All language subtitles for American Greed s12e08 Dangerous Luxury
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In this episode of American Greed, Ramil
Robinson's story sounds like a
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Cinderella tale.
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00:00:11,020 --> 00:00:15,540
A child living on the streets is adopted
into a loving home.
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00:00:15,780 --> 00:00:17,860
You know, he was blessed. He was a
blessed athlete.
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00:00:18,360 --> 00:00:20,160
He had a blessed family.
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00:00:20,480 --> 00:00:25,020
And achieves the pinnacle of success in
college basketball, helping the
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00:00:25,020 --> 00:00:28,400
University of Michigan win its first
NCAA championship.
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00:00:29,060 --> 00:00:32,320
Went to the White House, got to the
cover of Sports Illustrated.
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They were calling him Mr. Clutch.
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00:00:34,600 --> 00:00:38,840
When he turns pro, Robinson becomes a
living cliche.
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00:00:39,420 --> 00:00:44,820
Vermeule had a spending problem from day
one. He frequented strip clubs and
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00:00:44,820 --> 00:00:47,280
would spend unbelievable amounts of
money.
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00:00:47,560 --> 00:00:49,320
A young kid with a lot of money.
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00:00:49,520 --> 00:00:52,300
What are you going to do? You're going
to have a great time.
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00:00:53,540 --> 00:00:57,580
But this rags -to -riches -to -rags
story has a twist.
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Robinson doesn't buy Mama a big house in
the suburbs.
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Oh, no.
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She took him in off the street, and he
ended up having her thrown back in the
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street. And that's not cool.
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Not cool at all.
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And I couldn't believe that he did that.
You bite the hand that feeds you?
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I gave you a chance in life, and you did
this to us?
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Cambridge, Massachusetts.
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00:01:48,130 --> 00:01:53,470
Down a cobblestone lane, there's a wood
frame home that belongs to Helen Ford.
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With her late husband, Lou, Helen raised
five children here.
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But this widow's world is about to be
turned upside down.
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And then all of a sudden, one night...
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I opened the door, and here's the
constable saying, are you Helen Ford?
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handed me this thing, and I opened it
up.
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I almost fell to the floor.
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An eviction notice?
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What?
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What's going on?
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Helen wonders if it has something to do
with the loan she gave one of her sons,
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the former NBA player Rumeel Robinson, a
loan backed up by the value of her
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home.
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So I immediately called him on the
phone.
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Oh, no, Ma, I got it. I got it. I'll
take care of it. I'll take care of it.
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00:02:49,270 --> 00:02:51,010
I said, Ramil, what's going on?
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00:02:52,330 --> 00:02:56,230
Ramil Robinson's I got it is an outright
lie.
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Before long, Helen is kicked to the
curb.
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I felt I left my family down.
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I didn't know where I was going to go,
what I was going to do.
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00:03:12,940 --> 00:03:17,060
Thirty years earlier, Helen and Lou Ford
are well -known in Cambridge.
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He's a mail carrier.
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She's a high school safety officer.
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In addition to their own five children,
Helen and Lou take in dozens of foster
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children over the years.
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I've always had a motto that children
are not a deck of cards.
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Why should they be shuffled around?
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That's my motto.
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Helen volunteers at the Cambridge
Community Center.
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which runs after -school programs.
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One day, a friend at the community
center tells her about a young boy there
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doesn't talk much but seems troubled.
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He says his name is Ramil.
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And he said, my mother don't want me.
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My mother don't want me.
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00:04:03,550 --> 00:04:07,270
My mother don't want me. He kept saying
it, and I said, wait, wait, wait, what
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do you mean?
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I don't live with my mom. My mama put me
out. She just don't want me. I said,
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well, where do you sleep?
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Ramil tells Helen he climbs through
windows to sleep inside buildings.
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So I said, oh, how long have you been
doing that?
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Oh, about three weeks. I said, oh,
that's not good. I said, well, when's
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last time you ate?
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He said, oh, about three weeks. And I
said, that's it. You're coming home with
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me.
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Well, he ate like there was no tomorrow.
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And I said, wow, I guess you haven't
eaten in a while.
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And I remember the meal distinctly. We
had pork chops, mashed potatoes, and
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string beans.
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And he just devoured it.
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The Fords learned that 10 -year -old
Ramil Robinson was born in Jamaica and
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raised there by his grandparents.
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Ramil recently immigrated to
Massachusetts to be with his mother, who
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has no use for him.
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The Fords feed, shelter, and care for
Ramil for several months, and then a big
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day. Helen has a custody hearing at the
courthouse.
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She wisely leaves Ramil at school to
protect him from what surely would have
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been a traumatic encounter with his
birth mother.
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And she walked in, and she said to the
lady at the desk, where do I sign,
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because I don't want them.
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I looked. Oh, my goodness.
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How do you do that?
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I was devastated.
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The juvenile officer turned to me and
said, well, you got a son.
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It was that quick.
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00:05:53,340 --> 00:05:57,240
Eventually, the Fords officially adopt
Rameel Robinson.
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His older brother, Donald Barrows, says
Rameel excels in every sport he tries.
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But in basketball...
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Ramil Robinson is something special.
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This here is St. Mary's Park, where we
used to play our summer league
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games and also just pick up games that
sometimes got a little heated.
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A lot of good fun.
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And that's where he would come and
showcase his skills, you know, all of
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Ramil would come there and people would
ooh and ah, and everybody would go there
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and actually watch the summer games and
watch and see what the talent is out
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there doing.
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00:06:38,300 --> 00:06:42,720
And Rameel was one of the talents that
had a lot of people over in our.
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Rameel goes to Cambridge Bridge and
Latin High School.
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It's known for its storied basketball
program, which produced NBA star Patrick
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Ewing.
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00:06:56,520 --> 00:06:59,800
Under head coach Mike Jarvis, Rameel
thrives.
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00:07:03,020 --> 00:07:05,420
Coach Jarvis tells American Greed.
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00:07:05,870 --> 00:07:11,230
that if he told his athletes to do 100
push -ups a day, Rameel would do many
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more. I probably would just go and do
100 like Mike requested, and Rameel
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00:07:17,810 --> 00:07:20,690
just do it secretly. He'd probably do
300, 400, 500.
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Rameel was just a workaholic. He was
about developing his game and doing what
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00:07:25,150 --> 00:07:29,050
had to do to get his game off the bar,
and he had that hunger for it.
