Attorney General Madigan released the following statement: «For too long, student loan borrowers have been put into more difficult and more expensive repayment plans because
of fraudulent practices by student loan companies.
Not exact matches
Before any
of you doth protest too much about this conclusion, let me explain the rationale for my inclusion
of diversification strategy among the other much better known systemically
fraudulent practices regularly engaged in
by big commercial brokerage firms and banks.
Her careful approach, fortified with a keen awareness
of just how difficult it can be to distinguish physical needs from vaguer but no less powerful emotional ones, also eschews the
fraudulent claims and dangerous
practices perpetuated
by the «five - day miracle plan» style
of American dieting.
These powerful companies spend billions to ensure you will be buying their products
by using dishonest business
practices, rigged clinical studies showing their products in a favorable light, public relations campaigns (like the
fraudulent Breast Cancer Awareness Month — started
by the manufacturer
of mammogram machines), articles from paid «experts» on the internet and news clips to make you believe their products are healthy and safe, and lobbying Washington to enact laws ensuring you don't have healthy alternatives to their products.
Prohibited acts.A credit services organization, a salesperson, agent, or representative
of a credit services organization, or an independent contractor who sells or attempts to sell the services
of a credit services organization shall not: (1) Charge a buyer or receive from a buyer money or other valuable consideration before completing performance
of all services, other than those described in subdivision (2)
of this section, which the credit services organization has agreed to perform for the buyer unless the credit services organization has obtained a surety bond or established and maintained a surety account as provided in section 45 - 805; (2) Charge a buyer or receive from a buyer money or other valuable consideration for obtaining or attempting to obtain an extension
of credit that the credit services organization has agreed to obtain for the buyer before the extension
of credit is obtained; (3) Charge a buyer or receive from a buyer money or other valuable consideration solely for referral
of the buyer to a retail seller who will or may extend credit to the buyer if the credit that is or will be extended to the buyer is substantially the same as that available to the general public; (4) Make or use a false or misleading representation in the offer or sale
of the services
of a credit services organization, including (a) guaranteeing to erase bad credit or words to that effect unless the representation clearly discloses that this can be done only if the credit history is inaccurate or obsolete and (b) guaranteeing an extension
of credit regardless
of the person's previous credit problem or credit history unless the representation clearly discloses the eligibility requirements for obtaining an extension
of credit; (5) Engage, directly or indirectly, in a
fraudulent or deceptive act,
practice, or course
of business in connection with the offer or sale
of the services
of a credit services organization; (6) Make or advise a buyer to make a statement with respect to a buyer's credit worthiness, credit standing, or credit capacity that is false or misleading or that should be known
by the exercise
of reasonable care to be false or misleading to a consumer reporting agency or to a person who has extended credit to a buyer or to whom a buyer is applying for an extension
of credit; or (7) Advertise or cause to be advertised, in any manner whatsoever, the services
of a credit services organization without filing a registration statement with the Secretary
of State under section 45 - 806 unless otherwise provided
by the Credit Services Organization Act.
Remember — these extra steps may be frustrating but this level
of security are in place to protect all
of us from
fraudulent practices by criminals.
The Trump University brand merely borrowed from other for - profit colleges, following alleged
fraudulent practices pioneered
by the likes
of ITT Tech, Corinthian Colleges, and others.
«GAO found the experiences
of its fictitious consumers to be consistent with widespread complaints and charges made
by federal and state investigators on behalf
of real consumers against debt settlement companies engaged in
fraudulent, abusive, or deceptive
practices,» the report concluded.
I don't completely trust Yelp's algorithm for finding
fraudulent reviews, nor do I take every word written
by users as gospel, but the website is one
of the only sources for reviews
of veterinary
practices in my area.
The Board has also ignored my request to deny approval
of Continuing Education credit for seminars on Vaccination
of Companion Animals provided
by Pfizer Animal Health drug company which are
fraudulent by omission
of material facts, a conflict
of interest, and thereby influence Veterinarians to continue deceptive trade
practice in the marketing
of vaccines.
