organizational infrastructure, scheduling, and inter-committee communications. Furthermore we will
provide detailed analysis of the activities of Occupy Chicago so that we may properly augment our
efforts for the highest lever of efficiency and progress.
I have provided links to some of the news articles as well as excerpts (in bold italics) that covered this case along with explanations into what I have found o give a basic overview of the current situation.
Kamaray T. Page
The Articles and Links
“October 13, 2006 (WLS) -- Did a group that promised big pay outs to African-American church members in the Chicago area deceive its investors? Last week, a judge froze bank accounts linked to the group More Than Enough and its founder Roy Fluker Jr. The Illinois attorney general claims the group is nothing more than a pyramid scheme. While some investors are upset, several who attended a meeting Thursday night stand firmly behind the investment group.”
The time and date given for the date of freeze on MTE accounts is a lie. The Fluker's accounts were frozen at the end of August 2006, and not the week of October 4th, 2006 like this article would like you to believe. At which point, the freeze ceased any and all of MTE's company transactions. MTE had two programs, one known as Spend and Redeem, and another, known has the Housing Program which dealt with mortgage payments. Mortgage payments that the company was paying on behave of their clients. Payments that ceased to be paid once the Attorney General froze MTE's accounts, which drove their clients into becoming angry.
“In court Friday defense attorneys say Fluker might agree to return investors' money. The attorney general says from what their office can tell there is not enough cash on hand to cover all of the investors.”
Roy Fluker Jr.'s only objective after the August 2006 freeze was to get his clients back their money. The very same money that was being held hostage in my view by the State Attorney General, Lisa Madigan, and the State of Illinois. By October 2006 when this story broke, MTE's clients had already begun to feel the affects of the freeze which prevented MTE from making good on their promised investments, as well as preventing MTE from making good on the mortgage payments promised to their customers.
“Last week Beverly Riley went to court looking for answers from founder Roy Fluker, Junior. She and a few friends invested $9,000 and have only seen a fraction of that back. "There are so many people that still believe in him and they venues they joined. They really need to wake up and smell the coffee," said MTE Participant Beverly Riley last week. “
Beverly was only apart of the program for about three months before the state government placed the freeze on MTE's bank accounts. It was nearly two months later at the time of this interview. Out of the three months of her enrollment into MTE's program, Beverely was paid $4,000, more than just a fraction, more like half of her money.
“We don't know if coffee was served Thursday night -- but everyone ABC7 talked with say they believe the government is unfairly cracking down and race plays a role.
"Look at all these people! When have you seen this many black people together? Hello!" said Nancy J., MTE participant. Does that make Nancy J. confident enough to invest her money? "It does, it does. Look at our people coming together," she said.
"There's really no need to worry, there's no need to worry," said Jacqueline Boykin, mte participant. Jacqueline Boykin is among those who attended the meeting. Her faith, she says, is in Roy Fluker Jr. and his program. "Imagine doing something to help the community and people come down on you and they clamp down on you. I pray for his health and his strength," Boykin said. “
These people along with many others suffered from Lisa Madigan's imposed freeze as MTE dwindled out of business in 2007. Unable to do business and desperate to return investors and clients their money, MTE turned over the frozen funds finally, after months of litigation.
I also spoke to Nancy J. earlier last summer. She still very much so supported MTE. It is in my view that the government misused their power and authority to bury this company.
For those of you wondering, a pyramid scheme works as long as new money continues to come in. If I invest $1 but am paid back $2 by investors new to the group, I'm a happy man. The problem arises when the pool of new investors dries up. Then those who invested later are left high and dry.
MTE's employees made salary checks, not commission, including Roy Fluker Jr., which totally debunks the legitimacy of there being a pyramid scheme. Also, at the time of the freeze in 2006, MTE was negotiating deals with the country of Ghana in Africa to begin operations in gold refining and foreign trade. Think about how much the price of gold has risen in the past 5 years. Now think about how much money regular guys like you and I would have been able to make had we been able to invest a mere $500 into this program. There is actual testimony about this foreign trade deal located within the criminal court case transcripts. This fundamental fact makes the government's case of "ponzi scheme" flawed because the company, MTE, was actually working towards fulfilling the promises made to their clients. A promise only hindered by the government.
