The Meadows of Glen Ellyn
60 N. Nicoll Ave.
Glen Ellyn , IL 60137
630-446-1600
The Devonshire of Lisle
1700 Robin Lane
Lisle, IL 60532
630-963-1880
The Seasons at Glenview Place
4501 Concord Lane
Northbrook, IL 60062
847-803-7100
The Heritage of Des Plaines
800 S. River Road
Des Plaines, IL 60016
847-294-0100
The Hallmark
2960 N. Lake Shore Drive
Chicago, IL 60657
773-880-2960
The Kenwood of Lakeview
3121 N. Sheridan Road
Chicago, IL 60657
773-404-9800
Hawthorn Lakes
10 E. Hawthorn Parkway
Vernon Hills, IL 60061
847-367-2516
Willows
10 East Hawthorn Parkway
Vernon Hills, IL 60061
847-367-2516
They have other branches but I have to drive over to them. It "looks like" they're in Section 8 Housing and other facilities? These facilities are owned by Brookdale Senior Living whom I believe took over Sunrise not too long ago. A woman at one of these facilities had her account at Devon bank and she was moved by her niece to a nursing home. "Somehow" Devon Bank got involved, trapped the woman in guardianship. That was no coincidence.
Showing posts with label Devon Bank Trust Department. Show all posts
Showing posts with label Devon Bank Trust Department. Show all posts
Wednesday, November 9, 2011
Saturday, September 24, 2011
Duties of the Estate Guardian
(755 ILCS 5/11a-18) (from Ch. 110 1/2, par. 11a-18)
Obviously, Sally Griffin and Rick Block missed this law. I don't think these two know the meaning of frugal. Of course, Sally is no longer there and who knows? Maybe the new one knows what her job entails and can keep Rick in line?
(a) To the extent specified in the order establishing the guardianship, the guardian of the estate shall have the care, management and investment of the estate, shall manage the estate frugally and shall apply the income and principal of the estate so far as necessary for the comfort and suitable support and education of the ward, his minor and adult dependent children, and persons related by blood or marriage who are dependent upon or entitled to support from him, or for any other purpose which the court deems to be for the best interests of the ward, and the court may approve the making on behalf of the ward of such agreements as the court determines to be for the ward's best interests. The guardian may make disbursement of his ward's funds and estate directly to the ward or other distributee or in such other manner and in such amounts as the court directs. If the estate of a ward is derived in whole or in part from payments of compensation, adjusted compensation, pension, insurance or other similar benefits made directly to the estate by the Veterans Administration, notice of the application for leave to invest or expend the ward's funds or estate, together with a copy of the petition and proposed order, shall be given to the Veterans' Administration Regional Office in this State at least 7 days before the hearing on the application.
(a-5) The probate court, upon petition of a guardian, other than the guardian of a minor, and after notice to all other persons interested as the court directs, may authorize the guardian to exercise any or all powers over the estate and business affairs of the ward that the ward could exercise if present and not under disability. The court may authorize the taking of an action or the application of funds not required for the ward's current and future maintenance and support in any manner approved by the court as being in keeping with the ward's wishes so far as they can be ascertained. The court must consider the permanence of the ward's disabling condition and the natural objects of the ward's bounty. In ascertaining and carrying out the ward's wishes the court may consider, but shall not be limited to, minimization of State or federal income, estate, or inheritance taxes; and providing gifts to charities, relatives, and friends that would be likely recipients of donations from the ward. The ward's wishes as best they can be ascertained shall be carried out, whether or not tax savings are involved. Actions or applications of funds may include, but shall not be limited to, the following:
(1) making gifts of income or principal, or both, of the estate, either outright or in trust;
(2) conveying, releasing, or disclaiming his or her contingent and expectant interests in property, including marital property rights and any right of survivorship incident to joint tenancy or tenancy by the entirety;
(3) releasing or disclaiming his or her powers as trustee, personal representative, custodian for minors, or guardian;
(4) exercising, releasing, or disclaiming his or her powers as donee of a power of appointment;
(5) entering into contracts;
(6) creating for the benefit of the ward or others,
(Nothinig is to the benefit of Devon Bank's clients or wards. The people they hire benefit the most. They inherit the entire estate.)
revocable or irrevocable trusts of his or her property that may extend beyond his or her disability or life;
(7) exercising options of the ward to purchase or exchange securities or other property;
(8) exercising the rights of the ward to elect benefit or payment options, to terminate, to change beneficiaries or ownership, to assign rights, to borrow, or to receive cash value in return for a surrender of rights under any one or more of the following:
(i) life insurance policies, plans, or benefits,
(ii) annuity policies, plans, or benefits,
(iii) mutual fund and other dividend investment plans,
(iv) retirement, profit sharing, and employee welfare plans and benefits;
(9) exercising his or her right to claim or disclaim an elective share in the estate of his or her deceased spouse and to renounce any interest by testate or intestate succession or by inter vivos transfer;
(10) changing the ward's residence or domicile; or
(11) modifying by means of codicil or trust amendment the terms of the ward's will or any revocable trust created by the ward, as the court may consider advisable in light of changes in applicable tax laws.
