ARUBA - Robyn Gardner, 35, Maryland woman missing in Aruba, 2 Aug 2011 - # 4

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  • #561
http://abcnews.go.com/US/aruba-suspect-gary-giordano-walk-free-today/story?id=14463749

Yes it is a copy of the actual signature on Robyn Gardner's Change of Beneficiary Form. It is in the video at above link.

If the signing was witnessed, there is no proof of it on the form. Some of the Change of Beneficiary Forms online have a place for a witness to sign. This one does not.

Ah, well, that is interesting.

A few years ago I had a case involving allegations of forgery, and I had to look into hiring a handwriting expert (case settled before we got there). I was surprised to learn that it's not that expensive. I think for less than $1500 you can get an expert analysis done.

Ordinarily, I would be tempted to believe the involved LE were already on top of that kind of thing... but in the case of Aruba, I don't think it's safe to assume anything. I wonder if the family has anything going in that regard? Perhaps your line of communication with RF might be useful in exploring that?
 
  • #562
GG was trying to get his child support payments lowered and reportedly lost this case in late April. Then, in early May, he got RG to agree to go on a cruise, which is when the Change of Beneficiary Form has the date of her signature. She changed her mind and didn't go, which per reports, greatly upset GG. He then hatched a new plan with another woman. There is a Change of Beneficiary Form for her in early July. Earlier, there was an interview done with a woman who was saying RG could have been her, that she was going to go on a trip with him, too. She didn't want to go on camera. That is probably her. Then RG finally agreed to go on a trip with him and he chose Aruba.
 
  • #563
murphyk.jpg




http://transcripts.cnn.com/TRANSCRIPTS/1108/25/ijvm.01.html

Gary Giordano was in serious financial trouble and tried to scam a company out of $5 million in the months leading up to his Aruba vacation with Robyn Gardner, according to an attorney who faced him in court.

"Just a few months ago he was telling the court here that he was in financial distress, with what I understood to be him making much less money than his bills," said Thomas Murphy, who represented a staffing company Giordano sued for $5 million in January 2010. "So I don't know how he could wind up taking a vacation to Aruba, which I believe is not an inexpensive destination," Murphy said.

Giordano is being held as a suspect in Gardner's disappearance, and last week investigators said they were looking into a $1.5 million travel insurance policy on Gardner that listed Giordano as the beneficiary.Aruba Solicitor General Taco Stein has said that they trying to figure out whether the insurance policy has any bearing on the case.

Gary Giordano Sought $5 Million in Court

In the suit against the staffing company, Giordano was accused of forging documents in the suit and later dropped the case. Murphy said Giordano made up a contract and tried to sue the company for not upholding it.

"I accused him of committing perjury, I accused him of fabricating documents, I accused him of the worst sort of behavior that I could think of," Murphy said. "My professional judgment about Mr. Giordano was that he was not to be believed at any level about anything."

"I absolutely believe that Mr. Giordano, based on my experience defending my client, that he is capable of manufacturing out of whole cloth a story and then pursuing it to abnormal ends," Murphy said.

Meanwhile, Giordano was also suing one ex-wife for $7,000 and going to court to have his child support payments lowered from marriage to his first wife, according to court documents.

http://abcnews.go.com/US/robyn-gardner-missing-aruba-suspect-gary-giordanos-5m/story?id=14379154

It appears GG was in financial trouble and his plots to lower his expenses and win lawsuits was running dry. I wonder if his mortgage payments were in arrears and he was going to lose the house soon. He appears desperate, even wanting to sell land on the moon in another scam which he was setting up in July.
 
  • #564
What is a change of beneficiary form and when and why is it needed?
If you take out insurance to travel, why would you change the beneficiary?
It is a short term policy?
 
  • #565
So then it goes back to the "no body, no case" scenario. :waitasec:

....and I am not sure why they say they have a "mountain" of circumstantial evidence. So far the evidence seems to be a bit of a mess. What is factual and what isn't.
 
  • #566
signaturerg.jpg





http://www.bankersonline.com/articles/bhv01n11/bhv01n11a7.html

I see periods along the lines of the letters. MOO.

ETA: Also of note, there is no need for a witness on this form. So that earlier report was false (surprise.)

ETA: This came from video at below link:

http://abcnews.go.com/US/aruba-suspect-gary-giordano-walk-free-today/story?id=14463749

My bolding

Wait a minute I'm confused now.

Didn't the report just say that it was GG who was saying that there was a witness to RG signing it?

Not so much a false report but wouldn't that mean that this would prove GG was lying, possibly his lie being another piece of circumstantial evidence?
 
  • #567
What is a change of beneficiary form and when and why is it needed?
If you take out insurance to travel, why would you change the beneficiary?
It is a short term policy?

