letter to Geniere aplin, CEO, icare, regarding how easy it is to scam icare

 Geniere Aplin 

Chief Executive Officer

icare

by email

27th March, 2025

 

Dear Ms Aplin

 

re XXX v Workers Compensation Nominal Insurer (icare)

 

Following on from my letters to you of 5th, 7th and 14th February.

 

Yesterday I received an email from Tariq N (he did not provide his second name) enquiring about my "concerns on the claim for the worker, Cxxx Mxxx".

 

I subsequently had a conversation with Tariq on the phone. He asked me if I was happy for the conversation to be recorded. I informed Tariq that I had no objection at all. I hope that you and others at icare have an opportunity to either listen to the recording of our conversation or to read a transcript of it. 

 

In brief: 

 

Tariq told me that he was unable to find in the icare computer system any reference at all to the matter of XXXX v Workers Compensation Nominal Insurer (icare). He wanted me to help him locate the case.

 

I expressed my dismay, my bewilderment,  that this matter - the persecution and prosecution of Ms. L, having dragged on for five years and been the subject of an investigation by the Personal Injuries Commission - could not be found by Tariq or, it seems, by anyone else within icare's computer.

 

There are two possible explanations for this: (1) The icare computer system is badly in need of upgrading and (2) all of my correspondence this past two years has been consigned to 'Trash' and hard copies of my letters fed into a document shredder. If this latter be the case, please be aware that copies of all my correspondence have been sent to Premier Christopher Minns, to Attorney General Michael Daley, to the Personal Injuries Commission and to ICAC.

 

I have appended below copies of my letters to you of 5th,  7th and 14th February lest they too have disappeared from the icare computer and the hard copies from icare's files. Again, I will cc this letter to Minns, Daley, the PIC and ICAC. I have appended also the last letter I sent to Mr. Stuart Farquharson Interim CEO on 9th December 2024.

 

 

I will also post this letter to you on my blog.  I will not, for the next few days at least, identify CM. Given how new you are to your job, it is appropriate to give you an opportunity deal with this matter appropriately, in accordance with the facts that have been at icare's disposal for five years now; to deal with it immediately.

 

The icare employee to speak with is Mr. Butcher,  Senior Collections Officer. He is well aware of all the facts relating to this matter and knows that Mr. M has scammed icare and in possession of the evidence of how he has done so. He is aware also that this scam has had a seriously deleterious effect on both the professional and personal lives of Ms. L.

 

yours sincerely

 

James Ricketson

 

cc Premier Chris Minns

Attorney General Michael Daley

Mr. Butcher, Senior Collections Officer

Tariq N

PIC

ICAC

 

for Chris Minns, Premier, on how easy it is to scam icare

                                                                James Ricketson

58 Braidwood Road

Goulburn 2580

jamesricketson@gmail.com

0488543555

 

The Hon. Christopher Minns, MP 

Premier of NSW

GPO Box 5341
Sydney NSW 2001                                                               6th. March 2025

 

Dear Premier

 

re xxxx v Workers Compensation Nominal Insurer (icare)

 

Further to the thirteen letters I have written to you regarding this matter.

 

I read with interest in yesterday’s Australian Financial Review that your government

“intends to cut the growing workers’ compensation bill from psychological injury claims in a reform package it says will rebalance towards prevention.” 

 

This is welcome and long overdue news.

 

The matter involving CMs’ scamming of icare is one I have written to both yourself and Attorney General Michael Daley about many time this past couple of years. 

 

Other than electronic acknowledgements of receipt, my letters have been ignored. Sources within your government tell me that my letters have not made it to your desk or to that of Michael Daley. This is a pity as I believe that this case - dragging on for over five years now - is a text-book example of how easy it is for an individual to scam the system with a fake psychological injury; a scam that will, in the case of CM, result in ‘workers’ paying him over $1 million in the next couple of decades through their increased premiums.

 

If your government, if icare and the PIC are serious about ‘prevention’ you really should look closely at this matter. You will be horrified and ask the obvious questions: 

 

“How was CM able to pull off this scam? Why did no-one at icare take a close look at the facts, as opposed to unsupported allegations, ask the obvious questions, and nip this scam in the bud 2 or 3 years ago: bring this legal farce to an end BEFORE pursuing, persecuting and prosecuting AL, destroying her business of 40 + years and causing her several years of emotional and psychological stress – resulting in her now suffering from PTSD and in very real danger of having to sell her only asset – her home – to partially finance CM's scam?

 

The bulk of the costs of CM’s scam will be borne, of course, by increased premiums paid by workers in coming decades.

