"We won't hesitate to bang heads if we have to"
                                     ---Dan Hawke, Attorney for John Ervin
                                                   from 1995-1999


The notion that the US taxpayers have been helping to finance Bin Laden and
the Taliban does not come as a big supprise to Carolyn, Ozzie or me.

We know from personal experience.

HUD Secretary Cuomo issued what appear to be sole source negotiated
contracts to Ervin in 1998 when Ervin's attorney was Dan Hawke, son of John
D. ("Jerry) Hawke, then Undersecretary of Domestic Finance for Robert Rubin
(Secretary) and Lawrence Summers (Deputy Secretary). Hawke was the person at
Treasury in charge of federal credit policies. HUD's mortgage insurance
programs are traditionally about 30-35% of federal credit), and now
Comptroller of the Currency at Treasury, and throughout on the board of
Neighborhood Reinvestment Corporation.

As of October 2000, HUD had paid Ervin $808,000 for business consulting
services under one of these contracting vehicles. That is approximately
$33,000 a month. That number also is not an unreasonable estimate of the
possible cost of the targeting of me by Ervin.

According to news reports, HUD also gave him $2MM in late 2000 in a
settlement on his litigation at HUD.

According to recently unsealed court transcripts DOJ credits itself with
helping to design in a 1996 time frame the litigation that DOJ used to give
Ervin $2MM on in 2000, and keeping it protected from other court cases in
which DOJ took opposite positions.

One of the government officials sued in that case estimated that Ervin's
legal expenses were approximately $1-3MM on that and related cases. A
reporter who visited Ervin in last 1997, told me that he had 17 people who
appeared to be working full time on targeting us in addition to the
attornies, that the mailings that they had recieved over the last two years
were quite voluminous and who was paying for all of this? Good question, I
said.

Through this period, HUD lost several billion a year as a result of
intentionally shuting down loan sales and returning to a method of resolving
defaulted loans that allowed far more flexibility in below market inside
deals that could be done quietly.

Were the contracts below (put through HUD's Ginnie Mae, the agency that
securitizes all the FHA mortgages with Wall Street)a way for Hawke to get
the taxpayers to pay his son to destroy internal financial controls at HUD?

During the periods reported for the contracts with Ervin below, in Fiscal
1998, HUD reported "missing money" of $17 billion. In fiscal 1999, HUD
reported "missing money" of $70 billion on the asset side and $59 billion on
the liability side.

One of the reasons that the "missing money" at HUD is so confusing, is
because Treasury's records indicate that the cash balances are off by much
less.

Here is what a top government accountant had to say on this topic:

"I would say that Treasury moving cash in/out is very possible.  Most
agencies
are not able to reconcile its funds balances in its general ledger to those
recorded by Treasury.  There are MANY, MANY differences.  The absolute value
at HUD was $70 billion while the net value was $24 million for FY 1999.
What's weird is that each agency completes an SF224 and reports its cash
balances and transactions to Treasury.  So, technically, Treasury should
only
be reporting back to you what you reported to them.  In my  years in
CFO shops, I've never seen anyone be able to balance to Treasury.  We
accountants at the agencies are always told that Treasury's records are
correct and we are not able to get support from Treasury as to what they
have
recorded that we have no record of.  So, in the end, most agencies just
adjust (write up/down) their cash balances to agree with Treasury -
meanwhile, anyone could be taking money and you are suppose to just believe
that Treasury makes no errors.  I made the mistake of questioning Treasury
and got my hands slapped many years ago. It's very easy to play with your
cash accounts."

Who runs the cash management operations at Treasury? That division is called
FMS.
Who does FMS report to?

The UnderSecretary for Domestic Finance

Who was that in 1998?

John D. Hawke, father of Ervin's attorney, Dan Hawke.

John Hawke is the former general counsel of the Federal Reserve.

The Federal Reserve Bank of NY is the primary depository for the US
government checking accounts.

IN FY 2002, the President's budget is proposing to appropriate $1.383
trillion dollars to government agencies that according to both Senate and
Congressional oversight committees have little or no financial and
accounting system and disclosure integrity.

A senior person at HUD recently told me that the career staff at HUD assume
that Ervin is working for and paid by the government.

Think about it.

==========================================================================
HUD CONTRACTS TO ERVIN IN 1998
========================================================================


OK, let me make sure I understand the timing.

On October 8, Henry Hyde and his committee vote to move forward with
impeachment.
An hour later, the CIA posts Volume II of the Hitz Report on the Dark
Alliance allegations
In 24 hours, the Republicans indicate that the impeachment is over although
they intend to go through the process.
That day, October 9, Cuomo puts out a sole source contract to Ervin and
Associates
Four days later, Cuomo puts out a sole source contract to Ervin and Asset
Strategies

Do I have the dates right.....Can the end of the impeachment risk and the
issuance of these contracts be a coincidence or something more?

============================================================================
=========

 "From Alphabetical List of Current Ginnie Mae (Part of HUD) Contracts as of
10/25/2000" Provided by HUD

CONTRACTOR: Ervin & Associates, Inc.
962 Wayne Avenue, Suite 300
Silver Springs, MD. 20910
Attn: John Ervin
240-464-2000; fax 240-464-2020

Contract No: GNMA-98-PP-02(2)
Competition: Small Business Set-Aside
Date of Execution: 10/9/98
Base Expiration: 10/8/2001
Option Periods: 2 one-options
Purpose: Business Consulting Services
Base Award Amount: $0 (NTE $6,700,000 on completed task orders)
Option Award Amount $0
Amount Paid to Date $808,897.76
Classification: Small Business; 40% MWOB subcontracting
GTR: Nick Shelley
GTM: Linda Benjamin, Wilson Thompson, Mike Najujum, Tom Weakland, Brian
Hooper,

CONTRACTOR: Ervin & Associates/Asset Strategies Group
962 Wayne Avenue, Suite 300
Silver Springs, MD. 20910
Attn: John Ervin
240-464-2000; fax 240-464-2020

Contract No: GNMA-98-PP-01(3)
Competition: Full and Open
Date of Execution: 10/13/98, effective 10/27/98
Base Expiration: 10/26/2001
Option Periods: 2 one-options
Purpose: Advisory Services
Base Award Amount: $0 (NTE $23,700,000 on completed task orders)
Option Award Amount $0
Amount Paid to Date $0
Classification: Small Business; 50% MWOB subcontracting
GTR: Nick Shelley
GTM: Linda Benjamin, Wilson Thompson, Mike Najujum, Tom Weakland, Brian
Hooper,




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