FBI Mortgage Fraud Task Force – Implications for Real Estate Property Appraisers in Florida

The FBI provided insight into the breadth and depth of mortgage fraud crimes perpetrated against the United States and its citizens, Florida being first and foremost on the list. Current mortgage fraud projections, issues, and hot spots in the troubled U.S. economy have enormous implications to the banking industry and real estate property appraisers in particular.

[b]Mid-State Appraisals founder Paul Davis is a trusted and reputable property appraiser[/b] frequently called upon by Central Florida’s banks, homeowners, and real estate investors to assess property values. A builder for over 20 years and also a real estate broker, Paul Davis brings a wealth of knowledge to the table as an appraiser.

http://www.midstateappraisals.org

midstateappraisals@earthlink.net

A combined effort between banks and real estate property appraisers is needed to adequately identify, prevent, report, and thwart mortgage fraud activity. The FBI’s Financial Crimes Criminal Investigative Division (CID) and Financial Crimes Intelligence Unit are aggressively and cooperatively reporting the latest developments and pertinent data to empower the nationwide mortgage fraud task force.

As mortgage fraud crimes escalate, the burden on federal law enforcement increases. With the anticipated upsurge in mortgage fraud cases, the FBI employed additional strategies to proactively address the crime problem. The FBI works with the Department of Justice (DOJ)-Mortgage Fraud Working Group on a number of mortgage fraud related issues, including the creation and finalization of standard loss valuation criteria associated with mortgage fraud violations, and assisting the banking industry with the construction of a centralized repository of mortgage-related documentation.

The valuation criteria and mortgage related documentation is where real estate property appraisers and their appraisals provided lenders are going to increasingly be monitored and regulated in the near future.

Currently the FBI has mortgage fraud working groups or task forces in 32 field divisions across the country. The FBI divisions stationed in Florida are based out of Miami and Tampa. Moreoever the FBI continues to encourage the use of undercover operations as an effective technique to address mortgage fraud.

The recent stock market crashes across global markets have strongly affirmed, mortgage fraud if not dealt with has the potential to cripple the American economy and all foreign economies closely connected to it. Suspicious Activity Reports (SARs) from financial institutions indicate an increase in mortgage fraud. SARs increased 31-percent to 46,717 during Fiscal Year (FY) 2007. The total dollar loss attributed to mortgage fraud is unknown. However, 7 percent of SARs filed during FY 2007 indicated a specific dollar loss, which totaled more than $813 million.

Subprime mortgage issues remain a key factor in influencing mortgage fraud directly and indirectly. The subprime share of outstanding loans has more than a doubled since 2003 putting a greater share of loans at higher risk of failure. Additionally, during 2007 there were more than 2.2 million foreclosure filings reported on approximately 1.29 million properties nationally, up 75 percent from 2006. The declining housing market affects many in the mortgage industry who are paid by commission. The FBI says during declining markets, mortgage fraud perpetrators may take advantage of industry personnel attempting to generate loans to maintain current standards of living.

Many of the key industry personnel often involved are real estate property appraisers valuing the homes and properties prior to bankers signing off on loans.

Data from law enforcement and industry sources identify the states most affected by mortgage fraud during 2007 and indicated that the top 10 mortgage fraud states for 2007 were Florida, Georgia, Michigan, California, Illinois, Ohio, Texas, New York, Colorado, and Minnesota.

The downward trend in the housing market provides an ideal climate for mortgage fraud perpetrators to employ a myriad of schemes suitable to a down market. Several of these schemes have emerged with the potential to spread as the recent rise in foreclosures, depressed housing prices, and decreased demand place pressure on lenders, builders, and home sellers. Emerging and re-emerging schemes for 2007 included builder-bailouts, seller assistance, short sales, foreclosure rescue, and identity thefts exploiting home equity lines of credit.

Fraudulent practices have become dreadfully systemic within the mortgage industry, as unrestrained mortgage fraud has bankrupted some of the best and longtime solid financial institutions. If the FBI fails to quickly regulate, enforce, and imprison fraudulent professionals within the banking and real estate industry, expect to see the dollar tank along with the U.S. economy. After which consumers will only be able to buy gold, Euros, or China’s Yuan to protect their life savings and investments.

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http://www.bullionvault.com/#paulfdavis

Real estate property appraisers therefore may be the last line of defense to maintain accountability and accuracy before straw buyers succeed in excessively borrowing beyond the market value of a property’s worth and thereby jeopardize the security of loans throughout the banking industry.

