Investment Company 1PLUS12 Allegedly Involved in Fraud – Sued for almost $2M by Investor

1PLUS12 is an investment company that used to be trusted by their clients until news broke out that they are possibly linked to a $17M Toronto mortgage fraud. One of their consultants was also involved in a B.C. based financial company that lost almost $19M of its investors’ and creditors’ money.

Ruined Reputation?

1PLUS12 calls itself an ‘international investment training company’. They also claim that they can make their clients rich through their unique and uncommon approach to investing.

An investigation by Global News unearthed two lawsuits with a total of $6.4M against 1PLUS12. Further digging revealed that 1PLUS12 is linked to a $17M high-end real estate mortgage fraud in Toronto. It also came to light that one of 1PLUS12’s consultants is the same person behind Dexior Financial, a B.C. company that is facing financial issues after losing $19M of its investors’ and creditors’ money.

Unworthy of Trust?

A former client, named Roman Turlo, is now suing 1PLUS12 for almost $2. Turlo stated that the company is making money off of trusting, innocent people, adding that the company allegedly misrepresented real estate opportunities in a fraudulent manner. Turlo further shared that 1PLUS12 claims to use a mix of international and local real estate plus optimized tax and legal strategies to help people become financially independent and free.

1PLUS12 Introduction – Who Are They?

1PLUS12 still operates unregulated by the OSC, the Ontario Securities Commission or the FSCO, the Financial Services Commission of Ontario – the agency that watches over the mortgage industry. To date, 1PLUS12 still have upcoming workshops scheduled for April 2019 and May 2019. Experts express concern that this is a reflection of problems Canada’s real estate and investment sectors.

Glenn Estrabillo, the CEO of 1PLUS 12, declined several requests for an interview by Global News. Estrabillo stated that the company is fighting defamatory and false allegations in court and that they will continue to stand by their investment strategy. To date, none of the allegations against the company have been in court.

Investment Gone Wrong

Turlo shared that he began investing with 1PLUS12 in 2013. He began taking seminars and claims that he spent more than $700,000 as part of an 11-person investing group under 1PLUS12’s guidance.

According to Turlo’s lawsuit, the company promised exclusive mentorship and unique real estate investments that can produce more than 20% in returns. As a group, they spent more than $5.6M on a dozen properties, 1 in Belize and 11 in Ontario. The investment was pitched to them as low risk with good returns. Things were as expected for the first few years until Turlo found out that one of the properties they invested in was sold without their knowledge. This made him suspicious. Later discoveries are even more alarming as he found out that there was no record that their group ever invested in any of the properties.

Updates

This case is currently ongoing in court and 1PLUS12 declines to give further statements, saying that they are aware of the comments against them by a small number of investors and that they are facing the said investors in court.

Are you planning to invest in real estate but not sure about the company you want to work with? Do you need professional help finding out detailed information in a legal manner? Contact us and we’ll discuss how our private investigation services can help safeguard your investments and your future against fraud. Talk to us as soon as possible!

Dishonest Pharmacists in Ontario Are Stealing Millions Meant for the Poor

Fraudulent pharmacists in Ontario have been pocketing millions of dollars meant for the poor over the past few years. Recent reports show that Ontario’s Drug Benefit program have been overbilled by dishonest pharmacists for hundreds of thousands of dollars up to a few million dollars at a time.

How Do They Do It?

A man who identified himself as ‘The Cleaner’ shared that he helps with the scam by fixing the papers and cleaning up the books of any pharmacy that availed of his services. He’s the person who makes the fraudulent pharmacy look as clean as any other pharmacy.

‘The Cleaner’ further shared that pharmacies flagged for overbilling by the Ontario Drug Benefit Program (ODB) usually call him to help them create a paper trail to hide their fraud and get them off the hook. The pharmacists are aware that they are committing fraud and that they could go to jail but that seems to push them, even more, to hire ‘The Cleaner’ to clean up their act and committing more crime in the process.

‘The Cleaner’ divulged that his long career in the health care field allowed him to have more insight about the system and said that he found ways to game it. He creates fake transfers from other pharmacies to fix discrepancies in inventory when Ministry of Health auditors look for medications that were billed by the pharmacy despite never having them in stock. To date, ‘The Cleaner’ helped disguise fraud in more than 100 pharmacies on Ontario in the last 5 years without breaking a sweat.

