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Healthy female "dog" to breed with Parson Russell Terrier, to produce ASSISTANCE DOGS.   Rochedale South QLD 4123
I wish to breed from my Parson Russell Terrier. He is a trained assistance dog. He has a wonderful nature. The breed of his mate could be varied or a cross; eg Parson Russell Terrier, Jack Russell Terrier, Beagle, Bull Terrier, Bull mastiff, Staffy, and/or Fox Terrier plus many others. She does not need to be "pedigreed". I am very protective of my dogs. She will become very valuable to me and become one of my assistance "dogs". If we can assist each other, please contact me on my contact form, including your email address and your landline phone number so I can phone you to discuss. 

Because I am disabled and have an LLB [so therefore understand the Law surrounding disabilities and assistance dogs] I am now branching out to providing Assistance dogs to disabled persons [even if disabled in only a minor way and so not even realizing it]. This is not a business proposition but rather just a very necessary service I can offer to the community.
Many people have a disability and do not realize their ailment or "problem" is by law, the Disability Discrimination Act 1992 (Cth) [DDA], classified as a "disability". This is especially so for people getting on in years, and who have a dog, and are maybe moving to accommodation where they are told they cannot take their dog. In a majority of cases, those people cannot be legally forced to surrender their animal/dog.
I will be assisting those person who already have dogs, but are being forced, unlawfully, to dispose of them because maybe they are moving accommodation. I can train your existing dogs to be assistance dogs and provide the documentation as required by the Disability Discrimination Act 1992 (Cth) [DDA]. I do not intend to charge for this, but just maybe cover some marginal costs.

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 The Downside Risk for Lawyers Directors the Instigators, perpetrators and perpetuators of this fraud.:


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It is my strongly held belief that there is rampant fraud and corruption in big business, government, the public sector,  the law profession and the courts.   Many think they can just turn a blind eye, and leave it to someone else to  decide,  and then they will have no downside risk.    I have been so repeatedly defrauded, it is not possible for me to gain recompense from those who have defrauded me.  Those who have defrauded are a particular type of person.   I see many of persons of that nature defrauding other people.    I gain a sense of "recompense" by exposing those when they are in the process of defrauding.
From all the evidence, I believe this Janell Marie Folbigg nee Saverin has lied in regard to a three car traffic collision to avoid been breached for committing a traffic offence and to save losing her no-claim insurance bonus.   Two insurance companies and two firms of lawyers are involved.   I believe the insurance company claims in Court are an abuse of the process of the court, and that all involved lawyers are committing Professional Misconduct.
I mention the names first off, so the Search Engines will index these names.  Publicity, like sunshine, has such a sterilizing effect.  This website HairReport is subtitled "The Evidence".
I list below, the names of the lawyers about whom I will probably make complaint of Professional Misconduct, to the Legal Services Commission [LSC].  

The lawyers who risk being stuck off upon a finding of Professional Misconduct, include:

Neal McGinley

Holman Webb Lawyers Brisbane   info@holmanwebb.com.au
Mark Victorsen      Mark.Victorsen@holmanwebb.com.au
lngrid Martin,  lngrid.Martin@holmanwebb.com.au
Marissa Coward,  marissa.coward@holmanwebb.com.au
William Brock William.Brock@holmanwebb.com.au


ULR Lawyers Pty Ltd, 17 Godwin Street, Bulimba cr@uni.com.au univ@uni.com.au
Simeon Adams,
Melissa Ban,

For NRMA Insurance [a brand name for Insurance Australia Group [IAG]]

IAG  Executive team

    Michael Wilkins, Managing Director and CEO, Insurance Australia Group.
    Ben Bessell, Acting Chief Executive, Commercial Insurance.
    Andy Cornish, Chief Executive, Personal Insurance.
    Peter Harmer, Chief Digital Officer.
    Jacki Johnson, Chief Executive, New Zealand.
    Duncan Brain, Chief Executive, Asia.

From the IAG website I have obtained on 19th August, 2015, the following:

IAG Board of Directors

IAG's Board of Directors is accountable to shareholders for the performance, operations and affairs of the Group. The directors represent and serve the interests of the shareholders and collectively oversee and appraise the strategies, policies and performance of the Group.

