International Living Your Dreams: 2008

Sunday, November 16, 2008

Microbase c/o MicroDecisions Sues Realtors and Appraisers - Florida Realtors Warn Beware of the Brit

Before doing business with MicroDecisions and CEO Peter Liggatt, consider the other 95 lawsuits initiated in Orange County, Florida by MicroDecisions suing many realtors and appraisers for breach of contract when they tried to terminate their service. Learn the questionable and highly disputable modus operandi of MicroDecisions.

Check your county records on Microbase, MicroDecisions, and Peter Liggatt before signing a contract. Exercise due diligence and make no assumptions. Get a full background check and extensive records search.
http://paulfdavis.govrecords.hop.clickbank.net/?tid=YQVZH6LZ
http://paulfdavis.crimecheck.hop.clickbank.net/?tid=YQVZH6LZ

God only knows how many lawsuits Microbase c/o MicroDecisions has initiated across Florida considering the company claims to provide online data for over 40 counties throughout the state of Florida and aspires to provide bulk data for the whole of Florida.

Before doing business with Microbase c/o MicroDecisions it is advisable to do some homework in your respective county and evaluate the number of realtors and appraisers Microbase c/o MicroDecisions has sued there. The typical lawsuit costs realtors and appraisers around $2,000 before bearing the burden of legal fees and courts costs.

It seems signing a 12 month contract with Microbase c/o MicroDecisions can turn into a nightmare if you don’t read the small print on the back, which provides for automatical annual renewals which MicroDecisions c/o Microbase and Peter Liggatt are prepared to sue for to collect if a company fails to cancel according to all their timetables and rigid stipulations.

Sincere cancellation attempts may not keep your company out of court if you fail to read the fine print and adequately prepare for MicroDecisions and Liggatt’s clever contracts, which apparently have proven profitable based on the amount of lawsuits MicroDecisions has filed across Florida's courts.

Questionably unconscionable contracts and deceptive billing practices should be strictly forbidden by the Better Business Bureau, Orange County’s Consumer Fraud Unit, and the Florida Real Estate Commission. Contact these regulatory agencies to file your complaint and protect consumers against fraud and unethical behavior.

Don’t let the litigious Britisher get your buck and laugh all the way to the bank. Consider the many lawsuits MicroDecisions filed against companies formerly doing business with it. Don't make the mistake of many other realtors and property appraisers across Florida.

Should you error and enter into a contract with Microbase c/o MicroDecisions and later need mediation, contact Paul F. Davis to represent you.
RevivingNations@yahoo.com
http://www.PaulFDavis.com

Paul F. Davis is a world-changer who has touched over 50 countries, more than 50 islands, and 6 continents empowering people throughout the earth to live their dreams!

Paul is the author of 14 books and premier life coach building dreams, breaking limitations, and transforming individuals and organizations. Paul is a change master that knows how to play with pain, while elegantly and humorously navigating through transition to ride the waves of change.

- Paul worked at Ground Zero in New York City the first week of 9/11, two stops from Brooklyn Heights where Paul used to live. Paul drove a rental car up to NYC from Orlando, FL as all airports were shut down for national security reasons.

- Paul helped a Muslim young man rebuild his home at the tsunami epicenter in Indonesia and spoke to tribal groups in Wamena who are "naked and not ashamed."

- Paul comforted victims of genocide in Rwanda and Burundi where 1.2 million people were slaughtered.

- Paul spoke to leaders in East Timor during the war for independence before the UN recognized the new nation.

- Paul addressed University students and monks in Myanmar working together to achieve democracy.

- Paul spoke throughout war-torn East Africa journeying deep into the "bush" where villagers have never seen a white man.

- Paul lived in and lectured throughout India and China the two largest populaces on earth.

- Paul journeyed to Pakistan twice since 9/11 to speak to large audiences about peace, non-violence, and reconciliation.

www.PaulFDavis.com

# # #

Paul F. Davis is a world-changer who has touched over 50 countries, more than 50 islands, and 6 continents empowering people throughout the earth to live their dreams!

Paul is the author of 14 books and premier life coach building dreams, breaking limitations, and transforming individuals and organizations. Paul is a change master that knows how to play with pain, while elegantly and humorously navigating through transition to ride the waves of change.

RevivingNations@yahoo.com
http://www.PaulFDavis.com

Wednesday, October 1, 2008

Ladies Best Friend, Women's Dream - Maximum Staying Power and Pleasure, Make Her Beg for More!

Sex secrets ladies love and adore. Ladies best friend and women's dream that makes her joyfully scream. Maximum staying power and pleasure for men to make her beg for more! So powerful you will have to change your phone number.

https://paydotcom.com/r/13140/paulfdavis/20767255/

End Premature Ejaculation and Boost Your Sexual Stamina Starting Tonight!

https://paydotcom.com/r/13140/paulfdavis/20767255/

Regain your masculinity, confidence, and bedroom tranquility. Develop your skills and bodily self-control to be the man of her dreams!

https://paydotcom.com/r/13140/paulfdavis/20767255/

Sex secrets ladies love and adore. Ladies best friend and women's dream that makes her joyfully scream. Maximum staying power and pleasure for men to make her beg for more! So powerful you will have to change your phone number.

Paul F. Davis is a sexpert and love doctor who has empowered men in over 50 countries & 6 continents to drive women crazy with captivating seduction secrets.

Paul is the author of 14 books. Paul has appeared on numerous internationally broadcast radio shows from Oprah & Friends to Fox News Radio. Playboy Radio’s Afternoon Advice host Tiffany Granath calls Paul an "awesome" relational coach and recommends his books on love, dating, and sexuality.

http://www.PaulFDavis.com

RevivingNations@yahoo.com

Currency Trading & Exchange Secrets - Make Millions as Central Banks Devalue Currencies & Integrate

The worldwide financial meltdown across the globe's largest national banks is no surprise for central bank chairmen who are working toward global integration of all currencies.

Learn currency trading and exchange secrets to make millions during the devaluation en route to economic globalization.
https://paydotcom.com/r/73417/paulfdavis/20767083/

Your personalized currency college to empower you to prophetically foresee the future and profit handsomely on the current global financial chaos in the marketplace.

As the dollar spikes on the short-term before the $700 billion bailout on Wall Street, the dollar reaching a temporary record high against the Euro, now is the time to buy Euros when your dollar still has some purchasing power!
http://ads.easy-forex.com/Gateway.aspx?gid=104994

After the initial panacea on Wall Street and Washington concerning the bailout and elections is over, expect the dollar to tank. Therefore buy Euros now while the dollar still carries some weight in global markets.
http://ads.easy-forex.com/Gateway.aspx?gid=104994

If you are a bit cautious and want to know more, learn to trade forex with this complete training course below....a currency college to teach you all the ins and outs of Wall Street and the marketplace.
https://paydotcom.com/r/73417/paulfdavis/20767083/

Paul F. Davis is a world-changer who has touched over 50 countries, more than 50 islands, and 6 continents empowering people throughout the earth to live their dreams!

Paul is the author of 14 books and premier life coach building dreams, breaking limitations, and transforming individuals and organizations. Paul is a change master that knows how to play with pain, while elegantly and humorously navigating through transition to ride the waves of change.

www.PaulFDavis.com

Sunday, September 7, 2008

Dreams of Sex - Pray for Sex

This Saturday morning when I slowly awoke, I just took it easy and layed in the bed for a while. Then when my lovely wife awoke, she told me of a dream.

Ironically, she had just awoken from a dream in which we were having sex. No objections there for me. So, we lived our dreams and let the fireworks begin!

Dreams of sex can be fulfilled and what better way than in a beautiful marital relationship blessed by God. Men if you think God doesn't care about sex, think again. The Creator ordained and created sex for procreation and personal pleasure.

If you feel your needs are going unmet, pray! God truly cares and wants you to be fulfilled in every area of your life!

Paul F Davis - sex therapist, life coach, international speaker, and author

www.PaulFDavis.com
RevivingNations@yahoo.com

Sunday, August 31, 2008

Eustis Real Estate Property Appraiser - high quality appraisals in a timely manner for Eustis

Mid-State Appraisals is Eustis and Lake County's preferred residential real estate property appraiser providing high quality, competent appraisals in a timely manner.

http://www.midstateappraisals.org
midstateappraisals@earthlink.net

Mid-State Appraisals founder Paul F. Davis has outstanding qualifications:
- State Certified Residential Real Estate Appraiser (License RD # 2667)
- Licensed Real Estate Broker (License BK # 161133)
- State Certified Building Contractor (License CBC # 040794)
- Over 20 Years of Professional Service to Eustis and Central Florida
- Unparalleled Knowledge and Outstanding Experience
- Efficient, Attentive, and Committed to Clients Needs

Mid-State Appraisals provides professional services to Lake, Orange, Seminole, Osceola, Sumter, and the Davenport area of Polk County. Midstate Appraisals services are provided by committed professionals, dedicated to quality work, detailed research, and timely completion of assignments.

Expect a speedy, accurate, and no hassle appraisal. All appraisal reports comply with the Uniform Standards of Professional Appraisal Practice (USPAP). Mid-State Appraisals staff has 20 years combined real estate experience of appraising properties in Eustis and Central Florida. They offer competitive fees, service 6 counties, are approved with nearly all major lenders, use the latest in computer technology, provide fast, consistent turnaround time and are licensed and insured by the State of Florida.

http://www.midstateappraisals.org
midstateappraisals@earthlink.net

Paul Davis is a trusted and reputable property appraiser frequently called upon by Eustis and Central Florida's banks, homeowners, and savvy real estate investors to assess property values. A builder for over 20 years and also a real estate broker, Paul Davis brings a wealth of knowledge to the table as an appraiser.

Paul's company Mid-State Appraisals serves Central Florida (Lake, Orange, Seminole, Osceola, Sumter and Davenport in Polk counties).

Contact Paul Davis and Mid-State Appraisals for your next appraisal:
Office: 325-242-9973
Cell: 352-636-6672
Fax: 352-242-4912
midstateappraisals@earthlink.net
http://www.midstateappraisals.org

Eustis real estate property appraiser and specialist providing high quality, competent appraisals in a timely manner. Mid-State Appraisals founder Paul Davis is an appraiser, broker & builder w/ over 20 years professional service in Florida.

Eustis real estate property appraiser providing Eustis high quality, competent appraisals in a timely manner. Mid-State Appraisals founder Paul Davis is an appraiser, broker & builder w/ over 20 years professional service in Eustis, Lake County. Contact Paul Davis and Mid-State Appraisals for your next appraisal: Office: 325-242-9973 Cell: 352-636-6672 Fax: 352-242-4912 midstateappraisals@earthlink.net http://www.midstateappraisals.org

Groveland Real Estate Property Appraiser - high quality appraisals in a timely manner for Groveland

Mid-State Appraisals is Groveland and Lake County's preferred residential real estate property appraiser providing high quality, competent appraisals in a timely manner.

http://www.midstateappraisals.org
midstateappraisals@earthlink.net

Mid-State Appraisals founder Paul F. Davis has outstanding qualifications:
- State Certified Residential Real Estate Appraiser (License RD # 2667)
- Licensed Real Estate Broker (License BK # 161133)
- State Certified Building Contractor (License CBC # 040794)
- Over 20 Years of Professional Service to Groveland and Central Florida
- Unparalleled Knowledge and Outstanding Experience
- Efficient, Attentive, and Committed to Clients Needs

Mid-State Appraisals provides professional services to Lake, Orange, Seminole, Osceola, Sumter, and the Davenport area of Polk County.

Midstate Appraisals services are provided by committed professionals, dedicated to quality work, detailed research, and timely completion of assignments. Expect a speedy, accurate, and no hassle appraisal. All appraisal reports comply with the Uniform Standards of Professional Appraisal Practice (USPAP).

Mid-State Appraisals staff has 20 years combined real estate experience of appraising properties in Groveland and Central Florida. They offer competitive fees, service 6 counties, are approved with nearly all major lenders, use the latest in computer technology, provide fast, consistent turnaround time and are licensed and insured by the State of Florida.

http://www.midstateappraisals.org
midstateappraisals@earthlink.net

Paul Davis is a trusted and reputable property appraiser frequently called upon by Groveland and Central Florida's banks, homeowners, and savvy real estate investors to assess property values. A builder for over 20 years and also a real estate broker, Paul Davis brings a wealth of knowledge to the table as an appraiser.

Paul's company Mid-State Appraisals serves Central Florida (Lake, Orange, Seminole, Osceola, Sumter and Davenport in Polk counties). Contact Paul Davis and Mid-State Appraisals for your next appraisal:

Office: 325-242-9973
Cell: 352-636-6672
Fax: 352-242-4912
midstateappraisals@earthlink.net
http://www.midstateappraisals.org

Groveland real estate property appraiser and specialist providing high quality, competent appraisals in a timely manner. Mid-State Appraisals founder Paul Davis is an appraiser, broker & builder w/ over 20 years professional service in Florida.

