01516680386

The whole industry changed Joe...
All the existing providers became more and more aware of pension liberation and asked for more and more info on transferring  out of their schemes...this was across the board not just two schemes....granted,some companies some more than others

Would you like me to put both spreadsheets (redacted) onto a public blog so that everyone can see them?  I have said it before and I will say it again (in caps in case you can't read lower case) WARD, FOWLER, SALIH, PERKINS WERE BEHIND BOTH CAPITA OAK AND WESTMINSTER.  Imperial was the Administrator because that is what went on the trust deed.  Never mind the HMRC registration - that's just another fraud (which you have now kindly admitted publicly - so don't think Perkins, Fowler, Salih and Ward will be sending you a xmas card this year).  Yes, I pleaded for you to cooperate and help rather than publicly refusing to help.  And I will continue to do so as many times as I have to.  Remember, your refusal to work with me is documented every step of the way - both privately and publicly on this forum.

Put whatever you like on a public blog site, you uppity cow. I have documented all your drivel thus far and will happily publish that online too.

"Continuing" to be active suggests you ever started - and there is no evidence of that.  You have been claiming since October to be "doing everything possible" to get to the bottom of Capita Oak, and surely the first thing you should have done was to get the records from both Metis Law and Store First?  I sent you the accounts which were based on Salih's/Imperial's records AND Metis Law's records but you have ignored them and omitted them from the financial statements you sent out.  This means your "accounts" are completely misleading because they left out 280,670.78 of costs authorised by Imperial and disbursed by Metis Law.  Plus you have not explained the 100k to Thurlstone or the extra 10k paid to Payne when the bank accounts got frozen.  You haven't explained how the Thurlstone 5% loans worked or where the money came from - it had to come from somewhere, as it certainly didn't come out of thin air.  5% of 10.8 is 540k - so did it come out of the kickbacks Imperial got from Store First?  We need an answer.  If Perkins won't tell you ask Fowler - his email address is fowlerpts@gmail.com - and don't stand for any old flim flam about he doesn't know or can't remember.  If his memory is cloudy just remind him what he wrote to Hadley on 21.9.12 "Once the transfer payments have been received into the CO scheme account, Bill and his team will then make arrangements for those monies to be applied in the agreed manner.  Essentially, this will involve the application of monies into the selected investment vehicle and arrangements for the loan facility."

Arent the police's economic crimes unit now investigations unit on the case now. And is that the unit at city of London at Bishops Gate.

If thats the case have they interviewed any person yet ?
If that is the case cant they acquire all bank and othere statements they need !

in all honesty if they are they will be looking to get criminal convictions to all thats involved...

That wasn't Downs.  No caps, no spelling or punctuation mistakes.  In fact perfect English - the only one of the fraudsters I have ever seen write that way is Fowler.

Nonsense . All trumped up - by you - and full of emotive claptrap . There is nothing misleading here,except for your "continuing" drivel .

How DARE you critique my language . Windbag,get down off your high horse .

17.10.13 - Fowler to Perkins: "Bill & Co did arrange for 100,357 to be transferred to Metis as a commission payment but as the agreed commission rate is 2% this does leave us with a shortfall of 116,000.  I appreciate that the last "bit" of this may have been trapped in the account (and therefore nobody has had fees from it) but we are seriously short as the agreed commission was 2% out of a 5% fee on the first 10m of transfers." and "Bill, I had a call from Tom, and also James just now.  The new Imperial director is Maria Jina Preciosa Orolfo.  Her UK address is 94 Beechcroft Road, London SW17 7DA.  I think we (Chris/Sarah) probably have online access to Companies House.  Please can we arrange to make this above appointment, thanks."

Hope that helps the memory problems Alan.

Hardly a smoking gun , Sherlock .

On the issue of who appointed Dunlop, you need to look at the relationships between all of the parties. There is some overlap but really there are three completely separate groups:

The people at Storefirst (Whittaker in the main - barely connected with the scheme other than being end recipient of the cash)
The introducers / recruiters (Stuart Chapman-Clark's businesses, including Mike Talbot, probably also included Tom Biggar and James Hadley as they used the Goodlass Road phone number and Biggar was described as "head honcho")
The administrators (Payne, Perkins, Ward)

Not all of these people know each other.

As to who set it up, well Fowler was providing legal advice to Hadley. All of the indications are that the original idea came from Hadley or someone advising or controlling him. Although Ward had previously been involved in the New Zealand QROPS situation his role in Capita Oak was the paperwork of processing transfers. I really think Ward is a red herring. He is not at the top of the tree.

Karl Dunlop is a personal friend of Hadley and they shared the same business address at one time. It seems likely that Hadley appointed Dunlop as he is thought to have appointed Burton and Orolfo. I think Dunlop is from Liverpool originally. He was appointed as a director of Imperial on 19/11/12 and resigned on 10/06/13.

These dates normally reflect the dates in the minute books of the company not the date the forms were received at Companies House. The first transfer to Metis Law was one day after Dunlop's appointment. **If I am reading the information correctly** (and I am happy to be corrected).

The scheme as original set up was designed to extract as much as possible of the value of people's pension funds so they could have access to it now. This was clearly at a high cost. The biggest of these was having to buy an asset of similar value and put it into a SIPP. These were unlikely to have any real value and didn't really need to if the members were getting the cash up front.

Some people seem to have been sold the scheme as a way of getting a higher return rather than liberating their money. This might have been a way of marketing it to more people. In that scenario the end destination for the investment becomes much more important.