Having read some
of Mr Keenan's investigations and his postulations on aspects
of climate science, I would suggest he is an astute detective who has exposed
fraudulent scientific
practices by a few climate scientists.
EIA's report shows that the submission
of fraudulent declarations is a common
practice by traders.
However, real estate claims based on the registration
of fraudulent instruments under the Land Titles Act where the claim would otherwise be excluded from coverage due to the dishonesty
of the insured lawyer — the risk targeted
by the Real Estate
Practice Coverage Option (REPCO)-- have turned out to be rare.
When marital property is in the hands
of third parties, either
by fraudulent conveyance, dissipation, or because a distinct entity such as a trust or corporation is owned
by the parties, the best
practice is to join the third party as a party to the divorce suit.
Fraud is a deception deliberately
practiced in order to secure unfair or unlawful gain (adjectival form
fraudulent; to defraud is the verb, and the Badges
of Fraud are used
by the court s as rough gauge as to whether Fraud exists in the situation or not..
His company, National Healthcare Analysis Group, analyzes reams
of Medicare data released
by the government and finds the inconsistencies among Medicare providers — inconsistencies that may indicate
fraudulent billing
practices.
Aaron uses his background and experience with complex litigation to litigate on behalf
of groups
of people who were harmed
by unlawful, unfair or
fraudulent business
practices:
We should limit the concept
of unauthorized
practice by establishing a common - sense, brightline test that equates it to
fraudulent practice — that is, saying you're a lawyer when you're not... Consumers understand this, and so should the profession.»
A judgment was issued in which the judge noted that there was potential for fourteen types
of fraud connected with postal voting and that these were utilized in the Birmingham Council elections where there was systematic large - scale rigging
of postal votes to which the police had only marginally responded, despite being forewarned
by some
of the candidates that the election was going to be subject to
fraudulent practices.
In addition, the Illinois county is accusing Facebook
of not protecting user data and not preventing Cambridge Analytica from committing
fraudulent behavior, despite knowledge
of the
practice by the social media giant.
Main goal
of regulators is to create long - term stability afforded
by common policies and elimination
of fraudulent actions and
practices.
by Tommy Swanson - Medical billing experts estimate that the US Government loses 30 cents
of every dollar earned from
fraudulent practices and medical...
To collect, compile verify and analyze supporting documents
of financial statements and identify
fraudulent practices by working as a financial fraud investigator for a big corporation.
Reich was subsequently imprisoned for breaching an injunction preventing
fraudulent practices involving treatment
by means
of an «orgone box».
287 DOS 98 Matter
of DOS v. Uqdah Realty & Management Corp. — deposits; jurisdiction;
fraudulent practices; failure to pay judgment; vicarious liability; notary public; disclosure
of agency relationship; broker violated 19 NYCRR 175.1 when he deposited escrow funds into his operating account; broker committed conversion when his operating account fell below deposit amount; broker engaged in
fraudulent practices when he illegally retained buyer's trust funds and attempted to qualify prospective buyer for mortgage
by falsely stating their employment; broker failed to disclose his agency relationship to his client; failure to pay judgment; corporate real estate broker vicariously liable and charged with actual knowledge
of violation
of law because
of representative broker's cognizant misconduct as corporate officer; broker is not required to deposit a refundable commission in an escrow account unless contractually demanded; corporate broker and representative broker's license revoked; restitution
of deposit
of $ 12,000 plus interest; notary public commission revoked based on misconduct as a real estate licensee
214 DOS 97 Matter
of DOS v. Laymon - accounting to client; bad check; deposits; failure to pay judgments; proper business
practices; jurisdiction; DOS retains jurisdiction after expiration
of license (for failure to pay renewal fee) where acts occurred during licensure; violation
of 19 NYCRR 175.1
by depositing clients» funds into operating account and failing to maintain special bank account; violation
of 19 NYCRR 175.2 for failing to account to client; broker engaged in