"After months of court hearings, More Than Enough founder Roy Fluker, Junior agreed to never again sell securities in Illinois and in March of this year agreed to turn over his frozen funds to the court clerk. It amounts to nearly $2.5 million. But participants haven't seen a dime of it."
Please note, that around August 2006, during the pinnacle of this current foreclosure crisis, MTE had only been in operation for a total of 18-months (1 year, 6 months) before the company's accounts were frozen by the Attorney General. Afterwards MTE was unable to pursue their investment opportunities. Later on, in 2007, after months of deliberation, trying to persuade the Attorney State General to release the seized funds to MTE clients, was MTE shutdown. Only after the Attorney General offered a deal to have Roy Fluker Jr. plead guilty to her charges, did she agree to release the funds or make any such effort to do so. She also had
Roy Fluker Jr. release the banking institutions (TCF and others) from any liability or wrong doing due to their involvement in burying this company. Again, it was only after this that the Attorney General agree to return the frozen funds to the investors. To add to this, Roy Fluker's attorney
promised the him and his family, that no charges would be brought up against them. Fluker’s attorney did this to convince Roy Fluker Jr. to settle into this agreement. However, they were later brought up on criminal charges, not only Roy Fluker, the owner of MTE, but also his
children whom were just mere employees of MTE. Not controlling factors. His attorney later testified against him in court, and yes I do have proof of this that I can show you.
"These were just everyday folk, common folk, working folk just trying to do a little better financially," said Yusuf Hasan, investor. Hasan gave nearly $5,000 to the folks from More Than Enough. He heard the sales pitch during a meeting at Providence Missionary Baptist Church -- but the sales presentations took place at many African-American churches.
Criminal Case transcript excerpt: Examination of Yusef Hasan
Q Was it essentially on the same subject, in other words,
14 the MTE program?
15 A Yes, spend and redeem and mortgage program.
16 Q And did you -- and you had at one point in time invested
17 $10,000, correct?
18 A That's correct.
19 Q And you had received by way of payments, monthly payments
20 all of your $10,000 back, correct?
21 A Yes.
22 Q And another $6,000 --
23 A That's correct.
24 Q -- in addition to that?
25 A That is correct.
This excerpt from Yusef Hasan's court testimony shows that he actually received more money than he had actually invested. Noted that Yusef Hasan later became a government witness, to add to that, at the time of the freeze he even threatened Fluker's disabled wife. This was later shrugged off in court by the judge and prosecutors. The Flukers along with MTE board members, all attended Baptist churches, henceforth the large number of church going African Americans to participate in the program. They were simply the first people to learn of the program. Churches were not targeted. MTE was actually expanding its corporation into other cities to provide financial and mortgage relief opportunities to other cities across the country at the time of the freeze including Milwaukee, WI and Atlanta, GA.
"They have caused a lot of hardship," said Hasan. It has been seven months. "What is the problem? Why are you holding this money for this length of time? It doesn't make sense," said Hasan.
Hasan expresses disapproval with the Flukers and MTE, although in fact it was the Attorney General who held the investor’s money, frozen in some TCF account (along with numerous other banks) that the Flukers couldn't touch to give to investors. Not one solitary dime to pay and of the companies expenses, most importantly the needs of MTE's clients.
“From 2005 to 2008, all three participated in a scheme in which they fraudulently obtained about $18 million, as well as some victims’ homes, through companies called All Things in Common, which did business as More Than Enough and Locust International, according to the release. “
In this recent report, again the facts are misconstrued when given to the public. MTE was only in full operation for 18 months (March 2005 to August 2006) and thus was only able to collect money(investments) from investors during that period which conflicts with this report that states 3 years. Truthfully, MTE, after the freeze had to cease all of its operations because they literally had no funding the continue running the company. This meant that none of their employees got paid. Their office utilities never got paid and was thus shutdown. Their clients never got paid, and everyone, including all of us, never even got the opportunity to participate in programs meant to fundamentally take us out of this foreclosure crisis and into wealth security.
“They misappropriated much of the participants’ money and property for their own use, as well as to make Ponzi-type payments to earlier participants, the release said.”