Groveland real estate property appraiser providing Groveland high quality, competent appraisals in a timely manner. Mid-State Appraisals founder Paul Davis is an appraiser, broker & builder w/ over 20 years professional service in Groveland, Lake County. Contact Paul Davis and Mid-State Appraisals for your next appraisal: Office: 325-242-9973 Cell: 352-636-6672 Fax: 352-242-4912 midstateappraisals@earthlink.net http://www.midstateappraisals.org

Minneola Real Estate Property Appraiser - high quality appraisals in a timely manner for Minneola

Mid-State Appraisals is Minneola and Lake County's preferred residential real estate property appraiser providing high quality, competent appraisals in a timely manner.

http://www.midstateappraisals.org
midstateappraisals@earthlink.net

Mid-State Appraisals founder Paul F. Davis has outstanding qualifications:
- State Certified Residential Real Estate Appraiser (License RD # 2667)
- Licensed Real Estate Broker (License BK # 161133)
- State Certified Building Contractor (License CBC # 040794)
- Over 20 Years of Professional Service to Minneola and Central Florida
- Unparalleled Knowledge and Outstanding Experience
- Efficient, Attentive, and Committed to Clients Needs

Mid-State Appraisals provides professional services to Lake, Orange, Seminole, Osceola, Sumter, and the Davenport area of Polk County. Midstate Appraisals services are provided by committed professionals, dedicated to quality work, detailed research, and timely completion of assignments.

Expect a speedy, accurate, and no hassle appraisal. All appraisal reports comply with the Uniform Standards of Professional Appraisal Practice (USPAP).

Mid-State Appraisals staff has 20 years combined real estate experience of appraising properties in Minneola and Central Florida. They offer competitive fees, service 6 counties, are approved with nearly all major lenders, use the latest in computer technology, provide fast, consistent turnaround time and are licensed and insured by the State of Florida.

http://www.midstateappraisals.org
midstateappraisals@earthlink.net

Paul Davis is a trusted and reputable property appraiser frequently called upon by Minneola and Central Florida's banks, homeowners, and savvy real estate investors to assess property values. A builder for over 20 years and also a real estate broker, Paul Davis brings a wealth of knowledge to the table as an appraiser.

Paul's company Mid-State Appraisals serves Central Florida (Lake, Orange, Seminole, Osceola, Sumter and Davenport in Polk counties).

Contact Paul Davis and Mid-State Appraisals for your next appraisal:
Office: 325-242-9973 Cell: 352-636-6672 Fax: 352-242-4912 midstateappraisals@earthlink.net
http://www.midstateappraisals.org

Minneola real estate property appraiser and specialist providing high quality, competent appraisals in a timely manner. Mid-State Appraisals founder Paul Davis is an appraiser, broker & builder w/ over 20 years professional service in Florida.

Minneola real estate property appraiser providing Minneola high quality, competent appraisals in a timely manner. Mid-State Appraisals founder Paul Davis is an appraiser, broker & builder w/ over 20 years professional service in Minneola, Lake County. Contact Paul Davis and Mid-State Appraisals for your next appraisal: Office: 325-242-9973 Cell: 352-636-6672 Fax: 352-242-4912 midstateappraisals@earthlink.net http://www.midstateappraisals.org

Hyundai Scam - Universal Hyundai Financing Scam, Consumer Fraud, Deceiving Car Buyers, False Advertising

This morning I saw an ad at Universal Hyundai for 0% down payment and 0% APR for new car purchases. Upon arriving, I got nothing but lies, deceit, manipulation, and the proverbial bait and switch.

Today my wife and I went to Universal Hyundai, 12751 S. Orange Blossom Trail, Orlando, FL 32837 and were shown a lovely 2009 Hyundai Sonata by a charming salesman.

Once we spent several hours test driving the cars we were to choose from and bickering with the salesman as to price, it seemed we were nearly ready to finalize our purchase.

But not until we were thrown a clever financial scam, attempting to defraud, and deceive we the car buyers. Upon coming to an agreement for a purchase price of $15,987, we then noticed how many additional fees - taxes, dealear fees, etc. added up to $18,099.59.

Upon stomaching these exorbitant fees and preparing to finalize the purchase, we agreed to make a $4,000 down payment, leaving us with a balance of $14,099.59 to finance.

The charming salesman first said we would get 6.9% APR on the interest rate. However once our social security numbers and credit report were run, we suddenly were informed our APR would be 9.9% APR. Being a bit willing to go a little further to get this car, we played along.

At this point the salesmen started to back off, going in and out of the inner glassed caged room to talk to the finance guys (most overweight and grumpy), who massaged and manipulated numbers in an attempt to greatly rip us off.

We were originally told by the Hyundai sales rep our monthly payments would be $219 a month if we made a $4,000 down payment. Doing some simple math I calculated the remaining amount owed $14,099.59 multiplied by (1 + .099 interest for the annual APR) equalling $15,495.45 to be divided over 72 month payments at $215.21.

Then the fun began when the lying financiers at Universal Hyundai began their deceptive financing and massaging the numbers to make hefty profits. They said we would have to make monthly payments of $262.95 for 72 months - which I multiplied through totalling a $18,932.40 + $4,000 down payment to arrive at a grand total of $22,932.40 for a car originally priced at $15,987 nearly a $7,000 mark up. The 0% APR and 0 down was a blatant lie, scam, and attempt to defraud.

Interestingly, the so called 9.9% APR promised ($14,099 divided by $15,495.45) in actuality turned out to be 34.276% APR with their new manipulated numbers at $22,932.40.

Don't deal with Universal Hyundai. As I told them in front of all other prospective buyers on the sales showroom, "You guys are crooks!"

Paul F Davis - worldwide minister, consumer advocate, and author

www.PaulFDavis.com
RevivingNations@yahoo.com

Wednesday, August 27, 2008

Japan Adventure - Sushi, Shiatsu Massage, and Sumo Wrestling

Japan is the ideal place in the Orient for your next adventure. Sushi, shiatsu sassage, and sumo wrestling are just a few of the luxuries. The people are fantastic, the culture hospitable, and the food delicious.

As a world traveler who has traveled to over 50 countries, more than 50 islands, and 6 continents I can truly say Japan is a must see indeed.

For those willing to live and work abroad in order to get the full exotic cross-cultural experience, I am for a limited time hand picking professionals and high achievers with a bachelors degree to teach English in the Japanese schools. No teaching experience is required, just a willingness to interact happily and cross-culturally with the people in what I call educational entertainment forums wherein you are the star facilitator from a native English speaking country.

If interested contact me at RevivingNations@yahoo.com (or gmail.com) to ensure spam filters don't spit your letter out....write in the subject "English Teacher for Japan".

www.PaulFDavis.com - Worldwide Motivational Speaker, Life Coach, and Author

Paul F. Davis is a world-changer who has touched over 50 countries, more than 50 islands, and 6 continents empowering people throughout the earth to live their dreams!

Paul is the author of 14 books and premier life coach building dreams, breaking limitations, and transforming individuals and organizations. Paul is a change master that knows how to play with pain, while elegantly and humorously navigating through transition and riding the waves of change.

- Paul worked at Ground Zero in New York City the first week of 9/11, two stops from Brooklyn Heights where Paul used to live. Paul drove a rental car up to NYC from Orlando, FL as all airports were shut down for national security reasons.

- Paul helped a Muslim young man rebuild his home at the tsunami epicenter in Indonesia and spoke to tribal groups in Wamena who are "naked and not ashamed."

- Paul comforted victims of genocide in Rwanda and Burundi where 1.2 million people were slaughtered.

- Paul spoke to leaders in East Timor during the war for independence before the UN recognized the new nation.

- Paul addressed University students and monks in Myanmar working together to achieve democracy.

- Paul spoke throughout war-torn East Africa journeying deep into the "bush" where villagers have never seen a white man.

- Paul lived in and lectured throughout India and China the two largest populaces on earth.

- Paul journeyed to Pakistan twice since 9/11 to speak to large audiences about peace, non-violence, and reconciliation.

www.PaulFDavis.com

Japan Adventure - Sushi, Shiatsu Massage, and Sumo Wrestling

Tuesday, August 26, 2008

Travel Japan and Teach. Dream Job to See the World. Fun Teacher Job, No Teaching Experience Required

Be a Missionary Teacher to Asia Where Two-Thirds of the World Lives and Make a Difference

Traveling the world as a missionary teacher is the most exciting, adventurous, and fulfilling thing you will ever do. My travels thus far have taken me to over 50 countries, more than 50 islands, and 6 continents where I have impacted the world.
http://www.PaulFDavis.com

Now for a limited time I am extending the opportunity to a few special people desirous of living and teaching abroad. The primary requirements are you must have a BA / BS degree from a college / University, be a native English speaker from the US, Canada, Australia, New Zealand, or England and be 25-40 years.

The age requirement is a bit flexible if you are professional, mature, and can conduct yourself well since this is a covert operation. You will be working in public and reputable private schools where you will be highly visible. Hence the position requires professionalism and tact as these are not Christian schools. You want to "seek and save the lost" right? (Luke 19:10) If so, then get ready for some deep sea fishing adventures with God! (Mark 1:17)

Single persons are most desirous given the ease for the schools in providing accommodations. Nevertheless married couples are also encouraged to apply.

[u]If interested, kindly reply[/u] to RevivingNations@yahoo.com and RevivingNations@gmail.com (to be sure I receive your letter through the spam filters) [u]answering the following questions below.[/u]

Name:
Nationality:
Age:
Gender:
Marital status:

What are your motivations/reasons to teach English in Japan?

What experience do you have teaching children?

Do you have any special accommodation requirements (e.g. married couple etc)?

Do you have any health problems?
Y/N (if yes, explain how these may affect your role as an ESL Teacher)

Where have you traveled overseas?

Can you speak Japanese (**NOT necessary***)?
Y/N (if so to what level? )

Are you licensed to drive a vehicle?

If required, are you able to ride a pushbike (max distance approx 10 km)? Y/N

Any other information / skills / talents you possess?

[u]Please kindly send your answers to[/u] RevivingNations@yahoo.com and RevivingNations@gmail.com (to be sure I receive your letter through the spam filters) [u]answering the following questions below.[/u]

http://www.PaulFDavis.com

Paul F. Davis is a world-changer who has touched over 50 countries, more than 50 islands, and 6 continents empowering people throughout the earth to live their dreams!

Paul is the author of 14 books and premier life coach building dreams, breaking limitations, and transforming individuals and organizations. Paul is a change master that knows how to play with pain, while elegantly and humorously navigating through transition and riding the waves of change.

- Paul worked at Ground Zero in New York City the first week of 9/11, two stops from Brooklyn Heights where Paul used to live. Paul drove a rental car up to NYC from Orlando, FL as all airports were shut down for national security reasons.

- Paul helped a Muslim young man rebuild his home at the tsunami epicenter in Indonesia and spoke to tribal groups in Wamena who are "naked and not ashamed."

- Paul comforted victims of genocide in Rwanda and Burundi where 1.2 million people were slaughtered.

- Paul spoke to leaders in East Timor during the war for independence before the UN recognized the new nation.

- Paul addressed University students and monks in Myanmar working together to achieve democracy.

- Paul spoke throughout war-torn East Africa journeying deep into the "bush" where villagers have never seen a white man.

- Paul lived in and lectured throughout India and China the two largest populaces on earth.

- Paul journeyed to Pakistan twice since 9/11 to speak to large audiences about peace, non-violence, and reconciliation.

http://www.PaulFDavis.com

Travel and Teach. Dream Job to See the World, Fun Teacher Job. No Teaching Experience Required.

Traveling the world is the most exciting, adventurous, and fulfilling thing you will ever do. My travels thus far have taken me to over 50 countries, more than 50 islands, and 6 continents.
http://www.PaulFDavis.com

Now for a limited time I am extending the opportunity to a few special people desirous of living and teaching abroad. The primary requirements are you must have a BA / BS degree from a college / University, be a native English speaker from the US, Canada, Australia, New Zealand, or England and be 25-40 years.

The age requirement is a bit flexible if you are professional, mature, and can conduct yourself well. Single persons are most desirous given the ease for the schools in providing accommodations. Nevertheless married couples are also encouraged to apply.

[u]If interested, kindly reply[/u] to RevivingNations@yahoo.com and RevivingNations@gmail.com (to be sure I receive your letter through the spam filters) [u]answering the following questions below.[/u]

Name:
Nationality:
Age:
Gender:
Marital status:

What are your motivations/reasons to teach English in Japan?

What experience do you have teaching children?

Do you have any special accommodation requirements (e.g. married couple etc)?

Do you have any health problems?
Y/N (if yes, explain how these may affect your role as an ESL Teacher)

Where have you traveled overseas?

Can you speak Japanese (**NOT necessary***)?
Y/N (if so to what level? )

Are you licensed to drive a vehicle?

If required, are you able to ride a pushbike (max distance approx 10 km)? Y/N

Any other information / skills / talents you possess?

[u]Please kindly send your answers to[/u] RevivingNations@yahoo.com and RevivingNations@gmail.com (to be sure I receive your letter through the spam filters) [u]answering the following questions below.[/u]

http://www.PaulFDavis.com

Paul F. Davis is a world-changer who has touched over 50 countries, more than 50 islands, and 6 continents empowering people throughout the earth to live their dreams!

Paul is the author of 14 books and premier life coach building dreams, breaking limitations, and transforming individuals and organizations. Paul is a change master that knows how to play with pain, while elegantly and humorously navigating through transition and riding the waves of change.

