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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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A child living on the streets is adopted
into a loving home.
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You know, he was blessed. He was a
blessed athlete.
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He had a blessed family.
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And achieves the pinnacle of success in
college basketball.
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Helping the University of Michigan win
its first NCAA championship.
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Went to the White House, got to the
cover of Sports Illustrated. They were
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calling him Mr. Clutch.
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When he turns pro, Robinson becomes a
living cliche.
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Vermeule had a spending problem from day
one. He frequented strip clubs and
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would spend unbelievable amounts of
money.
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A young kid with a lot of money. What
are you going to do? You're going to
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a great time.
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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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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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He 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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I said, 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 Rumiel 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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I said, Ramil, what's going on?
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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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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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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 ago. 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.
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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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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.
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You know, all of us. And Ramil would
come there and people would ooh and ah,
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everybody would go there and actually
watch the summer games and watch and see
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what the talent is out there doing.
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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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Under head coach Mike Jarvis, Rameel
thrives.
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Coach Jarvis tells American Greed.
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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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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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had to do to get his game off the par,
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 super fans 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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good. We need to get great.
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In Rameel's junior year, the 1988 -89
season, fans like Day dare
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to wonder, Could this be the year?
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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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You know the saying, it says it takes a
village to raise a child. Well, I was
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part of that little village that was.
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helping Ramil succeed as well, you know.
And when he got to that level and we
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got to see him do what he was doing, it
all made it for a crowd.
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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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stay with the kids and work.
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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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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 are 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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Christmas.
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You know, having that boyhood dream of
having your first bike.
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But that dream may be in jeopardy. After
a back -and -forth game that ends in a
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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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on basketball history.
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Five seconds.
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And they called that foul at the end and
got put on the free throw line. It was
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like 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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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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off for you.
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And then he shot the first one, and that
one went down, and I was like, all
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right, now the game's tied.
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Like, hey, go, Ramell, this is it,
right? Hey, you got one more shot.
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Ramell's 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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The top of Michigan has won 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 said, 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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It's a story with heroic overtone.
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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 returned, 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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Selected by the Atlanta Hawks in the
first round of the NBA draft, Ramil
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Robinson has realized his childhood
dream.
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He moves to Atlanta.
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signed a contract worth $4 .3 million
over four years, and finally gets his
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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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what I'm saying, well, moving on up. I'm
like, okay, wow, Rue, this is cool.
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This is real cool.
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The penthouse, though, is just a
temporary crash pad.
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Within a year, Robinson decamped to a
leafy Atlanta suburb.
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It was a big, big house.
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And I lived in a state. It was not a
house.
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There was a pool house. I could have
lived in the pool house.
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That's how big it was.
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I'm like, Rue, what are you going to do
with all this space, man? What do you
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need all this space for?
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Oh, gee, you know, for my boys, they all
come up, and I'm like, well, how often
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is that?
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You know, you don't need all this space
for that.
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Well, the dogs, well, these dogs don't
need 11 acres.
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All this land, oh, it was gorgeous.
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I'd never seen anything like it.
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Mm -hmm.
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But his mom rarely visits, and something
happens to Rameel in Atlanta.
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though neither she nor anyone else in
the family can explain it.
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But somehow, the good son becomes the
prodigal son.
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Robinson, they say, is a regular in
Atlanta's strip clubs, where he can blow
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several thousand dollars in a single
night.
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00:14:56,460 --> 00:15:02,299
In fact, his brother says that sometimes
after a night at a strip club, Robinson
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takes several dancers home.
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The strippers must be surprised when he
shows them his room closet.
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Have them, you know, throw on their
birthday suits and clean his house and
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00:15:21,060 --> 00:15:24,979
pay them all another thousand dollars
cash or whatever it was he was giving
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them. He just recklessly spent their
money.
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Years later, in an ESPN program,
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Robinson looks back on those young and
wild days.
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We're coming out of college.
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You know, we're going into the pros.
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You're young, you're with a lot of
money.
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00:15:45,210 --> 00:15:48,100
What are you going to do? You're going
to have a great time.
231
00:15:51,630 --> 00:15:53,930
On the court, Robinson struggles.
232
00:15:54,690 --> 00:15:57,890
He's not the dominant player he was in
high school and college.
233
00:15:58,530 --> 00:16:01,770
And his brother says he clashes with
coaches.
234
00:16:02,880 --> 00:16:07,399
Romero didn't understand he was very
talented as a player, but when you get
235
00:16:07,400 --> 00:16:09,280
that level, you're not the only one.
236
00:16:09,760 --> 00:16:15,959
You're not the only one. You're one of
many, and you can be replaced just like
237
00:16:15,960 --> 00:16:17,880
that, and that's exactly what they did.
238
00:16:17,900 --> 00:16:21,900
Over seven seasons, Robinson pinballs
around the NBA.
239
00:16:22,540 --> 00:16:28,760
Atlanta, New Jersey, Charlotte,
Portland, Los Angeles,
240
00:16:29,140 --> 00:16:30,190
Phoenix.
