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'Ted' Theodore Lewis Whidden

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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: Thu, Oct 6, 2011 at 11:16 AM
Subject: Re: Ethics complaint
To: "Popow, Donna" <Popow@cpcuiia.org>

Ms. Popow,

As I advised you at the time of filing of my complaint on John R
Pecoraro that Pecoraro will be found guilty and that to a point the
filing would serve to test the ethics and code of professional conduct
system within the CPCU. Unfortunately, your ruling is in error. I
would encourage a re-visit and proper action of the original ethics

I will be filing two additional ethics complaints on John R Pecoraro.
You will find the deviant behavior in this case appears to have no
end. Mr. Pecoraro is providing such as sensational example of the
ethics and code that you have failed to enforce that ultimately I can
see action against your organization with widespread exposure of how
your operation is failing to support the public and/or your

My next filing on Mr. Pecoraro will involve 36 additional frauds he
has committed since your last ethics ruling. He has committed these
acts of fraud to the state commissioner of insurance. Of course these
are civil frauds, and very likely the state will not take action
against your member, but you can be assured that I will. The action
against your member will clearly reflect on your organization
especially since you failed to take action on the first filing, thus
requiring the next two (or three) ethics filings to come.

I will be looking in to action potentially against Mr Prendergast who
failed to properly assess the first ethics filing, so it would be good
if another set of counsel can be appointed for those ethics filings to
follow...............Since Prendergast failed to recognize the fraud
or ethics issues involved in your member committing a fraud, then his
competence for the past review and future reviews is largely in
question. Since John R Pecoraro has committed additional crimes since
your ruling there is clearly need to file a new filing, as your
present standard is not high enough to raise the member's activity out
of a long standing, well established bad faith and abuses.

The next filing will be very similar to the last one in many ways,
except include additional documents recently submitted by Pecoraro.
The third filing to be made at a future date will surely cross all the
lines/standards of your ethics/code of conduct. By ratcheting up the
filings this is an interesting test of not only the integrity of your
member, but that of your system. Your system is failing at present to
protect the high standard of your member-base, and soon will be
exposed for the consumer to see the abuses that are not only allowed
by your organization, but it appears they may be encouraged or
endorsed by way of your ethics review to recognize clear offenses and
take action.

At first I thought this pursuit was to merely reveal a rogue claims
manager who had severely strayed, then it developed in to a company
clearly supporting the unlawful activity, and as we review the broken
down system you operate it appears an industry in severe decline
and/or denial of their responsibility.

If the CPCU/SCLA would prefer to review the last filing properly I
would understand. It would be highly recommended, meanwhile in my
upcoming filing, please make sure the Prendergast and his firm who
appear to have failed in their duties do not review the next filings.
FYI: I will continue to file ethics/code of conduct filings until
your organization recognizes the behavior and takes action. Your
member provides no end to material for filing. Two complete filings
can be made at this time. I anticipate the second filing this next


Ted Whidden

On Thu, May 12, 2011 at 9:47 AM, Popow, Donna <Popow@cpcuiia.org>  wrote:
> Dear Mr. Whidden,
> The CPCU Society has forwarded your request for procedures on filing an
> ethics complaint to me. If the party your are complaining about is a CPCU
> and a member of the Society then that person is held to our Code of
> Professional Conduct. I have attached a copy of the Code and the
> Disciplinary Rules for your use in making a complaint. In order to file a
> complaint you must first decide which rule(s) within the Code you believe
> the person violated. The complaint must state the specific rule violation
> as the Canons are not enforceable, only the Rules are. You would send that
> complaint letter and all supporting documentation to me for investigation.
> I would contact the parties involved, specifically yourself and the party
> you are complaining about, during the course of the investigation. My
> investigation would only concern the violation of the Rules of Professional
> Conduct. It will not have any impact on the outcome of your claim. The
> dispute arising from your claim should be handled with the insurer and the
> state insurance department. If I find that there is sufficient evidence to
> support the complaint then the complaint would be sent to a hearing panel
> for review. If the complaint is valid, there are only a few remedies that
> could be imposed. These remedies range from a reprimand to loss of the right
> to use the designation and be a member of the Society. The remedies will
> not change the outcome of your claim.
> If you have any questions, please contact me.
> Donna J. Popow, Esq., CPCU, AIC
> Sr. Director of Knowledge Resources
> Ethics Counsel
> The Institutes: Proven Knowledge. Powerful Results.
> 720 Providence Road | Suite 100 | Malvern, PA 19355-3433
> Phone (610) 644-2100 ext. 7225 | fax (610) 651-7657
> www.TheInstitutes.org

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

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