Found Deceased Australia - Melissa Caddick, 49, Sydney, NSW, 12 Nov 2020 #6

[JLZ]

Yes she did. For Maliver. 2

One of those employees opted to have all of their pay directed to their super & as a consequence found out that they too were scammed.

Where did you learn that?

 

[SLouTh]

Where did you learn that?

This was about one of the women.... who, in an another article, said she never took any wages, as MC was said to be investing her wages for her.....

Last week, investigators at Bondi Police Station interviewed for more than five hours a woman who previously worked with Ms Caddick.

The woman first met Ms Caddick 20 years ago when she was working at Wise Financial Services, and ended up in an administrative role alongside her.

The job largely involved filing documents but the woman had no idea Ms Caddick was allegedly forging financial statements and duping clients – including herself.

Like many of Ms Caddick’s friends, the former colleague trusted her with her own money.
Melissa Caddick’s documents were shredded as ASIC started investigation | Daily Telegraph

 

[Investig8r]

There are many questions I have after analysing the statements made by AK at the press interview. IMO I don’t believe AK is being entirely truthful but I am not sure if that is because he has been trained in how to respond, has been told not to answer certain questions or is lying. Obviously this type of interview is unnatural (especially if one feels they are, or could be, under suspicion) so nerves would be kicking in. Unfortunately there were not a lot of base line questions in the interview to gauge AK’s comfortable behaviour. Here is my analysis (sorry for the length). Times noted are rough and are based on the 9news Sydney appeal on Facebook.

1. ‘Melissa is a dedicated and incredible mother, a beautiful daughter, sister and loved wife’. The word ‘loved’ is past tense. Who wrote this statement?
2. 2:12 when asked about Melissa’s state of mind AK said ‘this is out of character and went on with his standard communities of Australia statement. Question was not answered.
3. 2:24 when asked did he have any idea what happened to her AK did not answer the question. He provided the communities of Australia statement and then said ‘a lot of you know who she is....a lot of you know who she um... um who she is as a person...um.’ and then goes on with the communities statement. The use of the word ‘she’ instead of Melissa is interesting and could show disconnection.
4. 2:45 when giving his appeal to Melissa he leans down into the microphone and says ‘you know how much we love you...um just come home everything’s taken care of - you’re not in trouble’. IMO his head down eyes largely closed and shaking head sideways are interesting. He smiled a little leaning into the microphone perhaps liking the option to appeal/reach out to Melissa. I am not not sure what is meant by ‘everything has been taken care of’. I would like to expand on this. I also note the word ‘we’ rather than ‘I’.
5. 3:02 when asked is there anyone who may have wanted to hurt Melissa he says ‘no - not that I know of’. Eyes were often closed, head down, shakes head. Not a definite ‘no’ answer.
6. 3:06 last conversation you had with her? AK does not answer the question. He closes his eyes, shakes head and mentions ‘the night before...um before we went to bed’. The use of ‘we’ is interesting and indicates both went to bed.
7. 3:14 Was it just normal when you talked to her? ‘As normal’ - eyes closed and shakes head. IMO how can it be normal after that ASIC raid? As normal as what?
8. 3:18 Did you speak to her before you went out for a run? ‘No I didn’t as I was asleep’ eyes largely closed.
9. 3:24 did she go for a run every morning? ‘Consistently’. Not a yes answer. So sometimes she didn’t go for a run?
10. 3:27 She didn’t take her phone with her? ‘She always took her phone...um....in this case this was the only time since I’ve known her that she did not have her phone with her’. Use of the word ‘she’ rather than ‘Melissa’. Not comfortable answering.
11. 3:38 when did you realise something was wrong? ‘I was advised um to contact within 24 hours and that I did’. He did not answer the question. Who advised? When? When did ‘you’ realise?
12. 3:50 were there some places she liked to go where people should be keeping an eye out for her? 3:53 he looked left then answered. He was more comfortable in answering this question. He was looking around comfortably and eyes were up. Could this be a base line response?
13. 4:05 can you take us though the night before when you were with her? Did you have a party in the home then went to bed... ‘there’s nothing else that I can give you further’ - question not answered eyes largely closed. Note: 4:11 AG shakes head.
14. 4:15 what sort of impact has this had on you and your family? Question not answered. ‘We just want her back....that’s all’. 4:24 looks down to left. Note the use of the word ‘her’ rather than Melissa.
15. 4:28 impact on son? ‘He’s ...he’s good um as can be expected um that’s all I have to say at the moment thank you’. He uses the word ‘he’ here so it could be the way he regularly talks?
16. 4:39 a lot of discussions in the media about prior financial investigations. Is that quite stressful for you family? ‘It’s ....it’s all just matter at this point....’ (matter?) then goes onto the communities statement. Question not answered.
17. 4:58 when asked if the camera surely would have captured her leaving. AK reverted to how wonderful Bondi detectives are and did not answer the question. Note:AG shakes head slightly at 5:02.