241
00:16:31,099 --> 00:16:36,679
By 2002, the journeyman is long gone
from the NBA and now plays for smaller
242
00:16:36,680 --> 00:16:38,440
teams in Italy and Croatia.
243
00:16:39,280 --> 00:16:43,420
It's a tough road for him as he confides
to friend Marshall Jones.
244
00:16:44,060 --> 00:16:48,439
There was a time he called me. He was
like, yo, D, they left me. I'm like,
245
00:16:48,440 --> 00:16:49,339
do you mean they left you?
246
00:16:49,340 --> 00:16:50,600
At the hotel, man.
247
00:16:50,900 --> 00:16:52,800
They just got on the bus and left.
248
00:16:53,380 --> 00:16:55,480
I said, why did they leave you?
249
00:16:56,000 --> 00:17:00,460
He's like, man, I didn't want to get on
the bus because it takes too long.
250
00:17:00,461 --> 00:17:04,219
It's a ruse. What do you mean you don't
want to get on the bunch, man?
251
00:17:04,220 --> 00:17:07,720
That's how they travel over there, you
know?
252
00:17:08,119 --> 00:17:11,920
It's like, yo, nah, man, you look over
these cliffs and this and that. I'm
253
00:17:12,020 --> 00:17:13,220
rude, man.
254
00:17:13,420 --> 00:17:15,880
You have to do what the team does.
255
00:17:16,200 --> 00:17:20,540
You know, you can't just make up your
own, you know, your own rules.
256
00:17:22,920 --> 00:17:25,359
It's obvious his heart isn't in it
anymore.
257
00:17:26,160 --> 00:17:27,900
His career is done.
258
00:17:28,380 --> 00:17:29,820
At that point in time, I think.
259
00:17:30,140 --> 00:17:35,899
That's when he said, you know what, let
me close the book of trying to play
260
00:17:35,900 --> 00:17:41,960
basketball and let me move on to some
other business ventures.
261
00:17:43,320 --> 00:17:48,740
When American Greed Returns reveals plan
to give back.
262
00:17:49,060 --> 00:17:55,619
And he said, when the project is
completed, he said, you're going to be a
263
00:17:55,620 --> 00:17:56,670
woman.
264
00:18:10,860 --> 00:18:17,199
His basketball dream over, Ramil
Robinson sells his Atlanta mansion and
265
00:18:17,200 --> 00:18:18,250
in Miami.
266
00:18:18,960 --> 00:18:21,600
Here, he hatches a new plan.
267
00:18:22,040 --> 00:18:24,920
It harks back to his roots in Jamaica.
268
00:18:26,320 --> 00:18:32,380
Robinson envisions building a world
-class mega resort on Jamaica's North
269
00:18:32,620 --> 00:18:35,060
It is called Harmony Cove.
270
00:18:35,380 --> 00:18:38,460
This was going to be a 2 ,000 -plus
acre.
271
00:18:39,100 --> 00:18:43,640
oceanfront resort development in
Jamaica. Unlike anything that the
272
00:18:43,760 --> 00:18:46,020
it was to be the flagship resort there.
273
00:18:46,300 --> 00:18:53,079
You're talking about building a billion
-dollar resort, golf courses, dredging a
274
00:18:53,080 --> 00:18:55,580
harbor so that cruise ships can come in.
275
00:18:56,080 --> 00:18:59,260
Robinson forms a company, Megalodon
Development.
276
00:18:59,820 --> 00:19:04,760
But the development team he assembles
isn't exactly all -star talent.
277
00:19:05,120 --> 00:19:07,740
All he'd ever done was be a basketball
player.
278
00:19:08,430 --> 00:19:11,810
His partner mowed lawns for a living.
279
00:19:12,030 --> 00:19:17,149
There just wasn't anyone there that had
any kind of experience doing anything
280
00:19:17,150 --> 00:19:18,200
close to them.
281
00:19:18,870 --> 00:19:24,669
An experience be damned, Ramil Robinson
begins to energetically solicit
282
00:19:24,670 --> 00:19:26,090
investors in Miami.
283
00:19:26,390 --> 00:19:29,470
And he also taps his family network.
284
00:19:30,090 --> 00:19:31,330
He asked me.
285
00:19:31,790 --> 00:19:36,089
how much something about the equity in
my mom's house, how much equity is in
286
00:19:36,090 --> 00:19:39,789
house. And I was like, how would I know?
I don't know that. You need to talk to
287
00:19:39,790 --> 00:19:40,549
her about that.
288
00:19:40,550 --> 00:19:44,090
And he said, Mom, I need your help. I
said, what's going on?
289
00:19:45,630 --> 00:19:48,930
Robinson flies to Boston and unveils his
plans.
290
00:19:49,490 --> 00:19:53,849
And he had all the plans and everything,
and he laid it all out on the table and
291
00:19:53,850 --> 00:19:59,270
looking at this stuff and looking at all
these different aspects and, you know,
292
00:19:59,271 --> 00:20:00,299
it looked pretty good.