At some point a decision was made to invest in Storefirst and the only connection there is that Biggar and possibly Hadley were involved in something at the 0151 number this whole forum started with. Somehow Talbot, Chapman-Clark and Hadley came across each other and decided to invest in Storefirst (or Hadley was persuaded to). Which then gets us back to who is behind Trans Euro. I think the answer to that question will answer a lot of the other ones people are asking.

The bottom line is that there should be a mandatory requirement for independent financial advice for all pension transfers. This is the minimum we need to prevent this sort of thing happening again.

Use of dashes rather than commas. Hmmm.

Give Brian a call.  Stop all this messing about and give us some transparency and honesty.  All Brian is doing is giving the victims false hope and using delaying tactics.  First he promised proper accounts and the results of his investigations.  He failed.  He hasn't obtained any information whatsoever to help retrieve the pensions.  You fraudsters know where the 1.6m Capita Oak income is and the 3.3m missing in Westminster.  You know it is all going to come out and you would be much better to come clean now rather than continuing to duck and dive like common hoodlums.  You have deliberately defrauded at least 500 members in CO and Westminster - although there will undoubtedly be more scams as well.  If Payne has received death threats, you put him in that position.  You bunch of fraudsters have lied, cheated, scammed, stolen and deliberately put hundreds of people's pensions at risk.  So enough of the insults - tell Downs everything and let him emerge from this unholy mess a hero.  You lot are all going down - so don't take him with you.

Fowler has stated that the investment "vehicle" for Capita Oak was the subject of counsel's advice so he would have been involved in the decision to invest in Store First.  He has clearly been in close contact with Hadley all along.  The people working for Perkins/Fowler are terrified - they are all being threatened with dire consequences if they "talk".  It is inconceivable that Perkins and Fowler were not involved in the Store First "deal" for the commission and rent paid to Transeuro.  I think Perkins is stringing Downs along, but the poor old chap is too dim to see it.  Am not sure I agree with you about Ward and Salih though - they only earned 75k out of Capita Oak and would certainly have negotiated a slice of the Transeuro "takings" somewhere along the line.  Ward and Fowler work together very closely as Fowler has "advised" Ward on previous scams so the 2.94 million introduction commission and the 1.6 million rental income from Store First would certainly have been a hot topic between them.

Well what the people who are afraid to talk should take into account is the fact that they will also be tarred with he same brush and subsequently convicted along with the rest of them, so their best course of action is to go to the authorities and tell the truth as to who is behind all this? The longer they refuse to act the harder it will become to justify their innocence. And as usual Mr Downs can comment on here and have a slanging match but refuses to answer my email and questions I asked?

Not Avacade......you have it once again, you have it 100% spot on...
Maybe this time we can ALL stick to this train of thought.....

You are absolutely right John.  One of Stephen Ward's employees left because she was so disgusted at the hundreds of victims he was forcing her to sign up to his various liberation scams.  One involved 326 expats living in Spain whose pensions were transferred to Evergreen (Marazion loans of 50%) and now 41% of their pensions are "unaccounted for".  He subsequently threatened her, of course.  And now the remaining staff are terrified but a couple of them are keeping me in the loop.  All the staff of the fraudsters are watching this page in fear and loathing of their masters, but I think they should all be aware that by helping their employers they themselves will also be guilty.  "Just carrying out orders" didn't work in WWII and it won't work with Capita Oak and Westminster and all the rest.  There will be a day of reckoning, and it is going to come sooner rather than later.

I am not convinced that Perkins had anything to do with the decision to invest in Storefirst or that he benefited in any way from it. He does not seem to be related to the Liverpool crew at all. He received a fee for administration.

What we do know is that TW was involved in a previous pension review business. Talbot and SCC worked on the sales side of his previous property business and would have been aware of the potential this had. They then went out on their own generating pension review leads which they then sold to various companies. It is not inconceivable that Hadley came across them when he was looking for sales leads for the Capita oak scheme and this is how that relationship was established.

Hadley has some previous experience of overseas trusts and overseas companies. Hence knowing how to get nominees from Dubai. This could have been useful.

My advice is to follow the money, especially the 30% commission from Storefirst.

Has anyone pulled the Cyprus Companies House file for RP Med Plant? I was quoted 70 euros and couldn't really justify it. There is probably nothing in it of interest, but you never know. I think it might be a religious or charitable entity, but I don;t think it has ever traded.

"Fowler has stated that the investment "vehicle" for Capita Oak was the subject of counsel's advice so he would have been involved in the decision to invest in Store First.  "

Not necessarily. You don't know if this was the original proposed investment vehicle (a CISX listed stock) or Storefirst that he had referred to Counsel.

As a liberation scheme it worked - there was no need for the final destination investment to be worth anything as long as it could be valued at the transfer value when it went into the SIPP. People who needed the cash now would probably have been OK with the high cost of doing so (lets leave aside the tax ramifications which they did not know about at the time).

Where it all went wrong was when they started using leads from SCC's review web sites to sell the scheme to people who were looking for a better return in the long term by transferring from properly managed investment funds or secure schemes like the Post office, Army or NHS (as we have seen examples of).

What gets me is the stalling on the valuations nobody as put any argument forward which would justify the delay, in my opinion there can only be 2 reasons
1. The full amount of pods was never purchased
2.Metis law is either owed money,or never completed properly,either way I think Metis won't be trading after all this.