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'Ted' Theodore Lewis Whidden

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     Exposing Fraud and Deception to protect the public good.

    www.frauddocumentation.com     www.frauddemonstration.com    www.frauddevelopment.com  

Correspondence contained herein is considered a reasonable copy of the original.  During formatting some content may have been electronically altered.  In some cases names have been masked or modified to assist in connecting or protecting those involved. In several instances the disclaimer at the bottom of emails shared thru the underwriter's messaging system were removed in web formatting. It will likely be found that the use of disclaimers in their email footers is an attempt to conceal material data, and to use this as a tactic to intimidate victims. (Thus another pattern of fraud emerges.)


---------- Forwarded message ----------
From: Ted Whidden <www.tedwhidden.com>
Date: Mon, Oct 10, 2011 at 2:42 PM
Subject: John R Pecoraro, second requested CPCU/SCLA ethics/code of conduct review, as well as request to review/revisit the first ethics/code of conduct mishandling.
To: Donna Popow <popow@cpcuiia.org> , Popow@theinstitutes.org
Cc: "Elliot Orol, SVP General Counsel Tower Group" <eorol@twrgrp.com> , "Joel Weiner, SVP Strategic Planning Tower Group" <jweiner@twrgrp.com> , "Austin Young, Director Tower Group" <ayoung@twrgrp.com> , "Christian Pechmann, SVP Marketing and Dist. Tower Group" <cpechmann@twrgrp.com> , "Jan Van Gorder, Director Tower Group" <jvangorder@twrgrp.com> , Rori Strickland <Rori_Strickland@aequicap.com> , Susan Eylward <seylward@twrgrp.com> , "Salvatore Abano, CIO Tower Group" <SAbano@twrgrp.com> , EPalmer@twrgrp.com , Michael Lee <info@twrgrp.com> , "Pusey, Keisha" <KPusey@twrgrp.com> , "Steven Schuster, Director Tower Group" <sschuster@twrgrp.com> , "Strickland, Rori" <RStrickland@twrgrp.com> , "Laurie Ranegar, SVP Operations" <lranegar@twrgrp.com> , "William Fox, Director Tower Group" <wfox@twrgrp.com> , John Pecoraro <John_Pecoraro@aequicap.com> , LAptman@twrgrp.com , "Pecoraro, John" <JPecoraro@twrgrp.com> , Adam Perri <aperri@twrgrp.com> , MSturm@twrgrp.com , Keisha Pusey <Keisha_Pusey@aequicap.com> , "William Hitselberger, CFO Tower Group" <whitselberger@twrgrp.com> , MGuiry@twrgrp.com , "Robert Smith, Director Tower Group" <rsmith@twrgrp.com> , "Gary Maier, SVP Chief Underwriting Officer Tower Group" <gmaier@twrgrp.com> , "Charles Bryan, Director Tower Group" <cbryan@twrgrp.com> , "Michael Lee, CEO Tower Group" <MLee@twrgrp.com> , Ruth Oren <ROren@twrgrp.com> , "William Robbie, Director Tower Group" <wrobbie@twrgrp.com> , ibarahona@twrgrp.com , cbyrd@twrgrp.com , edemps@twrgrp.com , ldavila@twrgrp.com , acarty@twrgrp.com , mestepa@twrgrp.com , rgaynor@twrgrp.com , tkennedy@twrgrp.com , amccoy@twrgrp.com , cmilian@twrgrp.com , dnelson@twrgrp.com , racosta@twrgrp.com , jbaron@twrgrp.com , jclaxton@twrgrp.com , miler@twrgrp.com , mkahn@twrgrp.com , clovisone@twrgrp.com , jphillips@twrgrp.com , jquach@twrgrp.com , breed@twrgrp.com , nscola@twrgrp.com , rszumigata@twrgrp.com


Dear Ms. Popow,

As promised herein please find the initial filing for the second
ethics and Code of Conduct review initiated by myself regarding your
member John R Pecoraro (CPCU/SCLA) said to be working on behalf of
Tower Group Insurances.

