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The Informed Investor began publishing from offices at 13 Nottingham Place, London, W1 ( See Picture Left) in 1972. It started as a printed publication for Drummond & Co offering Investments and Insurance. Long before today's regime in regards commissions Drummond & Co pioneered discount  selling of  Linked Insurance and Unit trusts- splitting the commissions with the purchaser. Many in the Industry condemned this and many leasing Insurance Groups refused to take their business. Most of those companies have gone out of business today & Drummond & Co are recognised as the Company that led the way. Today 40 years later Drummond & Co still lead the field in Financial Innovations and have advised both the public and professionals.
As Financial Commentators the Informed Investor have, over the years, Informed Investors about dangerous offers and Financial mis-doings sometimes years before the scandals broke.




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Wealth warning to H.M.Government

All this debate about tax avoidance is HMRC scaremongering. There are many tax avoidance schemes they promote themselves like National Savings, ISAas, & Pensions.
  Some of the top Institutions like guilds, Colleges, Universities and Ministries  avoid tax by investing in cellars full of fine wines which are always valued at the cost price.  If they believe it is illegal then legislation must be passed otherwise it must be allowed.  There should be NO grey areas where some schemes are sometimes allowed and at other  times are not! Even the partially nationalised Royal Bank of Scotland uses Capquest - a gompany that avoids UK Taxes but operates in the UK gollecting and buying debts.


We are pleased to announce a new service for disgruntled consumers.  We have recently obtained judgments against both telephone and internet providers who have taken money from Consumers for Services they have unilaterally withdrawn and not provided but charged for.  Under English law this is breach of contract and the courts have agreed as those companies have failed to give "consideration" to the customers for that which they have charged.   As this is common practice we are now offering a service to recoup such fees in similar cases. Check your bills to see if you have fallen victim to such corporate activity. The biggest culprits are  within the telephone, internet and television subscription providers.

These  judgements have been given on "consideration" having not been given.
"Consideration in English law is one of the three main building blocks of a contract. Consideration can be anything of value (such as an item or service), which each party to a legally binding contract must agree to exchange if the contract is to be valid. If only one party offers consideration, the agreement is not legally a binding contract. In its traditional form, expressed as the requirement that in order for parties to be able to enforce a promise, they must have given something for it (quid pro quo): something must be given or promised in exchange or return for the promise. A contract must be "met with" or "supported by" consideration to be enforceable; also, only a person who has provided consideration can enforce a contract. In other words, if an arrangement consists of a promise which is not supported by consideration, then the arrangement is not a legally enforceable contract. Mutual promises constitute consideration for each other. ("I promise you that I will do X, in consideration for which you promise me that you will do Y").

Contact Mike Ripper on:  Tel:0845 868 2810
Shitstirrers of Wessex

A friend has forwarded this story........
I had bought a bunch of stuff, over £150, & I glanced at my receipt as the cashier was handing me the bags. I saw a cash-back of £40. I told her I didn't request a cash back & to delete it. She said I'd have to take the £40 because she couldn't delete it. I told Her to call a supervisor. Supervisor came & said I'd have to take it.. I said NO!  Taking the £40 would be a cash advance against my Credit card & I wasn't paying interest on a cash advance!!!!! If they couldn't delete it then they would have to delete the whole order. So the supervisor had the cashier delete the whole order & re-scan everything! The second time I looked at the electronic pad before I signed & a cash-back of £20 popped up. At that point I told the cashier & she deleted it. The total came out right. The cashier agreed that the Electronic Pad must be defective.

http://www.themeetingplacenorth.co.uk/wp-content/uploads/2010/12/money-back.jpgObviously the cashier knew the electronic pad was defective because she NEVER offered me the £40 at the beginning. Can you imagine how many people went through before me & at the end of her shift how much money she pocketed?

Just to alert everyone. My co-worker went to Milford, Sainsbury’s, last week. She had her items rung up by the cashier.
The cashier
hurried her along and didn't give her a receipt. She asked the cashier for a receipt and the cashier was annoyed and gave it to her. My co-worker didn't look at her receipt until later that night. The receipt showed that she asked for £20 cash back. SHE DID NOT ASK FOR

My co-worker called Sainsbury’s who investigated but could not see the cashier pocket the money. She then called her niece who works for the bank and her niece told her this. This is a new scam going on. The cashier will key in that you asked for cash back and then hand it to her friend who is the next person in the queue.

Please, please, please check your receipts right away when using
credit or debit cards!
This is NOT limited to Sainsbury’s; they are one of the largest
retailers so they have the most incidents. I am adding to this. My husband and I were in Sainsbury’s and paying with a credit card when my husband went to sign the credit card signer he just happen to notice there was a £20 cash back added. He told the
cashier that he did not ask nor want cash back and she said this
machine has been messing up and she cancelled it We really didn't think anything of it until we read this email. 

To make matters worse ....

Tell  your friends

Taxing Americans took us to war and lost us part of our Empire. Will we ever learn?
Tea & Goffee

Table of Featured articles. Click on them to read

UK Children now on par with 3rd world starving.

Save Our Children First
A damning indictment of the UK's dismissal of their obligations to its own children as well as its vulnerable disabled.  Whilst children in the UK are plunged into poverty and near starvation, the UK government pretends to be 'saving the 3rd world' from starvation and injustice.  The ultimate and cruel hypocrisy of today's Britain as one of the world's richest economies, we join the USA in hiding the truth of what really is happening.  We too have soup kitchens, and church charities providing food for hungry families, 200 of them within 60 miles of where I live..  Save the world's children dismiss your own.  The UK gave £80m to Africa recently, that was to buy influence away from China.  Madness, and completely immoral.
In the 30’s and 40’s, we fought for children’s right to adequate nutrition in the UK. Our campaigning was a success: the Education Act of 1944 made it compulsory that all schools in the UK provide milk to children under the age of 18. We continue fight for children in the UK today by supporting some of the most vulnerable children and families. Right now, 1.6 million children live in severe poverty in the UK. Our programmes make sure children living in poverty get off to the best possible start in education, and we’re making sure they get the essentials they need - a hot meal, blankets, a warm bed.


Are you being pressganged into joining up on a high tariff 0870 phone or fax rip-off if you want to retain your 0870 number ? Read how to fight back

The Old Rage Pensioners

Freshwater Polluted - Large Property Group deprives Tenants

CMI deprive Widow  of £40,000 + by changing investment without authority

FSA Question Informed Investor

Do You Seriously Want to be Defrauded ?

The Truth - Why Endowment Policies are Failing

Inland Revenue use nasty tactics

Islington Borough Council - Legal abuses

The Pimps of The Financial World

 Ally Soper's Political Corrections

cacWhere is the money Invested in the Life Assurance Company of Pennsylvania ?

Benefits Fraud ? This is being caused because of the Benefit Laws


CAPITAL ONE DISREGARD CONSUMER CONTRACT REGULATIONS 1999   AND HARASS CARD HOLDER FOR OVER £516 FOR A £185 DEBT Credit Solutions Ltd. The serial law breakers. We report them to the police & Office of Fair Trading under the PROTECTION FROM HARASSMENT ACT 1997
 Leveson or UCOS  Inquiry

The Prime Minister announced a two-part inquiry investigating the role of the press and police in the phone-hacking scandal, on 13 July 2011.
Lord Justice Leveson was appointed as Chairman of the Inquiry.  The first part will examine the culture, practices and ethics of the media. In particular, Lord Justice Leveson will examine the relationship of the press with the public, police and politicians.  He is assisted by a panel of six independent assessors with expertise in key issues being considered by the Inquiry.

The image “http://ia.media-imdb.com/images/M/MV5BMTI3NTM4NjY5M15BMl5BanBnXkFtZTcwOTY5NDY0MQ@@._V1._SY317_CR22,0,214,317_.jpg” cannot be displayed, because it contains errors.
Meanwhile we Notice that down at Sky TV they have a channel called Alibi, the Two Main Programmes shown are The Murdoch Mysteries and New Tricks. Is there a subtle message here?

Murdoch Mysteries: TV Advert


Wescot Credit Services is a debt purchasing company or debt collecting firm listed in the website of DBSG (The Debt Buyers and Sellers Group) and/or mentioned in consumer finance forms. They have a legitimate function as debt collectors, but there is some indication that some such companies (not necessarily Wescot Credit Services), and especially the debt purchasing element, go a bit too far sometimes and can make people's lives a misery when those same people are at their most vulnerable. We do not suggest that they are acting outside the law, but getting that letter or phone call is not exactly helpful to you right now.

So the first thing you must do if Wescot Credit Services are bothering you is not to panic or despair. That's just what they want! They'd love you to call their number and speak to their specially trained sales team for 'advice'. But once you do that you'll be suggestible to whatever they tell you, instead of getting independent advice. While we always say that you should keep an open dialogue with debt collectors, we would recommend that you do so in writing only. This will prevent them 'railroading' you into any action which is not in your best interests, as they so love talking people into doing things on the spur of the moment. Of course, they are only doing their job, but that's hardly a consolation for you in the present situation.

There are several courses that are open to you, and some will suit your own situation better than others.