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The hard work pays off.
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In 1986, Cambridge Ridge and Latin wins
the state championship.
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And I said, so what do you think you're
going to do with yourself?
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And he said, I want to go to the NBA.
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I said, really? I said, well, if you
believe, you will achieve.
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Robinson signs on at the University of
Michigan, ships off to Ann Arbor, and
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quickly becomes a star player.
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Michigan, at this point, has never won
the NCAA championship, a sore point for
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Michigan superfans like Dottie Day.
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We're good. We're always good. We just
need to get one little step better than
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00:08:16,420 --> 00:08:18,980
good. We need to get great.
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In Rameel's junior year, the 1988 -89
season, fans like Day
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dare to wonder, Could this be the year?
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00:08:32,010 --> 00:08:37,730
After going 24 -7 in the regular season,
Michigan tears through the early rounds
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of the NCAA tournament and reaches the
Final Four.
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Nobody gave them a chance.
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Nobody thought that they would be here
and look at them now.
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00:08:50,170 --> 00:08:54,530
You know the thing that says to take the
village to raise a child? Well, I was
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part of that little village that was.
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00:08:56,490 --> 00:09:02,370
helping Romeo succeed as well, you know.
And when he got to that level and we
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00:09:02,370 --> 00:09:05,230
got to see him do what he was doing, it
all made us all proud.
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Helen and Lou Ford have limited means.
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They decide that Helen will travel to
Seattle for the final four and Lou will
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00:09:16,130 --> 00:09:17,630
stay with the kids and work.
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00:09:18,050 --> 00:09:21,450
Some fans in Cambridge have another
idea.
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What happened was they picked him up.
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On his route, he called the post office,
picked him up on his route.
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00:09:30,740 --> 00:09:35,140
The guy came up to him and said, Lou,
you're getting on an airplane.
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He said, to go where? What happened?
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And he was just flabbergasted.
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And the tears were coming down my face
like, oh, my God, did these things
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happen, you know?
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So I was excited.
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Monday, April 3rd, 1989.
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Before the championship game against
Seton Hall, Robinson feels like a kid at
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00:09:59,710 --> 00:10:00,710
Christmas.
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You know, having that boyhood dream of
having your first bike.
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00:10:05,330 --> 00:10:10,230
But that dream may be in jeopardy. After
a back -and -forth game that ends in a
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00:10:10,230 --> 00:10:14,710
tie, the Wolverines trail 79 -78 in
overtime.
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With just seconds left in the game,
Robinson gets his chance to leave his
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00:10:20,570 --> 00:10:22,050
on basketball history.
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Five seconds.
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00:10:23,790 --> 00:10:27,070
Robinson goes in and fouled Paul with
three seconds.
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And he caught that foul at the end and
got put on the free throw line. It was
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like a nail biter, you know what I mean?
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I mean, it seemed like forever.
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I remember just watching him on the
line. He seemed very poised because I
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00:10:40,390 --> 00:10:43,470
worried if he was going to be nervous to
make the shots or not.
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I told him, like, come on, please let
this pay off for you. Please let this
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00:10:47,310 --> 00:10:48,310
off for you.
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And then he shot the first one, and then
that one went down, and I was like, all
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right, now the game's tied.
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Like, here you go, Rameel, this is it,
right? Here you go, one more shot.
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Rameel got ice running through his
veins.
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Calm, cool, and collected.
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And then when that next one went
through, it was just like pandemonium.
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It's time for Michigan to win a national
championship.
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I don't know how to describe it other
than that's what you play for.
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Who would believe it? You know, shocked
the world.
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The champions go to the White House and
meet President Bush.
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And now, Rumeel, I have a prop for you,
a basketball.
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In Cambridge, the street where Helen and
Lou Ford raised their family is renamed
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Rumeel Robinson Place.
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Rumeel even makes the cover of Sports
Illustrated. I read this magazine all
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time, and I always look at the cover.
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And I'd say, oh, that's good, you know,
this one made it, that one made it, you
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know. But to see your own kid, it's
like, wow, is this real?
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In the NBA draft, Ramil Robinson is the
10th overall pick.
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He goes to the Atlanta Hawks, and his
future looks secure.
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00:12:10,040 --> 00:12:12,660
It's a story with heroic overtones.
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A kid born into poverty and obscurity.
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and abandoned by his mother at a tender
age, has found a home in America and
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made his audacious dream a reality.
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Okay, you made it now. Here you go.
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Let's show what you can do.
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When American Greed returns, out of
bounds and out of control.
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Rameel's problem was reckless spending,
and he fell in love with a stripper,
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just like the song said.
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That was his problem.
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00:12:58,300 --> 00:13:03,500
Selected by the Atlanta Hawks in the
first round of the NBA draft, Rameel
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Robinson has realized his childhood
dream.
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He moved to Atlanta, signed a contract
worth $4 .3 million over four years.
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and finally gets his piece of the pie.
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I got there, and he's staying in this
tri -level penthouse overlooking
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Park. And I'm like, you know, I'm
thinking back now, I'm like, okay, you
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the saying, well, moving on up. I'm
like, okay, wow, Rue, this is cool.
197
00:13:32,600 --> 00:13:33,760
This is real cool.
198
00:13:34,860 --> 00:13:38,520
The penthouse, though, is just a
temporary crash pad.
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00:13:39,900 --> 00:13:44,120
Within a year, Robinson decamps to a
leafy Atlanta suburb.
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00:13:44,960 --> 00:13:46,720
I was in a big, big house.
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00:13:46,960 --> 00:13:49,760
And I was in the state. It was a house.
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00:13:50,420 --> 00:13:52,720
There was a pool house. I could have
lived in the pool house.
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00:13:53,300 --> 00:13:54,340
That's how big it was.
204
00:13:55,920 --> 00:14:00,200
I'm like, Rue, what are you going to do
with all this space, man? What do you
205
00:14:00,200 --> 00:14:01,200
need all this space for?
206
00:14:01,600 --> 00:14:05,500
R .D., you know, my boys, they all come
up and...
207
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I'm like, well, how often is that?
208
00:14:07,540 --> 00:14:09,860
You know, you don't need all this space
for that.
209
00:14:10,120 --> 00:14:12,920
Well, the dogs... Rue,
210
00:14:13,620 --> 00:14:16,160
what are you... These dogs don't need 11
ages.