Real estate property appraisers must like never before show due diligence when representing their fiduciaries the banks and report to legal authorities any manipulative and coercive attempts by lenders and borrowers to adjust property valuations they sign off on in their appraisal reports.

[b]Mid-State Appraisals founder Paul Davis is a trusted and reputable property appraiser frequently called upon by Central Florida’s banks, homeowners, and real estate investors to assess property values. A builder for over 20 years and also a real estate broker, Paul Davis brings a wealth of knowledge to the table as an appraiser.[/b]

http://www.midstateappraisals.org

midstateappraisals@earthlink.net

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Secure Investments Considering World’s Best Banking Systems as measured by World Economic Forum

The World Economic Forum has identified the world’s soundest banking systems across the globe. Vital information for any consumer and investor to know in these devastatingly uncertain and turbulent times.

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Canada has the world’s soundest banking system. Good news for me considering my wife is Canadian. Should this Yankee need to flee for a financial safe haven (and free health care), Canada will be a great option.

Closely behind followed Sweden, Luxembourg and Australia. As financial crisis and bank failures shake world markets, the survey by the World Economic Forum provided some enlightening and startling information about arrogant and seemingly (now questionably) economic super powers such as Britain and America.

Britain, which once ranked in the top five, has slipped to 44th place behind El Salvador and Peru, after a 50 billion pound ($86.5 billion) pledge this week by the government to bolster bank balance sheets.

The United States, where some of Wall Street’s biggest financial names have collapsed and been crippled in recent weeks, rated only 40, just behind Germany at 39, and smaller states such as Barbados, Estonia and even Namibia, in southern Africa.

The World Economic Forum’s Global Competitiveness Report is worth earnestly heeding and considering before investing in nations whose banking systems are problematic and given to systemic failures.

As for me, I’m extremely bearish on the dollar. Despite short-term gains based on momentary hype, patriotism, and the global credit crunch …look for the central and foreign banks across the globe to dump dollars and buy gold, Euros, Chinese yuan, and Japanese yen. The day of dollar dominance is over!

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My advice to investors, follow the lead of the Central and foreign banks. Beware of listening to the U.S. media’s propaganda machine. The world is disenchanted with America thanks to the war in Iraq and U.S. military imperialism to prop up the dollar as OPEC’s currency of choice. America’s longtime arrogance is coming to an end with the death of the dollar.

http://www.bullionvault.com/#paulfdavis

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When the dollar dies, look for the global economy to say good riddance.

The top 20 ranked banking systems are:

1. Canada

2. Sweden

3. Luxembourg

4. Australia

5. Denmark

6. Netherlands

7. Belgium

8. New Zealand

9. Ireland

10. Malta 11. Hong Kong

12. Finland

13. Singapore

14. Norway

15. South Africa

16. Switzerland

17. Namibia

18. Chile

19. France

20. Spain

http://www.bullionvault.com/#paulfdavis

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Hyundai Liars – Universal Hyundai Financing Scam, Fraud, Deceiving Car Buyers

This morning I saw an ad at Universal Hyundai for 0% down payment and 0% APR for new car purchases. Upon arriving, I got nothing but lies, deceit, manipulation, and the proverbial bait and switch.

Today my wife and I went to Universal Hyundai, 12751 S. Orange Blossom Trail, Orlando, FL 32837 and were shown a lovely 2009 Hyundai Sonata by a charming salesman.

Once we spent several hours test driving the cars we were to choose from and bickering with the salesman as to price, it seemed we were nearly ready to finalize our purchase.

But not until we were thrown a clever financial scam, attempting to defraud, and deceive we the car buyers. Upon coming to an agreement for a purchase price of $15,987, we then noticed how many additional fees – taxes, dealear fees, etc. added up to $18,099.59.

Upon stomaching these exorbitant fees and preparing to finalize the purchase, we agreed to make a $4,000 down payment, leaving us with a balance of $14,099.59 to finance.

The charming salesman first said we would get 6.9% APR on the interest rate. However once our social security numbers and credit report were run, we suddenly were informed our APR would be 9.9% APR. Being a bit willing to go a little further to get this car, we played along.

At this point the salesmen started to back off, going in and out of the inner glassed caged room to talk to the finance guys (most overweight and grumpy), who massaged and manipulated numbers in an attempt to greatly rip us off.

