Director of Public Prosecutions v Veeramaneni
[2023] VCC 1569
•31 August 2023
| IN THE COUNTY COURT OF VICTORIA AT MELBOURNE CRIMINAL DIVISION | Revised Not Restricted Suitable for Publication |
Case No.CR-23-00890
| DIRECTOR OF PUBLIC PROSECUTIONS |
| v |
| ANVESH VEERAMANENI |
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JUDGE: | HER HONOUR JUDGE WILMOTH | |
WHERE HELD: | Melbourne | |
DATE OF HEARING: | 29 August 2023 | |
DATE OF SENTENCE: | 31 August 2023 | |
CASE MAY BE CITED AS: | DPP v Veeramaneni | |
MEDIUM NEUTRAL CITATION: | [2023] VCC 1569 | |
REASONS FOR SENTENCE
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Subject: Criminal law - sentence
Catchwords: Pleaded guilty obtaining a financial advantage by deception x 2, attempting to obtain financial advantage by deception x 1 – offending over 28 month period – false accident claims to insurance companies - $450,029 transferred to parents in India – lived in abject poverty in India – parents pressured by private lenders to repay money borrowed for education in Australia – emotional dysregulation - suicidal ideation – major depressive disorder and generalised anxiety disorder – no self-enrichment – assaulted in prison - general deterence
Cases Cited:Verdins v R [2007] VSCA 102
Sentence: 3 years 9 months imprisonment non parole period 15 months.
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APPEARANCES: | Counsel | Solicitors |
| For the DPP | Ms E. Dane | Office of Public Prosecutions |
| For the Accused | Mr L. Barker (for Plea) Mr N. Donaghy (for Sentence) | SLKQ Lawyers |
HER HONOUR:
1Anvesh Veeramaneni, you have pleaded guilty to two charges of obtaining a financial advantage by deception and one charge of attempting to obtain a financial advantage by deception.
2The offending occurred between April 2020 and August 2022 and involved making false claims to insurance companies. Each charge is a rolled-up charge, with particulars set out in schedules of offences. The Prosecution Opening including the schedules is annexed to these sentencing remarks.
3During the relevant periods you were working as a food courier for Deliveroo, making food deliveries on a motorcycle. You conducted a series of fraudulent claims against insurance companies by insuring a motorcycle or scooter and later making a false claim against that policy, claiming that the vehicle and associated equipment, such as jackets and helmets, had been damaged in an accident.
4Between 29 April 2020 and 22 March 2021 the Suncorp Group of insurance companies identified 12 claims that were fraudulently substantiated and paid to you. That amount was $30,419.83.[1] That is Charge 1.
[1] See schedule A
5Between 31 August 2020 and 15 August 2022, the Insurance Australia Group (IAG) identified a total of 141 fraudulent claims and 15 attempted claims. The total amount claimed was $371,494.10, and the total attempted amount was $31,311.18. These are Charges 2 and 3.[2]
[2] See Schedules B and C
6Your modus operandi was to use various names, dates of birth, mobile phone numbers and email addresses in initiating insurance policies. You established 30 different bank accounts with various banking institutions into which the monies were paid; 20 of these were in your name. Most of the BSB numbers for the accounts were identified as being in the western suburbs of Melbourne, either Footscray, where you were living, or in Maribyrnong.
7An analysis of 150 claims showed similar images used to substantiate claims, such as a similar background, or similar views of the same or similar items.
8The invoices used in those claims were duplicated and had similar errors, such as incorrect calculations and figures, ABNs that did not belong or did not exist, and other discrepancies.
9You voice was identified as being the same as that of the man calling the insurance companies to check on the claim progress, and handwritten documents that were submitted appeared very similar. Mobile phone numbers were repeated in a number of claims.
10The claims all related to small capacity motorcycle or scooter policies, and used false names, addresses, phone numbers and dates of birth. Soon after the initiation of the policy, typically within 1 to 4 months, a claim would be lodged for a minor fictitious or unsubstantiated account. A typical claim amount was between $1,500 and $4,000.
11Any attempts by the insurers to contact the assumed insured party were unsuccessful.
12However, these small claims were processed quickly, resulting in prompt payment.
13Investigations within the IAG Group and Suncorp led to the Financial Crime Squad becoming involved, and a police investigation followed. When arrested you made some admissions to police, and agreed you sent a large amount of money to India, to your parents and to your best friend. This was later established to be a sum of $450,029 sent by international funds transfer to India.
14On first being brought to court you were released on bail but the following day, 25 August 2022, you were charged with continuing offences of the same type and were remanded in custody, where you have remained. I understand that when you were released on bail you were taken to hospital out of concern for your mental health as you were engaging in self-harming behaviour. When you were remanded in custody you engaged in suicidal behaviour in the prison van transporting you from court, and once at the prison you were seen by a clinician and prescribed anti-depressant medication.
Mitigating factors
15You pleaded guilty to these charges at the earliest possible opportunity and so what could have been an extended trial has been avoided. That has utilitarian value in assisting the criminal justice system, particularly when the court is still dealing with a backlog of cases due to the COVID-19 pandemic. Therefore you are entitled to a discount on your sentence. I also accept it as an indication of remorse, and acceptance of responsibility for the offending.
16That augurs well for your prospects of rehabilitation, even though specific deterrence has perhaps only a small role to play. Other positive aspects are your good record in the past, with no prior convictions, a stable way of life and good work history.