A sensible option, we would suggest, is a debt management plan or even an IVA - which is designed to actually write off a large chunk of your unsecured debt. But you would need to take advice on this and look at your income and expenditure in detail. This option won't suit everyone. 

For an alternative type of loan you could apply for a 'logbook loan' which many people find a very handy option. It is actually a loan secured on your car, except you get to keep the car and keep the cash as well! That's why some people find it such a good idea, as it unlocks the equity in your vehicle without taking away your means of transport (there's no need to sell the car). To apply for a logbook loan click here.

Yet another option is a no credit-check guarantor loan. This is especially useful because your own credit rating is not looked at; you must find someone else willing to act as a guarantor for you such as a friend or family member. This is an ideal solution if you're at the stage where your credit profile has been downgraded by recent events, etc. So click the following link for Unsecured Loans that don't need you to be credit checked.

Are you owed money? Have you been missold Payment Protection Insurance with your credit card, loan or mortgage? PPI Advice Line will advise customers openly and honestly about the chance of making a successful claim for their compensation.

If you wanted to try a debt management plan, then we provide a whole-of-market service, with a number of debt management experts on our panel. So whatever your circumstances, your application will find the plan for you, meaning the optimum outcome for your situation. It also means there are no minimum requirements for debt levels or income.
DPC Registry. Consumer Credit Licence number 633327.
 Name: Wescot Credit Services Ltd
Also Known As: Wescots, Westcott Credit Services, Westcot, Wescott, Wescot Debt Collectors, Westcot Credit Ltd, Westcot Debt Collectors, Westcott debt collectors, etc..
Address: PO Box 137, Dunedin House, 45 Percy Street, Hull HU2 8HF. Also The Mash, Jarrat Street, HULL HU1 3HA. Also Midlands House, Oswald Street, Glasgow, G1 4PL
Telephone: 01482 590590 and 0141 3005300
Fax: 01482 380629
Email: person or department @wescot.co.uk
Extra Data: They have over a thousand entries on the various consumer websites. It seems they've been very busy being
People connected with this Company
ANDREW PUNCH   director 
PAUL JENKINS   director -

Wescot Credit Services and the Truth About Your Debt

 Wescot Credit Services Limited is a debt collecting agency which has purchased a debt account from the original creditor, usually a bank (or in some cases another debt collector) for much less than the worth of the original account and is attempting to get the full value of the original loan from you.

Wescot Credit Services Ltd will use all sorts of methods to get money out of you in order to make money from you. You may already have experienced bad dealings with them. They may phone you up when they know it is inconvenient for you and do this many times every day. They may send you official appearing sternly drafted letters threatening to send someone round and collect the money in full or take you to court if you cannot pay. Other strategies may involve saying that they will make a charging order on your property or make you lose your home.  If telephone calls continue,this can be taken as HARRASSMENT under PROTECTION FROM HARASSMENT ACT 1997 This is a CRIMINAL Act which can lead to 6 months imprisonment and/or a level 5 fine.

So ask Wescot Credit Services for a copy of the original contract when you took out your loan or credit card.They may even produce a copy  of say a Credit Card Application. However such an application must under the Consumer Credit Act 1974 s.78(1)   include the original, actual terms and conditions in respect of interest rates then in force. If it fails to do so IT IS UNENFORCEABLE. Wescots know this but they try & make out they are enforceable misleading and frightening the alleged creditors. Further if you are taken to Court by them you should demand further & better particulars to include the ACTUAL amount they paid for the debt. In such instances Judges have been known to award that amount (Not what they are Claiming) plus £5 costs to be paid over a long period.
We  would also point out that under the Limitation Act 1980 Section 5 “an action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued.”

The Old Rage Pensioners
Public Sector
Pensioner Patrol
Down in that haven of peace, Taunton, the Pensioners are rising in the biggest movement against bureaucracy since the Duke of Monmouth's uprising and the battle of Sedgemoor in 1785. For Taunton, along with Christchurch, has the highest % of Pensioners in the country. Many of these Pensioners live in sheltered accommodation. They just want to enjoy their twilight years with no hassle. This calm has been disturbed in recent years when the Taunton Deane Borough Council, in the usual bureacratic way , placed young people with  a history of mental afflictions amongst them. Whilst we agree that the former "Mental Hospitals" were a stigma it is wrong to place the burden onto senior citizens . It is just a buck passing excercise .  The ultimate happened last Xmas Eve when the flat of one of these unfortunates caught fire. There is a lack of "half-way" homes where these people can be both housed and supervised.
 We have been writing to the various public sector people and have come across varying degrees of response & non response. Basically we have been contacted back by the Police, Taunton Deane Borough Council Liason Officer, The Taunton Deane Borough Housing Councillor, The Local Mental Health Office, local MP Jeremy Browne MP, Taunton Pensioners Forum,  The South West Seniors Forum, The Minister For Housing & Local Government The Rt Hon Grant Shapps MP and a twot from the Housing office at TDBC whose only reply was that she had registered our editor's letter on his "record".  So far from the Council side the buck has been passed onto central government in response the Minister's office has quoted chapter & verse showing that such decisions are made locally.  Everyone else has tried to hide behind the sub judice of the case mentioned above.  Our question has little to do with that case. The case is only the manifestation of the stupidity of mixing oil with water. The simple unanswered question is that the buck passers have placed young people with mental afflictions beside vulnerable senior citizens. This does not work for either party. The senior citizens are being frightened and confused and those with mental afflictions have none of their contempories to turn to.  It is our opinion that there is a prima face case for both parties to take legal action against the buck passers at least for harassment and at most for substantial damages. We have found that in the Private Sector a SEO or senior member of a Company takes responsibility and tries to rectify the position. In the Public Sector they try and pass the buck.  There are many good people in the public sector but there are also some very rotten apples. If we do not get satisfactory responses by April 1st 2012 we shall start NAMING & SHAMING these rotten apples in these columns as we have done within HMRC in the past .
 We will not simply put it on a record but let all & sundry know about them. They are hereby warned.

The Editor.
Adtab Sachak

The image “http://alternativesoapforums.co.uk/Eastenders501/IMAG003.JPG” cannot be displayed, because it contains errors.
Aftab Sachak- The Ex- Eastenders Actor Convicted of £83,000
Fraud on an Old Age Pensioner Gets 3 Years Imprisonment.

Aftab Sachak is a British actor, who is based in the United Kingdom. Born in the United Kingdom, as a member of the wealthy east-african Sachak family, Aftab enjoyed the life of a "jet-setting confidence trickster " before studying acting.

He made his television debut in King of the Ghetto in 1986, but is probably best known for playing the serious minded shop keeper, Ashraf Karim, in the popular BBC soap opera, EastEnders (1987–1990). Whilst appearing in EastEnders, Sachak was in fact coping with real life bankruptcy after incurring much publicised gambling debts, and was even evicted from his home after his conviction. Sachak has commented: "I felt like I was stuck in hell, I even thought about suicide."

After putting his and his victims monetary problems behind him, Sachak concentrated on his career. Since leaving EastEnders he has appeared in the BBC comedy Waiting for God (1993), Brothers in Trouble (1995), Call Red (1996), Out of Sight (1996–1998), The Bill (1999), Hope & Glory (2000), The League of Extraordinary Gentlemen (2003) and Second Generation (2003) among others. Sachak is also a veteran stage actor and has appeared in Ayub Khan-Din's stage production of East is East at the Octagon Theatre, Bolton in 2005.
Afrab Sachak in the famous Ferrero Rocher Advert
Sashak was convicted at Isleworth County Court on Monday October 17h 2011 of obtaining money by fraud from one of his best friends of 20 years.  The former friend  had some 18 years previous been engaged to a young lady.  The engagement had broken down and the victim of this scam had not seen or heard of the young lady since.
Then 5 years ago Sachak claimed that he had bumped into the young lady and she had told him that she was in an unhappy marriage and would love to once more make contact with the victim again. As "she" was afraid of her husband she thought it best to make contact through texting.
 So began a 5 year session of texts between the victim and as he thought was the young lady. In fact it was Sachak texting back all the time. Posing as the young lady he text that "she" was in need of money and could "she" borrow some. The victim agree and using his good friend Sachak as go-between passed over in excess of £83,000 over the 5 year period. 
Recently it emerged that the lady had no knowledge of the loans and Sachak had taken the money for himself. He was sentenced at Isleworth County Court on June 8th 2012 to three years imprisonment
Please can you provide more info on the article relating to Aftab Sachak. I met him in 1973 when he conned me out of more than 2 months wages. At the time he had an Afghan passport which is where his family originated from. He was as utterly charmimg as he was ruthless. I'm sure I recall a previous conviction in the early 2000's but can find no trace of this. I'd early like to find attributable information to update his wiki pages etc to show the scumbag in his true light -  CL

The Socioligist Max Weber stated that there were two types of politicians those who are in the Legislature and Journalists.

http://img.slate.com/media/114000/114636/010830_Conrad_Black.jpg http://www.wowdewow.co.uk/wp-content/uploads/2011/03/robert-maxwell.jpeg http://jeremyrowe1.files.wordpress.com/2010/04/bell-murdoch.jpg
Canadian Conrad Black owned
Daily & Sunday  Telegraph
Conrad Black became embroiled in financial scandal (and was later jailed in the US).

