FD-302 (Rev.

10,6,95)
- 1 -
FEDERAL BUREAU OF INVESTIGATION
Date of transcription
08/05/20l0
VELDORA ARTHUR,

was interviewed at the U.S.
Attorney's Office by Federal Bureau of Investigation (FBI) Special
Agent (SA) Darin M. Didier. Also present for the interview were
Assistant U.S. Attorney Armando Rosquete, ARTHUR's Attorney Brian
Bieber and another attorney, Larry Handfield, who ARTHUR invited to
the interview. ARTHUR and her attorneys signed a castigard letter
prior to the interview. After being advised of the identity of the
interviewing agent and the nature of the interview, ARTHUR provided
the following information:
In approximately January 2006, ARTHUR was contacted by
her friend of l5 or l6 years, RODLER MEZADIEU (ph). MEZADIEU asked
ARTHUR if she'd be interested in real estate investments. MEZADIEU
told ARTHUR that he knew a guy that he had done some deals with.
with the housing boom, MEZADIEU told ARTHUR that now was the time
to invest.
ARTHUR and MEZADIEU met again at an Applebee's at
Sawgrass Mills. MEZADIEU told ARTHUR that he and his partner
looked for distressed properties and properties that owners wanted
to offload. The properties would be held for a year and then sold
for a profit when the value increased. MEZADIEU told ARTHUR that
they only invested in properties that had $400,000.00 of equity or
more above the purchase price. MEZADIEU told ARTHUR that his
partner in these transactions was NEIL FAGAN. MEZADIEU discussed
some of his previous transactions with ARTHUR before the meeting
was finished.
ARTHUR and MEZADIEU agreed to meet with FAGAN to discuss
the potential investments. At the time, ARTHUR was interested in
making extra money because she was sending one of her kids to
college and the other kid to private school.



Investigation on
---,0",8"-L/ Mi ami, Flo r i da
File # Date dictated Not Dictated
by SA Darin M. Didier
This document contains neither recommendations nor conclusions of the FBI. It is the property of the FBI and is loaned to your agency;
it and its contents are not to be distribllted outside your agency.
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ARTHUR met with MEZADIEU and FAGAN at vacation Villages
in Weston, Florida. FAGAN talked with ARTHUR about being a devout
Christian, which interested ARTHUR. FAGAN talked about himself and
how he had struggled in the past, but through God, he was able to
get where he was. FAGAN had a Bentley, a Mercedes and a Range
Rover. FAGAN told ARTHUR he was married and he showed pictures of
his kids to ARTHUR. MEZADIEU talked about their clients that
wanted to offload properties, including distressed properties.
FAGAN emphasized condominiums at HIDDEN BAY CONDOMINIUMS in
Aventura, Florida, and FAGAN told ARTHUR that FAGAN already
invested in condos there. FAGAN explained that he was vying for a
spot on the board at HIDDEN BAY CONDOMINIUMS. FAGAN had a laptop
that had pictures of the properties and he showed the pictures to
ARTHUR. FAGAN told ARTHUR that they would rent out the condo she
invested in. The condo would be rented for social events, business
meetings or short-term leases. ARTHUR told FAGAN that she did not
have time to "babysit" the condo. Because FAGAN worked with
MEZADIEU, a man ARTHUR used to date and that she had known for
years, ARTHUR trusted FAGAN to handle the investment for her.
FAGAN told ARTHUR that a portion of the funds at closing would go
to FAGAN for FAGAN to make the monthly mortgage payments until the
property was sold after a year. The proceeds that FAGAN would take
at closing would equal 12 months' worth of mortgage payments.
ARTHUR was to be paid a portion of the proceeds at closing for
buying the unit and to spruce up the condo unit to make it
appealing as a rental. FAGAN explained to ARTHUR that the market
had new standards which were less conservative and made financing
easier to obtain. FAGAN told ARTHUR she would not need to put any
money down nor provide any money at closing. FAGAN explained the
setup as being like a partnership in whiCh FAGAN would provide the
down payment and closing costs as well as paying the monthly
mortgage payments. FAGAN and ARTHUR never had the partnership in
writing. FAGAN and MEZADIEU told ARTHUR that they were unable to
buy any more investment properties themselves because they were
stretched thin with other investments and their credit was bad.
ARTHUR agreed to purchase one of the condos.
After agreeing to buy the unit, ARTHUR faxed a
handwritten application to MEZADIEU along with copies of her bank
statements, pay stubs, W-2s and tax returns. MEZADIEU told ARTHUR
that he would give the documentation to FAGAN.
At some point prior to buying the unit, FAGAN met ARTHUR
at the HIDDEN BAY CONDOMINIUMS. FAGAN introduced ARTHUR to members
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of the board at HIDDEN BAY and they seemed to like FAGAN. FAGAN
seemed established at HIDDEN BAY.
