I am smarter than you

A quote by me to you,  circa January, 2010, when I didn't yet quite understand what was going on with you:

"I am smarter than you, I am younger than you, and I know how you think because what is in you is in me too.  You won't get away trying to outsmart me".

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I would never say that to you today.  There is no need to say anything like that today

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This was at the time you were changing banks every few days, and traveling from Western Union to Moneygram, wiring your money away forever, all under the direction of the internet scammers, who had instructed you to keep the truth from your family (and when you saw me as the enemy instead of your only true friend and advocate).

see:

http://seniorfraud.blogspot.com/2012/01/your-father-is-wiring-38k-to-africa.html

http://seniorfraud.blogspot.com/2013/09/over-21k-lost-in-december.html

http://seniorfraud.blogspot.com/2014/11/first-contact-with-scammer-peter.html

http://seniorfraud.blogspot.com/2014/11/unclaimed-assets-avery-dion-patrick.html

http://seniorfraud.blogspot.com/2014/11/john-england-david-donaldson-scam-2010.html

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This was at a time when I literally sent a letter to every bank in the 70 mile region, along with legal documents permitting them to talk to me.

I did it to protect you.  To protect you from yourself, and from the evil influences that had penetrated your life.

https://seniorfraud.blogspot.com/2017/10/example-letter-to-all-regional-banks.html **********************

I still have the phone numbers for the secret service, FBI, social services  and way too many sheriff's offices.

what you should do if this happens to you ; Alternative title: We didn't sue the bank

1.   Be aware that the ideal / already conned victim may view your interests and actions to protect them from scammers  as hostile .
      a.  Your trusted parent /loved one may not see you as their advocate even if you are only acting in their self interest. They are built up, flattered, reinforced  and instructed by the CON artists to keep the truth from you and to prove to you that they are right and you are wrong.
   
In my case, not asking dad for permission to do something was a big change.

Part of being an adult child dealing with a vulnerable parent does involve a shifting of the roles.  You cannot ask for permission to do what is right when you are in a circumstance such as this. 


2.  Legally secure the owned property so it cannot be stolen or that loans cannot be placed using it as collateral
      a.  Talk with estate lawyer
      b.  Use your power of attorney before it is revoked (if you end up in a hostile situation where the victim and scammers are on one side and you are on the other side)
      c.  If necessary, court ordered conservatorship is the last resort .

Conservatorship is a kind of Guardianship , but it is restricted to only dealing with financial affairs, allowing the person to maintain their autonomy in other aspects of life.
Legal advice for the conservatorship process totaled in excess of $10,000 in our case (using a general attorney from a small town, as opposed to a Eldercare attorney specialist, which may or may not be less expensive.  Our case also involved keeping the attorney in the loop on multiple lines of evidence of financial incompetence as they became evident, which was a time consuming process, possibly not necessary in all cases)
 If the victim is sufficiently impaired that they are not capable of personal self-care (ie, beyond financial oversight needs), such as feeding, grooming, etc,  then Guardianship may be apart of this process.  Guardianship requires physician /social services documentations as well.

3.  Report to police, state and federal Fraud resources (including attorney general for your state) but don't expect much help from the law.
Even the loss of an individuals entire life savings is small potatoes in the world of international fraud.  The police system is not equipped to deal with these individual cases which often have international connections.

4.  Document, Document, Document.

5.  Recognize if there is one form of scam taking place against your senior Victim, there may be more.
Look for evidence of credit card fraud, which can be traced and for which legal/ police recourse may be available.

6.  We didn't sue the bank, but if I had it all to do over again, I would investigate this option.  The bank has a responsibility to recognize suspicious transactions, especially international wire transfers.


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For those in less perilous circumstances, or for those who want to plan for the future to prevent such occurrences

Establish power of attorney with a trusted advocate while you are still young.

Speak with your accountant or lawyer about what kinds of safeguards you can build into the management of your resources to protect you (including from yourself) while you are alive.

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The advice offered in this blog is only the opinion of the blogger and is not intended as legal advice. Proper legal council is recommended in all matters.  

Over $21K lost in December

The documents with names and bank information where the scammers asked to have the money sent.  The names may not be the true names of the involved scammers, but perhaps they had bank accounts set up with those names.  Most important is the actual bank account information which might be traceable to prosecutable individuals

George Cole INSTRUCTIONS FOR HOW TO WIRE TO SOUTH AFRICA BANK ACCOUNT
3H INTERNATIONAL TRADERS

The Swiftcode is for NedBank in Johannesburg, South Africa

The swiftcode is for Nedbank in Johannesburg South Africa



VICTIM'S NOTATION OF WIRE/ MONEYGRAM TRANSACTIONS IN DECEMBER 2009 AND JANUARY 2010

WIRE TO ALSAYED MAMANN ROUTING NUMBER 021000089, ACCOUNT NUMBER 99333900626
NOTE that while it states that this is to Brooklyn, NY, it is actually to Citibank in New Castle, DE

email instructions for sending money to Sunny Okhaifoh, Moneygram account number 09920693965



WIRE TO TENNYSON OSEAGA ROUTING NUMBER 02100021 ACCOUNT 861578474
Note that while it states it is to bank in Brooklyn, NY, it is actually to JP Morgan Chase Bank in Tampa, Florida

Your father is wiring 38K to Africa tomorrow

This is a day I will never forget :  December 23, 2009

The names and locations have been changed in order to protect the innocent.

The cell phone rings.  I answer it.  A strange voice on the other end says, "Hello, Anne.  This is Steven Johnson from the Bank in Smalltown, Minnesota. I am the president of the bank and thought I could justify calling you since your name is also on the account.  Your father has scheduled a wire for $38,000 to Africa tomorrow  We are concerned because we think he is being scammed.............."

Life has never been the same since that day.