211
00:14:16,860 --> 00:14:19,420
All this land and... Oh, it was
gorgeous.
212
00:14:19,760 --> 00:14:22,160
It was really... I'd never seen anything
like it.
213
00:14:22,540 --> 00:14:23,540
Mm -hmm.
214
00:14:25,000 --> 00:14:27,180
But his mom rarely visits.
215
00:14:27,600 --> 00:14:33,120
And something happens to Ramil in
Atlanta, though neither she nor anyone
216
00:14:33,120 --> 00:14:34,700
the family can explain it.
217
00:14:36,200 --> 00:14:40,560
But somehow, the good son becomes the
prodigal son.
218
00:14:42,260 --> 00:14:47,060
Robinson, they say, is a regular in
Atlanta's strip clubs, where he can blow
219
00:14:47,060 --> 00:14:49,320
several thousand dollars in a single
night.
220
00:14:51,000 --> 00:14:56,800
In fact, his brother says that sometimes
after a night at a strip club, Robinson
221
00:14:56,800 --> 00:14:58,480
takes several dancers home.
222
00:15:04,970 --> 00:15:09,690
The strippers must be surprised when he
shows them his room closet.
223
00:15:10,470 --> 00:15:15,570
Have them, you know, throw on their
birthday suits and clean his house and
224
00:15:15,570 --> 00:15:19,490
pay them all another thousand dollars
cash or whatever it was he was giving
225
00:15:19,490 --> 00:15:21,990
them. He just recklessly spent their
money.
226
00:15:26,470 --> 00:15:33,130
Years later, in an ESPN program,
Robinson looks back on those young and
227
00:15:33,130 --> 00:15:35,150
days. We're coming out of college.
228
00:15:35,430 --> 00:15:37,310
You know, we're going into the pros.
229
00:15:37,570 --> 00:15:39,490
You're young kid with a lot of money.
230
00:15:39,790 --> 00:15:42,510
What are you going to do? You're going
to have a great time.
231
00:15:46,230 --> 00:15:48,490
On the court, Robinson struggles.
232
00:15:49,290 --> 00:15:52,430
He's not the dominant player he was in
high school and college.
233
00:15:53,130 --> 00:15:56,250
And his brother says he clashes with
coaches.
234
00:15:57,130 --> 00:16:01,610
Remember, Mel didn't understand he was
very talented as a player, but when you
235
00:16:01,610 --> 00:16:03,810
get to that level, you're not the only
one.
236
00:16:04,310 --> 00:16:10,470
You're not the only one. You're one of
many, and you can be replaced just like
237
00:16:10,470 --> 00:16:12,110
that, and that's exactly what they did.
238
00:16:12,370 --> 00:16:16,410
Over seven seasons, Robinson pinballs
around the NBA.
239
00:16:17,050 --> 00:16:23,270
Atlanta, New Jersey, Charlotte,
Portland, Los Angeles,
240
00:16:23,650 --> 00:16:24,650
Phoenix.
241
00:16:25,800 --> 00:16:31,180
By 2002, the journeyman is long gone
from the NBA and now plays for smaller
242
00:16:31,180 --> 00:16:32,940
teams in Italy and Croatia.
243
00:16:33,740 --> 00:16:37,980
It's a tough road for him as he confides
to friend Marshall Jones.
244
00:16:38,520 --> 00:16:42,760
There was a time he called me and he was
like, yo, D, they already left me. I'm
245
00:16:42,760 --> 00:16:45,100
like, what do you mean they left you? At
the hotel, man.
246
00:16:45,400 --> 00:16:47,300
They just got on the bus and left.
247
00:16:47,960 --> 00:16:50,000
So I said, why did they leave you?
248
00:16:50,580 --> 00:16:54,980
He's like, man, I didn't want to get on
the bus because it takes too long.
249
00:16:55,690 --> 00:16:58,110
I said, Ruse, what do you mean you don't
want to get on the bus, man?
250
00:16:58,710 --> 00:17:02,230
That's how they travel over there, you
know?
251
00:17:02,630 --> 00:17:06,450
He's like, yo, nah, man, you look over
these cliffs and this and that. I'm
252
00:17:06,530 --> 00:17:10,450
Ruse, man, you have to do what the team
does.
253
00:17:10,710 --> 00:17:15,089
You know, you can't just make up your
own, you know, your own rules.
254
00:17:17,430 --> 00:17:19,890
It's obvious his heart isn't in it
anymore.
255
00:17:20,670 --> 00:17:22,410
His career is done.
256
00:17:22,869 --> 00:17:24,210
At that point in time, I think.
257
00:17:24,640 --> 00:17:30,420
That's when he said, you know what, let
me close the book of trying to play
258
00:17:30,420 --> 00:17:36,480
basketball and let me move on to some
other business ventures.
259
00:17:37,900 --> 00:17:43,260
When American Greed Returns reveals plan
to give back.
260
00:17:43,580 --> 00:17:50,140
And he said, when the project is
completed, he said, you're going to be a
261
00:17:50,140 --> 00:17:51,140
woman.
262
00:18:02,730 --> 00:18:09,050
His basketball dream over, Ramil
Robinson sells his Atlanta mansion and
263
00:18:09,050 --> 00:18:10,050
in Miami.
264
00:18:10,830 --> 00:18:13,490
Here, he hatches a new plan.
265
00:18:13,910 --> 00:18:16,790
It harks back to his roots in Jamaica.
266
00:18:18,170 --> 00:18:24,250
Robinson envisions building a world
-class mega resort on Jamaica's North
267
00:18:24,490 --> 00:18:26,930
It is called Harmony Cove.
268
00:18:27,290 --> 00:18:30,330
This was going to be a 2 ,000 -plus
acre.
269
00:18:31,040 --> 00:18:35,520
oceanfront resort development in
Jamaica, unlike anything that the
270
00:18:35,620 --> 00:18:37,880
It was to be the flagship resort there.
271
00:18:38,180 --> 00:18:44,940
You're talking about building a billion
-dollar resort, golf courses, dredging a
272
00:18:44,940 --> 00:18:47,440
harbor so that cruise ships can come in.
273
00:18:47,940 --> 00:18:51,140
Robinson forms a company, Megalodon
Development.