Pharmacists fool auditors with ‘The Cleaner’s’ coaching. He tells the pharmacists to tell the auditors that they simply forgot to enter certain data and to act like they knew about the medications but simply didn’t enter their data into the system. There are also instances when auditors inform the pharmacy that they are going to conduct an inspection ahead of time so ‘The Cleaner’ simply comes over and fixes what needs fixing in as little as just 3 hours.

The Big Impact

Ontario’s most vulnerable benefit from the medications provided by the ODB. The ODB provides medications for those on social assistance, the elderly, and children by shouldering most if not all of the medication cost for qualified patients. This program costs Ontario about $5.4 billion a year.

The province is billed by pharmacists every 2 weeks for the medications they dispensed to ODB patients and they are then paid afterward. Fraudulent pharmacists commit fraud by overbilling, listing drugs they never dispensed, and adding those to the bill they send ODB. Because of this, funds that are meant to go to the sick and needy are funneled into dishonest pharmacists’ pockets.

To date, very few pharmacists are getting caught and those that were caught usually manage to avoid jail. This is a problem that is costing Ontario a lot of money as there are instances when a caught pharmacist has several pharmacies all overbilling the province but can’t be charged due to lack of evidence.

Fraud happens in any industry. Pharmacy fraud has many aspects and uncovering one still leaves a significant number behind. All that can be done is to be more vigilant for fraud detection and to have safety measures in place for fraud prevention. Our private investigation services can help with these! Contact us today!

What is Skip Tracing and How Can It Help You?

Skip tracing is the term used to name the process of legally locating someone. It is often used by businesses for locating people who have debt, are missing, or need to be investigated. Law enforcement agencies as well as collection and investigative firms often use skip tracing services.

Because of the above, skip tracing is one of the most common jobs for private investigators, amounting to thousands of cases or approximately 20% to 30% of private investigator work in Canada.

Should You Use Skip Tracing?

Skip tracing is the process of finding a person who is hiding or moved away (referred to as person of interest) to avoid responsibilities and other issues. The most common reason for hiding usually revolves around debt.

A private investigator’s job in skip tracing is all about attempting to locate the person of interest’s whereabouts or contact details. In some instances, it may be possible to get a location in real-time and turn over that data to a third-party as long as there is legal basis to do so. Note that a professional private investigator won’t just turn over data to any client without a legal reason.

Who Can be Found via Skip Tracing?

Although the most common reason to use skip tracing services to find someone is for debt collection, it can also be used to locate the following individuals:

  • Clients or customers who did not pay for services rendered
  • Defendants who went missing or did not show up for court date
  • Debtors who defaulted
  • Witnesses for cases
  • Missing heirs or relatives meant to inherit a state
  • People who have ongoing legal proceedings and need to be served process papers

What Information Does a Private Investigator Find When Skip Tracing?

The private investigator will use skip tracing to find out the current location of the person of interest and other relevant data. In some instances, the private investigator can contact the said person to serve papers. Note that the private investigator cannot arrest someone unlike a bounty hunter.

The private investigator will also gather data that includes the person of interest’s social security ID and number, place of work, current address, and current contact number to be part of a report at the conclusion of the case.

How is Skip Tracing Done?

Private investigators use a myriad of legal workarounds to find someone. This can include looking at public records and publicly available information, talking to colleagues and neighbours of the POI, looking around the possible locations where the POI might be hiding, browsing through property deeds and court proceedings, and combing through specialized investigator databases. With enough time, a professional private investigator can find a person of interest given the fact that most people have social media and have tons of paper records.

Skip tracing involves a lot of patience, legwork, research, and even surveillance. It isn’t for a novice and is definitely not for someone who is not aware of the legalities surrounding skip tracing.

Are you looking for someone and need a reliable way to locate them? We can help with our skip tracing services! Contact us for a short discussion about how we can help you with skip tracing.

When Should You Hire a Private Investigator to Catch a Cheating Spouse?

Cheating or infidelity in marriage is one of the leading factors for a divorce. It is one of the most damaging acts that can destroy relationships and trust. If a partner suspects that the other is cheating, things can easily go downhill. The relationship can either end abruptly or end later after numerous fights. So, when is a private investigator needed for instances of cheating or infidelity?