The guardian in his or her petition shall briefly outline the action or application of funds for which he or she seeks approval, the results expected to be accomplished thereby, and the tax savings, if any, expected to accrue. The proposed action or application of funds may include gifts of the ward's personal property or real estate, but transfers of real estate shall be subject to the requirements of Section 20 of this Act. Gifts may be for the benefit of prospective legatees, devisees, or heirs apparent of the ward or may be made to individuals or charities in which the ward is believed to have an interest. The guardian shall also indicate in the petition that any planned disposition is consistent with the intentions of the ward insofar as they can be ascertained, and if the ward's intentions cannot be ascertained, the ward will be presumed to favor reduction in the incidents of various forms of taxation and the partial distribution of his or her estate as provided in this subsection. The guardian shall not, however, be required to include as a beneficiary or fiduciary any person who he has reason to believe would be excluded by the ward. A guardian shall be required to investigate and pursue a ward's eligibility for governmental benefits.
(b) Upon the direction of the court which issued his letters, a guardian may perform the contracts of his ward which were legally subsisting at the time of the commencement of the ward's disability. The court may authorize the guardian to execute and deliver any bill of sale, deed or other instrument.
(c) The guardian of the estate of a ward shall appear for and represent the ward in all legal proceedings unless another person is appointed for that purpose as guardian or next friend. This does not impair the power of any court to appoint a guardian ad litem or next friend to defend the interests of the ward in that court, or to appoint or allow any person as the next friend of a ward to commence, prosecute or defend any proceeding in his behalf. Without impairing the power of the court in any respect, if the guardian of the estate of a ward and another person as next friend shall appear for and represent the ward in a legal proceeding in which the compensation of the attorney or attorneys representing the guardian and next friend is solely determined under a contingent fee arrangement, the guardian of the estate of the ward shall not participate in or have any duty to review the prosecution of the action, to participate in or review the appropriateness of any settlement of the action, or to participate in or review any determination of the appropriateness of any fees awarded to the attorney or attorneys employed in the prosecution of the action.
(d) Adjudication of disability shall not revoke or otherwise terminate a trust which is revocable by the ward. A guardian of the estate shall have no authority to revoke a trust that is revocable by the ward, except that the court may authorize a guardian to revoke a Totten trust or similar deposit or withdrawable capital account in trust to the extent necessary to provide funds for the purposes specified in paragraph (a) of this Section. If the trustee of any trust for the benefit of the ward has discretionary power to apply income or principal for the ward's benefit, the trustee shall not be required to distribute any of the income or principal to the guardian of the ward's estate, but the guardian may bring an action on behalf of the ward to compel the trustee to exercise the trustee's discretion or to seek relief from an abuse of discretion. This paragraph shall not limit the right of a guardian of the estate to receive accountings from the trustee on behalf of the ward.
(e) Absent court order pursuant to the Illinois Power of Attorney Act directing a guardian to exercise powers of the principal under an agency that survives disability, the guardian will have no power, duty or liability with respect to any property subject to the agency. This subsection (e) applies to all agencies, whenever and wherever executed.
(f) Upon petition by any interested person (including the standby or short-term guardian), with such notice to interested persons as the court directs and a finding by the court that it is in the best interest of the disabled person, the court may terminate or limit the authority of a standby or short-term guardian or may enter such other orders as the court deems necessary to provide for the best interest of the disabled person. The petition for termination or limitation of the authority of a standby or short-term guardian may, but need not, be combined with a petition to have another guardian appointed for the disabled person.
(Source: P.A. 95-331, eff. 8-21-07.)
There is nothing said in this law about a trustee who is incapable of performing these duties.
Obviously, Sally Griffin and Rick Block missed this law. I don't think these two know the meaning of frugal. Of course, Sally is no longer there and who knows? Maybe the new one knows what her job entails and can keep Rick in line?
(a) To the extent specified in the order establishing the guardianship, the guardian of the estate shall have the care, management and investment of the estate, shall manage the estate frugally and shall apply the income and principal of the estate so far as necessary for the comfort and suitable support and education of the ward, his minor and adult dependent children, and persons related by blood or marriage who are dependent upon or entitled to support from him, or for any other purpose which the court deems to be for the best interests of the ward, and the court may approve the making on behalf of the ward of such agreements as the court determines to be for the ward's best interests. The guardian may make disbursement of his ward's funds and estate directly to the ward or other distributee or in such other manner and in such amounts as the court directs. If the estate of a ward is derived in whole or in part from payments of compensation, adjusted compensation, pension, insurance or other similar benefits made directly to the estate by the Veterans Administration, notice of the application for leave to invest or expend the ward's funds or estate, together with a copy of the petition and proposed order, shall be given to the Veterans' Administration Regional Office in this State at least 7 days before the hearing on the application.