274
00:18:51,680 --> 00:18:56,620
But the development team he assembles
isn't exactly all -star talent.
275
00:18:57,000 --> 00:18:59,600
All he'd ever done was be a basketball
player.
276
00:19:00,300 --> 00:19:03,660
His partner, well, wants for a living.
277
00:19:03,880 --> 00:19:09,000
There just wasn't anyone there that had
any kind of experience doing anything
278
00:19:09,000 --> 00:19:10,000
close to this.
279
00:19:10,760 --> 00:19:16,520
An experience be damned, Ramil Robinson
begins to energetically solicit
280
00:19:16,520 --> 00:19:17,940
investors in Miami.
281
00:19:18,260 --> 00:19:21,340
And he also taps his family network.
282
00:19:21,940 --> 00:19:23,180
He asked me.
283
00:19:23,580 --> 00:19:27,940
how much something about the equity in
my mom's house, how much equity is in
284
00:19:27,940 --> 00:19:31,660
house. And I was like, how would I know?
I don't know that. You need to talk to
285
00:19:31,660 --> 00:19:32,459
her about that.
286
00:19:32,460 --> 00:19:35,960
And he said, Mom, I need your help. I
said, what's going on?
287
00:19:37,480 --> 00:19:40,800
Robinson flies to Boston and unveils his
plans.
288
00:19:41,340 --> 00:19:45,740
And he had all the plans and everything,
and he laid it all out on the table and
289
00:19:45,740 --> 00:19:51,120
looking at this stuff and looking at all
these different aspects and, you know,
290
00:19:51,120 --> 00:19:52,120
looked pretty good.
291
00:19:52,160 --> 00:19:53,440
I said, well, I don't have any money.
292
00:19:53,900 --> 00:19:56,920
And so he said, well, what about the
house? Can you put the house?
293
00:19:57,420 --> 00:20:01,900
I can hear my late husband always said,
always help our children.
294
00:20:02,680 --> 00:20:05,480
I could hear him saying, help our son.
295
00:20:06,600 --> 00:20:07,620
So I said, yeah.
296
00:20:09,820 --> 00:20:12,600
At the time, Helen's house is paid off.
297
00:20:13,620 --> 00:20:16,720
She agrees to take out a mortgage for
$600 ,000.
298
00:20:17,590 --> 00:20:21,350
and loan the proceeds to Ramil as seed
money for his development.
299
00:20:22,190 --> 00:20:25,350
He promises to cover all the monthly
payments.
300
00:20:26,510 --> 00:20:32,950
And he said, when the project is
completed, he said,
301
00:20:33,070 --> 00:20:36,790
you're going to be a rich woman. He
says, I'm going to give you half a
302
00:20:36,790 --> 00:20:42,190
dollars. You can do whatever you want
with it. Thanks, Mom, and whatever.
303
00:20:42,550 --> 00:20:43,830
I said, oh, okay.
304
00:20:44,530 --> 00:20:45,790
So I believed it.
305
00:20:46,860 --> 00:20:47,860
I believed it.
306
00:20:50,480 --> 00:20:56,400
When you first hear the story, it's so
improbable that you think that that's
307
00:20:56,400 --> 00:20:59,160
just made up, that that's a con.
308
00:20:59,580 --> 00:21:05,120
But as it turned out, it wasn't. There
was a real live project called Harmony
309
00:21:05,120 --> 00:21:11,020
Cove and that the Jamaican government
really wanted to build this billion
310
00:21:11,020 --> 00:21:15,800
-dollar resort and that somebody
actually had contacted him.
311
00:21:16,400 --> 00:21:20,560
He was on the cover of Sports
Illustrated, had an NBA career, he had
312
00:21:21,080 --> 00:21:24,060
And so apparently somebody thought it
was a good idea to involve him.
313
00:21:25,380 --> 00:21:27,480
But it's not such a good idea.
314
00:21:28,280 --> 00:21:32,180
And there are several important points
Ramil forgot to tell his mother,
315
00:21:32,300 --> 00:21:35,640
according to FBI Special Agent Kevin
Kohler.
316
00:21:36,640 --> 00:21:42,700
First of all, he has no money. He has no
income. He has no meaningful assets
317
00:21:42,700 --> 00:21:43,920
that he can pledge as collateral.
318
00:21:44,810 --> 00:21:46,470
He has a terrible credit history.
319
00:21:50,170 --> 00:21:55,710
And without Helen knowing, Robinson
steals her house right out from under
320
00:21:56,010 --> 00:22:01,230
What she doesn't realize is that he has
arranged to have the title of the
321
00:22:01,230 --> 00:22:03,590
property transferred over to one of his
business associates.
322
00:22:04,370 --> 00:22:08,850
The associate takes out a $500 ,000
mortgage on the property.
323
00:22:10,350 --> 00:22:13,370
Nearly all of that money goes to Ramil.
324
00:22:14,410 --> 00:22:20,090
A couple months later, the property is
refinanced for $625 ,000 and transferred
325
00:22:20,090 --> 00:22:21,390
to another business partner.
326
00:22:21,910 --> 00:22:27,570
The loan applications for these
transactions are replete with lies about
327
00:22:27,570 --> 00:22:30,470
will live in the home and how much it's
worth.
328
00:22:30,910 --> 00:22:36,550
He defrauded these banks. They loaned
money on a house that wasn't worth near
329
00:22:36,550 --> 00:22:38,630
what the bank believed it was.
330
00:22:39,430 --> 00:22:43,290
A few months later, the house is flipped
for a third time.
331
00:22:43,870 --> 00:22:45,950
This time for $1 million.
332
00:22:47,990 --> 00:22:52,790
So in a matter of about a year, this
house that has no debt on it and is
333
00:22:52,790 --> 00:22:56,750
about $400 ,000 now has a million
dollars of debt.
334
00:22:57,410 --> 00:23:00,390
And nearly all of that money had gone to
Rumil.
335
00:23:00,650 --> 00:23:06,030
Very little was spent on Megalodon or to
further this Harmony Cove venture that
336
00:23:06,030 --> 00:23:10,270
Megalodon was involved in, even though
that is what he had promised his mom.
337
00:23:11,780 --> 00:23:17,500
What's more, the proceeds of Helen's
home aren't nearly enough to satisfy
338
00:23:19,300 --> 00:23:24,820
Next on American Greed, see how Robinson
swings open the vault of a small bank
339
00:23:24,820 --> 00:23:26,040
in the middle of Iowa.