As your group improperly responded/reviewed the first ethics/Code of
Conduct review I am asking that you take another look at it,
understanding that Pecoraro leaves no shortage in material to file
these types of complaints and the complaints will persist as long as
action is not taken, and will persist until proper action is taken.
At this juncture the CPCU/SCLA, their membership, and the ethics
review system is actually going on a trial as sorts to see if you can
indeed recognize and take proper action. There is an additional
ethics review/Code of Conduct issue being prepared at this time,
making it the third opportunity that will be coming your way to
recognize the integrity (or lack thereof) of your member.

As you will see, the subject matter of this request for review was
obtained from Pecoraro's filing (36 filings constituting a wide array
of violations) that was made since your last ethics/code of conduct
ruling. Again, your initial ruling was in error, and the courts will
likely find Pecoraro and those under his direction guilty on all
charges. If the CPCU/SCLA fail to properly recognize and act this
will likely reflect poorly on them. Meanwhile, the main subject of
this filing is 36 new offenses initiated by your member. As per your
rules I have outlined the rules, stated a brief response, and posted a
link to the Florida Civil Remedy system where Pecoraro is being
exposed in the Florida Public record system and he is applying the
CPCU/SCLA endorsement you allow him to carry.

It is imagined that your initial error in ruling on the first filing
was the misdirection by weak legal counsel and failing to understand
the application of the "Reservation of Rights". Irrespective of any
legality or shelter this gives the CPCU endorsed criminal Pecoraro, he
is still not allowed by law to perpetrate the numerous frauds
initiated on his part following his tactic of: Taking a frivolous
stance (not at fault in a rear end collision), lieing to hide/cover
his frivolous position (thus committing fraud), and then continuing
the lie to State officials, claimants, etc. Pecoraro appears to know
no bounds, because his latest 36 filings demonstrate no respect for
truth, honor, or law. As this type/style of behavior continues I see
no way they can possibly defend your member's criminal behavior.
Fortunately, there are still some avenues to pursue prior to
litigation. If your group fails to take proper action given the
opportunity the criminal behavior will similarly reflect on your
organization. It is indeed a tangled web. As a public service I am
advising you so you can separate yourself from this type of person, or
hang on tight as his employers appear to do and take plenty with him.

Our third filing against Pecoraro and the fourth will likely make a
different type/style of approach. Meanwhile, understand the only way
Pecoraro can walk clear of the mess he has created is likely by lieing
to you and your ethics/code of conduct review board. This is the
unique thing about fraud. Until it is admitted, then it requires
additional frauds/deceptions to keep it at bay. Your review panel
will at any rate sooner or later take action against Pecoraro lest you
find yourself operating an extremely corrupt association. It is the
hope to get this kind of information to the public if it can help
address an industry in decay taking advantage of consumers and/or the
public at large. You have endorsed the person John R Pecoraro. How
long will you continue to endorse his behavior?

Additional filings will be forthcoming. There is no reason to stop
short of additional filings, and there is shortage of material while
dealing with Pecoraro and his affiliates. Thank you for understanding
the gravity of these offenses and filings.

Sincerely,

Ted Whidden


Rule 3.1
States in part:
A CPCU shall not willfully misrepresent or conceal any fact or
information, or fail to furnish any fact or information to the
business or professional activity.