(a-5) The probate court, upon petition of a guardian, other than the guardian of a minor, and after notice to all other persons interested as the court directs, may authorize the guardian to exercise any or all powers over the estate and business affairs of the ward that the ward could exercise if present and not under disability. The court may authorize the taking of an action or the application of funds not required for the ward's current and future maintenance and support in any manner approved by the court as being in keeping with the ward's wishes so far as they can be ascertained. The court must consider the permanence of the ward's disabling condition and the natural objects of the ward's bounty. In ascertaining and carrying out the ward's wishes the court may consider, but shall not be limited to, minimization of State or federal income, estate, or inheritance taxes; and providing gifts to charities, relatives, and friends that would be likely recipients of donations from the ward. The ward's wishes as best they can be ascertained shall be carried out, whether or not tax savings are involved. Actions or applications of funds may include, but shall not be limited to, the following:
(1) making gifts of income or principal, or both, of the estate, either outright or in trust;
(2) conveying, releasing, or disclaiming his or her contingent and expectant interests in property, including marital property rights and any right of survivorship incident to joint tenancy or tenancy by the entirety;
(3) releasing or disclaiming his or her powers as trustee, personal representative, custodian for minors, or guardian;
(4) exercising, releasing, or disclaiming his or her powers as donee of a power of appointment;
(5) entering into contracts;
(6) creating for the benefit of the ward or others,
(Nothinig is to the benefit of Devon Bank's clients or wards. The people they hire benefit the most. They inherit the entire estate.)
revocable or irrevocable trusts of his or her property that may extend beyond his or her disability or life;
(7) exercising options of the ward to purchase or exchange securities or other property;
(8) exercising the rights of the ward to elect benefit or payment options, to terminate, to change beneficiaries or ownership, to assign rights, to borrow, or to receive cash value in return for a surrender of rights under any one or more of the following:
(i) life insurance policies, plans, or benefits,
(ii) annuity policies, plans, or benefits,
(iii) mutual fund and other dividend investment plans,
(iv) retirement, profit sharing, and employee welfare plans and benefits;
(9) exercising his or her right to claim or disclaim an elective share in the estate of his or her deceased spouse and to renounce any interest by testate or intestate succession or by inter vivos transfer;
(10) changing the ward's residence or domicile; or
(11) modifying by means of codicil or trust amendment the terms of the ward's will or any revocable trust created by the ward, as the court may consider advisable in light of changes in applicable tax laws.
The guardian in his or her petition shall briefly outline the action or application of funds for which he or she seeks approval, the results expected to be accomplished thereby, and the tax savings, if any, expected to accrue. The proposed action or application of funds may include gifts of the ward's personal property or real estate, but transfers of real estate shall be subject to the requirements of Section 20 of this Act. Gifts may be for the benefit of prospective legatees, devisees, or heirs apparent of the ward or may be made to individuals or charities in which the ward is believed to have an interest. The guardian shall also indicate in the petition that any planned disposition is consistent with the intentions of the ward insofar as they can be ascertained, and if the ward's intentions cannot be ascertained, the ward will be presumed to favor reduction in the incidents of various forms of taxation and the partial distribution of his or her estate as provided in this subsection. The guardian shall not, however, be required to include as a beneficiary or fiduciary any person who he has reason to believe would be excluded by the ward. A guardian shall be required to investigate and pursue a ward's eligibility for governmental benefits.
(b) Upon the direction of the court which issued his letters, a guardian may perform the contracts of his ward which were legally subsisting at the time of the commencement of the ward's disability. The court may authorize the guardian to execute and deliver any bill of sale, deed or other instrument.
(c) The guardian of the estate of a ward shall appear for and represent the ward in all legal proceedings unless another person is appointed for that purpose as guardian or next friend. This does not impair the power of any court to appoint a guardian ad litem or next friend to defend the interests of the ward in that court, or to appoint or allow any person as the next friend of a ward to commence, prosecute or defend any proceeding in his behalf. Without impairing the power of the court in any respect, if the guardian of the estate of a ward and another person as next friend shall appear for and represent the ward in a legal proceeding in which the compensation of the attorney or attorneys representing the guardian and next friend is solely determined under a contingent fee arrangement, the guardian of the estate of the ward shall not participate in or have any duty to review the prosecution of the action, to participate in or review the appropriateness of any settlement of the action, or to participate in or review any determination of the appropriateness of any fees awarded to the attorney or attorneys employed in the prosecution of the action.
(d) Adjudication of disability shall not revoke or otherwise terminate a trust which is revocable by the ward. A guardian of the estate shall have no authority to revoke a trust that is revocable by the ward, except that the court may authorize a guardian to revoke a Totten trust or similar deposit or withdrawable capital account in trust to the extent necessary to provide funds for the purposes specified in paragraph (a) of this Section. If the trustee of any trust for the benefit of the ward has discretionary power to apply income or principal for the ward's benefit, the trustee shall not be required to distribute any of the income or principal to the guardian of the ward's estate, but the guardian may bring an action on behalf of the ward to compel the trustee to exercise the trustee's discretion or to seek relief from an abuse of discretion. This paragraph shall not limit the right of a guardian of the estate to receive accountings from the trustee on behalf of the ward.
