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Postby Guest » Fri Nov 11, 2005 11:30 pm

Sent: Saturday, November 12, 2005 12:57 AM
Subject: Milberg Weiss Announces the Filing of a Class Action Suit Against Wells Fargo & Company and Certain of Its Affiliates on Behalf of Purchasers of Certain Funds


Interesting U.S. case
Assante and a few others in Canada may have similar profiles.

Ken

http://finanzen.net/news/news_detail.asp?NewsNr=350560

http://www.milbergweiss.com/caseinfo/ca ... aseid=2339

Milberg Weiss Announces the Filing of a Class Action Suit Against Wells Fargo & Company and Certain of Its Affiliates on Behalf of Purchasers of Certain Funds
11.11.2005 23:17:00



NEW YORK, Nov. 11 /PRNewswire/ -- The law firm of Milberg Weiss Bershad & Schulman LLP ("Milberg Weiss") announces that a class action lawsuit was filed on November 4, 2005 against Wells Fargo & Company , and certain of its affiliates, on behalf of all persons who purchased from Wells Fargo Investments, LLC ("Wells Fargo Investments") or H.D. Vest Investment Services, LLC ("H.D. Vest") one or more of the Wells Fargo proprietary funds ("Wells Fargo Funds," as defined below) or non-proprietary funds participating in the Revenue Sharing Program (the "Wells Fargo Preferred Funds" and "H.D. Vest Preferred Funds," as defined below), from June 30, 2000 through June 8, 2005, inclusive (the "Class Period"), seeking to pursue remedies under the Securities Act of 1993 (the "Securities Act"), the Securities Exchange Act of 1934 (the "Exchange Act"), the Investment Company Act of 1940 (the "Investment Company Act"), and state law.

If you purchased any of the Wells Fargo Funds, or Wells Fargo or H.D. Vest Preferred Funds, through a Wells Fargo Investments or H.D. Vest broker between June 30, 2000 and June 8, 2005, inclusive, and sustained damages, you may, no later than January 10, 2006, request that the Court appoint you as lead plaintiff. A lead plaintiff is a representative party that acts on behalf of other class members in directing the litigation. In order to be appointed lead plaintiff, the Court must determine that the class member's claim is typical of the claims of other class members, and that the class member will adequately represent the class. Under certain circumstances, one or more class members may together serve as "lead plaintiff." Your ability to share in any recovery is not, however, affected by the decision whether or not to serve as a lead plaintiff. You may retain Milberg Weiss or other counsel of your choice to serve as your counsel in this action.

The action is pending in the United States District Court for the Northern District of California against defendant Wells Fargo and its affiliated entities. A copy of the complaint filed in this action is retrievable from the Court using the case number C-05-4518WHA, or can be viewed on Milberg Weiss's website at: http://www.milbergweiss.com/ .

The "Wells Fargo Preferred Funds" includes mutual funds in the following mutual fund families: Franklin Templeton Investments, Putnam Investments, MFS Investment Management, Fidelity Investments, Evergreen Investments, Alliance Bernstein Investment Research and Management, Van Kampen Investments, AIM Distributors, Inc., Oppenheimer Funds, Inc., Eaton Vance Managed Investments, ING Funds Distributors, LLC, Allianz Global Investors Distributors , LLC, Federated, The Hartford Mutual Funds, Dreyfus Service Corporation, Delaware Investments, Pioneer Investment Management, Inc., Scudder Investments, and Wells Fargo Mutual Funds.

The "H.D. Vest Preferred Funds" includes mutual funds in the following families: Oppenheimer Funds, Putnam Investments, Scudder Investments, MFS Investment Management, Van Kampen Investments, Lincoln Financial Distributors, AIM Investments, Phoenix Investment Partners, John Hancock Funds, Wells Fargo Funds, American Funds, and Franklin Templeton Investments.

The complaint alleges that during the Class Period, defendants served as financial advisors who purportedly provided unbiased and honest investment advice to their clients. Unbeknownst to investors, defendants, in clear contravention of their disclosure obligations and fiduciary responsibilities, failed to properly disclose that they had engaged in a scheme to aggressively push Wells Fargo Investments and H.D. Vest sales personnel to steer clients into purchasing certain Wells Fargo Funds and Wells Fargo and H.D. Vest Preferred Funds (collectively, "Shelf Space Funds") that provided financial incentives and rewards to Wells Fargo and H.D. Vest and their personnel based on sales. The complaint alleges that defendants' undisclosed sales practices created an insurmountable conflict of interest by providing substantial monetary incentives to sell Shelf-Space Funds to their clients, even though such investments were not in the clients' best interest. Wells Fargo Investments and H.D. Vest's failure to disclose the incentives constituted violations of federal securities laws.

The action also includes a subclass of persons who held any shares of Wells Fargo Mutual Funds. The complaint additionally alleges that the investment advisor subsidiary of Wells Fargo, Wells Fargo Funds Management, created further undisclosed material conflicts of interest by entering into revenue sharing agreements with brokers at Wells Fargo Investments and H.D. Vest to push investors into Wells Fargo Funds, regardless of whether such investments were in the investors' best interests. The investment advisors financed these arrangements by illegally charging excessive and improper fees to the fund that should have been invested in the underlying portfolio. In doing so they breached their fiduciary duties to investors under the Investment Company Act and state law and decreased shareholders' investment returns.

The action includes a second subclass of persons who purchased a Wells Fargo Financial Plan that held Wells Fargo Funds. The Wells Fargo Financial Plans include, but are not limited to Full Service Brokerage Accounts, Wells Asset Management accounts, WellsChoice account, and WellsSelect account.

Milberg Weiss (http://www.milbergweiss.com/ ) is a law firm with over 100 lawyers with offices in New York City, Los Angeles, Boca Raton, Delaware, and Washington, D.C. and is active in major litigations pending in federal and state courts throughout the United States. Milberg Weiss has taken a leading role in many important actions on behalf of defrauded investors, consumers, and others for nearly 40 years.
Guest
 

Postby Guest » Fri Nov 11, 2005 2:04 pm

http://primetimecrime.com/contributing/ ... ltieri.htm

Prime Time Crime

Canadian Corporate Counsel Association 2004 Annual Meeting

Winnipeg, August 16, 2004

Remarks by Joanna Gualtieri, Director, Federal Accountability Initiative for Reform


Should I Tell When It Hurts:

Conflict And Conscience In WHISTLEBLOWING




By Joanna Gualtieri

www.fairwhistleblower.org





It is a pleasure to participate in your 2004 annual conference "Mapping the New Frontier" and I am truly honoured to speak amongst such distinguished guests and panelists.