fraudulent practices by accepting monies he was required to retain in escrow, depositing said monies into his operating account, failing to return same to its rightful owner and
by purporting to make refunds
by issuing bad checks; in light
of broker's financial inability to do so, failure to promptly satisfy judgments was not a demonstration
of untrustworthiness; there was no violation
of 19 NYCRR 175.3 (b) where broker was not managing rental properties; real estate broker's license revoked; reapplication for broker's license conditioned upon proof
of payment
of restitution with interest and proof
of satisfaction
of judgment with interest
730 DOS 02 DOS v. New World Realty
of New York, Inc. — availing
of license; deposits; disclosure
of agency relationships; duty to supervise sales associates; failure to pay judgment; proper business
practices; DOS has jurisdiction where disciplinary action was started while individual was licensed as an associate broker and was eligible to automatically renew at the time
of the disciplinary hearing; salesperson owned voting stock in licensed corporate real estate broker, failed to pay judgment and failed to present evidence
of inability to do so, and engaged in unlicensed activity after license expired; representative broker availed corporate real estate brokers license to salesperson; representative broker failed to properly supervise salesperson
by permitting and authorizing salesperson to act as a real estate broker; broker and salesperson failed to make agency disclosures and failed to deposit funds
of principal in a special bank account; real estate transaction conducted was a
fraudulent business
practice; DOS fails to prove the unauthorized
practice of law; salesperson's license revoked and salesperson ordered to pay refund
of $ 1,406.00
of illegal commission collected; representative broker's license revoked and broker ordered to refund $ 74.00
of illegal commission collected; representative broker fined $ 5,000.00
107 DOS 98 Matter
of DOS v. Sosis - subject matter jurisdiction; due process; failure to appear at hearing; proper business
practices; deposits;
fraudulent practice; DOS fails its burden
of proof; DOS has subject matter jurisdiction if at the time the disciplinary proceeding was commenced
by proper service
of a notice
of hearing and complaint the party was (i) licensed to engage in regulated real estate activities, or (ii) an applicant for either a license or for the renewal
of a license to engage in regulated real estate activities, or (iii) eligible to automatically renew the prior license under the two - year limitation provision
of RPL § 441 (2); ex parte hearing is permissible upon proof
of proper notice
of hearing; DOS has subject matter jurisdiction where party was licensed at the time proceeding was commenced and, where at time
of hearing, although not licensed was eligible to automatically apply to renew pursuant to RPL § 441 (2); licensee operated a real estate brokerage business under an unlicensed name; licensee unlawfully retains deposit funds after deposit monies were delivered on the condition that same were to be disbursed only on the principal's consent and approval and said consent and approval was not given; licensee's illegal exercise
of right
of ownership over his principal's funds spawns conversion and constitutes a
fraudulent practice; DOS fails its burden
of proof to establish licensee failed to deposit trust funds in a segregated escrow account, engaged in fraud and changed business location without notice to DOS; restitution ordered in the amount
of $ 1,900 plus interest, fine
of $ 1,000 and any further application for licensure shall not be considered until applicant pays said fine and provides proof
of payment
of restitution
1 DOS 98 Matter
of DOS v. Fiumera - proper business
practices; broker licensed in her individual name violates RPL § 440 - a when not also licensed as an associate broker while working under the name and auspices
of another broker; broker not required to disgorge commission where individually licensed and additional associate broker's license would be issued pro forma upon payment
of licensing fee; broker did not engage in
fraudulent practice when advised homeowner that radon report was acceptable when reasonably acted upon advice given to her
by the party taking the test; broker's offer to pay for remedial work indicates a good faith offer
of settlement; $ 250 fine
122 DOS 98 Matter
of DOS v. Hazor — proper business
practices; sales associate as officer
of company; corporate broker dissolved
by proclamation may only carry on business required for winding up its affairs; engaging in licensed activity and submitting license renewals after dissolution
by proclamation constitutes