293
00:20:00,300 --> 00:20:01,999
I said, well, I don't have any money.
294
00:20:02,000 --> 00:20:05,250
And so he said, well, what about the
house? Can you put the house?
295
00:20:05,500 --> 00:20:10,020
I can hear my late husband always said,
always help our children.
296
00:20:10,760 --> 00:20:13,680
I could hear him saying, help our son.
297
00:20:14,700 --> 00:20:15,750
So I said, yeah.
298
00:20:17,900 --> 00:20:20,740
At the time, Helen's house is paid off.
299
00:20:21,720 --> 00:20:27,639
She agrees to take out a mortgage for
$600 ,000 and loan the proceeds to Ramil
300
00:20:27,640 --> 00:20:29,500
as seed money for his development.
301
00:20:30,510 --> 00:20:33,490
He promises to cover all the monthly
payments.
302
00:20:34,670 --> 00:20:41,110
And he said, when the project is
completed, he said,
303
00:20:41,230 --> 00:20:44,909
you're going to be a rich woman. He
says, I'm going to give you half a
304
00:20:44,910 --> 00:20:50,330
dollars. You can do whatever you want
with it. Thanks, Mom, and whatever.
305
00:20:50,650 --> 00:20:51,990
I said, oh, okay.
306
00:20:52,690 --> 00:20:53,930
So I believed it.
307
00:20:54,850 --> 00:20:55,910
I believed it.
308
00:20:58,890 --> 00:21:04,549
When you first hear the story, it's so
improbable that you think that that's
309
00:21:04,550 --> 00:21:07,290
just made up, that that's a con.
310
00:21:07,710 --> 00:21:13,269
But as it turned out, it wasn't. There
was a real live project called Harmony
311
00:21:13,270 --> 00:21:19,149
Cove and that the Jamaican government
really wanted to build this billion
312
00:21:19,150 --> 00:21:23,930
-dollar resort and that somebody
actually had contacted him.
313
00:21:24,640 --> 00:21:28,680
He was on the cover of Sports
Illustrated, had an NBA career, he had
314
00:21:29,220 --> 00:21:32,650
And so apparently somebody thought it
was a good idea to involve him.
315
00:21:33,500 --> 00:21:35,620
But it's not such a good idea.
316
00:21:36,420 --> 00:21:40,320
And there are several important points
Ramil forgot to tell his mother,
317
00:21:40,420 --> 00:21:43,780
according to FBI Special Agent Kevin
Kohler.
318
00:21:44,760 --> 00:21:50,839
First of all, he has no money. He has no
income. He has no meaningful assets
319
00:21:50,840 --> 00:21:52,460
that he can pledge as collateral.
320
00:21:53,000 --> 00:21:54,620
He has a terrible credit history.
321
00:21:58,300 --> 00:22:03,840
And without Helen knowing, Robinson
steals her house right out from under
322
00:22:04,100 --> 00:22:09,359
What she doesn't realize is that he has
arranged to have the title of the
323
00:22:09,360 --> 00:22:12,490
property transferred over to one of his
business associates.
324
00:22:12,500 --> 00:22:16,980
The associate takes out a $500 ,000
mortgage on the property.
325
00:22:18,500 --> 00:22:21,500
Nearly all of that money goes to Ramil.
326
00:22:22,510 --> 00:22:28,249
A couple months later, the property is
refinanced for $625 ,000 and transferred
327
00:22:28,250 --> 00:22:29,690
to another business partner.
328
00:22:29,970 --> 00:22:35,689
The loan applications for these
transactions are replete with lies about
329
00:22:35,690 --> 00:22:38,610
will live in the home and how much it's
worth.
330
00:22:38,970 --> 00:22:44,689
He defrauded these banks. They loaned
money on a house that wasn't worth near
331
00:22:44,690 --> 00:22:46,810
what the bank believed it was.
332
00:22:47,510 --> 00:22:51,430
A few months later, the house is flipped
for a third time.
333
00:22:52,010 --> 00:22:54,070
This time for $1 million.
334
00:22:56,110 --> 00:23:00,909
So in a matter of about a year, this
house that has no debt on it and is
335
00:23:00,910 --> 00:23:04,890
about $400 ,000 now has a million
dollars of debt.
336
00:23:05,550 --> 00:23:08,530
And nearly all of that money had gone to
Rumil.
337
00:23:08,790 --> 00:23:14,149
Very little was spent on Megalodon or to
further this Harmony Cove venture that
338
00:23:14,150 --> 00:23:18,410
Megalodon was involved in, even though
that is what he had promised his mom.
339
00:23:19,920 --> 00:23:25,640
What's more, the proceeds of Helen's
home aren't nearly enough to satisfy
340
00:23:27,440 --> 00:23:32,979
Next on American Greed, see how Robinson
swings open the vault of a small bank
341
00:23:32,980 --> 00:23:34,160
in the middle of Iowa.
342
00:23:34,540 --> 00:23:39,500
And later, hear what little regard
Robinson has for his mother's home.