The media asked some great questions however AK did not answer many of them for whatever reason. I would be seeking those answers by asking those questions in other ways. I assume the police would have already done this.

My sincere thoughts are with those affected by this matter.

 

[srper2]

Oh dear. Maybe some can look at suing those accountants. A keen eye that does this sort of thing for a living should have picked up that there were 2 digits short on the commsec paperwork. About operating under someone else’s license, a lot in the industry share licenses under the same ‘umbrella’ apparently. I think MC knew that she could talk her way out of a lot of things. The raid, however, and the freezing of her accounts ... not!

Yes, it seems unusual that she was using someone else's license but the auditors and accountants did not check to see how the license holder was associated with Maliver and include their involvement in the audits! I think that there was

This was about one of the women.... who, in an another article, said she never took any wages, as MC was said to be investing her wages for her.....

Last week, investigators at Bondi Police Station interviewed for more than five hours a woman who previously worked with Ms Caddick.

The woman first met Ms Caddick 20 years ago when she was working at Wise Financial Services, and ended up in an administrative role alongside her.

The job largely involved filing documents but the woman had no idea Ms Caddick was allegedly forging financial statements and duping clients – including herself.

Like many of Ms Caddick’s friends, the former colleague trusted her with her own money.
Melissa Caddick’s documents were shredded as ASIC started investigation | Daily Telegraph

Although this story refers to this woman as a friend who previously worked alongside her (20 years ago), not actually ever being employed by MC???

 

[OwlHeart]

But maybe I don't think like a professional accountant/auditor. Maybe I don't know enough about the profession to comment.

Forgery is not a 21st century fad.
But the 21st century and the digital age have shown us a whole new level of fraud in the creation of false documents with apps.

I believe the onus is on members of any profession/industry to stay up to date with changes that could or do affect them. Why weren't things crosschecked?

Ring the licence holder and verify she gave permission. Might take 2 weeks max to contact her.

Am I naive?

 

[OwlHeart]

Oh dear. Maybe some can look at suing those accountants. A keen eye that does this sort of thing for a living should have picked up that there were 2 digits short on the commsec paperwork. About operating under someone else’s license, a lot in the industry share licenses under the same ‘umbrella’ apparently. I think MC knew that she could talk her way out of a lot of things. The raid, however, and the freezing of her accounts ... not!

Blue Violet I just commented on this exact thing then saw your post. You have a fine mind.

(Note to self: read all new posts before posting)

 

[srper2]

But maybe I don't think like a professional accountant/auditor. Maybe I don't know enough about the profession to comment.

Forgery is not a 21st century fad.
But the 21st century and the digital age have shown us a whole new level of fraud in the creation of false documents with apps.

I believe the onus is on members of any profession/industry to stay up to date with changes that could or do affect them. Why weren't things crosschecked?

Ring the licence holder and verify she gave permission. Might take 2 weeks max to contact her.

Am I naive?

I don;t think it is naive to expect that something would have been checked! I would expect that if I am paying these people to audit my work etc. that they could check the basics at least and with the digital age, it is even easier for people with consent to double check physical documents against actual online records (such as a primitive excel sheet against the trades listed on CommSec!). They could have checked her trades and accounts against CommSec online and realised that they did not match or even exist! They would have queried why her companies tax reports did not match the faked company trading activity too! If not, anyone can run a fake business and just make it all up and no audit will ever pick up any issues!

 

[JLZ]

who, in an another article, said she never took any wages, as MC was said to be investing her wages for her.....

If anyone comes across the other article where it does say that, please draw it to my attention.

 

[minime9]

But did she have employees (other than hiring the personal chef)? I haven't seen anything about cleaners, and the only reference I've seen to office employees was a post back in the threads somewhere (threads now gone) which was linking to an article. I can't remember what the article was or what it said, I just remember wondering if it had been misinterpreted because I could see an alternative meaning too where it was not saying Melissa had employees.