Roy Fluker Jr. and MTE, invested into real estate opportunities across the country including the potential investment into foreign exchange trading of gold. This investment among numerous others were prevented by the Attorney General Lisa Madigan, and TCF Bank, by use of the Patriot Act to falsely accuse MTE of fraudulent terrorists activity, and to thus freeze MTE's company banking accounts. Which all prevented MTE from fulfilling any of its capitol investment ventures. and thus prevented investors from ever receiving the fullest potential of their investments. The investments that MTE was putting together on behave them, the MTE investors, majority of whom lived in Chicago, IL. Thus, robbing the citizens of Chicago, IL of the American dream, which is the pursuit of happiness, and financial wealth and security.
Now please note, that MTE had a Housing Program, which used a real estate mortgage payment process that allowed for America's homes to be paid off within and 5-7 year time limit. This process it very much so legitimate as described in the criminal case transcripts by Roy Fluker's patent attorney who testified in court. It was a process that was developed by Ro Fluker Jr. before MTE was ever put into operation. The only people who would have possibly been able to utilized this process, in my view, to its fullest extent was Roy Fluker Jr. and his children.
Fluker and his children were the only people from MTE to be later charged with constructing and operating a ponzi/pyramid scheme by the Federal Government in 2010. The company, MTE, operated democratically with a board of directors, none of whom were charged with any criminal activity. The company also had a president, who was also not charged with any wrong doing. The only people who was charged were the people who could have potentially used Fluker's real estate mortgage payment process to bail out our homes and get America out of this foreclosure crisis, Fluker and his children, who held no controlling power within the company, no position of power, and made quite modest salaries.
They were all charged however, because the government's claim was that they, MTE, did not fulfill its promises to investors, even though it was the very same Government that drove MTE out of business. Which prevented any potential investments from ever happening. Roy Fluker Jr. was the only owner of MTE, not Roy Fluker Jr. and his children. So for what other reason would his children also be charged except for the fact that they, along with their father, probably, potentially, could use Fluker's mortgage payment process to bail out America at a time when the banks were, and still are, further sinking us into debt, right along with Uncle Sam.
By this time I'm sure your wondering "What prompted the initially investigation into MTE?",...
What prompted the initial investigation into MTE in the first place was a terrorism alert put on MTE's accounts by TCF Bank's president, which placed an automatic freeze MTE's accounts, insuring that the company could not withdraw any of the money held by TCF Bank. This terrorist alert was investigated at the State level, not the Federal Government, which I believe is very suspicious since all terrorists actions are suppose to be investigated by the Federal Government. So why and how, and could the Illinois State Attorney General conduct a terrorist investigation legally by herself. My answer, no. That’s a job for the FBI, so why did she do it, and dismiss it? In my opinion, to basically freeze MTE’s accounts to maliciously get rid of that company. The company that could help America right now. That could prevent, or at least help to stop foreclosure in America, right now.
The very nature of the company, MTE, was the elimination of this foreclosure crisis, as well as eliminate the job loss here in America by inspiring the thought foreign trade being done with the little guy, who otherwise would never have had an opportunity to participate in foreign trade.
MTE also taught and instructed their clients on how to properly invest, not only in real estate, trade, but also into small business. They held monthly courses to teach people how the invest into their own businesses as well. This would have put an end to this financial crisis here in America for it would have stopped foreclosure and stopped unemployment, but it seems to me that our government wanted to look after the interest of the banks to keep this from happening.
The Situation Now:
Roy Fluker Jr. and his children, Ronnanita T. Fluker and her brother Roy Fluker III, are all incarcerated in Federal penitentiary. Ronnanita Fluker's current appeal comes up in the month of March. From what I have gathered so far, her current appeals attorney is not going to use any of this evidence among other evidence to try and reverse her criminal conviction at her appeals hearing. He is a court appointed attorney and from what I have been told, he has repeatedly made statements claiming that she is guilty and he refuses to take any of her advice regarding her case and the evidence presented at court.
She has filed for a change of counsel, for the reasons mentioned above and also because he neither contacts her nor her mother regarding Ronnanita’s case. Debora Fluker, the only member of the Fluker family not currently incarcerated besides her youngest son, who happens to be disabled, whom Ronnanita Fluker was taking care of lives here in Michigan. She is unable to travel to Chicago on her own to deal with this situation. Everyone else in her immediate family is currently incarcerated.