343
00:23:40,580 --> 00:23:44,620
Listen, you don't live by a house a lot.
A house don't make a man or a woman.
344
00:23:58,990 --> 00:24:04,469
Ramil Robinson is not the first former
NBA player to blow his money on
345
00:24:04,470 --> 00:24:07,070
strippers, cigars, and fast cars.
346
00:24:08,630 --> 00:24:13,869
But what sets him apart from some other
broke athletes is his willingness to
347
00:24:13,870 --> 00:24:16,930
turn to crime to grab the almighty
dollar.
348
00:24:18,170 --> 00:24:23,609
Through A Friend of a Friend, Robinson
meets a loan officer at a small bank in
349
00:24:23,610 --> 00:24:24,970
suburb of Des Moines, Iowa.
350
00:24:27,470 --> 00:24:33,069
This loan officer, who has agreed to
talk to American Greed anonymously, is a
351
00:24:33,070 --> 00:24:34,950
former college basketball player.
352
00:24:36,090 --> 00:24:41,509
And basketball talk is how the two men
hit it off when Robinson calls the loan
353
00:24:41,510 --> 00:24:42,930
officer from Miami.
354
00:24:43,570 --> 00:24:46,230
I think I was a lot of starstruck at
first.
355
00:24:47,110 --> 00:24:53,049
When somebody has made it to the level
that he made it, and I had aspirations
356
00:24:53,050 --> 00:24:56,530
get there myself at one point in time, I
gave it.
357
00:24:56,910 --> 00:24:59,210
more credibility than I should have.
358
00:24:59,770 --> 00:25:04,929
Robinson tells the loan officer he's on
the cusp of getting a big infusion of
359
00:25:04,930 --> 00:25:09,090
development funds to build his green
mega resort in Jamaica.
360
00:25:09,470 --> 00:25:14,329
Until that ship comes in, he just needs
a small bridge loan to produce
361
00:25:14,330 --> 00:25:17,130
promotional materials and business plan.
362
00:25:17,870 --> 00:25:23,709
But to hear him talk, it was, you know,
the path had already been established
363
00:25:23,710 --> 00:25:24,790
and the road was paved.
364
00:25:24,791 --> 00:25:28,889
That was the first thing that I remember
really jumping out. It's like, wow,
365
00:25:28,890 --> 00:25:31,330
this thing, you know, it's ready to go.
366
00:25:33,330 --> 00:25:37,110
Robinson applies for a $377 ,000 loan.
367
00:25:38,670 --> 00:25:44,350
But the FBI says Ramil grows frustrated
at how long the loan process is taking.
368
00:25:45,470 --> 00:25:52,329
To speed things up, he proposes paying
$100 ,000 of the loan back to the
369
00:25:52,330 --> 00:25:53,380
loan officer.
370
00:25:53,840 --> 00:25:58,339
He knew the loan officer was strapped
himself for money. He was living beyond
371
00:25:58,340 --> 00:25:59,179
his means.
372
00:25:59,180 --> 00:26:02,280
He had a fair amount of consumer debt.
373
00:26:03,280 --> 00:26:07,979
And so when Ramil proposed paying him a
portion of these loan proceeds, it
374
00:26:07,980 --> 00:26:09,030
seemed attractive.
375
00:26:09,380 --> 00:26:13,500
That's where the greed part, I guess,
comes in in the story.
376
00:26:13,920 --> 00:26:15,440
Everybody has greed.
377
00:26:16,700 --> 00:26:19,640
Robinson nets $277 ,000.
378
00:26:20,140 --> 00:26:22,620
It should last a while, right?
379
00:26:26,280 --> 00:26:32,119
Within two months, he's spent it all. He
makes a $25 ,000 payment on a condo for
380
00:26:32,120 --> 00:26:33,399
himself and his girlfriend.
381
00:26:33,400 --> 00:26:39,019
He spends $35 ,000 furnishing the condo
with high -end electronics, with
382
00:26:39,020 --> 00:26:40,300
designer furniture.
383
00:26:41,020 --> 00:26:43,760
He purchases a couple Mercedes -Benzes.
384
00:26:44,460 --> 00:26:50,739
He spends large amounts of money at
cigar shops, designer clothing shops, at
385
00:26:50,740 --> 00:26:51,619
strip clubs.
386
00:26:51,620 --> 00:26:54,580
He spends all of that in about two
months.
387
00:26:55,500 --> 00:26:58,720
Robinson never makes a single repayment
to the bank.
388
00:26:59,120 --> 00:27:04,600
Yet he brazenly calls the officer again
and again asking for more.
389
00:27:05,260 --> 00:27:10,620
But that initial kickback that's paid
opens up the vault to the bank.
390
00:27:10,860 --> 00:27:15,319
And the bank continues to loan money
because of this loan officer who's taken
391
00:27:15,320 --> 00:27:16,370
the kickback.
392
00:27:16,580 --> 00:27:23,340
In short order, there's a loan for $80
,000, then $150 ,000.
