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<h3 class="title">All the King’s Horses and all the King’s Men,
Couldn’t put “Humpty – Dumpty” Back Together Again!!!!!</h3>
<h4 class="titlesmall">UPDATE: November 11, 2007</h4>
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<p>Al, referenced almost exclusively in previous updates (September 30th and
October 8th), has a true sense of the moment and being “in the present”
when it comes to external factors that can and oftentimes do cloud the true
meaning behind actions taken and for what purposes. It is clear to me why
he is at the World Court although it is unclear to me exactly what his role
is at the World Court. Regardless, what is clear to me is Al’s brilliance
and perception of reality in a world torn with strife and corrupted by individuals
whose destiny is defined by their actions.</p>
<p>I shall devote this update to answering as many of your emails, voice mails,
and letters of support and criticism as time will permit in this text. <u><strong>Please
note:</strong></u> in the event your question or statement is not answered
herein, it does not mean that I will not in a subsequent Update address
your question. </p>
<p>In publishing questions, comments, and observations I have received via
telephone, email, fax, or mail; it is my policy to keep the names of the
individuals confidential unless the author gives me permission to release
his/her name. Such is the case with Al (not his real first name). I will
not publish a question, comment, or observation without knowing and verifying
the identity of the individual.</p>
<p>For example, I received an <strong><em>unsigned</em></strong> letter addressed
to Mr. & Mrs. Haddad, forwarded to my residence on October 24, 2007,
<em> <strong>supposedly</strong></em> authored by a retired clergyman who
commenced the letter with “Dear Mr. Haddad”. I so wish to publish
the letter (which is being reviewed by an analyst at this point), but will
not do so without the author acknowledging who he/she is. (I promise to
withhold his/her name etc; if this be his/her wish). <u><strong>(I ask the
retired clergyperson to contact me, so that I can verify the authenticity
of the letter and from whom it originated – then and ONLY then will
I publish the letter in its entirety). </strong></u></p>
<p>Let’s get started.</p>
<p><strong>Question:</strong> Mr. Haddad, “I have been following the
web site <em>(www.justiceatwhatprice.com)</em> closely now for almost 2
years. Back in late 1990’s, (I am the 3rd generation owner of a family
owned funeral home in Massachusetts) I forwarded a letter to my families
that had pre-planned and pre-funded funeral arrangements – funds that
were originally placed in a Trust Account with a bank. Each year families
complained about receiving IRS 1099 tax forms, and would call looking for
direction as to what they needed to do with them. I forwarded the letter
provided to me by Columbian Life Insurance Company to families allowing
them to make the decision as to whether or not to convert from the Trust
to Insurance. Some chose to convert – some did not. The process worked
well for all and especially for those whose concerns related to the 1099
tax issues. I had considered using Forethought Life Insurance Company for
the transaction, but John Bresnahan suggested I consider Columbian Life
Insurance Company and referred me to Peter Klamkin. Bresnahan told me he
had originally used Forethought, but when Peter Klamkin moved to Columbian,
Bresnahan moved his pre-need funding to Columbian.</p>
<p>Assuming this is the process followed by Nordgren Funeral Home, it is my
understanding that the Trust (Bank) must approve the letter to pre-need
client families prior to it being mailed, that the Trust (Bank) must cross-reference
and validate signatures of responsible parties to the original transaction
as well as authorizations for conversion prior to releasing funds for the
transfer to the funeral home, and that the Insurance Company (in this case
Columbian Life) must review all documents and authorizations so that they
are complete and accurate according to their published policies and signed
off on by their representative (in our case, Peter Klamkin).</p>
<p><strong><u>My 3 part question to you.</u></strong> <strong>First,</strong>
is what I have described reflect the process Nordgren Funeral Home followed?