Since requesting a new appeals attorney, the Judge over Ronnanita’s appeals case has denied her the legal right to change of counsel, and to make matters worse, her current appeal attorney isn't even a criminal appeals attorney, nor has he had any experience with a criminal appeals case. He’s a corporate appeals attorney. Ronnanita Fluker's case, or rather conviction, is the easiest to overturn in regards to proving that the government falsely charged the Flukers and misused the justice system to convict this family based on the evidence. Her conviction is also the most crucial, because in convicting her, was there numerous amounts of contradicting evidence and witness testimony given through out the trial that was never taken into consideration because of the prosecution‘s jury instruction. A jury instruction implemented by the prosecution to otherwise give the jury the right to disregard all of the defense's evidence to prove that she was not a criminal, nor did she commit any fraudulent acts against the public. To basically ignore potentially solid evidence proving Ronnanita‘s innocence. Many of the legal statues used in regards to her criminal case where also grossly misused in court.
Again, her appeal is coming up in March, that gives us 3 months to try and put something together to prevent this tragedy from happening. We can't just sit by while our government supports bank corruption, bailouts, and shady mortgage practices, while prosecuting the public for trying to do the right thing by helping people. People like the Flukers. Since being incarcerated Roy Fluker Jr. has suffered massive injuries and his current life expectancy is eight to ten years under prison conditions. In light of this, the sentencing judge over his case gave Roy Fluker Jr. 15 years in prison. His daughter Ronnanita Fluker was given eight years in prison, she is now 36, with no children, and by the time of her release her dreams of having a family will be gone. Ronnanita Fluker was also given an 8 million dollar restitution, her position in the company was that of a general assistant. How could she, of all people get eight years and an 8 million dollar restitution when there was a company board that controlled MTE, and a president. Her company position was general assistant, the crime she was charged for is mail fraud and wire fraud.
Mail fraud because she sent out "Thank you for enrolling into MTE" acceptance letters to MTE's clients and wire fraud for depositing MTE funds into the company bank accounts. No signatures made on any checks on her behave, none in her possession. She, Ronnanita Fluker, even enrolled into the MTE investment program herself. Honestly, if this was the scheme to defraud the public then why would she invest into the program herself? Again, she was a general assistant, charged with an 8 year sentence and 8 million dollar restitution. How is this possible? In which ponzi scheme ever, has the secretary been charged before the company president and active board members?
Roy Jr.'s son, Roy Fluker III, just left his wife and baby boy this past Thanksgiving weekend to beginning his prison sentencing. Again, not one of the company board members was ever charged, not even the company president, not to mention that the company president claimed in court that Ronnanita T. Fluker was her boss. How is this possible, when the company president made double Ronnanita's salary, and held the position of company president? What company president in the world takes orders from the general assistant? Also, this testimony of Ronnanita's superiority made by the company president contradicts the testimony made by an MTE board, along with supporting testimony to Ronnanita’s modest role in MTE made by MTE employees.
From this, I believe there is definitely some fraudulent actions taking place behind the scenes and as far as I am concerned the people of Chicago have been defrauded by their very own government and robbed of the opportunity to participate in the American dream of home ownership and wealth, and financial security.
The 1% wanted and did rob America of its jobs and homes. Our jobs and homes. The Flukers was our solution, so the banks used our government to bury them and they need our help.
This case clearly and fundamentally illustrates the "Tyranny of the 1% and the government that supports it. It clearly proofs and illustrates the importance of Occupy Movement to stand in the wake of this American persecution of this family, a family that could very well still bring us out of this foreclosure crisis. A family that we must save from this trouble fate. We can no longer standby while banks destroy people's lives. While the government we pay our tax dollars to, help banks to further disfranchise us. Let's unite to bring and end to this type of injustice once and for all time. Let's show America, the 1%, the world, that Occupy will not fall, we will not fail, because we progress, and we WILL SUCCEED!!!
If anyone would like to know more, I would be more than happy to share my findings as well as do something to rectify this situation.
Kamaray T. Page
P.S. GO OCCUPY!!!
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