393
00:27:24,420 --> 00:27:28,480
$111 ,000 and $495 ,000.
394
00:27:28,700 --> 00:27:34,119
Special Agent Kohler says that a measly
5 % of the proceeds go where they're
395
00:27:34,120 --> 00:27:37,500
supposed to, to business development for
Harmony Co.
396
00:27:38,320 --> 00:27:43,160
With the rest, Robinson puts on a clinic
of self -indulgence.
397
00:27:43,660 --> 00:27:48,280
And as you scan through what he's
spending it on, here's just a single
398
00:27:49,340 --> 00:27:50,680
$111 ,000.
399
00:27:51,710 --> 00:27:57,050
in withdrawals and spending at
restaurants and jewelry stores and such.
400
00:27:57,250 --> 00:28:01,010
You see heavy strip club traffic in this
month.
401
00:28:05,430 --> 00:28:10,669
Robinson is spending so much, he can't
possibly make good on his promise to his
402
00:28:10,670 --> 00:28:11,720
mom.
403
00:28:11,970 --> 00:28:15,550
Which brings us to that fateful day in
Cambridge.
404
00:28:17,160 --> 00:28:22,140
I opened the door and here's the
constable saying, are you Helen Ford?
405
00:28:23,020 --> 00:28:26,300
Ramil's mortgage on his mom's house is
months overdue.
406
00:28:27,060 --> 00:28:32,360
And Helen is evicted from the home she
has lived in for more than 30 years.
407
00:28:33,360 --> 00:28:36,400
Never thought anything like that was
ever going to happen.
408
00:28:37,340 --> 00:28:38,390
Never.
409
00:28:38,840 --> 00:28:43,439
And I couldn't believe that he did that.
The person, the hand, you bite the hand
410
00:28:43,440 --> 00:28:44,490
that feeds you.
411
00:28:45,070 --> 00:28:49,210
I gave you a chance in life, and you did
this to us?
412
00:28:51,290 --> 00:28:57,029
Helen is distraught and crying when she
enters the office of Dennis Benson, a
413
00:28:57,030 --> 00:29:01,509
lawyer who grew up in the neighborhood
and spent many hours of his boyhood at
414
00:29:01,510 --> 00:29:02,560
her home.
415
00:29:02,590 --> 00:29:09,469
And I said to her that I generally don't
take on those kinds of cases, but I
416
00:29:09,470 --> 00:29:15,459
wanted to help her. And it was one of
those moments where a client, touches
417
00:29:15,460 --> 00:29:16,510
at your core.
418
00:29:17,180 --> 00:29:22,779
Dennis files suit against American Home
Mortgage, saying they were negligent in
419
00:29:22,780 --> 00:29:23,980
not seeing the fraud.
420
00:29:25,100 --> 00:29:30,759
Helen dispatches her son Donald to Miami
to find out what Ramil is doing and if
421
00:29:30,760 --> 00:29:33,520
there's any way she can get her money
and her home back.
422
00:29:34,700 --> 00:29:36,180
When American Greed returns.
423
00:29:37,200 --> 00:29:42,419
It's a sad thing to me to go from being
one who's being looked up to to be the
424
00:29:42,420 --> 00:29:43,740
one who's being looked for.
425
00:29:46,860 --> 00:29:49,080
Want inside information from the show?
426
00:29:49,360 --> 00:29:51,500
Join the Greed Social Network.
427
00:29:52,020 --> 00:29:54,520
Like us on American Greed's Facebook
page.
428
00:29:54,760 --> 00:29:55,940
We'll be right back.
429
00:30:12,680 --> 00:30:16,540
Donald Barrows arrives in Miami looking
for answers.
430
00:30:17,960 --> 00:30:20,680
And looking for his brother, Rameel
Robinson.
431
00:30:23,260 --> 00:30:28,819
His first stop is Rameel's luxury condo
in a private gated community called
432
00:30:28,820 --> 00:30:30,100
Williams Island.
433
00:30:31,240 --> 00:30:33,220
Knocking on the door, there's no answer.
434
00:30:33,280 --> 00:30:37,339
And there was a big space underneath the
door, so I got down on the ground and I
435
00:30:37,340 --> 00:30:39,919
looked under there and I could tell that
the place was empty.
436
00:30:39,920 --> 00:30:43,919
And I actually, like, yelled Ramil under
the door, and you just hear the echo
437
00:30:43,920 --> 00:30:45,819
just going throughout the whole place.
438
00:30:45,820 --> 00:30:46,870
Where'd he go?
439
00:30:49,280 --> 00:30:54,099
Donald plays gumshoe detective hitting
high -end bars and restaurants in South
440
00:30:54,100 --> 00:30:56,720
Beach, where Ramil might hang out.
441
00:30:57,240 --> 00:31:02,479
Eventually, Donald gets a cell phone
number and calls Ramil, who agrees to
442
00:31:02,480 --> 00:31:03,079
him up.
443
00:31:03,080 --> 00:31:06,820
So he comes and he picks me up in this
really nice car.