I want to say, that apart from being inspired by the privilege to be here, I am struck by the visionary leadership of your organization for reaching beyond conventional discussion zones of regulatory change and governance rules. Though whistleblowing has become a "hot" topic, most reports remain superficial and sensationalistic. I could not therefore be more grateful to John Scott and Effie Triantafilopoulos for this opportunity to give a voice to whistleblowers - those employees whose crime is that of "committing the truth".




I want also to acknowledge the panoply of new prescriptive measures confronting today's corporate counsel. "Up the ladder" reporting, and the legal/ethical debate relating to "noisy withdrawal" and lawyers as whistleblowers, are central issues. They are not, however, the focus of my discussion as I would, in fact, benefit from your expertise. Rather, I have a simpler task of illuminating the trials and triumphs of conscientious resisters and their indispensable contributions to ethical and accountable public and corporate life.




History of Whistleblowing




The history of whistleblowing recalls a 20th century America faced with profound challenges including the Vietnam War, Watergate and the civil rights movement. Although fascinating, the American experience holds also two fundamental lessons for business leaders.




First, it demonstrates that once whistleblowers found their voice, there was no turning back. Their stories encapsulated perennial dialectic conflict such as "team player" versus heroic individualist, and employer loyalty versus fiduciary duty to the public good. As compelling vignettes of human sacrifice and glory, they shaped public opinion and political policy.




The enactment of the Sarbanes-Oxley Act is indeed a reflection of public influence creating a sea change in ground rules for responsible leadership. Likewise in Canada, Government recalcitrance towards whistleblower protection quickly evaporated on account of the Radwanski and Sponsorship Scandals. In February 2003, during debate of C-201, the Whistleblowers Human Rights Act, a non-partisan initiative of FAIR and Gurmant Grewal, MP, the Government refused to endorse whistleblower's protection. Just one year later, reeling from the scandals, the Government "suddenly" believed that protection was a good thing.




Second, in a globally integrated world, only the shortsighted would ignore Washington's tougher rules including whistleblower rights. At the very least, an invigorated SEC and the extra-territorial reach of the Sarbanes-Oxley to Canadian companies that trade on US stock exchanges means corporate leaders ignore the US jurisprudence at their own risk. Just ask Jean-Marie Messier of France's Vivendi.




Simply put, whistleblowers are employees who exercise free speech rights to challenge institutional abuses of power or illegality that betray the public trust. Their disclosures may be made internally or externally, either through the chain of command or outside that chain, and though attempts have been made to categorize these "truth-tellers", they cross all educational, gender, ethnic, and religious lines. Studies have shown that they tend to be the most diligent and that they do not situationalize their morality.




In the 60s, public concerns regarding nuclear facilities, dangerous drugs and toxic waste resulted in government regulation of industry and laws to protect workers who reported violations. As a result, employees who witnessed wrongdoing and who historically felt that their only option was to remain silent or quit started to speak out, and the "public interest" defense emerged to successfully challenge the "at-will" doctrine of employment.




But the power of "truth-tellers" is most cogently illustrated in three seminal events: the Pentagon Papers, Watergate, and the Challenger Explosion.




As the Pentagon faced mounting casualties in Vietnam, it decided to undertake a major review of the US involvement in the conflict. Daniel Ellsberg, an ardent War supporter who worked for the Rand Corporation, was one of the chief analysts.




In the course of his review, Ellsberg became increasingly disillusioned as he uncovered major government lies to deceive America. When the Pentagon sought to cover up, democratic principles led Ellsberg to tell the truth. After a fruitless approach to the Senate Foreign Relations Committee, Ellsberg, two years later - in 1971 - leaked the Pentagon Papers to the New York Times and the Washington Post.




Predictably, the Justice Department swiftly sought an injunction to prevent publication, but in a majority decision of the US Supreme Court, Justice Hugo Black, wrote the following: Only a free and unrestrained press can effectively expose deception in government. And paramount among the responsibilities of a free press is the duty to prevent any part of the Government from deceiving the people and sending them off to distant lands to die of foreign fevers and foreign shot and shell. In my view, far from deserving condemnation for their courageous reporting, The New York Times, The Washington Post and other newspapers should be commended for serving the purpose that the Founding Fathers saw so clearly. In revealing the workings of government that lead to the Vietnam war, the newspapers nobly did precisely that which the founders hoped and trusted they would do. The public fallout intensified when Watergate erupted as a result of an anonymous whistleblower known as "Deep Throat".




A decade later, with the 1986 explosion of the Challenger, there could be no turning away from public demands to protect whistleblowers. During the Presidential Commission hearings into the Challenger tragedy, three courageous employees of the company that built the Challenger rockets testified about the engineers who had tried to stop the launch. Their bosses had overruled them. In spellbinding testimony, they spoke about how the engineers were told that if they would "take their engineering hat off and put on their manager's hat" they would know why the launch had to go forward despite the risks. Upon returning to work, each was demoted.




The fact that a political agendum had trumped the lives of seven people outraged the American people, who responded by swamping congressional phone lines and mailboxes. In 1989, in the aftermath of the tragedy, President Bush signed into law the Whistleblowers Protection Act providing strong legal protection for government whistleblowers.




But as with any socially-minded and revolutionary new law, the legislation was only one element of broader cultural changes. Already, Washington had seen the birth of numerous public advocacy organizations, most notably, the Government Accountability Project (GAP), founded in 1977 to promote "truth-tellers" and help those struggling with whether to tell.




No one has been more influential in shaping the global whistleblower movement than lawyers Louis Clark and Tom Devine, GAP's founding Executive and Legal Directors, both still with the GAP. Providing counsel to thousands of whistleblowers worldwide, as well as executives of governments, their message illuminates the power of one individual to make enormous contributions to society. Completely independent from government, funding comes only from individuals and foundations including Ford, Deer Creek, John Merck, and the Fund for Constitutional Government, along with litigation awards.




Established in 1999, the Federal Accountability Initiative for Reform (FAIR) is Canada's only public interest organization promoting accounting through occupational free speech and protection for whistleblowers. It has benefited immeasurably from the contributions of GAP, participating in documentaries, public symposia, and media interviews. Counting on public support, FAIR intends to pursue the four-prong mandate of GAP: educate, assist whistleblowers, build campaigns to clean up wrongdoing, and monitor policies.