340
00:23:26,400 --> 00:23:31,360
And later, hear what little regard
Robinson has for his mother's home.
341
00:23:32,440 --> 00:23:36,480
Listen, you don't live by a house a lot.
A house don't make a man or a woman.
342
00:23:49,160 --> 00:23:54,620
Ramil Robinson is not the first former
NBA player to blow his money on
343
00:23:54,620 --> 00:23:57,220
strippers, cigars, and fast cars.
344
00:23:58,800 --> 00:24:04,040
But what sets him apart from some other
broke athletes is his willingness to
345
00:24:04,040 --> 00:24:07,080
turn to crime to grab the almighty
dollar.
346
00:24:08,340 --> 00:24:13,780
Through A Friend of a Friend, Robinson
meets a loan officer at a small bank in
347
00:24:13,780 --> 00:24:15,140
suburb of Des Moines, Iowa.
348
00:24:17,610 --> 00:24:23,230
This lone officer, who has agreed to
talk to American Greed anonymously, is a
349
00:24:23,230 --> 00:24:25,150
former college basketball player.
350
00:24:26,270 --> 00:24:31,670
And basketball talk is how the two men
hit it off when Robertson calls the lone
351
00:24:31,670 --> 00:24:33,090
officer from Miami.
352
00:24:33,750 --> 00:24:36,290
I think I was a lot starstruck at first.
353
00:24:37,310 --> 00:24:43,230
When somebody has made it to the level
that he made it, and I had aspirations
354
00:24:43,230 --> 00:24:46,690
get there myself at one point in time, I
gave it.
355
00:24:47,080 --> 00:24:49,360
more credibility than I could have.
356
00:24:49,920 --> 00:24:55,060
Robinson tells the loan officer he's on
the cusp of getting a big infusion of
357
00:24:55,060 --> 00:24:59,320
development funds to build his green
mega resort in Jamaica.
358
00:24:59,640 --> 00:25:04,480
Until that ship comes in, he just needs
a small bridge loan to produce
359
00:25:04,480 --> 00:25:07,340
promotional materials and business
plans.
360
00:25:08,020 --> 00:25:13,840
But to hear him talk, it was, you know,
the path had already been established
361
00:25:13,840 --> 00:25:14,900
and the road was paved.
362
00:25:15,470 --> 00:25:19,010
That was the first thing that I remember
really jumping out. It was like, wow,
363
00:25:19,050 --> 00:25:21,490
this thing's, you know, it's ready to
go.
364
00:25:23,490 --> 00:25:27,270
Robinson applies for a $377 ,000 loan.
365
00:25:28,810 --> 00:25:34,510
But the FBI says Ramil grows frustrated
at how long the loan process is taking.
366
00:25:35,630 --> 00:25:42,490
To speed things up, he proposes paying
$100 ,000 of the loan back to the
367
00:25:42,490 --> 00:25:43,490
loan officer.
368
00:25:44,090 --> 00:25:48,510
He knew the loan officer was strapped
himself for money. He was living beyond
369
00:25:48,510 --> 00:25:49,329
his means.
370
00:25:49,330 --> 00:25:52,450
He had a fair amount of consumer debt.
371
00:25:53,430 --> 00:25:58,150
And so when Ramil proposed paying him a
portion of these loan proceeds, it
372
00:25:58,150 --> 00:25:59,150
seemed attractive.
373
00:25:59,590 --> 00:26:03,670
That's where the greed part, I guess,
comes in in the story.
374
00:26:04,070 --> 00:26:05,590
Everybody has greed.
375
00:26:06,870 --> 00:26:09,790
Robinson nets $277 ,000.
376
00:26:10,290 --> 00:26:12,770
It should last a while, right?
377
00:26:16,520 --> 00:26:22,260
Within two months, he's spent it all. He
makes a $25 ,000 payment on a condo for
378
00:26:22,260 --> 00:26:23,340
himself and his girlfriend.
379
00:26:23,600 --> 00:26:29,180
He spends $35 ,000 furnishing the condo
with high -end electronics, with
380
00:26:29,180 --> 00:26:30,480
designer furniture.
381
00:26:31,160 --> 00:26:33,900
He purchases a couple Mercedes -Benzes.
382
00:26:34,580 --> 00:26:40,880
He spends large amounts of money at
cigar shops, designer clothing shops, at
383
00:26:40,880 --> 00:26:41,739
strip clubs.
384
00:26:41,740 --> 00:26:44,740
He spends all of that in about two
months.
385
00:26:45,800 --> 00:26:48,880
Robinson never makes a single repayment
to the bank.
386
00:26:49,300 --> 00:26:54,760
Yet he brazenly calls the officer again
and again asking for more.
387
00:26:55,460 --> 00:27:00,800
But that initial kickback that's paid
opens up the vault to the bank.
388
00:27:01,060 --> 00:27:05,460
And the bank continues to loan money
because of this loan officer who's taken
389
00:27:05,460 --> 00:27:06,460
the kickback.
390
00:27:06,740 --> 00:27:13,480
In short order, there's a loan for $80
,000, then $150 ,000.
391
00:27:14,620 --> 00:27:18,620
111 ,000 and 495 ,000.
392
00:27:18,920 --> 00:27:24,280
Special Agent Kohler says that a measly
5 % of the proceeds go where they're
393
00:27:24,280 --> 00:27:27,940
supposed to, to business development for
Harmony Cove.
394
00:27:28,520 --> 00:27:33,320
With the rest, Robinson puts on a clinic
of self -indulgence.
395
00:27:33,840 --> 00:27:38,460
And as you scan through what he's
spending it on, here's just a single
396
00:27:39,120 --> 00:27:40,900
$111 ,000.
397
00:27:41,770 --> 00:27:48,230
in withdrawals and spending at
restaurants and jewelry stores and such.
398
00:27:48,230 --> 00:27:51,170
heavy strip club traffic in this month.
399
00:27:55,530 --> 00:28:00,830
Robinson is spending so much, he can't
possibly make good on his promise to his
400
00:28:00,830 --> 00:28:01,830
mom.
401
00:28:02,050 --> 00:28:05,630
Which brings us to that fateful day in
Cambridge.
402
00:28:07,340 --> 00:28:12,300
I opened the door and here's the
constable saying, are you Helen Ford?
