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<h3 class="title"><a name="#top"></a>All the Clear & Missing Proof<br>
behind All the Complaints & Allegations made to the<br>
State License Board by Katherine Mangsen are<br>
Now…Visible & Documented for All to See</h3>
<h3 align="center" class="title"><img src="/images/page_turn.gif" width="164" height="134">
</h3>
<h3 class="title">All the Many Legal Pages of …Massive Missing Proof<br>
<br>
Allegations made! Allegations disproved! What now?<br>
</h3>
<h4 class="titlesmall">UPDATE: March 19, 2007</h4>
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<p><em>Remember, if you will, the following numbers – their significance
to be fully explained at the end of this Update - 1,214 and 4,897.</em></p>
<p><strong>“Truth Needs Champions!”</strong></p>
<p>The time has arrived for the creation of a movement to engage and motivate
individuals to become<strong><em> “Champions of Truth” </em></strong>–
and to stand up and hold those, who abuse, misuse, distort, and defame “truth”
for their own personal gain and at the expense of others, accountable to
a higher authority – that being Public Scrutiny.</p>
<p>For example, the Division of Professional Licensure, Commonwealth of Massachusetts,
was created for the sole purpose of assuring the Public’s Health,
the Public’s Welfare, and the Public’s Safety are protected
in the daily performance by those licensed to practice their profession
in Massachusetts. Boards in each of the licensed professions were created
with the majority of those appointed (political appointments) to the Boards
being members of the profession for which they are commissioned to assure
the Public’s Health, Welfare, and Safety.</p>
<p>One would expect those appointed to these State Boards would be men and
women of honor and integrity, of conscience and intellectual discipline,
and capable of judging a particular controversy fairly on the basis of its
own experiences; and who perform in their roles as members of these Boards
in a fair and impartial manner at all times, leaving behind their personal
prejudices and biases outside the process. So too, one would expect the
same level of performance, dedication, and commitment from the government
functionaries whose sole duty, purpose, and responsibility is to assure
the proper administrative and investigative process is followed in the normal
course of State Board activity.</p>
<p>The aforementioned statements are the depth and breath of why Boards were
created; the responsibilities of Board Members, and the role of government
functionaries in the process. I shall now present in detail that which has
been purported, reported, and proven to be 100% factual, supported by the
facts and testimony of families directly referenced, and how individuals
and not the system became so corrupted, so biased, and so prejudiced that
<em> <strong>fairness and impartiality</strong></em> was not possible. State
Board Members became complicit. Government functionaries became complicit.
Government attorneys became complicit. And, even the judicial arm of the
process, the Administrative Hearings Counsel, became complicit in what has
evolved into a conspiracy of cover-up in a vein and unsuccessful attempt
to justify actions and statements that were NOT defensible from the outset;
while at the same time attempting to “force fit” false facts,
tainted facts, distorted facts and wrongful facts into regulations –
some regulations that did not even exist at the time the allegations were
made.</p>
<p>I shall now return to Wednesday, November 19, 2003. The time is approximately
9:40AM. Mr. John Bresnahan, inspector for the State Board, conducted what
is purported to be a surprise inspection at Nordgren Memorial Chapel in
Worcester. After inspecting the premises, Bresnahan asked to see six (6)
pre-need files and six (6) files were presented to him for review. Of the
six (6) files given to Bresnahan, five (5) were pre-need and one (1) was
a completed funeral file. (To this very day, NO one has been able to explain
why one (1) of the files given to Bresnahan was a completed funeral file
– except that the completed funeral file was apparently and suspiciously
missing the Cost of Goods and Services Form). Of the remaining five (5)
pre-need files, two were purported to be missing documents (one arranged
by Mr. Johnson and one arranged by me).</p>
<p>What happened next, or a more accurate depiction – “What didn’t
happen next!” tells volumes as to the motives of the Mangsen’s
and the State Board inspector, Bresnahan.</p>
<p>Bresnahan declared, “the State Board will not look kindly on this,
and this will get you a quick trip before the Board in Boston”. <em>Did
Bresnahan inquire as to why one of the files presented to him was a completed
funeral file, when he ONLY asked for pre-need funeral files? The answer
is <strong>“NO!” </strong>Did Bresnahan ask for additional pre-need
files to review to determine if there was a pattern of activity in how pre-need
funeral files were assembled at Nordgren Memorial Chapel? The answer is
<strong>“NO!”</strong> As a result of his sketchy review, did
Bresnahan single out Haddad, even though apparently a file completed by
Mr. Johnson was deficient?</em> The answer is <strong>“YES!”</strong>
“But why, you ask?”</p>
<p>It just so happens at this time the Mangsen’s were attempting to
find reason to terminate me, having attempted to reduce my salary in late
September 2003, having terminated my family dental coverage and cell phone
(both on November 8, 2003), and having been advised by legal counsel to
be extremely careful in their termination efforts; since I was an owner,
an investor, and a nine plus year employee of the firm. According to statements
made to the State Board by Bresnahan on December 9, 2003 and I quote, “They
(the Mangsen’s) were in the process of essentially terminating him”.</p>
<p>The Mangsen’s were confronted with explaining why three (3) corporate
files (2 pre-need and 1 at-need) housed at Nordgren Memorial Chapel, under
control of the Corporation, and not ever locked until approximately 3 months
prior to the inspection on November 19, 2003 were apparently not complete.