Whistleblower Activism Increases




Throughout the 80s and 90s, there was significant expansion in whisteblower activism. Whistleblowers forced the cancellation of American nuclear power plants 97 and 86 per cent complete because of shoddy materials and falsification of quality assurance records. Injunctions were obtained to close down incinerators because toxic emissions were poisoning the play areas of children. And at the Hanford nuclear weapons reservation in Washington State, conscientious resisters revealed that the actual levels of radioactive waste were in fact 440 billion gallons, a far cry from the official record of 5000 gallons.




Ironically, as Canada debates whether to participate in United States' missile defence program, whistleblowers, most notably MIT Professor Postol, continue to expose the lies and cover-up associated with the program. In a vignette that would be a parody of bureaucratic audacity were it not so alarming, one of GAP's whistleblowers revealed that during the 80s the Pentagon faked key tests. Following poor success in shooting down prototype enemy missiles, the Pentagon put a homing device on the Russian prototype so that the US interceptor could locate it. Fudging the results even further, the Pentagon then placed an explosive charge in the prototype and blew it up! Once disclosed, President Bush's request for $5.1 billion was slashed to $1.7.




And in one of the more graphic illustrations of corporate hokum, television's "Primetime Live" featured nineteen employees of Foodline Corporation who told how management had authorized slimy past-due turkey to be "washed" in bleach water and put back on the shelves for another week, and how rotten chicken was recycled by blanketing it in tomato sauce to sell for a buck more a pound as "gourmet chicken". After the show, the stock price collapsed and has yet to recover. Profit plummeted $ 47 million to 3 and 80 stores were closed rather than opened.




But the real disclosure revolution for corporate America came in the aftermath of the riveting testimony of Enron's Sherron Watkins and Worldcom's Cynthia Cooper, which gave the world firsthand accounts of unprecedented corporate malfeasance and corruption. With a nation in crisis from Enron, Worldcom and 9/11 and confronting its national security and fragile financial markets, a swift and aggressive response was required. In July 2002, with uncharacteristic alacrity and resolve, Congress passed the Sarbanes-Oxley Act imposing stringent controls and accountability. A new paradigm of corporate ethic, responsibility and executive liability had arrived.




To date most of the analysis has focused on the duties and obligations of audit committees, the stringent accounting rules, board independence, codes of ethics and business conduct, and greater management accountability. The centerpiece of the Sarbanes-Oxley, however, is the protection for corporate whistleblowers.




For the first time in history private sector employees have stronger free speech rights than government workers. Now it is illegal to harass any worker at a publicly traded corporation for disclosing misconduct that violates federal fraud laws or that could materially threaten the company's stock value. If the employees do not receive a speedy administrative ruling, they can take their case to a jury in federal district court. The resulting depositions and public trial would cast a glaring spotlight on nefarious corporate conduct.




Whistleblowing in Canada




The Tainted Blood, HRDC, Gun Registry, Radwanski, Walkerton and Sponsorship Scandals, are evidence that Canada has had its own share of government corruption and breaches of public trust. The Bre-X and Cinar frauds, the seismic collapse of Nortel, the disgrace of Livent and allegations of autocratic entitlement by Lord Black, demonstrate that our private sector has also engaged in wrongdoing and betrayals. Clearly, it would be disingenuous to think that in all instances there were no employees wanting to speak out.




Public confidence and cynicism also run high with a Leger poll reporting that 70% of Canadians believe that government is somewhat corrupt. The view of corporations is roughly the same and a recent KPMG survey reported that eighty-four per cent of directors on the boards of major corporations suspect a Canadian public company will be caught fudging its books this year. Toxic workplaces and mental illness including depression attributable largely to bullying and lack of control over one's work cost Canada $33 billion annually. Clearly, it's time for reform.




Appallingly, Canada has no whistleblower protection statutes other than some scattered environmental and health and safety enactments. New Brunswick and Saskatchewan offer limited protection in labour standards laws for violations of a law or regulation. But the futility of this protection was recently demonstrated when employee Linda Merk was denied protection for disclosing to senior management rather than going outside to the police or some other "lawful authority". Merk is under appeal to the Supreme Court of Canada.




And when the Government finally in March 2004 acted on its ten-year-old promise to introduce legislation to protect whistleblowers, the result - the Public Servants Disclosure Protection Act - was a disgrace. It was an "anti-whistleblower" measure, replete with conflicts of interest, state-controlled "free speech" stipulations, heavy on sanctions and devoid of real protection. Frighteningly, if an employee deviated from a prescribed procedure, the Act subjected them to prosecution and disciplinary action. In our testimony to the Parliamentary Committee, FAIR denounced the Bill as worse than no law, and stated good faith required its withdrawal. Fortunately, the Bill died with the election. The legislative vacuum awaits a legitimate and principled law.




But despite the absence of legislation, employees of conscience have spoken out. At Health Canada, Dr. Brill-Edwards sounded the alarm about the arbitrary drug approval process including a rush to market of inadequately tested products. Likewise, Health Canada veterinarians Shiv Chopra, Margaret Hayden, and Gerard Lambert spoke out and testified at Senate Hearings about the risks associated with the bovine growth hormone.




Career diplomat Brian McAdam and, subsequently, veteran RCMP officer Robert Read, revealed corruption in Canada's embassy in Hong Kong and risks to our national security through fraudulent visa schemes and penetration of our immigration computer system by organized crime. And Colonel Michel Drapeau (now a lawyer) denounced corruption amongst senior military brass and was an outspoken critic during the arbitrarily truncated Somalia Inquiry.




As one of the most profiled whistleblowers in Canada, Dr. Nancy Olivieri, sparked an international debate on the erosion of the sacred principle of university independence from corporate influence. Threatened when she sought to disclose adverse drug trial results to her entrusted patients, ten years later, she remains embroiled in costly and draining litigation.




All were fired except Brian McAdam, whose destroyed health forced retirement, and Dr. Brill-Edwards, who conscientiously resigned. For Brill-Edwards, employment came in the form of a weekly train commute from Ottawa to Toronto.