Mirror Group had been bought from Reed International by the infamous Czechoslovakian-born Robert Maxwell in 1986. Sold after his death in 1991
Australian Rupert Murdock
Sun, News of The World, Times & Sunday Times + Part Owner Sky TV
Russian Alexander Yevgenievich Lebedev
 owner of four UK newspapers with son Evgeny Lebedev: the London Evening Standard, The Independent, the Independent on Sunday and the new i newspaper.

Times readers run the country,....................Well Rupert Murdock thinks he does
Telegraph readers think they run the country, .................Conrad Black just used their money
Guardian readers wish they ran the country,..........Formerly Manchester Guardian... the bastion of the North
Mirror readers would run the country if the Times readers didn't run it already,.......Robert Maxwell made sure that the workers at the Mirror didn't
Mail readers don't know who runs the country,........ The Northcliffe's were originally Irish
Express readers don't care who runs the country  ........Beaverbrook was Canadian,
and Sun readers don't give a damn who runs the country as long as her measurements exceed 38-24-36 and vote as they are told by Rupert Murdock
http://www.topnews.in/health/files/Call-Centre-Employees.jpg OUTSOURCING IS A DEVASTATING CAUSE OF RECESSION IN BRITAIN

Every penny earned before 1pm goes to HMRC, Every £1 you earn before lunch goes to the taxman. What have you achieved this morning? According to some new research, all you’ve actually managed to do is meet your tax obligations! Nothing to show for it

According to some calculations by Fidelity International, your morning’s work is all to the benefit of the taxman. The firm looked at how much of our daily earnings find their way into the taxman’s coffers, using VAT, National Insurance and Income Tax. And remarkably it found that for basic rate taxpayers working 9am to 5pm, every penny they earn before 1pm goes directly to HM Revenue & Customs. It’s even worse for higher rate taxpayers, who have to labour through until 1.45pm before they see any return on their efforts.
So why does the Government in this recession allow outsourcing outside of Europe? Do the employees of call centres, accountants etcin areas outside of Europe pay UK taxes? No.

http://blogs.telegraph.co.uk/news/files/2010/04/PF-job-centre-3_1370847c.jpgRecently Birmingham City Council announced that they were going to outsource to India. Are these idiots really serious? Instead of promoting local jobs they are depriving Birmingham of money. Firstly those being made redundant go on Jobseekers allowance and maybe Housing Benefits and Council Tax Benefits. Then the local shops and services lose out as there is less spending power. All round they create more recession. This has got to stop- we suggest that where British Companies servicing British people in Britain outsource outside Europe then the fees paid for that outsourcing should be exempt from being accepted as a trading cost and disallowed to be shown as such in their accounts. If you know of companies doing this let us know and we shall shame them and others can avoid using them. 

 In the meantime your editor has been receiving 3 to 4 calls a day on his Orange nobile phone from a number shown as 0845 450 3102. It appears to be from Gajwel, Sangareddy, India.  So far they have called 28 times in a week!. As a dialling machine is calling I just hear silemce.  They can't be blocked by TPS because they are abroad. Even if they talked they would not be dealt with for reasons stated above. Orange & EE have been informed and Orange subscribers are being targeted.  Mr Osborne please tax these activities!

Talk Talk.
Birmingham City Council


J'Accuse ("I accuse")
We argue that "the decision by a Tax Tribunal was based on inadmissable evidence and was a misrepresentation of justice."

It was with shock and disbelief that two of their former directors of Croxtons Ltd. were awoken at 6 am one morning in the autumn of 1998 by the metropolitan police in cohorts with officials from the special compliance office of the inland revenue. The only reason for these raids given was that the officials were "seeking evidence".

They took away papers and computers pertaining to Croxtons Ltd.  Within the next few days Accountants and Financial Advisers who had recommended the Croxtons "Benefits in Kind" schemes had similar visits as did the companies who partook of them.

Eventually the chairman of Croxtons Ltd ( who had never been contacted by the Inland Revenue Special Compliance Office) managed to arrange a visit with a  Keith Moore and Beth Smith from the Special Compliance Office from Salford Quays in Manchester for 11th August 1999 at Somerset House in London.  As the meeting opened Keith Moore stated that they had no interest or complaint  in the dealings, activities or legal standings of Croxtons schemes whatsoever. The rest of the meeting consisted of the Inland Revenue representatives asking the Chairman of Croxtons Ltd about one firm of dealers in Oriental carpets. When asked if they knew the result of their damaging raids the representatives of the Inland Revenue apologized. End of Story?
  Oh No

In a hearing before the Tax Tribunal in December 2009 HMRC produced "alleged" evidence as to what third parties did with carpets given to them as a "Benefit In Kind" prior to November 1998. Evidence that in many cases the defending companies had no knowledge of... and under the Data Protection Act had no right to know. So where had HMRC uneathed such evidence from?  In the words of Keith Moore no search had been made in regards to the company actions- they were looking into the dealings of a carpet provider. Under the law a Warrant MUST specifically be used for a specific reason, not for a phishing expedition. For over a year now we have requested the source of such information- this they have failed to provide. Therefore the Tribunal should not have considered such evidence, and if such evidence was obtained by the HMRC in the course of the aforementioned raids action should be taken against
David Hartnett and his cohorts.

 What is a Police Warrant?

When can the police seize property

Police should only seize goods if they have reasonable grounds for believing that:
  • they have been obtained illegally; or
  • they are evidence in relation to an offence.
In either of these cases, they must also have reasonable grounds for believing that it is necessary to seize the goods to prevent them being lost, stolen or destroyed.

 How voters can hold them accountable

To a great deal of fanfare Prime Minister David Cameron pledged Whitehall departments' new business plans would set out what they intend to do and how voters can hold them accountable for it.

He presented it as an alternative to Labour's culture of targets, which he argued encouraged short-term thinking, as public sector managers sought immediate results to meet centrally-imposed deadlines at the expense of long-term improvements to services. Speaking at the launch of the business plans, Mr Cameron said Labour's targets   " bred bureaucracy... created inefficiency and unintended consequences (and) crushed morale in the public sector … Today we are turning that on its head"


Over the years we have been defending clients over the actions taken under the direction of this man.
Firstly taxpayers should remember that we are not advocating avoidance from paying taxes, but we do advocate:
Oliver Letwin a) That the revenue should not pursue taxes that are NOT owed, and they should not presume without evidence. Our story goes back many years and to this day no court of law has found in favour of Mr Hartnett and his underlings. However he & his underlings have not been slow in wasting taxpayer's money chasing revenue on which legally they have no hope in collecting.
 Back in 2005 we had to obrain the assistance of Oliver Letwin MP and David Laws MP to halt these people trying to arrange expensive tax appeals on National Insurance cases which were outside the Statute of Limitations and were therefore unable to legally be collected.
David Laws

b) The HMRC are making offers to try & get Companies to pay NIC's they DO NOT OWE by offering to Halve the Interest!  As we have clearly poimted out and the Commisioners have ratified they are also subject to the Council of Europe and the Human Rights Act. They were defeated in the case of King v The United Kingdom (application no. 13881/02) from claiming interest in cases they have held up. Therefore they are trying to hoodwink companies into paying interest they are not entitled to. Beware offers that would make a second hand car salesman blush. This from people who are meant to be upholding the law.  

There is nothing wrong with the legitimate collection of taxes and National Insurance- but we agree that a man who supervises the waste of taxpayer's monies and the use of inadmissable evidence has not got the moral stature to remain as the country's top tax official.


Contact your Councillors, MP, MEPs, MSPs, or Northern Ireland, Welsh and London AMs about this
Do you need help with your postcode?
Tax chief's career in jeopardy as treasury minister refuses to back him
say the Daily Mail 13/09/2010 by Gerri Peev

David Hartnett

He had refused to apologise for the underpaid tax fiasco – and it was only after pressure from the Chancellor that the country's top tax official finally said sorry.

But despite his apology, David Hartnett's career last night hung by a thread after a senior Cabinet minister publicly failed to back him.

Four times yesterday, Treasury Chief Secretary Danny Alexander sidestepped a question over whether the official had his full confidence.

The row began when Mr Hartnett, Permanent Secretary for tax at Her Majesty's Revenue and Customs, refused to say sorry for the breakdown in the tax system which has left millions with incorrect tax codes. Up to 1.4million ordinary families are being landed with unexpected tax demands of around £1,400.

In a pre-recorded interview, broadcast yesterday, Mr Hartnett had told the BBC's Moneybox programme: 'I'm not sure I see the need to apologise'. But nine hours after his comments were broadcast on Radio 4, Mr Hartnett was forced by George Osborne into a climbdown.

Yesterday, as the row raged on, Mr Alexander welcomed the apology. However, he stopped short of backing the HMRC boss. Asked whether he had 'full confidence' in Mr Hartnett, the Treasury minister said: 'I have got full confidence in HMRC's ability to ensure that these issues are dealt with appropriately under his leadership.