(e) Absent court order pursuant to the Illinois Power of Attorney Act directing a guardian to exercise powers of the principal under an agency that survives disability, the guardian will have no power, duty or liability with respect to any property subject to the agency. This subsection (e) applies to all agencies, whenever and wherever executed.
(f) Upon petition by any interested person (including the standby or short-term guardian), with such notice to interested persons as the court directs and a finding by the court that it is in the best interest of the disabled person, the court may terminate or limit the authority of a standby or short-term guardian or may enter such other orders as the court deems necessary to provide for the best interest of the disabled person. The petition for termination or limitation of the authority of a standby or short-term guardian may, but need not, be combined with a petition to have another guardian appointed for the disabled person.
(Source: P.A. 95-331, eff. 8-21-07.)
There is nothing said in this law about a trustee who is incapable of performing these duties.
Saturday, March 5, 2011
Devon Bank Trust Department Liquidating Assets of their Clients
When you open up a trust account at Devon Bank, they liquidate all your assets into cash. If you have a gold coin collection, jewelry, stock portfolio, bonds, annuities (or planned well for your retirement and are living off the interest of your investment portfolio), the trustees will sell everything then invest your money into bank stocks. (I'm looking at all their clients and they're not making them any money.)
What do they get out of this? Why are they investing money into Washington Mutual, Bank of India, Federal National Mortgage, etc.? The client makes nothing on interest so why do they even bother?
If you have personal property (like jewelry, coins, a car, etc.) that have sentimental value, too bad for you. The trustees at Devon Bank liquidate all your assets whether you like it or not. (I'm sure Rick Block and Sally Griffin wouldn't like it if their personal property was being sold, they're thanking their lucky stars they don't have themselves as Guardians of their Estate).
I don't understand it? My college education is accounting (and their accounting mistakes alone give me nightmares) and I can't figure out what they're getting out of liquidating someone's portfolio only to invest in bank stocks that yeild nothing in return for the investment? (1-4% in interest, really.) What am I missing?
I'll publish a list of banks that Devon Bank invests their clients money into next week when I have more time.
What do they get out of this? Why are they investing money into Washington Mutual, Bank of India, Federal National Mortgage, etc.? The client makes nothing on interest so why do they even bother?
If you have personal property (like jewelry, coins, a car, etc.) that have sentimental value, too bad for you. The trustees at Devon Bank liquidate all your assets whether you like it or not. (I'm sure Rick Block and Sally Griffin wouldn't like it if their personal property was being sold, they're thanking their lucky stars they don't have themselves as Guardians of their Estate).
I don't understand it? My college education is accounting (and their accounting mistakes alone give me nightmares) and I can't figure out what they're getting out of liquidating someone's portfolio only to invest in bank stocks that yeild nothing in return for the investment? (1-4% in interest, really.) What am I missing?
I'll publish a list of banks that Devon Bank invests their clients money into next week when I have more time.
Monday, January 3, 2011
Devon Bank Complaint Department
Naturally, I’ve become the complaint department for this bank and I knew I would. A few weeks ago, I got five complaints in two days. Countless more since July.
I explained all your problems and turned it over to the ProbateSharks.com Investigative Team. You can also ask for their help here - verenusl@gmail.com. Lucius Verenus. (Lucius means "light" and is no relation to Lucifer. I just looked up it's meaning because the guy intimidates me a little.) They pulled through the other day with a list of organizations (and have numerous other resources on their site).
How do you report banks or financial institutions?
The first thing you should do is call the main office of Devon Bank, the head branch. I tried to get someone involved at the top and nothing happened but that doesn’t mean you shouldn’t make the effort. You don’t have to go through the great lengths I did, just make one call. Keep a record of your email, phone conversation, all the people you spoke with and what was said, dates, times, etc. Regardless of the outcome, it’s a good faith gesture on your part and shows that you’re trying to resolve the problem before you report them. Obviously, if you’re writing me then you’ve been unsuccessful or simply don’t know where to turn.
ProbateSharks suggests you contact the Better Business Bureau but when I looked up Devon Bank, it says they’re not accredited. In order to be endorsed by the BBB, you have to ask and when you do, you’re making a promise that you’ll solve consumer complaints and live up to their standards (which are quite high). This is Devon Bank’s page:
http://www.bbb.org/chicago/business-reviews/banks/devon-bank-in-chicago-il-283
Then follow the rest of the links on their site:
http://probateshark.blogspot.com/2010/12/how-to-report-unethical-banks-and.html
File a complaint with the IL Department of Professional Regulations, the Federal Reserve (and I don’t think Devon Bank is under their jurisdiction but you should consider filing a complaint anyway since their site is so user friendly), the FDIC and the Attorney General’s office consumers' complaint division. Most of these web sites have online forms but if you have to mail it, make sure you keep the originals and send copies registered mail. They don't want personal information either. Like your social security, credit card or bank account numbers.
