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