17You come from a supportive family, with your parents living in a rural village near Hyderabad in central India. Your family origins are highly relevant to your motive for your offending, as you grew up in what can be described as abject poverty. The family of parents and two children lived in a two-room shack in a slum area, with no running water in the house and no sanitation. Your parents had had no education themselves but sought it for you and your sister and instilled the importance of it in you both.
18You were an excellent student at the local government school and went on to graduate in Information Technology from university in Hyderabad, in 2017.
19However, during these years you struggled with depression and required medical attention.
20Your parents encouraged you to pursue your further education overseas and you applied successfully to RMIT University in Melbourne. A fee of $68,000 was required, with further funds needed for travel, relocation and housing. These latter funds were provided by loans from friends, but the tuition fees were raised by a loan from 'private lenders' otherwise described in these proceedings as loan sharks.
21You came to Melbourne in 2017 and completed your Masters degree in the minimum time, by 2019. You lived in a share house in Footscray, one of 8 people in a three-bedroom house, paying $450 per month.
22Because you were not a permanent resident your employment prospects were limited and you could not find a job in Information Technology, so you continued to work for Deliveroo as a part-time delivery rider.
23Meanwhile, with the advent of the pandemic, the private lenders began to pressure your parents to repay the loan, with high interest, which had grown to several times the original loan amount. The demands for repayment were accompanied by threats of violence and harassment and at this time your mother's health deteriorated and she suffered from cardiac and other problems, with money needed for her treatment.
24In early 2020 you were involved in an accident when a car hit your motorbike while you were stationary at a red light. You were not injured but your bike was damaged and you made a legitimate insurance claim. That prompted you to make the false claims that followed.
25Around that time, you experienced some suicidal ideation and suicidal behaviour, which also occurred at the time of your arrest.
26You have been assessed recently by a forensic psychologist, Ms Naomi Cameron, who diagnosed Major Depressive Disorder and Generalised Anxiety Disorder. She could not say whether these conditions existed at the time of the offending but noted that you had disengaged from mental health treatment before coming to Australia. She considered that the financial distress you experienced when you could not find work and felt the need to repay your parents' debt, likely triggered your symptoms of anxiety, helplessness and emotional dysregulation, leading to the offending.
27Ms Cameron explained that such negative affective states can alter cognition and behaviour by impairing impulse control and decision-making and inhibiting an individual's ability to consider alternative responses.[3]
[3] Report of Naomi Cameron dated 14 August 2023 [69-70]
28This enlivens the principles in the case of Verdins, as submitted by Mr Barker who appeared for you, and conceded by Ms Dane for the prosecution.
29Accordingly, your moral culpability is somewhat reduced, and I take that into account in sentencing you.
30The principles in Verdins are also relevant to your experience of imprisonment. There are several reasons why the experience has been and will continue to be more burdensome for you than for many others, given that you have no real friends or family in Melbourne and so have no visitors, leading to great isolation. You are limited to one phone call a week with your parents or your sister in Canada.
31Although you speak good English your speech is marked by a strong accent, making it hard for other prisoners to understand you. Furthermore, you find the food in prison highly unpalatable, as you are used to a very simple diet of rice and dahl, and your Hindu religion excludes meat. As a consequence, you have lost 15 kilograms while in prison.
32You have also been subjected to physical bullying and assaults in prison, as well as attempted sexual assault. Your extreme depression and anxiety have seen you consulting the prison psychiatric staff very regularly, for their assistance.
33Despite that you have completed many courses in prison, which is to your credit.
34Returning to other matters in mitigation, several people have written letters in support of you, and they speak very well of you, confirming the financial problems you faced and that you are otherwise a good person.
35Once you are released from custody after serving your sentence you will almost certainly be deported to India, which will deprive you of your hope that you would make a life for yourself in Australia. I am able to take this into account as being a prospect that will weigh heavily upon you.
The gravity of the offending
36You used the funds to alleviate your parents' financial distress, which you saw as your responsibility. Some money went to your friend who had lent you money for travel and housing initially. None of the funds were used to enrich yourself – you continued to live in the share house and owned nothing in the way of luxury goods or the like.
37Some of the money, however, was used by you to pay for the further insurance policies.
38The offending was serious. It was calculated and planned but not greatly sophisticated, and was of some duration, using the same system of deception repeatedly. You did not understand then, but you do now, at least in theory, that this was not a victimless crime, but one that caused everyone's insurance premiums to rise. You sought to minimise it when interviewed by the police but by the time you were seen by Ms Cameron you understood how wrong your behaviour was and you felt ashamed and remorseful. Nonetheless, you still maintained that you had not harmed anyone, and made the point that you had paid for the premiums.
39A final observation as to the serous nature of the offending is that it would appear that there was inadequate oversight of the claims process by the various insurers, and your scheme could have been detected earlier.
40General deterrence is of significant importance in a case like this, because of the need to deter others who might be tempted to defraud insurance companies in a similar way, or generally act dishonestly. The maximum penalty for Charges 1 and 2 is 10 years imprisonment, and for charge 3 it is 5 years.
41I was referred to two cases in which the circumstances bore some similarity with yours, but where the amounts gained by deception were considerably lower. In one case immediate custody was avoided, and in the other a modest prison sentence was imposed. Would you stand now please.