There is also a website that you can check your banks rating. They call it the “Texas Ratio” and this is the description:
To calculate the Texas Ratio, you divide a bank's bad debt on the books by the amount of money it has to absorb the bad debt. If the number approaches 100% (or higher), the Texas Ratio suggests that the bank is more likely to fail.
You can look up any bank on this website:
http://www.bankrate.com/rates/safe-sound/bank-ratings-search.aspx?t=cb
Devon Bank’s rating is here:
http://www.bankrate.com/rates/safe-sound/memorandums-memos.aspx?fedid=347639
In fairness, I checked my bank with both the Better Business Bureau and Texas Ratio. My bank is accredited and its score is perfect on both sites. Banks are FDIC insured too so I'm not completely sure why the ratio is important other than measuring desperation?
I would appreciate it if you would still notify me in regard to the problems that you’re having with Devon Bank and I hope you find this information helpful.
I explained all your problems and turned it over to the ProbateSharks.com Investigative Team. You can also ask for their help here - verenusl@gmail.com. Lucius Verenus. (Lucius means "light" and is no relation to Lucifer. I just looked up it's meaning because the guy intimidates me a little.) They pulled through the other day with a list of organizations (and have numerous other resources on their site).
How do you report banks or financial institutions?
The first thing you should do is call the main office of Devon Bank, the head branch. I tried to get someone involved at the top and nothing happened but that doesn’t mean you shouldn’t make the effort. You don’t have to go through the great lengths I did, just make one call. Keep a record of your email, phone conversation, all the people you spoke with and what was said, dates, times, etc. Regardless of the outcome, it’s a good faith gesture on your part and shows that you’re trying to resolve the problem before you report them. Obviously, if you’re writing me then you’ve been unsuccessful or simply don’t know where to turn.
ProbateSharks suggests you contact the Better Business Bureau but when I looked up Devon Bank, it says they’re not accredited. In order to be endorsed by the BBB, you have to ask and when you do, you’re making a promise that you’ll solve consumer complaints and live up to their standards (which are quite high). This is Devon Bank’s page:
http://www.bbb.org/chicago/business-reviews/banks/devon-bank-in-chicago-il-283
Then follow the rest of the links on their site:
http://probateshark.blogspot.com/2010/12/how-to-report-unethical-banks-and.html
File a complaint with the IL Department of Professional Regulations, the Federal Reserve (and I don’t think Devon Bank is under their jurisdiction but you should consider filing a complaint anyway since their site is so user friendly), the FDIC and the Attorney General’s office consumers' complaint division. Most of these web sites have online forms but if you have to mail it, make sure you keep the originals and send copies registered mail. They don't want personal information either. Like your social security, credit card or bank account numbers.
There is also a website that you can check your banks rating. They call it the “Texas Ratio” and this is the description:
To calculate the Texas Ratio, you divide a bank's bad debt on the books by the amount of money it has to absorb the bad debt. If the number approaches 100% (or higher), the Texas Ratio suggests that the bank is more likely to fail.
You can look up any bank on this website:
http://www.bankrate.com/rates/safe-sound/bank-ratings-search.aspx?t=cb
Devon Bank’s rating is here:
http://www.bankrate.com/rates/safe-sound/memorandums-memos.aspx?fedid=347639
In fairness, I checked my bank with both the Better Business Bureau and Texas Ratio. My bank is accredited and its score is perfect on both sites. Banks are FDIC insured too so I'm not completely sure why the ratio is important other than measuring desperation?
I would appreciate it if you would still notify me in regard to the problems that you’re having with Devon Bank and I hope you find this information helpful.
Thursday, December 9, 2010
Probate Sharks
Devon Bank committed a crime. I found this on probatesharks about Land Trusts
http://probateshark.blogspot.com/
http://law.justia.com/illinois/codes/2010/chapter765/2185.html
The first day Rick and Sally came over, they had Ludwig’s will in their hands. Rick immediately started unloading Ludwig's property (and throwing him into a nursing home) and Sally opened Ludwig's will to his Land Trust document to show him. Both Ludwig and I asked for a copy of it, she flipped the document closed and said no. (And it's not like we had to go anywhere either. Ludwig had a copy machine in his office.)
Janna Dutton (Ludwig's attorney) came over to the house when Ludwig’s sister flew in for his competency hearing. She asked for a copy of his land trust and will. Granted, she speaks German but it’s not so much different from the English language. (Letters are different. Like good is goot in German. On the other hand, if you want to translate the word land it’s land. No miscommunication there.) Dutton blew her off and pretended like she didn’t hear her. Then her translator asked and still nothing. (Dutton was rude to everyone this day, even her own client.) I asked and I won’t be ignored. Snipped.
Snipped.
I’m talking to an attorney who tells me that banks are corrupt and incompetent. He sues the same bank, for the same thing all the time. He thinks they should just learn from the first lawsuit he files but they don’t, they keep asking for more.
http://probateshark.blogspot.com/
http://law.justia.com/illinois/codes/2010/chapter765/2185.html
The first day Rick and Sally came over, they had Ludwig’s will in their hands. Rick immediately started unloading Ludwig's property (and throwing him into a nursing home) and Sally opened Ludwig's will to his Land Trust document to show him. Both Ludwig and I asked for a copy of it, she flipped the document closed and said no. (And it's not like we had to go anywhere either. Ludwig had a copy machine in his office.)