Hiring a private investigator can prove that cheating did occur as well as gather evidence that can be used as evidence in court. More importantly, a private investigator can provide clear answers and give peace of mind to a partner suspecting the other of infidelity.

Do You Need to Hire a Private Eye?

Signs of infidelity are hard to dismiss. One can’t just shake off the feeling that his or her partner is cheating. It creates a big problem even when the other party is not cheating at all because suspicion eats away trust.

You can hire a private investigator for legal reasons when you need hard evidence that can prove cheating in court. A professional private eye knows how to gather data in a legally-admissible way. More so, there are instances when proving cheating can have a significant effect on the outcome of divorce such as when there is a prenuptial agreement with an infidelity clause or if you need to prove that a considerable value of your marital assets was spent on the affair.

Personal reasons are also valid motives to hire a professional private investigator. It can be that you simply want answers for peace of mind. It can also be that you feel that you’re being gaslighted and want out on an abusive and manipulative relationship. In some cases, hiring a private investigator is the logical way to go if both sides of the family are against a possible divorce and you have to defend yourself and prove that an affair is going on. In any case, hiring a private investigator can remove doubts and give you back your sanity.

How to Hire a Private Investigator to Investigate Cheating

The first step is to make the decision that you truly are willing to face what the private eye will uncover. There is no turning back once a professional is hired and the answer may not be what you want to hear nor expect.

Next is to contact a private investigator with a long history of client success and talk to them about what you want to get done. Some technicalities may need to be sorted out (such as legal restrictions) but the right private detective or private investigations firm will be clear with you and will be open to discussing your case before proceeding.

To sum it up, look for experience, ask for licensing information, and ask for a consultation. Choose a professional or a firm that is on the side of the truth and professionalism. Stay away from those who offer false promises and exaggerated claims. Remember that whatever information is uncovered can change your life for better or for worse.

Ready to hire a private investigator to catch a cheating partner? Talk to us and we’ll discuss what we can do for you. We can also investigate if your partner is hiding money and help you get child custody.

 

Tricky Ways Your Partner Can Hide Money from You

Once a relationship goes sour, dividing assets is almost always an issue. This is why some individuals try to find sneaky ways to hide money from their partners to get the upper hand when the partner becomes an ex.

Hiding money is more common than it seems. In the event of a divorce, assets that can’t be found can’t be divided as well, and so a lot of people think hiding money is a smart move reasoning that it is a way for them to get more out of a crumbling relationship. In our work as private investigators, we’ve found out that some people have found very creative tricks to hide money. Below are just a few of them.

Hidden in the Attic

Believe it or not, some people can get away hiding wads of cash in unexpected storage spaces such as an old vase, a paint can, or stuffed inside a toy.

Uncashed Checks

Large sums received as checks can be valid for encashment for up to year depending on location. A sneaky spouse facing an inevitable divorce may simply choose to hide them and encash after divorce.

Stashed in Bills and Credit Cards

Overpaying bills and credit cards mean that the money is thought of as already spent. No one usually looks into this, helping the owner of the account to get away with hiding money which can be accessed later.

Diverted to Paypal or Similar Services

Money in Paypal or similar services is often unchecked and can be converted to cash or used to purchase goods later.

Parked in a Safety Deposit Box

Unless the other party knows where the box is, money saved in a safety deposit box is inaccessible.

Simply Never Mentioned

Lying by omission is an effective way to hide money. If no one else is aware, then the money will stay hidden.

Paid for a Fake Expense

Although quite easy to detect, stating that money was paid for a fake expense is a popular way for people to hide money and usually not found out until after a thorough audit or review.

Splurged on Gift Cards and Prepaid Credit Cards

Both prepaid credit cards and gift cards can be bought up to the thousands and simply stashed for future use.

Paid Under the Table

Some people just never report income and since no one who is unaware can prove the existence of such income, they remain hidden.

Overpaid Taxes

Almost nobody questions a large tax bill. The one who overpaid the taxes can simply process a refund later.

Transferred to Someone Else’s Account

A cheating spouse may hide money by transferring it to their new flame’s account. The same goes with other assets such as cars.