42I sentence you to 2 years' imprisonment for Charge 1, 3 years for Charge 2, and 12 months for Charge 3. The sentence for Charge 2 will be the base sentence for purposes of cumulation I order that 6 months of the sentence for charge 1 and 3 months of the sentence for Charge 3 be served in cumulation upon the base sentence. That results in a total effective sentence of 3 years and 9 months.
43I order that you serve 15 months before being eligible for parole. This is a modest period of imprisonment, which takes into account the difficulties you have experienced in prison to date and will continue to experience. It also takes into account the other mitigating factors.
44You have been in prison for 371 days, not including today, that is the pre‑sentence detention figure. That detention is to be reckoned as having already been served, and I shall cause it to be noted on the court record.
45If you had pleaded not guilty, I would have sentenced you to 4 years' imprisonment, with a non-parole period of 2 years and 3 months.
46The only ancillary order is that compensation order that I have already made. Is there anything else Mr Barker that I have omitted or neglected?
47MR BARKER: Nothing Your Honour, thank you.
48HER HONOUR: Anything else, Mr Donaghy.
49MR DONAGHY: No, Your Honour.
50HER HONOUR: Now Mr Barker, do you need to have a talk to your client? Can that be done here or can you go downstairs?
51MR BARKER: I prefer to have it here if I could, Your Honour, briefly?
52HER HONOUR: Pardon?
53MR BARKER: I prefer to talk to him here briefly if I could, rather than go downstairs, yes.
54HER HONOUR: Yes, briefly, all right, all right. Can I ask that once everyone is ready they leave the court and give Mr Barker some time with his client.
55MR BARKER: Thank you, Your Honour.
- - -IN THE COUNTY COURT Court Reference: CR-23-00890
IN THE STATE OF VICTORIA Indictment No: N11820938 AT MELBOURNE
DIRECTOR OF PUBLIC PROSECUTIONS
-V-
ANVESH VEERAMANENI
AMENDED SUMMARY OF PROSECUTION OPENING FOR PLEA
Date of Document: 25 August 2023
Filed on behalf of: The Director of Public Prosecutions
Prepared by: ABBEY HOGAN
Solicitor for Prosecutions 565 Lonsdale Street
Melbourne VIC 3000
E Dane
Ref: 2202595
Solicitor’s Code: 7539 Telephone:
Email: [email protected]
CHARGES
| Charge | Act/Legislation | Maximum Penalty |
| Obtaining Financial Advantage by Deception (charges 1 and 2) | Section 82 Crimes Act 1958 | 10 years’ imprisonment |
| Attempting to Obtain Financial Advantage by Deception (charge 3) | Section 321 & s82 Crimes Act 1958 | 5 years’ imprisonment |
BACKGROUND
1.The offender in this matter is Anvesh VEERAMANENI (hereinafter referred to as the offender). The offender was between 24 and 27 years old during the offending. At the time he worked as a food courier for Deliveroo which involved making deliveries on a motorcycle. During the period of offending the offender resided at 1/10 Eldridge Street, Footscray in Victoria with Kunwar SINGH and Sonia SINGH and their child, who were the lease holders at the property.
2.The Complainants in this matter are Insurance Australia Group (IAG) and Suncorp Group. IAG includes subsidiary insurance brands, RACV, NRMA, SGIC, SGIO and Swann Insurance.1 Suncorp and their subsidiary brands include AAMI, Bingle, GIO and Suncorp Insurance.
THE OFFENDING
Between April 2020 and August 2022, the offender conducted a series of fraudulent claims against insurance companies by firstly insuring a vehicle (motorcycle or scooter) and then a few months later making a false claim against that insurance policy for the vehicle and associated equipment (such as expensive jackets and helmets) that were allegedly damaged in an accident.
Between 29 April 2020 and 22 March 2021, investigation undertaken by Suncorp identified a total of 12 claims that were fraudulently substantiated and paid out to the offender.2 The total payout figure for the 12 claims is $30,578.52. For a full list of the claims made by the offender against Suncorp please see appendix to the indictment, Schedule A.
Between 31 August 2020 and 15 August 2022, investigations undertaken by IAG identified a total of 141 fraudulent claims and 15 marked as attempted fraudulent claims being made.3 The total payout figure for the 141 fraudulent claims is $371,496.10 with an additional $31,311.18 in the 15 attempts. For a full list of the claims made by the offender against IAG, please see appendix to the indictment, schedule B. For all attempted claims made against IAG, please see schedule C.
Investigations conducted by IAG and Suncorp Group identified the number of claims made the offender had the following features, which demonstrated a link not only between each of the claims but the link to the offender:
a.Policies were initiated in various names, dates of birth, mobile phone numbers and email addresses were reused over many claims
b.The bank accounts receiving claim monies were accounts belonging to the offender held with various banking institutions including the CBA, Westpac, NAB, ANZ, Suncorp Bank and Bank of Melbourne.
i. A total of thirty different bank accounts were used in the claims by the offender. Twenty of the thirty accounts used were in the name of the offender, as named account holder.