But the consequences that can arise when no one speaks are tragically patent in the incalculable human suffering of the sixty thousands infected with HIV and Hepatitis C during Canada's Tainted Blood Scandal. As a result of the Krever Inquiry we learned that contrary to the US and most of Europe, Canada chose not to implement timely screening of its blood banks. The investigation by former Privacy Commissioner John Grace further revealed that unbelievably ten years of tapes and verbatim transcripts of the high level meetings attended by Canada's provincial and federal health ministers were destroyed following Access to Information Requests and the launching of two lawsuits. Buried in this destruction are the secret decisions that resulted in a death sentence for thousands. But the coup de grace is that ten years later the RCMP quietly declared that no charges would be laid as they felt there was no criminal intent. With blood plasma products more valuable than gold, profit triumphed over life.




But how can we blame those who remain silent given our history of abusing employees who tell the truth? Faced with despair and financial ruin, most never fully recover. One year after the Radwanski Affair and despite changes at the top, almost fifty per cent of the employees in the Privacy Commission still feel that they would face reprisal for grieving harassment. Indeed, US surveys have shown that over eighty-five per cent of whistleblowers will suffer harmful consequences.




Limited only by the imagination of management, harassment includes spotlighting the whistleblower, not the wrongdoing; building damaging records; threats and smear campaigns; humiliation and isolation; and for many, the most damaging of all, denial of meaningful work and career paralysis. Having lived the experience, the list does little to capture the true agony. How does one cope with being silenced at key meetings; witnessing one's work being assigned to unqualified colleagues, witnessing the removal of one's name plate from her office; being suddenly struck from the departmental phonebook; sitting alone all day in a silent office; being told that to challenge the retaliation is fruitless as you are "behind the eight ball on this one"; being publicly announced as being out of your job; and being threatened with libel by your Minister of the Crown for daring to say anything was wrong? Despite top-notch credentials, whistleblowers often never find work again.




Institutions also engage in well-orchestrated cover-up. Employees are gagged; expertise is separated from authority, with only "loyal" employees vested with decision-making; work tools and information are withheld; and written records are forbidden. Often, issues will be studied to death and if an investigation is even launched, it conflicts of interest with bosses investigating themselves are the norm, not the exception.




In my experience at FAIR, it is profoundly moving to counsel employees who for years have been fighting formidable institutional power simply for the right to be heard in a fair and just setting. Standing in judgement of oneself is counterintuitive to the layperson but in government, Department of Justice lawyers have justified this abusive process for decades.




Under the current regime, senior management in the employee's department is authorized to hear harassment grievances and prohibits such grievances from being referred to independent arbitration at the labour tribunal. With grievances dead-ending with the employee's boss it's no surprise that employees lack confidence in the process.




But the ultimate denial of justice are the heavy tactics used to intimidate employees who have no access to independent arbitration against bringing actions in tort in our regular courts. With this sort of impunity for government bosses, it's little wonder that one employee out of five reports harassment.




In 2002, I challenged this jurisdictional barrier, and after losing in Ontario Superior Court with $80,000 in costs ordered against me just on the Motion, I prevailed in the Court of Appeal. It was an important victory for whistleblowers, establishing the principle that, even in the absence of a specific whistleblower protection, an employee could rely on his or her common law remedies in tort.




But the victory was short-lived and in November 2003, having not appealed, the Government quietly passed the euphemistically titled Public Service Modernization Act, where buried at s. 236, it says that public servants have no right to bring an action in our courts of justice for any employment matter. The hypocrisy of government to subject private sector employers to a higher standard is an irony not lost on most!




But regardless of the right of an employee to seek a remedy, external disclosures and litigation expose institutions to public relations disasters, not to mention costs. Just weeks ago, after the Wall Street Journal published reports that Nortel executives had "cooked the books" in 2003, the stock had a one-day dive of 10 per cent. The Sponsorship Scandal almost cost Paul Martin the prime minister's office.




Giving The Organization A First Chance




It is significant that both Sherron Watkins and Cynthia Cooper chose to work within their organizational structures before going public. This accords with the choice of the vast majority of whistleblowers that GAP has represented over a quarter of a century. Most are employees simply wanting to do their job. But the important lesson of Enron, is that harassing and attempting to silence employees no longer is a formula for cover-ups. That antiquated perspective virtually guarantees problems are likely to become public scandals that could have been nipped in the bud.




But the decision whether to give the organization a first chance before going public depends largely on whether the employee believes that they will be treated with respect and their concerns taken seriously. The challenge therefore is to earn their trust.




In short, whatever the mechanism employed to accommodate internal disclosures, whether hotlines, ombudsman, ethic committees, certain basic principles will enhance the likelihood that an employee will in fact use them. They are:



1. The right to communicate within the profession, on the job, and with colleagues.

This basic principle, if respected, would prevent the need for whistleblowing.



2. A declaration that leadership will insist that integrity is the cornerstone of all

professional duties - evidenced by action, not rhetoric.



3. The right to due process with realistic burdens of proof. The fatal flaw of

whistleblower protection is the inadequacy of remedies. It is wrong to ask

employees to speak out and defend the public without giving them full

opportunity to defend themselves.



4. The right to information to enable responsible dissent.



5. The right to make a difference by having an independent forum, free from

conflict, review misconduct concerns. In our view, corporate counsel

should not be part of this review.



6. The application of sanctions against those who commit wrongdoing

including those who retaliate.



7. The right to vindication and to be "made whole" through relief for the

wounds of retaliation.




If we have learned anything from recent events, it is that healthy institutions and "truth tellers" are on the same side. Their early warnings offer a golden opportunity for senior executives to avoid being blindsides by risks taken without their knowledge and to save them from liability for decisions taken far from their own purview.




Some may say that corporate lawyers will be motivated to adapt to the new reality simply as a function of corporate expedience. I believe that most will be motivated by the opportunity to contribute to a better and safer world.








Whistleblowers




Prime Time Crime current headlines
Contributing Writers
Guest
 

Postby Guest » Fri Nov 11, 2005 11:57 am

I could continue to post the answers to every one of your questions until I am blue in the face


I am so very sorry. I must have missed where these answers were posted by you. Here are the questions (repeated) again that might help to put this matter to rest.