'He was right to apologise. This is a problem we inherited from the previous government and of course it's very unfortunate and I'm sorry that some people have got an unexpected tax bill.' But Mr Alexander sidestepped three more chances in a Sky News interview to say Mr Hartnett had his full confidence.

Today, Mr Hartnett faces a grilling in the Treasury from Exchequer Secretary, David Gauke. He will also be brought before MPs on the Treasury select committee when they conduct an inquiry into the tax shambles. On the BBC, Mr Hartnett had also said taxpayers owing large amounts would be given less time to pay it back than those owing a small amount.

He added that claims of 'blunders and IT failure' were not true – despite a report from the National Audit Office which painted a dismal picture of HMRC's ability to collect tax efficiently.But on Saturday afternoon, he said: 'I am deeply sorry that people are facing an unexpected tax bill.'

He apologised if his remarks had come across as 'insensitive', adding: 'I am working flat out with my colleagues to ensure everyone's tax is correct and the new computer system will help us do this.

'It was this new system that revealed the extent and size of reconciliations required and will help us be more accurate in future.


The Whigs Are Back

The Peelites return to the Whig Party. The Split of 1834 Rescinded & The Whigs are back in Power

a) Let's Be one Britain striving together. Curb the illegal actions of HMRC
b) Stop services between British Companies & our citizens being run through foreign call centres. Firstly the Data Protection Act has no validitity in many countries and those jobs should be done by British Workers in Britain.Companies who use non-European call centres should not be able to claim those costs as a trading expense.
c) Ensure once more that Highly qualified British Workers are not driven out of the Country by punitive measures.
d) Give back the Tax Relief that Pensioners had contracted for on Pre 1997 Pension schemes.
 e) We're "broke" and can't help our own Seniors, Veterans, Orphans, Homeless etc.

Are you aware of the following?

The British Government provides the following financial assistance: -
Old Age Pensioners Illegal Immigrants
Weekly allowance £100
Weekly allowance £250
Weekly Spouse allowance £25
Weekly Spouse allowance £225
 Additional weekly hardship allowance £0;00
Additional weekly hardship allowance £100
Please read all and then forward to all your contacts so that we can lobby for a decent aged pension. After all, the average pensioner has paid taxes and contributed to the growth of this country for the last 40 to 60 years.   Sad isn't it?

City Skyline


He barks too

click email



Table of Featured articles. Click on them to read

Are you being pressganged into joining up on a high tariff 0870 phone or fax rip-off if you want to retain your 0870 number ? Read how to fight back


Freshwater Polluted - Large Property Group deprives Tenants

CMI deprive Widow  of £40,000 + by changing investment without authority

FSA Question Informed Investor

Do You Seriously Want to be Defrauded ?

The Truth - Why Endowment Policies are Failing

Inland Revenue use nasty tactics

Islington Borough Council - Legal abuses

The Pimps of The Financial World

 Ally Soper's Political Corrections

cacWhere is the money Invested in the Life Assurance Company of Pennsylvania ?

Benefits Fraud ? This is being caused because of the Benefit Laws


CAPITAL ONE DISREGARD CONSUMER CONTRACT REGULATIONS 1999   AND HARASS CARD HOLDER FOR OVER £516 FOR A £185 DEBT Credit Solutions Ltd. The serial law breakers. We report them to the police & Office of Fair Trading under the PROTECTION FROM HARASSMENT ACT 1997

WorldSIM.com: Recieve international calls for free in over 150+ countries. Reduce bills by 95 percent.THE NEW 0870 Telephone Number Game

For many years now we have used 0870 numbers. The reason was that we did not have to keep changing numbers when we moved or that we could direct calls to offices that were open at any time. The companies that gave us those facilities gave them free because they were collecting their revenue via the person making the phone call or sending the fax. This was good for both parties and we have until now used three of them- namely : E-Fax, YAC, and Opal. From August 1st 2009 they will no longer be able to collect the revenue from the caller so they now wish to charge us. Firstly you have to be a detective to wade through the offers they are blackmailing us to take to retain our numbers.

Anyway we seem to have found out that Yac wish to charge us 2p per minute per call and Opal 2.5p per minute per call. But efax want a minimum of £7.50 a month to offer us far more than we had before. When we asked them several times how much it cost to continue on the same as before some Irish lass called Yvonne just wrote back saying all we could have was the £7.50p package! So we shopped around and found that we could have the same deal from My Fax for £5 per month or Vonage for £5.99 per month!
So we recommend you shop around too- If you still want to avoid paying and continue to let the caller pay you can do it through an 070 number- Both YAC & Flextel(UK) offer this facility.

 Soho are offering either an 0845 or local area number for their fax service at just £2 per month.

If any of you have found better ways then do tell us. In the meantime you can get these services from:]

E-Fax Click
Flextel UK Click
Opal Click
Vonage Click
YAC Click


by our in-house would-be sucker
Tit For Tat
Every so often some idiot trickster tries to con us on the internet. This one came through our Skype connection. Now we regularly get young ladies from Ghana or other West African Countries trying to "chat". After a few minutes chatting they try to get us to send money to them. A polite No usually ends this. But in the last month one of our older directors had a so-called young 27 year old "lady" from Gauteng , South Africa . She sent an email with her pictures as shown above. One showing her breast.She claimed that she was in the Media Pr business and worked in the field of beauty products. She also said that she was hoping to visit England on behalf of her company, for whom she had worked for 6 months,  within the near future, if selected. Well the next week she went for an interview and , lo & behold, she got picked. On the day of selection she contacted our would be sucker and told him the good news.  She would be coming a week later. But there was one problem. She had to have money sent to England by her Company, whose headquarters were in Germany. Could our would-be sucker receive it for her. By now we knew a scam was coming. So we gave a dormant account name with 1p in it! 2 days later an envelope addressed to thecompany, posted special delivery, arrived.  It was, as shown above, in Euros in the sum of 2,250 Euros.   On the day of arrival it was banked & the bank stated that there could be up to 5 weeks to clear the cheque as it was in a foreign currency. So we sent a copy to the Connerz bank which now owns the CIMBBANK. Well the weekend passed and on Monday Miss Robinson said she was to come the following Thursday and could our would-be sucker advance her the £720 for her air ticket!  This is when the scam was confirmed as she said we should take it out of the proceeds of the cheque when it was cleared. We already knew it would never clear. So we asked her to get her travel agent to contact us.He never did. The details of Miss Robinson are below. It could have been an expensive view of a tit!
Email: Sharon Robinson sharon.robinson871@gmail.com. Phone No +27833665908. Skype No:Shally 435

With Banks running out of Money are Bank Robbers feeling the Recession?

It seems that certain Debt Collectors do not take the hint that they are breaking the law . We have encountered  by a company who call themselves by the mis-nomen of Credit Solutions Ltd of Capella Court, Brighton Road, Purley Surrey CR8 2PG .  We represent a client in regards his financial affairs & they have decided to keep telephoning & SMSing our offices & harassing us. Despite telling them by phone over twenty times that we are the advisers NOT THE CLIENT  and  6 emails they continue to harass us.   These have been recorded. We have passed on the details to the OFT , the CSA and the Somerset & Avon Police (ref: 78202/08). and suggest that other readers phone and inform them that they are HARRASSING under PROTECTION FROM HARASSMENT ACT 1997
This is a CRIMINAL Act which can lead to 6 months imprisonment and/or a level 5 fine.  T
heir Managing Director is Will Pierce. We have his full home & work details & will publish them if this Harassment does not stop.  Maybe they would like their business lines blocked by harassers too. We will leave the rest to our readers. If they are experiencing the same from this firm contact:

Andy Lowther ,Office of Fair Trading ,1C/015 ,FREEPOST ,London, EC4B

Statue of John WilkesHe barks tooLiberty is "when some perfectly respectable person gets up and says something everybody agrees to, " while "license is when some infernal scoundrel, who ought to be hanged anyway, gets up and says something that is true." 

So  it was John Wilkes—radical journalist, member of Parliament, outlaw, prisoner, lord mayor of London, and self-described libertine in the 18th century. His life and career go a long way toward dispelling the superstition that liberty must advance hand in glove with order, guided by men of sterling moral character. Probably born in 1726 (the exact year is uncertain), Wilkes clashed with George III and his ministers  .  In John Wilkes, his new biography, Arthur H. Cash shows us  why lovers of liberty, at least, should celebrate this colourful Englishman. Cash tells his readers from the outset, "If you think the police have the right to arrest forty-nine people when they are looking for three, shut [this book] now."