1 Statement of Wilhelmus WINTELS, Depositions page 566.
2 Statements of Ross MORSON, Depositions page 768 – 986.
3 Ibid, page 567; Statement of Marie AZAR, Depositions page 744.
2
ii. Of those 20 accounts, they were the designated account in almost all of the claims against IAG and in all of the claims against Suncorp.
c.Analysis of the BSB numbers provided for these accounts were predominantly identified as being in the western suburbs of Melbourne, being either Footscray or Maribyrnong
d.The images and invoices used to substantiate claims were the same or similar images for each claim.
i. Analysis of the images used across 150 claims reveals that the same images were repeated across claims or there was a similar background or different views of the same or similar items.
ii.Analysis of the invoices used across 150 claims reveals that invoices were duplicated but also notably were duplicated with similar errors including:
1.calculations of GST and subtotal figures being incorrect;
2.ABNs that didn’t belong or didn’t exist;
3.Address and contact details of company not matching or appearing to be made up;
4.Variations of font size and type throughout;
5.Incorrect logos used between invoices from the same company;
6.Interstate companies being used for accidents occurring in Victoria;
7.Items being listed on company invoice that are not sold by that company; and
8.Missing usual ATO requirements such as “Tax Invoice” labelling on invoices, discrepancies in invoicing numbering and dates, spelling errors etc.
e.Audio files from IAG and Suncorp recorded the same male voice calling to check on claim progress. Throughout the calls, the offender would purport to be different individuals, utilising different names, address and other details.
f.Handwritten documents submitted appeared very similar
g.Addresses in Melbourne’s western suburbs was repeated over a number of claims. Later claims reported accidents to have occurred across Australia.
3
h. Mobile phone numbers repeated across a number of claims
In addition to the above similarities across the identified fraudulent claims, the following similar Modis operandi can be noted:
a.All claims related to small capacity motorcycles or scooter policies
b.All policies were opened with fraudulent names, addresses, mobile phone numbers and dates of birth
c.Polices were typically paid for by credit/debit card transactions on a monthly basis
d.Soon after policy inception, typically within 1-4 months, a claim would be lodged for the minor fictitious or unsubstantiated accident. This would be due to waiting periods required to be concluded before claims could be lodged
e.Claims lodged were for low-cost damage to the vehicle as well as accessory riding equipment such as helmets, boots or a jacket. Typically claim amounts were in the vicinity of $1,500 to $4,000.
f.The low-cost claims were processed quickly after images and documents supporting the claim were provided. The ‘insured party’ would provide the documents quickly, which facilitated prompt payment
g.After payment of claim made to the offender, any attempt to contact the insured party for repairs to the vehicle, were unsuccessful.
In relation to charge 1, the first two transactions differed in terms of the advantage obtained, from the remaining, as follows:4
a.The claim made by “YADAV” to Suncorp for the amount of $1762.30 comprises of the following:5
i. $813 directly deposited to the offender; and
ii. $949.30 being the value of the repairs.
b.The claim made by “LABHISHETTY” to Suncorp for the amount of $6,642.78, comprises of the following:6
i. $3,858.00 directly deposited to the offender; and
4 See Appendix, Schedule A.
5 Claim M059909357 of Yipin TADAV, Depositions page 770, paragraphs 17-18
6 Claim M059788380 of Nithin LABHISHETTY, Depositions page 778, paragraph 16.
4
ii. $2,784.78 being the value of the repairs.
ARREST AND INTERVIEW
In November 2021 a fraud investigator at IAG contacted the Financial Crime Squad regarding the suspected fraudulent insurance claims received and subsequently paid out by insurance copies within the IAG group.
10.On 8 March 2022 a statement was provided by an investigator at Suncorp regarding deceptions of a similar nature to those reported by IAG.
11.A police investigation followed.
12.On 23 August 2022, investigator from the Financial Crime Squad executed a search warrant under s465 of the Crimes Act 1958 at the accused residential address in Footscray.7 As a result of the search warrant the following items were located and seized:8
a.3 x Apple iPhones and iPhone cases
b.Apple iPad
c.HP silver laptop
d.Indian Passport in name of Anvesh VEERAMENENI
e.Various bank cards and Victoria Learners Permit in the name of the offender
f.Black binder notebook
g.Miscellaneous Documents
h.Deliveroo jacket
i.Silver motorbike helmet
j.Orange/black/white motorbike helmet
k.3 x damaged jackets
l.6 x motorbike helmets of various colours.
13.The offender was arrested and transported to Footscray Police Station for interview with SC SPRAKEL and DSC IVANOV.
7 Statement of Senior Constable Damion SPARKEL, Depositions page 810.
8 Ibid, page 813
14.During the interview, the offender made various admission and comments about the allegations.9 He stated that:
a.He committed the offences because he was hired by the stated insured parties or claimant parties to make the claims, whereby he’d make a commission
b.He agreed he sent a large amount of money to overseas accounts in India to his parents and best friend but didn’t know how much.
c.The offender repeatedly requested police to be able to leave the record of offending and generally disregarded the nature of the allegations being put to him
15.The offender was then charged with 10 counts of Obtaining a Financial Advantage by Deception in relation to the 10 first claims against IAG, with a total payout alleged of
$44,650.65.
16.The offender was brought before the Melbourne Magistrates’ Court on 24 August 2022 for filing hearing. He was bailed to attend Court on 30 September 2022 with the condition not to attempt to obtain a passport or attend international points of departure.
17.On 25 August 2022, the offender was served with a continuation of charges for further offences of Obtaining Financial Advantage by Deception. The offender was remanded and has remained in custody since that date.10
International Funds Transfer
18.Financial analysis of banking documentation obtained from the Australian Transaction Reports and Analysis Centre (AUSTRAC) for the investigation has traced $450,029.00 in funds sent by the offender through to assorted parties, all based in India via international funds transfer with international remitter companies. All funds were sent to India by the offender between 20 June 2020 and 14 March 2022.