We were originally told by the Hyundai sales rep our monthly payments would be $219 a month if we made a $4,000 down payment. Doing some simple math I calculated the remaining amount owed $14,099.59 multiplied by (1 + .099 interest for the annual APR) equalling $15,495.45 to be divided over 72 month payments at $215.21.

Then the fun began when the lying financiers at Universal Hyundai began their deceptive financing and massaging the numbers to make hefty profits. They said we would have to make monthly payments of $262.95 for 72 months – which I multiplied through totalling a $18,932.40 + $4,000 down payment to arrive at a grand total of $22,932.40 for a car originally priced at $15,987 nearly a $7,000 mark up.  The 0% APR and 0 down was a blatant lie, scam, and attempt to defraud.

Interestingly, the so called 9.9% APR promised ($14,099 divided by $15,495.45) in actuality turned out to be 34.276% APR with their new manipulated numbers at $22,932.40.

Don’t deal with Universal Hyundai. As I told them in front of all other prospective buyers on the sales showroom, “You guys are crooks!”

Paul F Davis – worldwide minister, consumer advocate, and author

www.PaulFDavis.com

RevivingNations@yahoo.com

USAA and CCC Valuescope Report Vehicles Used to Devalue Insured Motorists Automobiles in Total Losses

Beat your lying & cheating insurance company to get thousands more $$$ you deserve and paid for with your hard earned premiums for years. Get what you deserve from your accident & personal injury claim.

http://www.mindbites.com/lesson/2605-beat-your-insurance-co-get-thousands-more

 

I am extremely concerned about the way my insurer USAA and their hired gun CCC Valuescope compute, calculate, and arrive at what they deem “actual cash value” for vehicles in the event of a total loss.

As I mentioned to the Department of Insurance Regulation, the DMV in Florida requires insurers to pay the replacement value of a like kind and quality vehicle to owners involved in total loss settlements with insurance companies. USAA however is only agreeing to pay me the “actual cash value.”

Most importantly, the manner by which USAA computes, calculates, and arrives at the “actual cash value” seems very deceptive, misleading, and fraudulent when one looks carefully at the CCC Valuescope Report upon which they base their valuations and calculations.

To be specific, note below the problematic histories of VIN numbers of vehicles on my CCC Valuescope report (39813905) provided to me by my insurer USAA. These of course are the vehicles CCC Valuescope and USAA used as comparable vehicles to my 1997 Honda Accord, Special Edition.

It is also worth noting that my 1997 Honda Accord SE never left the State of Florida, whereas these “comparable” vehicles submitted by USAA and CCC Valuescope have been out of Florida and across the country. My car has never been auctioned, nor has it had liens, neither required emission and safety inspections, nor been in accidents as reported in these subject vehicles. Therefore my insurer should not use these subject cars below as they are not a fair and honest value comparison to my own vehicle.

I urge every insured motorist to assess treble damages for this blatant attempt on the part of insurance companies to deceive we the insured fiduciaries and devalue our vehicles before paying out monies rightfully due us the insured.

1997 Honda Accord LX – 1HGCD563XVA120309

– Liens 4/10/1997, 7/25/2000, 11/1/2006

– Emission Inspections 7/23/1997, 6/24/1998, 7/21/1999

– Left Side Impact with another Vehicle 4/18/2000

– Rebuilt 7/25/2000, 12/01/2000, 1/6/2003, 4/6/2004, 1/25/2005, 12/23/2005, 11/1/2006, 8/17/2007

– Auction 4/7/2006

 

1998 Honda Accord LX – 1HGCG2244WA011995

– Liens 5/28/2002, 11/15/2002, 4/12/2005, 6/24/2008

– Accident 5/5/2005

– Duplicate Titles 11/15/2002, 4/7/2008

– Corrected Title 5/28/2002

– Auction 4/16/2002, 4/18/2008

– Theft Deterrent Equipped 7/29/2000, 3/23/2001

– Massachusetts and Florida owners

 

1997 Honda Accord LX – 1HGCD5633VA060776

– Liens 3/21/2000, 7/23/2002, 7/23/2002 DUPLICATE TITLE, 8/11/2005

– Auto Auction 12/28/1999, 1/12/2000

– Auto Auction / FLEET 12/10/1996

– Leased Vehicle 7/24/1997, 8/17/1998

– Front Impact Collision 9/4/2004

 

