FBI uncovers scam on prepaid funerals – be safe go to www.thai888.com

Prepaid Funeral Scam

Fitting End to Multi-State Fraud Scheme

Casket and Flowers

Thai888 Law and funeral service with cremation is a one stop office for writing the Will, complete service, application for court probate, body repatriation, contact family friends embassy police, Australian CEO, English, female staff should you require. Sea burial ashes. Why go anywhere else when you can do all with the one company? 

Scamming nuns. Taking advantage of the mentally disabled. Stealing from the elderly. Just when you think con men couldn’t sink any lower, they do: This time, a group of fraudsters took money from individuals who prepaid their own funerals to ease the financial and emotional burdens on their families.

Recently, a Missouri man and five others were sentenced to federal prison for their role in a Ponzi-like prepaid funeral scheme that victimized some 97,000 customers in more than 16 states. The scheme caused more than $450 million in losses, smaller or non-existent death benefits for families at their most vulnerable, and huge profits that lined the pockets of the defendants.

According to the Federal Trade Commission, millions of Americans enter into contracts to prearrange their funerals and prepay some or all of the expenses involved. Laws in individual states regulate the industry, and various states have laws to help ensure that these advance payments are available when they’re needed. However, protections vary widely from state to state, sometimes providing a window of opportunity for unscrupulous operators.

That’s just what happened with James “Doug” Cassity and his Missouri-based company called National Prearranged Services Inc. (NPS). As early as 1992 and until 2008, Cassity and the other defendants employed by NPS or affiliated life insurance companies devised and ran a scheme to defraud purchasers of prearranged funeral contracts obtained from NPS. Also victimized were funeral homes that did business with NPS, financial institutions that served as trustees of the prearranged trusts established by NPS for their customers, and state insurance guarantee associations.

In general, here’s what NPS told its customers: After discussing what the customer wanted, a price would be agreed upon and payment accepted. NPS would make arrangements with the customer-designated funeral home. In accordance with state law, the funds would be placed with a third party—depending on the state, that third party would be a financial institution that would put the funds into a trust that could be only used for safe investments (like government-backed securities)…or a life insurance company that would put the funds into a life insurance policy in the name of the customer.

Here’s what NPS didn’t tell its customers: The company didn’t put all of the funds from customers into a trust or life insurance policy, but instead brazenly altered application documents—i.e., changing deposit amounts, naming itself as a beneficiary, converting whole life insurance policies to term life—and used the money for unauthorized purposes like risky investments, payments for existing funeral claims, and personal enrichment. In some instances, defendants even removed money previously placed in trusts and life insurance policies. And NPS routinely lied to state regulators about its practices.

And if that wasn’t bad enough, NPS also purchased large blocks of prearranged funeral contracts from funeral homes that had previously entered into their own prearranged funeral contracts with customers, falsely telling these funeral homes that the contracts would be rolled over into life insurance policies.

The complex case—investigated by three federal agencies, a number of state regulatory agencies, and the Department of Justice—began in 2008 when we received information from several state agencies on the shady practices of NPS and one of its affiliated life insurance companies. It ended in November 2013, when six co-conspirators who took advantage of people’s desire to protect their loved ones upon their own deaths were finally brought to justice.

Protect Yourself and Your Loved Ones

Obviously, before you enter into a contract of any kind, make sure you do your due diligence on the other party (get references, check with the Better Business Bureau, etc.).

But here are some additional issues to consider from the Federal Trade Commission before prepaying for funeral goods and services:

  • What are you paying for? Are you buying only merchandise, like a casket and vault, or are you purchasing funeral services as well?
  • What happens to the money you’ve prepaid? States have different requirements for handling funds paid for prearranged funeral services.
  • What happens to the interest income on money that is prepaid and put into a trust account?
  • Are you protected if the firm you dealt with goes out of business?
  • Can you cancel a contract and get a full refund if you change your mind?
  • What happens if you move to a different area or die while away from home? Some prepaid funeral plans can be transferred, but often at an added cost.
  • Be sure to tell your family about the plans you’ve made and where your documents are located.

One stop Law Company Thai888

I heard a comment today regarding a one stop company that does all legal work and the presenter said it was unwise to go to a company like that. Really? Thai888 Law prides itself on making it easier for the customer.

They then went on to say that they do everything? I had trouble following the presentation as it jumped from subject to subject.

I can think of many first class and expensive law companies in the Pattaya area that do everything including advertising screens and lock security boxes. These are value added services and it is great for the clients. I am all for it and I believe free enterprise and if you can get an edge on your competition then why not?