PRE-SENTENCE DETENTION
Mr Veeramaneni has served 369 days pre-sentence detention applicable to this matter since his arrest and remand on 25 August 2022 and the plea hearing on 29 August 2023.
VICTIM IMPACT STATEMENT
No victim impact statements to be filed.
9 Transcript of Record of Interview, Depositions page 852
10 Ibid, page 814; Statement of D Sgt Craig WILSON, Depositions page 807.
6
PRIOR CONVICTIONS
No criminal history.
SENTENCE DISCOUNT FOR GUILTY PLEA – section 6AAA
21.Mr Veeramaneni indicated his intention to plead guilty to these charges on 26 May 2023 at the committal mention stage. He is therefore be entitled to a sentence discount.
ANCILARY ORDERS
Compensation orders are sought and agreed in the following terms:
a.Suncorp - $30,578.52
b.IAG - $342,867.51
CHRONOLOGY
| Date | Event |
| 29 April 2020 – 13 March 2021 | Offending against Suncorp Group |
| 31 August 2020 – 11 August 2022 | Offending against IAG |
| 24 August 2022 | Arrest, ROI and charge and release on bail |
| 25 August 2022 | 2nd arrest and remanded in custody |
| 26 August 2022 | Matter filed in the summary stream |
| 1 September 2022 | Further charges filed |
| 24 October 2022 | Filing Hearing |
| 22 February 2022 | Committal Mention (adjourned) |
| 26 April 2023 | Committal Mention (adjourned for Crown to consider defence offer) |
| 26 May 2023 | Committal Mention (SHUB to CC, PG) |
| 29 August 2023 | Plea Hearing, County Court |
E Dane Plea Prosecutor
APPENDIX – SCHEDULES OF OFFENDING
SCHEDULE A (charge 1)
COLUMN A COLUMN B COLUMN C COLUMN D COLUMN E COLUMN F
Insured party Policy
Inception
Claim Date Pay Date Financial
Advantage
Claim #
Nithin
LABHISHETTY
18/07/2019 29/04/2020 Unspecified $6,642.78 M059788380
Vipin YADAV 12/04/2020 11/05/2020 12/05/2020 $1,762.30 M059909357
Sai Kumar
SAKINALA
18/7/2020 8/08/2020 25-26/08/2020 $3,167.00 M061280174
Mastanvali Khan
MOHAMMAD
6/6/2020 18/08/2020 24/08/2020 &
28/08/2020
$2,318.00 M061421192
Sathwik BYREDDY 8/09/2020 12/09/2020 29/09/2020 $3,451.00 M061789214
Pradeep Singh RENU 10/09/2020 4/10/2020 9/10/2020 &
21/10/2020
$3,023.00 M062120194
Ramu DASARI 13/10/2020 9/11/2020 11/11/2020 $3,583.51 M062748070
Arnab SYED 30/11/2020 06/01/2021 11/01/2021 $1,500.00 M063814442
Utejam BODHA 7/12/2020 26/01/2021 5/02/2021 $1,508.99 M064182907
Azhar Khan
MOHAMMAD
2/12/2020 2/02/2021 4/02/2021
10/02/2021
$619.95 M064316336
Asif MOHAMMAD 22/01/2021 7/03/2021 7/03/2021 $1,489.99 M064890116
Seoji JOE 4/02/2021 13/03/2021 22/03/2021 $1,512.00 M065056738
TOTAL $30,578.52
SCHEDULE B (charge 2)
COLUMN A COLUMN B COLUMN C COLUMN D COLUMN E COLUMN F
Insured Party Policy
inception
Claimed
Loss Date
Pay date Financial
Advantage
Claim #
Suresh VARDINENI 31/07/2020 27/08/2020 31/08/2020 -
7/9/2020 $3,310.00
RAV202756907
Sathwik BYREDDY 7/09/2020 14/09/2020 22/09/2020 $3,768.54 RAV202793182
Suresh VARDINENI 31/07/2020 22/09/2020 29/09/2020 –
14/10/2020 $5,064.08
RAV202811388
Sarjith GUPTHA 20/09/2020 23/10/2020 28/10/2020 $4,222.55 RAV202870699
Lenin BABU 26/09/2020 1/11/2020 3/11/2020 $4,382.50 RAV202890425
Sathwik BYREDDY 7/09/2020 22/11/2020 26/11/2020 $4,275.00 RAV202940031
Azhar
MOHAMMAD
31/10/2020 3/12/2020 7/12/2020
$4,621.06
RAV202968253
Gurun AVI 17/11/2020 21/12/2020 31/12/2020 $4,593.25 RAV203011236
Arnab SYED 29/11/2020 5/01/2021 8/01/2021 $4,480.00 RAV213035806
Azhar Khan
MOHAMMAD
