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Lottery winner's lifetime of money gone in weeks

Florida LotteryFlorida Lottery: Lottery winner's lifetime of money gone in weeks

A few weeks before Thanksgiving, staff at the Loving Care assisted living facility in St. Petersburg realized something had changed in Malcolm Ramsey's life.

Relatives who had never paid much attention to Ramsey, 55 and mentally incompetent, suddenly started showing up in droves. Bulging bags from T.J. Maxx and Bealls filled his half of a tiny, shared bedroom. Boxes of new athletic shoes — Nike, New Balance, K-Swiss — towered against the wall.

Then there were the rumors that Ramsey had hit it big in the Florida lottery.

Ramsey's legal guardian got involved. So did St. Petersburg police, an adult protective services worker and, eventually, a judge. And slowly, the story came out.

Sometime in October, Ramsey had won "$500 a week for life" on a scratch-off Florida Lottery ticket. With the help of a cab driver, he had gotten an ID, a copy of his birth certificate and a ride to Tallahassee to claim the prize. He took it as a lump-sum payout — $403,288.

In barely four weeks, Ramsey blew through more than half the money, with little of value to show for it. He says he wanted the cash, but by taking it all he is in danger of losing the government benefits he has relied on to survive.

Judge Lauren Laughlin, who monitors Ramsey's guardianship, sees another problem: Why was there nothing to keep the Florida Lottery from handing over thousands of dollars to someone that a court found incapable of caring for himself?

"You clearly can't be giving this kind of money to people who have had the right to manage their own financial affairs removed," Laughlin says. "You would like it to be a Forrest Gump time, good for you, but not with $170,000 walking out the door in 30 days."

• • •

Malcolm Ramsey, grey bearded and missing most of his front teeth, can express himself but speaks in short sentences and a low, flat voice. He mowed lawns, washed dishes and worked in a warehouse before mental illness took hold and never let go.

Diagnosed with paranoid schizophrenia, Ramsey "doesn't take his medications (and) has been involuntarily hospitalized several times," an adult protective services officer wrote in 2002. "It is your petitioner's belief that Mr. Ramsey is incapable of caring for himself and/or his finances."

A judge agreed and appointed the nonprofit Aging Solutions to be Ramsey's guardian, responsible for paying his bills and monitoring his care.

Over the next few years Ramsey spent time in a state mental hospital and a group home before landing at Loving Care, an assisted living facility near downtown St. Petersburg. Independent enough to come and go as he pleases, he often walks the neighborhood and pokes through thrift stores. The Supplemental Security Income program covers his room and board and gives him a $54 monthly allowance.

Right across the street, Ramsey found a handy place to spend it, a Quick Pick gas station, whose $1.1 million in annual ticket sales ranks it among Pinellas County's busiest lottery retailers.

"He's a good customer," says store manager Ajah Shah. "No headaches, no hassle, just come, buy and leave."

Early last year, Ramsey won $1,000 on a scratch-off ticket. He took a cab to the lottery office in Tampa to get the money.

Ramsey then set his sights on a bigger payoff. For $1 each, he started buying scratch-off tickets with a grand prize of $500 a week for life.

"He was chasing that ticket," Shah says. "He used to buy that ticket all time."

One morning in early October, Ramsey bought a ticket as usual. He took it back to his room, sat down on his bed and started scratching. The last number — 7 — matched the winning number.

Ramsey says he put the ticket in a shirt pocket, hung the shirt in his closet and padlocked the door. A few weeks later he told Shah he had a winner.

"There was no emotion on his face at all," Shah recalls. "People normally are very excited, jumping around."

Ramsey wouldn't show the ticket to Shah. Instead he turned to Charlie Springer, a driver for Bat's Taxi who sometimes idles his cab at the Quick Pick when business is slow. Springer called lottery headquarters in Tallahassee to see what Ramsey needed to claim his prize.

With money borrowed from Springer, Ramsey rode a bus to Largo and got a copy of his birth certificate from the Pinellas County Vital Statistics Office. He used the certificate to get a new ID card from the Department of Highway Safety and Motor Vehicles. Springer loaned him another $50 to open an account at Wells Fargo so the Florida Lottery would have a place to wire the winnings.