fraudulent practices; failure to comply with DOS request to appear and for production
of documents along with failure to comply with subpoena violates RPL § 442 - e (5); licensed salesperson violates RPL § 441 - b (2) when he serves as an officer
of the corporation; brokers and salesperson's licenses revoked
79 DOS 99 Matter
of DOS v. Pagano - disclosure
of agency relationships; failure to appear at hearing; proper business
practices; unauthorized
practice of law; unearned commissions; vicarious liability;
fraudulent practice; jurisdiction; ex parte hearing may proceed upon proof
of proper service; DOS has jurisdiction after expiration
of respondents» licenses as acts
of misconduct occurred and the proceedings were commenced while the respondents were licensed; licensee fails to timely provide seller client with agency disclosure form prior to entering into listing agreement and fails to timely provide agency disclosure form to buyer upon first substantive contact; broker fails to make it clear for which party he is acting; broker violates 19 NYCRR 175.24
by using exclusive right to sell listing agreement without mandatory definitions
of «exclusive right to sell» and «exclusive agency»; broker breaches fiduciary duties to seller clients
by misleading them as to buyer's ability to financially consummate the transaction; broker breaches his fiduciary duty to seller
by referring seller to the attorney who represented the buyers when he knew or should have known such attorney could not properly protect seller's interests; improper for broker to use listing agreements providing for broker to retain one half
of any deposit if forfeited
by buyer as such forfeiture clause could,
by its terms, allow broker to retain part
of the deposit when broker did not earn a commission; broker must conduct business under name as it appears on license; broker engaged in the unauthorized
practice of law in preparing contracts for purchase and sale
of real estate which did not contain a clause making it subject to the approval
of the parties» attorneys and were not a form recommended
by a joint bar / real estate board committee; broker demonstrated untrustworthiness and incompetency in using sales contract which purported to change the terms
of the listing agreement to include a higher commission; broker demonstrated untrustworthiness and incompetency in using contracts
of sale which were unclear, ambiguous, vague and incomplete; broker failed to amend purchase agreement to reflect amendment to increase deposit amount; broker demonstrated untrustworthiness in back - dating purchase agreements; broker demonstrated untrustworthiness in participating in scheme to have seller hold undisclosed second mortgage and to mislead first mortgagee about the purchaser's financial ability to purchase; broker demonstrated untrustworthiness
by claiming unearned commission and filing affidavit
of entitlement for unearned commission; DOS fails to establish
by substantial evidence that respondent acted as undisclosed dual agent; corporate broker bound
by the knowledge acquired
by and is responsible for acts committed
by its licensees within the actual or apparent scope
of their authority; corporate and individual brokers» licenses revoked, no action taken on application for renewal until proof
of payment
of sum
of $ 2,000.00 plus interests for deposits unlawfully retained
189 DOS 99 Matter
of DOS v. Naftal - listing agreements; deposits; unauthorized
practice of law; vicarious liability; amendment
of pleading to conform to the proof; improperly altering listing agreement without the consent or knowledge
of principal to show the potential commission split with buyer's broker to meet MLS requirements; preparing and submitting
fraudulent MLS change notifications purporting to extend and alter listings; deposit
of escrow funds into operating account; preparation
of lease constitutes the unauthorized
practice of law; pleadings may be amended to conform to the proof and encompass a charge not stated in the complaint where the issue has been fully litigated
by the parties and is closely enough related to the stated charges that there is no surprise or prejudice to the respondent; continuing to offer properties for sale after preparation
of forged listing extensions violates 19 NYCRR 175.10; DOS fails to establish violation
of 19 NYCRR 175.12 for failure to provide copy
of listing extension where extension was not authorized
by principal; DOS fails to demonstrate demand for unearned commission where broker may have believed they were entitled to a commission; broker's licenses suspended for one year and thereafter until such time as restitution in the amounts
of $ 5,000.00 and $ 2,055.40 is made