The form is used to indicate there is a specific person you want to receive the pay-out in the event of your death. It is a separate form that must be filled out and mailed in in order to change the beneficiary. For GG to cash in, he needed this form filled in designating him as the beneficiary. And that form requires Robyn's signature. If the form had not been sent in, the beneficiary would have been Robyn's estate. The reported length of the policy was one year, though there was another report that said it was for the duration of the trip.

https://secure.cmax.americanexpress...ument/AETI_Sample_Annual_Base_Certificate.pdf
 
  • #568
What is a change of beneficiary form and when and why is it needed?
If you take out insurance to travel, why would you change the beneficiary?
It is a short term policy?


You would change the beneficiary so it is someone other than the insured.

HS -- I've read about his application to reduce support payments many times. FWIW, I don't put much stock in that. As a sometimes matrimonial lawyer (and my wife is a matrimonial lawyer and worked for two years for a matrimonial judge as the primary court attorney), I can tell you, people file such applications all the time. Support is fixed based on circumstances at the time, and a "change of circumstances" is very, very common. ... It could be, of course, that this was a serious change, and real... But the mere filing of the application is fairly routine and almost meaningless.

The other matter, the lawsuit, well, yeah. Maybe. But all we have ever heard on that is the opinion of the lawyer who represented the other side. And while he seems credible, even so, all that is really said is that there was a lawsuit, the other side claimed GG had forged a document (a claim made all the time in lawsuits), and the case somehow got dropped or settled. That really doesn't establish much.

A lot of times, it helps to evaluate purported "facts" by asking yourself, would that be admissible against him in court in this case? In both of the above instances, I doubt it very much (possible the first, certainly not the second).

Don't get me wrong, I think GG is guilty as hell. But how one arrives there is the question.
 
  • #569
OK, I understand what change of beneficiary means
I don't understand why RG would have to sign one if GG took out the policy on her
 
  • #570
My bolding

Wait a minute I'm confused now.

Didn't the report just say that it was GG who was saying that there was a witness to RG signing it?

Not so much a false report but wouldn't that mean that this would prove GG was lying, possibly his lie being another piece of circumstantial evidence?

That report was from a couple weeks ago I believe regarding there having been a witness and that Robyn was of sound mind when she signed it. If I remember correctly it didn't specifically say those words came out of GG's mouth. I was left with the impression at the time that the form had a place for the witness to sign and that the form contained text underneath RG's signature that you occasionally see when you sign something that you are of sound mind, etc. when signing.

It is my speculation that the report was made up, someone pretending they have inside info but they don't. That's par for the course with this case. MOO.
 
  • #571
OK, I understand what change of beneficiary means
I don't understand why RG would have to sign one if GG took out the policy on her


It's kind of a basic public policy type thing... Otherwise, you could insure anyone and make yourself the beneficiary, thus making the other person's death a matter of considerable interest to you.
 
  • #572
That report was from a couple weeks ago I believe regarding there having been a witness and that Robyn was of sound mind when she signed it. If I remember correctly it didn't specifically say those words came out of GG's mouth. I was left with the impression at the time that the form had a place for the witness to sign and that the form contained text underneath RG's signature that you occasionally see when you sign something that you are of sound mind, etc. when signing.

It is my speculation that the report was made up, someone pretending they have inside info but they don't. That's par for the course with this case. MOO.


Well this is the form for the cruise she didn't take, right? So perhaps the form she supposedly signed for the Aruba trip was different?
 
  • #573
  • #574
Well this is the form for the cruise she didn't take, right? So perhaps the form she supposedly signed for the Aruba trip was different?

In the video it indicated that the same beneficiary form was used from early May.
 
  • #575
Does anyone know the address to his house? Is there a way to determine if the mortgage was in default or foreclosure? Thanks.
 
  • #576
  • #577
Here's two pictures of the Shark Pit at this link..... #66 & #67 on the page


http://www.travelblog.org/Photos/5715975

Comment on page regarding the photos:

"Abattoir trucks used to drive up to this huge ramp and ditch carcasses into the sea. Sharks swarmed."
-----
OK, that looks mighty turbulent and scary. When do they start looking for sharks as an accessory by the perp. to murder?

I feel sorry for the sharks then.
 
  • #578
Does anyone know the address to his house? Is there a way to determine if the mortgage was in default or foreclosure? Thanks.


Getting the address should be easy. I would do it but I have to run. If there is a foreclosure, it would be reflected in court records (unless it was still at the letter-writing stage). A foreclosure is just another form of lawsuit. If the court database there is searchable it would show up under his name.
 
  • #579
  • #580
This insurance thing is troubling. DH and I both have life insurance - regular ol' life insurance: his is through his work; I have a small amount through his work; and I also have an independent policy.

HOWEVER, we both also have travel insurance with American Express. But it is nowhere near $1 million. To me, that's a red flag. HUGE FLAG. We have two children and each other to think about, yet our travel insurance is not as much as RG's was... To me, that says it all. MOO
 
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