RESPONSE: Whereas we have seen under the first ethics/code of conduct
review that Mr. John R Pecoraro wa’s fraud was apparently overlooked
and allowed, thus placing the CPCU and Ethics Code itself in line for
action, we see in this current filing that Pecoraro’s complete
disregard for lawful activity (and your ethics board failure to
address it) in posting 36 additional frauds to the Florida State
Insurance Commissioner. See Civil Remedy filing to the state advising
the state of the intention to pursue legal fraud action against
Pecoraro and his corporate employer. Note the misrepresentation in
the filing was done SINCE the first/initial ethics/code of conduct
review. Since the CPCU failed to take proper action on the first
ethics/code of conduct inquiry, Pecoraro continued his criminal
activity. Fortunately, he will ultimately be put on trial for his
many frauds, bad faith, ba nehavior, etc. This in turn will serve to
place the CPCU and its ethics review process on trial for allowing
this to continue under their endorsement. You see, fraud is indeed a
tangled web.
https://apps.fldfs.com/CivilRemedy/ViewFiling.aspx?fid=186967

R3.2 A CPCU shall not allow the pursuit of financial gain or other
personal benefit to interfere with the exercise of sound professional
judgement and skills.

RESPONSE: Clearly as outlined in the initial filing Pecoraro has
failed to maintain a proper risk management perspective to protect
himself, his company parent, and/or his endorsing organization(s). If
Pecoraro has made these decisions ofr financial gain or protection of
his principle, then cleary he has failed. His crimes have clearly
increased liability to his principle, himself, and endorsing bodies.
https://apps.fldfs.com/CivilRemedy/ViewFiling.aspx?fid=186967

R3.3 A CPCU shall remain informed of, uphold and not violate any
policy, rule, law, or regulation relating to professional activities
within the country in which business is being conducted, nor commit
any felony, as defined by the country in which committed.

RESPONSE: John R Pecoraro has clearly committed multiple frauds, and
violated numerous other insurance and ethics laws/rules. Should
Pecoraro become committed of any of the FIFTY clear cut frauds he has
committed and routinely commits to the state, and to third parties,
then action should be taken. His frauds are becoming more prevalent
and easier to spot and to prove. In the recent insurance filing 36
frauds are pointed out. Pecoraro’s frauds are outlined in the Florida
Filing of August 29, 2011 following from the other many filings of
Pecoraro’s bad behavior. At some point one would think Pecoraro would
stop his unlawful activity.
https://apps.fldfs.com/CivilRemedy/ViewFiling.aspx?fid=186967

Additional filings for the same claim/loss which Pecoraro is involved
are used to demonstrate Pecoraro’s ongoing abuses, and his
dishonest/deceitful filings to the State of Florida.
https://apps.fldfs.com/CivilRemedy/ViewFiling.aspx?fid=181968
Further evidences and indications of Pecoraro’s devious activities are
outlined in Civil Remedy filings as we prepare for potential upcoming
litigation found at www.FraudDocumentation.com

https://apps.fldfs.com/CivilRemedy/ViewFiling.aspx?fid=168836
11/1/2010 WHIDDEN FRANK R. DELGADO YERA / OLIVA DELIVERY SERVICES
AEQUICAP INSURANCE COMPANY


https://apps.fldfs.com/CivilRemedy/ViewFiling.aspx?fid=169110
11/5/2010 WHIDDEN FRANK R DELGADO YERA OLIVA DELIVERY SERVICES
CASTLEPOINT FLORIDA INSURANCE COMPANY


https://apps.fldfs.com/CivilRemedy/ViewFiling.aspx?fid=171915
1/3/2011 WHIDDEN FRANK R DELGADO VERA OLIVA DELIVERY SERVICES
AEQUICAP INSURANCE COMPANY


https://apps.fldfs.com/CivilRemedy/ViewFiling.aspx?fid=171916
1/3/2011 WHIDDEN FRANK R DELGADO YERA OLIVA DELIVERY SERVICES
CASTLEPOINT FLORIDA INSURANCE COMPANY


https://apps.fldfs.com/CivilRemedy/ViewFiling.aspx?fid=175575
3/7/2011 WHIDDEN OLIVA TRUCKING/FRANK DELGADO AEQUICAP INSURANCE COMPANY


https://apps.fldfs.com/CivilRemedy/ViewFiling.aspx?fid=181904
6/3/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FRANK R
DELGADO CASTLEPOINT FLORIDA INSURANCE COMPANY