At some point after ARTHUR provided her information to
MEZADIEU, FAGAN called ARTHUR and told her that they needed to meet
up that day for closing. The closing happened late in the day at a
condo unit at HIDDEN BAY that was set up like an office. Only
ARTHUR and FAGAN were present for her signing of the closing
documents. ARTHUR had to hurry in signing the documents because
she had to pick up her daughter from school. FAGAN flipped through
the documents quickly and had ARTHUR sign the necessary documents.
When signing the closing documents, ARTHUR did not know the value
of the condo she was buying nor did she know the amount of the loan
she received. FAGAN told ARTHUR not to date the documents she was
signing. ARTHUR purchased unit 3711 at HIDDEN BAY CONDOMINIUMS,
3370 NE 190
th
Street, Aventura, Florida. ARTHUR had no intention of
living at the condo unit and only planned on owning the unit as an
investment. FAGAN told ARTHUR that he would give her a copy of the
closing documents at a later time, but he never did. At some point
either before or after the purchase, ARTHUR and FAGAN went to the
condo she bought. The closing took approximately 15 minutes.
Within weeks after the closing, FAGAN called ARTHUR and
told her to meet him at the BANKATLANTIC branch at LOEHMANN'S PLAZA
on Biscayne Boulevard. FAGAN and ARTHUR went into the lobby of the
bank and then FAGAN went by himself up to a teller, who FAGAN
seemed to be friendly with. FAGAN came back over to ARTHUR and
gave her a check, believed by ARTHUR to be a cashier's check, for
$160,000.00, which represented ARTHUR's proceeds from the purchase
of unit 3711 at HIDDEN BAY. ARTHUR spent some of the proceeds on
furniture to spruce up the condo unit and was planning on using
approximately $40,000.00 to buy a 500-series Mercedes Benz at
auction. At the time of purchasing unit 3711, ARTHUR had an
Infiniti 130.


ARTHUR's daughter was going to need a car and since ARTHUR had the
money from the condo purchase, she decided to buy the 2003 500-
series Mercedes Benz at auction. Originally, ARTHUR was planning
on buying the car in cash, but then decided to finance the vehicle
instead. The rest of the money ARTHUR received from purchasing the
condo unit went to investment properties; one condo unit in Tampa,
Florida, and a piece of land in Ocala, Florida.
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When getting the check for ARTHUR, FAGAN told ARTHUR that
the closing did not go as planned, so FAGAN did not have the money
for the mortgage payments. FAGAN told ARTHUR that there was a
second condo unit at HIDDEN BAY that he lined up for ARTHUR to buy
which could be used to make up for the money he didn't get in the
last closing. FAGAN told ARTHUR that the transaction would happen
quickly since FAGAN already had ARTHUR's information from the last
transaction.
ARTHUR sent mortgage payments to the lender for unit 3711
and paid the utilities, etc on the unit. The unit was vacant while
ARTHUR owned it and all of the bills came directly to the unit.
ARTHUR learned of the value of the loan for unit 3711 when she had
to make the mortgage payments.
For the second condo unit, FAGAN told ARTHUR that he
would utilize the unit himself as an office. FAGAN would then buy
the unit from ARTHUR within four to six months. FAGAN told ARTHUR
that he was in the middle of a transaction in Bal Harbour involving
his entertainment business. ARTHUR did not need to provide any
additional documents for the second condo purchase. FAGAN was
supposed to make the monthly mortgage payments on the second condo
unit as well. ARTHUR never went to the second unit, Unit 3111, at
HIDDEN BAY.
For the closing of the second condo unit, FAGAN and
ARTHUR met at the same condo at HIDDEN BAY to sign the closing
documents. The closing for unit 3111 was one to two months after
the closing for unit 3711. Only FAGAN and ARTHUR were at the
closing. At the time of the closing, ARTHUR did not know the value
of unit 3111 nor did she know the amount of the loan being taken
out in her name. FAGAN might have told ARTHUR not to date the
documents she was signing. FAGAN did not tell ARTHUR that he would
receive any proceeds except for those needed to pay the mortgage.
ARTHUR was unsure about the duration of the closing, but the
process worked the same as it did in the first closing.
Some time after the closing on unit 3111, ARTHUR met
FAGAN at the BANKATLANTIC again, where FAGAN went in by himself
while ARTHUR waited in her car with her daughter. FAGAN returned
to ARTHUR and presented her with a check, believed to be a
cashier's check, for $100,000.00.