- Paul worked at Ground Zero in New York City the first week of 9/11, two stops from Brooklyn Heights where Paul used to live. Paul drove a rental car up to NYC from Orlando, FL as all airports were shut down for national security reasons.

- Paul helped a Muslim young man rebuild his home at the tsunami epicenter in Indonesia and spoke to tribal groups in Wamena who are "naked and not ashamed."

- Paul comforted victims of genocide in Rwanda and Burundi where 1.2 million people were slaughtered.

- Paul spoke to leaders in East Timor during the war for independence before the UN recognized the new nation.

- Paul addressed University students and monks in Myanmar working together to achieve democracy.

- Paul spoke throughout war-torn East Africa journeying deep into the "bush" where villagers have never seen a white man.

- Paul lived in and lectured throughout India and China the two largest populaces on earth.

- Paul journeyed to Pakistan twice since 9/11 to speak to large audiences about peace, non-violence, and reconciliation.

http://www.PaulFDavis.com

Friday, August 22, 2008

Divine Coincidences - Miracles Happen

Divine coincidences
Breathe and believe
Believe and receive
Pray and obey
Not just a cute cliche
Miracles happen everyday
Put feet to your faith today!

www.PaulFDavis.com

RevivingNations@yahoo.com

Paul F. Davis is a world-changer who has touched over 50 countries, more than 50 islands, and 6 continents empowering people throughout the earth to live their dreams!

Paul is the author of 14 books and premier life coach building dreams, breaking limitations, and transforming individuals and organizations. Paul is a change master that knows how to play with pain, while elegantly and humorously navigating through transition and riding the waves of change.

- Paul worked at Ground Zero in New York City the first week of 9/11, two stops from Brooklyn Heights where Paul used to live. Paul drove a rental car up to NYC from Orlando, FL as all airports were shut down for national security reasons.

- Paul helped a Muslim young man rebuild his home at the tsunami epicenter in Indonesia and spoke to tribal groups in Wamena who are "naked and not ashamed."

- Paul comforted victims of genocide in Rwanda and Burundi where 1.2 million people were slaughtered.

- Paul spoke to leaders in East Timor during the war for independence before the UN recognized the new nation.

- Paul addressed University students and monks in Myanmar working together to achieve democracy.

- Paul spoke throughout war-torn East Africa journeying deep into the "bush" where villagers have never seen a white man.

- Paul lived in and lectured throughout India and China the two largest populaces on earth.

- Paul journeyed to Pakistan twice since 9/11 to speak to large audiences about peace, non-violence, and reconciliation.

www.PaulFDavis.com

Thursday, August 21, 2008

Making Champions - Making of Champions!

Making champions is a process indeed
First it begins with desire for which we bleed
A burning desire to which we dedicate ourselves
Focus our vital energies and shut out all else
Endurance keeps us and carries us fully through
When we think to quit, complain, and make excuse
An encouraging coach fires us up and lights our fuse
Invigorating our fiery passion and renewing our vision
Providing necessary direction and a purposeful mission
To which we can give and lose ourselves with inspiration
Until ultimately with exhilaration we arrive at our destination
Putting feet to our faith, yielding to desire making us a champion.

www.PaulFDavis.com - International Motivational Speaker and Life Coach building dreams, breaking limitations, and transforming individuals and organizations.

RevivingNations@yahoo.com

Paul F. Davis is a world-changer who has touched over 50 countries, more than 50 islands, and 6 continents empowering people throughout the earth to live their dreams!Paul is the author of 14 books and premier life coach building dreams, breaking limitations, and transforming individuals and organizations.

Paul is a change master that knows how to play with pain, while elegantly and humorously navigating through transition and riding the waves of change.

- Paul worked at Ground Zero in New York City the first week of 9/11, two stops from Brooklyn Heights where Paul used to live. Paul drove a rental car up to NYC from Orlando, FL as all airports were shut down for national security reasons.

- Paul helped a Muslim young man rebuild his home at the tsunami epicenter in Indonesia and spoke to tribal groups in Wamena who are "naked and not ashamed."

- Paul comforted victims of genocide in Rwanda and Burundi where 1.2 million people were slaughtered.

- Paul spoke to leaders in East Timor during the war for independence before the UN recognized the new nation.

- Paul addressed University students and monks in Myanmar working together to achieve democracy.

- Paul spoke throughout war-torn East Africa journeying deep into the "bush" where villagers have never seen a white man.

- Paul lived in and lectured throughout India and China the two largest populaces on earth.

- Paul journeyed to Pakistan twice since 9/11 to speak to large audiences about peace, non-violence, and reconciliation.

www.PaulFDavis.com

Wednesday, August 20, 2008

Usain Bolt Success Secrets - Olympic Gold Medalist and World Record Holder

Usain Bolt is Ja-making his competition crazy! The Jamaican star runner is blasting past the pack in the 100 meter and 200 meter Olympic races.

Bolt has been doing the 200 meter run all his life since he started as a youngster in track and field in native Jamaica where the sport reins supreme.

Besides remarkable athleticism and God given talent, what are some of Usain Bolt's amazing success secrets?

1. Keep it simple and stay cool.

Usain likes to have fun with his teammates and share a laugh with his rivals. Only on event day does Bolt separate and go into compete mode. Otherwise Usain is fun and playful. On event day however he runs his heart out and says he competes like an animal.

When asked about Carl Lewis his predecessor who won the 100 and 200 meter races in the Olympics, Bold replied: "I don't think about it too much as that puts too much pressure on you. Like a baby, I'm taking a step at a time."

2. Know your weakness and work on it.

Bolt admits his weeakness is his start, that being the worst (if there is such a thing for the fastest man on earth) part of his race. Hence the happy go lucky runner extensively and intensively works on every part of his race to improve his over all performance when he runs.

Style and his first 30 meters is what Bolt is working to further improve and correct. When asked going into Beijing what he thought would be the ideal time for the 100 meter run, Bolt said 9.85 (speaking of seconds) will win.

3. Always be advancing, seriously committed, and continually dedicating yourself.

To advance in sprinting, it requires "more dedication" to quote Bolt. "If you want to be a champion, you've got to take it seriously. When I was young I just wanted to party."

4. Embrace and celebrate competition.

When asked by ESPN how Jamaica continually produces world class runners, Bolt said, "It's all about competition. We're very competitive. We're all going (striving) to be the champion. Competition is huge."

Although Bolt befriends all other runners and is a likeable guy, he considers all rivals once on the track. Yet Usain wants his competitorss such as Tyson Gay to recover and be well in order to increase the competition, so the true winner can ultimately emerge fairly.

Bolt says, "Jamaica looks forward to the challenge with the United States" as he welcomes all competition to prove who is undoubtedly the best.

5. Enjoy yourself on and off the track.

Usain Bolt is the same person on and off the track, as is evident by the way he celebrated when finishing the 100 meter run in showboat fashion according to some. Yet whey not enjoy the moment considering you've worked for years for it!

Before running the 100 meter spring in Beijing I noticed Bolt's playful and loosey goosey mentality as he played with the moment and stayed cool. This enabled him to be loose, limber, and ready to bolt as his name accurately describes the fastest man in the world.

And so by enjoying and being fully present in the moment, Bolt can lose himself and become one with his event.

When asked which he would prefer - a world record or an olympic gold medal? Bolt said, "A gold medal lasts longer than a world record. A world record can be broken any time or place."

When asked what it felt like to cross that finish line during the 100 meter race, Bolt replied, "It was a great feeling. I'm really happy with myself that I accomplished this."

Bolt's mother in the stands was greeted by her son and given a big hug (with a two ecstatic Chinese young men in between) after he won the 100 meter race. Bolt had his gold shoes on ready to be photographed by the world record sign and bore his Jamaican flag proudly during his victory run.

What Bolt teaches us all most of all is to just have fun!

www.PaulFDavis.com

RevivingNations@yahoo.com

Paul F Davis is a worldwide motivational speaker and life coach building dreams, breaking limitations, and transforming individuals and organizations.

Michael Phelps Success Secrets - Olympic Gold Medalist and World Record Holder

Michael Phelps is getting gold medals and breaking world records. One of swimming's most decorated athletes and world record holder 20 times over. What are Michael Phelps' success secrets we can learn from this outstanding athlete and over achiever?

1. Know your territory, prepare, and adapt as necessary.

Phelps says, "Within an international meet travel plenty time ahead to adjust to time zone or food or whatever it is."

2. Focus on what you do best and tune out the media and mouths.

Phelps wisely remarks after the Olympics in Athens, "Media is a big part. If there's a head line like in Athens, 'Winning 7 gold medals.' That was all over the place. I really just wanted to win one. That was the dead honest truth."

"When I hear things said in the media," Michael Phelps says, "I try not to pay attention to them. Everyone talks and they're there to get attention from people."

3. Conserve your emotional energy and direct it toward what you do best.

Michael Phelps told Bob Costas after winning 8 gold medals in Beijing, China, that he doesn't get involved in verbal wars, nor does Michael try to verbally answer his critics. Phelps just does it in the water and lets his performance speak for itself.

4. Humility and staying true to yourself.

After winning several gold medals in Athens, Michael returned to the University of Michigan where he lived and trained preparing for Beijing. Michael says, "Life for me, I think it's simple. ...I express what I'm thinking and don't hold anything or nothing back."

When asked to compare the Michael Phelps who competed in Beijing to the 19 year old headed to Athens, Phelps acknowledges he in his younger years of competition was a bit clueless to the totality of what he was in for as an Olympic swimmer. "That was a deer in headlights. I had no idea what I was doing."

When asked before the Beijing games how he would end an article of himself after the conclusion of the swimming competition, Michael humbly replied: "I have nothing to say. It's the Olympic games and I'm out there representing my country. If I'm the best prepared as I can be, then I'm going to be happy and that's all that matters."

5. Stay calm and composed under pressure.

Considering all the enormous expectations fans and those in swimming put on the extraordinary Michael Phelps, he stays cool. En route to Beijing, before which Phelps had taken the world stage numerous times, Michael knew there would be 18 races in 9 days, more events for him than any other swimmer.

Nevertheless Phelps said going into Beijing, "I am more relaxed now, more calm. I know what to handle. I know what to expect."

6. Dedication, preparation, and intense training.

Phelps is in a league of his own. Having now passed the awkward teen years, Phelps is pushing the limits as the fastest swimmer in his sport. When the alarm clock sounds at 7:30am Phelps hits the pool consistently with the same amount of desire and drive never holding back. Michael swims 4 hours a day including on Sundays, holidays, his birthday, and Christmas.

7. Goal setting and a commitment to be your personal best.

His coach Bob Bowman has given Michael the tools he needs to stay motivated for a lifetime. The two together write down their goals, which consist of faster times for Michael. Phelps sets high goals and maintains high hopes for himself, refusing to plateau or become content to merely compare himself with other swimmers among his competition.

The challenge to reach the top of swimming greats, Olympic medal holders, and world record breakers is extremely demanding. The dedication required to stay at one's best while being continually bombarded and distracted by the media will require even more focus in the years to come.

One thing is for sure however. Michael Phelps is the first athlete in sport to win 8 gold medals in one Olympics and for that his legacy will forever remain. Phelps undoubtedly is a class act in and out of the water, while undoubtedly inspiring athletes of every sport throughout the world.

www.PaulFDavis.com
RevivingNations@yahoo.com

Paul F Davis is a worldwide motivational speaker and life coach building dreams, breaking limitations, and transforming individuals and organizations.