403
00:28:13,180 --> 00:28:16,480
Ramil's mortgage on his mom's house is
months overdue.
404
00:28:17,220 --> 00:28:22,520
And Helen is evicted from the home she
has lived in for more than 30 years.
405
00:28:23,520 --> 00:28:26,600
Never thought anything like that was
ever going to happen.
406
00:28:27,520 --> 00:28:28,520
Never.
407
00:28:29,000 --> 00:28:33,600
And I couldn't believe that he did that.
The person, the hand, you bite the hand
408
00:28:33,600 --> 00:28:34,600
that feeds you.
409
00:28:35,230 --> 00:28:39,370
I gave you a chance in life, and you did
this to us?
410
00:28:41,470 --> 00:28:47,210
Helen is distraught and crying when she
enters the office of Dennis Benson, a
411
00:28:47,210 --> 00:28:51,670
lawyer who grew up in the neighborhood
and spent many hours of his boyhood at
412
00:28:51,670 --> 00:28:52,670
her home.
413
00:28:52,750 --> 00:28:59,650
And I said to her that I generally don't
take on those kinds of cases, but I
414
00:28:59,650 --> 00:29:05,640
wanted to help her. And it was one of
those moments where a client, touches
415
00:29:05,640 --> 00:29:06,640
at your core.
416
00:29:07,340 --> 00:29:12,940
Dennis files suit against American Home
Mortgage, saying they were negligent in
417
00:29:12,940 --> 00:29:14,120
not seeing the fraud.
418
00:29:15,260 --> 00:29:20,920
Helen dispatches her son Donald to Miami
to find out what Ramil is doing and if
419
00:29:20,920 --> 00:29:23,680
there's any way she can get her money
and her home back.
420
00:29:24,840 --> 00:29:26,340
When American Greed returns.
421
00:29:27,360 --> 00:29:32,600
It's a sad thing to me to go from being
one who's being looked up to to be the
422
00:29:32,600 --> 00:29:33,900
one who's being looked for.
423
00:29:37,040 --> 00:29:39,240
Want inside information from the show?
424
00:29:39,460 --> 00:29:41,680
Join the Greed Social Network.
425
00:29:42,220 --> 00:29:46,100
Like us on American Greed's Facebook
page. We'll be right back.
426
00:29:59,920 --> 00:30:04,200
Donald Barrows arrives in Miami looking
for answers.
427
00:30:05,770 --> 00:30:08,370
and looking for his brother, Rameel
Robinson.
428
00:30:10,930 --> 00:30:16,490
His first stop is Rameel's luxury condo
in a private gated community called
429
00:30:16,490 --> 00:30:17,790
Williams Island.
430
00:30:18,950 --> 00:30:20,750
Knocking on the door, there's no answer.
431
00:30:20,990 --> 00:30:25,010
And there was a big space underneath the
door, so I got down on the ground and I
432
00:30:25,010 --> 00:30:27,150
looked under there and I could tell that
the place was empty.
433
00:30:27,470 --> 00:30:31,590
And I actually, like, yelled Rameel
under the door and you just hear the
434
00:30:31,590 --> 00:30:33,190
just going throughout the whole place.
435
00:30:33,550 --> 00:30:34,550
Where'd he go?
436
00:30:37,000 --> 00:30:41,780
Donald plays gumshoe detective hitting
high -end bars and restaurants in South
437
00:30:41,780 --> 00:30:44,400
Beach, where Rameel might hang out.
438
00:30:44,920 --> 00:30:50,140
Eventually, Donald gets a cell phone
number and calls Rameel, who agrees to
439
00:30:50,140 --> 00:30:50,759
him up.
440
00:30:50,760 --> 00:30:56,960
So he comes and he picks me up in this
really nice car, like over $100 ,000
441
00:30:56,960 --> 00:30:57,960
Mercedes -Benz.
442
00:30:58,880 --> 00:31:04,380
And we're riding. We weren't even in the
car for 20 minutes. And he turns to me
443
00:31:04,380 --> 00:31:05,940
and he's like, do you have $20 for gas?
444
00:31:08,300 --> 00:31:12,220
The next night at dinner, it's the same
song and dance.
445
00:31:12,720 --> 00:31:17,900
And then he turned and he looked at me
and he had the same look in his eye as
446
00:31:17,900 --> 00:31:20,600
the night before when he asked me for
the $20 for gas.
447
00:31:20,820 --> 00:31:24,020
And I knew it was going on right away.
And I was like, you know what, Ramil?
448
00:31:25,440 --> 00:31:26,440
Yeah, unbelievable.
449
00:31:26,920 --> 00:31:31,360
Come to find out, Ramil didn't have the
money to pay the restaurant bill.
450
00:31:32,800 --> 00:31:36,440
Turns out Robinson has been evicted from
Williams Island.
451
00:31:37,420 --> 00:31:42,440
And he's now living on this dingy block
of cheap hotels in North Miami Beach.
452
00:31:45,320 --> 00:31:50,400
He rents a single room, sponging off his
girlfriend, who makes her money doing,
453
00:31:50,660 --> 00:31:53,260
what else, dancing in strip clubs.
454
00:31:54,320 --> 00:31:56,500
From Williams Island? Yeah, a big come
down.
455
00:31:57,060 --> 00:32:01,720
A big come down. And if he's living like
this, then how's he going to be able to
456
00:32:01,720 --> 00:32:03,140
do what he said he's going to do?
457
00:32:04,000 --> 00:32:09,460
Donald pushes Ramil to scrape together
enough cash to pay creditors so their
458
00:32:09,460 --> 00:32:10,700
can get her house back.
459
00:32:11,220 --> 00:32:17,220
But there's no squeezing blood from this
turnip. By that time, Ramil was so poor
460
00:32:17,220 --> 00:32:18,280
he couldn't even pay attention.
461
00:32:22,360 --> 00:32:27,480
Back in Cambridge, Helen Ford, now
alone, has moved into a small apartment.
462
00:32:29,290 --> 00:32:33,470
Her former home is vacant, except for
the occasional squatter.
463
00:32:34,830 --> 00:32:40,610
One day, to publicize her plight, she
and her attorney, Dennis Benson, take an
464
00:32:40,610 --> 00:32:42,910
ESPN reporter through the home.