FAGAN made one or two mortgage payments on unit 3111
before sending in a check that bounced. The lender called ARTHUR
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about the missing mortgage payment, so ARTHUR called FAGAN. FAGAN
told ARTHUR that he was spread thin, but had transactions that were
about to close_ FAGAN told ARTHUR that they could refinance unit
3711 to reduce the mortgage payment. FAGAN told ARTHUR that they
could not refinance unit 3111 because of the late payments_ FAGAN
referred ARTHUR to a broker whose name started with KA (known to
Agents as and an appraiser, who ARTHUR believed
did the original appraisals for both units at HIDDEN BAY. When the
refinance was close to being completed, ARTHUR gave two
checks; one check for approximately $S,OOO.OO and the other check
for approximately $27,000.00. ARTHUR knew one check was for the
refinance and the other check was for the fees and costs. After
the referral by FAGAN, ARTHUR dealt directly with on the
refinance and FAGAN was no longer involved in the transaction. The
closing for the refinance took place at office's
conference room. Only and ARTHUR were at the closing_
ARTHUR was not aware of any money being cashed out via the
refinance_
After the refinance, ARTHUR realized that she was going
to be responsible for both units, although FAGAN was occupying unit
3111. ARTHUR contacted realtor KEN LIMA of KELLER REALTY to list
unit 3711. ARTHUR gave LIMA a value that she wanted to sell the
unit for, but LIMA's research showed that the value of the unit was
much lower. ARTHUR was shocked at the value that LIMA placed on
unit 3711. LIMA told ARTHUR that the appraisals on the units were
higher than the actual value of the property. LIMA told ARTHUR
that FAGAN invested in a lot of units at HIDDEN BAY, which inflated
the values of several condos at HIDDEN BAY.
During that time, FAGAN was not answering ARTHUR's calls
and would not meet with ARTHUR. FAGAN did not give ARTHUR the
closing documents for either of ARTHUR's units, so ARTHUR had to
get the documents from the title company.
ARTHUR asked LIMA for help to evict FAGAN from unit 3111.
LIMA put ARTHUR in contact with an attorney located near 6
th
Avenue
and 16S
th
Street to help evict FAGAN. At the time of eviction, unit
3111 was vacant, but FAGAN had set up an office in unit 3111 at
some point prior to that date.
ARTHUR then contacted DENISE RUBIN of COLDWELL BANKER to
list unit 3111 for sale. Both units, 3711 and 3111, were in
foreclosure at the time and LIMA was working on a short sale of
unit 3711_ ARTHUR filed a countersuit against FAGAN, the sellers
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of unit 3711 and other parties for recission of the mortgage due to
fraud. Because RUBIN was not making any progress with unit 3111,
ARTHUR asked LIMA to take over the sale of unit 3111. Around that
time, the condo association at HIDDEN BAY contacted ARTHUR to tell
her that they were foreclosing on unit 3111 on that day or the
following day, The association asked for ARTHUR's keys to the
unit. ARTHUR had been working with the lender on a short sale of
unit 3111, but was blind-sided by the condo association foreclosure
action. To this date, ARTHUR is still working on trying to sell
unit 3111 via short sale.
ARTHUR went to real estate attorney Leon Sharp to assist
her when she noticed that there was fraud on her transactions, but
Sharp was non-responsive. ARTHUR then contacted Bieber, who
brought her case to law enforcement.
All of ARTHUR's properties are currently in foreclosure.
When ARTHUR was at Barry University, where she graduated
with a Bachelors Degree in Public Administration in 2001, she was
friends with a woman named who worked at the Dade County
Medical Examiners Office. In conversations with ARTHUR
found out that was married to FAGAN. told
ARTHUR that FAGAN put all of his money into an account in Jamaica.
At the time ARTHUR took out the loans on units 3711 and
3111, she worked at the City of Miami Fire Department as the
Personnel Officer and Executive Assistant. At the time of the
loan, ARTHUR was making between $107,000.00 and $117,000.00 a year.
ARTHUR got licensed on the job and did a lot of community outreach
work. ARTHUR worked at the fire department since 1986 and now has
the title of Assistant Fire Chief.
ARTHUR's bank balance at the time of the transactions was
less than $20,000.00. ARTHUR had a deferred compensation, or
pension, account, but no money market or stock trading accounts at
the time of applying for the loan. ARTHUR previously had a
$10,000.00 investment in the stock market, but the money had been
lost prior to the HIDDEN BAY condo purchases. ARTHUR only owned
her house in Weston when she purchased the two condos. At some
point before or after buying the HIDDEN BAY properties, ARTHUR was
working with on buying a property in Port Saint Lucie,
but she never bought the property. forged her signature on a
document which gave her an interest in the Port Saint Lucie
property.
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ARTHUR's friend bought a condominium in
Tampa and told ARTHUR it was a good investment, so ARTHUR used part
of her proceeds from the HIDDEN BAY condo purchases to buy a condo
at 1201 High Hammock Drive in Tampa. The condo was located in a
new development in south Tampa called Bronson or Branson. The
Tampa condo is now worth around $45,000.00.