Yes she did.

One of those employees opted to have all of their pay directed to their super & as a consequence found out that they too were scammed.

If anyone comes across the other article where it does say that, please draw it to my attention.

Trying to find it. I remember seeing it in the other deleted threads

 

[SLouTh]

Have found a reference to 21 cents in the dollar for Investors.....

But allegedly duped investors are likely to only receive 21 cents back for every dollar invested.

However this article is dated 19th Feb prior to the latest 60mins "The Money Trail"

From 60mins
"In some good news, 60 Minutes can reveal that some of the investors' money has been discovered, having been hidden away in investments. Ms Caddick used investors' funds to buy the shares but they were all in her name and she kept all the dividends for herself to fund her high spending ways.
"There's a share portfolio, which is quite significant," Mr Gleeson said.
"We're confident that there will be quite a healthy return to investors."

Investors of alleged conwoman Melissa Caddick demand Sydney mansion be sold IMMEDIATELY to pay them | Daily Mail Online
The Money Trail (nine.com.au)

 

[SLouTh]

If anyone comes across the other article where it does say that, please draw it to my attention.

Found another article but there were probably more .....

The woman, who worked with Caddick for over 20 years, told police in a five hours interview that she trusted her and invested about $1million hoping it would support her children's future.

Another colleague said she believed her wages were being paid into a superannuation fund worth about $700,000.

She has since discovered the money she was owed is all gone.

Major twist in search for missing millionaire Melissa Caddick as the accountant's colleagues speak | Daily Mail Online

 

[Estelle]

Can you book rental cars and accommodation without confirming your identity?

Accommodation maybe but car no.

Fake i.d would be just as risky because of the inevitable media coverage.

Good point. Maybe they were able to use cash for the accomodation and when the car was delivered or when they picked up the car and the people who took the cash have not made the connection - yet.

 

[Estelle]

This was about one of the women.... who, in an another article, said she never took any wages, as MC was said to be investing her wages for her.....

Last week, investigators at Bondi Police Station interviewed for more than five hours a woman who previously worked with Ms Caddick.

The woman first met Ms Caddick 20 years ago when she was working at Wise Financial Services, and ended up in an administrative role alongside her.

The job largely involved filing documents but the woman had no idea Ms Caddick was allegedly forging financial statements and duping clients – including herself.

Like many of Ms Caddick’s friends, the former colleague trusted her with her own money.
Melissa Caddick’s documents were shredded as ASIC started investigation | Daily Telegraph

I did not perceive this woman to be a current employee.

 

[OwlHeart]

There are many questions I have after analysing the statements made by AK at the press interview. IMO I don’t believe AK is being entirely truthful but I am not sure if that is because he has been trained in how to respond, has been told not to answer certain questions or is lying. Obviously this type of interview is unnatural (especially if one feels they are, or could be, under suspicion) so nerves would be kicking in. Unfortunately there were not a lot of base line questions in the interview to gauge AK’s comfortable behaviour. Here is my analysis (sorry for the length). Times noted are rough and are based on the 9news Sydney appeal on Facebook.

