Category Archives: consumer fraud

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.

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.

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]

Leave a comment

Filed under america, america & politics, American economy, american people, bailout, banking, bankruptcies, confronting corruption, conspiring to defraud, consumer advocacy, consumer fraud, deflation, dollar, dying dollar, economic stabilization, economy, euro, fbi, finance and economics, financial markets, financial meltdown, gold, wall street, wall street woes, wealth and prosperity, worldwide financial meltdown

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.

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!

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.

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

Leave a comment

Filed under america & politics, American economy, american people, bailout, banking, bankruptcies, banks governors, confronting corruption, conspiring to defraud, consumer advocacy, consumer fraud, dollar, wealth and prosperity, worldwide financial meltdown

G7 Finance Ministers and Central Banks Governors Coordinate, Collaborate, and Consolidate

G7 Finance Ministers and Central Banks Governors set to coordinate, collaborate, and consolidate to survive global financial turmoil. U.S. Treasury and Central Bank prepare for global integration and inflation of the dollar as it prints more currency.


As U.S. credit markets deathly tighten to an economic standstill, the European Central Bank (ECB) is committed to prevent and thwart any inflation of the Euro. Meanwhile the ECB is showing the U.S. some temporary charity by providing between USD 40 and 50 billion in overnight operations, USD 40 billion in 28-day operations, USD 20 billion in each one of the 84-day operations and USD 20 billion in each one of the forward US dollar operations.


Nevertheless the ECB is retaining flexibility to react to changing market conditions to protect itself from U.S. hegemony and economic stupidity.


Former U.S. President Jimmy Carter blasted President Bush for his foolish economic policies causing $1 trillion indebtedness to China. The atrocious economic policies of the Bush administration has caused the worst global financial crisis since the Great Depression of the 1930s. Profligate spending, massive borrowing and dramatic tax cuts since President George W. Bush took office in 2001 are fully behind the market turmoil and economic crisis.


The economic situation is an entrenched problem, which is going to take years to correct what has been done economically. Eight years ago, the United States had a budget surplus, low inflation and a stable, strong economy. However deregulation and withdrawal of supervision on Wall Street has encouraged irresponsibility in the U.S. financial system, enabling banks to borrow 30 times their value.


The G-7 have their hands full as they try to help the U.S. economy that has yet to guaranty interbank loans. If a national government does not insure and believe in its own banking system, how can its people have any degree of confidence?


Finance ministers from the world’s top economies posed for pictures and pledged Friday to work together to stabilize global financial markets, but did not provide concrete plans to address the credit chaos sweeping the world.


The G-7 agrees that the current situation calls for urgent and exceptional action. Although they commit to continue working together to stabilize financial markets and restore the flow of credit, to support global economic growth, nobody has been transparent enough to tell us how.


Paulson emphasized collaboration and coordination, which signals eventual consolidation as Pres. Bush has for the past 8 years given U.S. debt to foreign nations. Paulson himself has previously prepared American citizens in talks about more financial institutions failing.


General Motors plummeted to a third of its original value with credit markets freezing up.

The so called assets in the failing mortgage industry are toxic and dafaulted assets at best, which few want.


The finance ministers have their work cut out for them. They surely must announce concrete steps by the end of the weekend if they want to soothe the roiling markets. The stock markets throughout the world are not responding to cheap talk and press hype. We need to see real action. Any thing less tells me central banks are conspiring to consolidate and devalue national currencies so as to usher in a new world order.


The Dow Jones industrial average fell over 1,874 points, or 18%, in its worst weekly decline ever on both a point and percentage basis. Wall Street lost roughly $2.4 trillion in market value during the week.


Markets worldwide fared no better, with every major exchang losing. Black Friday as it was called in Australia caused stock markets to take an 8% nosedive adding to a 42% drop in a year within the Aussie market. The Japanse stocket market has lost 53% this year thus far. Russia’s index has fallen 61% as investors pull out money and flee for cover. The UK’s top companies have fallen 21%.  Germany’s market fell 7% and 28% on the week.


There is no containing the deepening global financial crisis. Central Banks and the Federal Reserve coordinated interest rate cuts did not soothe nervous investors.

The Fed lowered its benchmark interest rate by a half-point to 1.5%. The European Central Bank, which had kept rates unchanged as the Fed engaged in a string of rate cuts over the last year, cut its rate by a half-point to 3.75% – its first cut in five years. The Bank of England also cut its rate by a half-point to 4.5%. The Swiss, Canadian and Swedish central banks also made cuts. Yet the Libor rate rose disproportionately eliminating the usefulness of any cuts as indicated in the markets which failed to respond.