2/12/2020 12/01/2021 18/01/2021
$4,577.19
RAV213051350
Lenin BABU 26/09/2021 23/01/2021 27/01/2021 $4,302.76 RAV213076838
Prashanthreddy
KUNINTI
26/11/2020 31/01/2021 14/02/2021
$7,853.96
RAV213094904
John RONI 16/12/2020 4/02/2021 10/02/2021 $4,675.75 RAV213104545
Arjith DEVIN 25/12/2020 17/02/2021 23/02/2021 $1,900.39 RAV213134321
Ann SANI 3/01/2021 28/02/2021 4/03/2021 $4,261.00 RAV213157588
Arnab SYED 29/11/2020 7/03/2021 17/03/2021 $2,577.90 RAV213170810
Ravi Kumar ANNA 31/01/2021 14/03/2021 18/03/2021 $3,860.67 RAV213186318
Anvith Singh
BONIA
17/02/2021 25/03/2021 31/03/2021
$4,135.92
RAV213221384
Raju PALVENI 24/02/2021 6/04/2021 8/04/2021 $3,452.93 RAV213246906
Raju RANNE 23/01/2021 12/04/2021 14/04/2021 $1,859.98 RAV213261062
Raju NANI 14/03/2021 22/04/2021 26/04/2021 $1,844.68 RAV213285382
Prabhu RAM 24/03/2021 29/04/2021 3/05/2021 $3,622.69 RAV213300636
Navadeep PANDU 27/03/2021 3/05/2021 6/05/2021 $1,946.36 NRU213308014
Sai DEVARALA 18/01/2021 5/05/2021 6/05/2021 $1,988.97 RAV213313089
Pavan NAGARU 29/03/2021 9/05/2021 10/05/2021 $2,000.00 NRA213320317
Suman NIPPU 28/03/2021 11/05/2021 14/05/2021 $2,000.00 RAV213326319
Phani LOUIS 5/04/2021 17/05/2021 21/05/2021 $2,008.98 RAV213339204
Teju UTTHAM 17/04/2021 18/05/2021 19/05/2021 $2,000.00 NRA213342071
Prasad KOTTI 9/04/2021 23/05/2021 24/05/2021 $1,999.95 RAV213351368
Sai Krishna
GOGINENI
9/04/2021 25/05/2021 1/06/2021
$8,956.60
RAV213356140
Nazeer
MOHAMMAD
19/04/2021 26/05/2021 2/06/2021
$2,000.00
RAV213359887
Sidhu PALMANI 5/05/2021 1/06/2021 4/06/2021 $1,994.98 NRU213371498
Ravinder JAMMI 7/05/2021 6/06/2021 8/06/2021 $1,989.98 NRA213379830
Pareesh SUMA 4/05/2021 6/06/2021 8/06/2021 $1,999.99 RAV213379857
Umesh NAVI 13/05/2021 13/06/2021 16/06/2021 $1,999.99 NRA213397093
Mounik TANEE 8/05/2021 13/06/2021 16/06/2021 $2,000.00 RAV213398914
John NATHI 16/05/2021 17/06/2021 22/06/2021 $2,000.00 NRU213408602
Krunal MAMI 13/05/2021 20/06/2021 2/07/2021 $7,930.44 RAV213413316
Sunith THANIK 16/05/2021 22/06/2021 24/06/2021 $2,000.00 RAV213419636
Vasu NAYAK 26/05/2021 23/06/2021 25/06/2021 $2,089.98 NRX213422308
Karthik NASI 25/05/2021 26/06/2021 30/06/2021 $1,998.98 NRU213428463
Krupan NALLI 27/05/2021 27/06/2021 1/07/2021 $1,999.99 NRA213429238
Preetham KOUSI 31/05/2021 1/7/2021 2/07/2021 $2,000.00 NRU213438869
Naresh VARDINENI 6/06/2021 4/07/2021 9/07/2021 $2,000.00 NRU213442982
Krushan Patia 9/06/2021 7/07/2021 9/07/2021 $2,000.00 NRA213450879
Alan SUE 11/06/2021 10/07/2021 14/07/2021 $1,999.99 NRA213456428
Nashik
MOHAMMAD
6/06/2021 11/07/2021 15/07/2021 $2,000.00 RAV213457148
Praveen VARYU 13/06/2021 13/07/2021 20/07/2021 $2,000.00 NRX213462788
Peter NOE 13/06/2021 15/07/2021 16/07/2021 $2,000.00 NRU213466913
Alan JAYEE 17/06/2021 18/07/2021 20/07/2021 $2,000.00 NRU213470796
Jimmy LEE 17/06/2021 20/07/2021 22/07/2021 $2,000.00 NRA213475993
Manav KAUR 18/06/2021 20/07/2021 26/07/2021 $2,000.00 RAV213475943
Josh THONE 24/06/2021 17/06/2021 30/07/2021 $2,000.00 NRA213484199
Kameeresh NOSHI 26/06/2021 27/07/2021 30/07/2021 $2,000.00 NRU213488000
Sandeep VARAPU 27/06/2021 28/07/2021 3/08/2021 $1,999.99 RAV213490282
Bantu RAYI 27/06/2021 29/07/2021 29/07/2021 $2,000.00 NRX213491679
Jay MAIEN 1/07/2021 2/08/2021 4/08/2021 $1,999.99 NRA213498728
Thanav VEER 1/07/2021 3/08/2021 9/08/2021 $2,238.99 NRX213501752