https://apps.fldfs.com/CivilRemedy/ViewFiling.aspx?fid=181906
6/3/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FRANK
DELGADO TOWER INSURANCE COMPANY OF NEW YORK


https://apps.fldfs.com/CivilRemedy/ViewFiling.aspx?fid=181908
6/3/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FRANK
DELGADO CASTLEPOINT FLORIDA INSURANCE COMPANY


https://apps.fldfs.com/CivilRemedy/ViewFiling.aspx?fid=181912
6/3/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FRANK
DELGADO TOWER INSURANCE COMPANY OF NEW YORK


https://apps.fldfs.com/CivilRemedy/ViewFiling.aspx?fid=181913
6/3/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FRANK
DELGADO CASTLEPOINT FLORIDA INSURANCE COMPANY


https://apps.fldfs.com/CivilRemedy/ViewFiling.aspx?fid=181916
6/3/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FRANK
DELGADO AEQUICAP FINANCE PARTNERS, INC.


https://apps.fldfs.com/CivilRemedy/ViewFiling.aspx?fid=181919
6/3/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FRANK
DELGADO AEQUICAP FINANCE PARTNERS, INC.


https://apps.fldfs.com/CivilRemedy/ViewFiling.aspx?fid=181923
6/3/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FRANK
DELGADO CASTLEPOINT NATIONAL INSURANCE COMPANY
 

https://apps.fldfs.com/CivilRemedy/ViewFiling.aspx?fid=181926
6/3/2011 WHIDDEN OSMAR OLIVA/FRANK DELGADO OLIVA DELIVERY/FRANK
DELGADO TOWER INSURANCE COMPANY OF NEW YORK
 

https://apps.fldfs.com/CivilRemedy/ViewFiling.aspx?fid=181928
6/3/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FRANK
DELGADO TOWER INSURANCE COMPANY OF NEW YORK


https://apps.fldfs.com/CivilRemedy/ViewFiling.aspx?fid=181931
6/3/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FRANK
DELGADO CASTLEPOINT NATIONAL INSURANCE COMPANY


https://apps.fldfs.com/CivilRemedy/ViewFiling.aspx?fid=181933
6/3/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FRANK
DELGADO CASTLEPOINT FLORIDA INSURANCE COMPANY


https://apps.fldfs.com/CivilRemedy/ViewFiling.aspx?fid=181934
6/3/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FRANK
DELGADO CASTLEPOINT FLORIDA INSURANCE COMPANY


https://apps.fldfs.com/CivilRemedy/ViewFiling.aspx?fid=181935
6/3/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FRANK
DELGADO CASTLEPOINT FLORIDA INSURANCE COMPANY


https://apps.fldfs.com/CivilRemedy/ViewFiling.aspx?fid=181936
6/3/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FRANK
DELGADO CASTLEPOINT FLORIDA INSURANCE COMPANY
 

https://apps.fldfs.com/CivilRemedy/ViewFiling.aspx?fid=181938
6/3/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FRANK
DELGADO CASTLEPOINT FLORIDA INSURANCE COMPANY


https://apps.fldfs.com/CivilRemedy/ViewFiling.aspx?fid=181941
6/3/2011 WHIDDEN OSMAR OLIVA/FRANK DELGADO OLIVA DELIVERY/TRUCKING
CASTLEPOINT FLORIDA INSURANCE COMPANY


https://apps.fldfs.com/CivilRemedy/ViewFiling.aspx?fid=181942
6/3/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FRANK R
DELGADO CASTLEPOINT FLORIDA INSURANCE COMPANY


https://apps.fldfs.com/CivilRemedy/ViewFiling.aspx?fid=181943
6/3/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FRANK
DELGADO TOWER INSURANCE COMPANY OF NEW YORK


https://apps.fldfs.com/CivilRemedy/ViewFiling.aspx?fid=181944
6/3/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FRANK
DELGADO TOWER INSURANCE COMPANY OF NEW YORK