465
00:32:44,110 --> 00:32:48,690
When I walked up the driveway, I could
hear my husband's voice
466
00:32:48,690 --> 00:32:52,610
telling me it would be okay.
467
00:32:55,110 --> 00:32:56,210
He said, Helen?
468
00:32:56,920 --> 00:32:59,200
You're a strong woman. Keep your head
up.
469
00:33:00,560 --> 00:33:02,120
God's going to take care of you.
470
00:33:04,000 --> 00:33:05,360
I said, thank you.
471
00:33:06,080 --> 00:33:12,860
And then when I got to the stairs and I
opened the door and I looked in and I
472
00:33:12,860 --> 00:33:18,400
said, wow, this was once mine, no longer
mine.
473
00:33:21,440 --> 00:33:26,420
I remember walking into Romero's room
and seeing the memorabilia.
474
00:33:26,780 --> 00:33:30,020
And the trophies and the dust.
475
00:33:31,280 --> 00:33:37,300
I felt the pain that Helen felt and the
disappointment.
476
00:33:37,580 --> 00:33:39,560
A terrible experience.
477
00:33:39,980 --> 00:33:43,640
And I hope nobody else has to go through
that ever again.
478
00:33:45,380 --> 00:33:51,780
Because when you give your all to
someone who you didn't even know, you
479
00:33:51,780 --> 00:33:55,260
welcomed them into your bosom and your
family.
480
00:33:57,420 --> 00:34:04,340
And I never mentioned him or introduced
him to people as my foster son. This
481
00:34:04,340 --> 00:34:05,340
is my son.
482
00:34:06,440 --> 00:34:08,560
And I think that's the part that hurts.
483
00:34:19,300 --> 00:34:23,800
In Des Moines, Iowa, the loan officer is
freaking out.
484
00:34:25,550 --> 00:34:28,949
Adam, I'm on him every day. You've got
to get these loans paid back.
485
00:34:29,290 --> 00:34:34,810
Once a true believer in Harmony Cove,
the banker finally wakes from his pipe
486
00:34:34,810 --> 00:34:41,510
dream. My mistake in this, my biggest
mistake in this whole thing, was at that
487
00:34:41,510 --> 00:34:45,790
point in time, I had the opportunity to
switch on the light and tell everybody,
488
00:34:45,850 --> 00:34:51,489
hey, there's probably something wrong
with this that, you know, I wasn't aware
489
00:34:51,489 --> 00:34:52,489
of.
490
00:34:52,650 --> 00:34:58,250
We need to, you know, really, really
hammer into this. Instead, I tried to
491
00:34:58,250 --> 00:34:59,249
it.
492
00:34:59,250 --> 00:35:02,510
Fix it by trying to hide the bad loans.
493
00:35:03,250 --> 00:35:05,990
His sleight of hand fools no one.
494
00:35:06,310 --> 00:35:10,970
And ultimately that's how it gets
discovered by the bank is one of the
495
00:35:10,970 --> 00:35:16,890
officer's subordinates becomes concerned
as she sees this practice of him
496
00:35:16,890 --> 00:35:21,210
rolling interest and penalties into the
principal and then rolling it into a new
497
00:35:21,210 --> 00:35:22,210
loan.
498
00:35:22,220 --> 00:35:25,540
She blows the whistle, and the officer
is fired.
499
00:35:26,240 --> 00:35:28,000
But that's just the beginning.
500
00:35:28,680 --> 00:35:31,160
The kickback is a federal crime.
501
00:35:31,680 --> 00:35:37,280
In September 2009, both Ramil Robinson
and the loan officer are arrested for
502
00:35:37,280 --> 00:35:42,080
conspiracy to commit bank fraud and bank
bribery, among other charges.
503
00:35:45,080 --> 00:35:46,840
When American Greed returns.
504
00:35:48,170 --> 00:35:52,590
See how much Robinson really cares about
the neighborhood that saved him.
505
00:35:53,070 --> 00:35:54,390
They got my name on it.
506
00:35:54,830 --> 00:35:55,830
Whoopee.
507
00:35:56,310 --> 00:35:58,530
That's how much I care about my name
being on a street.
508
00:36:14,700 --> 00:36:19,880
In Des Moines, Iowa, Rameel Robinson
stands trial for bilking Community State
509
00:36:19,880 --> 00:36:26,660
Bank out of $1 .2 million so he could
live life like the high flyer he once
510
00:36:28,900 --> 00:36:31,660
Keith Rigg is Robinson's defense
attorney.
511
00:36:33,100 --> 00:36:37,600
Basically, the defense had to be
convincing the jury there was a level of
512
00:36:37,600 --> 00:36:42,000
incompetence there which took this out
of being criminal.
513
00:36:42,680 --> 00:36:45,200
And into basically just being stupid.
514
00:36:45,940 --> 00:36:49,600
But the feds say incompetence is no
excuse.
515
00:36:50,120 --> 00:36:55,180
So Ramil was not prosecuted and
convicted because he was a bad
516
00:36:55,440 --> 00:37:00,140
There are many bad businessmen who don't
violate the law. But what made this a
517
00:37:00,140 --> 00:37:06,940
crime was he repeatedly made false
statements to the bank. And then above
518
00:37:06,940 --> 00:37:10,800
beyond that was the very significant act
of.
519
00:37:11,130 --> 00:37:13,570
bribing or paying a kickback to a loan
officer.
520
00:37:14,210 --> 00:37:20,230
In an unusual twist, the defendant's own
mother testifies against him.
521
00:37:20,470 --> 00:37:26,830
The sense of betrayal that Helen Ford
felt was profound because here was this
522
00:37:26,830 --> 00:37:32,130
young man that she cared for, she loved,
she supported.
523
00:37:32,870 --> 00:37:39,830
To find herself in a court of law
testifying against him was something
524
00:37:39,830 --> 00:37:40,830
her apart.
525
00:37:40,940 --> 00:37:43,340
That was, I think, when it all hit me.
526
00:37:43,600 --> 00:37:47,100
How could he do this to me and my
family?
527
00:37:47,700 --> 00:37:53,760
And so through sobs on the witness
stand, she explained her current
528
00:37:53,760 --> 00:37:54,760
and circumstances.
529
00:37:55,000 --> 00:38:01,040
And Ramil sat and watched all this. The
jurors were quite moved, it appeared, by
530
00:38:01,040 --> 00:38:02,040
her testimony.