Finally, at 3:30 a.m. on Oct. 30, they set off for Tallahassee in Springer's cab. At lottery headquarters, Ramsey presented his ID and a woman asked if he wanted his photo taken.

Ramsey said no.

"St. Petersburg man turns $1 into $500 a week for life," read the lottery's brief press release.

Ramsey and Springer returned home the same day. The round-trip fare: $1,500.

It took a few days before Ramsey's winnings, $302,446 after taxes, became available. Shah, the Quick Pick manager, says he counseled him to be careful with all that money.

Instead, Ramsey got a cashier's check from Wells Fargo for $302,466 and immediately cashed it at an Amscot store. Amscot charged him more than $14,000 in fees.

Ramsey took $19,678 in cash and 268 money orders, each for $1,000.

Then he started spending.

As an investigator would later learn, Ramsey cashed 21 of the money orders on a single day, Nov. 6. Almost every other day after that, he cashed multiple money orders, including the big shopping day of Black Friday, Nov. 29, when he got $8,000 and bought flat-screen TVs at Wal-Mart.

With Springer or one of his sisters driving, Ramsey also went to Tyrone Square Mall, the Ellenton outlet mall and the Wagon Wheel Flea Market, buying so many new clothes he had to get several plastic bins to hold them all. He also loaded up on $19.95 Timex watches for everyone in his family. "About 40 watches, I guess," he says.

It was the sudden appearance of Ramsey's relatives at Loving Care that prompted the facility to contact his guardian in mid-November.

"It was people who were around that had never been around before," says Lona DiCerb, director of operations at Aging Solutions, the nonprofit then in charge of Ramsey's care. "That's troublesome when family he'd never spoke of prior began coming around."

Although rumors swirled that Ramsey had won the lottery, he wouldn't reveal anything to an Aging Solutions manager who went to see him. The organization called St. Petersburg police, who, DiCerb says, initially declined to investigate on the grounds it was a matter for the adult protective services program of the Department of Children and Families.

When DCF's investigator also failed to pry any information from Ramsey, she too contacted police. On Nov. 23 — more than two weeks after Ramsey started his spending spree — they opened a case of possible exploitation.

"A lot of time was wasted," DiCerb says. By then, he had gone through more than $100,000.

The last to learn of Ramsey's windfall was Judge Laughlin. She was in her chambers at the St. Petersburg courthouse Dec. 3 when she had a call from the court clerk's office.

"I got suspicious when they told me he was downstairs with a pocket full of money," the judge says.

Ramsey had come to get a copy of his guardianship file, all 662 pages, which he paid for with $662 in cash.

From there, things moved rapidly. A St. Petersburg detective went to Loving Care, where Ramsey unlocked his closet and handed over $118,000 in money orders. The judge told the clerk's office to put them in its safe along with the $662 Ramsey had paid for his file.

Laughlin also assigned a court investigator to try to determine where the rest of the winnings had gone. Relatives acknowledged receiving new phones, a $1,500 timing belt for a nephew's car, cash gifts of a few hundred dollars. They said Ramsey also took them out to eat.

"Giving $300 here, $400 there, that wouldn't account for the amount of money that is missing," Laughlin says.

One sister, Gwen Ramsey, who lives in Clearwater, said it was "months" before she learned about Ramsey's win. Did he buy her anything?

"No, 'cuz I didn't know he had won."

At the St. Petersburg home of another sister, a woman hollered to a reporter: "Go away!"

As for Springer, the cab driver, he says he doesn't want to talk about helping Ramsey claim his prize.

"Ain't nothin' to talk about except the ride. Ain't nothin' spectacular."

• • •

Police are still investigating whether anyone took illegal advantage of Ramsey. Exploitation of the disabled or elderly is a felony punishable by up to 30 years in prison.

Both the judge and Aging Solutions' DiCerb think the Florida Lottery should be checking to see if a winner has been adjudicated incompetent, just as it checks to see if winners owe child support.

"I can look online in public records and see if someone is under a guardianship," DiCerb says. "I spoke to an attorney at the Florida Lottery who said they had no legal authority or responsibility to do so and I think that's shameful."

Laughlin said she might ask Pinellas County's legislative delegation to consider a change in the law.

