’t actually been done. Yet, a claim worth almost $4000 had been paid out as if it had been done.

When I tried to inform the insurance company that I was uncomfortable with the circumstances regarding the alleged fire, alleged damages, alleged electrical work, my missing signature, and the mortgage company’s missing name, they acted as if they didn’t understand why I had a problem with any of it. Almost like those sorts of things are routine for them.

“..deceive an insurance company in order to make money”, that’s what the site says. When it looks like fraud, reads like fraud, it likely IS fraud. If that was routine for insurance companies, Why? Do they have any responsibility? They do, if they won’t even take their own policyholders seriously, who are telling them that something is not right. Maybe it needs to be like the story below to get their attention. In the meantime, it got my attention, since my insurance premiums have been raised as a result of the greed of another. See HERE.

You’ll notice in the story, these words: “in good faith — accepted Levonian’s word.” Perhaps that was the largest part of the problem, as this site continues to point out.

For you, Maryland Joint Insurance:

http://www.nytimes.com/1993/07/19/nyregion/a-failure-to-battle-fraud-bleeds-empire-of-millions.html?pagewanted=all&src=pm

http://www.propertycasualty360.com/2013/08/26/where-theres-smoke-theres-fire-red-flags?t=education-training

 

Where There Is Smoke There Is Fire

The military depends on the honesty and integrity of its’ servicemembers, and as it has been written on this site, it is expected.  “I tried to correct my fraud, so I’m innocent of it.” This was essentially the claim of William Morronne, Jr. thanks to his attorneys, and what follows is a troubling story for several reasons.  Apparently, the guy was originally in the Army over 20 years ago as HIMSELF, but got kicked out dishonorably.  Deciding that he should be in the Army regardless of being dishonorably discharged, he took the birth certificate and credentials of his brother and used them in order to enlist in the Army under his brother’s name.  And there he stayed, for 25 years, jumping out of airplanes, getting paid, getting married, buying cars, getting hurt, etc.  I can’t tell from the story what it was that ended up getting this guy caught.  Was it the IRS letters sent to the brother’s name asking him why he didn’t declare the income on his taxes, or was it triggered by him perhaps filing for disability pay for the bad back and PTSD he claims he got as a result of serving (that would be made payable to, who, his brother)?  One has to wonder if the PTSD is real, since so much else wasn’t?

This is a wild story, for sure.  I mean, I don’t think I’d take kindly to learning that someone took my identity and decided to profit financially from it by getting money from the Federal government that technically didn’t belong to either of us.  The REAL Gerald (that is William’s fake identity of his real brother) had his name and social security number used by his brother in order to get what he felt was being withheld from him from the service, I guess. William apparently did this (false statements and fraud) because he couldn’t get back into the Army by any other means.  I’m not sure where this comes from, that gross sense of entitlement that seems to be making it to the headlines more and more (check out yesterday’s Washington Post front pager on the epidemic of “military brass, behaving badly”  and generally thinking that they are above the rules and laws.  I guess some people need to be burned before they realize that hot stoves shouldn’t be touched.

William’s attorneys are an interesting bunch.  They asserted that their client was not guilty, because he TRIED to correct the situation but that the Army wouldn’t let him.  Wait!  Did they really try to use a defense of “I told the Army that I joined fraudulently using my brother’s name, and asked them to correct my fraud, but since they didn’t do it like I asked them, I shouldn’t be held accountable?”  Huh?  That was MY sentence written, not a quote from any story, but here is one that was written: ” Morrone’s lawyers contended that he tried several times through his career to get his identification corrected, but the Army never followed through.”  Never followed through?  THAT is the problem.  That an attorney would try to deflect the blame for the actions of their client onto another party, is appaling.  William valiantly tried to have the Army change his credentials over to his real ones to somehow make it right?  William, you were kicked out for what you did prior, which were YOUR actions.  There wasn’t supposed to be any “going back”.  Maybe the legal system would make things seem more like actual justice if they encouraged the same thing as written on the back of many parking tickets: you can “admit”, “deny”, or “admit with explanation”.  When people just flat out lie about things that are easily proveable, it clogs the system, fattens the pockets of unscrupulous attorneys (of which many judges used to be), and adds to the distrust that citizens have of it.

He also got caught committing BAH fraud for failing to disclose that his wife no longer lived with him (they divorced).  As soon as you no longer have the person residing with you, regardless of whether or not you ever divorce, you are supposed to notify command in writing of the change with the appropriate form. More HERE.  He is paying that back, according to the story.

Another writeup of the story can be found by clicking HERE.

admit no evil

Throwing Stones From Glass Houses

It’s all over the news: Virginia’s ex-Governor, Bob McDonnell and his wife Maureen have been indicted by the US Attorney’s office on multiple counts including failing to disclose gifts and loans as required by law.  This man, who was once thought to have a squeaky clean enough image that made him a name thrown around as a possible candidate for the 2016 Presidential election, is now having to come up with a defense for having made false statements and flat-out disobeying clear government rules.