With this in mind Watchdog read this notice from the Hampshire County Council to ourselves amongst others and realised that so-called "freedom of speech" and action is once more being challenged. So much in the spirit of John Wilkes's No 45 The North Briton we are hereby challenging the Hampshire County Council in their authority to try and curb freedom of speech and we are hereby writing about them for the first time because they have served such a notice on us. We have informed them and their Chairman of our actions and will publish any response or legal action that ensues. Being legally ordered to cease doing something we have never done is something to be judged by the public and the good people of Hampshire - for this is being done in your name. At present we just publish their letter and our response.
The relevant Members of Parliament in Hampshire are who  invited to look into this are: Aldershot    Gerald Howarth (Con), Basingstoke    Andrew Hunter (Con), East Hampshire    Michael Mates (Con), Eastleigh    David Chidgey (LDem), Fareham    Mark Hoban (Con), Gosport    Peter Viggers (Con), Havant    David Willetts (Con), New Forest East    Dr Julian Lewis (Con), New Forest West    Desmond Swayne (Con), North East Hampshire    Rt Hon James Arbuthnot (Con), North West Hampshire    Rt Hon Sir George Young Bt (Con), Portsmouth North    Syd Rapson BEM (Lab), Portsmouth South    Mike Hancock CBE (LDem), Romsey    Sandra Gidley (LDem), Southampton  Itchen    Rt Hon John Denham (Lab), Southampton, Test    Dr Alan Whitehead (Lab) and Winchester    Mark Oaten (LDem). Every Local Councillor  in Hampshire should question such action too.

Hampshire CC1

Hampshire CC2
Our Response

Drummond Crest

Email: drummondco@drummondco.idps.co.uk

Website: www.ukinformedinvestor.co.uk


 A.Havlin Esq.
Legal Practice,Chief Executive’s Department
The Castle
SO23 8UJ
Thursday, 20 November 2008

Ref: CL54080AH

Dear Mr. Havlin


We thank you for your posted Notice received today   We still do not comprehend your blanket notice as most of the sites you mention have no mention or reference or carry any images in regards to Hampshire County Council whatsoever. Please inform us of any specific image or information that you consider unlawful. As the sites www.ukinformedinvestor.co.uk, www.wessextouristboard.co.uk and www.mercia.me.uk carry no mention of Hampshire or show any images of Hampshire other than one of many 1000s of click throughs to websites I cannot understand any relevance in this matter other than to intimidate.

In fact the only page on all our sites that made any reference to the Hampshire County Council is www.wessex.me.uk/HampshireAttractions.html  We, shall comply with your notice in regards anything you specifically request to be changed or removed on that page as a courtesy, even though we did enquire in regards to this in 2003 before it was written and we acknowledge your assistance. The site was www.chardnet.co.uk at that time. So please identify that which you consider is your intellectual property and we will re-write and /or replace images. We await your further & better particulars on the relevant sites and then we will comply within 14 days on any proven breach of intellectual property

 However we are quite prepared to accept legal proceedings and get a legal decision on the other matters, which we believe have no legal standings whatsoever. We have placed the following on the page mentioned above as follows:

This section has been a feature of this part of Wessex since it was written 4/5 years ago ( when our site was www.chardnet.co.uk). Unfortunately the Hampshire County Council has issued a NOTICE TO CEASE & DESIST IN USING AND/OR HYPERLINKING TO HAMPSHIRE COUNTY COUNCIL'S TOURIST INFORMATION AND IMAGES ONTO/OR BY THIS SITE and others  & tried to influence 3rd parties. They claim that unspecified parts are their "intellectual "property & must be removed. But have failed to specify which parts. It is our intention to continue to show this search engine to assist visitors and defend our right of free speech. We have, until now, published an acknowledgement to Hampshire County Council just here and referred people to their site. This it seems has created offence as have our other sites, which have been specified, which are financial, legal and commercial and have never shown anything pertaining to Hampshire County Council. Our sites have been on-line since 1999 and date back through other means of media to 1972. These thumbnails are a means of direction to the various websites and are not a copy of "War & Peace" lifted from Tolstoy! No charges have ever been levied for our information services. We shall be publishing the correspondence for readers to judge on our Shitstirrers of Wessex page and the UK Informed Investor will now be mentioning it on their Watchdog page. It shall also be brought to the notice of people of influence. We always name names. Details of our breach(es) of "Intellectual" Property "MAY BE" 

available from the Tony Havlin, Jeff Pattison and Andrew Smith at The Castle Winchester, Hampshire SO23 8UJ. Tel:01962 841841. Fax: 01962 840215 Email: Tony.havlin@hants.gov.uk. Once identified they will be replaced by this notice as requested and all the thumbnails will be rounded off. We apologise to the attraction owners if this means they have fewer visitors as over 35 million page visits to our sites  have been made, and over 25 million in 2008 so far. The domain names of www.wessex.me.uk and www.wessextouristboard.org.uk have been properly registered. There is no legal definition of the words "Tourist Board" or prohibition for the use of such titles  or a law to prohibit hyper-linking from the site as they have tried to intimate. If so we note they are listed on many other search engines with hyper-links. Maybe the Government will stop the "Ministry of Sound" nightclub or the "Ministry of Cakes" in Taunton, Somerset. 

We also point out that we have complied with The Consumer Protection (Distance Selling) Regulations by placing the “contact us” hyperlink on each page and that hyperlink goes to the page where the details are lodged.

As for the name Wessex Tourist Board. This has been properly registered and accepted. We shall not desist from using the name unless so ordered by a Court of Law. Please advise us of any legislation that you believe enhances your telling us to desist from using that name.  We have for many years now been assisting readers both by email and on the telephone with information in regards to Tourism in both Wessex and Mercia. Especially when local tourist offices are closed on Saturday afternoons and Sundays. This has been done free of charge and courteously.  We fail to see what this has to do with the Hampshire County Council. As we do not charge the matter of fees is immaterial. We are a firm of European Tax and Legal advisers who have created reference pages as a service and it is in the fields of legal and tax advice that we have charged since 1966. The fees are dependant on the advice we give and the work done.

Interference with us carrying on our legitimate business , if this continues, will be counterclaimed if you continue to proceed with legal action.

It has always been our intention to work in harmony and co-operation and a simple call or request in the first instance would have been dealt with to everyone’s satisfaction. You made no such approach . We are still open to constructive discussion. We do reserve the right to publish the correspondence on our sites for the consideration of our readers, as we always do whether it be with large corporations, local councils, Insurance Companies, Government Offices or the public. We have a “Watchdog Column” on our financial site, which is usually picked up by the media.

 Assuring you of our services at all times.

Faithfully yours,

Drummond & Co.


Dateline February 21st 2008
Labour was accused of creating a new "brain drain" last night as it emerged that more that more than one in ten educated Britons are leaving the country. An international study found that 1.1 million men & women with higher education qualifications are now living overseas in other developed countries.-10.3% of the total.
The Organisation for Economic development said that the "brain drain" was far greater than in the UK than any other 29 leading member countries. More than 5 million people born in Britain now live abroad. This equates to one leaving every 3 minutes. This is a repeat of 1978 and the last Labour administration. Then Thatcher came in & incentives were given to stop the "brain drain". One such was 
Regulation 19 (1) of the Social Security (Contributions) 1979 which allowed benefits in kind as described on our page 8. Soon all we shall have left are tax collectors trying to invent collections on benefits previously allowed. This myopia has led to distrust of the laws and the fear of retrospective collections.  This irreproble damage is leaving the country bereft of talent because of the envy of the talentless. Will the last person to leave our shores please remember to turn off the lights.
The Pimps of The Financial World

We have received a letter from Solicitors Acting for Handley Roberts in regards our Former article entitled THE PIMPS OF THE FINANCIAL WORLD we reproduce the letter below plus our response:


Our ref: JM/HAN0047
From: Thompson Sherwood
6 Marlborough Place,
Brighton,BN1 1UB
22nd July 2005

Re: The Pimps of The Financial World

We act for John Handley and Handley Roberts in which Mr Handley is a partner. We understand that you are the author of the article " The Pimps of The Financial World" the contents of which our clients consider to be defamatory.
The material concerned is as follows:
The Pimps of the Financial World
is an article on how Handley Roberts, a firm of Chartered Accountants with offices at 1, The Courtyard, Chalvington, East Sussex. and a Former Director of Croxtons Ltd, Charles Sayer have acted in regards their dealings with the other staff and shareholders of Croxtons Ltd to try and deprive them of the hard work put in by them.......... This is because Handley Roberts has tried to repress the Truth with Trinity Mirror........
One of the client companies' who placed carpet business was Handley Roberts, a firm of Chartered Accountants with offices at 1, The Courtyard, Chalvington, East Sussex. Knowing full well about the Croxtons Ltd, set-up they asked that the Croxtons Sales Team could market the Capitol Loss Scheme, which they administered. This was in February 1996.

The Sales team duly obliged and over the next few months introduced, at least 59 interested professional groups to them on a regular basis. Despite many letters Croxtons Ltd had to write regularly to establish the situation on this scheme, as there was much negotiation with the Inland Revenue.

Suddenly in early 2005 we found out that a settlement had been agreed with the Inland Revenue. You might find that our ageing Sales Team were all smiles. You are wrong. For suddenly Handley Roberts announced, after 8 years, that they had no agreement with Croxtons Ltd....

......on the minus side the Consultants who had spent many hours making money for Mr.Charles Sayer and Mr. John Handley have been deprived of the fruits of their hard work.

Mr Handley has asked Drummond & Co to prove what business was written through Croxtons Ltd through the professionals introduced.