Brian Schwartz Am
Brian Schwartz AM
Chairman
FCA, FAICD, age 62 – Chairman and Independent non-executive director
----------------------------
Mike Wilkins
Mike Wilkins
Managing Director
BCom, MBA, FCA, FAICD, age 58 - Managing Director and Chief Executive Officer
----------------------------
Elizabeth Bryan AM
Elizabeth Bryan AM
BA (Econ), MA (Econ), age 68 – Deputy Chairman and Independent non-executive director
----------------------------
Yasmin (YA) Allen
Yasmin Allen
BCom, FAICD, age 51 – Independent non-executive director
----------------------------
Alison Deans
Alison Deans
BA, MBA, GAICD, age 47 – Independent non-executive director
----------------------------
Hugh Fletcher
Hugh Fletcher
BSc/BCom, MCom (Hons), MBA, age 67 – Independent non-executive director
----------------------------
Raymond Lim
Raymond Lim
BEcon, BA, LLM, age 56 – Independent non-executive director
----------------------------
Tom Pockett
Tom Pockett
CA, BCom, age 57 - Independent non-executive director
----------------------------
Philip Twyman
Philip Twyman
BSc, MBA, FAICD, age 71 – Independent non-executive director
----------------------------

Other directorships for the above directors:

Brian Schwartz AM

Directorships of other listed companies held in past three years:

    Westfield Group, including Westfield Management Limited (which acts as the responsible entity of Carindale Property Trust), since 6 May 2009;

    IAG Finance (New Zealand) Limited (a part of the Group), since 26 August 2010;

    Scentre Group, since 20 June 2014; and

    Brambles Limited (2009 - 2014).

------------------------------------------------------------------------------
Mike Wilkins
Managing Director
BCom, MBA, FCA, FAICD, age 58 - Managing Director and Chief Executive Officer

Directorships of other listed companies held in past three years:

    IAG Finance (New Zealand) Limited (a part of the Group), since 28 May 2008.

------------------------------------------------------------------------------
Elizabeth Bryan AM

 other listed companies held in past three years:

    Virgin Australia, since 2015
    Westpac Banking Corporation, since 2006
    Caltex Australia Limited, since 2002
------------------------------------------------------------------------------
Yasmin (YA) Allen
Yasmin Allen

Directorships of other listed companies held in past three years:

    ASX Limited, since 9 February 2015; 

    Santos Limited, since 22 October 2014;

    Cochlear Limited, since 2 August 2010.

------------------------------------------------------------------------------
Alison Deans
BA, MBA, GAICD, age 47 – Independent non-executive director

Directorships of other listed companies held in past three years:

    Westpac Banking Corporation, since 1 April 2014
    Cochlear Limited, since 1 January 2015
------------------------------------------------------------------------------
Hugh Fletcher
BSc/BCom, MCom (Hons), MBA, age 67 – Independent non-executive director

    Rubicon Limited, since 23 March 2001;

    Vector Limited, since 25 May 2007;

    IAG Finance (New Zealand) Limited (a part of the Group), since 31 August 2008; and

    Fletcher Building Limited (2001-2012).
------------------------------------------------------------------------------

Raymond Lim
BEcon, BA, LLM, age 56 – Independent non-executive director

Directorships of other listed companies held in past three years:

    Dart Energy Limited, (2012 - 2013).
------------------------------------------------------------------------------
Tom Pockett
CA, BCom, age 57 - Independent non-executive director

Directorships of other listed companies in the last three years:

    Stockland Corporation Limited, since 1 September 2014
    Woolworths Limited (2006 - 2014)

------------------------------------------------------------------------------
Philip Twyman
BSc, MBA, FAICD, age 71 – Independent non-executive director

Philip is on the boards of Swiss Re in Australia. He was formerly an independent non-executive director of Perpetual Limited from 2004 to 2012, Medibank Private Limited from 2007 to 2012 and Insurance Manufacturers of Australia Pty Limited, a general insurance underwriting joint venture with RACV Limited from April 2007 to July 2008.
OTHER BUSINESS AND MARKET EXPERIENCE

Philip is also on the board Tokio Marine Management (Australasia) Pty Ltd.

Directorships of other listed companies held in past three years:

    Perpetual Limited, (2004 – 2012).

RACQ and RACQ Insurance Ltd Directors

[from their websites 19th August, 2015,

RACQ Directors

President

Nigel Alexander Nigel WF Alexander

BBus, MAppFin, FCPA, FAICD

South East Zone

President and Chairman and Member of the Group Governance and Remuneration Committee (Director, South East Zone, since 2000). Chairman of RACQ Insurance Limited and Club Insurance Holdings Pty Ltd, Mr Alexander sits on the Level 2 Risk and Compliance Committee and is also Director and Vice President of the Australian Automobile Association.