Who did the investigation?
What was the cause of the investigation, the process followed and the conclusion?
What evidence did they use to assist in this investigation?
Was (name removed until trial) (name removed until trial) bound and gagged from even talking to regulatory authorities, (as the court filed anton piller order suggests) and how was his evidence or allegations properly investigated if this evidence was taken away and kept by a custodian? If he was prevented from speaking to them?
Were the custodian, the seizure, the order, the lawyers etc paid for by the plaintiff?
When will this evidence be inventoried?
When will it be catalogued?
When will it be released to the proper police and regulatory agencies?
Who will ensure that it will be used as part of the investigation?
Can you tell this forum a case number, or a file number of said investigation process?
What personal contact information are you referring to in your quote above? (threatening defamation)

How should I govern myself when one man is dead, another is being threatened with the same silence buying legal process used on the first man? All of it surrounding allegations of investment wrongdoing?
Should I believe you when you claim (anonymously) that all is well, that all was done properly?
I am certain that you would not mislead, but humor us with a few facts if you have the time.
Will you provide answers to these fair questions?
Will you try and work towards keeping your posts non personal, non-vindictive?
It is in the public interest that these and many other questions get answered, and probably it is in the interests of your argument to have them probed properly. If you cannot answer these questions then please feel free to offer your opinion. (Facts would help though) But please try and do so in a professional manner.
Members of the public will continue to ask questions that relate to the public interest and the public right to know until satisfactory answers come.
If either side steps over the line then I am sure the lawyers and the courts can deal with it accordingly.
Guest
 

Postby Guest » Thu Nov 10, 2005 9:56 am

good response. I see that you are able to answer less than one question out of the fifteen posted. Your answer about the telus acceptable use policy appeared to point to defamation, as you highlighted it. Can you show this forum exactly where the defamantion is (just copy and paste the offensive words) and it is highly likely that the offensive (if defamitory) statement will be removed. Thank you for your help in this, and thank you for your continued support of this forum. We will look forward to all the details around the issue coming out in various courtrooms around the country in the near future. As you will agree, with one person dead, it is of utmost importance that all details be revealed.

Thanks again

(in the name of cleaning up the clutter, of course any and all posts of an angry, defamitory, or over-emotional nature will be removed. Thanks for understanding and helping to keep this forum on facts only, and not flames)
Guest
 

Postby Guest » Thu Nov 10, 2005 8:58 am

Somwhere in your laundry list of inappropriate questions, Larry, you asked what section of the Telus Acceptable Use policy these posts violated. The section is as folows:

Civil Offences and Violations of the Rights of Others

While using the Communication Services, the Customer is prohibited from, in TELUS' sole judgment, posting, uploading, reproducing, distributing or otherwise transmitting information or materials where such activity gives rise to civil liability or from otherwise violating the rights or assisting others to violate the rights of TELUS or any third party, including, but not limited to, the violations listed below:

Copyright infringement
Trade-mark infringement
Patent infringement
Misappropriation of trade secrets
Defamation


I have highlighted the offending area but please note that it also covers any activity that goves rise to civil liaility to Telus. You really should read these agreements before you start engaging these kinds of activities. The laws in Canada are significantly differentrom those elsewhere particularly in the US
Guest
 

Postby Guest » Wed Nov 09, 2005 9:45 pm

Still looking forward to an open hearing into Joe's allegations, as they still have not been investigated properly. Unless you call what happened to Kent Shirley an investigation. And unless you call gagging Joe, and then beating him and gaggin him when he could not defend himself also an investigation. Others see it as using brute force to silence and intimidate people guilty of committing the truth. Your tone sounds like you are similarly guilty of trying to hide the truth. Thanks for giving us your thoughts so we can learn from them)
Guest
 

Postby Guest » Wed Nov 09, 2005 1:43 pm

still waiting for the questions surrounding this issue to be answered. Thanks for your informative reply.
Guest
 

Postby Guest » Wed Nov 09, 2005 11:45 am

So this is the quality of the posts that you will allow. It is highly offensive for you to publish personal contact information especially since all files related to this matter have been examined in detail and closed WITH ABSOLUTELY NO FINDING OF FAULT. You have been notified that your site has engaged in activity that is offside with the Acceptable Use Policy you agreed to when you signed up with Telus to host this site. Govern yourself accordingly.



It appears that there is a small battle of thinking between those who feel that the bundle of issues surrounding the late Kent Shirley is still unresolved, and those who feel it was properly investigated, and properly resolved. With sympathy for both sides, the one side trying to shed light on the process, and understand of what occured and why, and the other side trying to put it behind them, I ask the following:

Who did the investigation?
What was the cause of the investigation, the process followed and the conclusion?
What evidence did they use to assist in this investigation?
Was Kent Shirley gagged from even talking to regulatory authorities, (as the court filed anton piller order suggests) and how was his evidence or allegations properly investigated if this evidence was taken away and kept by a custodian? If he was prevented from speaking to them?
Were the custodian, the seizure, the order, the lawyers etc paid for by the plaintiff?
When will this evidence be inventoried?
When will it be catalogued?
When will it be released to the proper police and regulatory agencies?
Who will ensure that it will be used as part of the investigation?
Can you tell this forum a case number, or a file number of said investigation process?
What personal contact information are you referring to in your quote above?
What acceptable use policy are you referring to above?
How should I govern myself when one man is dead, another is being threatened with the same silence buying legal process used on the first man? All of it surrounding allegations of investment wrongdoing.
Should I believe you when you claim (anonymously) that all is well, that all was done properly? I am certain that you would not mislead, but humor us with a few facts if you have the time.
Will you provide answers to these fair questions?
It is in the public interest that these and many other questions get answered, and probably it is in the interests of your argument to have them probed properly. If that is the case then please feel free to offer your opinion. (Facts would help though) Members of the public will continue to ask questions that relate to the public interest and the public right to know.
If either side steps over the line then I am sure the lawyers and the courts can deal with it.
I wish you the very best with your cause and may the most honest person win. The newspapers are waiting for some answers so they can print something factual about this case, and a Royal Commission into investment activities is under discussion. Please govern yourself accordingly.

(repeat of update 2006, SFSC has written to say they passed the file to the OSC, while the OSC has written to say they did not investigate anything under SFSC jurisdiction and closed the file........no action)
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Postby Guest » Sun Nov 06, 2005 10:59 pm

It was sad to read of the Anton Piller order put upon the late Kent Shirley. It was applied to him after leaving the employ of Brian Mallard Insurance. In twenty years of watching investment people cross the street to work elsewhere I have never before seen such a thing used.

WHen Kent Shirley made some public allegations about investment wrongdoings with his former employer this order was applied to him.
It allowed Brian Mallard Insurance to hire people to visit his place of residence, search, photograph, videotape and seize what they saw fit, as well as search his auto or any other location. It forbade him from continuing to discuss his allegations of investment wrongs with anyone, including surprisingly enough, preventing him from speaking to any police agency or regulatory authority for help with his allegations.