1998 Honda Accord LX – 1HGCG5642WA216534

– Leased 8/6/1998, 8/11/1998, 7/28/1999

– Auto Auction 1/17/2002 (FLEET / LEASE), 7/27/2006, 7/28/2006, 9/8/2006, 9/29/2006

– Liens 2/7/2002, 3/28/2008

 

1998 Honda Accord, LX – VIN 1HGCG5645WA252007

– Leased 9/10/1998, 7/22/1999

– Auto Auction 5/7/2001, 5/9/2001, 7/17/2001, 8/6/2001, 8/10/2001, 8/28/2001

 

1997 Honda Accord Special Edition – VIN 1HGCD5606VA113282

– Leased 2/24/1997

– Failed Safety Inspection 8/15/2001

– Liens 2/11/2000, 4/13/1999

– Ohio, Tennessee, New York, and Florida owners

 

1998 Honda Accord LX – 1HGCG5643WA252409

– Leased 9/18/1998, 9/22/1998, 11/23/1999

– Liens 9/18/1998, 9/22/1998, 11/20/2002, 12/5/2002

– Not Good Chain of Title, Poor Car History

 

1997 Honda Accord LX – 1HGCD5631VA052028

– Accident 12/11/2006

– Lien 1/2/1997

 

1998 Honda Accord LX – 1HGCG3249WA000044

– Leased 7/24/1998, 7/28/1998

– Lien 5/9/2003

– Auto Auction 6/20/2006, 6/21/2006

 

1997 Honda Accord LX – 1HGCD5634VA083693

– Leased 3/23/1997, 12/3/1997, 1/27/1998, 1/29/1998, 9/8/1998

– Auto Auction 3/30/2000. 4/3/2000, 5/4/2000, 6/8/2000

– Liens 3/23/1997, 12/3/1997, 7/6/2000

– Emission Inspections 12/11/1997, 6/9/2000

– California and Florida owners

 

1997 Honda Accord LX – 1HGCD7239VA012071

– Liens 11/10/1997, 11/13/1997

– Emission Inspection 7/1/1998, 7/8/1999

– Duplicate Title 4/3/2008

 

1997 Honda Accord LX – 1HGCD5632VA124418

– Liens 4/30/1999, 1/17/2002, 8/4/2003

 

1998 Honda Accord LX – 1HGCG5644WA225137

– Leased 8/21/1998, 8/25/1998

– Liens 8/25/1998, 11/27/2000, 6/29/2006

– Auto Auction 6/25/2008, 8/01/2008

 

1998 Honda Accord – 1HGCG5645WA258566

– Liens 9/15/1998, 1/10/2006

 

1998 Honda Accord LX – 1HGCG554WA057792

– Liens 1/09/1998, 6/3/2002 CORRECTED TITLE, 6/12/2002 CORRECTED TITLE, 8/8/2003

– Arizona, Indiana, Pennsylvania, and Florida owners

 

1997 Honda Accord LX – 1HGCD5636VA050128

– Liens 1/19/1999

– Many Owners, Numerous Change of Hands

 

1997 Honda Accord LX – 1HGCD5636VA249387

– Lien 10/08/1997

– Front Impact Collision 3/12/1999

– Emission Test 8/27/1999, 9/13/2001

– Georgia and Florida owners

 

1997 Honda Accord LX – JHMCD5630VC008863

– Liens 8/27/1997, 3/1/2001

– Auto Auction 6/18/2008

– Pennsylvania and Florida owners

 

1997 Honda Accord SE – 1HGCD7203VA029681

– Liens 6/9/1999, 1/27/2003, 5/22/2008

– Leased 6/13/1997

– Auto Auctions 9/16/2002, 10/21/2002

– Auto Auction / FLEET 10/22/2002

– New Jersey and Florida owners

 

1998 Honda Accord LX / LXA – 1HGCG5647WA123704

– Lien 4/26/2005

 

1998 Honda Accord LX / LXA – 1HGCG5642WA087405

– Lien 1/27/1998

– Auto Auction 6/5/2008

 

1998 Honda Accord LX – 1HGCG3245WA011459

– Liens 7/13/1998, 10/1/1998, 10/28/1999

– Auto Auction 4/22/2002, 11/26/2007

– Emission Inspections 5/5/1999, 10/8/1999, 3/24/2000

 

1997 Honda Accord LX – 1HGCD5539VA103132

– Leased 2/21/1997, 2/09/1999

– Liens 8/10/1999, 8/5/2003, 9/12/2005

– Auto Auctions 4/28/1999, 5/15/2008, 5/16/2008

– Pennsylvania, New York, and Florida owners

 