The part that made me chuckle is that Thai888 Law has 2 distinct offices that each handle very different work. Through our standard operating procedures (SOP) we can and do control all aspects of legal work in many provinces. If you have systems in place then you can complete any task no matter how complicated AND all under the SAME company banner.

Thai888 Law has expanded over the years into an international legal service. We have the people and the knowledge to deal with an overseas call from another law firm or a frantic relative wanting answers.

Don’t be misled as most of the large companies in the World have merged into a leaner, faster, more cost friendly consumer friendly organisation controlling all aspects of the product. You only have to look at your local Big C store and find that they no longer just sell food items but insurance, electrical items, household furnishings or in other words a one stop shop.

Thai888 Law offers everything to do with Legal Service. This is normal practice. If we get a job that needs a specialist Lawyer then we will retain one. However in 7 years this has never happened. Thai888 Law has grown and just last week we hired another 2 staff that are more than qualified to do the work. Most staff are law graduates and others are studying Law or accounting or another subject that fits into the Thai888 mission statement.

Our clients like the one stop principle particularly if they are calling from overseas and need an English speaking person to answer the call and give them answers to their concerns. One stop. The relief they feel knowing that they can retain our services and work with us through difficult times is enormous.

If you look through our site you will see that we take the issue and carry it through to the end. During this process we deal with local and international governments, offices, people, several different languages and bureaucracies, the police, the family and friends and much much more.

One thing that really stands out is the need for English – a presenter and their company can loose all credibility when they stand up and say excuse me my English is not so good! I understand as my Thai is terrible – that’s why we have 4 English Thai staff and 1 native Australian CEO. If we need another language we have on many occasions used a smart phone to talk and answers questions with clients. I am amazed at how well this translator works an so I give Google and Samsung the thumbs up for their R&D.

Last there is a lot of radio talk at the moment on the taboo subject of death and how to handle it. I must say that Thai888 Law is coming up to its 7th year operating in Pattaya and during that time we forged relationships with Clive Monkhouse from the Allison Monkhouse Australian Company. Many things have happened during this time and one in particular was when Monkhouse had no presence in Thailand. Thai888 Law had been using and marketing the brand for many years thus proving our contractual arrangements with Monkhouse. As there was no Monkhouse, Thai888 Law absorbed this funeral and cremation work into its offices. We put people in place in Bangkok to deal with the Police Forensic Hospital and staff are trained to deal with the Embassies. Trained in arranging and making cremations as per the families request. Even sea burials. In a word we carried on. This relationship still stands although the Monkhouse banner is no more. All funeral, cremation, embassy work is done by Thai888 Law and office 10 is set aside for this work and the CEO Kelvin Bamfield controls this and the grant of probate. And yes we have a mostly female team that can handle things in a sensitive manner.

Thai888 Law does not do fancy advertising – we rely on word of mouth and referrals from previous clients. Check out our Google reviews.

Contact us for any legal matter and we shall do our best.

August 2018 presentation on enduring power of attorney or a living will what is the difference euthanasia brain dead terminal

Thai888 Law Company Pattaya on Living Wills and Power of Attorney POA at PCEC

https://www.youtube.com/watch?v=MClqicINC7Y

Thank you Pattaya City Expats Club for inviting me to present on Living Wills and Power of Attorney POA

I have received lots of feedback and sorry for my performance on the day (I was coming down with a cold and was having trouble catching my breath)  https://www.youtube.com/watch?v=MClqicINC7Y

All is well now

any questions just contact me and I am at the club most Sundays

Happy mothers day for next Sunday 12th

If any one have any other legal issues then go to office 12 as they handle civil criminal family and company issues (if you have a house in co name then see Jeab as she does the accounts as well as the DBD)

If you want a Living Will then you can do it

Most hospitals have them and its free – just make sure you have a good strong Surrogate to carry out your wishes – Thai888 Law does this work but we need to charge a little as there are some costs.CEO thai888 law master of ceremonies at the funerals in Thailand

Thai888 Law verified

I just found a way to get my wordpress site verified. I thought it was however now we should see more traffic and it will be easier for you to find us.

Primarily a Law office at number 12. There you will find qualified lawyers and para legal staff to assist you in criminal, civil, consumer, company and family law.

If you would like to start a company for whatever reason then contact us. Work permits, registration, FDA, contracts, leases, due diligence – all done in office 12.

Office 10 you will find qualified people to deal with making you last and living Will and Testament. Guiding you through the funeral and repatriation process and Probate where the Will and the Executor is approved by the Thai courts to later repatriate your body, ashes and assets back to your home country.