Janna Dutton (Ludwig's attorney) came over to the house when Ludwig’s sister flew in for his competency hearing. She asked for a copy of his land trust and will. Granted, she speaks German but it’s not so much different from the English language. (Letters are different. Like good is goot in German. On the other hand, if you want to translate the word land it’s land. No miscommunication there.) Dutton blew her off and pretended like she didn’t hear her. Then her translator asked and still nothing. (Dutton was rude to everyone this day, even her own client.) I asked and I won’t be ignored. Snipped.
Snipped.
I’m talking to an attorney who tells me that banks are corrupt and incompetent. He sues the same bank, for the same thing all the time. He thinks they should just learn from the first lawsuit he files but they don’t, they keep asking for more.
Wednesday, December 1, 2010
Janna Dutton's Debut
She made her debut on NASGA (stopguardianabuse.org), here’s the link.
http://nasga-stopguardianabuse.blogspot.com/
OBRA Trusts – Medicaid planning or Medicaid Abuse and Fraud.
In fact, one Cook County Probate Court lawyer educates her peers in ways in which very large estates may be placed into OBRA and/or other types of trusts, to allow the disabled ward to qualify for Medicaid. She also educates her peers on which types of trusts are lacking oversite, and which types of trusts allow for "administrative fees" (i.e., attorneys' and guardians' fees). Her educational video, which some feel to be controversial, may be viewed at this website: IllinoisProBono.org
She actually made her debut several months ago on probatesharks. Here:
http://probateshark.blogspot.com/2010_10_01_archive.html
Janna Dutton has an instructional video on the Internet and EVERYONE is talking about it.
It's "my personal opinion" that everyone (bank trustees, guardians, attorney's, caregiving agencies, etc.,) get excited when Dutton sets up a clients financial affairs because she sets them up to be beneficiaries of her clients estate (along with herself).
http://nasga-stopguardianabuse.blogspot.com/
OBRA Trusts – Medicaid planning or Medicaid Abuse and Fraud.
In fact, one Cook County Probate Court lawyer educates her peers in ways in which very large estates may be placed into OBRA and/or other types of trusts, to allow the disabled ward to qualify for Medicaid. She also educates her peers on which types of trusts are lacking oversite, and which types of trusts allow for "administrative fees" (i.e., attorneys' and guardians' fees). Her educational video, which some feel to be controversial, may be viewed at this website: IllinoisProBono.org
She actually made her debut several months ago on probatesharks. Here:
http://probateshark.blogspot.com/2010_10_01_archive.html
Janna Dutton has an instructional video on the Internet and EVERYONE is talking about it.
It's "my personal opinion" that everyone (bank trustees, guardians, attorney's, caregiving agencies, etc.,) get excited when Dutton sets up a clients financial affairs because she sets them up to be beneficiaries of her clients estate (along with herself).
Sunday, November 28, 2010
Devon Bank Trust Department
They called me Tuesday. I didn’t hear my phone, I was vacuuming. Chrissy from that department called (I googled her phone number), I don’t want to put her full name because it’s inappropriate. Believe me, she wouldn’t call without direct orders from Rick Block and Sally Griffin.
I met Chrissy the time she came over holding Sally’s hand and she’s not a nice person. I am trying to establish a pattern of abuse. That anyone who opens a trust account gets isolated, surrounded, financially exploited, abused and all their loved ones get treated like they’re a bunch of criminals. So, I might as well add Chrissy and the fact she treated me like a felon. I didn’t mention her in Ludwig’s story because she’s an incidental. Everyone is secondary to the person above them.
In any event, they evicted me 17 months ago and I can’t imagine what they want now? Although, what they had to say isn’t important because they could have left a message or emailed.
You want to know the real strange part? I have a lot of things to do in regard to this bank scam. I decided (just a few hours before she called) to put everything off until after the holidays. Then I get a phone call from them. Gives you the willies, doesn’t it? The one day that I make a conscious effort to keep them out of my thoughts and plans is the one day they make a conscious effort to call… it’s frightening. I’m taking it as a sign.
Now, I’m worried about Ludwig but I always worry about him. I just googled him and he’s quite popular :)
I met Chrissy the time she came over holding Sally’s hand and she’s not a nice person. I am trying to establish a pattern of abuse. That anyone who opens a trust account gets isolated, surrounded, financially exploited, abused and all their loved ones get treated like they’re a bunch of criminals. So, I might as well add Chrissy and the fact she treated me like a felon. I didn’t mention her in Ludwig’s story because she’s an incidental. Everyone is secondary to the person above them.
In any event, they evicted me 17 months ago and I can’t imagine what they want now? Although, what they had to say isn’t important because they could have left a message or emailed.