ARTHUR heard about the Ocala land that she bought from

ARTHUR grew up in Liberty City and went to Miami Edison
Senior High School. ARTHUR acquired her father's property after
her father passed away in April 2007.
At this point in the interview, SA Didier showed ARTHUR
the following documents and asked ARTHUR to respond to the
shown to her. All documents shown to ARTHUR were included In an
FD-340 envelope for inclusion in the 1A section of the substantive
case file. The first set of documents shown to ARTHUR were for the
$1.365 million loan on her purchase of unit 3711. The documents
shown to ARTHUR were the following:
1) HUD-1 Settlement Statement showing a purchase price of
$1.3 million - ARTHUR confirmed the signature on the statement was
her signature. ARTHUR did not provide the $50,000.00 earnest
money. ARTHUR did not go to SERVICE FIRST TITLE, LLC for the
closing.
2) HUD-1 Settlement Statement showing a purchase price of
$2 million - ARTHUR confirmed the signature on the statement was
her signature. ARTHUR did not provide the $50,000.00 earnest
money. ARTHUR had not heard the name REGIS HOLDINGS that was
listed on the settlement statement and did not know the company was
FAGAN's company. ARTHUR was not familiar with the name LANDAMERICA
HOLDINGS either.
3) Assignment of Contract listing purchase price as $1.3
million - ARTHUR stated the signature on the contract was not her
signature.
4) Assignment of Contract listing purchase price as $1.45
million - ARTHUR stated the signature on the contract was not her
signature.
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5) Loan Application
ARTHUR confirmed the signature on the loan application was her
signature, but stated the signature on the page where "PG, 12"
appears on the top was not her signature. ARTHUR did not know the
loan officer nor did she know the lender. ARTHUR stated she never
worked at GATEWAY ASSOCIATES, LLC, which was owned by ,
and was not the CEO. ARTHUR was not self-employed and did not even
earn the approximately $16,000.00 listed as her monthly income at
the fire department. ARTHUR did not intend on living in the
property and never did live in the property. ARTHUR bought unit
3711 as an investment. ARTHUR did not speak with until
the refinance. The "Race:" check box was incorrectly checked
"White" for ARTHUR.
6) Address Affidavit -
ARTHUR stated that the signature on the affidavit was not her
signature.
7) Occupancy Statement ) -
ARTHUR confirmed her signature on the statement, but never intended
on living in the property.
ARTHUR was then shown documents for the $292,500.00 loan
on her purchase of unit 3111 at HIDDEN BAY and the following are
her responses:
1) Loan Application - The
income amount for her fire department job was overstated and ARTHUR
never worked at GATEWAY ASSOCIATES, LLC. The bank account listed
was not her bank account. ARTHUR did not have a SUNTRUST BANK
account. The signatures appearing on the application are her
signatures. The value of her Weston home was less than $1.1
million and she did not plan on renting the Weston home since that
is where she lived. The other property she had in her name was not
a mobile home.
2) HUD-1 Settlement Statement
- ARTHUR did not receive that "Cash to Borrower" of
$288,757.90 from the transaction. The signature on the statement
was ARTHUR's signature.
ARTHUR never met the seller of either condo unit. RUBIN
was familiar with the units that ARTHUR owned and believed that
RUBIN knew of FAGAN.
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ARTHUR was then shown documents for her purchase of unit
3111 at HIDDEN BAY and the following are her responses:
1) HUD-1 Settlement Statement - ARTHUR confirmed the
signature on the form was her signature. ARTHUR was not familiar
with LANDAMERICA HOLDINGS & INVESTMENTS LLC and was not aware the
company was registered to FAGAN. ARTHUR did not provide the
$25,000.00 earnest money nor the approximately $158,000.00 due at
closing. ARTHUR did not go to SERVICE FIRST TITLE, LLC for the
closing.
2) Contract for Sale and Purchase - ARTHUR stated that
the signature on the contract was not her signature.
3) Assignment of Contract - ARTHUR stated that the
signature on the assignment was not her signature.
4) Loan Application ) -
ARTHUR confirmed the signatures on page 1 and page 5 were her
signatures. ARTHUR stated she never worked at GATEWAY ASSOCIATES,
LLC and was not the CEO. ARTHUR was not self-employed and did not
even earn the approximately $16,000.00 listed as her monthly income
at the fire department. ARTHUR did not intend on living in the
property and never did live in the property. ARTHUR bought unit
3111 as an investment to be held until FAGAN bought the unit from
her. ARTHUR did not have a bank account at SUNTRUST BANK and did
not have a 2002 Mercedes. FAGAN made a comment about ARTHUR's
vehicle when they met, so FAGAN was aware of what type of car
ARTHUR drove. ARTHUR did not know an who was the
loan officer. The Weston property was not to be rented out since
that was ARTHUR's personal residence.
ARTHUR did not know






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