1998 Honda Accord LX / LXA – 1HGCG5646WA222921

– Liens 7/30/1998, 7/18/2008

– Auto Auctions 4/22/2008, 4/23/2008

–

1997 Honda Accord LX – 1HGCD723XVA016064

– Title #:AQ0019351 Seekonk, MA

– Title #:0090214360 St. Petersburg and Tampa, FL

– Title Issues 4/4/1997, 5/13/1999, 5/1/2001, 4/18/2003, 3/31/2004, 5/13/2008, 7/8/2008

Duplicate Title

– Rhode Island, Massachusetts, and Florida owners

 

1997 Honda Accord SE – 1HGCD5607VA104378

– Leased 7/23/1997, 2/11/1998, 4/29/1999, 5/3/1999

– Liens 7/23/1997, 5/3/1999, 2/19/2004, 5/19/2005

– Auto Auctions 6/4/2001, 6/5/2001, 2/8/2005

– Duplicate Title 1/28/2005

– Maryland and Florida owners

 

1997 Honda Accord LX – 1HGCE1825VA006521

– Liens 12/24/1997, 8/14/2000, 5/30/2008

– Emission Inspection 5/19/2000

 

1998 Honda Accord LX / LXA – 1HGCG5646WA118820

– Leased 3/18/1998, 3/20/1998, 11/25/1998, 12/14/1999

– Liens 3/20/1998, 1/30/2002, 3/22/2002

 

1997 Honda Accord LX – 1HGCE1828VA005041

– Emission Inspections 3/2/1999, 3/3/1998, 2/25/2000

– Green Car noted 3/31/2008 – perhaps color change during repairs

– Duplicate Title 4/11/2008

– Auto Auction 4/10/2008

 

1997 Honda Accord SE – 1HGCD5604VA237860

– Leased 9/03/1997, 5/14/1998, 6/16/1999, 6/1/2000

– FLEET 9/03/2007

– Accident 6/2/2008

– Liens 9/3/1997, 8/29/2000, 6/2/2008

 

1998 Honda Accord LX / LXA – 1HGCG5647WA042945

– Leased 12/2/1997, 12/4/1997, 10/15/1998, 10/19/1998

– Accident 5/10/2008

– Auto Auction 8/20/1998

– Emission Inspection 3/24/2000

 

1997 Honda Accord LX – 1HGCD5633VA242431

– Lien 5/9/2002

– Theft Deterrent Equipped 9/5/1998

– New York and Florida owners

 

1997 Honda Accord LX – 1HGCD5630VA215140

– Liens 9/24/1997, 9/26/1997, 8/17/2001, 6/13/2008

– Front Impact Collision with another Vehicle 5/28/2002

– Emission Inspection 3/30/2000

 

1998 Honda Accord LX / LXA – 1HGCG5647WA228436

– Liens 9/16/1998, 5/21/2008

– Duplicate Title 5/7/2008

 

I am deeply concerned and disappointed in my insurance company’s failure to uphold their moral and legal obligations contractual requiring the utmost duty of care to me the fiduciary.

www.PaulFDavis.com – consumer advocate, author, and worldwide motivational speaker

RevivingNations@yahoo.com

 

 

Total Loss Settlements Involving Insurance Companies – Florida and the Department of Motor Vehicles

Beat your lying & cheating insurance company to get thousands more $$$ you deserve and paid for with your hard earned premiums for years. Get what you deserve from your accident & personal injury claim.

http://www.mindbites.com/lesson/2605-beat-your-insurance-co-get-thousands-more

My insurer USAA recently sent me a pdf link from the Florida Department of Motor Vehicles, several pages mentioning regulations insurers are to adhere to before acquiring an insured motorist’s title after a total loss colission (mine compliments of a drunk driver that nearly killed me).

 

It is rather interesting that the DMV requires insurers to provide the insured motorist a replacement vehicle of like kind and quality, but insurers like to lower the bar and offer merely “actual cash value” to their insured. Sounds a bit fishy to me!

 

I told USAA:

 

“…Thank you for providing me the pdf link online concerning FL Statutes regarding / “TOTAL LOSS SETTLEMENTS INVOLVING INSURANCE COMPANIES” / wherein the first provision of State Law mentioned is Section 319.30 (3) (a) 1 providing that / “a motor vehicle is a total loss when an insurance company pays the motor vehicle owner to replace the wrecked or damaged motor vehicle with one of like kind and quality” /.