USAA and CCC Valuescope Report Vehicles Used to Devalue Insured Motorists Automobiles in Total Losses

I am extremely concerned about the way my insurer USAA and their hired gun CCC Valuescope compute, calculate, and arrive at what they deem "actual cash value" for vehicles in the event of a total loss.
As I mentioned to the Department of Insurance Regulation, the DMV in Florida requires insurers to pay the replacement value of a like kind and quality vehicle to owners involved in total loss settlements with insurance companies. USAA however is only agreeing to pay me the "actual cash value."
Most importantly, the manner by which USAA computes, calculates, and arrives at the "actual cash value" seems very deceptive, misleading, and fraudulent when one looks carefully at the CCC Valuescope Report upon which they base their valuations and calculations.
To be specific, note below the problematic histories of VIN numbers of vehicles on my CCC Valuescope report (39813905) provided to me by my insurer USAA. These of course are the vehicles CCC Valuescope and USAA used as comparable vehicles to my 1997 Honda Accord, Special Edition.
It is also worth noting that my 1997 Honda Accord SE never left the State of Florida, whereas these "comparable" vehicles submitted by USAA and CCC Valuescope have been out of Florida and across the country. My car has never been auctioned, nor has it had liens, neither required emission and safety inspections, nor been in accidents as reported in these subject vehicles. Therefore my insurer should not use these subject cars below as they are not a fair and honest value comparison to my own vehicle.
I urge every insured motorist to assess treble damages for this blatant attempt on the part of insurance companies to deceive we the insured fiduciaries and devalue our vehicles before paying out monies rightfully due us the insured.
1997 Honda Accord LX - 1HGCD563XVA120309
- Liens 4/10/1997, 7/25/2000, 11/1/2006
- Emission Inspections 7/23/1997, 6/24/1998, 7/21/1999
- Left Side Impact with another Vehicle 4/18/2000
- Rebuilt 7/25/2000, 12/01/2000, 1/6/2003, 4/6/2004, 1/25/2005, 12/23/2005, 11/1/2006, 8/17/2007
- Auction 4/7/2006

1998 Honda Accord LX - 1HGCG2244WA011995
- Liens 5/28/2002, 11/15/2002, 4/12/2005, 6/24/2008
- Accident 5/5/2005
- Duplicate Titles 11/15/2002, 4/7/2008
- Corrected Title 5/28/2002
- Auction 4/16/2002, 4/18/2008
- Theft Deterrent Equipped 7/29/2000, 3/23/2001
- Massachusetts and Florida owners

1997 Honda Accord LX - 1HGCD5633VA060776
- Liens 3/21/2000, 7/23/2002, 7/23/2002 DUPLICATE TITLE, 8/11/2005
- Auto Auction 12/28/1999, 1/12/2000
- Auto Auction / FLEET 12/10/1996
- Leased Vehicle 7/24/1997, 8/17/1998
- Front Impact Collision 9/4/2004

1998 Honda Accord LX – 1HGCG5642WA216534
- Leased 8/6/1998, 8/11/1998, 7/28/1999
- Auto Auction 1/17/2002 (FLEET / LEASE), 7/27/2006, 7/28/2006, 9/8/2006, 9/29/2006
- Liens 2/7/2002, 3/28/2008

1998 Honda Accord, LX – VIN 1HGCG5645WA252007
- Leased 9/10/1998, 7/22/1999
- Auto Auction 5/7/2001, 5/9/2001, 7/17/2001, 8/6/2001, 8/10/2001, 8/28/2001

1997 Honda Accord Special Edition – VIN 1HGCD5606VA113282
- Leased 2/24/1997
- Failed Safety Inspection 8/15/2001
- Liens 2/11/2000, 4/13/1999
- Ohio, Tennessee, New York, and Florida owners

1998 Honda Accord LX – 1HGCG5643WA252409
- Leased 9/18/1998, 9/22/1998, 11/23/1999
- Liens 9/18/1998, 9/22/1998, 11/20/2002, 12/5/2002
- Not Good Chain of Title, Poor Car History

1997 Honda Accord LX – 1HGCD5631VA052028
- Accident 12/11/2006
- Lien 1/2/1997

1998 Honda Accord LX – 1HGCG3249WA000044
- Leased 7/24/1998, 7/28/1998
- Lien 5/9/2003
- Auto Auction 6/20/2006, 6/21/2006

1997 Honda Accord LX – 1HGCD5634VA083693
- Leased 3/23/1997, 12/3/1997, 1/27/1998, 1/29/1998, 9/8/1998
- Auto Auction 3/30/2000. 4/3/2000, 5/4/2000, 6/8/2000
- Liens 3/23/1997, 12/3/1997, 7/6/2000
- Emission Inspections 12/11/1997, 6/9/2000
- California and Florida owners

1997 Honda Accord LX – 1HGCD7239VA012071
- Liens 11/10/1997, 11/13/1997
- Emission Inspection 7/1/1998, 7/8/1999
- Duplicate Title 4/3/2008

1997 Honda Accord LX – 1HGCD5632VA124418
- Liens 4/30/1999, 1/17/2002, 8/4/2003

1998 Honda Accord LX – 1HGCG5644WA225137
- Leased 8/21/1998, 8/25/1998
- Liens 8/25/1998, 11/27/2000, 6/29/2006
- Auto Auction 6/25/2008, 8/01/2008

1998 Honda Accord – 1HGCG5645WA258566
- Liens 9/15/1998, 1/10/2006

1998 Honda Accord LX – 1HGCG554WA057792
- Liens 1/09/1998, 6/3/2002 CORRECTED TITLE, 6/12/2002 CORRECTED TITLE, 8/8/2003
- Arizona, Indiana, Pennsylvania, and Florida owners

1997 Honda Accord LX – 1HGCD5636VA050128
- Liens 1/19/1999
- Many Owners, Numerous Change of Hands

1997 Honda Accord LX - 1HGCD5636VA249387
- Lien 10/08/1997
- Front Impact Collision 3/12/1999
- Emission Test 8/27/1999, 9/13/2001
- Georgia and Florida owners

1997 Honda Accord LX - JHMCD5630VC008863
- Liens 8/27/1997, 3/1/2001
- Auto Auction 6/18/2008
- Pennsylvania and Florida owners

1997 Honda Accord SE - 1HGCD7203VA029681
- Liens 6/9/1999, 1/27/2003, 5/22/2008
- Leased 6/13/1997
- Auto Auctions 9/16/2002, 10/21/2002
- Auto Auction / FLEET 10/22/2002
- New Jersey and Florida owners

1998 Honda Accord LX / LXA - 1HGCG5647WA123704
- Lien 4/26/2005

1998 Honda Accord LX / LXA - 1HGCG5642WA087405
- Lien 1/27/1998
- Auto Auction 6/5/2008

1998 Honda Accord LX - 1HGCG3245WA011459
- Liens 7/13/1998, 10/1/1998, 10/28/1999
- Auto Auction 4/22/2002, 11/26/2007
- Emission Inspections 5/5/1999, 10/8/1999, 3/24/2000

1997 Honda Accord LX - 1HGCD5539VA103132
- Leased 2/21/1997, 2/09/1999
- Liens 8/10/1999, 8/5/2003, 9/12/2005
- Auto Auctions 4/28/1999, 5/15/2008, 5/16/2008
- Pennsylvania, New York, and Florida owners

1998 Honda Accord LX / LXA - 1HGCG5646WA222921
- Liens 7/30/1998, 7/18/2008
- Auto Auctions 4/22/2008, 4/23/2008
-
1997 Honda Accord LX - 1HGCD723XVA016064
- Title #:AQ0019351 Seekonk, MA
- Title #:0090214360 St. Petersburg and Tampa, FL
- Title Issues 4/4/1997, 5/13/1999, 5/1/2001, 4/18/2003, 3/31/2004, 5/13/2008, 7/8/2008
Duplicate Title
- Rhode Island, Massachusetts, and Florida owners

1997 Honda Accord SE - 1HGCD5607VA104378
- Leased 7/23/1997, 2/11/1998, 4/29/1999, 5/3/1999
- Liens 7/23/1997, 5/3/1999, 2/19/2004, 5/19/2005
- Auto Auctions 6/4/2001, 6/5/2001, 2/8/2005
- Duplicate Title 1/28/2005
- Maryland and Florida owners

1997 Honda Accord LX - 1HGCE1825VA006521
- Liens 12/24/1997, 8/14/2000, 5/30/2008
- Emission Inspection 5/19/2000

1998 Honda Accord LX / LXA - 1HGCG5646WA118820
- Leased 3/18/1998, 3/20/1998, 11/25/1998, 12/14/1999
- Liens 3/20/1998, 1/30/2002, 3/22/2002

1997 Honda Accord LX - 1HGCE1828VA005041
- Emission Inspections 3/2/1999, 3/3/1998, 2/25/2000
- Green Car noted 3/31/2008 – perhaps color change during repairs
- Duplicate Title 4/11/2008
- Auto Auction 4/10/2008

1997 Honda Accord SE - 1HGCD5604VA237860
- Leased 9/03/1997, 5/14/1998, 6/16/1999, 6/1/2000
- FLEET 9/03/2007
- Accident 6/2/2008
- Liens 9/3/1997, 8/29/2000, 6/2/2008

1998 Honda Accord LX / LXA - 1HGCG5647WA042945
- Leased 12/2/1997, 12/4/1997, 10/15/1998, 10/19/1998
- Accident 5/10/2008
- Auto Auction 8/20/1998
- Emission Inspection 3/24/2000

1997 Honda Accord LX - 1HGCD5633VA242431
- Lien 5/9/2002
- Theft Deterrent Equipped 9/5/1998
- New York and Florida owners

1997 Honda Accord LX - 1HGCD5630VA215140
- Liens 9/24/1997, 9/26/1997, 8/17/2001, 6/13/2008
- Front Impact Collision with another Vehicle 5/28/2002
- Emission Inspection 3/30/2000

1998 Honda Accord LX / LXA - 1HGCG5647WA228436
- Liens 9/16/1998, 5/21/2008
- Duplicate Title 5/7/2008

I am deeply concerned and disappointed in my insurance company’s failure to uphold their moral and legal obligations contractual requiring the utmost duty of care to me the fiduciary.

Saturday, August 9, 2008

Vari Asian Crazy Buffet Altamonte Springs, FL Food Poisoning

My wife and I were food poisoned at Crazy Buffet a.k.a. Vari Asian in Altamonte Springs, FL on August 5, 2008 while eating lunch at 1pm. Within 7 to 8 hours I was hugging the toilet and barfing all night until 5:30am.

It was the worst night of my life and my wife also suffered being in great pain for days.

Has anyone else experienced food poisoning at Crazy Buffet? If so, please contact me.
We definitely have legal grounds to be compensated for a breach of duty of care along with pain and suffering.

Paul F Davis - consumer advocate

RevivingNations@yahoo.com (or) gmail.com

http://www.PaulFDavis.com

Sunday, July 27, 2008

USAA and CCC Valuescope Consumer Fraud Complaint to FBI Director Robert Mueller III

July 24, 2008

Federal Bureau of Investigation
5525 West Gray St.
Tampa, FL 33609

FL Department of Insurance Regulation / File 1-506669660

Honorable FBI Director Robert Mueller III,

It is with great displeasure that I have to write you this letter today filing a consumer complaint against CCC Valuescope (CCCG) used by my insurer USAA to allege a fair “market value” of my automobile.

MADD Victim Services points out “It’s against the law to kill or injure another human being intentionally, maliciously, with criminal negligence, or while operating a vehicle under the influence of alcohol or drugs.”

Nancy Stent, a 47 year-old drunk driver and repeat offender, whom Progressive Insurance breached its duty to protect the public when insuring her, was arrested by Volusia County Law Enforcement on July 8, 2008 for driving while intoxicated and causing bodily harm to me and destroying two automobiles before crashing her own.

My insurer USAA has breached its duty to exercise the utmost good faith to me its insured. By using CCC Valuescope (a company violating the U.S. federal RICO Act) USAA has intentionally provided me a low and fraudulent valuation of my automobile in hopes of obtaining an unreasonable and unfair settlement.

CCC Information Services Group Inc. ("CCCG"), incorporated in Delaware in 1983 and headquartered in Chicago, Illinois, is a holding company, which operates through its wholly owned subsidiary, CCC Information Services Inc. ("CCC").

CCC Valuescope (formerly known as CCC Information Services Group Inc – CCCG) can by no means be deemed a fair and market value of automobiles as CCC Valuescope works exclusively for insurers and therefore has an economic interest to supply valuations that are intentionally below the actual fair market value of what insured vehicles are truly worth. It is known fact throughout the insurance industry that CCC gathers its values from what car dealers would sell a vehicle for at basement wholesale prices, not the true “retail value of an auto of like kind and quality prior to the accident” as mandated by FL insurance regulations.

Cutting costs and denying its insured “the utmost due care” historically can be documented against USAA beginning with the class action lawsuit against USAA in Washington’s King County (March 12, 1999) for compelling auto repair shops to use "imitation" parts in repairs, while simultaneously hiding this practice from policyholders. Beyond auto insurance, USAA has countless complaints filed against it in 27 states across the country.
I noticed that a Mississippi couple - Admiral James Lisanby and his wife Gladys have sued USAA for $910,000, pursuing punitive damages for USAA’s neglect and resistance
to pay them what they are rightfully due for the Katrina tornado that tragically took so many people’s homes. This apparently is the 1st Hurricane Katrina insurance lawsuit to go to trial (June 16, 2008).
David and Marilyn Aiken (Gulfport, Mississippi) filed a lawsuit against USAA on January 18, 2008 for conspiring to defraud them full payment of their $680,000 homeowner-insurance policy with USAA.
As for CCC Valuescope it is not independent in their valuations since they are a hired gun for the insurance companies! Upon conducting a VIN search on the vehicles within the CCC report, many of them had over 20 records indicative of numerous collissions, issues with the vehicle, and several changes of ownership. By relying upon CCC’s intentionally low valuation of my vehicle, USAA is breaching its fiduciary duty to act in good faith in handling my claim. No fair and honest evaluation of my claim can be performed by CCC as it is contracted by insurers for the primary purpose of minimizing monies paid out by insurers to its fiduciaries. Hence by using CCC Valuescope, USAA is clearly not exercising the “utmost due care” in the interest of me its insured as required by Baxter v. Royal Indemnity (FL case law).

Even if CCC Valuescope is currently an “Official Used Car Guide” in the State of Florida, USAA (and any other insurers for that matter) can still violate the Unfair Trade Practices Act and State administrative regulations by relying on the CCC Valuescope product.

Such was determined also by the Court in the State of West Virginia cited below:

Sharon A. Bolyard and Patricia One-Bull, individually, and on behalf of all others similarly situated v. Nationwide Mutual Insurance Company, Nationwide Assurance Company, Michael Higgins, Raymond Little, and Mary Shafer - No. 062305. Petitioners seek to docket the certified questions from the circuit court as follows:
1. Whether an insurance company can violate the West Virginia Unfair Trade Practices Act or the administrative regulations promulgated thereunder by using, in compliance with West Virginia Code of State Rules §114-14-7.4, the CCC Valuescope valuation product if the Insurance Commissioner approved the CCC Valuescope product as an "Official Used Car Guide" pursuant to West Virginia Code § 33-6-33, and as defined by West Virginia Code of State Rules §114-14-7.2(d)?
ANSWER OF COURT: Yes.