Mr Alexander is current Chief Executive Officer of North Australian Pastoral Company Pty Limited.  He is a qualified accountant, having previously worked in corporate finance roles with both Australian and international banks.

Vice President

Bronwyn Morris Bronwyn K Morris

BCom, FCA, FAICD

South East Zone

Vice President and Deputy Chairman and Chair of the Group Governance and Remuneration Committee, Member of the Group Audit Committee (Director, South East Zone, since 2008). Director of RACQ Insurance Limited, Club Insurance Holdings Pty Ltd and Member of the Level 2 Risk and Compliance Committee.

Ms Morris specialised for more than 20 years as a chartered accountant in audit and corporate services. Ms Morris is a Queensland Councillor of the Australian Institute of Company Directors and is Chairman of the Finance and Audit Committee of the Gold Coast 2018 Commonwealth Games Corporation. She now serves as a Director of a number of entities including Watpac Limited, LG Super, Children’s Health Foundation Queensland and Collins Foods Limited.

Directors

Faye Barker Fay L Barker

OAM, FAICD

North Zone

Member of the Group Investment Committee and Group Governance and Remuneration Committee (Director, North Zone, since 2001).

Ms Barker is Chairperson of the Townsville Hospital Foundation and is a former Townsville City Councillor. Her other current directorships include the Marathon Consolidated Ltd, Chair of the Benefactors of the Good Shepherd Nursing Homes Limited and Chair of the Virginia Chadwick Memorial Foundation. Ms Barker is a former director of The Townsville Port Authority, The Great Barrier Reef Marine Park Authority and former member of the James Cook University Council.


Campbell Charlton Campbell J Charlton

BCom, LL.B, FCA (Rtd), MAICD

Far North Zone

Member of the Group Audit Committee and the Risk and Compliance Committee (Director, Far North Zone, since 2014).

Mr Charlton has a 35 year career as a Chartered Accountant and Corporate Advisor. He serves as a director of North Queensland Cowboys Rugby League Club Ltd, is a member of the James Cook University Council and the Queensland Government’s Commonwealth Games Embracing 2018 Committee. He is a former Chairman of the Tourism Tropical North Queensland and Advance Cairns Limited. He was also Chairman of the judging Panels of both the Australian Tourism Awards and the Queensland Tourism Awards.


Anthony Gambling Anthony (Tony) M Gambling

BBus, BEcon, MBA, CPA, FAIM, FAICD, JP (Qual)

Central Zone

Chair of the Group Investment Committee (Director, Central Zone, since 2005). Director of RACQ Insurance Limited and Club Insurance Holdings Pty Ltd and a member of the Level 2 Risk and Compliance Committee. 

Mr Gambling is General Manager of Mango 4 Office Technology and a former director of companies involved in the commercialisation of emerging technologies. He sits on the Central Queensland Committee of the Australian Institute of Company Directors and the QLD Small Medium Enterprise Committee of CPA Australia, and is vice-president of the Central QLD Rugby Union.


Arthur J Gearon Arthur J Gearon

BBus

South West Zone

Member of the Group Investment Committee and RACQ Limited Risk and Compliance Committee (Director, South West Zone since April 2015). Mr Gearon is a grain, cotton and cattle producer on the Darling Downs. He is the Vice President of AgForce Grains Limited and a director of AgForce Limited representing Southern Inland Queensland


Elizabeth Jameson Elizabeth M Jameson

LL.B (Hons1), BA, FAICD, MQLS

South East Zone

Member of the Group Governance and Remuneration Committee (Director, South East Zone, since 2008). Director of RACQ Insurance Limited and Club Insurance Holdings Pty Ltd and Chair of the Group Audit Committee and Member of the Level 2 Risk and Compliance Committee.

Ms Jameson is the principal and founder of corporate governance consultancy Board Matters Pty Ltd and associated firm Board Matters Legal (since 2002). Ms Jameson is a former Partner with national law firm Deacons (corporate/commercial division) and is Chair of Brisbane Girls Grammar School. In May 2013 she was appointed to the board of the Queensland Theatre Company.


Stephen Maitland Stephen J Maitland

OAM, RFD, BEc, MBus, LLM, FAICD, FCPA, FCIS, FAIM, SFFin

South East Zone

Chair of the Risk and Compliance Committee and member of the Group Audit Committee (Director, South East Zone, since 2008).