 

 This is an easy problem to solve. All that is required is for icare and the PIC to practice due diligence, ask obvious questions of CM and scamsters like him and not accept at face value medical reports such as the ones provided by Dr. Oldtree Clarke and Dr, McKay.

 

In the case of Dr. Clarke only one question needs to be asked, first up:

 

How can you assess the mental health of a client you have never met and only spoken with once on the telephone?

 

In the case of Dr. McKay the opening questions could be:

 

Why did you tell Michaels, before he started work at Sweet Art, that he could only work for 15 hours a week as a result of his mental health issues, and then support Michaels when he told you (and icare) that he was working full time for Sweety Art?.

 

Why do you need to see Mr. Michaels every week, s you have for years now?

 

Once alarm bells ring, and they will, there are many more questions to be asked, as any impartial reader of the relevant documents will realise.

 

In the meantime, and until you are satisfied that Mr. M has NOT scammed icare and the PIC, as I assert, please cease pressuring Mr. L to keep paying icare and causing her intense financial and emotional stress. 

 

And, when you come to the conclusion, as I am sure  you will, that icare, through its own incompetence, has allowed itself too be scammed by Mr. M, repay Ms. L the money she has already paid to the insurer and offer her the sincerest of apologies for its treatment of her this past 5 years.

 

Yours sincerely

 

James Ricketson

 

cc icare

Attorney General Michael Daley

Judge Phillips, Personal Injuries Commission

Daniel Mookhey

Anthony Butcher, Senior Collections Officer, icare

Abigail Boyd

ICAC

Invitation to care CEO Geniere Aplin to be interviewed regarding this matter

                                                                 James Ricketson

58 Braidwood Road

Goulburn 2580

jamesricketson@gmail.com

0488543555

 

 

Geniere Aplin 

Chief Executive Officer

icare

by email

21^st  February, 2025

 

Dear Ms Aplin

 

re xxxx Pty Ltd v Workers Compensation Nominal Insurer (icare)

 

Following on from my letters to you of 5^th, 7^th and 14^th February – to which I have received no response.

 

Before publishing my article I would like to invite you to participate in an interview regarding this matter at some time in the next two weeks.

 

Yours sincerely

 

James Ricketson 

 

cc Premier Christopher Minns

Attorney General Michael Daley

PIC

ICAC

to Geniere Aplin, CEO icare

                                                              James Ricketson

58 Braidwood Road

Goulburn 2580

jamesricketson@gmail.com

0488543555

 

 

Geniere Aplin 

Chief Executive Officer

icare

by email

14 th February, 2025

 

Dear Ms Aplin

 

re xxxx Pty Ltd v Workers Compensation Nominal Insurer (icare)

 

Following on from my letters to you of 5th and 7th February.

 

If someone within icare with no vested interest in what has transpired in this matter over the past five years were to look closely at the facts, s/he would come up with the following questions - to add to the many questions I have asked this past two years:

 

- Did CM really try to kill himself in 2019. He told the police that he did not.

 

- Why has CM been going to see Dr. McKay once a week for years now? For what purpose? Is this a scam?

 

- Where does CM acquire the jewellery that he sells online? Are these stolen goods?

 

Having spent two years looking as closely at this matter as I can, I have come to the conclusion that CM  is a scam artist with a long history of complaints against employers; that both icare and the PIC have known this for years but, having set this legal farce in motion, there would be too much loss of face on the part of various people involved to have to admit, 'We have been conned.'

 

The end result of this will be, if it is not corrected by yourself, a bill for well over a $1 million over the next decade an d a half - paid to a conman who has gamed the system.

 

If, by the end of this month, this matter is not brought to a conclusion that is fair, based on verifiable facts, I will feel under no compunction to continue to redact Mr. Ms' name on my blogspot. 

 

yours sincerely

 

James Ricketson

cc Premier Chris Minns

Attorney General Michael Daley

ICAC

icare and the Personal Injuries Commission guilty of fraud

                                                                  James Ricketson

58 Braidwood Road

Goulburn 2580

jamesricketson@gmail.com

0488543555

 

 

Geniere Aplin 

Chief Executive Officer

icare

by email

7th February, 2025

 

Dear Ms Aplin

 

re XXXX Pty Ltd v Workers Compensation Nominal Insurer (icare)

 

Following on from my letter to you of 5th February.

 

After two years of investigations irrefutable evidence of fraud  in this matter is now available to me. This fraud has been committed by icare, with the tacit approval of Judge Phillips and Kerry Haddock at the PIC.