2. Can an insurance company be found to commit common law bad faith, fraud, or constructive fraud for using, in compliance with West Virginia Code of State Rules §114-14-7.4, the CCC Valuescope valuation product if the Insurance Commissioner approved the CCC Valuescope product as an "Official Used Car Guide" pursuant to West Virginia Code §33-6-33, and as defined by West Virginia Code of State Rules §114-14-7.2(d)?
ANSWER OF COURT: Yes.

CCC admitted itself in its SEC Filing on 3-16-2005 that “the Company sometimes pays a new customer for the remaining commitment of its previous contract with third parties as an incentive”. In regard to regulation, CCC mentions in the same filing “in most states, however, there is no formal approval process for total loss valuation products”. CCC itself confesses in the same report “individual state departments of insurance have taken positions as to whether the use of CCC Valuescope valuations is in compliance with a states claim handling regulations”.

“The Company is aware that since 2002 the California Department of Insurance has advised some of the Company's customers (which management estimates to be approximately 14% of the total revenue earned in 2004 from the Company's CCC Valuescope valuation product and service) that the Department believed that their use of CCC Valuescope had not been in compliance with the California insurance regulations in effect prior to October 4, 2004, with respect to certain components of the products methodology. The Company believes the product was in compliance with the applicable California regulations.”

“On April 24, 2003, the California Department of Insurance formally adopted new regulations that required the Company to change its methodology for computing total loss valuations in California.” There is good reason therefore to believe CCC Valuescope’s valuation methodology is terribly flawed and skewed to favor its insurance company customers.

In CCC’s annual report filed February 13, 2004 the legal proceedings and numerous class action lawsuits against CCC are documented in pages 35, 42, 43, and 44 of the 53 page report.

On page 35, CCC Valuescope admits to setting aside $4.3 million as an estimate towards potential settlement to “resolve potential claims arising out of approximately 30% of the transaction volume of CCC Valuescope”.

By acknowledging 30% of transaction volume becoming potential claims, CCC Valuescope thereby makes it public record that it anticipates a sizeable percentage of lawsuits for unfair and fraudulent valuations. Such a high percentage of transaction volume alone attests to the flawed methodology of CCC’s report, its unscrupulous dealings, and wholehearted commitment to protect the financial interests of the insurers it serves.

Ironically, four of CCC Valuescope’s automobile insurance company customers have made contractual and, in some cases, also common law indemnification claims against CCC for litigation costs, attorneys' fees, settlement payments and other costs allegedly incurred by them in connection with litigation relating to their use of CCC’s flawed TOTAL LOSS valuation product.

Certainly the countless class action lawsuits filed across the United States against CCC Valuescape provides further evidence concerning the grossly low and inaccurate valuations of vehicles they give the insurers they serve. Among the many are:

CCC Settles Class Action Suit on Valuation of Total Loss Vehicles (July 15, 2005)

Chicago-based claims software-maker CCC Information Services Inc. announced that it and 15 of its customers signed a settlement agreement with the plaintiffs in various class action suits pending in Madison County, Ill. These consolidated suits, Case Nos. 01 L 157, et al., relate to the valuation of vehicles that have been declared total losses by insurers.

Terms of the settlement agreement will require CCC to pay notice and administration fees and other costs associated with the settlement. The company estimates that these costs will total about $8 million, and including available insurance proceeds of $1.8 million, the company is fully reserved for these payments. Other settlement costs, including claims by class members, will be paid by the insurance companies that are participating in the settlement.

On or about August 23, 2000, a putative statewide class action was filed in the Circuit Court for Hillsborough County, Florida, against CCC and USAA Casualty Insurance Company. The lawsuit is captioned Peter Sintes et al. v. USAA Casualty Insurance Company and CCC Information Services, Inc., Case No. 00-006308. Plaintiffs allege that USAA contracted with CCC to provide valuations of "total loss" vehicles and that CCC supplied valuations that were intentionally below the actual fair market value of the insured vehicle. The plaintiffs assert various common law claims against USAA seeking unspecified damages. The plaintiffs also assert a single claim for injunctive relief against USAA and CCC. Plaintiffs also request an award of pre- and post-judgment interest and an award of attorneys' fees, litigation expenses, and costs. The group of plaintiffs' attorneys who filed the Sintes case includes several attorneys who have previously filed similar cases against CCC and various of its customers in the Circuit Court of Cook County, Illinois.

On January 31, 2000, a putative class action lawsuit was filed against CCC, Dairyland Insurance Co., and Sentry Insurance Company in the Circuit Court of Johnson County, Illinois. The case is captioned SUSANNA COOK V. DAIRYLAND INS. CO., SENTRY INS. AND CCC INFORMATION SERVICES INC., NO. 2000 L-1.

During January and February of 2001, the group of plaintiffs' lawyers who filed the COOK lawsuit filed ten (10) additional putative class action lawsuits against CCC and several of its insurance company customers in the Circuit Court of Madison County, Illinois. Those cases are captioned as follows:

LANCEY V. COUNTRY MUTUAL INS. CO., COUNTRY CASUALTY INS. d/b/a COUNTRY COMPANIES, AND CCC INFORMATION SERVICES INC., CASE NO. 01 L 113 (FILED 1/29/01); SCHOENLEBER V. PRUDENTIAL PROPERTY AND CASUALTY INC. CO. AND CCC INFORMATION SERVICES INC., CASE NO. 01 L 99 (FILED 1/18/01); EDWARDS V. MID-CENTURY INS. CO. d/b/a FARMERS INS. AND CCC INFORMATION SERVICES INC., CASE NO. 01 L 151 (FILED 2/6/01); BORDONI V. CGU INS. GROUP d/b/a CGU INS. CO. OF ILLINOIS AND CCC INFORMATION SERVICES INC., CASE NO. 01 L 157 (FILED 2/6/01); RICHARDSON V. PROGRESSIVE PREMIER INS. CO. OF ILLINOIS d/b/a PROGRESSIVE AND CCC INFORMATION SERVICES INC., CASE NO. 01 L 149 (FILED 2/6/01); BILLUPS V. GEICO GENERAL INS. CO. AND CCC INFORMATION SERVICES INC., CASE NO. 01 L 159 (FILED 2/6/01); HUFF V. HARTFORD INS. CO. OF ILLINOIS d/b/a THE HARTFORD AND CCC INFORMATION SERVICES INC., CASE NO. 01 L 158 (FILED 2/6/01); KNACKSTEDT V. ST. PAUL FIRE AND MARINE INS. CO. AND CCC INFORMATION SERVICES INC., CASE NO. 01 L 153 (FILED 2/6/01); MOORE V. SHELTER INS. COS. AND CCC INFORMATION SERVICES INC., CASE NO. 01 L 160 (FILED 2/6/01); TRAVIS V. KEMPER CASUALTY INS. CO. d/b/a KEMPER INSURANCE AND CCC INFORMATION SERVICES INC., CASE NO. 01 L 290 (FILED 2/16/01).

In each case, each plaintiff alleges that his or her insurance company, using a valuation prepared by CCC, offered an inadequate amount to settle his or her total loss claim. Each plaintiff seeks to represent a nationwide class of the defendant insurance company's customers, who, during the period from January 28, 1989, up to the date of trial, had their total loss claims settled using a valuation report prepared by CCC. Plaintiff asserts various common law and contract claims against the defendant insurance companies, and various common law claims against CCC. Plaintiff seeks an unspecified amount of compensatory and punitive damages, as well as an award of attorney's fees and costs.

Between October of 1999 and July of 2000, a separate group of plaintiffs' attorneys filed a series of putative class action lawsuits against CCC and several of its insurance company customers in the Circuit Court of Cook County, Illinois. The cases are captioned as follows: ALVAREZ-FLORES V. AMERICAN FINANCIAL GROUP, INC., ATLANTA CASUALTY CO., AND CCC INFORMATION SERVICES INC., NO. 99 CH 15032 (FILED 10/19/99); GIBSON V. ORIONAUTO, GUARANTY NATIONAL INS. CO. AND CCC INFORMATION SERVICES INC., NO. 99 CH 15082 (FILED 10/20/99); KEILLER V. FARMERS INSURANCE GROUP OF COMPANIES, FARMERS GROUP, INC., FARMERS INSURANCE EXCHANGE, FARMERS INSURANCE CO. OF OREGON, AND CCC INFORMATION SERVICES INC., NO. 99 CH 15485 (FILED 10/20/99); STEPHENS V. THE PROGRESSIVE CORP., PROGRESSIVE PREFERRED INS. CO. AND CCC INFORMATION SERVICES INC., NO. 99 CH 15557 (FILED 10/28/99); MYERS V. TRAVELERS PROPERTY CASUALTY CORP., THE TRAVELERS INDEMNITY COMPANY OF AMERICA AND CCC INFORMATION SERVICES INC., NO. 00 CH 2793 (FILED 2/22/00); LEPIANE V. THE HARTFORD FINANCIAL SERVICES GROUP, INC., HARTFORD INSURANCE COMPANY OF THE MIDWEST AND CCC INFORMATION SERVICES INC., NO. 00 CH 10545 (FILED 7/18/00).

Between June and August of 2000, a separate group of plaintiffs' attorneys filed three putative class action cases against CCC and various of its insurance company customers in the State Court of Fulton County, Georgia. Those cases are MCGOWAN V. PROGRESSIVE CASUALTY INS. CO., PROGRESSIVE INS. CO., AND CCC INFORMATION SERVICES INC., CASE NO. 00VS006525 (FILED 6/16/00), DASHER V. ATLANTA CASUALTY CO. AND CCC INFORMATION SERVICES INC., CASE NO. 00VS006315 (FILED 6/16/00) AND WALKER V. STATE FARM MUTUAL AUTOMOBILE INS. CO. AND CCC INFORMATION SERVICES INC., CASE NO. 00VS007964 (FILED 8/2/00). The plaintiff in each case alleges that his or her insurance company, using a valuation prepared by CCC, offered plaintiff an inadequate amount for his or her automobile and that CCC's TOTAL LOSS valuation product provides values that do not comply with the applicable Georgia regulations. The plaintiffs assert various common law and statutory claims against the defendants and seek to represent a nationwide class of insurance company customers. Additionally plaintiffs seek to represent a similar statewide sub-class for claims under the Georgia RICO statute. Plaintiffs seek unspecified compensatory, treble and punitive damages, as well as an award of attorneys' fees and expenses.

On August 2, 2000, a putative class action purportedly on behalf of certain residents of fourteen states was filed in the Franklin County Court of Common Pleas, State of Ohio, against Nationwide Mutual Insurance Company and CCC. WHITWORTH V. NATIONWIDE MUTUAL INS. CO. AND CCC INFORMATION SERVICES INC., CASE NO. CVH-08-6980. The Whitworth lawsuit was filed by a group of plaintiffs' attorneys that includes certain attorneys who previously filed three putative class actions against CCC and various of its customers in Fulton County State Court (reported above). The plaintiffs assert substantially the same claims and seek substantially the same relief as in those previously filed Fulton County actions. The plaintiffs further allege that CCC's TOTAL LOSS valuation service provides values that do not comply with applicable regulations in Ohio and 13 other states.

On or about March 27, 1998 a case entitled GARDNER V. ALLSTATE INDEMNITY
CO., CIVIL ACTION 98-D-480-N (M.D. ALA.), was filed in the Circuit Court of Montgomery County, Alabama. CCC is not named as a defendant in the case, and no relief is sought against CCC by the plaintiffs. In the Complaint, plaintiffs asserted claims against one of CCC's customers, Allstate Indemnity Co., for unjust enrichment and constructive trust and for breach of contract based on Allstate's use of an unidentified total loss valuation product. Allstate removed the case to the United States District Court for the Middle District of Alabama in April 1998 (GARDNER V. ALLSTATE INDEMNITY CO., CIVIL ACTION 98-D-480-N).

Plaintiffs moved for class certification on August 28, 1998. Plaintiffs' class certification motion was granted on April 28, 2000. Pursuant to the April 28, 2000 order, the district court certified a plaintiff class of all Alabama customers who, from March 26, 1992 through the time of final judgment in the case, (1) have been insured under or paid pursuant to an Allstate auto policy, (2) whose vehicles have been declared a total loss by Allstate; and (3) to whom Allstate has paid out a claim for a total loss adjusted based on CCC valuations.