Prudent and typical business practices would dictate (as testified to by
the inspector/investigator Bresnahan) that Nordgren Memorial Chapel, the
Mangsen’s, Haddad, and legal counsel (if necessary) would come together
and review the files in question and determine what might have caused the
apparent deficiencies. But NOT in this case!</p>
<p>Not ONLY was I not consulted in this matter, not ONLY was I denied an opportunity
to review the files that were housed at Nordgren Memorial Chapel to determine
why supposedly the referenced files were deficient, a letter was prepared
by Nordgren Memorial Chapel’s legal counsel within two (2) hours of
Bresnahan’s inspection, brought to Kurt Mangsen for signature, presented
to a constable, who, in turn, delivered the letter of termination to me
upon my return to my residence at approximately 4:30PM – less than
5 hours after Bresnahan’s departure from the funeral home.</p>
<p>At this time, I will not dwell on the<strong> “red flags”</strong>
that were popping up all over the place; but either the State Board and
its inspector were so blinded that they could not see them and question
them or they were so biased, so prejudiced, and soon to be so corrupted
that they “didn’t want to see” that which would have been
blatantly obvious to an impartial, non biased, and non-prejudiced government
functionary and State Governance Board. </p>
<p>Mrs. Mangsen and Mrs. Wiles (Mrs. Wiles being Mrs. Mangsen’s dear
friend and secretary/receptionist at the funeral home) neither being a funeral
director, neither trained in any way in funeral service, absent any funeral
director (licensed or otherwise) commenced a review of Nordgren Memorial
Chapel’s Corporate pre-need funeral arrangements specifically and
solely arranged by me (Haddad) three (3) days after I was terminated on
November 19, 2003.</p>
<p>Mrs. Mangsen and Mrs. Wiles alone and with NO independent entity present
and in the absence of Bresnahan, prepared a spreadsheet of documents supposedly
missing from arrangement files I had worked on over the past nine (9) years
and others dating back to the time I was employed at Caswell-King Funeral
Home. Once completed, the spreadsheet was forwarded to Bresnahan. <em><strong>Red
Flag! Red Flag! Red Flag!!!!</strong></em></p>
<p>What corporate entity would perform its own inspection (unsupervised) of
its own corporate records, note supposed deficiencies, prepare a record
of same, and forward it to a Regulatory Board that has the authority to
provide sanctions and impose disciplinary action on the corporation and
its officers? I have posed this question to corporate owners of numerous
businesses – some in funeral service and many outside of funeral service.
The answer most often given is – “<strong>No one in their right
mind!</strong> For if someone was so naïve as to attempt to strike
a deal with the investigator and State Board to assassinate someone else’s
character while attempting to divert attention away from them personally,
to do so would be suicide for the corporation”. </p>
<p>The obvious questions and the ones posed to me most often were –
“Where was Nordgren’s Corporate Counsel in this matter?”