Mr Maitland has a background in finance and accounting, is a qualified accountant and company secretary and the Principal of corporate advisory firm Delphin Associates. He was Chief Executive Officer of the Queensland Office of Financial Supervision (1992 to 1999) and had a 20 year career in corporate banking. Mr Maitland is also a Director of Australian Unity Limited, Centrepoint Alliance Limited and several private companies.


Karl Morris Karl D Morris

BCom, MSAA, FAICD, FFin

South East Zone

Member of the Group Investment Committee and the Risk and Compliance Committee (Director, South East Zone, since 2010).

Mr Morris is Executive Chairman of Ord Minnett Ltd and has a 26-year career in financial services and wealth management. Mr Morris is Chairman & Master Member of the Stockbrokers Association of Australia Ltd, Chairman of QSuper, Member of the Catholic Foundation Archdiocese of Brisbane, and Member of the Brisbane Lord Mayor's Business Advisory Board.


Neville Ide Neville Ide

BBus, MComm, FCPA, FAICD

RACQ Insurance Limited Director

Member of the Group Investment Committee and the Level 2 Risk and Compliance Committee.

Mr Ide has over 30 years’ experience in financial markets having held executive roles for the past 20 years at firstly Queensland Treasury Corporation (QTC) and subsequently Suncorp Metway (SUN). During his career Mr Ide has built up considerable expertise in Financial Asset and Liability Risk Management.

At QTC Mr Ide was General Manager Financial Markets from 1988 being responsible for global debt funding, and financial asset and liability management on behalf of public sector clients.

Mr Ide's role at SUN was Group Treasurer from 2002 to 2009 having held responsibility for capital market funding (debt and equity), balance sheet management, interest rate and foreign exchange product sales and trading.


Raymond Jones Raymond Jones

Dip Marketing, Graduate Harvard Business School AMP, AFAMI, MAICD, AFFSI

RACQ Insurance Limited Director

Member of both the Group Governance and Remuneration Committee and the Level 2 Risk and Compliance Committee. 

Mr Jones has a strong background in the insurance industry. He was Managing Director of QBE Australia, and held senior roles with American International Group and Citibank. He served as President/Director of Insurance Council of Australia, as a Director of Insurance Ombudsman, President of Australian Insurance Association, and Chairman of Insurance Statistics Australia.

He is immediate past Chairman of AIA Australia, past Chair of Vaccinoma, is on the G4S International Advisory Panel, and is on the Board of G4S Compliance and Investigations. Also Chair of Roosies Red and Whites (Sydney Swans), Chair of BizAdLive and advisory panel member at Taurus Marketing


Vyn Tozer Vyn Tozer

BComm (UWA) D.Bus.S (Accy) FCPA MAICD

RACQ Insurance Limited Director

Chair of the Level 2 Risk and Compliance Committee and Member of the Group Audit Committee.

Mr Tozer has extensive skills and experience in finance, accounting and insurance. He also serves as Chairman of RACT Insurance Pty Ltd. Mr Tozer was formerly Managing Director of Fortis Australia Limited, Chairman of Avant Insurance Limited, Australian Health Service Alliance Limited and a Director of Avant Mutual Group Limited, Medical Indemnity Industry Association of Australia, Elders Financial Services Group Pty Ltd, Insurance Council of Australia, and Insurance Statistics Australia.


RACQ - Group Executive Team

RACQ Group Executive Team

Group Chief Executive Officer

Ian GillespieIan A Gillespie
BA, Dip Laws (BAB), FCEOI, MAICD, FAIM

    
Mr Ian Gillespie is Group Chief Executive Officer of the RACQ (The Royal Automobile Club of Queensland Limited) which celebrated its centenary in 2005 and covers approximately 1.2 million members.Ian is a Director of RACQ Insurance Ltd, a personal lines insurer that provides home/vehicle coverage to over one million policy holders. He is a Director of the Australian Automobile Association (AAA), Australian Motoring Services Pty Ltd (AMS) and Club Assist Corporation, as well as a number of subsidiary companies associated with the RACQ and AMS. He is also a Director of Tourism and Events Queensland, the Confederation of Australian Motor Sport Limited (CAMS) and a member of the Global Mobility Alliance (GMA) Board.Prior to joining RACQ, Ian spent 30 years working in a broad range of industries in Australia and internationally at CEO and senior executive level, most recently in the defence technology sector. His career includes roles in corporate law, HR, business management and private equity investment. Ian’s qualifications are BA; DipLaws(BAB); FAIM; MAICD; CCEO. Ian received the 2008 AIM Professional Manager of the Year Award for Queensland.