Only he knows the answer to that question. The article is written in the hope that those that actually wrote business on the Bereich Berger Trust transfer of beneficial interest identify themselves and provide the hard working agents with the evidence on which to confront Messrs. Sayer and Handley.

Our clients consider this material to be defamatory because:
a) The material concerns them directly - Mr Handley and his firm are named on several occasions; and
b) The statements lower Mr Handley and his firm in the estimation of right thinking members of society generally and/or disparage them in their profession or business by falsely alleging that they have deprived others of income and have acted deceitfully.
c) Specifically, the article suggests that Handley Roberts intends to keep all commission to itself and plans not to pay those who introduced clients and worked on the scheme. This is not true - Handley Roberts has placed the commission in a deposit account to be distributed to all those who made introductions.
d) Further, the article implies that Handley Roberts contracted with Croxtons and is now trying to shirk its responsibility to pay them. This is simply not the case; Handley Roberts did not contract with Croxtons, but contracted with Mr Sayer as an independant individual. At no time did Handley Roberts instruct Croxtons to carry out work on its behalf.
In accordance with the Pre-Action Protocol for Defamation, we request you do one of the following:
Either remove the article from all the service providers with whom it is posted and from any other places where it is published within 7 days of the date of this letter,
Respond to this letter of claim by 1 August 2005, stating whether or not the claim is accepted, whether more information is required or whether it is rejected. If the claim is rejected you are required to give reasons.

If you fail to comply with this request, you will be in breach of your obligations under the Pre-Action Protocol and we shall seek injunctive relief from the Court to secure the removal of the defamatory material. We shall also bring a claim for damages.
We look forward to hearing from you.
Yours Faithfully
Thompson Sherwood.

Thompson Sherwood is regulated by the Law Society

Drummond & Co
16 High Street, Chard, Somerset TA20 1QB
24 hour Hotline  Tel: +44(0) 845 868 2810
Fax : +44(0) 845 862 1954

Email: michaeldavey@ukinformedinvestor.co.uk
Website: www.ukinformedinvestor.co.uk

Thompson Sherwood
6 Marlborough Place,
BN1 1UB 
Saturday, July 23, 2005
Your ref: JM/HAN0047

Dear Sir/Madam,


Thank you for your letter dated 22nd July 2005 the contents of which are noted.
We shall be pleased to comply with your request to remove the existing article “The Pimps Of The Financial World” during the next few days.  You may or may not be aware that the article was forwarded to Handley Roberts before publication and they were invited to reply and/or disclose.

In the circumstances the article will be replaced with a verbatim copy of the correspondence, including your letter in full. You have failed to show us any points in our article that are not true. Your clients have been written to on several occasions asking for disclosure of the business transacted through the introductions made by Croxtons Ltd through myself. This they have failed to provide.

Further we have provided them with a list of over 50 other professional bodies introduced to them in regards to this “Capital Loss Scheme”. They were quite willing to accept those recommendations but have been unwilling to DISCLOSE how they utilised those introductions. Even when provided with three actual cases they have failed to respond. If our article was considered defamatory the publication of the correspondence will allow the public to decide on the facts.
Sincerely yours,
Drummond & Co

Blair ISLINGTON BOROUGH COUNCIL    (where Tony used to live) refuse tenants their legal rights and try to evict when they are in fundamental breach of contract, then crush her car 3 days after agreement reached. Aren't you glad you moved Tony ? or does Mr Riley crush cars in Downing Street too?

Islington Council

The practice of intimidation and negligence does not only take place in the private sector.
A disturbing case involving Islington Borough Council has also been brought to our notice. This involves a tenant of over 15 years standing.

Obviously every lease with a council has a clause in it whereby the landlords must keep the premises in good repair and once notified of a defect should repair it. Such a defect are holes in the roof. In the case we are going to relate the holes in the roof were reported to them in August 1999 and now, FOUR years later, as of September 5th 2003 the repairs have not been completed.  Although a Mr Hudson actually turned up on September 4th 2003 to inspect the property.  In that time considerable damage has been to the tenant's property, her heating bills have increased and she has ended up under the local health authority for stress and anxiety which made it impossible to work.

Now the Islington Borough Council are taking her to court to evict her for not paying £2.70 per week of her rent. Over a period of over a year the legal department of Islington Borough Council have refused to deal with her representatives on the pretext that they have no authority to do so. Such authority was sent by the tenant over a year ago.

Further they have a practice of erroneously serving council tax summons on people and they refusing them access to defend their cases in front of magistrates.
This they did to the same tenant in June 2000 and although the tenant and her representative immediately went round to Islington Town Hall and lodged a complaint no action has been taken.


Even the Mayor of Islington, Joe Trotter, at that time informed the tenant that he was passing the matter to Louise Round, the head of the legal services at Islington Borough Council. Louise Round has failed to respond in the same way as her department has failed to respond to the tenant's claims for damages to her property, excess heating & cleaning bills and compensation for the stress caused and the medical condition created by their actions.

The tenant's claim is for in excess of £30,000 whilst the eviction is over £2.70 per week! The people who are guilty of this state of affairs are :
Louise Round- Director of Law and Public Services and her assistants
Raj Pathak and Ms Thalmarajah as well as Chris Brunning in their  Northside Housing Office. 

As of the 18th of November 2003 an agreement was reached whereas the London Borough of Islington withdrew their eviction order and agreed to pay £3000 to the tenant. Further a recorded conversation was held between the legal department  of Islington Borough Council and the tenant's representative in whichthe Council agreed that the tenant retained her parking space outside her abode and any amounts outstanding were to be taken from the £3000. 
Unfortunately for the tenant the document she signed on November 18th 2003 just said that she could re-apply for her parking space. 

Throughout the period of dispute there had been a sign on the Citroen car saying that the parking space was subject to a dispute and any action was sub judice. The so-called parking representative a Mr Riley in the Northside office was kept informed about this by the tenant's representative

 He was also contacted by the legal office of Islington Borough Council about the agreement and the price to be paid. So what does this Riley do? He orders that they car is to be taken away and crushed.
This happened on the morning of November 21st , just three days after the agreement was signed.

On noticing the car was gone the tenant phoned round and also spoke to the police. The Police were so disgusted that their officer stated that he would use it in police lectures. Riley's first comment was that " He had forgotten to order the crushing to be stopped!" The legal office of the London Borough of Islington also tried to ascertain what had happened.

The legal office have now written to state that they take no responsibility.  

Around the estate where the tenant lives one can regularly see burnt out cars, smashed telephone boxes and the Lamb Hotel ( established 1855) has had to shut because of the local vandals. 

It is obvious to our reporter that those vandals are only taking their example from Mr Riley, the car smasher from Islington Borough Council.

He had been clearly notified of the legal position over many months, but feels that he can bypass the legal system and both remove and smash third parties' possessions. In case our article is considered racist by Ms Round ( see below) we must protest that we are unaware of Riley's colour, creed, political bents or his sex. We only know that, with the knowledge of the tenant's medical condition and the efforts made by all to assist his actions are not in tune with this season of goodwill.

This article is being sent to the Islington Borough Councillors, the local Member of Parliament and the Mayor of London.  We want to know how Islington Borough Council can explain why this man still works for the London Borough of Islington, or if they condone his actions. If any readers of this article can give further details of this type of action in the London Borough of Islington please call ourselves.


The following is a letter received by fax on our article!!!

Islington Crest ISLINGTON
Law and Public Services
Louise Round - Director of Law &
Public Services

Mr Davey
Drummond & Co
16 High Street

Legal Services
Town Hall, Upper Street
London Ni 2UD
T 020 7627 3306
F 020 7527 3267
DX 122230 Upper lslington
Please reply to:
Louise Round
Our ref: LE/mm
Date : 9 September 2003

Dear Mr Davey

Re: LBI v Tenant — CKI 13900

I have been passed copies of your recent correspondence with Mr Raj Pathak.

You should note that cases in the Magistrate’s Court regarding Council Tax matters are dealt with by the Finance and Property Services Department and, accordingly, your complaint to the Mayor dated the 8th February 2002 and received by me on the 9th February 2002 was referred to that Department by me on the 10th February 2002. Similarly, Right to Buy issues are the responsibility of the Housing Department and I have passed details of the allegations you have made to that Department.

Notwithstanding that many of the issues you have raised in your article do not relate to the work of this Department and have little or no relevance to the proceedings for possession instigated by the Housing Department, I will endeavour to provide you with a response to all the issues you have raised in your article on the website by the end of the week.

The article on the website is defamatory of the four named council officers. The words "Have you tried that amazing restaurant in Highgate Village? It’s called ‘The Last Days of the Raj’” cause me great concern. Not only are they defamatory of Mr Pathak but they are threatening and suggest that serious harm may befall Mr Pathak. They also amount to harassment within the meaning of the Protection of Harassment Act 1997. I believe your comments may also be motivated by race which would render the harassment under the 1997 Act racially aggravated pursuant to Section 32 of the Crime and Disorder Act 1998.

The Council has a duty to ensure the welfare of its staff and is unable to tolerate the comments made on your website.

The following information is provided pursuant to Paragraph 2.3 of the Practice Direction to CPR 53 and this letter should be treated as a letter before action prior to a defamation claim being made.