The evidence was to be retained by an agency, paid by Brian Mallard Insurance to hold this evidence. Joe Killoran made several allegations that the agency hired to seize and retain this evidence had previous ties to the sponsor of the plaintiffs investment licence. The order was delivered along with a countersuit for $ 1million dollars against Kent Shirley.

Kent took his own life about one month later, in his parents home on christmas eve, 2004.

Advocate Joe Killoran stood in court in Calgary last week and accused the plaintiffs side of applying an excesive and egregeous amount of legal might and pressure. Like killing a fly with a sledge hammer or words to that effect. He alleged that Justice Mason was deceived when he was approached by the plaintiff's side for this order, and that some crucial information was witheld by their side when asking the judge for the order.

Justice Mason was very impressive to watch in action. Very calm, reserved, and patient with an increasingly troubled case, and troubled man. He treated Joe Killoran with dignity, respect and humanity even though Killoran broke every rule in the book fighting to vindicate the name of a deceased man, and to try and allow some of this evidence to become part of the public record. Joe was passionate enough about his beliefs for the judge to question his ability to handle things properly. He may not have been the best representative of the investor advocacy crowd, but he stood his ground passionately, having everything to lose, and nothing to gain. Plaintiff's lawyers urged the judge to throw him in jail or to evaluate his mental health.

Mr Killoran pointed out that this Anton Piller order was fnally amended by the plaintiff's to grant Kent Shirley some relief from the tremendous inability to speak to authorities about his allegations. The amendment or relief for Kent, came through Calgary court two fridays ago, approximately ten months after Kent Shirley took his own life. I found my silent thoughts wondering if the plaintiff's legal team perhaps needed some evaluating as well. Mr Killoran spoke out out loud and accused them of assiting in the death of Mr Shirley.

For a $50,000 employment dispute, it was heard in court that the plaintiff's side has already spent over $500,000 defending it. Strong allegations were also made by Mr. Killoran that the underlying "seed" of this case is far, far greater wrongdoings than we have seen yet in Canada.
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Postby Guest » Tue Nov 01, 2005 10:49 pm

Greg Weston
Tue, November 1, 2005

Whistleblowers paid

By Greg Weston




Former Prime minister Jean Chretien leaves his Ottawa home yesterday on the eve of the Adscam report's release. (Jonathan Hayward CP)
Today, as most Canadians try to digest Justice John Gomery's 1,400-page compendium of stomach-churning sleaze in high places, two of the rare heroes of Adscam can only read it and weep.

They are the whistleblowers, a federal auditor and a Montreal adman who tried to do right by exposing so much wrong in the sponsorship fiasco.

More than 10 years ago, government accountant Allan Cutler began complaining about all kinds of hanky-panky in the awarding of federal advertising contracts. If his red flags had been heeded, Adscam may never have happened.

Four years later, a Montreal advertising executive -- who has always insisted on anonymity -- started seeing millions of dollars flowing from the public purse into ad agency bank accounts for little or nothing in return.

In disgust, he quit his lucrative job, and secretly pointed the media to three of the telltale money-for-nothing contracts, a move that would eventually help blow the lid off the sponsorship scandal.

Ruined careers

But for all their best intentions, these two honourable Canadians found themselves plunged into a hell of ruined careers and overturned lives.

No matter how much today's much-anticipated report validates their claims, the cost of vindication makes any victory bittersweet at best.

As far back as 1994, Cutler began noticing a pattern of rule-bending, shady deals and even possible fraud in the awarding of federal advertising contracts.

At the time, Cutler's boss was Charles "Chuck" Guite, the Public Works executive who would subsequently run the $350-million sponsorship program.

In retrospect, it is hardly a surprise that Cutler's complaints to Guite fell on deaf ears.

Finally forced on to stress medication, Cutler wrote in his diary: "Ethics and integrity seem to be minor considerations when it comers to advertising contracts."

After months of Cutler's complaining that contracts with Montreal ad agencies were being falsified, two internal government audits backed his claims. The day after the second audit was completed, Cutler was summoned to Guite's office and told his auditing job was being declared "redundant."

In an interview yesterday from his home, where he is now retired, Cutler sounded something between relieved and resigned as he awaited Gomery's findings.

"What more can they do? I've been beaten up by the best," he said with a chuckle. "It ruined my career; there's no doubt about that. My name was mud."

The story of the whistleblower at the Montreal ad agency was much the same. Unable to condone the fraudulent ad contracts flowing through his firm, he walked out the door and straight into a career dead end.

The tight-knit Montreal ad community, by then swimming in sponsorship contracts, shunned him for not being a team player. For the same reason, the government advertising authorities blacklisted him from all federal business for the duration of the sponsorship program. Since then, the feds have banned him for his previous association with one of the Adscam companies.

No regrets

Today, like Cutler, he is more resigned than bitter over the enormous personal cost of his whistleblowing.

But what really bugs him is "how few people have been held accountable" for the $250-million Adscam mess.

"If a guy stole $250 from the corner store, justice would be a lot swifter and harsher than what's happening in the sponsorship thing," he said yesterday.

Perhaps Gomery's report will finally assign the blame where it is due. Maybe not. Either way, Allan Cutler has no regrets that he stood up for what he thought was right.

"Was it worth it? Yes. With everything that went on, I never regretted the decision at all. You have to take some responsibility for your life."

Whatever Gomery says today, Canadians owe a lot to the auditor and the adman.
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Postby Guest » Mon Oct 24, 2005 10:21 pm

Not that I am certain of anything, but from some bits of evidence collected here and there, would something like this be possible under todays age of "client first" thinking?

Starting with the following article noticed earlier in this forum:

Beware advisors who sell their own funds
By Jonathan Chevreau
Saturday November 16, 2002

as a base to work from...................certainly not using the people, places or names in it in any way, but intrigued only by some of the thoughts in it.................



Again, not quoting or connecting the above mentioned article in any way, but seeing if I have an imaginary financial scam planned out halfway correct. I think it would make a great fictional book project by a good writer:

First a person starts to build an investment advisory business.

Second the person succeeds in putting it together.

Then this person realizes that the true value of said investment business is in what they may be able to sell their shares for, now that they have something built.

This person discovers that by switching clients from third party funds to in-house funds, it increases the percentage of the management fee that the firm keeps in-house, thereby potentially multiplying the value of the firm many fold.