RACQ Group Senior Executive Team

Greg BookerGreg Booker
MMgt, MBA, GAICD
Chief Information Officer


Greg has over 30 years in the technology industry in a career that has spanned the globe and encompassed working as a Supplier and a Customer. A financial services specialist he has implemented core system replacements in Asia, the UK, and the United States and has worked on 13 different Financial Services M&A activities.From an early career in Australian Financial services Greg joined IBM and spent a number of years travelling the world as a Financial Services specialist with his highlight being the lead architect in the growth of a fledgling Minnesota based First Bank systems into the 5th largest bank in the United States, US Bancorp. Since 2000 Greg has worked largely within Australia filling General management and CIO roles at St George Bank, ING Australia, ANZ Bank, and now most recently at RACQ. Greg has a Masters of Management, an MBA, and is a graduate of the Australian Institute of Company Directors.

Brad BowesBrad Bowes
PhD FGIA FCIS MAICD
Group Company Secretary


Brad is company secretary for all the legal entities within the RACQ Group and heads the Group Secretariat with responsibility for group-wide corporate governance matters, including managing all matters associated with the efficient operation of the various boards, committees and their meetings. He was previously Company Secretary and Executive Manager Governance for RACQ Insurance Limited.Brad is a chartered company secretary with 20 years experience in senior management and similar governance roles in both private enterprise and the public sector across a range of industries.


Darryn HammondDarryn Hammond
B.Sci (Hons), LLB, G.Dip Corp Gov, MQLS, FGIA, FCIS
General Counsel and Chief Risk Officer


Darryn is responsible for the legal, risk management, compliance, workplace health and safety, and internal audit areas of the Group.He is a practising solicitor and chartered company secretary who joined RACQ in 2009, with significant corporate and commercial experience. Prior to his appointment he worked with a national law firm and has held senior roles both locally and overseas.


Bradley HeathBradley Heath
B.Bus Acc, FCEOI, GAICD
Chief Executive Officer RACQ Insurance


Bradley Heath was appointed as Chief Executive Officer of RACQ Insurance in March 2007 having held the positions of General Manager Personal Insurance, Executive Manager CTP & Claims and Executive Manager Underwriting for RACQ Insurance Limited. Bradley has over 25 years experience in the insurance industry, gained primarily with RACQ Insurance Limited.As well as leading the RACQ Insurance Team, Bradley undertook the additional role of Programme Sponsor for the successful implementation of the new Group Enterprise System (GES) within the RACQ Group.


Michael LonerganMichael Lonergan
BBus, FCPA, Grad Dip App Fin
RACQ Group Chief Financial Officer


As Group Chief Financial Officer, Michael is responsible for managing RACQ’s overall financial position and reporting on financial performance across the Group. This includes management, financial and regulatory reporting, budget and financial forecasts and taxation compliance. Michael oversees the management of the Group’s investment portfolios and is responsible for the management of Group property and procurement activities. Michael joined the RACQ Group in 2002 as Financial Controller for RACQ Insurance before being appointed to Chief Financial Officer – RACQ Insurance in August 2007. Prior to joining RACQ Insurance, Michael held accounting and financial management roles across a number of industries including sports management and construction.


Heidi SuominenHeidi Suominen
B.Bus (HR Mgt), Grad Dip Training and Development
General Manager Human Resources


As General Manager Human Resources, Heidi manages the strategic human resource direction across the RACQ Group.Heidi’s areas of responsibilities include organisational development, learning and development, human resources, compensation and benefits, and industrial relations. Heidi is an internationally-experienced and industry-recognised human resources and corporate shared services executive with a track record in business transformation and people performance.


Glenn TomsGlenn Toms
BBus, G.Dip Fin & Inv, FFin, FAIM, GAICD
Chief Executive Officer Operations


Glenn leads a large operational team providing members with a diverse range of core services including roadside assistance, technical services, travel, touring and finance.He is responsible for the 24/7 operations of RACQ across all contact channels for a range of membership, motoring, general insurance and travel products. This is achieved through an extensive network of retail branches and contact centres. The operations team also provide all in-field services to members across the state including roadside assistance, towing, vehicle inspections and driver education.


