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| In the beginning, not many took notice of her stories, so they mocked her. |
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| As the picture became a bit clearer, her stories starting taking an effect on the corrupt government, so they intimidated and vilified her. |
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| When the picture became crystal clear, they feared her as they could not stop her; that's when they decided that something had to be done. |
DAPHNE WAS RIGHT
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| JM Devouring the Soul of Malta by COSIMO |
Our sources are saying that Malta is rife with rumours that a snap election will be called by the Labour Party before Christmas. As grounds to support that theory, on the 6th of January, the trial by jury of the botched 2010 HSBC head office heist will commence. CHRIS CARDONA and CARMELO ABELA's involvement will most certainly be brought out by the defence attorneys in the case, and the anticipated adverse publicity could cost the ruling Labour Party the election.
Cardona has been residing in Dubai for some time, where he has set up an office, though he reportedly is not admitted to the practice of law in the UAE. Whether Abela will be arrested as the consequence of the HSBC trial testimony has been the subject of discussion in recent months.
November would be the last available month, before the Christmas holiday season interferes with any possible election, and that is the month most often mentioned. Will Abela leave Malta before the HSBC trial ? We cannot say, but we will be watching.
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| Rosianne, in her Wisdom, decides to tackle Europe, America & the Whole World by COSIMO |
If you've been reading the articles about the purported lead that the Labour Party has over the Nationalist Party, remember this:
(1) Saviour Balzon, the part owner of Malta Today, where the poll first appeared, has been exposed as the recipient of €1m from PL, over the part five years. Do you really think that the newspaper will endanger that relationship by printing any articles critical of labor ? Get real.
(2) The poll admits that 25% of those contacted declined to supply information. That is because the interviewer know the names of those that he calls, and any voter who admits to voting for PN will most certainly find himself or herself the victim of Pl retribution. So, rather than lie, the respondents do not supply any information.
(3) It's obviously a much higher figure of non-responders, more like at least 33%, which is one-third plus. Given that 92% of eligible Maltese voters show up to cast their ballots, Pl is NOT a shoe-in for the next election.
(4) PL, through its flawed pollsters, is trying to throw off support for the PN, because once the big scandals get exposed, there will be massive momentum against PL. They are attempting to create a deficit of support before this happens. Included, but not limited to the scandals, is the exact location and amount of kickbacks transferred to JM and his allies.
Please, disregard those doom-and-gloom predictions about how PN is completely out of the running in the next election. Those statements are designed to make PN voters consider not voting at all, as an apparent futile gesture. Don't you believe it; the next election results will surprise you.
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| Rosianne summons her colleagues to follow her by COSIMO |
If you attended my lecture this morning in Geneva, at the 35th Annual TRANSCONTINENTAL TRUSTS 2021, and wish the materials that were mentioned, kindly email me at : miamicompliance@gmail.com.
If you wish to hear the Kenneth Rijock Podcast on GAME OF CRIMES, you may access it at: https://gameofcrimespodcast.com/
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| A gathering of Champagne Socialists by COSIMO |
Note to Readers: All statements cited as being made by Maria Efimova are verbatim quotes; they have not been edited or modified in any way.
As Maltese law enforcement officials again promote bogus perjury charges against Maria Efimova, the whistleblower herself has a few punches, and they are landing hard upon their intended targets. The subject again came up during a court enquiry into Egrant, as the police charged former FIAU inspector Jonathan Ferris with Perjury. Police Inspector Matthew Vella testified that Ms. Efimova should be investigated for the same crime.
(1) Ms. Efimova declined to produce her Egrant expert's report, and accompanying documents, to the Greek court recently, but the opportunity did not arise, as the case was postponed to early 2022. "The evidence is there. I was ready to hand it to the judge here in Greece, to help my husband's case hearing. However the hearing was adjourned. We trust that those readers of this blog who accused us of fabricating her intent to produce her evidence now understand that Maria fully intended to do so, but the postponement of the hearing made this impossible. She states that her counsel will verify this.
(2) Regarding the article discussing the possibility of yet another perjury investigations: "In regard to the LovinMalta story, I would like to say that Malta should stop inventing accusations against me. I expect a whistleblower status instead." Was this return to her perjury charge yet another effort by Joseph Muscat, in the shadows, to divert attention from his wife Michelle, and her obvious ownership of Egrant ?
(3) She has again showed her cards to PM Robert Abela, who is clearly afraid to designated her as a protected whistleblower, as her testimony and evidence will incriminate MM: "I want to add that, according to the VERIFIED EVIDENCE I have in hand, EGRANT belonged (since it is now dissolved) to MS. MICHELLE MUSCAT, nee Tanti, born on 16/05/1974, in Rabat."