This person works towards and changes the firm towards this end, compensating those advisors who fall into line and help switch client assets to in-house products, and threatening or somehow punishing those advisors who do not fall into line, or who question the ethcial nature of these switches.

This person realizes the increased share of management fees coming to the company from the switch, and eventually sells their shares in firm for millions of dollars.

People who speak up against the practice, or threaten to expose the fraudulent use or abuse of client trust that made this possible, are treated to the wrath of what millions of dollars can hire in legal harrassment.

Is this proposed piece of fiction starting to sound of interest to an author? Is something like this possible, or just too farfetched? Impossible, you might say, what with the level of regulatory oversight we have.
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Postby Guest » Thu Oct 20, 2005 10:35 pm

With Vic and Rick gone from Enforcement and with the official position of the Commission being that an investigation of Kent Shirley's complaints was never opened; and given that his 140 page statement was never sworn - despite all the back and forth between Rick and Kent by e-mail and phone; and given that the OSC, MFDA, IDA, MDS, RCMP-IMET, quite rightly, either didn't open or closed files due to jurisdictional issues, will the SFSC now commence an investigation of Shirley's allegations?

I find it strange that he was not sworn. It may be possible to find someone from Mallard's office (past or present) to swear an affidavit as to the veracity (or lack thereof) of Kent's allegations???

If you work with IMET, you may be able to overturn the Anton Piller Order that has meant evidence taken from Kent is with KPMG. I find it troubling that civil due process can be used to block a possible necessary criminal investigation.

I have reason to believe that Kent outlined not only violations of the Securities Act, but that he alleged a number of criminal activities by various persons in the office, including Income Tax Evasion.

I also understand that Mallard is/was negotiating with Kent's Estate for a return of the material.

If evidence of possible criminal activity is allowed to be kept under wraps or to be lost, that would be most unfortunate. I would hope that a criminal investigation would take precedence over a civil matter - as a general rule.

In any event, is it not possible to turn Kent's Statement over to the RCMP (IMET or other) and the Saskatoon Police for consideration of possible criminal activity? Isn't this a requirement for a Securities Commission? Not being a lawyer, I am asking?

But as a private citizen, I have a responsibility to report possible crimes to the police. This statement was not sworn and is not covered by the privacy requirements of a formal investigation (there was none) - thus my question?

It would seem to me (and I stand to be corrected) that there would be a requirement to share such knowledge with the appropriate authorities??? Right or wrong?
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Postby Guest » Thu Oct 20, 2005 10:31 pm

is there any truth to the allegation that the writer of the above article is no longer allowed to write freely about one of the above firms after said firm donated a fairly large sum of money to a pet charity of the newspaper?
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Postby Guest » Thu Oct 20, 2005 10:29 pm

Beware advisors who sell their own funds
By Jonathan Chevreau
Saturday November 16, 2002
A series of financial planners realize where the money is
Until mutual-fund marketing maven Dan Richards took the helm of Cartier Partners Financial Group, few English Canadians had heard of the four-year-old Quebec financial planning firm.
The fact you are reading this is testimony to the clever PR strategy of Cartier president Marc St-Pierre, who hired Richards and made him his own boss.
One of Richards' first acts as chief executive was spearheading the firm's first national road show, appearing before half its 3,600 advisors.
The media-savvy Richards is quickly leaving his imprint on Cartier. Since it is publicly traded as CPF-X on the TSX Venture Exchange, the five partners and new CEO Richards all stand to get wealthy, St-Pierre says.
But will Cartier clients get nearly as rich buying the firms' funds?
Cartier is one of four national, public companies consolidating regional financial planning firms since the late 1990s.
Cartier takes its name from Jacques Cartier, the French navigator who discovered Canada in 1535. Using seed money from the Caisse de dépôt et placement du Québec, which owns 20% of the firm, it acquired seven dealers in 1999, including Regal Capital.
Similar models exist at Winnipeg-based Assante Corp., Toronto-based Dundee Securities Corp. and Investment Planning Counsel (IPC).
All four sell brand-name mutual funds, but also compete with their suppliers by selling their own in-house funds.
This is an evolution of the model of Canada's largest fund company: Winnipeg-based Investors Group, with a "captive" network of 3,500 dealers. For years, Investors sold only its own funds, but -- as with bank funds -- caved to demand to sell external funds too.
By contrast, the new financial-planning consolidators began as independent dealers and are becoming less so, even as they portray dealers as independent, not captive.
The trend started in 1995, when Equion Group and Loring Ward Investment Counsel merged to form Assante.
As in-house funds are added to the mix, investors should question how "independent" these advisors are.
Why they push in-house funds is no mystery. "Distribution is a low-margin business, but manufacturing is where the real money is," says fund analyst Dan Hallett. Assante makes 0.05% margin on distribution, but 1.2% making and selling its Artisan and Optima Strategy funds.
A disturbing trend at some firms are edicts that advisors sell a set percentage of in-house funds. One is Assante, reading between the lines of a recent piece in The MoneyLetter by Stephen Gadsden, a former Assante advisor who balked at filling client portfolios with in-house funds.
Last spring, Assante changed its policy to encourage advisors to drive up to 80% of assets into its funds, Gadsden says. A three-tiered commission grid best rewards advisors selling in-house funds, he says.
The danger for clients is that overweighting in-house funds may displace superior, less costly external funds. Gadsden says Assante's new business policy is "a big conflict of interest between working on behalf of a client's best interests and working for Assante's corporate profitability."
Assante spokesperson Gail Grainger confirms 40% of Assante's assets are in in-house funds, but denies it puts pressure on advisors to sell them or that they are paid more to do so.
"I beg to differ," Gadsden counters. "I was at the spring 2002 company managers' meetings. Many branch managers informed of the scheme were in an uproar. It's impossible for Assante advisors' recommendations to be objective."
Trailer fees on Optima Strategy funds are higher than external funds, and advisors who own Assante stock can profit by filling client portfolios with its funds.
While not as egregious as Assante, Cartier is no exception to some of these trends. It sells five fund groups -- AGF, AIM, Fidelity, Mackenzie and Templeton -- plus its own Cartier funds. It now also sells Cartier funds through outside advisors.
Cartier portfolios include four complementary funds in both the Canadian equity and foreign equity asset class. One is usually a Cartier fund, helping it achieve the 20% in-house target rivals say is in place.
"We have no formal quotas or goals, but believe Cartier can be one of the five families of funds most of our advisors will use," Richards says. Advisors can't change portfolios' composition because it makes administration and rebalancing unworkable. Unlike Assante, it does "not compensate advisors differently for sales of in-house products," he says. "Our goal is to create a level playing field in which advisors are not motivated to do anything which conflicts with the best interests of their clients."
Margin on Cartier funds is lower because it uses multiple external managers, not internal managers.
At IPC, the Counsel Wealth Management unit sells Counsel funds but are not part of the retail packaged solution, says president Chris Reynolds. That "may be technically correct," says one fund analyst, but "leaves the impression IPC doesn't jam Counsel down people's throats. And I know they do." Eight per cent of $500-million is in IPC funds.
Dundee Securities' latest acquisition is Ross Dixon Financial. Dundee's 550 advisors are free to sell any fund groups, including sister company Dynamic Mutual Funds. Dynamic and Dundee share a common parent in Dundee Wealth Management Inc. but Dynamic has to earn business with its sister firm, says Dynamic CEO David Goodman. Unlike Assante advisors, "they're free to sell whomever they choose."
Don Charter, CEO of Dundee Securities and Dundee Private Investors, says neither distribution arm has set portfolios of funds like Assante or Cartier. Its advisors create portfolios as they see fit, which may or may not include Dynamic funds.
Some use a fee-based model using F class funds. Dundee's in-house wrap account -- Viscount -- uses only external funds, not Dynamic funds.
A related concern at these firms is high investment management costs. If the maxim "cost matters" counts, they all have a strike against them -- all impose management expense ratios (MERs) well above the 2.1% average in Canada.
Cartier's MER is 2.75% across the board. So is IPC's, but unlike Cartier, IPC reduces fees for portfolios with more fixed income. Cartier says clients can cut costs by owning bonds directly.
Some Assante funds have MERs up to 3.6%. Dundee's vary with the funds, but are near 2.5%, or less for F-class fee-based accounts.
High MERs slash returns by 40% over a 30-year investing horizon, which you can verify with Web-based MER-impact calculators at Industry Canada or Barclays Global Investors Canada (www.iunits.com).
Such fees may hurt less in bull markets. But they will be a major performance drag if the bear persists. In a recent profile, St-Pierre told FP Money's Bill Hanley he expects low single-digit returns the next few years. Richards thinks real returns of 9% are realistic because "we can add value through manager selection." If so, a 2.75% MER would yield a net return of 6.25% -- little more than long bonds yield and with no guarantee it can be achieved.
Cartier targets clients with $50,000 to $250,000 but covets the high-net-worth market. That's a challenge because Cartier fees taper down as assets rise. But it plans F class shares next year.
St-Pierre believes indexing makes sense for bonds and U.S. equities, so the U.S. portion of Cartier Global Equity is partly indexed. Of course, the savings achieved aren't passed along to clients, but provide a better bottom line for the firm.
All the more reason to buy Cartier stock, or that of its rivals, instead of its funds.
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Postby Guest » Sun Oct 16, 2005 9:29 pm