Subash NALLI 2/07/2021 4/08/2021 10/08/2021 $9,132.25 RAV213503229
Pratheek BALA 7/07/2021 6/08/2021 9/08/2021 $1,999.99 NRX213506979
Pradeep KASI 9/07/2021 9/08/2021 11/08/2021 $1,992.99 NRA213511096
Stephen MAE 8/07/2021 10/08/2021 10/08/2021 $2,000.00 SGX213513020
Sunny JALEEL 6/07/2021 10/08/2021 17/08/2021 $2,000.00 RAV213512910
Peter TEE 11/07/2021 12/08/2021 13/08/2021 $2,000.00 NRX213517173
Manith KAUR 12/07/2021 15/08/2021 23/08/2021 $2,290.00 SGW213520758
Ann BEENU 18/07/2021 16/08/2021 23/08/2021 $2,285.00 NRA213523325
Karim
MOHAMMAD
1/07/2021 17/08/2021 24/08/2021 $8,835.25 NRU213524879
Kittu RENU 18/07/2021 20/08/2021 20/08/2021 $2,280.00 NRX213529810
Banu THALIK 22/07/2021 23/08/2021 25/08/2021 $1,998.98 NRA213533908
Ron MANI 15/07/2021 23/08/2021 27/08/2021 $1,979.98 RAV213533515
Krupal MASSI 23/07/2021 25/08/2021 26/08/2021 $2,000.00 NRU213538097
Nasik
MOHAMMAD
27/07/2021 26/08/2021 31/08/2021 $2,000.00 NRX213540236
Sadvik BASA 29/07/2021 28/08/2021 30/08/2021 $1,994.98 NRA213542463
Joseph KARL 20/07/2021 29/08/2021 1/09/2021 $2,000.00 RAV213543033
Surya PAMITH 14/07/2021 30/08/2021 2/09/2021 $4,178.97 RAV213545334
Ajeeb SYED 1/08/2021 1/09/2021 3/09/2021 $2,000.00 NRU213548214
Amin JAV 4/08/2021 3/09/2021 6/09/2021 $2,290.98 NRX213551831
Antony THIKKU 4/08/2021 5/09/2021 8/09/2021 $1,999.99 NRA213553977
Harideep BAMU 8/08/2021 7/09/2021 9/09/2021 $2,000.00 NRX213558275
Sayak MONAL 1/08/2021 7/09/2021 13/09/2021 $2,000.00 RAV213557426
Andhan PURI 8/08/2021 7/09/2021 8/09/2021 $2,268.98 NRU213557273
Alvin GILL 9/08/2021 10/09/2021 13/09/2021 $2,000.00 NRA213562823
Nasik MOHA 9/08/2021 11/09/2021 15/09/2021 $2,279.99 NRU213564148
Thaman PONI 29/07/2021 12/09/2021 20/09/2021 $4,209.96 RAV213564838
Daniel VEE 11/08/2021 12/09/2021 14/09/2021 $1,989.98 SGX213564809
Ron JEE 11/08/2021 13/09/2021 15/09/2021 $2,269.98 NRU213567185
Rasheed SYED 12/08/2021 14/09/2021 16/09/2021 $1,999.99 SGW213567837
Seoji JUE 12/08/2021 15/09/2021 15/09/2021 $2,000.00 NRX213569968
Zubair PATAN 14/08/2021 15/09/2021 21/09/2021 $1,989.98 RAV213571061
John VOGO 14/08/2021 15/09/2021 17/09/2021 $1,999.99 SGX213571057
Manoj PARTHI 14/08/2021 16/09/2021 20/09/2021 $2,266.81 NRA213572972
Kunal JASSE 16/08/2021 17/09/2021 21/09/2021 $2,270.00 NRX213574082
Naman POLU 16/08/2021 19/09/2021 22/09/2021 $1,989.31 SGX213575961
Preetham BAAMI 19/08/2021 19/09/2021 24/09/2021 $2,000.00 NRA213575688
Janik FHARE 19/08/2021 20/09/2021 21/09/2021 $2,160.48 NRU213578397
Anup GILL 1/08/2021 21/09/2021 24/09/2021 $2,842.95 NRX213580433
Jhon YAAN 22/08/2021 22/09/2021 28/09/2021 $2,274.98 NRU213581347
Sunny NAINI 22/08/2021 23/09/2021 24/09/2021 $1,998.98 SGX213583610
Naren BOMINI 25/08/2021 24/09/2021 30/09/2021 $1,988.98 NRA213586235
Janik FHARE 22/08/2021 25/09/2021 28/09/2021 $1,994.99 NRA213588090
Kaushal NAIK 25/08/2021 25/09/2021 30/09/2021 $1,990.98 SGW213587642
Adren NOE 28/08/2021 26/09/2021 29/09/2021 $1,994.98 NRA213588699
Kamarjith JAIN 28/08/2021 26/09/2021 29/09/2021 $2,290.00 NRU213588445
Rahul BONAGANI 28/08/2021 28/09/2021 5/10/2021 $2,185.00 SGW213593689
Javil NOE 28/08/2021 28/09/2021 1/10/2021 $2,190.98 SGX213592360
Harry GURNEY 30/08/2021 29/08/2021 1/10/2021 $1,989.98 NRX213596707
Gavaskar KAMAN 28/08/2021 29/08/2021 5/10/2021 $1,998.98 RAV213595827
Nitin POONIA 28/08/2021 1/10/2021 5/10/2021 $1,994.98 SGX213600336