The whistleblower has, once again, spoken. Do we have to wait for a Prime Minister from the Nationalist Party to finally grant Ms. Efimova the whistleblower status that she has so richly earned, to see the evidence ?
The Prime Minister of the Commonwealth of Dominica is in Pakistan, to mark the opening of a Pakistani medical school in Dominica. Add to this the opening of a CBI consultancy in Pakistan, which will facilitate the sale of Dominica passports and citizenship to Pakistanis, the Taliban, and any global terrorists that decide they need a passport that offers visa-free EU entry, and you have a perfect storm for disaster for the nations of North America and Europe. A clear and present danger now exists, but it is not being responded to.
Why is the United States pointedly ignoring Dominica, which has become a center of Communist Chinese influence. Now, adding the distinct possibility of terrorists, armed with Dominica passports, coming to the Caribbean, and the new nonstop American Airlines flights from Dominica to the US, and the risk of terrorism within the American homeland has increased exponentially. What's wrong with this picture ?
I don't know who is in command at the US State Department, at the Caribbean Desk, but they are certanly asleep at the switch. Do we want Taliban agents in the Caribbean, Chinese warships plying Caribbean waters, and God know what other real nightmares Dominica has in store for us ? I doubt it. Someone at State needs to wake up.
Most American are not aware of this, but military officers from East Caribbean states are being trained at Chinese military academies; China has supplied Dominica's paramilitary police with weapons and armored cars. When Cuba threatened to overwhelm grenada, the US stepped in with an invasion, but now American is seen as a toothless paper tiger in the Caribbean. What will happen now?
A number of articles* have appeared on this blog, containing information supplied by homeowners who assert that they have been the victims of illegal mortgage foreclosure actions, brought by FAY SERVICING LLC, a mortgage servicer for certain prominent American financial institutions. Now, in a professional negligence action brought by on behalf of one of Fay's clients,, we have the rare opportunity to peek inside its operations, to further understand why its lawyers allegedly play fast and loose with the truth, and violate the Canons of Professional Ethics, while artfully divesting the victims of their homes, and how they take their properties while deceiving them about the status of their cases.
The malpractice action, captioned NRZ PASS-THROUGH TRUST X et al vs. JAMES E. ALBERTELLI, P.A. d/b/a ALBERTELLI LAW, Case No.: 2020-CA-006724-MA ( Cir. Ct. Duval Co. Fla.), alleges that the defendant law firm, a foreclosure agent for Fay, was professionally negligent in a case involving real estate in which Fay's client, Bank of America, held an interest to real property. While all the facts are not alleged in the pleadings, it appears that a condominium association successfully prevailed over Fay's bank client. Legal Malpractice is alleged to have occurred.
The docket note that a Motion to Dismiss has been filed in the action, together with a Motion to Strike the demand for Attorney's Fees. Additionally, a Motion for a More Definite Statement has also been filed. The Florida Rules of Civil Procedure allow such a motion when the Compliant is so vague and ambiguous that the party responding cannot reasonably prepare a response. Fla. R. Civ. P. 1.140 . The Court has not yet ruled on these ending motions; the case is presently in the Discovery phase.
The action also contains a Breach of Contract count, and a Legal Services Agreement between Fay Servicing and the Albertelli law firm is attached as an exhibit. It appears to be the form contract Fay uses to retain foreclosure counsel. This agreement puts all its lawyers on a tight leash, involving restrictions on billing, including a provision that a maximum of two bills for legal services in an uncontested matter are permitted. Many of the victims have alleged that some of the foreclosure lawyers retained by Fay misled borrowers into believing that a refinancing of their past-due debt was in progress, causing them to not defend their foreclosure. The victims also alleged that Fay attorneys misrepresented to a number of courts that a request for a modification of mortgages in default had not been submitted, or any other settlement, notwithstanding that the homeowners had a good faith belief that their cases were not proceeding through the foreclosure process to a final judgment. The were deceived, they allege.
If the lawyers retained by Fay Servicing have a well-founded fear of imminent malpractice actions against them, notwithstanding that it is impossible to predict how a judge or jury will rule, it may explain, though not excuse, their sharp tactics. Apparently, Fay Servicing is only interested in a successful outcome, irrespective of the methods used, or it goes after its own lawyers when things don't go their way in court. Both the attorneys and their client come up short when it comes to ethics.
Meanwhile, the reportedly illegal, improper and unethical actions of Fay Servicing, and its lawyers, continue to be ignored by US Attorney General Merrick Garland, the Department of Justice, the Consumer Financial Protection Bureau, and the various state attorneys general, especially in the State of California, where Fay continues to exploit the lucrative housing market, making America's Senior citizens homeless. These law enforcement agencies are doing nothing to enforce the laws protecting our Seniors from this predatory mortgage servicing firm.