You want to know the real strange part? I have a lot of things to do in regard to this bank scam. I decided (just a few hours before she called) to put everything off until after the holidays. Then I get a phone call from them. Gives you the willies, doesn’t it? The one day that I make a conscious effort to keep them out of my thoughts and plans is the one day they make a conscious effort to call… it’s frightening. I’m taking it as a sign.
Now, I’m worried about Ludwig but I always worry about him. I just googled him and he’s quite popular :)
Friday, November 19, 2010
Common Practice, it seems......
These are excerpts taken from the GAO report:
"Also, the guardian neglected to collect $39,000 of rental income for over four years on behalf of one victim."
Ludwig and I couldn't find his rental income either. I know Root Realty did their job in collecting the money, it just never made it into Ludwig's trust account. Your guess is as good as mine as to where that money went (and that realty company was paid $250 a month to manage two empty apartments, then just one apartment for a while). Devon Bank was EXCELLENT when it came to passing out Ludwig's money, collecting it or making him any was another story. (You also can't check on the banks accuracy since Rick Block has "free reign over the old man's half a million dollars! No courts to go through!" That's what he was bragging about when Ludwig opened his trust account at Devon Bank and no trustee is going to get that excited unless they have something to gain by it "in my opinion.")
"The guardian hid the man's will from the court and family members..."
Another common practice at Devon Bank. I'll tell you after Ludwig passes away why they wouldn't cough this thing up aside from Mr. Block's "free reign" and the fact that not only aren't the courts watching them but obviously no one at the bank is watching those two trustees either. I'll let you know if Ludwig's family inherits anything.
"For example, she noted that the company had purchased mental health support services for the veteran at a rate that was 1500 percent higher than necessary."
Devon Bank does the exact same thing when hiring Home Instead Caregiving Agency. Their clients pay an OBSCENE amount of money for caregivers even if they don't want them or need them, they're forced. When a Senior Citizen requires 24 hour care, it's more economical for them to go straight into daily rates instead of hourly. The trustees at Devon Bank don't do this, they force their clients to continue at the hourly rate which is more than double. When Ludwig complained about all the caregivers coming, the trustees just set him up with more and billed him more money (then, Home Instead had all kinds of things going on at Ludwig's house while he wasn't even home, just to get paid. They made excuses to bill him but what do you expect when no one is minding the till and the bank has free reign?). Not to mention, you have a private paid guardian who is pushing lift chairs and wheelchairs on his clients. It's obvious they want their clients to physically deteriorate in order to move Home Instead in then bill them an outrageous fee for their "professional care." Caregivers wouldn't even be hired if they let their clients exercise, get up or walk on their own but they don't. Trust me, there's no $$$$ in it.
"the elderly woman did not have pierced ears and the earrings were later found in the guardian’s home. Searches of her home also revealed coins, "
I bet Rick Block is a coin collector. (To all my anonymous posters, you don't need to tell me whether or not this is true, my intuition tells me all I need to know. I saw the way he was looking at Ludwig's coin collection, the man was a goner.) But I think all their homes should be looked at by the families (who had trust accounts at Devon Bank) to check to see if anything looks familiar.
"When her clients moved into a nursing facility, the permanent guardian would throw away everything in their houses......."
Another common practice at Devon Bank and Ludwig wasn't even moved to a nursing home before the trustees threw out his personal property. They just tossed his possessions out right in front of Ludwig and the entire world. Called the junkman. Can you imagine?
"The court recommended that it could either appoint the attorney to serve as the victim’s guardian, or allow the attorney to continue to serve as the victim’s trustee instead. However, in the end, it allowed both to occur...."
I don't know what difference this makes? This is "my opinion" of the trust department at Devon Bank. I watched Sally Griffin order Rick Block around. She did all the talking and when we were emptying Ludwig's lockbox, she told Rick what to do and he did it. (The reason I paid so much attention to this was because she was so disrespectful to Ludwig. If she had any respect for her boss or employer she wouldn't disrespect her client but he didn't command any.) Then I watched Josh Mitzen (hired by Devon Bank to be the guardian in order to steal estates out from underneath the heirs who inherit) order Sally around. So, "in my opinion" Josh Mitzen is Senior Vice President of the Trust Department down at Devon Bank. He definitely runs the show.... kind of like a pecking order. Josh is over Sally, she's over Rick. So, what difference does it make about guardian of the estate and guardian of the person?
After looking at Ludwig's trust account, watching the theives they hired come through his front door, the way the two trustees squander his money and his estate, I've come to the realization that they're (two trustees) are not out to make their employer money. BUT that's only what I can see (by looking at their expenses), they may very well be making their employer all kinds of money "on the side." I don't know?
I remember several months ago, a woman left 7 million to a college. The woman lived just like Ludwig, very simply, in a small home. My first thought? She didn't open a trust account at Devon Bank because they would have appointed a "care manager" then deemed her incompetent, sold her property and spent her 7 million before she died so no one inherited. Most of it probably going to the guardian, their attorney and caregivers. This woman got lucky. She had a reputable attorney. (Marlatt, I'll never forget his name.)