1. The Council alleges that the words “The people who are guilty of this state of affairs are…”, together with the general tenor of the article, convey the notion that the named officers have behaved improperly or negligently in the course of their employment;

2. The Council alleges that the words ‘The last Days of the Raj’, together with the general tenor of the article, and apart from being pejorative and insulting, convey the notion that Mr Raj Pathak has behaved in a way which has been improper and/or otherwise negligent so as to put his contract with the council at risk.

If you do not confirm by 5.00 p.m. on Wednesday the l0th September that these defamatory/racially motivated comments have been removed from your website, the Council will take such action (including an injunction under the Protection from Harassment Act 1997, the Crime and Disorder Act 1998 and for defamation) without further notice to you.

Mr Pathak is no longer dealing with this case and you should address no further correspondence to him. Mr Jonathan Wragg is now dealing with this matter and all further correspondence should be addressed to him.

Yours sincerely,

Louise Round
Director of Law and Public Services


lawyer Response to Louise Round
From the Editor: www.ukinformedinvestor.co.uk

As editor of the Informed Investor I have read your letter to Michael Davey and can only presume you have some sort of racist fixation. Our article was completely based on fact and we have seen the full correspondence on this matter.

It is obvious that until August 20th 2003 no one in your department had  dealt with any of the points put to the London Borough of Islington both by the tenant  and Drummond & Co. If that is not negligence or something far more serious then please advise us what it was.

Whilst you select the staff that work for you telephone calls to both Ms Thalmarajah and Mr Pathak were dealt with in an arrogant and offhand way and we have the right to comment on this. If it is defamatory it is because their actions have warranted such. As for your paragraphs about harassment we have no idea about the ethnic background of your staff and even if we did it  would never alter anything we write about the facts. My own background would actually make it impossible for me to utter any racist feelings against Mr Pathak or any other minority race. We believe that you are so busy trying to 
bluster your way out of the way this case has been conducted that you are  just
trying to sidetrack onto a non-existent situation. 

If you can not tolerate the comments made on our site then we shall be  pleased to report that you have corrected the situation and we shall then be pleased to commend you on admirable actions. I look forward to doing such, for I am sure that you too want to see a fair and just outcome.

Martin Geppert
Editor www.ukinformedinvestor.co.uk
and syndicated sites

 We are sure that readers will not be surprised by such a letter. Do write in & tell us your observations.  We have of course replaced the recommendation for a restaurant elsewhere in the Informed Investor. Then the above letter says far more than we ever imagined such a recommendation could mean and none of the above allegations were ever meant in anyway or imagined by the author.  However worked up the writer is about members of her staff it is most surprising that she lacks the same interest in residents being persecuted by such staff, especially Mr Riley in the Northside Housing Office.

The Informed Investor and/or Drummond & Co can not be held responsible for publishing the views of public officials.





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•  Exceeding your agreed limit
   We could claim it back - NO WIN, NO FEE *

Credit card providers make billions of pounds every year from people just like you. They attach excessive charges at every available opportunity and it's not fair. They could owe you thousands.

The OFT Action

In July 2007 the OFT and the major High Street Banks have agreed to see each other in court to sort out the bank charge revolt once and for all.  This will result in a test case.The action has caused a surprise to the consumer watchdog industry and has put the claim process to reclaim bank charges to thousands of consumers in doubt who are waiting for a re-fund.  The current thinking is that all claims whether in or out of court will be halted pending the test case.

What Should You Do Now?

If you have already made a complaint - it is likely that your claim for bank charge refund will be frozen pending the outcome of the test case.  If an offer has been made and you have accepted that offer, the bank would be bound to honour the agreement under the normal rules of contract.

If you have already taken Court Action - there likely to be a direction from the Courts that all actions will also be frozen.  This is usual in test cases as this will save court time, costs, duplication of work and a prevention of conflicting court judgements.  Cases will then be reviewed once a final decision from the test cases are handed down.

If you have not made a complaint to date - it is our advice that you should contact us and make a formal claim now.  If the test claims win at court, as you have registered your claim, it will help speed up the claim process.  In simple terms you are more likely to be paid out earlier.  We cannot make any guarantees but in our experience in test cases this often happens.  Groups of claimants who have been waiting longer for the test case to conclude would normally be those who are paid out first.  We would imagine that if the test case is successful there would be a mass of people putting in claims which would result in severe delays.  You should register with us now by contacting us on 0870 794 2180 or email:  info@ukinformedinvestor.co.uk and we will contest the charges. (UK Only)

Cap Quest Beware there is a Wolf in Sheep's clothing emanating out of Fleet in Hampshire.  The latest trick being perpetrated by a Debt collection Company named CAPQUEST DEBT RECOVERY LIMITED is to make out that they are "The Post Office" trying to deliver to unsuspecting people.Aanother of their staff tried to make out he was T-Mobile with an offer.The dossier in response to our article on Capquest is very full & we shall be handing it to the relevant authorities.  Now for the second time the BCW Group plc are doing the same through their Buchanan Clark + Wells in Stratford upon Avon, calling themselves "The Telegramme Company".  Now as you will see below Cabot Financial (Europe) Ltd are trying the same ruse.

We are also disgusted by a letter that CAPQUEST DEBT RECOVERY LIMITED are sending out entitled "Letter Before Action" which they are intimidating debtors with. We shall shortly be publishing a copy of this letter and the way it should be legally dealt with so that these moneylenders should be struck off!!! In fact we are receiving many complaints about these people which we are forwarding to the Office of Fair Trading.

THIS IS A STING and an offence as they are pretending to be something they are not. - if this is tried on you report them immediately to the local standards authority in Hampshire, Glagow and Warwickshire or contact:
Andy Lowther ,Office of Fair Trading ,1C/015 ,FREEPOST ,London, EC4B 4AH

 NAMED & SHAMED - The Companies:
CV32 5QP
Type:    Private Limited with share capital
Incorporation Date:    18/05/1999
Status:    Small unquoted company filing only a modified balance sheet
Last Accounts Filed:    31/03/2005
Last Accounts Analysed:    31/03/2005
Buchanan Clark & Wells Ltd

Type:    Private Limited with share capital
Incorporation Date:    24-09-2001
Status:    Non-trading company
Last Accounts Filed:    28-02-2006
Last Accounts Analysed:    -


Type:    Private Limited with share capital
Incorporation Date:    09-07-2004
Status:    Small unquoted company filing only an abbreviated balance sheet
Last Accounts Filed:    31-07-2005
Last Accounts Analysed:    31-07-2005

ACTION : GET Michael Daniels, Gary Gilburd, Joseph Arthur Dlutowski Paul Mcquilkin and Mark Andrew Brunault, the Directors of Capquest,  ARRESTED FOR HARRASSMENT under
 This is a CRIMINAL Act which can lead to 6 months imprisonment and/or a level 5 fine.

We have recently been informed of a case with Capital One where a disabled person has been persued for a debt on one of their credit cards. This lady in Lincolnshire NEVER activated that Credit Card. Yet despite many letters to Capital One they have endeavoured to sell this debt on to Lowells and CapQuest. Lowells sent it back to Capital One. CapQuest have so far passed it on to both Scotcall & ccscollect of 797 London Road, Thornton Heath, Surrey CR7 6YY   . On behalf of the client we are passing this matter onto the police under s.2 Prevention of Harassment Act 1997 in regards CapQuest naming: Mr. Mark Brunault (CEO) and  Gary Gilburd (Head of Credit Collection) of CapQuest Debt Recovery Limited, Po Box 336, FLEET, Hampshire, GU51 2WA  as well as KEITH JOHN STEWARD  , MRS MARIE ANN MOFFATT  , ELIZABETH AGNES LONGHURST  , ALFRED ERNEST LONGHURST  , JON GODBOLD , &  ALAN HOWARD LONGHURST  of  ccscollect of 797 London Road, Thornton Heath, Surrey CR7 6YY


Capquest Group Ltd. is a UK company that buys other peoples' debts. This is their main business. They buy these debts for pennies in the pound, and then try to claim the full amount. Unfortunately, it's not illegal.

However, what Capquest do in many cases, is illegal. They contact people and claim money when no legally enforceable contract exists. They bully and harass their victims, sometimes telephoning up to 10 times a day - and keep this up for weeks or in some cases - months.This is
HARRASSMENT under PROTECTION FROM HARASSMENT ACT 1997.  This is a CRIMINAL Act which can lead to 6 months imprisonment and/or a level 5 fine.

They refuse to provide copies of relevant agreements and use illegal tactics.

They use solicitors' headed notepaper to scare you, but you can find out how to complain to the Law Society about this. Challenge this company, don't pay money when you don't owe it.
They send out letters resembling telegrams, from a company they own called Telogram Ltd. They don't identify them as being from a debt collector.

They're bullies - and the only way to beat them is to stand up to them and have the perpetrators arrested and convicted. You'll find all the information you need here to do it.

Capquest is supposedly a British company, but is jointly owned by two overseas companies, Blue Ocean Investments, registered in Luxembourg and BRUinvest registered in the British Virgin Islands. The ultimate controlling party is Blue Sky Trust, a Bahamian company.