"This brings to light one of the problems that can come up," she says. "I don't know how many times lightning can strike but you can't give these people that kind of money."

Had she known of Ramsey's winnings early on, Laughlin says she could have set up a "special needs trust" that would have allowed the money to be spent for his benefit — but not for other people — without jeopardizing his government assistance. As it now stands, Ramsey could lose his Medicaid, which pays his medical bills, and SSI, a needs-based program that covers his $1,000-a-month room and board and would pay for costlier nursing care he might need in the future.

"There are certain income and resource restrictions in order for you to be eligible for the benefits," says Patti Patterson, a Social Security Administration spokesperson. "So you can only have so much in the bank."

Is it too late to set up a trust with the remaining $118,000? Judge Laughlin has appointed a new guardian and "that's something he has to figure out," she says. "We're hoping he can."

• • •

Ramsey has little to say about his lottery windfall except: "They took my money." He doesn't think he has a guardian, doesn't understand that the judge was trying to help him.

He still spends his days trolling through thrift stores and crossing the street to the Quick Pick.

"Now he's chasing the $2,500 a week for life," says Shah, the manager.

Even though he's down to his $54 monthly allowance, relatives still come to see him, Ramsey says. On a cold recent day, he waited for one sister to pick him up at 1 p.m. so they could go to lunch. At 1:40, she still wasn't there so he walked over to the Quick Pick and bought a ticket.

He scratched it off in the parking lot.

Then he walked slowly back to Loving Care and Room 128, with its bags from T.J. Maxx and 23 pairs of shoes.

News story photo(Click to display full-size in gallery)

Tampa Bay Times

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83 comments. Last comment 3 years ago by Six balls.
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maringoman's avatar - images q=tbn:ANd9GcTbRxpKQmOfcCoUqF2FyqIOAwDo7rg9G-lfJLAALPGWJWwiz19eRw
United States
Member #37433
April 14, 2006
2747 Posts
Posted: January 10, 2014, 2:31 pm - IP Logged

Mr Malcolm Ramsey's story gets repeated so many times in so many ways that I have nothing to say. I hope he lives to tell the tale of how lack of planning and discipline can wipe out a fortune in record time.

That money's gone fo ever


    United States
    Member #122324
    January 29, 2012
    69 Posts
    Posted: January 10, 2014, 2:34 pm - IP Logged

    If nothing else I would like to see that Amscot that charged him more than $14,000 in fees investigated.    They had to know something was wrong with him.   That's just disgusting.

      RedStang's avatar - tallman zps6gf4inoc.jpg
      United States
      Member #121961
      January 21, 2012
      3159 Posts
      Posted: January 10, 2014, 2:34 pm - IP Logged

      I'm surprised he does'nt have a prison bed. If he can play lotto and go on spending sprees, it's obvious he's scaming the Government. I also thought it was illegal to receive a income while getting assistance.

        Lucky4Life's avatar - batman14

        United States
        Member #85037
        January 7, 2010
        253 Posts
        Posted: January 10, 2014, 2:46 pm - IP Logged

        I'm surprised he does'nt have a prison bed. If he can play lotto and go on spending sprees, it's obvious he's scaming the Government. I also thought it was illegal to receive a income while getting assistance.

        seriously? Obviously he is mentally impaired.  I don't think sending him to prison would do any good.  He would still be on the tax payer's dime.

          surimaribo24's avatar - photo11 zpsfffd70be.jpg
          United States
          Member #106371
          February 17, 2011
          9710 Posts
          Posted: January 10, 2014, 2:49 pm - IP Logged

          he should write a book about "what not to do when you hit big" . and he might be rich again.



            United States
            Member #128373
            May 22, 2012
            201 Posts
            Posted: January 10, 2014, 2:53 pm - IP Logged


            The lottery is NOT a tax on the poor.  By calling it a tax, you are calling it mandatory, which is what taxes are.  But the lottery is NOT mandatory, therefore calling it a tax highly inaccurate.

              Lucky4Life's avatar - batman14

              United States
              Member #85037
              January 7, 2010
              253 Posts
              Posted: January 10, 2014, 2:54 pm - IP Logged

              So everybody is thinking it so I will just come out and say it:


              Why, oh why, in God's name does the Lottery Fairy give it to this guy? All of us here are have laid out plans and lawyers picked out and trusts mentally prepared.  and this guy, who clearly doesn't know much more than how to bathe himself, wins it and buys ...SHOES?!?! 