CCC Fairness Hearings
Final fairness hearing for the settlement of several class actions filed against CCC Information Services, Inc. was set for December 20, 2005 in the Circuit Court of Madison County, Illinois. The suits were styled:
(1) LANCEY v. COUNTRY MUTUAL INS. CO., AND CCC INFORMATION SERVICES INC., Case No. 01 L 113 (filed January 29, 2001);
(2) KMUCHA v. COLONIAL PENN INSURANCE COMPANY AND CCC INFORMATION SERVICES INC., Case No. 03 L 1267 (filed September 18, 2003)
(3) JACKSON v. ATLANTA CASUALTY COMPANY, INFINITY PROPERTY & CASUALTY CORPORATION AND CCC INFORMATION SERVICES INC., Case No. 03 L 1266 (filed September 18, 2003)
In connection with the settlement, CCC Valuescope was added as a party to the following additional cases, which assert claims and seek relief substantially similar to the above cases, namely:
(i) BORDONI v. CGU INSURANCE COMPANY OF ILLNOIS AND CCC INFORMATION SERVICES INC., Case No. 01 L 157;
(ii) SCHOENLEBER v. PRUDENTIAL PROPERTY AND CASUALTY INSURANCE COMPANY AND CCC INFORMATION SERVICES INC., Case No. 01 L 99;
(iii) RICHARDSON V. PROGRESSIVE PREMIER INSURANCE COMPANY OF ILLINOIS AND CCC INFORMATION SERVICES INC., Case No. 01 L 149,
(iv) KNACKSTEDT v. ECONOMY PREFERRED INSURANCE COMPANY, METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY AND CCC INFORMATION SERVICES INC., Case No. 01 L 153;
(v) HUFF AND MADISON v. HARTFORD INSURANCE COMPANY OF ILLINOIS, HARTFORD INSURANCE COMPANY OF THE MIDWEST AND CCC INFORMATION SERVICES INC., Case No. 01 L 158;
(vi) JACKSON v. NATIONALGENERAL INSURANCE COMPANY AND CCC INFORMATION SERVICES INC., Case No. 02 L 628;
(vii) PARCHMENT v. TRAVELERS PROPERTY CASUALTY INSURANCE COMPANY OF ILLINOIS, TRAVELERS PROPERTY CASUALTY COMPANY, AND CCC INFORMATION SERVICES INC., Case No. 02 L 1135; and
(viii) CARTER, VANOVER AND URKE v. ALLSTATE INSURANCE COMPANY, NATIONAL-BEN FRANKLIN INSURANCE COMPANY OF ILLINOIS AND CCC INFORMATION SERVICES INC., Case No. 02 L 717
The proposed settlement class consists of all customers of the settling carriers who had a total loss claim from January 28, 1989 to July 18, 2005, for which the Company provided a valuation to the carrier. This settlement includes no admission of liability or wrongdoing by the Company or its customers. Upon final approval of the settlement, the above-described cases will be dismissed and the Company will receive releases with respect to the matters raised in the lawsuits. The Company, in turn, has agreed to pay for all costs of settlement administration and certain other costs associated with the settlement. The Company estimates that these costs will total approximately $8.0 million. Other settlement costs, including the payment of claims made by class members, will be paid by the insurance companies that are participating in the settlement.
On July 18, 2005, the Court granted preliminary approval to the settlement, and a final approval hearing is scheduled for December 20, 2005. In the third quarter of 2004, the Company increased its reserve for this potential litigation settlement by $1.9 million to $6.2 million, which is net of an expected insurance reimbursement of $1.8 million. The settlement administrator has undertaken certain settlement administration activities and has sent notices to the class. The Company has paid approximately $2.7 million related to this work, which has been charged against the settlement reserve. Additionally, the Company has reached an agreement in principle to contribute approximately $2.9 million to the settlement of an additional case that has previously been disclosed, styled "PAK et al. v. FARMERS GROUP INC. and FARMERS INSURANCE EXCHANGE, Case No. CV98-04873 (Second Judicial District of the State of Nevada in and for Washoe County). As a result, the current recorded reserve has been increased by $2.9 million in the third quarter of 2005 to account for this anticipated settlement.

CCC Consumer Suits Against It:
Plaintiffs filed a writ of certiorari with the Georgia Supreme Court over the Georgia Appeals Court's affirmation of the dismissal of the charges in three class actions filed against CCC Information Services, Inc., namely:
(1) McGOWAN v. PROGRESSIVE CASUALTY INS. CO., PROGRESSIVE INS. CO., and CCC INFORMATION SERVICES INC., Case No. 00VS006525 (filed June 16, 2000);
(2) DASHER v. ATLANTA CASUALTY CO. and CCC INFORMATION SERVICES INC., Case No. 00VS006315 (filed June 16, 2000);
(3) WALKER v. STATE FARM MUTUAL AUTOMOBILE INS. CO. and CCC INFORMATION SERVICES INC., Case No. 00VS007964 (filed August 2, 2000)
The Plaintiffs in these three cases, initially filed in the Superior Court in Fulton County, Georgia, seeks to represent a nationwide class of insureds against the Company and the named insurance company defendant and alleges that CCC's Valuescope valuation service provides values that do not comply with applicable state regulations governing total loss claims settlements. Plaintiffs assert various common law and statutory claims against the Company and the insurance company defendants, including claims under the Georgia Racketeer Influenced and Corrupt Organizations (RICO) statute. Plaintiffs seek unspecified compensatory, treble and punitive damages, attorneys' fees and expenses.

As Attorney Edward M. Ricci, Esq. has written: http://www.riccilaw.com/CM/Articles/Articles37.asp

Insurance companies are in the business of protecting their insureds by spreading risks. In so doing, they are entitled to make a fair and reasonable profit. However, in the conducting of their business, insurance companies "owe a duty to the insured to exercise the utmost good faith." Baxter v. Royal Indemnity Company, 285 So.2d 652 (Fla. 1st DCA 1973).

Florida courts did not choose the word "utmost" loosely. The word is defined in the dictionary as "of the highest or greatest degree-the greatest possible amount-the maximum." American Heritage Dictionary of the English language.

The key to understanding insurance bad faith is to first understand the duty owed by an insurance company to its insured. Before one can understand bad faith, one must understand the definition of good faith. Paraphrasing the Florida Standard Jury Instruction MI3.1

"Good faith consists of settling a claim within policy limits when under all the circumstances the insurance company could and should have done so had it acted fairly and honestly towards its insured and with due regard for its insured's interest."

Phrasing the issue as simply as possible: an insurance company must put the interest of the insured ahead of its own. When it fails to do so, it is presumed to have acted in bad faith.

Why have the courts come down so strongly against insurance companies? Why have the courts imposed such strict duties upon insurance carriers? The answers lie in the nature of the insurance business. Insureds - ordinary citizens - sign contracts of adhesion when they buy insurance policies.

"When the insured has surrender to its insurer all control over the handling of the claim, including all decisions with respect to litigation and settlement, then the insurer must assume a duty to exercise such control and make such decisions in good faith and with due regard for the interest of the insured." Boston Old Colony v. Gutierrez, 336 So.2d 783 (Fla. 1980).

The consumer does not get to pick the language of an insurance policy. The ordinary consumer, unlike huge corporations, are faced with a "take it or leave it" deal. Accept the insurance in the form presented, or get no insurance at all. The standard policy reserves to the insurance company all control over the handling of claims. As a consequence the courts impose strict duties upon insurance carriers to act "fairly and honestly toward the insured and with due regard for his interests." FSJI MI3.1.

In conclusion, given the countless and ongoing class action lawsuits against CCC Valuescope there should now be no question that CCC Valuescope is not independent in its auto valuations and is guilty of violating the U.S. federal RICO Act and National Insurance Regulations, along with many of the complicit insurance companies such as USAA who willingly and knowingly use their product with the intent to deceive

What then do you propose to do about it to protect the insured motorists across the United States against fraud?

Sincerely concerned.

Paul F Davis

www.PaulFDavis.com - consumer advocate and minister

RevivingNations@yahoo.com

CCC Valuescope Disgruntled Employees and Former Employees Wanted to Testify About Insurance Fraud

By God's grace I received an this week commenting about my blog concerning CCC Valuescope's RICO Act violations and USAA's complicity in this matter (USAA being just one of many insurers nationwide using CCC to do its dirty work).

By divine providence it just so happens the letter I received came from a former Manager over Subrogation and Total Loss who worked for CCC several years.

I am desirious of gathering disgruntled employees and former employees of CCC Valuescope to:
1. Provide a written statement about CCC Valuescope's methods, fraudulent behavior, and history of intentionally providing low auto valuations to the insurance company customers it serves.
2. Be interviewed on video for a documentary exposing the inner workings of CCC Valuescope and the complicit relationship with insurance companies deceiving the general public.
3. Testify in court against the mega giant CCC Valuescope that has defrauded millions of Americans along with the insurers they serve by committing ongoing RICO Act violations.

Should anyone from CCC Valuescope's competition - Mitchell International and ADP want to provide info about CCC's dirty secrets and methodology by which they in complicity with insurers deceive the general public, that would be most appreciated.

Anonymous responses and submissions are also welcome.

Sincerely,

Paul F Davis - consumer advocate and minister

"The lip of truth shall be established forever, but a lying tongue is but for a moment" (Proverbs 12:19).

"The righteousness of the perfect shall direct his way: but the wicked shall fall by his own wickedness" (Proverbs 11:5).

"The wicked worketh a deceitful work: but to him that soweth righteousness shall be a sure reward" (Proverbs 11:18).

"Behold, the righteous shall be recompensed in the earth: much more the wicked and the sinner" (Proverbs 11:31).
Paul F. Davis is a world-changer who has touched over 50 countries & 6 continents building bridges cross-culturally and empowering people throughout the earth to live their dreams!

Paul is the author of 14 books. Paul has appeared on numerous internationally broadcast radio shows from Oprah & Friends to Fox News Radio to talk about conflict resolution, peacemaking, foreign policy, and diplomacy. Playboy Radio’s Afternoon Advice host Tiffany Granath calls Paul an "awesome" relational coach and recommends his books on love, dating, and sexuality.

Academically outstanding Davis was trained in transformative mediation & conflict resolution (Hofstra Law School); strategic negotiations (Harvard Business School & U. of Washington); advanced interrogation (Reid & Associates founders of the polygraph); and NLP & Life Coaching (NLP & Coaching Institute of California).

Paul humorously and elegantly transforms individuals and organizations.

Paul's organization Dream-Maker Inc. builds dreams, transcends limitations, & reconciles nations.

Paul worked at Ground Zero in NYC during 9/11; helped rebuild a home at the tsunami epicenter; comforted victims of genocide in Rwanda; spoke to leaders in East Timor during the war; inspired students & monks in Myanmar; promoted peace & reconciliation in Pakistan; and has been so deep into the bush of rural Africa where villagers had never before seen a white man.

Paul empowers people to love passionately and live fearlessly.

http://www.PaulFDavis.com

RevivingNations@yahoo.com

Subrogation and Total Loss Deception - CCC Valuescope and Insurance Companies, Former and Disgruntled Employees Wanted

CCC Valuescope Disgruntled Employees and Former Employees Wanted to Testify About Insurance Fraud

By God’s grace I received an this week commenting about my blog concerning CCC Valuescope’s RICO Act violations and USAA’s complicity in this matter (USAA being just one of many insurers nationwide using CCC to do its dirty work).

By divine providence it just so happens the letter I received came from a former Manager over Subrogation and Total Loss who worked for CCC several years.

I am desirious of gathering disgruntled employees and former employees of CCC Valuescope to:
1. Provide a written statement about CCC Valuescope’s methods, fraudulent behavior, and history of intentionally providing low auto valuations to the insurance company customers it serves.
2. Be interviewed on video for a documentary exposing the inner workings of CCC Valuescope and the complicit relationship with insurance companies deceiving the general public.
3. Testify in court against the mega giant CCC Valuescope that has defrauded millions of Americans along with the insurers they serve by committing ongoing RICO Act violations.

Should anyone from CCC Valuescope’s competition - Mitchell International and ADP want to provide info about CCC’s dirty secrets and methodology by which they in complicity with insurers deceive the general public, that would be most appreciated.

Anonymous responses and submissions are also welcome.

Sincerely,

Paul F Davis - consumer advocate and minister

“The lip of truth shall be established forever, but a lying tongue is but for a moment” (Proverbs 12:19).

“The righteousness of the perfect shall direct his way: but the wicked shall fall by his own wickedness” (Proverbs 11:5).

“The wicked worketh a deceitful work: but to him that soweth righteousness shall be a sure reward” (Proverbs 11:18).

“Behold, the righteous shall be recompensed in the earth: much more the wicked and the sinner” (Proverbs 11:31).
Paul F. Davis is a world-changer who has touched over 50 countries & 6 continents building bridges cross-culturally and empowering people throughout the earth to live their dreams!

Paul is the author of 14 books. Paul has appeared on numerous internationally broadcast radio shows from Oprah & Friends to Fox News Radio to talk about conflict resolution, peacemaking, foreign policy, and diplomacy. Playboy Radio’s Afternoon Advice host Tiffany Granath calls Paul an “awesome” relational coach and recommends his books on love, dating, and sexuality.

Academically outstanding Davis was trained in transformative mediation & conflict resolution (Hofstra Law School); strategic negotiations (Harvard Business School & U. of Washington); advanced interrogation (Reid & Associates founders of the polygraph); and NLP & Life Coaching (NLP & Coaching Institute of California).

Paul humorously and elegantly transforms individuals and organizations.

Paul’s organization Dream-Maker Inc. builds dreams, transcends limitations, & reconciles nations.

Paul worked at Ground Zero in NYC during 9/11; helped rebuild a home at the tsunami epicenter; comforted victims of genocide in Rwanda; spoke to leaders in East Timor during the war; inspired students & monks in Myanmar; promoted peace & reconciliation in Pakistan; and has been so deep into the bush of rural Africa where villagers had never before seen a white man.