Know that there is no limit to the imaginative kinds of deception that people can think of when they want to hide money. This is why for an extra measure, it won’t hurt to hire a private investigator to look into things so that assets that are unaccounted for can be found.

If you’re in the midst of a divorce or considering it, having a private eye to look into things is a smart move. Consider it as an investment for your future minus your partner. Contact us at Haywood Hunt to avail of our private investigation services.

Brampton Restaurant Cheated Out of $4,600 by Point-of-Sale Terminal Thieves

A restaurant owner in Brampton was scammed out of $4,600 after some thieves switched her point-of-sale terminal and stole money by issuing refunds to themselves. The restaurant owner is at a bind because the payment company she uses thinks she is responsible.

A Dine and Dash Ploy Turned More Sinister

Thieves set up restaurant owner Sabena Coulter and she’s now out of $4,600. In November 2018, 3 male diners dined and left at Sabena Coulter’s restaurant after eating expensive meals. They came back after a few days to settle their bill at Fanzorelli. The Italian restaurant’s owner was relieved; however, it looks like that the thieves only used that opportunity to take a closer look at Fanzorelli’s point-of-service terminal.

In December last year, the trio came back to the restaurant to take Coulter’s point-of-service terminal and drop off a look-alike.  The scammers then quickly used the stolen terminal to steal money at Coulter’s expense. They’ve manipulated the terminal to get a series of refunds channeling money to themselves from Coulter’s merchant account.

In a matter of hours, the trio of scammers stole over $4,600 using 11 transactions and 5 different cards. The restaurant owner shared that the stolen amount is equivalent to a week of wages for her 17 part-time and full-time staff plus some other overhead like food. That is a lot of money lost for someone in the very competitive food industry.

Coulter added that she works really hard 7 days a week and has worked her way up from being a server in the restaurant prior to buying it from the previous owner.

Investigations are Going On

Peel Police is currently investigating after the restaurant owner contacted Peel Regional Police to let them know what happened. Coulter spoke as well with the multi-national company that handles her point-of-sale transactions, Global Payments. Global Payments proceeded to quiz Coulter whether her terminals are password-protected or not. She replied that she’s the only person with the code and was sure that she did everything within her means to protect her account. Global Payments is holding Coulter responsible for the loss.

Global Payment’s written statement says that they appreciate Coulter’s action going public about what happened and that they believe it is important to raise awareness. They also said that they’re investigating on their end and will take extra steps to prevent the same incidence happening to their other customers. As for now, they are working with law enforcement officials to help address the case.

Coulter was encouraged by a senior police detective to tell Global News about what happened after seeing her post on social media. Toronto Police reported a similar incident at a Scarborough restaurant in December but the thief disappeared with the point-of-sales device.

Coulter believes that Global Payments should take responsibility regarding what happened as she has no further control on her device to defend herself. She recently took steps to make her terminals a lot more difficult to steal.

Scams and fraud are nothing new in the restaurant business. Restaurant theft is quite common too. This is why it is important to take extra care in making sure that you are protected. If you need help checking possible weaknesses, our Private Investigation Services can help you identify your weak spots and set protective measures. Contact us to know more.

How a Private Investigator Can Help You with Getting Child Custody

Making sure that you can gain custody of your children can be very tricky. The legal system has restrictions as to what it can accept as evidence as well as limitations on how it interprets the law and how the law applies in your specific situation. You can’t afford to make a mistake as one wrong move can mean losing custody of your children.

Technicalities Can Be an Issue

The law can be very strict on what it can accept as evidence. The type of evidence, the quality, as well as how the evidence was obtained are all taken into consideration. Even if your ex-partner is a mad raving drunk who does drugs, evidence pointing to that but was illegally obtained cannot be acknowledged in court more so if it violates privacy laws. This is how hiring a professional private investigator can make a world of difference when gathering information that can be used for you to gain custody of your children.

It is easy to get emotional and try everything that you can to prove that the other parent is unfit to be around your children. This is especially true if your ex is involved in dubious activities. However, how you present this in court can have a huge impact on the impact of your custody battle. If you fail to present information in a way that is acceptable in court, you may lose your credibility and lose your children too.