<strong>Second,</strong> Did Columbian Life Insurance Company validate their
policies and procedures providing assistance and explanations of the process
and their involvement to Bresnahan, the investigator? <strong>Third,</strong>
Did Bresnahan’s investigation include a thorough review of the process
I have detailed with interviews and statements from the Trust (Bank) personnel,
from Columbian personnel, from Peter Klamkin, as well as from families that
either chose to convert or decided to leave their funding in Trust?</p>
<p>I ask these questions, since to my knowledge there are at least 15 of us
Massachusetts funeral directors that I am aware of (and probably many more)
that followed this same procedure and are now concerned and looking for
answers – and wondering where Columbian Life Insurance Company is
in the matter.</p>
<p><strong>Answer</strong> - First of all, “Thank you for the statements,
the clarification of the process you followed in the conversion process
at your Funeral Home with Columbian Life Insurance Company, and for the
questions posed. I shall answer each of your questions with undisputable,
veritable, and well documented facts”.</p>
<p>Back in 1999, at the encouragement of families that had prearranged funerals
either for themselves or for their loved ones and asking why they were receiving
1099 tax forms whereas others that had pre-arranged their funerals at other
funeral homes (such as Mercadante Funeral Home & Chapel in Worcester)
were not receiving 1099 tax forms; with the approval of Kurt Mangsen (who
now denies he ever knew about it) John Carrigan, treasurer at Nordgren Memorial
Chapel invited Peter Klamkin, regional manager for Columbian Life Insurance
Company to Nordgren Memorial Chapel to review the program in detail –
as Mr. Carrigan was familiar with Mr. Klamkin and Columbian Life Insurance
Company through his association with the International Order of the Golden
Rule (OGR). The meeting was held at Nordgren Memorial Chapel. Kurt Mangsen
chose not to participate (he stayed clear of Jack Carrigan, whenever possible).
At the meeting were Mr. Klamkin, Mr. Carrigan, and me.</p>
<p>At the conclusion of the meeting, Mr. Klamkin handed me a copy of a letter
used by other Massachusetts funeral directors in the notification process
for their pre-need client families. I immediately handed the letter to Mr.
Carrigan. The meeting concluded with Mr. Carrigan indicating to Mr. Klamkin
that either he (Carrigan) or me (Haddad) would get back to him.</p>
<p>Once Mr. Klamkin had left, Mr. Carrigan contacted the O.G.R endorsed firm
(ACCESS) that presently held the bulk of Nordgren’s pre-need funds
and asked if they had a mechanism whereby 1099 tax forms would not have
to be forwarded to families each year for the interest earned. Being informed
they had no way of precluding the sending out of 1099 tax forms for the
interest accumulated each year, Mr. Carrigan proceeded to speak with Family
Bank in Fitchburg asking the same question – to which he received
a similar answer. Mr. Carrigan then made a few grammatical changes to the
letter and directed me to forward the letter to Family Bank for their input
and approval.</p>
<p>The letter with Carrigan’s changes then went to Family Bank for their
legal review and approval. The letter was then returned to Nordgren Memorial
Chapel, reviewed once again by Carrigan and faxed to Peter Klamkin and Columbian
Life Insurance Company’s legal office for their review and approval.
Columbian’s legal office then forwarded their approved letter to Nordgren
Memorial Chapel. Carrigan reviewed the final draft of the letter, presented
it to the entire staff (including Kurt Mangsen) during one of the regular
afternoon coffee breaks; after which Carrigan authorized me to sign the
letters and send them out on Nordgren Memorial Chapel’s letterhead.</p>
<p>Families then had the option of converting by signing off and dating the
authorization forms provided by Columbian Life Insurance Company or taking
no action at all; thus leaving their funding arrangements with Family Bank.
Approximately 28 families seized the opportunity to convert eliminating
1099 tax forms being forwarded to them each year. At least 8 families decided
not to convert, leaving their funding with Family Bank.</p>
<p>To date, more than 8 years later, not one <u><strong>(NOT ONE SINGLE FAMILY)</strong></u>
that either decided to convert from trust to insurance or decided to leave
their funding arrangements as they were has ever complained, has ever alleged
they were unduly influenced in making the decision they made (their decision
being just that – “their decision” made of their own unfettered
will). This is the process initiated by Mr. Klamkin, approved by Mr. Carrigan,
treasurer of Nordgren Memorial Chapel, reviewed and approved by Family Bank
(or they would not have released the funds to Nordgren Memorial Chapel),
and implemented by Mr. Klamkin and Columbian Life Insurance Company.</p>
<p>In addressing your concerns about Columbian Life Insurance Company, the
answer is Columbian Life Insurance Company has been <strong><em>“deathly
silent”</em></strong> in this matter from the outset; unwilling to
come to the Administrative Hearings to testify to the facts, their policies
and procedures, and their involvement and that of their employee, Klamkin.