Paul TurnerPaul Turner
GAICD
Executive General Manager Advocacy


Paul is responsible for ensuring the interests of 1.2 million Queensland motorists and their families are promoted and protected through constructive engagement and effective communication with governments, industry, media, other road user groups, and the wider community. This includes responsibility for The Road Ahead magazine, media and government relations, public and safety policy and community sponsorship and education


Chris WalshChris Walsh
B.Com
Chief Development Officer


Chris heads up the Development Division that has the primary responsibility for driving growth and business development across the Group. This includes leading the strategic development to ensure that RACQ’s long term corporate vision is realised, managing membership and working actively to deepen the value of belonging, implementing the overall marketing strategy, facilitating group product development, further building member, customer and market insights and operating the group performance improvement office (GPIO).


Much irrefutable evidence has become available.  There is also a court case scheduled.  
I believe there is sufficient evidence available to show that the lawyers and the two insurance companies,  are being fraudulent   I think their conduct to date, and especially in the future is of interest to anyone involved with these insurance companies especially the Insurance companies' Directors and all other Companies for which these directors are also directors.

I was thinking of writing an email such as below to the lawyers, Insurance companies and Saverin, but decided that instead I should write it as a page on HaigReport, and maybe send the link to it to those email addresses.  I may not need to do that to ensure they all see it. As long as the directors know, they are responsible.  They cannot turn a blind eye.  I can mention where Saverin/Folbigg works, and promote it on Twitter. 

I detest people who lie and lie about having done the wrong acts.  This is called throwing a cat amongst the pigeons.  These lawyers would know she is at fault.  Their pursuing the case is Professional Misconduct, and an abuse of the court process. 

Anyone, knowing all the available evidence, should know that Janell Marie Saverin aka Folbigg is lying.     Saverin/ aka Folbigg did not wish to be breached, nor lose her no claim bonus nor does she wish to admit now that she was lying.  She thought she would get away with it, but has created a tangled web of deceit; the Folbigg big porkies..   In fact she thought she had got away with it and had a new car and the matter was finalized.  Now she has lied to police.    We will see if she perjures herself under oath.

I am sure the involved lawyers have seen the reports she and Pryor made to the police.   I have seen them too.  Do you know what else she and Pryor said to the police? 

You, the Lawyers and therefore your firm, attended the "Settlement Conference".  We all heard the Saverin/Folbigg fabrications.  The evidence from that can be produced to the LSC and to any Judicial Review of their [LSC] decision.

I believe the lawyers and their staff who attended the settlement conference and all personnel, including partners who have been involved in this matter, are guilty of Professional Misconduct and should be struck off the roll of lawyers. 

Corruption is endemic in the Qld legal profession, police, public sector and government.    I will be making a complaint of Professional Misconduct by all involved lawyers and their involved staff, to the Legal Services Commission.  If I am not satisfied with their response, [which is what I would expect], I will seek Judicial Review.   

I will have to decide whether I make that complaint now or after the completion of court processes.   I would imagine that the LSC would need to await the finalization of the court processes before it deliberated.   We never know what new evidence or contradictions, will come out of the court processes.

Of course, the insurance companies should independently decide if they wish to be represented by lawyers guilty of Professional Misconduct where that Professional Misconduct has been to produce revenue for them, the insurance companies, by FRAUD.

I am making sure they are warned that they know that are attempting FRAUD.  The lawyers would realize that this is fraud by Saverin aka Folbigg. Many people have knowledge of this fraud, or the strong likelihood that this is fraud by Saverin aka Folbigg, the lawyers, and the insurance companies, but thinking they can turn a blind eye to it.  The insurance companies would have agreements with the particular lawyers as to charges;  probably that the lawyers will not charge  if they lose but be able to charge massive fees of the other party if they win.  So, the insurance companies and the lawyers think they have no downside, but I will ensure they do.    I wonder what that would do for the share price of Insurance Australia Limited [IAG] and the directors of IAG and the other companies for whom those directors are also directors.  The names of the directors are public, as are the names of many other companies of which those directors are also directors.   The buck stops with the directors if their company is engaging in illegal or questionable or unethical practices.  Saverin aka Folbigg is employed by a child care firm.   I imagine many parents would not want their offspring under the care of a firm that would employ a lying, perjuring fraudster.

I believe, from an assessment of the evidence, that Folbigg/Saverin did not wish the police called to the collision on Priestdale Road as she knew she was at fault, for not giving right of way, but instead shooting out in front of Isaac Newton, from the well established rat-running route via Thallon Street..If the police had been called, I reckon that she would have been thinking the police would have been able to determine that she had not given right of way. 





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