444
00:31:08,159 --> 00:31:14,019
over $100 ,000 Mercedes -Benz, and we're
riding. We weren't even in the car for
445
00:31:14,020 --> 00:31:18,280
20 minutes, and he turns to me, and he's
like, do you have $20 for gas?
446
00:31:20,600 --> 00:31:24,560
The next night at dinner, it's the same
song and dance.
447
00:31:25,100 --> 00:31:30,219
And then he turned, and he looked at me,
and he had the same look in his eye as
448
00:31:30,220 --> 00:31:34,439
the night before when he asked me for
the $20 for gas, and I knew what was
449
00:31:34,440 --> 00:31:37,030
on right away, and I was like, you know
what, Ramil?
450
00:31:37,840 --> 00:31:38,890
Yeah, unbelievable.
451
00:31:39,160 --> 00:31:43,680
Come to find out Vermillion didn't have
the money to pay the restaurant bill.
452
00:31:44,940 --> 00:31:48,780
Turns out Robinson has been evicted from
Williams Island.
453
00:31:49,520 --> 00:31:54,760
And he's now living on this dingy block
of cheap hotels in North Miami Beach.
454
00:31:57,460 --> 00:32:02,740
He rents a single room, sponging off his
girlfriend who makes her money doing,
455
00:32:02,940 --> 00:32:05,540
what else, dancing in strip clubs.
456
00:32:06,670 --> 00:32:08,900
From Williams Island? Yeah, a big come
down.
457
00:32:09,430 --> 00:32:10,730
A big come down.
458
00:32:10,930 --> 00:32:14,829
And if he's living like this, then how's
he going to be able to do what he said
459
00:32:14,830 --> 00:32:15,880
he's going to do?
460
00:32:16,450 --> 00:32:21,769
Donald pushes Ramil to scrape together
enough cash to pay creditors so their
461
00:32:21,770 --> 00:32:23,030
can get her house back.
462
00:32:23,690 --> 00:32:26,790
But there's no squeezing blood from this
turnip.
463
00:32:27,090 --> 00:32:30,590
By that time, Ramil was so poor he
couldn't even pay attention.
464
00:32:34,830 --> 00:32:39,870
Back in Cambridge, Helen Ford, now
alone, has moved into a small apartment.
465
00:32:41,410 --> 00:32:45,810
Her former home is vacant, except for
the occasional squatter.
466
00:32:47,110 --> 00:32:52,929
One day, to publicize her plight, she
and her attorney, Dennis Benson, take an
467
00:32:52,930 --> 00:32:55,230
ESPN reporter through the home.
468
00:32:56,370 --> 00:33:01,010
When I walked up the driveway, I could
hear my husband's voice.
469
00:33:03,470 --> 00:33:04,950
Tell him me it will be okay.
470
00:33:07,550 --> 00:33:11,530
He said, Helen, you're a strong woman.
Keep your head up.
471
00:33:13,050 --> 00:33:14,550
God's going to take care of you.
472
00:33:16,490 --> 00:33:17,670
I said, thank you.
473
00:33:18,570 --> 00:33:25,189
And then when I got to the stairs and I
opened the door and I looked in and I
474
00:33:25,190 --> 00:33:30,770
said, wow, this was once mine, no longer
mine.
475
00:33:34,410 --> 00:33:39,989
I remember walking into Romero's room
and seeing the memorabilia and the
476
00:33:39,990 --> 00:33:42,330
trophies and the dust.
477
00:33:43,610 --> 00:33:49,590
I felt the pain that Helen felt and the
disappointment.
478
00:33:49,890 --> 00:33:51,850
A terrible experience.
479
00:33:52,310 --> 00:33:55,950
And I hope nobody else has to go through
that ever again.
480
00:33:57,690 --> 00:34:03,230
Because when you give your all to
someone who you didn't even know.
481
00:34:03,640 --> 00:34:07,580
You welcomed him into your bosom and
your family.
482
00:34:09,420 --> 00:34:16,199
And I never mentioned him or introduced
him to people as my foster son.
483
00:34:16,340 --> 00:34:17,639
This is my son.
484
00:34:18,699 --> 00:34:20,860
And I think that's the part that hurts.
485
00:34:31,920 --> 00:34:36,080
In Des Moines, Iowa, the loan officer is
freaking out.
486
00:34:36,719 --> 00:34:41,260
I'm adamant. I'm on him every day.
You've got to get these loans paid back.
487
00:34:41,600 --> 00:34:47,138
Once a true believer in Harmony Cove,
the banker finally wakes from his pipe
488
00:34:47,139 --> 00:34:51,099
dream. My mistake in this, my biggest
mistake in this whole thing, or the real
489
00:34:51,100 --> 00:34:57,059
point, was at that point in time, I had
the opportunity to switch on the light
490
00:34:57,060 --> 00:34:59,700
and tell everybody, hey, there's...
491
00:34:59,950 --> 00:35:05,349
probably something wrong with this that,
you know, I wasn't aware of. But we
492
00:35:05,350 --> 00:35:10,750
need to, you know, really, really hammer
into this. Instead, I tried to fix it.