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*Victims allege that Fay Servicing Attorneys made Material Misstatements of Fact ( this article has links to several additional articles from this blog concerning Fay Servicing).
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| "It's my Turn,". by COSIMO |
Malta's Labour Party's seven years of corruption have ruined all the preceding generations of progress in Malta. Whether you know it as The Party of Black Monday, The Party of the Cult of Personality, or the Party of "Champagne Socialists," Malta today sits in a very, very bad place, because of Labour's misrule. Sanctioned by the Financial Action Task Force, rated high risk by the United Kingdom and the Basle Institute of Governance, it sits literally on the edge of FinCEN and OFAC designations, either of which could throw the country into a deep economic depression.
Its law enforcement, prosecuting and regulatory agencies, corrupt to the core, have allowed senior Labour officials to commit money laundering and accept bribes and kickbacks with impunity. It has been estimated that over €300m have been accumulated by ministers who are senior Labour Party officials. Its Citizenship by Investment (IIM) Programme, which gave visa-free EU entry to transnational criminals, corrupt Politically Exposed Persons, is under legal attack from the European Union, which declares it to be inconsistent with European values. The Rule of Law does not exist, and there is no justice.
The country has degenerated into a Mafia State, where the Labour leadership seeks, and obtains, absolute loyalty from its base, and where they operate a racketeering enterprise that receives financial benefits from dozens of organized crime crews. Their loyal Party members are placed in lucrative government jobs; others receive consulting contracts; all of this places Malta in serious debt far in excess of tax revenues.
Unless the United States, the United Kingdom, or the Government of Italy intercedes, and brings criminal charges against the career criminals who currently occupy Castille, the nightmare will continue. The House of Cards will not fall without outside intervention.
The Pope should not just postpone his trip; he should cancel it, for there's just too much pure evil afoot in Malta. The Sinners far outnumber the Honest People.
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| "Oops" by COSIMO |
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| MM tells Malta's poor "Let them eat cake." by COSIMO |
Italy's law enforcement agencies have expanded their criminal investigations of illegal activities in the Republic of Malta, according to a reliable source. They also advised the Vatican that the present might not be a good time for the Pope to visit the country, and it is believed that their recommendations factored into the Pontiff's decision to postpone his trip for a few months. While there may have been other factors involved, this aspect of the reason for the decision could signal a new Italian interest in Malta's affairs as they impact crime in Italy.
It is regrettable that the Pope's visit will be delayed, for the people of Malta could use a positive influence right about know, in the aftermath of the FATF Greylisting, and other actions, by the UK and the Basle Institute, against Malta. Malta certainly needs some good news as a morale booster.
We have been wondering of late how the United States learned that one of its major fugitives, the Italian-American, Frank Rafaraci, was en route to Malta. Rafaraci, who is a dual national, US-Italy, is a resident of Dubai, but is also known to spend a substantial amount of time in Sicily. Given our new information about increased Italian interest in crime in Malta,we believe that it was the Italian government that tipped off the Americans that their fugitive was in transit, and soon to arrive in Malta. Italy, as a rule does NOT extradite its citizens, but if they are present abroad, that's another issue entirely.
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| "When everyone around you is a Bad Clown, you've gotta do a lot to Stand Out by COSIMO |
if you are new to this blog, and want to see more of COSIMO's outstanding work, which regularly accompanies our Malta articles, go to Google Images (images.google.com) and type in " Cosimo Malta" to see a large number of the drawings and sketches that have already appeared here. Many a Maltese sinner has been depicted, warts and all, unplugged, to make a point, whether it is about corruption, financial crime or one of the other Deadly Sins. We hope that you get the message loud and clear.
He's not showing any signs of slowing down in these troubled times, so expect to continue see a lot more COSIMO here on a regular basis.
BRAVO COSIMO !
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| JM Out of Synch with Himself by COSIMO |
A Federal Magistrate has entered an Order Directing Discovery, in the second case filed on behalf of the beneficial owner of Malta's Pilatus Bank (Alpene Limited), against businesswoman Elizabeth McCaul, regarding a dispute with the Republic of Malta over the revocation of the bank's license by the European Central Bank. The first Discovery case, filed in US District Court in New Hampshire. against the Competent Person, who was supervising the bank's winding down, was dismissed for failure to comply with specific Federal statutory requirements. We have been critical of that case on this blog, because it was filed by a Miami attorney, with local counsel, and sought to move the case forward after the time for service of process had expired, and dismissal had already occurred.