Paul empowers people to love passionately and live fearlessly.

http://www.PaulFDavis.com

RevivingNations@yahoo.com
Tags: ccc valuescope, disgruntled employees, former employees, insurance fraud

USAA and CCC Valuescope Consumer Fraud, RICO Act Violations - Letter to Attorney General

July 24, 2008

U.S. Department of Justice
950 Pennsylvania Avenue, NW
Washington, DC 20530-0001

FL Department of Insurance Regulation / File 1-506669660

Honorable Attorney General Michael Mukasey,

It is with great displeasure that I have to write you this letter today filing a consumer complaint against CCC Valuescope (CCCG) used by my insurer USAA to allege a fair “market value” of my automobile.

MADD Victim Services points out “It’s against the law to kill or injure another human being intentionally, maliciously, with criminal negligence, or while operating a vehicle under the influence of alcohol or drugs.”

Nancy Stent, a 47 year-old drunk driver and repeat offender, whom Progressive Insurance breached its duty to protect the public when insuring her, was arrested by Volusia County Law Enforcement on July 8, 2008 for driving while intoxicated and causing bodily harm to me and destroying two automobiles before crashing her own.

My insurer USAA has breached its duty to exercise the utmost good faith to me its insured. By using CCC Valuescope (a company violating the U.S. federal RICO Act) USAA has intentionally provided me a low and fraudulent valuation of my automobile in hopes of obtaining an unreasonable and unfair settlement.

CCC Information Services Group Inc. ("CCCG"), incorporated in Delaware in 1983 and headquartered in Chicago, Illinois, is a holding company, which operates through its wholly owned subsidiary, CCC Information Services Inc. ("CCC").

CCC Valuescope (formerly known as CCC Information Services Group Inc – CCCG) can by no means be deemed a fair and market value of automobiles as CCC Valuescope works exclusively for insurers and therefore has an economic interest to supply valuations that are intentionally below the actual fair market value of what insured vehicles are truly worth. It is known fact throughout the insurance industry that CCC gathers its values from what car dealers would sell a vehicle for at basement wholesale prices, not the true “retail value of an auto of like kind and quality prior to the accident” as mandated by FL insurance regulations.

Cutting costs and denying its insured “the utmost due care” historically can be documented against USAA beginning with the class action lawsuit against USAA in Washington’s King County (March 12, 1999) for compelling auto repair shops to use "imitation" parts in repairs, while simultaneously hiding this practice from policyholders. Beyond auto insurance, USAA has countless complaints filed against it in 27 states across the country.
I noticed that a Mississippi couple - Admiral James Lisanby and his wife Gladys have sued USAA for $910,000, pursuing punitive damages for USAA’s neglect and resistance
to pay them what they are rightfully due for the Katrina tornado that tragically took so many people’s homes. This apparently is the 1st Hurricane Katrina insurance lawsuit to go to trial (June 16, 2008).
David and Marilyn Aiken (Gulfport, Mississippi) filed a lawsuit against USAA on January 18, 2008 for conspiring to defraud them full payment of their $680,000 homeowner-insurance policy with USAA.
As for CCC Valuescope it is not independent in their valuations since they are a hired gun for the insurance companies! Upon conducting a VIN search on the vehicles within the CCC report, many of them had over 20 records indicative of numerous collissions, issues with the vehicle, and several changes of ownership. By relying upon CCC’s intentionally low valuation of my vehicle, USAA is breaching its fiduciary duty to act in good faith in handling my claim. No fair and honest evaluation of my claim can be performed by CCC as it is contracted by insurers for the primary purpose of minimizing monies paid out by insurers to its fiduciaries. Hence by using CCC Valuescope, USAA is clearly not exercising the “utmost due care” in the interest of me its insured as required by Baxter v. Royal Indemnity (FL case law).

Even if CCC Valuescope is currently an “Official Used Car Guide” in the State of Florida, USAA (and any other insurers for that matter) can still violate the Unfair Trade Practices Act and State administrative regulations by relying on the CCC Valuescope product.

Such was determined also by the Court in the State of West Virginia cited below:

Sharon A. Bolyard and Patricia One-Bull, individually, and on behalf of all others similarly situated v. Nationwide Mutual Insurance Company, Nationwide Assurance Company, Michael Higgins, Raymond Little, and Mary Shafer - No. 062305. Petitioners seek to docket the certified questions from the circuit court as follows:
1. Whether an insurance company can violate the West Virginia Unfair Trade Practices Act or the administrative regulations promulgated thereunder by using, in compliance with West Virginia Code of State Rules §114-14-7.4, the CCC Valuescope valuation product if the Insurance Commissioner approved the CCC Valuescope product as an "Official Used Car Guide" pursuant to West Virginia Code § 33-6-33, and as defined by West Virginia Code of State Rules §114-14-7.2(d)?
ANSWER OF COURT: Yes.

2. Can an insurance company be found to commit common law bad faith, fraud, or constructive fraud for using, in compliance with West Virginia Code of State Rules §114-14-7.4, the CCC Valuescope valuation product if the Insurance Commissioner approved the CCC Valuescope product as an "Official Used Car Guide" pursuant to West Virginia Code §33-6-33, and as defined by West Virginia Code of State Rules §114-14-7.2(d)?
ANSWER OF COURT: Yes.

CCC admitted itself in its SEC Filing on 3-16-2005 that “the Company sometimes pays a new customer for the remaining commitment of its previous contract with third parties as an incentive”. In regard to regulation, CCC mentions in the same filing “in most states, however, there is no formal approval process for total loss valuation products”. CCC itself confesses in the same report “individual state departments of insurance have taken positions as to whether the use of CCC Valuescope valuations is in compliance with a states claim handling regulations”.

“The Company is aware that since 2002 the California Department of Insurance has advised some of the Company's customers (which management estimates to be approximately 14% of the total revenue earned in 2004 from the Company's CCC Valuescope valuation product and service) that the Department believed that their use of CCC Valuescope had not been in compliance with the California insurance regulations in effect prior to October 4, 2004, with respect to certain components of the products methodology. The Company believes the product was in compliance with the applicable California regulations.”

“On April 24, 2003, the California Department of Insurance formally adopted new regulations that required the Company to change its methodology for computing total loss valuations in California.” There is good reason therefore to believe CCC Valuescope’s valuation methodology is terribly flawed and skewed to favor its insurance company customers.

In CCC’s annual report filed February 13, 2004 the legal proceedings and numerous class action lawsuits against CCC are documented in pages 35, 42, 43, and 44 of the 53 page report.

On page 35, CCC Valuescope admits to setting aside $4.3 million as an estimate towards potential settlement to “resolve potential claims arising out of approximately 30% of the transaction volume of CCC Valuescope”.

By acknowledging 30% of transaction volume becoming potential claims, CCC Valuescope thereby makes it public record that it anticipates a sizeable percentage of lawsuits for unfair and fraudulent valuations. Such a high percentage of transaction volume alone attests to the flawed methodology of CCC’s report, its unscrupulous dealings, and wholehearted commitment to protect the financial interests of the insurers it serves.

Ironically, four of CCC Valuescope’s automobile insurance company customers have made contractual and, in some cases, also common law indemnification claims against CCC for litigation costs, attorneys' fees, settlement payments and other costs allegedly incurred by them in connection with litigation relating to their use of CCC’s flawed TOTAL LOSS valuation product.

Certainly the countless class action lawsuits filed across the United States against CCC Valuescape provides further evidence concerning the grossly low and inaccurate valuations of vehicles they give the insurers they serve. Among the many are:

CCC Settles Class Action Suit on Valuation of Total Loss Vehicles (July 15, 2005)

Chicago-based claims software-maker CCC Information Services Inc. announced that it and 15 of its customers signed a settlement agreement with the plaintiffs in various class action suits pending in Madison County, Ill. These consolidated suits, Case Nos. 01 L 157, et al., relate to the valuation of vehicles that have been declared total losses by insurers.

Terms of the settlement agreement will require CCC to pay notice and administration fees and other costs associated with the settlement. The company estimates that these costs will total about $8 million, and including available insurance proceeds of $1.8 million, the company is fully reserved for these payments. Other settlement costs, including claims by class members, will be paid by the insurance companies that are participating in the settlement.

On or about August 23, 2000, a putative statewide class action was filed in the Circuit Court for Hillsborough County, Florida, against CCC and USAA Casualty Insurance Company. The lawsuit is captioned Peter Sintes et al. v. USAA Casualty Insurance Company and CCC Information Services, Inc., Case No. 00-006308. Plaintiffs allege that USAA contracted with CCC to provide valuations of "total loss" vehicles and that CCC supplied valuations that were intentionally below the actual fair market value of the insured vehicle. The plaintiffs assert various common law claims against USAA seeking unspecified damages. The plaintiffs also assert a single claim for injunctive relief against USAA and CCC. Plaintiffs also request an award of pre- and post-judgment interest and an award of attorneys' fees, litigation expenses, and costs. The group of plaintiffs' attorneys who filed the Sintes case includes several attorneys who have previously filed similar cases against CCC and various of its customers in the Circuit Court of Cook County, Illinois.

On January 31, 2000, a putative class action lawsuit was filed against CCC, Dairyland Insurance Co., and Sentry Insurance Company in the Circuit Court of Johnson County, Illinois. The case is captioned SUSANNA COOK V. DAIRYLAND INS. CO., SENTRY INS. AND CCC INFORMATION SERVICES INC., NO. 2000 L-1.

During January and February of 2001, the group of plaintiffs' lawyers who filed the COOK lawsuit filed ten (10) additional putative class action lawsuits against CCC and several of its insurance company customers in the Circuit Court of Madison County, Illinois. Those cases are captioned as follows:

LANCEY V. COUNTRY MUTUAL INS. CO., COUNTRY CASUALTY INS. d/b/a COUNTRY COMPANIES, AND CCC INFORMATION SERVICES INC., CASE NO. 01 L 113 (FILED 1/29/01); SCHOENLEBER V. PRUDENTIAL PROPERTY AND CASUALTY INC. CO. AND CCC INFORMATION SERVICES INC., CASE NO. 01 L 99 (FILED 1/18/01); EDWARDS V. MID-CENTURY INS. CO. d/b/a FARMERS INS. AND CCC INFORMATION SERVICES INC., CASE NO. 01 L 151 (FILED 2/6/01); BORDONI V. CGU INS. GROUP d/b/a CGU INS. CO. OF ILLINOIS AND CCC INFORMATION SERVICES INC., CASE NO. 01 L 157 (FILED 2/6/01); RICHARDSON V. PROGRESSIVE PREMIER INS. CO. OF ILLINOIS d/b/a PROGRESSIVE AND CCC INFORMATION SERVICES INC., CASE NO. 01 L 149 (FILED 2/6/01); BILLUPS V. GEICO GENERAL INS. CO. AND CCC INFORMATION SERVICES INC., CASE NO. 01 L 159 (FILED 2/6/01); HUFF V. HARTFORD INS. CO. OF ILLINOIS d/b/a THE HARTFORD AND CCC INFORMATION SERVICES INC., CASE NO. 01 L 158 (FILED 2/6/01); KNACKSTEDT V. ST. PAUL FIRE AND MARINE INS. CO. AND CCC INFORMATION SERVICES INC., CASE NO. 01 L 153 (FILED 2/6/01); MOORE V. SHELTER INS. COS. AND CCC INFORMATION SERVICES INC., CASE NO. 01 L 160 (FILED 2/6/01); TRAVIS V. KEMPER CASUALTY INS. CO. d/b/a KEMPER INSURANCE AND CCC INFORMATION SERVICES INC., CASE NO. 01 L 290 (FILED 2/16/01).

In each case, each plaintiff alleges that his or her insurance company, using a valuation prepared by CCC, offered an inadequate amount to settle his or her total loss claim. Each plaintiff seeks to represent a nationwide class of the defendant insurance company's customers, who, during the period from January 28, 1989, up to the date of trial, had their total loss claims settled using a valuation report prepared by CCC. Plaintiff asserts various common law and contract claims against the defendant insurance companies, and various common law claims against CCC. Plaintiff seeks an unspecified amount of compensatory and punitive damages, as well as an award of attorney's fees and costs.

Between October of 1999 and July of 2000, a separate group of plaintiffs' attorneys filed a series of putative class action lawsuits against CCC and several of its insurance company customers in the Circuit Court of Cook County, Illinois. The cases are captioned as follows: ALVAREZ-FLORES V. AMERICAN FINANCIAL GROUP, INC., ATLANTA CASUALTY CO., AND CCC INFORMATION SERVICES INC., NO. 99 CH 15032 (FILED 10/19/99); GIBSON V. ORIONAUTO, GUARANTY NATIONAL INS. CO. AND CCC INFORMATION SERVICES INC., NO. 99 CH 15082 (FILED 10/20/99); KEILLER V. FARMERS INSURANCE GROUP OF COMPANIES, FARMERS GROUP, INC., FARMERS INSURANCE EXCHANGE, FARMERS INSURANCE CO. OF OREGON, AND CCC INFORMATION SERVICES INC., NO. 99 CH 15485 (FILED 10/20/99); STEPHENS V. THE PROGRESSIVE CORP., PROGRESSIVE PREFERRED INS. CO. AND CCC INFORMATION SERVICES INC., NO. 99 CH 15557 (FILED 10/28/99); MYERS V. TRAVELERS PROPERTY CASUALTY CORP., THE TRAVELERS INDEMNITY COMPANY OF AMERICA AND CCC INFORMATION SERVICES INC., NO. 00 CH 2793 (FILED 2/22/00); LEPIANE V. THE HARTFORD FINANCIAL SERVICES GROUP, INC., HARTFORD INSURANCE COMPANY OF THE MIDWEST AND CCC INFORMATION SERVICES INC., NO. 00 CH 10545 (FILED 7/18/00).

