PREPARED FOR
CRITICAL NOTICE TO LAW ENFORCEMENT
This document details a multi-year conspiracy involving:
- Insurance fraud exceeding $600,000 USD
- Systematic document forgery (will, insurance policies, separation agreement)
- Court document tampering and concealment
- Police department conflicts of interest and obstruction
- Judicial misconduct and institutional corruption
- Witness intimidation and malicious prosecution of victim (Armin)
All statements herein are supported by recorded audio evidence with exact timestamps. Over 50 hours of recordings document systematic obstruction.
EXECUTIVE SUMMARY
Rafael Salem died under suspicious circumstances. Within 48 hours, his personal computer containing estate documents was stolen. Over the following 5+ years, a coordinated conspiracy emerged involving:
1. INSURANCE FRAUD
$600,000+ life insurance policy fraudulently obtained and concealed by ex-wife Ivana with assistance from Crystal (claimed signing authority) and estate administrator Bill Benson.
2. SEPARATION AGREEMENT CONCEALMENT
Valid agreement executed November 2011 (4 identical copies exist, witnessed by Bart Segan for RAFI) was hidden from courts for 1.5 years (2016-2017), destroying Armin's inheritance rights.
3. WILL FORGERY
Original will replaced with "COPY" marked document; blank will exists; forensic analysis denied; Bill Benson admitted forgery on recorded calls.
4. COURT DOCUMENT TAMPERING
Critical documents missing from court files: Mother's affidavit (NOT FILED), Ivana's affidavit (NOT FILED), Separation agreement (NOT FILED), Formal settlement agreement (REDACTED with black marker).
5. SYSTEMATIC POLICE OBSTRUCTION
Windsor Police Service exhibits pervasive conflicts of interest.
"Everything's been hidden from the courts as well. They have to hide it from the courts."
— Officer Dan Call [03:10]
6. INSTITUTIONAL OBSTRUCTION
- • Law Society of Ontario: 3.5+ months no response (Elizabeth Hall)
- • OIPRD: Case in "screening" since July 25 with 6-8 week delays
- • Sun Life Insurance: No callback despite multiple requests
- • Multiple lawyers: Stalling, conflicts, no-shows (10 months in 2017)
7. VICTIMIZATION OF ARMIN
Facing criminal charges, death threats, malicious prosecution. Evidence suggests coordinated effort to silence him as he pursued fraud investigation.
8. NEW EVIDENCE — DEATH INVESTIGATION IRREGULARITIES
- • Autopsy by Dr. Queen identified genetic variant of uncertain significance
- • Potential cardiac arrhythmia links
- • Balance of probabilities standard allows foul play evaluation
- • Computer theft 2 days post-death suggests motive/opportunity timeline
- • Potential to reopen as criminal investigation
DOCUMENTED CRIMES (By Category)
[A] FINANCIAL CRIMES
- s.380 Insurance fraud — $600,000+
- s.334 Theft over $5,000
- Identity theft / impersonation for financial gain
[B] DOCUMENT CRIMES
- s.366-368 Forgery — Will, insurance forms
- s.340 Destroying/concealing documents
- s.131 Perjury — False affidavits
- s.137 Fabricating evidence
[C] OBSTRUCTION & CORRUPTION
- s.139 Obstruction of justice
- s.122 Public officer breach of trust
- s.139.1 Witness intimidation
- s.465 Conspiracy
[D] CROSS-BORDER DIMENSIONS
- 18 USC §1343 Wire fraud
- 18 USC §1341 Mail fraud
- RICO predicate acts (if pattern of racketeering)
- International MLAT jurisdiction
[H] COURT DOCUMENT TAMPERING & CONCEALMENT
Category: Destruction of Evidence, Court Fraud, Breach of Trust
Crimes: s.340 s.139 s.380 s.122
MISSING DOCUMENTS (Court File Review):
| # | Document | Status |
|---|---|---|
| 1 | Mother's Affidavit | NOT FILED |
| 2 | Ivana's Affidavit | NOT FILED |
| 3 | Separation Agreement (Nov 2011) | NOT FILED (concealed 1.5 yrs) |
| 4 | Formal Settlement Agreement | REDACTED (black marker) |
"That is absolutely all the files pertaining to your brother's estate."
— Court Clerk Statement
OFFICER DAN CALL — ADMISSION OF COURT CONCEALMENT
File: Call2WPSofficerDan...mp3
Actor: Officer Dan (WPS)
"Everything's been hidden from the courts as well. They have to hide it from the courts."
Legal Significance:
- Police officer admits documents were "hidden from the courts"
- Use of passive voice "they have to hide" suggests knowledge of actors
- Confirms intentional concealment, not accidental loss
[I] INSURANCE FRAUD ($600,000+)
$600K+
Life Insurance
+ House
Real Property
3
Primary Actors
s.380
Criminal Code
Actors: Ivana (ex-wife) Crystal Bill Benson
CRYSTAL'S SIGNING AUTHORITY DISPUTE
File: $$$MyCallWRayHamlin.mp3
"I'm the primary officer. I have signing authority."
— Crystal
Ivana's Response: Disputed Crystal's authority claim
Bill Benson: Confirmed Crystal's signing authority
THE INSURANCE POLICY THEFT
File: $$$MyCallWRayHamlin.mp3
"$600,000 plus his house. They allegedly stole the policy."
— Ray Hamlin (WPS)
[J] SEPARATION AGREEMENT CONCEALMENT (1.5 Years)
Execution Date
November 2011
Copies
4 Identical
Witness
Bart Segan (for RAFI)
Concealment
1.5 Years
RAY HAMLIN ADMISSION — "LIED AND HID IT FOR 1.5 YEARS"
File: $$$MyCallWRayHamlin.mp3
"Separate agreement existed; they lied and hid it for 1.5 years."
— Ray Hamlin (Windsor Police, Criminal Intelligence Unit)
Legal Significance:
- Police investigator confirms intentional concealment ("lied")
- Not accidental loss — active hiding
- "They" = multiple actors in conspiracy
[K] CONFLICTS OF INTEREST (Police & Institutional)
Pattern: Systematic conflicts of interest across multiple institutions preventing independent investigation.
RAY HAMLIN — ADMITTED CONFLICT OF INTEREST
File: $$$MyCallWRayHamlin.mp3
Ray Hamlin acknowledged personal ties and conflict of interest concerns during call with Lucy Salem.
Required Action NOT Taken:
- ✗ Recusal from case
- ✗ Referral to external agency (OPP, RCMP)
- ✗ Disclosure of conflict to complainant in writing
- ✗ Supervisor notification