If, for example, you used some old photos to prove that your ex was involved in substance abuse, the time and situation when the photos were taken can be a huge factor whether you win custody or not. If they were taken too long ago or under certain circumstances that were not favourable for you, you can be accused of fabricating evidence and trying to influence the judge with false evidence – both can mean possibly losing custody of your children. Note that accurate and legally-obtained evidence is what you need to build a solid argument. This information has to be presented in proper form to be usable in court.

Private Investigation Services for Child Custody

Information that is properly obtained by a private eye can also be helpful in instances when both parents are either unavailable or unfit to gain custody. In this scenario, family members are often assessed to determine who will be the best fit to care for the child or children in question. The information that can be uncovered by a professional private investigator can determine the future of the child or children involved.

There are many more child custody situations in which the services of a private investigator is much needed. It is only natural to want the best for your child or children. If you need answers, want peace of mind, need surveillance services, or looking for a private investigator to gather data that can support your case, contact us at Haywood Hunt. Our range of services for individuals and families go beyond uncovering cheating. Child custody investigation is one of our specialties!

 

What is OSINT and How You Can Use It to Safeguard Yourself

OSINT or Open-source intelligence is data collected from sources that are publicly available and used in an intelligence context. The term “open” is understood in the intelligence community as publicly available or overt sources and is not the same as public intelligence nor open-source software. Now that we’ve defined it, what can you gain from understanding what is OSINT and how to use it?

Understanding Open Source Intelligence (OSINT)

Just as you can look up publicly available information about yourself, anyone else can do it too. How do you know that someone who’s holding a grudge against you is not looking up details about you right now? Do you know what sort of information someone can gather about you online? Are you aware that the same information can be used against you, your loved ones, your business, and your career?

OSINT has been around for hundreds of years and is not solely a product of modern times. It is concerning though that the rapid information transfer and instant communication that we have now makes it a lot easier to gather information from unclassified or public sources. Because it concerns data that is publicly available, anyone can conduct some assessment of himself or herself with the use of some OSINT just as strangers can access the same.

How Safe Are You for Real?

Ask yourself, what information is available about you online and offline that can pose a threat to yourself? Note that any data that can be found about you as a business person and as a private person can be used a myriad of ways. For example, simply posting a status update on social media that you’ll be going on a vacation for a few weeks will let people know that your home will likely be empty. If you’ve posted your address anywhere or had it posted somewhere by someone else (such as for a party in the past), then that can inform bad people that your home will be sitting empty without you for a few weeks.

It is not just strangers you have to be wary about. You simply can’t know whether someone you know is stalking you online or tracking where you’ll be. By posting you’ll be away and posting where you are going, you are informing these people that your home is basically open for the taking or leaving them free to follow where you’re headed, really a huge problem if you have a stalker or if you’re somewhat well-known.

Threats can come in other forms too. Posting a selfie of yourself with your computer in the background can inform bad people what system you use, what antivirus you have, and so on. Although a selfie photo seems harmless, note that a lot of personal information about you can be gathered just by looking at the background. If your selfie is really clear, people can even zoom in and see what papers you have on your desk or what email may be on your screen! This information can be used to attack you, maybe hack your computer, and so on.

Keeping Yourself Safe with OSINT

You don’t have to be someone famous for OSINT to be used against you. If you’d like to be more OSINT alert or if you need help finding out what private information about you is publicly available so that you can take better precautions, simply contact us and avail of our private investigation services. Our cybersecurity know-how and private eye expertise can provide invaluable assistance in keeping you and your family safe.

 

Reliable Ways to Know If Someone Is Lying

It can be very damaging to suspect that someone is lying but knowing how to identify logical suspicions from those which may not have real basis can be very freeing. It is no secret that everyone is capable of lying and in some instances, lying can cause no harm, however in business and in some facets of personal interactions, knowing how to spot a lie is definitely an asset. Below are some tells that you can use to know if someone is lying.

Overuse of Qualifying Language

Persons who are lying often want to remind others that there is no way they could be lying. This goes with them using phrases like “in absolute honesty…”, “I swear on ___”, and so on. They work so hard to emphasize that they’re telling the truth to cover up their lies.