 

Since USAA has failed thus far to pay me the motor vehicle owner to replace my vehicle with one of like kind and quality, USAA preferring only to render an  “actual cash value”  which itself is questionably low, it seems we cannot proceed with the certificate of destruction until USAA pays me the vehicle owner to replace my vehicle with one of like kind and quality.”

www.PaulFDavis.com

RevivingNations@yahoo.com

Paul F. Davis is a world-changer who has touched over 50 countries & 6 continents building bridges cross-culturally and empowering people throughout the earth to live their dreams!

 

Paul is the author of 14 books. Paul has appeared on numerous internationally broadcast radio shows from Oprah & Friends to Fox News Radio to talk about conflict resolution, peacemaking, foreign policy, and diplomacy. Playboy Radio’s Afternoon Advice host Tiffany Granath calls Paul an “awesome” relational coach and recommends his books on love, dating, and sexuality.

 

Academically outstanding Davis was trained in transformative mediation & conflict resolution (Hofstra Law School); strategic negotiations (Harvard Business School & U. of Washington); advanced interrogation (Reid & Associates founders of the polygraph); and NLP & Life Coaching (NLP & Coaching Institute of California).

 

Paul humorously and elegantly transforms individuals and organizations.

 

Paul’s organization Dream-Maker Ministries builds dreams, transcends limitations, and reconciles nations.

 

Paul worked at Ground Zero in NYC during 9/11; helped rebuild a home at the tsunami epicenter; comforted victims of genocide in Rwanda; spoke to leaders in East Timor during the war; inspired students & monks in Myanmar; promoted peace & reconciliation in Pakistan; and has been so deep into the bush of rural Africa where villagers had never before seen a white man.

 

Paul empowers people to love passionately and live fearlessly.

 

http://www.PaulFDavis.com

 

RevivingNations@yahoo.com

 

USAA Auto Insurance Complaints: Power to the People – Expose, Confront, and Launch Media War Against USAA

Beat your lying & cheating insurance company to get thousands more $$$ you deserve and paid for with your hard earned premiums for years. Get what you deserve from your accident & personal injury claim.

http://www.mindbites.com/lesson/2605-beat-your-insurance-co-get-thousands-more

Let’s come together and march in protest on USAA’s corporate headquarters in San Antonio, Texas. Disgruntled military, mothers, children, fathers, granfathers, grandmothers, aunts, and uncles let’s show USAA “Don’t mess with Texas, nor the American people!”

Power to the people!  Let’s organize, strategize, and nationally vocalize our complaints!

www.PaulFDavis.com

RevivingNations@yahoo.com

Paul F. Davis is a world-changer who has touched over 50 countries & 6 continents building bridges cross-culturally and empowering people throughout the earth to live their dreams!

 

Paul is the author of 14 books. Paul has appeared on numerous internationally broadcast radio shows from Oprah & Friends to Fox News Radio to talk about conflict resolution, peacemaking, foreign policy, and diplomacy. Playboy Radio’s Afternoon Advice host Tiffany Granath calls Paul an “awesome” relational coach and recommends his books on love, dating, and sexuality.

 

Academically outstanding Davis was trained in transformative mediation & conflict resolution (Hofstra Law School); strategic negotiations (Harvard Business School & U. of Washington); advanced interrogation (Reid & Associates founders of the polygraph); and NLP & Life Coaching (NLP & Coaching Institute of California).

 

Paul humorously and elegantly transforms individuals and organizations.

 

Paul’s organization Dream-Maker Ministries builds dreams, transcends limitations, and reconciles nations.

 

Paul worked at Ground Zero in NYC during 9/11; helped rebuild a home at the tsunami epicenter; comforted victims of genocide in Rwanda; spoke to leaders in East Timor during the war; inspired students & monks in Myanmar; promoted peace & reconciliation in Pakistan; and has been so deep into the bush of rural Africa where villagers had never before seen a white man.

 

Paul empowers people to love passionately and live fearlessly.