1. ‘Melissa is a dedicated and incredible mother, a beautiful daughter, sister and loved wife’. The word ‘loved’ is past tense. Who wrote this statement?
2. 2:12 when asked about Melissa’s state of mind AK said ‘this is out of character and went on with his standard communities of Australia statement. Question was not answered.
3. 2:24 when asked did he have any idea what happened to her AK did not answer the question. He provided the communities of Australia statement and then said ‘a lot of you know who she is....a lot of you know who she um... um who she is as a person...um.’ and then goes on with the communities statement. The use of the word ‘she’ instead of Melissa is interesting and could show disconnection.
4. 2:45 when giving his appeal to Melissa he leans down into the microphone and says ‘you know how much we love you...um just come home everything’s taken care of - you’re not in trouble’. IMO his head down eyes largely closed and shaking head sideways are interesting. He smiled a little leaning into the microphone perhaps liking the option to appeal/reach out to Melissa. I am not not sure what is meant by ‘everything has been taken care of’. I would like to expand on this. I also note the word ‘we’ rather than ‘I’.
5. 3:02 when asked is there anyone who may have wanted to hurt Melissa he says ‘no - not that I know of’. Eyes were often closed, head down, shakes head. Not a definite ‘no’ answer.
6. 3:06 last conversation you had with her? AK does not answer the question. He closes his eyes, shakes head and mentions ‘the night before...um before we went to bed’. The use of ‘we’ is interesting and indicates both went to bed.
7. 3:14 Was it just normal when you talked to her? ‘As normal’ - eyes closed and shakes head. IMO how can it be normal after that ASIC raid? As normal as what?
8. 3:18 Did you speak to her before you went out for a run? ‘No I didn’t as I was asleep’ eyes largely closed.
9. 3:24 did she go for a run every morning? ‘Consistently’. Not a yes answer. So sometimes she didn’t go for a run?
10. 3:27 She didn’t take her phone with her? ‘She always took her phone...um....in this case this was the only time since I’ve known her that she did not have her phone with her’. Use of the word ‘she’ rather than ‘Melissa’. Not comfortable answering.
11. 3:38 when did you realise something was wrong? ‘I was advised um to contact within 24 hours and that I did’. He did not answer the question. Who advised? When? When did ‘you’ realise?
12. 3:50 were there some places she liked to go where people should be keeping an eye out for her? 3:53 he looked left then answered. He was more comfortable in answering this question. He was looking around comfortably and eyes were up. Could this be a base line response?
13. 4:05 can you take us though the night before when you were with her? Did you have a party in the home then went to bed... ‘there’s nothing else that I can give you further’ - question not answered eyes largely closed. Note: 4:11 AG shakes head.
14. 4:15 what sort of impact has this had on you and your family? Question not answered. ‘We just want her back....that’s all’. 4:24 looks down to left. Note the use of the word ‘her’ rather than Melissa.
15. 4:28 impact on son? ‘He’s ...he’s good um as can be expected um that’s all I have to say at the moment thank you’. He uses the word ‘he’ here so it could be the way he regularly talks?
16. 4:39 a lot of discussions in the media about prior financial investigations. Is that quite stressful for you family? ‘It’s ....it’s all just matter at this point....’ (matter?) then goes onto the communities statement. Question not answered.
17. 4:58 when asked if the camera surely would have captured her leaving. AK reverted to how wonderful Bondi detectives are and did not answer the question. Note:AG shakes head slightly at 5:02.

The media asked some great questions however AK did not answer many of them for whatever reason. I would be seeking those answers by asking those questions in other ways. I assume the police would have already done this.

My sincere thoughts are with those affected by this matter.

1. You can be thinking about what to buy your 'loved' ones for Christmas or whether your child will play soccer when goes to high school because he has loved it since he was little.

So that's not too bad.

2. Asking the communities of Australia to come together to help bring MC home is a subtle hint that people need to focus not on AK but on each other, that it is up to them so don't keep questioning me (AK) come together, what are you waiting for? No more questions!

3. The last time he said MC's name could have been during an argument where he said some horrible things, saying "Melissa" takes his mind right back to that place

4. People do not realise how much their body language says and how much movement is a result of subconscious direction. Shaking your head is your body objecting to what you're saying. There are instances when this will help you but in others it just digs a bigger hole.

I can't be bothered commenting on each of your points but yes, you are picking up on some important information AK is giving us albeit unbeknownst to himself.

If a child is confronted with a scary situation he might close his eyes, if he can't see it, it can't be real.

When we are tested by someone trying our patience, we might close our eyes for a few moments to distance ourselves enough to think of a response.

Now, when he ends the questioning but gets another thrown at him, he almost jumps to answer it, not because he wants to be grilled further, but because his train of thought as he begins to step away from the podium is so stressful and so loud and so dark, that fearing people are watching him and reading his thoughts, he eagerly takes the opportunity to deflect attention to the question, knowing people will be focused on his answer. He is paranoid, in other words.

 

[OwlHeart]

Good point. Maybe they got away with using a credit card in the name of Maliver? Or they used cash for the accomodation and when the car was delivered or when they picked up the car and the people who took the card or cash have not made the connection - yet.

I was issued a HERTZ hire car by GIO when my car was stolen. I had to provide i.d(license) and the person paying the bond/deposit (my friend) had to give his license and credit card details over.
They ran both our licenses through their database to confirm everything.

No hire car company is going to give a car out to anyone unless they have their current license and can confirm they reside at the address on the license. It would be company suicide.