Too Consistent Stories

Contrary to popular belief, a person who is telling the truth may tell slightly varying stories because when someone retells a story, doing so is actually a recounting of the last time the story was told. Having no changes at all may mean that the story is a rehearsed version of the truth. Nothing more than a fabrication.

Emphasized Nos

When someone places an emphasis on the word no, either by changing expression, tone, or body language when saying it, it is a tell that they are lying because their body knows they are not telling the truth and thus acts out. Examples are closing eyes or slowly blinking while saying no, saying no with hesitation, or saying no in a prolonged manner.

Suspicious Expressions

Someone who is lying may act in a way that is contrary to the way they usually do. Example is a person who is usually soft spoken but now suddenly tells a story with a loud voice and lots of arm movements. Other signs are fake smiles, blinking too much, blushing, or flushing. Remember though that these are just possible indicators and do not guarantee that someone is lying.

Repeating Your Question

This could be an attempt to stall, to fake a response, or a play to make it seem like the person wants to give a sincere response. Though this can just be because someone didn’t hear the question correctly, repeated use can help you identify a liar.

Wanting to Put an End to Everything

Lying is psychologically, physically, emotionally, and mentally taxing so a person who is lying will understandably not want to have to lie again by forcing the conversation to end as soon as possible. An abrupt change of subject or refusing to address some things are also under this.

Too Many Superlatives

Liars often insist on peppering their speech with unnecessary words to distract you, make their argument seem more valid, or to shut you down.

Incongruent Emotions

Someone who is sad shouldn’t be smiling when talking and someone who’ve just heard about a terrible news wouldn’t be cracking jokes about it. Inconsistencies with speech and emotion is a huge clue that someone may be lying.

Still not very good at spotting a lie? You may need help from expert private investigators! Contact us today and we’ll let you know how our private investigation services may be of help to you.

Modern Signs Your Partner Might be Cheating

It may be difficult to find out whether one’s partner is cheating or not these days. People work and interact daily as needed in their jobs or just getting on in life. How do you know if your partner is just a bit too friendly or if there is indeed something to worry about? Below are some modern cheating signs to look out for.

Noticeable Changes in the Car

Belongings that shouldn’t be in the car (like blankets, someone else’s hair ties or other personal items) may be a sign that someone else is using the car besides you and your partner. Extra mileage may also mean more trips or stops to places that are not in your usual route.

Sudden Protectiveness Over Phone or Computer

Some people are just more private but if this something new for your partner, then this is a red flag. Cheaters can also become adept in technology quite quickly and it doesn’t help that some apps are designed to make cheating easier (such as those that create hidden folders in a phone). There are apps that offer encrypted messaging, apps that automatically delete messages, and more. Secretiveness and new apps can mean your partner is up to something.

Changes in Habits, Interests, and Vocabulary

A new taste in music, new manner of speaking, and a sudden interest in new hobbies may be signs that your significant other is getting influenced by spending a lot of time with someone else.

Unexplained Money Movement

Expenses coming out of the blue such as lots of unexplained cash withdrawals, new bank accounts or credit cards, gas fill-ups in unfamiliar neighbourhoods, and working longer hours can all mean that your partner may be having an affair.

Differences in Your Relationship

If the connection and communication you have with your partner is no longer how it used to be, like you touch less often, don’t talk to each other as much, or don’t spend time together like you used to, then there might be problems indeed. Although it is normal for these changes to occur in the course of the relationship, marked decreases is a red flag.

Makeover Madness

Wanting to improve one’s self is not always an indicator of cheating but if your partner is spending a lot of money on new clothes, gym memberships, and self-improvement yet not wanting to spend time or be seen with you, then your partner may be doing it for someone else.

Shutting You Down Digitally

Cheaters often disconnect with their partners in terms of intimacy and communications but in modern times, they also ghost or shut down their partners digitally. If you are no longer getting updates from partner’s profile or he or she posts less often, it could be that you’ve been listed under those with limited access in his or her’s privacy settings.

All of the above signs of cheating should be taken with a grain of salt. Trust your instincts and how you feel. If you think that you may have a reason to suspect, hiring a private investigator to get answers is not a bad idea. You can’t buy happiness but you can pay for peace of mind. Contact us at Haywood Hunt and avail of our personal investigation services to find out the truth whether your partner is cheating or not.