Angie

STM FIDECS QROPS and Trafalgar Multi Asset Fund Disaster (Suspended)

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Trafalgar Multi Asset Fund – DISASTER. “Gibraltar is a highly regulated and transparent jurisdiction, coupled with the benefits of a Gibraltar-based regulatory regime.”  Well, we will see won’t we!! STM is now writing to their distressed members who are invested in the suspended £20 million Trafalgar Multi-Asset fund.  STM are stating: “All members who invested […]

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Government Consultation on Pension and Investment Scams (The Square Mile)

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https://www.gov.uk/government/consultations/pension-scams/pensions-scams-consultation So what makes a pension or investment scam?  Unfortunately, the scammers don’t wear “I’m a fox” teeshirts, and the victims don’t know the questions to ask and even if they did, they probably wouldn’t understand the answers. Only by looking at individual case studies can the public learn what to look out for –

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“Action Fraud are nobody and have no authority”: John Ferguson, Square Mile Financial Services

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John Ferguson, Square Mile Financial Services http://www.lillywhiteint.com/about-us.html I am worried about the whereabouts of John Ferguson of Lillywhite International and Square Mile Financial Services (Czech Republic).  The last I heard he was boarding a long-haul flight on 23rd November 2016 to an unknown destination.  His solicitor assured me Mr. Ferguson would get back to me

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Three words about pension scams

Three words about pension scams

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Can I have a word please?  In fact – can I have three words? free loophole sophisticated Now, these are not just any old words – they are the keys the scammers use to unlock victims’ savings and make huge amounts of money out of destroying innocent people’s retirement income: http://www.professionaladviser.com/professional-adviser/feature/2441535/revealed-the-top-three-watchwords-in-pension-liberation-scams Let´s look at these

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The Scorprion Campaign and Henry Tapper

Scorpion Campaign and Henry Tapper

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The Scorpion Campaign was the Pensions Regulator’s attempt to warn the public and the industry against pension liberation scams.  It wasn’t a bad try, but it failed.  It was a bit like trying to stop a herd of stampeding elephants with a whoopee cushion. Henry Tapper, pensions actuary and dedicated blogger on pensions, posted this:

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Justice Morgan’s Mad Mistake: Donna-Marie Hughes and Royal London Mutual Insurance Society

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JUSTICE MORGAN’S MAD MISTAKE (IN THE HIGH COURT OF JUSTICE, CHANCERY DIVISION) This judgement makes the law not just an ass, but a whole herd of donkeys. Dear Justice Morgan I refer to your judgment in the matter of Donna-Marie Hughes and Royal London Mutual Insurance Society Case Number CH/2015/0377 on 19th February 2016.  

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Dalriada Standstill Agreement for Ark Scheme Victims

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The 487 Ark victims have gone through pure hell since the Pensions Regulator appointed Dalriada Trustees to the Ark schemes. First they discovered from Justice Bean in the High Court that the scheme was a “fraud on the power of investment” and then they discovered that HMRC were going to try to tax loans at

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Incartus Investment Pension Scheme – in the hands of Dalriada Trustees

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Incartus Investment Pension Scheme has been placed in the hands of Dalriada Trustees by the Pensions Regulator.We’ve seen some horrendous pension and investment scams, but until Dalriada completes the investigation into this scheme, we won’t know how bad this one is. When I first published my blog on Incartus, the scheme’s solicitors, CANTER LEVIN & BERK,

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KJK Investments Scam Pension Schemes

KJK Investments and G Loans Pension Liberation Scam

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HOW THE KJK INVESTMENTS AND G LOANS PENSION LIBERATION SCAM WORKED Members were told their pensions would be transferred into a SIPP managed by Corporate and Professional SIPP providers and a separate loan would be arranged through G Loans which was certified to be non-taxable by Optimum Tax Solutions.  Now the victims are facing 55%

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Windsor Solutions Scam Pension Scheme

Windsor Pensions Pension Liberation Scam

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THE WAY THE WINDSOR PENSIONS PENSION LIBERATION SCAM WORKED Members were persuaded to transfer their pension into a QROPS and with a hefty transfer fee of at least 10%.  The rest was liberated with no attempt to even try to clock the transaction in a “loan” vehicle.  In fact, the transfers never went anywhere near

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ANOTHER Scam Pension Scheme Westminster

Westminster Pension Scam – R. P. Medplant

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HOW THE WESTMINSTER PENSION SCAM WORKED The Westminster pension scam was administered by Stephen Ward among others. Same sponsoring employer as Capita Oak i.e. R. P. Medplant Ltd. Cyprus.  Same transfer administration spreadsheet using the same colours, spelling mistakes, names etc.  The trustee of the Westminster pension scam was Thames Trustees. The trustee of the