As it often happens, people underestimate others.  As it also often happens, people don’t push the fast-forward button down long enough to do an assessment of what can possibly happen if they go down the path in which they have decided to travel.  So caught up in their immediate goal are they, that they often times don’t think of how the decisions they are making today can come right back and bite them in the rear tomorrow.  

I don’t think that Bob McDonnell thought that he had anything to worry about with his old chef, Mr. Schneider.  Apparently, Mr. Schneider, who was hired to be the chef at the Governor’s mansion, had his eyes and ears so open that he could have qualified as an NSA data collection source.  He wasn’t the stupid chef in the kitchen that people may have thought he was.  In fact, he was so observant of how people in the mansion were treating others, that he must have understood the concept that what you see someone doing, shows you what they are capable of doing.  You can read the recent story written about him HERE.  He took photos of things he saw and experienced, likely thinking that he may need them in case anyone started throwing stones at him.  A quote from the linked article has him saying, “If they ever come after me, I’m going to sing like a canary.”

He didn’t have to wait long for those stones, and oh what a melody he is singing.

Not music to the McDonnell’s ears, I can well imagine, but a nice tune for the US Attorney.  McDonnell wasn’t exactly being discreet about his illegal activities either.  A picture on Facebook of him holding a bottle of a supplement that his donor/friend (Star Scientific ex-exec Jonnie Williams, Sr) wanted him to help launch via the easy road to riches. (Note to self Bob, when your “friend” is trying to drag you along an unsavory path, you might want to reconsider the use of the word).  Then there’s the Rolex watch that his donor-buddy bought that Bob failed to report. (Another note Bob: if the chef is right and you really are happy with Prego, tell your wife to get you a Timex that you wouldn’t have had to disclose at all).  Finally, but not really since there is plenty more for you to read in the linked stories, is the daughter’s wedding food.  McDonnell, when asked, insisted that his daughter had handled everything about that now-famous wedding spread.  In fact, Daddy Warbucks (aka Jonnie Williams) forked over $15k for that wedding dinner.  The backpeddling began when a contract for the catering surfaced bearing the Governor’s signature and handwritten notes along the border.  Oh, and then there was the deposit check also signed by the Governor.  (Beep beep! That’s the sound of the bus that Bob tried to throw his daughter under.)

Bomp Bomp!  And that is the sound of the tractor trailer that the chef was driving.  People will ultimately think what they will about the folks on either side of this fiasco.  I suspect that neither party thought it would go as far as it has.  People who know MY story, know why this particular story resonates with me as it does.  There are, after all, many similarities.  How cute! Their real estate company was called MoBo (combination of their names). The moral I see in the story of the Governor and the chef is this: One should not throw stones when they live in glass houses.  You definitely shouldn’t throw them if you live in the Governor’s mansion and have a lot to lose.  Some have previously commented that my business partner had a great deal to lose by putting herself and her business and dealings “out there” in the way that she has in all sorts of public legal and government forums.  Glass house.  And she certainly threw a lot of stones from it.

I like the chef’s perspective.  I like how he protected himself, and I like how he (like me) has saved a little sumthin-sumthin in case he needs it for the future.  He said, “He plans on keeping it private—unless Virginia comes after him again.”  With a book in the future plans, perhaps he will get a Rolex of his own when all is said and done.  For now, it sounds like he is doing okay.  Bob and Maureen are another matter, as well as Ken Cuccinelli, the attorney who was willing to put himself in the middle of the mess that ultimately cast a disparaging light on who HE was.  The Virginia voters didn’t like it.  And by the way, Mo, not cool about the false statements to investigators about making payments on a loan or that you signed paperwork for one.  You didn’t know they can access your emails from years ago?  You win points for dressing your husband, and for that Rolex.  As the saying goes, he looks “casket sharp”. 

For you lawyers, the indictment can be found HERE

stones

http://www.usatoday.com/story/opinion/2014/01/23/bob-mcdonnell-indicted-corruption-campaign-finance-editorials-debates/4806865/

http://www.washingtonpost.com/local/bob-mcdonnell-was-a-man-in-denial-about-legal-risks-of-taking-gifts/2014/01/22/9261eb3a-83aa-11e3-8099-9181471f7aaf_story.html

 http://www.bloomberg.com/news/2013-08-07/chef-skewers-virginia-governor-and-attorney-general.html

http://www.washingtonpost.com/politics/donor-bought-rolex-watch-for-virginia-gov-mcdonnell-people-familiar-with-gift-say/2013/06/25/72ddffa2-ddd2-11e2-b197-f248b21f94c4_story.html

http://www.newrepublic.com/article/112876/bob-mcdonnells-wedding-scandal-deeps-and-2016-hopes-vanish#