Between June and August of 2000, a separate group of plaintiffs' attorneys filed three putative class action cases against CCC and various of its insurance company customers in the State Court of Fulton County, Georgia. Those cases are MCGOWAN V. PROGRESSIVE CASUALTY INS. CO., PROGRESSIVE INS. CO., AND CCC INFORMATION SERVICES INC., CASE NO. 00VS006525 (FILED 6/16/00), DASHER V. ATLANTA CASUALTY CO. AND CCC INFORMATION SERVICES INC., CASE NO. 00VS006315 (FILED 6/16/00) AND WALKER V. STATE FARM MUTUAL AUTOMOBILE INS. CO. AND CCC INFORMATION SERVICES INC., CASE NO. 00VS007964 (FILED 8/2/00). The plaintiff in each case alleges that his or her insurance company, using a valuation prepared by CCC, offered plaintiff an inadequate amount for his or her automobile and that CCC's TOTAL LOSS valuation product provides values that do not comply with the applicable Georgia regulations. The plaintiffs assert various common law and statutory claims against the defendants and seek to represent a nationwide class of insurance company customers. Additionally plaintiffs seek to represent a similar statewide sub-class for claims under the Georgia RICO statute. Plaintiffs seek unspecified compensatory, treble and punitive damages, as well as an award of attorneys' fees and expenses.

On August 2, 2000, a putative class action purportedly on behalf of certain residents of fourteen states was filed in the Franklin County Court of Common Pleas, State of Ohio, against Nationwide Mutual Insurance Company and CCC. WHITWORTH V. NATIONWIDE MUTUAL INS. CO. AND CCC INFORMATION SERVICES INC., CASE NO. CVH-08-6980. The Whitworth lawsuit was filed by a group of plaintiffs' attorneys that includes certain attorneys who previously filed three putative class actions against CCC and various of its customers in Fulton County State Court (reported above). The plaintiffs assert substantially the same claims and seek substantially the same relief as in those previously filed Fulton County actions. The plaintiffs further allege that CCC's TOTAL LOSS valuation service provides values that do not comply with applicable regulations in Ohio and 13 other states.

On or about March 27, 1998 a case entitled GARDNER V. ALLSTATE INDEMNITY
CO., CIVIL ACTION 98-D-480-N (M.D. ALA.), was filed in the Circuit Court of Montgomery County, Alabama. CCC is not named as a defendant in the case, and no relief is sought against CCC by the plaintiffs. In the Complaint, plaintiffs asserted claims against one of CCC's customers, Allstate Indemnity Co., for unjust enrichment and constructive trust and for breach of contract based on Allstate's use of an unidentified total loss valuation product. Allstate removed the case to the United States District Court for the Middle District of Alabama in April 1998 (GARDNER V. ALLSTATE INDEMNITY CO., CIVIL ACTION 98-D-480-N).

Plaintiffs moved for class certification on August 28, 1998. Plaintiffs' class certification motion was granted on April 28, 2000. Pursuant to the April 28, 2000 order, the district court certified a plaintiff class of all Alabama customers who, from March 26, 1992 through the time of final judgment in the case, (1) have been insured under or paid pursuant to an Allstate auto policy, (2) whose vehicles have been declared a total loss by Allstate; and (3) to whom Allstate has paid out a claim for a total loss adjusted based on CCC valuations.

CCC Fairness Hearings
Final fairness hearing for the settlement of several class actions filed against CCC Information Services, Inc. was set for December 20, 2005 in the Circuit Court of Madison County, Illinois. The suits were styled:
(1) LANCEY v. COUNTRY MUTUAL INS. CO., AND CCC INFORMATION SERVICES INC., Case No. 01 L 113 (filed January 29, 2001);
(2) KMUCHA v. COLONIAL PENN INSURANCE COMPANY AND CCC INFORMATION SERVICES INC., Case No. 03 L 1267 (filed September 18, 2003)
(3) JACKSON v. ATLANTA CASUALTY COMPANY, INFINITY PROPERTY & CASUALTY CORPORATION AND CCC INFORMATION SERVICES INC., Case No. 03 L 1266 (filed September 18, 2003)
In connection with the settlement, CCC Valuescope was added as a party to the following additional cases, which assert claims and seek relief substantially similar to the above cases, namely:
(i) BORDONI v. CGU INSURANCE COMPANY OF ILLNOIS AND CCC INFORMATION SERVICES INC., Case No. 01 L 157;
(ii) SCHOENLEBER v. PRUDENTIAL PROPERTY AND CASUALTY INSURANCE COMPANY AND CCC INFORMATION SERVICES INC., Case No. 01 L 99;
(iii) RICHARDSON V. PROGRESSIVE PREMIER INSURANCE COMPANY OF ILLINOIS AND CCC INFORMATION SERVICES INC., Case No. 01 L 149,
(iv) KNACKSTEDT v. ECONOMY PREFERRED INSURANCE COMPANY, METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY AND CCC INFORMATION SERVICES INC., Case No. 01 L 153;
(v) HUFF AND MADISON v. HARTFORD INSURANCE COMPANY OF ILLINOIS, HARTFORD INSURANCE COMPANY OF THE MIDWEST AND CCC INFORMATION SERVICES INC., Case No. 01 L 158;
(vi) JACKSON v. NATIONALGENERAL INSURANCE COMPANY AND CCC INFORMATION SERVICES INC., Case No. 02 L 628;
(vii) PARCHMENT v. TRAVELERS PROPERTY CASUALTY INSURANCE COMPANY OF ILLINOIS, TRAVELERS PROPERTY CASUALTY COMPANY, AND CCC INFORMATION SERVICES INC., Case No. 02 L 1135; and
(viii) CARTER, VANOVER AND URKE v. ALLSTATE INSURANCE COMPANY, NATIONAL-BEN FRANKLIN INSURANCE COMPANY OF ILLINOIS AND CCC INFORMATION SERVICES INC., Case No. 02 L 717
The proposed settlement class consists of all customers of the settling carriers who had a total loss claim from January 28, 1989 to July 18, 2005, for which the Company provided a valuation to the carrier. This settlement includes no admission of liability or wrongdoing by the Company or its customers. Upon final approval of the settlement, the above-described cases will be dismissed and the Company will receive releases with respect to the matters raised in the lawsuits. The Company, in turn, has agreed to pay for all costs of settlement administration and certain other costs associated with the settlement. The Company estimates that these costs will total approximately $8.0 million. Other settlement costs, including the payment of claims made by class members, will be paid by the insurance companies that are participating in the settlement.
On July 18, 2005, the Court granted preliminary approval to the settlement, and a final approval hearing is scheduled for December 20, 2005. In the third quarter of 2004, the Company increased its reserve for this potential litigation settlement by $1.9 million to $6.2 million, which is net of an expected insurance reimbursement of $1.8 million. The settlement administrator has undertaken certain settlement administration activities and has sent notices to the class. The Company has paid approximately $2.7 million related to this work, which has been charged against the settlement reserve. Additionally, the Company has reached an agreement in principle to contribute approximately $2.9 million to the settlement of an additional case that has previously been disclosed, styled "PAK et al. v. FARMERS GROUP INC. and FARMERS INSURANCE EXCHANGE, Case No. CV98-04873 (Second Judicial District of the State of Nevada in and for Washoe County). As a result, the current recorded reserve has been increased by $2.9 million in the third quarter of 2005 to account for this anticipated settlement.

CCC Consumer Suits Against It:
Plaintiffs filed a writ of certiorari with the Georgia Supreme Court over the Georgia Appeals Court's affirmation of the dismissal of the charges in three class actions filed against CCC Information Services, Inc., namely:
(1) McGOWAN v. PROGRESSIVE CASUALTY INS. CO., PROGRESSIVE INS. CO., and CCC INFORMATION SERVICES INC., Case No. 00VS006525 (filed June 16, 2000);
(2) DASHER v. ATLANTA CASUALTY CO. and CCC INFORMATION SERVICES INC., Case No. 00VS006315 (filed June 16, 2000);
(3) WALKER v. STATE FARM MUTUAL AUTOMOBILE INS. CO. and CCC INFORMATION SERVICES INC., Case No. 00VS007964 (filed August 2, 2000)
The Plaintiffs in these three cases, initially filed in the Superior Court in Fulton County, Georgia, seeks to represent a nationwide class of insureds against the Company and the named insurance company defendant and alleges that CCC's Valuescope valuation service provides values that do not comply with applicable state regulations governing total loss claims settlements. Plaintiffs assert various common law and statutory claims against the Company and the insurance company defendants, including claims under the Georgia Racketeer Influenced and Corrupt Organizations (RICO) statute. Plaintiffs seek unspecified compensatory, treble and punitive damages, attorneys' fees and expenses.

As Attorney Edward M. Ricci, Esq. has written: http://www.riccilaw.com/CM/Articles/Articles37.asp

Insurance companies are in the business of protecting their insureds by spreading risks. In so doing, they are entitled to make a fair and reasonable profit. However, in the conducting of their business, insurance companies "owe a duty to the insured to exercise the utmost good faith." Baxter v. Royal Indemnity Company, 285 So.2d 652 (Fla. 1st DCA 1973).

Florida courts did not choose the word "utmost" loosely. The word is defined in the dictionary as "of the highest or greatest degree-the greatest possible amount-the maximum." American Heritage Dictionary of the English language.

The key to understanding insurance bad faith is to first understand the duty owed by an insurance company to its insured. Before one can understand bad faith, one must understand the definition of good faith. Paraphrasing the Florida Standard Jury Instruction MI3.1

"Good faith consists of settling a claim within policy limits when under all the circumstances the insurance company could and should have done so had it acted fairly and honestly towards its insured and with due regard for its insured's interest."

Phrasing the issue as simply as possible: an insurance company must put the interest of the insured ahead of its own. When it fails to do so, it is presumed to have acted in bad faith.

Why have the courts come down so strongly against insurance companies? Why have the courts imposed such strict duties upon insurance carriers? The answers lie in the nature of the insurance business. Insureds - ordinary citizens - sign contracts of adhesion when they buy insurance policies.

"When the insured has surrender to its insurer all control over the handling of the claim, including all decisions with respect to litigation and settlement, then the insurer must assume a duty to exercise such control and make such decisions in good faith and with due regard for the interest of the insured." Boston Old Colony v. Gutierrez, 336 So.2d 783 (Fla. 1980).

The consumer does not get to pick the language of an insurance policy. The ordinary consumer, unlike huge corporations, are faced with a "take it or leave it" deal. Accept the insurance in the form presented, or get no insurance at all. The standard policy reserves to the insurance company all control over the handling of claims. As a consequence the courts impose strict duties upon insurance carriers to act "fairly and honestly toward the insured and with due regard for his interests." FSJI MI3.1.

In conclusion, given the countless and ongoing class action lawsuits against CCC Valuescope there should now be no question that CCC Valuescope is not independent in its auto valuations and is guilty of violating the U.S. federal RICO Act and National Insurance Regulations, along with many of the complicit insurance companies such as USAA who willingly and knowingly use their product with the intent to deceive

What then do you propose to do about it to protect the insured motorists across the United States against fraud?

Sincerely concerned.

Paul F Davis

RevivingNations@yahoo.com

www.PaulFDavis.com

Paul F. Davis is a world-changer who has touched over 50 countries & 6 continents building bridges cross-culturally and empowering people throughout the earth to live their dreams!

Paul is the author of 14 books. Paul has appeared on numerous internationally broadcast radio shows from Oprah & Friends to Fox News Radio to talk about conflict resolution, peacemaking, foreign policy, and diplomacy. Playboy Radio’s Afternoon Advice host Tiffany Granath calls Paul an "awesome" relational coach and recommends his books on love, dating, and sexuality.

Academically outstanding Davis was trained in transformative mediation & conflict resolution (Hofstra Law School); strategic negotiations (Harvard Business School & U. of Washington); advanced interrogation (Reid & Associates founders of the polygraph); and NLP & Life Coaching (NLP & Coaching Institute of California).

Paul humorously and elegantly transforms individuals and organizations.

Paul's organization Dream-Maker Inc. builds dreams, transcends limitations, & reconciles nations.

Paul worked at Ground Zero in NYC during 9/11; helped rebuild a home at the tsunami epicenter; comforted victims of genocide in Rwanda; spoke to leaders in East Timor during the war; inspired students & monks in Myanmar; promoted peace & reconciliation in Pakistan; and has been so deep into the bush of rural Africa where villagers had never before seen a white man.

Paul empowers people to love passionately and live fearlessly.

http://www.PaulFDavis.com
RevivingNations@yahoo.com

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