Kunal SHAH 30/08/2021 2/10/2021 6/10/2021 $1,989.98 SGW213601033
Amer KAYAL 2/09/2021 3/10/2021 7/10/2021 $2,290.00 NRU213601559
Tripan JAIN 4/09/2021 4/10/2021 6/10/2021 $2,274.99 NRX213603629
Nazir RENUM 5/09/2021 5/10/2021 6/10/2021 $1,985.89 NRA213606317
Keyur KUMBHARE 5/09/2021 6/10/2021 8/10/2021 $1,996.94 SGX213606891
Tarak JALAN 7/09/2021 7/10/2021 12/10/2021 $2,267.90 NRU213610740
Abhi DARPAN 7/09/2021 7/10/2021 8/10/2021 $2,278.98 SGW213608995
Kushal SAHA 9/09/2021 8/10/2021 12/10/2021 $1,994.98 NRX213612839
Ann JOIS 10/09/2021 9/10/2021 13/10/2021 $2,244.99 NRA213613286
Chaitu VEDI 10/09/2021 10/10/2021 13/10/2021 $1,989.98 NRA213614007
Jay SAMUH 10/09/2021 10/10/2021 13/10/2021 $1,998.99 SGW213613737
Ashish MALVIYA 12/09/2021 10/10/2021 18/10/2021 $2,000.00 SGX213616566
Satya MURRAY 13/09/2021 12/10/2021 18/10/2021 $1,986.48 NRU213617938
Revan KAMATH 13/09/2021 12/10/2021 18/10/2021 $2,000.00 SGX213619130
Jie TANG 17/09/2021 14/10/2021 18/10/2021 $1,998.99 NRX213621830
Kranthi ROBIN 12/09/2021 14/10/2021 18/10/2021 $1,989.98 RAV213622178
Jain VEE 17/09/2021 15/10/2021 19/10/2021 $1,998.48 NRU213625759
Ashan KATHURIA 18/09/2021 16/10/2021 19/10/2021 $2,000.00 NRA213628356
Marcus FERNANDO 31/01/2022 6/03/2022 08/03/2022 $2,000.00 NRA223985567
Jacob LUME 8/03/2022 19/04/2022 26/04/2022 $2,000.00 NRA224100029
Pranay ANDE 14/03/2022 12/05/2022 23/05/2022 $2,000.00 NRA224149873
Jasse AHON 22/04/2022 25/05/2022 26/05/2022 $2,000.00 NRA224177405
Phani SOFAN 22/04/2022 1/06/2022 3/06/2022 $2,000.00 NRU224194126
Christian
MAYANYI
24/04/2022 8/06/2022 14/06/2022
$2,000.00 NRU224209295
Anvesh
VEERAMANENI
10/11/2021 14/06/2022 29/6/22 &
8/7/22 $2,912.00 RAV224220720
Alvin MAYEEK 24/04/2022 21/06/2022 23/06/2022 $2,000.00 NRX224236928
George LUE 27/05/2022 6/07/2022 11/07/2022 $2,000.00 NRU224270345
Paul KAMAN 27/05/2022 18/07/2022 22/07/2022 $2,000.00 NRX224297243
Shanmuk KANE 30/05/2022 26/07/2022 11/08/2022 $2,000.00 NRX224315684
Satya Sai Prasa
MANGALAPARTHI
27/02/2022 26/07/2022 03/08/2022
09/08/2022
10/08/2022
15/08/2022
$4,107.84
RAV224313593
Anvesh VEE 20/06/2022 1/08/2022 8/08/2022 $2,000.00 NRU224327771
Gerald NOE 30/05/2022 3/08/2022 09/08/2022 $2,000.00 NRU224334059
Srinivasa Rao
KARNA
26/02/2021 19/04/2021 29/04/2021 &
04/05/2021
$7,710.19 RAV213277364
Total $371,496.10
SCHEDULE C (charge 3)
COLUMN A COLUMN B COLUMN C COLUMN D COLUMN E
Insured Party Claimed Loss
Date
Claim Date Financial
Advantage Sought
Claim #
Anudeep Singh PATIA 31/05/2021 30/06/2021 $2,059.97 RAV213437085
Pavan JANI 27/09/2021 27/09/2021 $2,789.98 NRX213591179
Hamad RITAN 3/10/2021 3/10/2021 $1,989.98 NRA213601811
Revan ANDE 16/10/2021 16/10/2021 $1,791.00 NRU213628603
Revan KAMATH 17/10/2021 17/10/2021 $1,986.48 NRA213629514
Paul RIOS 18/10/2021 18/10/2021 $2,000.00 SGX213632666
Tej VEMULA 19/10/2021 19/10/2021 $1,990.98 SGW213634295
Shashank AYESHA 20/10/2021 20/10/2021 $1,984.89 NRU213637495
Rihan ANOOP 21/10/2021 20/10/2021 Unspecified NRX213642873
Ravinder NIPPU 8/10/2020 12/10/2020 $2,428.00 1-1-20-31-944352
Senthil FONSEKA 14/03/2022 14/03/2022 $2,649.98 NRA224016304
Lian SUE 16/04/2022 26/04/2022 $2,649.98 NRU224112787
Ron WAYE 28/06/2022 28/06/2022 $2,319.98 NRA224251520
James ARIA 22/06/2022 7/08/2022 $2,349.98 NRX224341587
Mason NAI 22/06/2022 8/08/2022 $2,319.98 NRU224344919
Total $31,311.18 - - -
0