The good thing about this GAO report is the fact that these guardians/conservators are getting fined and imprisoned. There is justice in the world.
Report fraud at this link:
www.gao.gov/fraudnet/fraudnet.htm
"Also, the guardian neglected to collect $39,000 of rental income for over four years on behalf of one victim."
Ludwig and I couldn't find his rental income either. I know Root Realty did their job in collecting the money, it just never made it into Ludwig's trust account. Your guess is as good as mine as to where that money went (and that realty company was paid $250 a month to manage two empty apartments, then just one apartment for a while). Devon Bank was EXCELLENT when it came to passing out Ludwig's money, collecting it or making him any was another story. (You also can't check on the banks accuracy since Rick Block has "free reign over the old man's half a million dollars! No courts to go through!" That's what he was bragging about when Ludwig opened his trust account at Devon Bank and no trustee is going to get that excited unless they have something to gain by it "in my opinion.")
"The guardian hid the man's will from the court and family members..."
Another common practice at Devon Bank. I'll tell you after Ludwig passes away why they wouldn't cough this thing up aside from Mr. Block's "free reign" and the fact that not only aren't the courts watching them but obviously no one at the bank is watching those two trustees either. I'll let you know if Ludwig's family inherits anything.
"For example, she noted that the company had purchased mental health support services for the veteran at a rate that was 1500 percent higher than necessary."
Devon Bank does the exact same thing when hiring Home Instead Caregiving Agency. Their clients pay an OBSCENE amount of money for caregivers even if they don't want them or need them, they're forced. When a Senior Citizen requires 24 hour care, it's more economical for them to go straight into daily rates instead of hourly. The trustees at Devon Bank don't do this, they force their clients to continue at the hourly rate which is more than double. When Ludwig complained about all the caregivers coming, the trustees just set him up with more and billed him more money (then, Home Instead had all kinds of things going on at Ludwig's house while he wasn't even home, just to get paid. They made excuses to bill him but what do you expect when no one is minding the till and the bank has free reign?). Not to mention, you have a private paid guardian who is pushing lift chairs and wheelchairs on his clients. It's obvious they want their clients to physically deteriorate in order to move Home Instead in then bill them an outrageous fee for their "professional care." Caregivers wouldn't even be hired if they let their clients exercise, get up or walk on their own but they don't. Trust me, there's no $$$$ in it.
"the elderly woman did not have pierced ears and the earrings were later found in the guardian’s home. Searches of her home also revealed coins, "
I bet Rick Block is a coin collector. (To all my anonymous posters, you don't need to tell me whether or not this is true, my intuition tells me all I need to know. I saw the way he was looking at Ludwig's coin collection, the man was a goner.) But I think all their homes should be looked at by the families (who had trust accounts at Devon Bank) to check to see if anything looks familiar.
"When her clients moved into a nursing facility, the permanent guardian would throw away everything in their houses......."
Another common practice at Devon Bank and Ludwig wasn't even moved to a nursing home before the trustees threw out his personal property. They just tossed his possessions out right in front of Ludwig and the entire world. Called the junkman. Can you imagine?
"The court recommended that it could either appoint the attorney to serve as the victim’s guardian, or allow the attorney to continue to serve as the victim’s trustee instead. However, in the end, it allowed both to occur...."
I don't know what difference this makes? This is "my opinion" of the trust department at Devon Bank. I watched Sally Griffin order Rick Block around. She did all the talking and when we were emptying Ludwig's lockbox, she told Rick what to do and he did it. (The reason I paid so much attention to this was because she was so disrespectful to Ludwig. If she had any respect for her boss or employer she wouldn't disrespect her client but he didn't command any.) Then I watched Josh Mitzen (hired by Devon Bank to be the guardian in order to steal estates out from underneath the heirs who inherit) order Sally around. So, "in my opinion" Josh Mitzen is Senior Vice President of the Trust Department down at Devon Bank. He definitely runs the show.... kind of like a pecking order. Josh is over Sally, she's over Rick. So, what difference does it make about guardian of the estate and guardian of the person?
After looking at Ludwig's trust account, watching the theives they hired come through his front door, the way the two trustees squander his money and his estate, I've come to the realization that they're (two trustees) are not out to make their employer money. BUT that's only what I can see (by looking at their expenses), they may very well be making their employer all kinds of money "on the side." I don't know?
I remember several months ago, a woman left 7 million to a college. The woman lived just like Ludwig, very simply, in a small home. My first thought? She didn't open a trust account at Devon Bank because they would have appointed a "care manager" then deemed her incompetent, sold her property and spent her 7 million before she died so no one inherited. Most of it probably going to the guardian, their attorney and caregivers. This woman got lucky. She had a reputable attorney. (Marlatt, I'll never forget his name.)
The good thing about this GAO report is the fact that these guardians/conservators are getting fined and imprisoned. There is justice in the world.
Report fraud at this link:
www.gao.gov/fraudnet/fraudnet.htm
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