 

http://www.PaulFDavis.com

 

RevivingNations@yahoo.com

Documentary Filmmakers, Videographers, Editors, Whistleblowers Needed to Expose USAA and Insurers to America

Beat your lying & cheating insurance company to get thousands more $$$ you deserve and paid for with your hard earned premiums for years. Get what you deserve from your accident & personal injury claim.

http://www.mindbites.com/lesson/2605-beat-your-insurance-co-get-thousands-more

Whistleblowers (inside and out USAA) needed to go public about USAA and big insurers defrauding the American people daily. Help make a documentary film to expose big insurance companies ripping off the little guy and disregarding all human suffering as they fill their financial coffers with more dough by way of our hard earned premiums.

Videographers, editors, documentary filmmakers needed to capture this monumental expose on USAA and big insurers across the country. The sequel to Michael Moore’s “Sicko” as we the people get empowered and take this movement of emancipation from corporate crookery to the next level.

Let’s come together people, join forces, and use the power of the media to vocalize insurance fraud on a grand unprecedented scale.  The bigger they are, the harder they fall.

Give me some Davids willing to take on and battle Goliath!

Paul F Davis

RevivingNations@yahoo.com

www.PaulFDavis.com

Paul F. Davis is a world-changer who has touched over 50 countries & 6 continents building bridges cross-culturally and empowering people throughout the earth to live their dreams!

 

Paul is the author of 14 books. Paul has appeared on numerous internationally broadcast radio shows from Oprah & Friends to Fox News Radio to talk about conflict resolution, peacemaking, foreign policy, and diplomacy. Playboy Radio’s Afternoon Advice host Tiffany Granath calls Paul an “awesome” relational coach and recommends his books on love, dating, and sexuality.

 

Academically outstanding Davis was trained in transformative mediation & conflict resolution (Hofstra Law School); strategic negotiations (Harvard Business School & U. of Washington); advanced interrogation (Reid & Associates founders of the polygraph); and NLP & Life Coaching (NLP & Coaching Institute of California).

 

Paul humorously and elegantly transforms individuals and organizations.

 

Paul’s organization Dream-Maker Ministries builds dreams, transcends limitations, and reconciles nations.

 

Paul worked at Ground Zero in NYC during 9/11; helped rebuild a home at the tsunami epicenter; comforted victims of genocide in Rwanda; spoke to leaders in East Timor during the war; inspired students & monks in Myanmar; promoted peace & reconciliation in Pakistan; and has been so deep into the bush of rural Africa where villagers had never before seen a white man.

 

Paul empowers people to love passionately and live fearlessly.

 

http://www.PaulFDavis.com

 

RevivingNations@yahoo.com

Class Action Lawsuit Attorney with Backbone and Guts Wanted to Sue USAA

Beat your lying & cheating insurance company to get thousands more $$$ you deserve and paid for with your hard earned premiums for years. Get what you deserve from your accident & personal injury claim.

http://www.mindbites.com/lesson/2605-beat-your-insurance-co-get-thousands-more

Is there a class action attorney with backbone and guts in America willing to take on corporate corruption, expose the fraudulent system and complicit insurance regulators who tolerate such nonsense at the suffering of the consumer?

Become famous by battling the big insurance companies and their flawed valuation methodology by which they devalue consumers vehicles daily and fill their financial coffers as we the people suffer.

Paul F Davis – consume advocate, author, documentary filmmaker and minister

www.PaulFDavis.com

USAA – When an Insurer Withholds Information on Auto and Salvage Values

Beat your lying & cheating insurance company to get thousands more $$$ you deserve and paid for with your hard earned premiums for years. Get what you deserve from your accident & personal injury claim.

http://www.mindbites.com/lesson/2605-beat-your-insurance-co-get-thousands-more

August 4, 2008

 

USAA,

 

Your phone call was received, but no previously mentioned questions were addressed, nor answered in your voice message. Please kindly respond in writing as my schedule is very chaotic as I attend to my physical injuries and visit various medical professionals throughout the day.

 

Since you are so confident concerning your salvage facility’s valuations, please kindly provide the name of said facility, along with the full report as to how they calculated the salvage value to my car.

 

As to your comment to reimburse up to $400.42 in sales tax, I need something more definitive and solid.  The language “up to” is very vague, intentionally ambiguous, and unreliable.

 

Since you “value my business and serving all my financial needs”, as you commonly state when concluding all correspondence to me, please kindly show such due diligence to me your fiduciary to whom you are legally and morally obligated. You may begin by providing me:

 

1.An exact amount in sales tax and fees for the replacement car.

 

2.The salvage facility’s name and full report as to how they calculated and arrived at their valuation.