The Dutch and Belgian governments took over Fortis, before selling pieces of it to BNP Paribas. The British are nationalizing mortgage lender Bradford & Bingley.

And some nations, including Ireland, France and Germany, have said that all bank deposits will be insured by their governments for the time being.


Afraid to insure their own bank deposits to the full the United States and United Kingdom are developing plans to inject capital into banks, which would entail acquiring stakes in the institutions.


Some speculate the G-7 countries can work through this crisis by dealing with bad assets, recapitalizing banks, and providing much needed liquidity. Other economists predict it will take up to 2 years to fully work through the economic problems created over the past 8 years. Fixing the financial, regulatory, and supervisory system that failed will take time and not be done overnight.


Each country, of course, will have to take steps to address its particular problems.

U.S. Treasury Paulson himself mentioned that the press and some markets are naive to think that different countries with different financial systems – and different political systems, different laws – are going to come up with precisely the same policy to deal with the issues.


That being said, I am betting on the European Central Bank where China, Russia, Iran, OPEC, Dubai, and other major global financial players are putting their assets and foreign currency reserves. When China who holds $1 trillion in U.S. debt begins to diversify after the Fannie Mae and Freddie Mac fiasco, look for chaos to surface and devastate U.S. markets and plunge the dollar to the basement.


Billionaires George Soros, Warren Buffet, and American hedge fund manager John Paulson are betting against the dollar. I’m putting my money therefore in gold or Euros.


Care to join me?


Buy Euros while the dollar is strong before Wall Street reveals disaster and bankruptcy in America. Warnings from Federal Reserve Chairman Ben Bernanke and Central Banks across the world. Turmoil for global financial markets. Buy Euros or gold now!


Warnings from Federal Reserve Chairman Ben Bernanke and Central Banks across the world. Turmoil and serious consequences for global financial markets. Buy gold or Euros to protect your savings.


Bernanke’s fiscal policy speech to the Bank of International Settlements (BIS) on July 8, 2008 calling the U.S. economy in “turmoil” was quite revealing. Meanwhile Bernanke and Paulson reported to the media and American people the economy was fundamentally strong.


Bernanke told the BIS in July, 2008 it is “Unrealistic to think financial crisis can be eliminated”.


The euro was used in around 37% of all foreign exchange transactions in April, 2007.


Protect your savings!

Leave a comment

Filed under america, American economy, american people, banking, bankruptcies, banks governors, central banks, consumer fraud, dollar, dying dollar, economy, finance ministers, foreign currency exchange, forex, g7, international affairs & diplomacy, worldwide financial meltdown

FDIC Over Extension and Bankruptcy – 100 Banks Expected to Fail

Will the FDIC will insure your bank savings account?

Suppose the FDIC like Freddie Mac and Fannie Mae goes bankrupt? The FDIC has $48 billion in assets, but insures $3 trillion in deposits. The FDIC projects 100 bank failures costing $800 billion.

Put your money in Euros or gold!

The death of the U.S. dollar is imminent. Before the greenback has its final heart attack, get ahead of the next catastrophe on Wall Street.

Don’t be deceived by the lying media owned by multi-national corporations. Wall Street insiders will paint a rosy picture while they tycoons walk away with the loot. Awake and take immediate action before your savings disappears overnight.

Your bank accounts are insured unless there is a banking crisis. Then you must be prepared for the worst.

The greatest threat is a gridlock in the payments system – like many consumers face paying their own monthly debts. When bank A cannot pay bank B at the end of the day because bank C has not paid bank A…defaults within the banking industry, leading to corporate bankruptcies occur.

How long would your local ATM have money inside under this scenario? Not long I suspect as is the case with Washington Mutual when consumers made a run on the bank recently as it neared bankruptcy before being bought by J.P. Morgan at the last minute.

Such a national catastrophe came close in the summer of 1998, when the hedge fund, Long Term Capital Management, almost went bankrupt. The New York Federal Reserve Bank intervened.

Times of intense uncertainty should not take you unawares. Be prepared and protect your savings and investments by putting them in Euros or gold lest they vanish overnight.

Paul F. Davis is a world-changer who has touched over 50 countries, more than 50 islands, and 6 continents empowering people throughout the earth to live their dreams!