WHISTLEBLOWER IN TRIAL OF HIS LIFE IN CALGARY..........LAWYERS ATTEMPT TO HOLD HIM TO THE GAG ORDER OF A DECEASED MAN………….DESPERATE ATTEMPT TO SILENCE YET ANOTHER PERSON WISHING TO REVEAL FINANCIAL ABUSES

With one investment firm employee dead by suicide after being subject to retaliation for speaking out about what he felt to be client abuses...............his friend and supporter during his final days has refused to let his death be in vain. He researches, writes, speaks and expands on the evidence passed on to him by the whistleblower, and as a result, he now faces trial in Calgary court. When I attended a hearing in Calgary court last month, the judge said he was having a hard time connecting this person to a contempt of a court gag order on the deceased person, but that is the legal position the industry has taken. (Holding this separate whistleblower in contempt of a gag order imposed on a dead person)

It is a bizarre story, which is proving to be more unusual than fiction.

It includes allegations and some evidence of the following:

1. Self-dealing by a major investment firm. Putting clients interests behind the interests of the firm. Taking advantage of client trust to increase the earnings of the firm, so owners can sell firm at higher valuation.

2. Acceptance of this "serve yourself" first mentality by investment advisors of this firm.

3. Co-operation and special exemptions on commission rebating granted to this firm by regulators (OSC documents show proof) which allowed fraud to work.

4. "See no evil" policy taken by RCMP commercial crime, regulators, industry and bureaucrats. (have documentation from RCMP)

5. Some small measure of press until a $500,000 "donation" by the firm to a favorite charity of a large paper, resulted in future articles being killed. (have documentation)

6. Owners of the firm, having successfully pulled off the fraud, and multiplying the value of the firm. Sell it to walk away with over $50 million personally. (public record)

7. The truth, and at least one employee who tried to speak the truth, successfully buried by the industry and the unlimited legal “muscle” it can hire.

8. Whistleblower number one committed suicide, after being legally harassed to the point of no hope. His court gag order is now being used against a totally separate but equally honest man, whistleblower number two.

9. Will whistleblower number two be held in contempt, held to the gag order of a deceased man? Jailed for a sentence of ten years being asked for? The legal hounds (and the people hiring them) are desperate to silence the investment fraud. I for one am curious to see what the judge says in November in Calgary.

10. Will the investment industry be allowed to profit from placing their own interests ahead of that of their trusted clients? Will they be able to bury all critique of this policy? That is the principle at stake, despite all the drama.



COURT LOCATION: Calgary Court of Queen's Bench Court House

611 - 4 St. S.W. Calgary, AB T2P 1T5

SCHEDULED HEARING DATES:

November 1-3, 2005: Beginning @ 10:00 AM, Tuesday, Nov. 1st

COURT ROOM: Check with the Info Desk in the Calgary Court House lobby for the courtroom for the case of:

Mallard PLAINTIFF

Shirley DEFENDANT (deceased)

Killoran RESPONDENT (Not Party to the Action)

The writer of this release has:

Worked twenty years in the investment industry. Witnessed the types of client financial abuses alleged herein. Retired from an industry that refused to follow it’s own code of ethics. Works to improve conditions for members of the investing public.



investoradvocate@shaw.ca

www.investoradvocates.ca (discussion forum on financial abuses)

Alberta





I hope to see you in the courtroom Nov 1.
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