You raise some great points that few, if any, have done so on here Estelle but we need to eliminate hire cars. Mistakes will have been made but hiring a car will not have been one of them.

 

[SouthAussie]

Found another article but there were probably more .....

The woman, who worked with Caddick for over 20 years, told police in a five hours interview that she trusted her and invested about $1million hoping it would support her children's future.

Another colleague said she believed her wages were being paid into a superannuation fund worth about $700,000.

She has since discovered the money she was owed is all gone.

Major twist in search for missing millionaire Melissa Caddick as the accountant's colleagues speak | Daily Mail Online

I don't think this means that these people were Melissa's employees.

One is clearly called a colleague. Not an employee. So worked with Melissa at some point.
Her wages would have come from her employer, not Melissa. Likely as what they call salary sacrifice, where you can sacrifice all or part of your wages into super - the benefit being that it defers your taxes on those wages until you start withdrawing your super.

The other worked with Melissa for over 20 years. Not for Melissa for over 20 years. Another colleague.

 

[Estelle]

I was issued a HERTZ hire car by GIO when my car was stolen. I had to provide i.d(license) and the person paying the bond/deposit (my friend) had to give his license and credit card details over.
They ran both our licenses through their database to confirm everything.

No hire car company is going to give a car out to anyone unless they have their current license and can confirm they reside at the address on the license. It would be company suicide.

You raise some great points that few, if any, have done so on here Estelle but we need to eliminate hire cars. Mistakes will have been made but hiring a car will not have been one of them.

Instead of AK or MC booking the accommodation or car, could AG have used somebody else's licence or credit card or his own?
Could he have been the one to have driven MC to her hiding place or used another car even or the 4 x 4?

I realise the objection from some of you will be that AG was angry with AK for not reporting MC was missing on the day she went and he was angry with AK at the presser. But IMO he could have lied about this and acted angry with AK but they were actually in cahoots?

What would you do in this situation if a family member needed help even if they are accused of fraud? At least you would offer to hide her surely? I also say this as AK seemed to be more friendly than I expected with her parents and AG about a month later when he was filmed visiting them. Also the day after the raid, her family would not have known or realised that they were also her victims.

 

[JLZ]

Found another article but there were probably more .....

The woman, who worked with Caddick for over 20 years, told police in a five hours interview that she trusted her and invested about $1million hoping it would support her children's future.

Another colleague said she believed her wages were being paid into a superannuation fund worth about $700,000.

She has since discovered the money she was owed is all gone.

Major twist in search for missing millionaire Melissa Caddick as the accountant's colleagues speak | Daily Mail Online

I'm not reading it the way you do. My reading is that colleague does not mean employee, and that wages being paid into a superannuation fund managed by Melissa does not mean the woman was Melissa's employee, and "her wages" does not mean her entire wages. That the balance should have been around $700,000 does raise a question of it being the entire wage rather than around 10%, but I think it's more likely that an accumulated superannuation balance plus current superannuation, the former if not also the latter earned working for another organization, were moved to be under Melissa's control.

 

[Estelle]

I'm not reading it the way you do. My reading is that colleague does not mean employee, and that wages being paid into a superannuation fund managed by Melissa does not mean the woman was Melissa's employee, and "her wages" does not mean her entire wages. That the balance should have been around $700,000 does raise a question of it being the entire wage rather than around 10%, but I think it's more likely that an accumulated superannuation balance plus current superannuation, the former if not also the latter earned working for another organization, were moved to be under Melissa's control.

Yes I agree that MC would have suggested to her that she transfer it to Maliver. It would have been a regular ongoing amount going supposedly into her superannuation fund over many years.

 

[SouthAussie]

I'm not reading it the way you do. My reading is that colleague does not mean employee, and that wages being paid into a superannuation fund managed by Melissa does not mean the woman was Melissa's employee, and "her wages" does not mean her entire wages. That the balance should have been around $700,000 does raise a question of it being the entire wage rather than around 10%, but I think it's more likely that an accumulated superannuation balance plus current superannuation, the former if not also the latter earned working for another organization, were moved to be under Melissa's control.

A colleague is definitely not an employee.

A colleague is someone you work with at your job. When you are a teacher, the other teachers are your colleagues. When you work as a cashier at 7-11, the guy at the deli counter is your colleague as well.
colleague - Dictionary Definition

The 20 year person worked with Melissa.
The other person is called another colleague.

Neither of them were Melissa's employees.