 

Both icare and the PIC have been aware of the following facts right from the outset of this matter:

 

- On 8th July 2019 Dr. Brad McKay wrote a report in which he made it clear, just weeks after CMs' supposed suicide attempt (itself a fraud) that M was paranoid and not in a fit state to work for the following three months.

 

This report was for the benefit of Centrelink, in relation to Mr. Ms' pension.

 

- On 11th July 2019 Mr. M commenced work at xxx.

 

- On 15th July 2019 Mr. M informed Dr. Mc Kay that he had been offered 25 hours a week with xxx.

 

These facts were known to icare when it decided to pursue Ms. L legally. Mr. Butcher should be asked to resign immediately for having perpetrated this fraudulent claim against Ms. L.

 

Judge Phillips and Ms. Haddock knew these facts when they found against Ms. L - insisting that Mr.M had suffered so badly from bullying at the hands of Ms. L that he would never be able to work again - despite their knowing that on medical advice from Dr. McKay he should never have been working for xxx in the first place.

 

Judge Phillips and Ms. Haddock should be fired by whoever has the authority to do so - for either incompetence or corruption. Or both.

 

This is your problem now, Ms. Aplin, and if you are not prepared to rectify it immediately, you too should resign as you are now complicit in this fraud.

 

yours sincerely

 

James Ricketson

cc Premier Chris Minns

Attorney General Michael Daley

ICAC

to Geniere Aplin Chief Executive Officer icare

                                                                 James Ricketson

58 Braidwood Road

Goulburn 2580

jamesricketson@gmail.com

0488543555

 

Geniere Aplin 

Chief Executive Officer

icare

by email

5th February, 2025

 

Dear Ms Aplin

 

re XXXX Pty Ltd v Workers Compensation Nominal Insurer (icare)

 

In the event that neither Chair, John Robertson nor  interim CEO, Stuart Farquharson have brought this matter to your attention, I am writing to you and placing this letter on record, in the public domain  - with some names redacted for the time being - in the hope that you will bring this legal farce to an end immediately.

 

You will find on my blog documentation of much of what has transpired this past five years in relation to the pursuit, persecution and prosecution of Ms. L by icare - with the blessing of the PIC.

 

Your predecessors Mr. Harding and Mr. Farquharson have chosen to turn a blind eye to what is clearly a gross miscarriage of justice.

 

Premier Chris Minns and Attorney General Michael Daley have likewise turned a blind eye to the injustice that has been visited upon Ms. Leonard this past five years. 

 

This has had a disastrous impact on her professional and personal lives, but this is of no concern to icare, the PIC, the Premier or the Attorney General. They have all stood by as Ms. L was bullied into signing a document and making a payment to icare - despite their knowledge that she has received medical advice NOT to sign any documents at all right now as she is not in a fit mental state to do so.

 

yours sincerely

 

James Ricketson

cc Premier Chris Minns

Attorney General Michael Daley

PIC

ICAC

 

Another letter to Premier Chris Minns

  

The Hon. Christopher Minns, MP 

Premier of NSW

GPO Box 5341
Sydney NSW 2001                                                               28th Janurary 2025

 

Dear Premier

 

Further to my letter of 13th. December 2024, and to the dozen letters I have written prior to that.

 

It is now more than five years since icare decided to pursue Ms. L legally and turned her life into a living nightmare. 

 

If only on these grounds alone, surely, some body (or somebody) independent of both icare or the PIC. should step in and start to ask why it has taken this long?

 

It has come to my attention that PM, Ms. L's lawyer, is pressuring her to sign a document today - despite the fact that he knows full well that Ms L is not in a fit state mentally or emotionally to be signing any legal document at present.

 

I overheard a conversation on the telephone between Ms. L and Mr. M in which he described Kerry Haddock as 'a friend of mine.'

 

Is this of no concern? Does it not set some alarm bells ringing?

 

Of concern also should be the fact that Craig M has identified Ms. L as his employer on his Facebook page. In so doing he has forfeited his right to remain anonymous - as I have, to date in my blog, out of respect for his mental illness. (see attached screenshots of Mr. M' Facebook pages)

 

Mr M makes it clear on Facebook that he is working and earning money selling various products - including quite expensive jewellery. Is he paying tax on  the money he earns? Is he informing icare of his earnings? Or is he making a fool of icare and the PIC, as he has this past five years with his lies and deception.

 

And both icare and the PIC are prepared to bankrupt Ms. L and force here to sell her house on the basis of statements made by a con man - with no evidence at all to support his allegations.

 

If Mr. M succeeds in getting Ms. L to sign away her house, this legal farce is going to hit a new low.

 

yours sincerely

 

James Ricketson 

 z