Melissa Caddick sent a potential customer a cheery hello on Facebook and made small talk about her lavish overseas holiday – before trying to lure them into her web of financial misappropriation.
Facebook messages reveal how the accused fraudster approached potential investors so she could allegedly rort millions from them in a Ponzi-style scheme.
Acquaintances of the missing woman and court filings have spelled out how exactly how Caddick would woo potential clients, even offering to meet up for a meal to win their business.
‘Would love to see you,’ the vanished Dover Heights woman told one possible client in December 2014, according to leaked texts.
‘Let me know when you are free – even dinner after work/weekend.
‘Will talk to you about what I do, service offer (sic) and fees,’ she said before adding reassuringly: ‘It’s very transparent.’
Melissa Caddick (above with her current husband Anthony Koletti) told a potential investor that her business was ‘very transparent’. She is now believed to have been on the run for close to three months following a raid on her home by the corporate regulator ASIC
Suspected runaway conwoman Melissa Caddick sent these messages to an acquaintance interested in her business back in 2014. Caddick’s reference to ‘today’s events’ is to the Lindt Cafe siege in Martin Place. The customer did not invest with Caddick
Caddick’s house-husband Anthony Koletti at the family’s $6.2 million home in Dover Heights this past week. A detective made some telling remarks about his
Caddick is a subject of growing public fascination, with police recently taking the extraordinary step of revealing details of their discussions with her husband, the unemployed DJ and hairdresser Anthony Koletti, about her mysterious disappearance. He’s not suggested to have played a role in it.
Caddick vanished from her $6.2million Dover Heights home shortly following a raid by the Australian Securities and Investment Commission in early November. She hasn’t been seen since, leaving behind her teenage son, husband, elderly parents and a ballooning list of aggrieved alleged victims.
Daily Mail Australia can reveal how Caddick’s alleged trickery was hiding in plain sight, with associates sharing the initial info-pack she initially emailed to possible customers.
The financial services guide outlines how her business allegedly worked and her apparent qualifications and experience. The seven-page document looks legitimate, but doesn’t stand up to basic scrutiny.
The Australian Financial Services Licence number Caddick repeatedly uses in the document actually belongs to another Sydney advisory firm, the corporate watchdog has alleged in court.
A potential client could have found that out if they had punched the number into a register publicly available online.
Caddick is accused of using another woman’s Financial Services Licence number. The fact the number did not belong to her can be verified with a simple check via a public register
Police are treating this footage, captured during the raid on Caddick’s home office in mid-November 2020, as her last confirmed sighting
In court documents, the corporate regulator ASIC alleges that Caddick was allegedly fraudulently using the licence, having taken it from another adviser she had once apparently worked with an ING more than a decade ago.
Likewise, in the financial services guide document, Caddick describes herself as a CFP – industry jargon for a ‘Certified Financial Planner’.
But her name doesn’t come up in in the Financial Planning Association’s ‘find a planner’ search engine, which is freely available online.
‘She is … not a member of the Financial Planning Association of Australia (FPA),’ said the organisation’s CEO Dante De Gori in a statement.
Nor is she a registered as a financial planner on a separate register kept by the Australian Securities and Investment Commission.
In the newly unveiled document, Caddick boasted of her alleged 13 years’ spent as a financial adviser and her qualifications, including a Masters of Business.
She said her company would charge a 0.75 per cent fee each year clients’ money was invested with her. A $1million investment would result in a $7,500 annual fee.
Her documents boasted about Melissa’s alleged 13 years spent working as a financial adviser but included typographical errors, such as the above. She also made claims to be a Certified Financial Planner – but her name doesn’t appear on publicly available registries
Mr Koletti has kept mum about his wife when approached by media in the months since her disappearance. The lead detective in the investigation has said Mr Koletti is behaving differently than spouses often do when their partner goes missing
MELISSA CADDICK’S HUSBAND BEHAVING ‘DIFFERENTLY’: POLICE
A lead detective investigating Melissa Caddick’s disappearance has said her husband Anthony Koletti didn’t behave in the way a spouse typically would after their partner goes missing.
Detective Inspector Gretchen Atkins told 60 Minutes on Sunday that Mr Koletti’s behaviour was ‘slightly more restrained.
‘He isn’t always ringing us, which is different to what we would normally see,’ she said.
‘He’s doing what he can to assist us when we ask for help. I think he’s struggled to be what you would expect … to be proactive.’
Mr Koletti told investigators he assumed his wife had gone for a walk in her activewear at 5am on November 12, but left her phone, wallet and keys behind.
It was 30 hours before he reported Caddick’s disappearance to police.
‘(Mr Koletti) thought she just might have gone somewhere and would come back. It was unusual,’ Inspector Atkins said.
Daily Mail Australia does not suggest Mr Koletti has any involvement in his wife’s disappearance.
Incredibly, Caddick’s info pack even spelled out what customers could do if they weren’t happy with the services she provided.
They could complain to her in writing, or – in what could be described as a breathtaking act of brazenness – she supplied details of how to contact ASIC or the financial standards ombudsman.
The prospective client was invited to come see Caddick.
‘She mentioned meeting up, if I was interested in going ahead.
‘I said I wasn’t so I never heard anything further from her.’
Several clients only realised in recent months that little of what Caddick had been telling them for years was allegedly true.
Cheryl Kraft Reid, a long-term client of Caddick’s, told Daily Mail Australia she and her wife Faye invested with the missing woman. Her family had known Melissa for 25 years.
The couple handed over $800,000 in superannuation to Caddick to invest five years ago.
Immediately following her sudden disappearance, Ms Kraft Reid said she and her wife Faye were only concerned about what had happened to Melissa.
It only sank in that something was wrong when media reports noted Caddick’s disappearance followed a raid on her home by the corporate regulator.
Ms Kraft Reid called CommSec, the share trading arm of the Commonwealth Bank, and learned the account number Caddick had provided her with allegedly wasn’t real.
Since Caddick went missing, Ms Kraft Reid has comprehensively reviewed records of their dealings.
‘We’ve been through every email, every report, and there’s heaps we didn’t see,’ she said.
‘Some stuff we picked up and went back to Melissa, but she explained it away. But there were other things we just didn’t see.
‘And in hindsight, we didn’t look too closely because it’s Melissa.’
Anyone with information about Melissa Caddick’s disappearance is urged to contact CrimeStoppers on 1800 333 000.