493
00:35:11,570 --> 00:35:14,870
Fix it by trying to hide the bad loans.
494
00:35:15,610 --> 00:35:18,310
His sleight of hand fools no one.
495
00:35:18,590 --> 00:35:23,289
And ultimately, that's how it gets
discovered by the bank is one of the
496
00:35:23,290 --> 00:35:25,810
officer subordinates becomes concerned.
497
00:35:26,600 --> 00:35:31,499
that she sees this practice of him
rolling interest and penalties into the
498
00:35:31,500 --> 00:35:33,840
principal and then rolling it into a new
loan.
499
00:35:34,180 --> 00:35:37,840
She blows the whistle, and the officer
is fired.
500
00:35:38,580 --> 00:35:40,320
But that's just the beginning.
501
00:35:41,020 --> 00:35:43,480
The kickback is a federal crime.
502
00:35:44,020 --> 00:35:49,579
In September 2009, both Ramil Robinson
and the loan officer are arrested for
503
00:35:49,580 --> 00:35:54,400
conspiracy to commit bank fraud and bank
bribery, among other charges.
504
00:35:57,740 --> 00:36:03,379
When American Greed returns, see how
much Robinson really cares about the
505
00:36:03,380 --> 00:36:04,900
neighborhood that saved him.
506
00:36:05,280 --> 00:36:06,720
They got my name on it.
507
00:36:07,040 --> 00:36:08,090
Whoopee!
508
00:36:08,540 --> 00:36:11,310
That's how much I care about my name
being on the street.
509
00:36:29,450 --> 00:36:34,629
In Des Moines, Iowa, Rameel Robinson
stands trial for bilking Community State
510
00:36:34,630 --> 00:36:41,390
Bank out of $1 .2 million so he could
live life like the high flyer he once
511
00:36:43,630 --> 00:36:46,410
Keith Rigg is Robinson's defense
attorney.
512
00:36:47,830 --> 00:36:52,369
Basically, the defense had to be
convincing the jury there was a level of
513
00:36:52,370 --> 00:36:56,750
incompetence there which took this out
of being criminal.
514
00:36:57,440 --> 00:36:59,940
and into basically just being stupid.
515
00:37:00,720 --> 00:37:04,360
But the feds say incompetence is no
excuse.
516
00:37:04,860 --> 00:37:09,920
So Ramil was not prosecuted and
convicted because he was a bad
517
00:37:10,200 --> 00:37:13,760
There are many bad businessmen who don't
violate the law.
518
00:37:13,980 --> 00:37:20,320
But what made this a crime was he
repeatedly made false statements to the
519
00:37:20,420 --> 00:37:25,660
and then above and beyond that was the
very significant act of...
520
00:37:25,900 --> 00:37:28,340
bribing or paying a kickback to a lone
officer.
521
00:37:28,940 --> 00:37:34,980
In an unusual twist, the defendant's own
mother testifies against him.
522
00:37:35,200 --> 00:37:41,579
The sense of betrayal that Helen Ford
felt was profound because here was this
523
00:37:41,580 --> 00:37:46,880
young man that she cared for, she loved,
she supported.
524
00:37:47,600 --> 00:37:54,579
To find herself in a court of law
testifying against him was something
525
00:37:54,580 --> 00:37:55,630
her apart.
526
00:37:55,690 --> 00:37:58,070
That was, I think, when it all hit me.
527
00:37:58,370 --> 00:38:01,850
How could he do this to me and my
family?
528
00:38:02,470 --> 00:38:08,489
And so through sobs on the witness
stand, she explained her current
529
00:38:08,490 --> 00:38:14,609
and circumstances, and Ramil sat and
watched all this. The jurors were quite
530
00:38:14,610 --> 00:38:16,470
moved, it appeared, by her testimony.
531
00:38:17,370 --> 00:38:20,930
It takes the jury three hours to render
its verdict.
532
00:38:21,530 --> 00:38:23,290
Guilty on all counts.
533
00:38:25,610 --> 00:38:29,170
Pending his sentencing hearing, Robinson
is out on bond.
534
00:38:30,630 --> 00:38:37,349
During that time, he speaks with the
ESPN program E60, and he napalms any
535
00:38:37,350 --> 00:38:38,970
bridge he had with his family.
536
00:38:39,810 --> 00:38:43,910
Listen, you don't live by a house a lot.
A house don't make a man or a woman.
537
00:38:45,590 --> 00:38:50,229
But if that's the only thing you think
you have, maybe you should have went to
538
00:38:50,230 --> 00:38:52,830
college and learned to study seven
subjects.
539
00:38:53,440 --> 00:38:57,199
Or five subjects. You just took five
subjects and not just did one thing in
540
00:38:57,200 --> 00:38:58,250
life.
541
00:38:59,680 --> 00:39:04,919
What he didn't realize is at the age,
you know, of 50 years old, my mother did
542
00:39:04,920 --> 00:39:09,100
go back to school and got a master's
degree in education.