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Pension Life Blog - Salmon Enterprises Scheme Pension Scam

Salmon Enterprises Pension Scam – how it all worked

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SALMON ENTERPRISES PENSION SCAM – THE WAY THE SCHEME WORKED James Lau, allegedly a financial adviser with Wightman Fletcher McCabe operating from an office in the Regus building, Great Pultney Street, Bank London. Lau explained the Salmon Enterprises pension scam to clients using a series of diagrams that members could release funds from a pension

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PENNINES: A PENSION SCHEME SCAM

Pennines Pension Scam: How it worked

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THE WAY THE PENNINES PENSION SCAM WORKED Members were targeted by “Cash From Pensions” and persuaded to transfer into Pennines to get an “unconnected loan” once they had transferred into the Pennines scheme which was invested in Hedge Capital.  The scheme is now in the hands of Dalriada Trustees. There were around 143 victims with

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Pension Life blog - Scammers are criminals, so why are they not being prosecuted?

London Quantum Pension Scam: How it worked

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HOW THE LONDON QUANTUM PENSION SCAM  WORKED The London Quantum pension scam was the brainchild of Stephen Ward.  Ward’s firm Dorrixo Alliance was the trustee and administrator of the scheme.  Dorrixo was also trustee for a number of other pension liberation scams such as Headforte and Southlands which were used for “loans” when Evergreen got

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evergreen a stephen ward pension scam

Evergreen QROPS Pension Scam and Marazion Loans

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EVERGREEN RETIREMENT TRUST QROPS PENSION SCAM AND MARAZION LOANS THE WAY THE SCAM WORKED When Ark got shut down in June 2011, Stephen Ward flew to New Zealand and set up the Evergreen NZ QROPS liberation scam with Simon Swallow of Charter Square.  Ward also set up a “loan” company in Cyprus called Marazion.  He

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How the ARK Pension Scam worked

ARK Pension Scam: How it worked

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ARK PENSION SCAM – THE WAY THE SCHEME WORKED: Six “occupational” schemes were used: Lancaster; Portman; Cranborne Star; Woodcroft House; Tallton Place and Grosvenor Parade.  Each scheme had to have less than 100 members to stay under tPR’s inspection radar.  Member A would transfer their £100k pension to – say – Lancaster; Member B would

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Pension Regulator Trustee Toolkit

The Pensions Regulator: Updated Trustee Toolkit

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The Pensions Regulator is a UK body set up to regulate and aid occupational pensions. They follow legislative criteria and work to improve the administration of work-based pensions. They are a valuable resource for all parties involved with pensions; trustees, employers, pension specialists and business advisers. Their latest innovation is the updating of their trustee

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PENSION FRAUD HMRC LIBERATION TAX 55

Edward Troup HMRC’S Role in Six-Year Pension Liberation Fraud

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Edward Troup                                                                                                                                                                    11th March 2016 Chief Executive’s Office HM Revenue & Customs 100 Parliament Street London SW1A 2BQ   Dear Mr. Troup HMRC’S ROLE IN SIX-YEAR PENSION LIBERATION FRAUD Congratulations on your appointment as head of HMRC.  I am sure you will have a great deal of work on your plate cleaning up the

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HMRC PENSION LIBERATION TAX

HMRC Pension Loan Wolf

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HMRC Pension LOAN WOLF   I am writing to explain the rather confusing “assessment” and “further assessment” appeal situation in relation to HMRC’s “pension loan wolf” situation.  Although this is specifically aimed at the Ark case, it will also apply in most – if not all – other cases.   In a nutshell, the assessments

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Pennines, Malvern and Mendip pension investmentschemes

Pennines and Mendip Pension Liberation Scams

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£19m worth of Pensions from 476 people lost though two schemes – Pennines and Mendip.   Pennines and Mendip: Hedge Capital Investments Ltd, Hedge Capital Investment Group Plc and Hedge Capital Ltd were introducers or the financial advisers who proposed the schemes Pennines and Mendip as suitable schemes for 476. The end result was that

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KJK Investments Ltd. & G Loans Ltd. Another Pension Scam Revealed

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Pension scams have been a very clear and present danger since large-scale pension liberation fraud was unleashed on British pension holders on A day. Victims lose a life time of savings and face onerous unauthorised payment tax charges of up to 55% by HMRC. The latest one to come to our attention is a pension

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A day started pension scams with pension liberation

A Day – a Starting Point to Understanding How you got scammed out of Your pension