 

3.The language in my USAA policy and the Florida statutes that you are claiming necessitates me forfeiting my car’s title to you.

 

Please show good faith by answering the above in full.  Your neglect in doing so thus far is prolonging the replacement of my insured vehicle (which my entire family relies upon) and perpetuating our pain, while intensely stressing out and burdening my entire family that trusted you our insurer to provide us a replacement car as promised in your policy.

 

Paul F Davis

 

ps. Please do not wait for a phone call to answer the above questions and concerns in writing.

 

 

 

Mon Aug 04 11:02:20 CDT 2008

 

August 4, 2008

 

Dear USAA,

 

Please kindly reimburse us for our next two weeks of rental cars under the uninsured motorist policy, while we wait for your reply to the Department of Insurance Regulation.

 

Your decision to withhold necessary information previously and repeatedly requested is intentionally delaying the process and prompt replacement of our vehicle.

 

I had to say good night and comfort a crying and weeping wife, distressed and demoralized by the fact that her father when visiting us in July spent his last $300 to attend to our car to ensure his daughter had a safe and operational vehicle. Now after being hit by a drunk driver the same day all repairs were finalized, we are being mistreated by USAA our insurer who is failing to exercise the utmost good faith, entirely disregarding our interests, and violating we the fiduciary.

 

Paul F Davis

 

www.PaulFDavis.com

 

 

 

 

USAA Economic Crimes, Deceptive Trade Practices – Complaint to Florida Attorney General

Beat your lying & cheating insurance company to get thousands more $$$ you deserve and paid for with your hard earned premiums for years. Get what you deserve from your accident & personal injury claim.

http://www.mindbites.com/lesson/2605-beat-your-insurance-co-get-thousands-more

Honorable Attorney General of Florida Bill McCollum,

Since being hit by a drunk driver on the afternoon of July 8, 2008 my auto insurer USAA has done some things that give me room for concern.

1. Withholding comparable vehicles histories used on the CCC Valuescope report

When USAA insured customer Paul F Davis asked USAA for the histories of the vehicles being used on the CCC report to calculate / compare and compute his car’s value, Davis received an unusual denial and revealing reply:

“We do not request vehicle history for the vehicles listed in CCC.  The vehicles listed are a small sampling of many vehicles used to establish the value.” — USAA Claims Service Director Chris Gonzalez

Davis in turn immediately replied:

July 28 2008

Dear Mr. Chris Gonzalez,

“…Although USAA does not request vehicle history for the vehicles listed in the CCC report, I am requesting such as your insured to whom you have a fiduciary duty. Anything less I shall deem a breach of said duty.

As a matter of policy for USAA to withhold the vehicles histories that they use to compare to the vehicle they are attempting to value and replace is highly suspect and very deceptive.”

2. USAA has provided no documentation as to how they calculate the “salvage value” of the vehicle they claim is a total loss and want the title to, while issuing a “salvage value” at $655.53.

3. I was led to believe over the phone by USAA reps when I commenced the policy that it was a “replacement policy” offering me a similar or like quality vehicle in the event of a total loss.

Mr. Gonzalez himself by phone on July 29th, 2008, left a message stating that I would receive $6,290.75 “upon replacement of this vehicle, when you purchase your next vehicle”.

Hence the confusion as it has been reiterated in the past and present that there is a “replacement” policy on my vehicle.

Florida’s Valued Policy Law requires the insurance provider to ascertain the insurable value at the time of writing the policy, not every 6 months thereafter when the insurer decides to subtly modify the policy.

Independent auditors and contractors throughout the country (Colorado in particular) working for states’ departments of regulatory agencies division of insurance have affirmed in “Market Conduct Examination Reports” that USAA has a history of misrepresentations, false advertising, making false, misleading statements concerning insurance policies, and deceptive practice in the business of insurance.

False information and statements made by USAA phone reps later retracted in a declaration page denying such coverage is inexcusable even when it occurs by reason of USAA’s “computer system errors”.

As for me, I have relied upon what I was initially verbally told over the phone by the USAA rep when I commenced the policy – that being a replacement policy of similar quality or kind of vehicle.

Please kindly intervene to prevent further economic hardship to the people of Florida and ongoing RICO Act violations by which the insured are being deceived, misled, and defrauded.

At present this whole claims process with USAA has proven utterly demoralizing, emotionally exhausting, and a vexation of spirit.

Sincerely,

Paul F Davis

www.PaulFDavis.com