“He/She could not have been aware of the actions of their clients
(the Mangsen’s), and he/she certainly could not have possibly concurred
in and approved their actions, could they?” My response, <strong>“Apparently
so!”</strong></p>
<p>On December 9, 2003, the Mangsen’s, Ronald E. Johnson (a funeral
director and member of Nordgren Memorial Chapel’s Board of Directors),
and Scott S. Sinrich, Esq. (a partner in the Law Firm of Phillips, Silver,
Talman, Aframe, & Sinrich, PC in Worcester) made several statements
to and before Members of the State Board that are of interest and have special
significance to issues presented on this web site for the past two (2) years
<u> <strong>(that is correct</strong></u> – this web site has been
dedicated to presenting the facts and the facts ONLY in this case for two
full years and shall continue to be the factual eyes and ears of the corruption
and evil that has consumed many in the past 40+ months). </p>
<p>I shall now share several statements made by the aforementioned person
(s) on December 9, 2003 – statements that are on an audio tape in
my possession and transcribed by a court reporter (after the fact) from
the audio tape.</p>
<p><strong><u>December 9, 2003 – Statement – Scott S. Sinrich,
Corporate Counsel, Nordgren Memorial Chapel</u></strong> – addressing
Members of the State Board, their attorneys, and government functionaries,
and I quote:</p>
<p><em>“She (referring to Katherine Mangsen, treasurer for the previous
18 months at the funeral home) never looked at the files that were prepared
by Mr. Haddad. It’s still a Nordgren – they’re all Nordgren
files, or should be Nordgren files, and Kurt (referring to Kurt Mangsen,
CEO and president of Nordgren’s for the previous 7 years) as president
is responsible ultimately for what goes on in the company. Recently, there’s
been a number of issues with Mr. Haddad. We found out that he was involved
in transferring pre-needs accounts to a company called Columbian Life Insurance
which we didn’t know about (we referring to the Mangsen’s and
Atty. Sinrich). In fact, on November 17, 2003 I wrote a letter to Mr. Haddad’s
attorney saying, - We don’t know anything about this Columbian Life
Insurance. We’d like more information. And two (2) days later, he
(referring to Bresnahan) walked through the door. So we were trying to learn
what the status was with Mr. Haddad’s files, and specifically Columbian
Life Insurance because we really didn’t know anything about what he
was doing.”</em></p>
<p>Atty. Sinrich continues, <em><u>“We know that we’re ultimately
responsible for these files. The files are incomplete”.</u></em></p>
<p>From the aforementioned statements made by Attorney Sinrich, one must conclude
that Atty. Sinrich and his clients profess to have had NO knowledge of Columbian
Life Insurance Company until the fall of 2003. This is what he attested
to before the State Board on December 9, 2003 and what was reaffirmed in
complaints filed with the Board by Mrs. Mangsen and testified to by both
Mr. & Mrs. Mangsen in depositions and in testimony before the Administrative
Hearings Counsel, Division of Professional Licensure.</p>
<p><u>Questions that immediately come to mind.</u> Did Atty. Sinrich know
for a fact that the aforementioned statements he made to the State Board
were true and factual, or was he relying on his clients (Mr. & Mrs.