              Maybe i'm just bitter.  I know some of you have heard me say it before....the market changed, my pay was cut drastically i'm back in school for a career change but i'm one medical emergency from losing my house.  With 400K i could have paid off my house, vehicles and put my kids through school.  Just makes no sense to me.  and kills me.  absolutely. kills. me.

                rdgrnr's avatar - walt
                Way back up in them dadgum hills, son!
                United States
                Member #73904
                April 28, 2009
                14903 Posts
                Posted: January 10, 2014, 3:04 pm - IP Logged

                All the hyenas who previously probably wouldn't give him the time of day were suddenly very concerned about his wellbeing.


                  malin1257's avatar - 8ball
                  Member #86174
                  January 30, 2010
                  37 Posts
                  Posted: January 10, 2014, 3:05 pm - IP Logged

                  Mr Malcolm Ramsey's story gets repeated so many times in so many ways that I have nothing to say. I hope he lives to tell the tale of how lack of planning and discipline can wipe out a fortune in record time.

                  Can you read?  The gentleman is "mentally ill".  Diagnosed with paranoid schizophrenia  People wanting so much to win the lottery have utterly become unglued in their thinking.   Reasearch the illness and you might become aware of how it works and not come off sounding  STUPID.

                    Lucky4Life's avatar - batman14

                    United States
                    Member #85037
                    January 7, 2010
                    253 Posts
                    Posted: January 10, 2014, 3:06 pm - IP Logged

                    All the hyenas who previously probably wouldn't give him the time of day were suddenly very concerned about his wellbeing.


                    very sad all the way around.   I really feel bad for him losing his benefits due to this.  I bet none of the losers that took watches from him will be willing to let him stay with them

                      savagegoose's avatar - ProfilePho
                      adelaide sa
                      Member #37136
                      April 11, 2006
                      3316 Posts
                      Posted: January 10, 2014, 3:06 pm - IP Logged

                      even the judge wanted to maintain his acess to benefits!

                      2014 = -1016; 2015= -1409; 2016  = -1171; 2017 = ?  TOT =  -3596

                      keno historic = -2291 ; 2015= -603; 2016= -424; 2017 = ? TOT = - 3318

                        RJOh's avatar - chipmunk
                        United States
                        Member #9
                        March 24, 2001
                        19900 Posts
                        Posted: January 10, 2014, 3:28 pm - IP Logged

                        All the hyenas who previously probably wouldn't give him the time of day were suddenly very concerned about his wellbeing.


                        Typical kin folks, always more concerned about your finances than your health especially if you're too kind to tell them to go to hell.

                         * you don't need to buy more tickets, just buy a winning ticket * 
                                     Evil Looking       

                          noise-gate's avatar - images q=tbn:ANd9GcR91HDs4UJhjxO7cmeMQWZ5lB_FOcMLOGicau4V74R45tDgPWrr
                          Bay Area - California
                          United States
                          Member #136477
                          December 12, 2012
                          4145 Posts
                          Posted: January 10, 2014, 3:38 pm - IP Logged

                          $14, 000 in fees? That's excessive.
                          No sooner do parasites see an Elderly person with money and the fleecing begins, mental issues or not.

                            s5thomps's avatar - Lottery-033.jpg
                            Hard Luck, Ak
                            United States
                            Member #23472
                            October 13, 2005
                            279 Posts
                            Posted: January 10, 2014, 3:42 pm - IP Logged

                            No Pity!This guy obviously has some mental problems. Why would he pay 14,000.00 to have a  Well's Fargo cashier's check cashed??? That is just plain INSANE!! He should have left the money in his Well's Fargo account and purchased his 1,000.00 dollar money orders at a fraction of the cost. Which also makes me wonder why he felt the need to purchase all those darn money orders in the first place???? Like Forest Gump used to say "Stupid is what Stupid does!" No one to blame but himself!

                            "We make a living by what you get, You make a LIFE by what you give!"

                                                                                           Sir Winston ChurchillSun Smiley