Paul is the author of 14 books and premier life coach building dreams, breaking limitations, and transforming individuals and organizations. Paul is a change master that knows how to play with pain, while elegantly and humorously navigating through transition to ride the waves of change.

– Paul worked at Ground Zero in New York City the first week of 9/11, two stops from Brooklyn Heights where Paul used to live. Paul drove a rental car up to NYC from Orlando, FL as all airports were shut down for national security reasons.

– Paul helped a Muslim young man rebuild his home at the tsunami epicenter in Indonesia and spoke to tribal groups in Wamena who are “naked and not ashamed.”

– Paul comforted victims of genocide in Rwanda and Burundi where 1.2 million people were slaughtered.

– Paul spoke to leaders in East Timor during the war for independence before the UN recognized the new nation.

– Paul addressed University students and monks in Myanmar working together to achieve democracy.

– Paul spoke throughout war-torn East Africa journeying deep into the “bush” where villagers have never seen a white man.

– Paul lived in and lectured throughout India and China the two largest populaces on earth.

– Paul journeyed to Pakistan twice since 9/11 to speak to large audiences about peace, non-violence, and reconciliation.

# # #

Put your money in Euros or gold!

The death of the U.S. dollar is imminent. Before the greenback has its final heart attack, get ahead of the next catastrophe on Wall Street.

Leave a comment

Filed under america, america & politics, American economy, american people, angry insured, banking, bankruptcies, consumer advocacy, consumer fraud, economy, euro, U.S. economy, u.s. mint, wall street, wall street woes, wealth and prosperity, worldwide financial meltdown

Worldwide Financial Meltdown – Dying Dollar, Rising Oil Prices, and the Euro …What Wall Street Doesn’t Want You to Know?

Oil prices per barrel rise between $15 to $20 in response to U.S. financial policy and maneuverings anticipating a devaluation of the dollar.  OPEC sees the dollar as near toilet paper in the upcoming future. Meanwhile the Euro gains 4% on the dollar in a single day on September 22, 2008 …the most since the inception of the Euro in 1999.

To do currency exchange or invest online go through my forex account (same price for you):

My suggestion is invest in gold, Euros, or the Paulson Credit Opportunities Fund (Paulson & Co. Inc.) since he just made $3 to $5 billion on the sub-prime mortgage crisis. The other Paulson is making all the major decisions on the U.S. economy, while the Paulson Fund is bringing in investors from Europe, and has Greenspan working for it.
To do currency exchange or invest online go through my forex account (same price for you):
Paulson has the likes of billionaire George Soros courting him and Peter Soros his brother also invest in his fund.   Greenspan is one of the most astute on global financial markets and he is advising Paullson.

Amazing 60% gains for Paulson’s fund in a single month (February 2007) also come with occasional monthly losses of 3 to 5% (miniscule in proportion) so be in it for the long term and have some intestinal fortitude so as to not unecessarily panic.  I’d rather put my money with the international bankers, merger titans, and guys pulling political strings on the economy than anybody else. 
To do currency exchange or invest online go through my forex account (same price for you, just commission goes to me):

Paul F Davis – worldwide speaker, author, and prophet

Leave a comment

Filed under america, america & politics, American economy, american people, consumer fraud, crime, disgruntled taxpayers, dollar, dying dollar, economy, euro, finance and economics, financial markets, financial meltdown, oil prices, U.S. economy, wall street, worldwide financial meltdown

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.


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. – consumer advocate, author, and worldwide motivational speaker



Leave a comment

Filed under accidents and personal injury, auto industry, bad faith claim, beat your insurance company, bogus ccc valuescope report, breach of contract, business, economics, commerce, ccc valuescope, claims adjuster, class action, confronting corruption, conspiring to defraud, consumer advocacy, consumer fraud, customary business practices, department of motor vehicles, disgruntled consumers, fl, florida, insurance companies, insurance regulation, law & order, legal matters, lies and deceit, make your insurance company pay, make your insurer pay, punitive damages, subrogation, total loss settlements, total loss valuation, treble damages, truth, unfair insurance practices, usaa, usaa consumer fraud, vehicle history, vin, voice of conscience, voice of truth, whistleblower, withholding information

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.

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.”

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.


Leave a comment

Filed under angry insured, bad faith claim, conspiring to defraud, consumer advocacy, consumer fraud, customary business practices, department of motor vehicles, dmv, florida, insurance companies, insurance regulation, total loss settlements, unfair insurance practices, usaa