531
00:38:02,620 --> 00:38:06,200
It takes the jury three hours to render
its verdict.
532
00:38:06,760 --> 00:38:08,520
Guilty on all counts.
533
00:38:10,880 --> 00:38:14,440
Pending his sentencing hearing, Robinson
is out on bond.
534
00:38:15,880 --> 00:38:22,600
During that time, he speaks with the
ESPN program E60, and he napalms any
535
00:38:22,600 --> 00:38:24,220
bridge he had with his family.
536
00:38:25,080 --> 00:38:29,160
Listen, you don't live by a house a lot.
A house don't make a man or a woman.
537
00:38:30,840 --> 00:38:35,480
But if that's the only thing you think
you have, maybe you should have went to
538
00:38:35,480 --> 00:38:38,040
college and learned to study seven
subjects.
539
00:38:38,620 --> 00:38:42,440
Or five subjects. You just took five
subjects and not just did one thing in
540
00:38:42,440 --> 00:38:43,440
life.
541
00:38:44,940 --> 00:38:50,160
What he didn't realize is at the age,
you know, of 50 years old, my mother did
542
00:38:50,160 --> 00:38:54,360
go back to school and got a master's
degree in education.
543
00:38:55,460 --> 00:39:00,080
You know, devastating to me to hear him
talk like that about her.
544
00:39:01,880 --> 00:39:04,900
After all the sacrifices I know that she
made for him.
545
00:39:08,840 --> 00:39:10,460
I don't care about anybody but himself.
546
00:39:14,160 --> 00:39:18,880
Three months later, at his sentencing
hearing, the prosecution plays the
547
00:39:18,880 --> 00:39:20,220
in open court.
548
00:39:20,580 --> 00:39:23,860
Helen's always known that I never liked
that house anyways, Jeff.
549
00:39:24,460 --> 00:39:26,260
Okay? They got my name on it.
550
00:39:26,520 --> 00:39:27,520
Whoopee!
551
00:39:28,140 --> 00:39:30,540
That's how much I care about my name
being on the street.
552
00:39:31,320 --> 00:39:36,760
But it's hurtful to hear him say that he
didn't like that, I never liked that
553
00:39:36,760 --> 00:39:37,820
house. Really?
554
00:39:38,600 --> 00:39:42,220
Well, you never showed it. You never
showed it.
555
00:39:42,580 --> 00:39:43,700
This changed.
556
00:39:44,160 --> 00:39:46,780
I just, it's mind -boggling.
557
00:39:47,340 --> 00:39:52,800
Before he sentences the defendant, the
judge gives Robinson a chance to address
558
00:39:52,800 --> 00:39:53,800
the court.
559
00:39:53,820 --> 00:39:59,020
My standard advice to people is, you are
going to say something. Once you get
560
00:39:59,020 --> 00:40:01,200
much past, I'm really sorry.
561
00:40:01,700 --> 00:40:03,580
Sometimes things can go a little
sideways.
562
00:40:04,180 --> 00:40:07,080
In an emotional, incoherent rant.
563
00:40:07,630 --> 00:40:12,530
Robinson says he was convicted because
his attorney is incompetent, and it
564
00:40:12,530 --> 00:40:13,530
doesn't end there.
565
00:40:14,550 --> 00:40:20,210
Robinson also accuses the judge, the
Honorable Ronald Longstaff, of being
566
00:40:20,210 --> 00:40:23,610
corrupt. He made a bad situation much
worse.
567
00:40:23,890 --> 00:40:29,110
When Robinson is finished, all eyes turn
to the judge to see his reaction.
568
00:40:29,410 --> 00:40:35,190
And it was really interesting because he
kind of got a hint of a smile on his
569
00:40:35,190 --> 00:40:40,060
face. It certainly clarified things for
him. And he didn't get angry at all.
570
00:40:40,720 --> 00:40:45,360
Once he was done, said you'd made what
was a hard decision simple.
571
00:40:46,260 --> 00:40:52,060
The judge says, by your statement today,
you demonstrate to me absolutely no
572
00:40:52,060 --> 00:40:53,060
remorse.
573
00:40:53,780 --> 00:40:59,600
Told him that money is like a drug to
you, Ramil. And just like that, Ramil
574
00:40:59,600 --> 00:41:04,700
Robinson, the Caribbean cast -off who
realized his dream in the NBA,
575
00:41:05,580 --> 00:41:10,200
is given the stiffest sentence
available, six and a half years in
576
00:41:10,820 --> 00:41:11,900
You know, he was blessed.
577
00:41:12,160 --> 00:41:13,600
You know, he was a blessed athlete.
578
00:41:13,940 --> 00:41:15,380
He had a blessed family.
579
00:41:15,800 --> 00:41:17,260
He had great friends.
580
00:41:17,580 --> 00:41:22,900
It's never too late to really reflect
and to take responsibility and try to
581
00:41:22,900 --> 00:41:23,819
rebuild your life.
582
00:41:23,820 --> 00:41:28,000
And I think that's the part of his life
that probably has to wrestle a little
583
00:41:28,000 --> 00:41:29,000
bit more with.
584
00:41:30,280 --> 00:41:34,640
The lone officer pleads guilty and is
sentenced to two years in prison.
585
00:41:36,810 --> 00:41:40,630
In 2013, Helen Ford gets her house back.
586
00:41:41,290 --> 00:41:46,090
Dennis Benson negotiates a settlement
with American Home Mortgage, the company
587
00:41:46,090 --> 00:41:47,610
that greenlit the fraud.
588
00:41:48,290 --> 00:41:53,730
As long as she stays current, paying for
the home that was already paid off,
589
00:41:53,950 --> 00:41:56,730
Helen can stay there for the rest of her
life.
590
00:41:57,330 --> 00:41:58,330
But I made it.
591
00:41:59,630 --> 00:42:00,790
I made it.
592
00:42:03,130 --> 00:42:05,550
I made it, and God is good.
593
00:42:06,010 --> 00:42:07,010
All the time.
594
00:42:09,050 --> 00:42:10,870
Because I'm still alive.
595
00:42:11,530 --> 00:42:13,150
And I'm back home.
596
00:42:14,610 --> 00:42:15,970
I'm back home.
597
00:42:21,850 --> 00:42:27,190
A sign on the street now reads, Helen
and Lewis Ford Square.
51110
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