https://apps.fldfs.com/CivilRemedy/ViewFiling.aspx?fid=181945
6/3/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FRANK
DELGADO TOWER INSURANCE COMPANY OF NEW YORK


https://apps.fldfs.com/CivilRemedy/ViewFiling.aspx?fid=181946
6/3/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FRANK
DELGADO CASTLEPOINT NATIONAL INSURANCE COMPANY
 

https://apps.fldfs.com/CivilRemedy/ViewFiling.aspx?fid=181947
6/3/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FRANK
DELGADO CASTLEPOINT NATIONAL INSURANCE COMPANY
 

https://apps.fldfs.com/CivilRemedy/ViewFiling.aspx?fid=181948
6/3/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FRANK
DELGADO CASTLEPOINT FLORIDA INSURANCE COMPANY


https://apps.fldfs.com/CivilRemedy/ViewFiling.aspx?fid=181949
6/3/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FRANK
DELGADO CASTLEPOINT INSURANCE COMPANY


https://apps.fldfs.com/CivilRemedy/ViewFiling.aspx?fid=181950
6/3/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FRANK
DELGADO TOWER INSURANCE COMPANY OF NEW YORK


https://apps.fldfs.com/CivilRemedy/ViewFiling.aspx?fid=181952
6/4/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FRANK
DELGADO CASTLEPOINT FLORIDA INSURANCE COMPANY
 

https://apps.fldfs.com/CivilRemedy/ViewFiling.aspx?fid=181953
6/4/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FRANK
DELGADO TOWER INSURANCE COMPANY OF NEW YORK


https://apps.fldfs.com/CivilRemedy/ViewFiling.aspx?fid=181954
6/4/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FANK
DELGADO TOWER INSURANCE COMPANY OF NEW YORK
 

https://apps.fldfs.com/CivilRemedy/ViewFiling.aspx?fid=181955
6/4/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FRANK
DELGADO TOWER INSURANCE COMPANY OF NEW YORK


https://apps.fldfs.com/CivilRemedy/ViewFiling.aspx?fid=181956
6/4/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FRANK
DELGADO CASTLEPOINT NATIONAL INSURANCE COMPANY
 

https://apps.fldfs.com/CivilRemedy/ViewFiling.aspx?fid=181958
6/4/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FRANK
DELGADO CASTLEPOINT INSURANCE COMPANY


https://apps.fldfs.com/CivilRemedy/ViewFiling.aspx?fid=181959
6/4/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FRANK
DELGADO CASTLEPOINT INSURANCE COMPANY


https://apps.fldfs.com/CivilRemedy/ViewFiling.aspx?fid=181961
6/4/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FRANK
DELGADO CASTLEPOINT INSURANCE COMPANY


https://apps.fldfs.com/CivilRemedy/ViewFiling.aspx?fid=181962
6/4/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FRANK
DELGADO TOWER INSURANCE COMPANY OF NEW YORK
 

https://apps.fldfs.com/CivilRemedy/ViewFiling.aspx?fid=181968

6/5/2011 WHIDDEN FRANK DELGADO/OSMAR OLIVA OLIVA DELIVERY/FRANK DELGADO

 

 

 

 

 

 

 

 

 

 

 

Supreme Court ruled unanimously written by Judge William Rehnquist concerning Hustler Magazine v Jerry Falwell

"At the heart of the First Amendment is the recognition of the fundamental importance of the free flow of ideas and opinions on matters of public interest and concern. The freedom to speak one's mind is not only an aspect of individual liberty – and thus a good unto itself – but also is essential to the common quest for truth and the vitality of society as a whole."

Supreme Court Judge Scalia wrote concerning Pope v Illinois

"Just as there is no use arguing about taste, there is no use litigating about it."

Copyright May 2011, All rights reserved by Ted Whidden

www.frauddocumentation.com     www.frauddemonstration.com    www.frauddevelopment.com