Thai888 Law has been doing this for many years and were associated with Allison Monkhouse Australia – Sadly Monkhouse is no more and so Thai888 takes this responsibility.

BTW our CEO is an Australian and so there are no language issues. In fact he receives many inquiries from all around the World and works mainly on international probate issues.

If you have never experienced probate then you are fortunate as it can be a very lengthy, frustrating, stressful  event. That is why Thai888 Law has 2 offices creating a one stop office to handle all your needs and issues.

Many times clients make a few calls and we do everything from start to finish, as some relatives are old or sick or to tied up in their work to travel to Thailand. On top of that they don’t know the language and will need our services for law and translation anyway. This is why we have built a solid reputation for dealing with all these issues. A few calls and all is done.

A 5 star rating on Google shows this.

Also a member of the Pattaya City Expats Club and the Pattaya Expats club where you can get special discounts as a club member.kelvin bamfield CEO Thai888 Law Office accepting award for his presentation to the Pattaya Expats Club on death Probate issue

Failed loan and how to get your money back

An interesting case Thai888 Law civil case against an individual in Ubon Ratchathani in the North East of Thailand.

The case involved the use of a Chanote (Land Title Deed) to secure a loan.

To cut a long story short the monthly payments stopped after a short time and then the Chanote was returned.

However the Chanot was forged.

So there are 2 issues here:

to get the money back an application was made to the Civil Court in Ubon as thats where the event took place

the forgery becomes a criminal matter and was referred to the Criminal Court, again in Ubon

The civil matter was listed and has been been running now for 2 years and the Chanote was finally given to the lender of the money. However, when presented to the Land Office in Ubon, the issue was treated as if the Chanote was lost and so many documents were submitted to get the correct lenders name on the Chanote. This will take 6-8 weeks before the name on the Chanote is changed and then sold.

At least 8 trips were made and so be prepared for a long fight:

costs were for a lawyer to attend court

flights to Ubon

hotel

taxis

etc.

So far only a few hearings at the Criminal Court and this means another 4-6 trips to Ubon to sort this out.

Legal issues can be resolved in your favour as long as you have all the docs things should go your way.

However be prepared for a long costly battle but when you get back whats rightfully yours then its a big win.

 

https://www.ubonratchathani.net/

blessing of Thai888 Law Company 2nd office Pattaya

3 monks to bless our new office in Jomtien Pattaya.

This office of Thai888 Law Company is for civil, criminal, family, company Law. There are enough staff to meet your needs. Lawyers on hand to answer you questions and an Australian CEO to make sure the English is correct.

The original office just up the hallway will continue to be for Probate, Wills and Testaments, Living Wills, International Probate inheritance and Beneficiary legal issues.

Also, Allison Monkhouse Funeral Services. Thai888 Law works with the police, hospitals, morgue, autopsy, embassy, family, friends, beneficiaries and named Executors that want to resign. Thai888 Law offers Executor services for those family overseas that cannot travel to Thailand for Probate hearing or appointing the Executor and approving the Last Will and Testimony.

another new office for Thai888 Law Company

law probate testament Will accounts thai888 law legal office funeral directors with allison monkhouse

thai888 work permit customer

thai888 law meeting room 1

thai888 law staff water views

thai888 law has 2 office in the same building
Thai888 Law Office – at number 12 for all legal requirements
OK we still have office 10 in the View Talay 5D building and now we have the corner office 12 overlooking the pool area.

Office 10 is for Living Wills, Last Wills, Probate issues.

Office 12 is for all criminal, civil, consumer, family and company Law issues.

Our LED advertising sign is bright and many people read it.

As soon as the signs are up I will post pictures for you.

PCEC or PEC expat clubs and Thai888 Law Company

Pattaya City Expats Club will soon be moving to a new venue so watch this space. OK the space looks like the Holiday Inn, which is next door to the Amari Tavern by the Sea.

Pattaya Expats Club is firmly setup at the Mercure Hotel Pattaya and has weekly Sunday meetings.

I have spoken at both clubs and have enjoyed the feedback and new clients these talks have generated.

If you have a question please don’t hesitate to ask.

I deal mostly in international Probate and the rest of the team is dealing with local Thai Laws of a criminal, civil, family, company, consumer nature.

kelvin bamfield CEO Thai888 Law Office accepting award for his presentation to the Pattaya Expats Club on death Probate issue

Thai888 Law Company has the answers to your legal problems.

Please don’t listen to armchair Lawyers as they are mostly wrong.

If you want answers then drop us an email. If you want to retain our services then we can discuss this.

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Some answers here at Thai888 Law Company Facebook

 

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