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A DAY – The WHEN, WHAT, WHO, HOW, & WHERE Pension tax simplification, often simply referred to as “pension simplification” and taking effect from A-day on 6 April 2006 was a policy announced in 2004 by the Labour government to rationalise the British tax system as applied to pension schemes. The aim was to reduce the complicated patchwork of legislation built up

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Pension liberation transfers morgan high court decision

Pension Transfer decision from Ceding Provider to Pensions Ombudsman to the High Court

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Pension Transfers are the cornerstone of pension scams.  We expect to be looked after by the law, the large financial institutions and the government institutions such as ombudsmen but when they disagree our best interests often form the debris of the squabble. If you have saved for a pension, worked for years and years earnestly

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Protected Assessment from HMRC to Pension Liberators

HMRC Protected Assessment

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Protected assessment: this is what thousands of pension liberation scam victims are receiving:     Pension Schemes Services Fitz Roy House Castle Meadow Road Nottingham NG2 1BD PHONE 03000 564567 WEB www.gov.uk Date 02 March 2016 Our Ref: UTR 99999 00000/XX/YYY – Ark Dear Mr. J D ARK PENSION RECIPROCATION SCHEMES TAX LIABILITY  – year

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The Pensions Ombudsman decision ot reject a pension transfer is squashed by high court

Justice Morgan Disaster

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The Justice Morgan Disaster was a real setback for justice for victims of pension scams and emasculated the pensions ombudsman.  Shame on the High Court. Judgement in the matter of Donna-Marie Hughes and Royal London Mutual Insurance Society Case Number CH/2015/0377 on 19th February 2016 In the High Court of Justice, Chancery Division Letters to:

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Royal Mail Accredited as Pension Trustees

No PASA Nada? Discrediting Occupational Pension Schemes.

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PASA is discrediting occupational pension schemes.  On the 28 January 2016, PASA (Pension Administration Standards Association) issued a press release. They were pleased to announce that they wished to award Royal Mail with their accredited standard. Basically meaning that PASA considered Royal Mail, as a trustee for thousands of pensions, to be worthy of PASA’s

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Women Against State Pension Inequality Campaign

WASPI Debate in Parliament 7th January 2016 With Mhairi Black

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Parliament debated the WASPI issue at the beginning of 2016.  The culmination of months of hard work by the WASPI (Women Against State Pension Inequality) campaigners finally arrived on 7th January 2016. Mhairi Black (SNP MP for Paisley and Renfrewshire South) asked the Government to introduce “transitional arrangements” to help the hundreds of thousands of

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ArkScheme2015

The 2015 Ark schemes’ accounts

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Now that the Ark scheme accounts are audited and published on the Dalriada website, I have summarised them below and also attached the summarised spreadsheet separately.  You can view each individual scheme’s accounts for yourself here: http://dalriadatrustees.co.uk/ark/ The most notable features are: 1. HMRC have issued demands on the scheme itself in the form of a

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Your Pension Minister Ros Altmann – Westminster Job Centre

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On a rainy Tuesday, we wiggled our way round the back of Westminster Cathedral to the DWP which houses Pensions Minister Ros Altmann and also Work and Pensions minister Iain Duncan-Smith.  As it turned out, it also housed a security guard called “Babs”.  We were a trio from Ark Class Action which represents victims of

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Pension Liberation “Loans”

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Email to Michael Bridges, Compliance, HMRC from Angie Brooks, ARK Class Action – re pension liberation loans.   11 November 2015 Dear Mr. Bridges, Re: Pension Liberation “Loans” Thank you for calling me yesterday and for discussing the various aspects of the pension transfers and “loans”.  Some important points arose from our discussion, and I

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Pension Liberation Costs

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Pension liberation fraud costs victims £millions every year.  It ruins lives and causes desperate poverty in retirement.  But the situation is made far worse because the State has badly miscalculated how much it will cost to support these victims for the rest of their lives.  The amount of tax actually collected will be far outstripped

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CAPITA OAK PENSION SCAM

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Capita Oak pension scam: Imperial accounts 23.1.15 Ark Class Action 24 Calle Cuatro Esquinas, Lanjaron 18420, Granada, Spain angiebrooks@pension-life.com angiebrooks99@gmail.com 0034674746663 (mobile) 0034858995645 (landline) www.pension-life.com   Roger Chant, Director – Imperial Trustee Services Ltd.                                            

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BBC News England – Meet the pension liberation fraud victims.

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BBC Inside Out investigates a new cold-calling practice involving pension liberation fraud which is taking place across England. Click here to watch video Pension liberation fraud has been reported widely in the press, on t.v. and on radio for several years.  The Inside Out documentary showed how easily victims are scammed by the teams of

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