Mangsen) as the verifiable source of his statements? Were Atty. Sinrich’s
statements and remarks a natural extension of his advice and counsel to
the Mangsen’s to terminate me from my 9+ year employment on November
19, 2003 without the opportunity to respond with the documents in hand to
the concerns raised by Bresnahan and now the State Board? </p>
<p>I certainly am not in a position to speculate with certainty as to the
motives of Atty. Sinrich or the Mangsen’s, but I am in a position
to present the facts and testimony which will shed <strong>“great
light”</strong> on the veracity of the statements made by Atty. Sinrich
and the Mangsen’s.</p>
<p>The facts in this one issue and one issue alone (for there are many statements
that will be addressed in this and future updates).</p>
<ul>
<li> Columbian Life Insurance Company’s district manager (Peter Klamkin),
Jack Carrigan (treasurer, Nordgren Memorial Chapel), and I met at Nordgren
Memorial Chapel in April, 1999 to discuss the issue of potentially opting
for a conversion from Trust to Insurance for families concerned year in
and year out about receiving 1099 tax forms for interest generated on prearrangements
funded through trust. Kurt Mangsen was invited to participate in this process
by both Carrigan and Haddad, but he chose not to participate and left the
final decision to Carrigan, treasurer of the Corporation in 1999.</li>
<li> Columbian Life Insurance Company’s Klamkin presented a proposed
“draft” letter that had been used throughout Massachusetts and
the country by funeral directors in this process to Jack Carrigan and me
for our review and concurrence.</li>
<li> The proposed “draft” letter was modified slightly by Jack
Carrigan (lots of grammatical notations) and then presented to Family Bank’s
Peter Armbruster (Family Bank in 1999, which in 2003 was BankNorth) for
comment and concurrence. The proposed “draft” letter then went
back to Columbian Life Insurance Company’s legal office for concurrence
(thru Klamkin).</li>
<li> The final approved letter by Carrigan, Family Bank, and Columbian Life
Insurance Company and printed on Nordgren stationery was then mailed out
to approximately 30 families.</li>
<li> Responses from families were mailed to and received by/at Nordgren Memorial
Chapel. Responses, either to convert or not to convert at the discretion
of each family, were returned with signatures of the original makers of
the arrangements.</li>
<li> Approximately, 22 of the 30 families contacted (exact numbers unavailable
to me since I was locked out of the funeral home without notice on November
19, 2003 – the same day Bresnahan supposedly performed his unannounced
inspection at Nordgren Memorial Chapel) decided to effect the transfer;
and approximately 8, who received the exact same correspondence, chose NOT
to participate in the conversion process for the 1099 tax form was NOT an
issue for them. </li>
<li>The responses were then provided to Family Bank, who cross referenced and
verified the veracity of signatures dating back to the date initial funding
arrangements had been made. Only after a thorough analysis and Family Bank’s
due diligence were funds remitted to and received at Nordgren Memorial Chapel
by its then receptionist/bookkeeper, Betty Sander (copy of receipt for same
in my possession and made part of the record).</li>
<li> Soon, thereafter, documents and completed applications were prepared by
Columbian Life Insurance Company’s, Klamkin and signed at his direction,
and forwarded to Columbian Life Insurance Company in Binghamton, NY for
processing. In all cases policies were issued and all documents related
to the conversion process were placed in the appropriate pre-need files
maintained at the corporate office at Nordgren Memorial Chapel, 300 Lincoln
Street, Worcester</li>
<li> Unless there was a question by a family or a death occurred for a pre-need,
I had NO reason to review the contents of these files – for they were
completed at the time and the funds were secured and monitored by the corporate
officers at Nordgren Memorial Chapel.</li>
</ul>
<p>The investigator, Bresnahan, and the State Board believed the Mangsen’s
and their attorney, Sinrich; for they would NOT willingly make false statements
“on the record” to the State Board. (or would they?) The investigator,
Bresnahan, his 3 different supervisors (over a 5 month period) and the State
Board gave no credence to my responses to the complaints and an Order to
Show Cause was issued to me on June 29, 2004.</p>
<p>The prosecution attorneys, Read and Alexander, made some definitive statements
in their introductory remarks about what they were about to prove based
upon Bresnahan’s supposed investigation, the detailed review and scrutiny
by his supervisors, the decision by the State Board that the statements
by the Mangsen’s and their attorney, Sinrich, were factual and proven.</p>
<p><strong><em>As the consummate “Champion of the Truth” from
day one of this charade, it was now my time to shed “Great Light”
and to illuminate the “real” truth in this matter once and for
all. </em></strong></p>
<p>During the cross-examination on March 31, 2006 of Kurt Mangsen, president
