Syndicated by: Montana News
By: Investigative reporter Donald Cyphers
Billings, Montana--//MNA Press//-- Taking a closer look at the Friedel, LLC, dba Freedom Bail Bonds, what is their Mode of Operandi? And do they do things by the book or do they have a history of operating outside of the law?
The answer to this question may be an easy one, the facts speak for themselves and
why does DPHHS, Billings CPS use Friedel LLC to preform their drug testing?
Rich Fridel, Managing Member at Friedel, LLC
Billings, Montana Area
Individual & Family Services
Let's turn the spotlight up a bit brighter.
The Montana News has discovered case#INS-2012-241 This case was brought by Michael A. Kakuk who is the State Auditor for the Office of the Commissioner of Securities and Insurance for the state of Montana.
Also the attorney for CSI (Commissioner of Securities and Insurance)
A notice of proposed agency action and opportunity for hearing was scheduled for the defendant Friedel, LLC, dba Freedom Bail Bonds. In this case, the Staff at the Office of the Commissioner of Securities and Insurance wanted action against Fridel, LLC, dba Freedom Bail Bonds for violations of the Montana Law.
Their reasons for the action taken was for the following facts which are as outlined as follows:
Friedel., LLC, aba Freedom Bail Bonds, was licensed with CSI as only a surety bail producer, license #750457 and that Fridel., LLC, dba Freedom Bail Bonds has not nor was not appointed with any insurers according to State records at the time of this Court filing.
Friedel.,LLC,dba Freedom Bail Bonds is affiliated with Chris Friedel, Douglas Friedel, Neil Friedel Richard Friedel and Michelle Riley, who are licensed only with the CSI as a surety bail producer and claim to be appointed by Roche Surety and Casualty Company, Inc. (Roche).
On June 29, 2012 Friedel., LLC, dba Freedom Bail Bonds entered into an agreement with Christopher McBride to provide a bail bond in the amount of $5,000.00
Friedel.,LLC asserted that they would charge 18% interest per annum on any unpaid balance. Friedel.,LLC also entered into an indemnity agreement with Mary Marchington and had her execute a promissory note for McBride's bond.
August 14, 2012 rolled around and two of Friedel's agents, apprehended McBride for failure to appear in a Court case. They took him to the Yellowstone County Sheriff's Department.
Then on August 23,2012 Mary Marchington received a billing from Friedel's in the amount of $2,450.00
The problem with the invoice that Friedel LLC., produced and mailed to Mary Marchington was that it stated that "all outstanding balances are subject to an 18% per annum and all amounts are due on demand"
That invoice illegally charged Mary Marchington the amount of $100 per hour for agent time spent apprehending McBride and for the time that they claimed to have spent perfecting a title on a vehicle which was pledged as collateral for the bond, and the charge of $300 for "miscellaneous " costs. Was that even legal?
What we DO know, and was NOT legal, is the fact that Friedel LLC.,dba Freedom Bail Bonds charged Mary Marchington and did not disclose to Marchington that there were fees of $100 per hour being charged or collected as part of those documents, referring to the bail bond agreement, the indemnity agreement and the promissory note.
On August 25, 2012 CSI received a complaint that Friedel was being illegal and were deceptive in their business practices regarding Friedel's invoice they sent and the taking of McBride's collateral.
Note that from Jan 2012 and throughout the year, the Federal Reserve System only had an interest rate for bank primary loans of only 3.25% Hmmm 18% vs. 3.25%
Not only was Friedel LLC., dba Freedom Bail Bonds accused, of taking an asset that they could not, but charging for money that they could not.
The MCA codes state that an insurance producer means, a person required to be licensed under the laws of the state to sell, solicit, or negotiate insurance 33-1-202(3).
Friedel LLC., is an insurance producer as defined by 33-17-102(10).
In that case, it was clear that Friedel knew that under the law of MCA 33-17-236. An insurance producer may NOT CLAIM TO BE A REPRESENTATIVE OF, OR USE ANOTHER TERM IMPLYING A CONTRACTUAL RELATIONSHIP WITH A PARTICULAR INSURER UNLESS THE INSURANCE PRODUCER IS AN APPOINTED INSURANCE PRODUCER OF THAT INSURER.
Friedel, LLC in fact is and was accused of expressly stating that there was a contractual relationship between it and ROCHE when in FACT, according to Court records, FRIEDEL LLC was NOT appointed by ROCHE which makes Friedel in violation of 33-17-236.
The law states that an insurance producer who violates 22-17-236 is subject to a fine of up to $5,000 per violation, pursuant to 33-1-317.
And as for the incredible high interest rate Friedel LLC was charging, being 18%, the law stated very clearly that a person may not charge or agree in writing to an interest rate greater than 15% or an amount that is 6 percentage points above the Federal Reserve System bank Prime rate, whichever is greater. This law can be found in 31-1-107.
As to the Deceptive business practices that Friedel was engaging in? The Law clearly states that a person engaged in the business of insurance and who charges or attempts to charge an interest rate in violation of 31-1-107 and or 31-1-108 has engaged in an unfair or deceptive act or practice. This is found in 33-18-1003(1).
The law clearly states that a person engaged in the business of insurance who charges or attempts to charge a $100-per-hour fee without prior disclosure of that fee has engaged in an unfair and deceptive act which is in violation of 33-18-1003(1).
In this case Fridel LLC dba Freedom Bail Bond charged Mary Marchington a $100-per-hour fee without disclosing of that fee, which makes Friedel LLC dba Freedom Bail Bonds in direct violation of 33-18-1003(1).
In this case the law is clear that anyone who violated the section of 33-18-1003 is subject to a fine of up to $5,000 per violation, pursuant to 33-1-317 and that and order enjoining those practices pursuant to 33-18-1004.
The State Claimed and alleged that Friedel, dba Freedom Bail Bonds, and those affiliated with Friedel, LLC dba Freedom Bail Bonds which would be Christopher Friedel who now, years later, is a Billings City Council Member, Douglas Friedel, Neil Friedel and Richard Friedel including Michelle Riley, who are all licensed with the CSI as a surety bail producers, would be in violation of Montana Law and therefore the state CSI, was asking for an imposition of a fine , but not to exceed $25,000 per violation of the Code. 33-17-317.
And; entering of an order enjoining Friedel, LLC,dba Freedom Bail Bonds, from acts or practices in violation of 33-18-1003.
Photo of: Billings City Council Member Christopher Friedel
Basically the Friedel's got caught, being corrupt. So...going back to the beginning question that the Montana News put forth to our viewers in the beginning of this article, The answer to this question may be, the facts speak for themselves and
Why does DPHHS, Billings CPS use Friedel LLC to preform their drug test? Well, because their drug testing is fraudulent according to a Federal law suit filed against them by Krissy Sanchez, and not 100% percent reliable. Based on Friedel, LLC's business history, in this case, corruption attracts corruption.
So could that be why, DPHHS/CPS uses Fridel, LLC dba Freedom Bail Bonds to do their drug tests on innocent families being traumatized by evil CPS case workers?
It's biblical that Evil attracts Evil... That's very biblical. and according to the Federal Law Suit against the Fridels, Corruption seems to attract corruption or to put it another way, birds of a feather flock together. You the reader, read and decide for yourself, because the facts are their, open your eyes and ears and seek the truth.
This article was published by: Donald Cyphers Investigative reporter License# USPA-ID-US/VI-01/29995