This second case has been unopposed to date, but there may be issues regarding Service of Process. The order was entered on September 20, 2021, as well as a Motion to Compel. We are closely monitoring this case, and shall update our readers on all developments as they occur.
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| Docket Sheet (partial) |
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| Where's Michelle's Pilatus Account ? by COSIMO |
This week's announcement by the Bank of Valletta, that its depositors will be losing their Mastercard brand credit cards, but will have the ability to acquire VISA cards, may not have been entirely truthful. I have had personal experience with Mastercard management in high-risk jurisdictions, and the company is known to be properly, risk-adverse when it comes to such situations. Was this really Mastercard's decision to close out BOV customers use of their product, and the information released was merely a public relations spin ?
While we are on the subject, it is known that America's Financial Crimes Enforcement Network, more commonly known as FinCEN, is investigating Malta's financial structure; FinCEN could issue an Advisory on BOV, which would most likely drive customers out of the bank in droves to its competitors. It could also send its evidence and recommendations to its sister agency, OFAC, the Office of Foreign Assets Control, whose powerful ability to impose sanctions upon the bank, which would cut off the banks from the American financial system altogether, would amount to a death sentence.
While financial observers might claim that the bank is "Too Big to Fail," its abysmal track record on Anti-money Laundering, and its repeated failure to address all AML/CFT issues since they were exposed in 2015, when coupled with the inability of the European Central Bank (ECB) to enforce its laws and regulations, may justify sanctions. While it was never publicly released the ECB's confidential report on BOV is said to be scathing, roasts management and officers as corrupt and incompetent,and demands AML reform. You can believe that FinCEN has that report in hand, which cites offshore gambling, ship registration, and listing Citizenship by investment passport holder clients as "Maltese," to justify their low-risk status, among the bank's many shortcomings and deficiencies. As a former compliance officer, the bank's facilitation of Pilatus Bank's massive money laundering is sufficient grounds to justify sanctions.
As an alternative to American sanctions, which we assume will be fatal to its global operations, we should also mention that returning the bank's ownership to its original National Bank of Malta shareholders, is also a solution. One of Malta's greatest continuing injustices was the nationalization of the bank, under bogus grounds, by the radical Socialist Prime Minister Dom Mintoff, under whose autocratic rule the country existed as a dictatorship, bent on reducing the influence of oldline Maltese families, who owned most of the bank. Some legal authorities have labeled Mintoff's act of nationalization as an illegal Crime Against the State; European historians may agree that it was a gross injustice based upon Mintoff's Anti-Colonialism.
For decades, Malta's corrupt courts have delayed dispensing any justice to these original NBM owners, a fact that has not escaped the notice of the other members of the European Union. Perhaps returning BOV to its rightful owners, obviously through a method outside the Maltese courts, so that capable operators can manage the bank's affairs, rather than the present officials, who, according to the ECB, deserve a grade of "F" in Anti-money Laundering and Countering the Financing of Terrorism.
In any event, something's got to be done. Will it be the painful imposition of sanctions, or some other solution ?
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| "I could clearly see the American arrest warrant was defective." by COSIMO |
The decision, by a Maltese magistrate, to decline to hold a major American fugitive on an arrest warrant issued by the United States, is probably just one more instance of official corruption in Malta's court system, where the Rule of Law is seldom followed, and dark and powerful criminal forces, hidden from public view, often pull strings to free the guilty, and deny justice to the victims.
The defendant, Frank Salvatore Rafaraci is an Italian-American who holds dual citizenship with the US and Italy and divides his time between Dubai and Sicily. We have previously detailed the criminal charges pending against him in the District of Columbia*. We now learn that Rafaraci's port servicing company, Multinational Logistics services (MLS), was headquartered in Malta. Perhaps there's more to this case than meets the eye, in a country fatally infected with systemic corruption.
Considering the size of the US Government contracts MLS performed, overcharging, padding costs, and committing fraud estimated to be at least $50m, substantial criminal proceeds transited corporate bank accounts in Malta, en route to Dubai, which has no extradition treaty with the United States. Given the amount passing through Maltese bank accounts, and the likely criminal profits derived by powerful local businessmen with influence in both government and the judiciary, the decision to free Rafaraci on grounds not supported by Maltese law, reeks of corruption at the highest level.
We also note that Rafaraci allegedly paid $20,00, in cash, to a US Navy official, by handing him an envelope containing a bribe, in Miami, as well as paying another substantial cash bribe in Manama.
Which Maltese banks serviced MLS, and which local services firm handled his corporate matters ? It might be interesting to see whether any sitting ministers are linked to Rafaraci's business interests.
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*Malta frees wanted Major American Fugitive