Add to this, the objection of the Division of Professional Licensure’s
prosecuting counsel, James Read, and the Administrative Hearings Counsel,
Anne Colleton, to allow depositions from Columbian Life Insurance Company
or to travel <em><strong>at my expense</strong></em> to Binghamton, NY for
the depositions (testimony); and it is clear Columbian Life Insurance Company
has been less than forthright when it came to their actions and those of
their employee, Klamkin.</p>
<p>So, to answer your question, Columbian Life Insurance Company in the person
of its Chief Legal Counsel, Daniel Fischer, has done nothing in support
of the circumstances and the truth in this matter.</p>
<p>I am intrigued by the 3rd part of your question concerning John Bresnahan’s
investigative role. I won’t jump to the conclusion that you know of
the special relationship between John Bresnahan, investigator for the Division
of Professional Licensure, and Peter Klamkin. I will therefore detail that
relationship as well as get to the “crux” of your question.</p>
<p>John Bresnahan and Peter Klamkin had a very cozy relationship dating back
to when John Bresnahan owned and operated a funeral home in Western Massachusetts.
Mr. Bresnahan not only funded pre-need funeral arrangements with Mr. Klamkin
through Forethought Life Insurance Company when Mr. Klamkin was an employee
with Forethought, but investigator Bresnahan even converted pre-need funeral
arrangements from trust to insurance with Mr. Klamkin when he (Klamkin)
moved from Forethought Life Insurance Company to Columbian Life Insurance
Company.</p>
<p>Did John Bresnahan, now investigator with the Division of Professional
Licensure for just 6 months in November, 2003, conduct a thorough investigation
into the matter with Columbian Life Insurance Company and the role played
by Mr. Klamkin in this matter?</p>
<p>In order to answer this question with the veritable facts, it would be
necessary to review the official investigative records of Mr. Bresnahan,
investigator for the Division of Professional Licensure, along with all
records pertinent to the issues before the State Board and the D.P.L. On
April 24, 2007, along with a witness, in the offices of the Division of
Professional Licensure, we reviewed what is purported to be the full and
complete record of all documents, all correspondences, all testimony, and
all emails associated with the complaints filed by Mrs. Katherine Mangsen,
investigated by Bresnahan, and subsequent actions taken by the State Board
and D.P.L. </p>
<p>What we found were investigative file jackets for each of Mrs. Mangsen’s
three (3) complaints – EM-04-124, EM-04-126, and EM-04-184<em><strong>
totally empty</strong></em> – investigative file jackets <strong>without</strong>
records, investigative file jackets <strong>without</strong> documentation
of any investigation having taken place, and <strong>without</strong> statements
of witnesses to validate the accuracy and credibility of the witnesses or
Mrs. Mangsen’s accusations and allegations.</p>
<p>We have petitioned the State Board for the missing records. We have petitioned
the Division of Professional Licensure for the missing records. We have
petitioned the Secretary of State’s, Public Records Administrator
for the missing records. And we have petitioned the Attorney General’s
Office for the missing records. As of this update, the State Board and Division
of Professional Licensure have chosen NOT to respond to inquiries and directives
from the Secretary of State’s Public Records Office or the Office
of the Attorney General. I, therefore, am unable to respond accurately and
completely to the 3rd part of your question until I get my hands on “massive
missing Public Records” being withheld from me.<br>
The subject of this Update is -</p>
<h3 class="title">All the King’s Horses and all the King’s Men,
Couldn’t put “Humpty – Dumpty” Back Together Again!!!!!</h3>
<p><strong>“Humpty – Dumpty”</strong> - is the State Board
of Funeral Directors & Embalmers and the Division of Professional Licensure.</p>
<p><strong>“All the King’s Horses & All the King’s Men”</strong>
– is the State Government of the Commonwealth of Massachusetts.</p>
<p>As you can see and WILL soon clearly see is what I have presented herewith
in this web site are the veritable facts in this matter, the corruption
within the Commonwealth continues unchecked as folks at the State Board
and Division of Professional Licensure continue to cover up their inappropriate
and unjust actions, continue to provide false statements as truths to high
level state officials (documented), and continue to waste state resources
estimated to exceed $3.5M up to this point. </p>
<p>I suspect in the very near future, you will NOT recognize the State Board.
You will NOT recognize the Division of Professional Licensure. And you will
NOT recognize the cast of characters presently known to you as civil servants
in the offices of the State Board and Division of Professional Licensure.
More soon.</p>
<p>Before wrapping up this update, once again I call upon the supposed retired
clergyman to contact me either at my home residence (which you obviously
are familiar with having forwarded your letter to me), on my home phone,
or by email, so that I might verify who you are, that the information provided
in your letter is factual – so that I may confidentially (if you so
wish) publish your words exactly as presented.</p>
<p><strong>NEXT UPDATE – November 20, 2007<br>
Subject –“The 9Th Gate – Summoning the Devil”!</strong></p>
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