and CEO of Nordgren Memorial Chapel for almost 10 years now, I asked Kurt
once again when he was first aware of Columbian Life Insurance Company and
its involvement at Nordgren Memorial Chapel? Kurt responded, “About
the time, you (meaning me) were terminated as an employee” –
that being in the fall of 2003. </p>
<p>I then presented to Mr. Mangsen, the prosecution attorneys, and the Administrative
Hearings Counsel a listing of families that had prearrangements with Nordgren
Memorial Chapel, funded with Columbian Life Insurance Company, and who had
passed away between 1999 when the conversion was initiated and November
19, 2003 when I was abruptly and without notice terminated from my employment
at Nordgren Memorial Chapel. (I regret ONLY that there were NO cameras in
the Administrative Hearing at that moment, for the look on the faces of
the prosecution attorneys and the Administrative Hearings Counsel as they
stared at each other in shock and dismay, was worth the price of admission
and a picture I shall always remember with vivid detail).</p>
<p>The listing prepared by Columbian Life Insurance Company and verified by
copies of individual checks to support the cover page clearly demonstrated
that Columbian Life Insurance Company had paid directly to Nordgren Memorial
Chapel – <strong>GET THIS</strong> – the tidy sum of $114,000+
between 1999 and 2003. And yet, Kurt Mangsen, president and CEO of Nordgren
Memorial Chapel, and his wife and treasurer of Nordgren Memorial Chapel,
Katherine Mangsen along with their corporate counsel stated emphatically
and without reservation, that they had NO knowledge of the existence of
Columbian Life Insurance Company until the fall of 2003.</p>
<p>Where was the investigator, Bresnahan? Where were the State Board Members
in 2003 (to be referenced again in subsequent updates)? Where were Bresnahan’s
supervisors? Where were the “checks and balances” built into
the system we refer to as a democracy in America? Where were the State attorneys,
whose obligation to the system and to State Government was to “put
the brakes on” an unjust, biased, prejudiced, and obviously FLAWED
process – clearly evident from the outset by the remarks and blasphemous
statements of the then, Chairperson of the State Board (Kazlauskas) and
its investigator (Bresnahan).</p>
<p>The Board allowed themselves to be corrupted by the Mangsen’s and
their attorney, Sinrich. The Board allowed themselves to be corrupted by
it chairperson, Kazlauskas and investigator, Bresnahan. And years past while
those in the process attempted to cover up “real facts” with
false facts, distorted facts, and wrongful facts.</p>
<p>The Administrative Hearings Counsel had no choice but to admonish Mr. Mangsen
for his unsupportable statements indicating he was unaware of Columbian
Life Insurance Company until the fall of 2003, when in fact his funeral
home (Nordgren Memorial Chapel) had been receiving payments for funerals
performed at his funeral home from Columbian Life Insurance Company for
more than 4 years.</p>
<p>This is but one of many instances of <strong><em>“False Light”</em></strong>
being forced-fit into a process that can ONLY be described as “a conspiracy”
layered with corruption and a FAILED attempt at cover-up by parties whose
obligation it is to protect public health, welfare, and safety. </p>
<p>Since there is so much that “now can and need be said” , <strong>Para-Myths</strong>,
if you will, proven over and over again, <strong>the next update will be
March 29, 2007</strong> with future updates every 10 days on average. On
March 29, 2007, I shall present additional statements and actions made and
taken by the Mangsen’s; their attorney, Sinrich; and Ronald Johnson
that are equally as offensive, equally a misrepresentation of the “real”
facts, that can ONLY be characterized politely as<em><strong> “Para-Myths”
</strong></em>for the purposes of this web site and the process I have alluded
to throughout.</p>
<p>As an aside, the emails keep pouring in (17 at the moment) referencing
the Funeral Monitor’s Bazaar assumptions made in its (supermarket
tabloid) and the outrage from industry sources. I shall wait another couple
of weeks to publish the emails – and I shall present a “very”
representative sample – for only one of the 17 has been complimentary
(sort of) to the Funeral Monitor. </p>
<p>I stated I would explain the significance of the numbers <strong>1,214</strong>
and<strong> 4,897</strong> at the conclusion of this update.</p>
<p> <strong>1,214</strong> - the number of days that have passed since I was
abruptly and unjustly<br>
terminated from employment at Nordgren Memorial Chapel</p>
<p><strong>4,897</strong> - the number of hours I have spent to date since
November 19, 2003 in<br>
defense of my name and reputation against the frivolous, malicious, and
false<br>
statements and allegations made by the Mangsen’s and their attorney
– All of <br>
which have been disproved by the evidence and testimony of witnesses.</p>
<p><strong>Till next time - “In God We Trust”</strong><br>
Philip G. Haddad, Jr.</p>
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