543
00:39:10,180 --> 00:39:14,800
You know, devastating to me to hear him
talk like that about her.
544
00:39:16,620 --> 00:39:19,660
After all the sacrifices I know that she
made for him.
545
00:39:23,530 --> 00:39:25,450
I don't care about anybody but himself.
546
00:39:28,850 --> 00:39:33,629
Three months later, at his sentencing
hearing, the prosecution plays the
547
00:39:33,630 --> 00:39:34,970
in open court.
548
00:39:35,290 --> 00:39:38,550
Helen's always known that I never liked
that house anyway, Jeff.
549
00:39:39,150 --> 00:39:41,730
Okay? They got my name on it. Whoopee!
550
00:39:42,850 --> 00:39:45,620
That's how much I care about my name
being on the street.
551
00:39:46,010 --> 00:39:51,509
But it's hurtful to hear him say that he
didn't like that, I never liked that
552
00:39:51,510 --> 00:39:52,570
house. Really.
553
00:39:53,360 --> 00:39:56,960
Well, you never showed it. You never
showed it.
554
00:39:57,360 --> 00:39:58,460
This changed.
555
00:39:58,880 --> 00:40:01,520
I just, it's mind -boggling.
556
00:40:02,100 --> 00:40:07,559
Before he sentences the defendant, the
judge gives Robinson a chance to address
557
00:40:07,560 --> 00:40:08,539
the court.
558
00:40:08,540 --> 00:40:12,460
My standard advice to people is, you are
going to say something.
559
00:40:12,720 --> 00:40:15,980
Once you get much past, I'm really
sorry.
560
00:40:16,480 --> 00:40:18,650
Sometimes things can go a little
sideways.
561
00:40:18,920 --> 00:40:21,840
In an emotional, incoherent rant.
562
00:40:22,400 --> 00:40:27,279
Robinson says he was convicted because
his attorney is incompetent, and it
563
00:40:27,280 --> 00:40:28,330
doesn't end there.
564
00:40:29,280 --> 00:40:34,959
Robinson also accuses the judge, the
Honorable Ronald Longstaff, of being
565
00:40:34,960 --> 00:40:38,380
corrupt. He made a bad situation much
worse.
566
00:40:38,620 --> 00:40:43,860
When Robinson is finished, all eyes turn
to the judge to see his reaction.
567
00:40:44,200 --> 00:40:49,939
And it was really interesting because he
kind of got a hint of a smile on his
568
00:40:49,940 --> 00:40:54,810
face. It certainly clarified things for
him. And he didn't get angry at all.
569
00:40:55,470 --> 00:41:00,090
Once he was done, said you'd made what
was a hard decision simple.
570
00:41:01,070 --> 00:41:06,789
The judge says, by your statement today,
you demonstrate to me absolutely no
571
00:41:06,790 --> 00:41:07,840
remorse.
572
00:41:08,530 --> 00:41:14,349
Told him that money is like a drug to
you, Ramil. And just like that, Ramil
573
00:41:14,350 --> 00:41:19,430
Robinson, the Caribbean cast -off who
realized his dream in the NBA,
574
00:41:20,350 --> 00:41:24,930
is given the stiffest sentence
available, six and a half years in
575
00:41:25,570 --> 00:41:28,520
You know, he was blessed. You know, he
was a blessed athlete.
576
00:41:28,710 --> 00:41:30,130
He had a blessed family.
577
00:41:30,550 --> 00:41:32,010
He had great friends.
578
00:41:32,330 --> 00:41:37,649
It's never too late to really reflect
and to take responsibility and try to
579
00:41:37,650 --> 00:41:38,589
rebuild your life.
580
00:41:38,590 --> 00:41:42,749
And I think that's the part of his life
that probably has to wrestle a little
581
00:41:42,750 --> 00:41:43,800
bit more with.
582
00:41:45,030 --> 00:41:49,390
The lone officer pleads guilty and is
sentenced to two years in prison.
583
00:41:51,560 --> 00:41:55,400
In 2013, Helen Ford gets her house back.
584
00:41:56,000 --> 00:42:00,839
Dennis Benson negotiates a settlement
with American Home Mortgage, the company
585
00:42:00,840 --> 00:42:02,340
that greenlit the fraud.
586
00:42:03,020 --> 00:42:08,480
As long as she stays current, paying for
the home that was already paid off,
587
00:42:08,720 --> 00:42:11,480
Helen can stay there for the rest of her
life.
588
00:42:11,980 --> 00:42:13,080
But I made it.
589
00:42:14,040 --> 00:42:15,500
I made it.
590
00:42:18,250 --> 00:42:21,410
I made it, and God is good all the time.
591
00:42:23,810 --> 00:42:27,930
Because I'm still alive, and I'm back
home.
592
00:42:29,410 --> 00:42:30,730
I'm back home.
593
00:42:36,650 --> 00:42:41,970
A sign on the street now reads, Helen
and Lewis Ford Square.
594
00:42:42,020 --> 00:42:46,570
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