Why is this? So they don't pay any tax, there is no other reason. And yet the Royal Bank of Sgotland and other lenders gontinue to utilize their services. Doubt if the Tax man will see much from these parasites. These types of company usually move 'loans'around their companies and never show a profit, and so pay no tax. This tells you about Capquest and the type of company it is. Reputable? What do you think? Time to close them down!

The British 'director' (or puppet, as some might say) in charge is Michael Daniels, but the strings are pulled by two characters called Joseph Arthur Dlutowski and Mark Andrew Brunault who are American 'vulture capitalists'. Both with a history in the sub-prime loan market and the desire to make a quick buck.

They're struggling, so challenge each and every demand they make. Make them work for their money. Never speak to them on the telephone, always write to them. Block their number or have it diverted to either the OFT or the police.

If they contact you, use this letter to challenge the alleged 'debt'. Write to them, using the letter below. Send it by Recorded Delivery and enclose a £1 postal order in payment of the statutory fee. If the debt is older than six years and you have had no contact in that time, then use the letter here.

Michael Daniels,
Capquest Group Ltd.,
Centaur House,
Ancells Business Park,
Ancells Road
GU51 2UJ

Dear Sirs,

Yr. Ref.

I do not acknowledge any debt to your company.

For your information, all communications regarding this matter must be in writing for Court use. Personal callers will neither be admitted nor spoken to. Telephone calls will not be answered or acknowledged. If your telephone calls continue, they will be taken as HARRASSMENT under PROTECTION FROM HARASSMENT ACT 1997.  This is a CRIMINAL Act which can lead to 6 months imprisonment and/or a level 5 fine. I shall therefore report you personally to the police.

You are required to supply the following before I will enter into any further correspondence with you.

1. You must supply me with a copy of the agreement you refer to. This is my right under your obligation to supply a copy of the agreement which is s.78 (1) CCA 1974 (s.77 (1) for fixed sum credit) - your obligation extends to providing a statement of account. I enclose a £1 postal order in payment of the statutory fee.

2. You are also obliged to supply a copy of the deed of assignment of the above referenced agreement.

3. You are notified that you are obliged to supply these documents, whether you are the original creditor or not.

Failure to comply with my request will result in a report being submitted to the relevant statutory authority.

I await your response in writing.

Yours faithfully,

Use  this letter for debts older than 6 years for which you have had no contact.

Michael Daniels,
Capquest Group Ltd.,
Centaur House,
Ancells Business Park,
Ancells Road
GU51 2UJ


Dear Sir 

Re: Account No/Reference No:

No debt is acknowledged to you. You have contacted me regarding the account with the above reference number, which you claim is owed by myself.

I would point out that under the Limitation Act 1980 Section 5 “an action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued.” If your telephone calls continue,they will be taken as HARRASSMENT under PROTECTION FROM HARASSMENT ACT 1997.  This is a CRIMINAL Act which can lead to 6 months imprisonment and/or a level 5 fine. We shall therefore report you personally to the police.

The last payment or acknowledgement of this debt was made over six years ago and no further acknowledgement or payment has been made since that time. Unless you can provide evidence of payment or written contact from me in the relevant period under Section 5 of the Limitation Act, I suggest that you are no longer able to take any court action against me to recover the alleged amount claimed.

I await your written confirmation that no further contact will be made concerning the above account and confirmation that this matter is now closed. If you do not supply such confirmation, I will be making a complaint to the statutory authorities.

I look forward to your reply.

Yours faithfully

(Your signature)
Michael Daniels' home address is 9 HIGHLAND DRIVE , FLEET HAMPSHIRE  GU5 12TH
He is also a director of both Telogram Ltd, 193 Fleet Street,London EC4A 2AH and also FTC Contact Centres Ltd,Chapel House,High Street,Yiewsley,West Drayton,Middx,UB7 7BE.

We are preparing a full dossier on Capquest to pass on to the authorities. If you wish to be added, have comments or require assistance in dealing with them please contact the Watchdog Team at the UK INFORMED INVESTOR.


BCW Article in the Times in 2004 on BCW Group
otherwise known as The Telegramme Company
 "Founded in 1983 by a 23-year-old entrepreneur, BCW Group, the UK’s leading corporate debt collection and credit management company, has a culture of hard work yet avoids undue stress. Only 22% of staff say they are under so much pressure they cannot concentrate, the 11th-best score in our survey. A good giggle at work makes many staff feel good about their jobs: 85% say they have a laugh with their team-mates.

Since September 2002 staff numbers have increased by 46% and last year BCW Group was voted the fastest-growing organisation in the financial and business services sector in the UK’s Hot 100.
The company, set up by Paul Fraser, the managing director, has a head office in Glasgow and outposts in Leeds, Manchester, Birmingham and Dublin. Salaries are reviewed twice a year and 63% of staff believe they are paid fairly for their responsibilities. Regular bonuses have been abandoned in preference to raising pay across the board, and a collections adviser can expect to earn an average of £13,500.

The company offers its employees an average of 50 hours’ skills training each year, according to job level, with assessments every six months to determine training needs.

One-third of staff at BCW Group are entitled to performance-related pay, most recently between £1,000 and £2,000. Everyone working for the company is given life insurance and private healthcare, which includes their spouse; 20% have cover for their children as well.

Services on site for UK workers include snacks, showers, legal advice, financial advice, clubs, immunisations and an optician. Small prizes are given for attendance based on a points system and good ideas are rewarded on a sliding scale from a bottle of champagne for the idea of the month, to a week in the company villa for the idea of the year. Free fruit is provided daily for all staff and there are chill-out areas where meals can be enjoyed in comfort.
The hard-working but relaxed atmosphere rarely interferes with the employees’ home life; just 27% say work gets in the way of their family responsibilities and seven out of 10 say they are happy with the balance between work and home."
And still they come- abusing the law -Thinking they are a sting operation. There is a company called CABOT FINANCIAL (Europe) LTD, of PO Box 241, West Malling, Kent ME19 4NA. Tel: 0845 0700116 - their main operation it appears is to buy up outstanding debts from other banks and credit cards and then try their expertise in getting an agreement from the unsuspecting debtor. We have tried to negotiate with them but they won't go under 50p in £ ( Despite the fact they paid a fraction of that to purchase the debt). Our advice is not to negotiate with them ( They are not your friends) but go straight to court and get disclosure of how much they paid for your debt- then leave it to the judge to decide. Believe us you will come out far better. Remember under the  CONSUMER CONTRACT REGULATIONS 1999
they will have to prove that the amount of work done is commensurate with the difference between the purchase cost of the debt and the amount they are trying to collect.
Now, of course, like the two companies mentioned above they are purporting to be  The Message Service Ltd, Registered Offices at Glebe House, 2 Clifton Road, Rugby CV21 3PX. (Do not respond to messages from them).
THIS IS A STING and an offence as they are pretending to be something they are not. - if this is tried on you report them immediately to the local standards authority in Kent and / or Warwickshire or contact:
Andy Lowther ,Office of Fair Trading ,1C/015 ,FREEPOST ,London, EC4B 4AH

Ally Soper Ally Soper was the hero of UK Comics between 1880 and 1920 when it was GREAT Britain. We have revitalised him to be the custodian of our British Way of Life. He shows the anomolies of Politically Correct Britain.
Do you know that you cannot claim on a credit Card Insurance on HBOS if you have to give up work to care for a Same-Sex partner ?

If Islamic fundermentalists believe so much in Islamic law in Great Britain shouldn't they be judged  and punished by that law for crimes commited in Great Britain ?
Maybe it is best to send the Policeman, who confiscated a Cricket Ball at Baker Street Station on the grounds that it was a  dangerous weapon, to Australia to confiscate the ball used by Shayne Warne.


 Have you had one of those letters through the post from Capital One Bank (Europe) plc stating that they will give you a credit card even if you have had problems in the past?

Well one of our writers got one a couple of years ago. He was told that he could get credit between £200-£2000. He applied and was given £200 Mastercard by the aforementioned bank. For this privilege he would have to pay some £28+ per annum fee + interest at 1.53% per month.  To help matters he also signed a Direct Debit so that the minimum would be covered and so that his account was managed properly.

At the end of 2003 he had an outstanding amount of £185 and his Direct Debit in place. So what did this bank do? They deducted their annual fee and then stated that our colleague was “ over limit”.

Because he was “over limit” they were going to charge him £20 a month for being so. In the interim my colleague received a new card. When he attempted to activate the card he was refused. So now we have a bank charging him an annual fee for a card he cannot use and on top of not providing a service they are fining him £20 a month for not paying for the service he has not got.

So for borrowing £185 he is being charged £28+ annual fee + £20 per month + interest of 1.53% on the fictional amount he owes. So in a few weeks they manipulated the debt from £185 to £516.  These are unfair terms under the Consumer Credit Regulations 1999. Despite three telephone calls and four letters Capital One Bank (Europe)plc write saying “ The current status of your account is being recorded with external credit reference agencies and may affect your future ability to obtain credit.” The root cause was that Capital One tried to take an extra £28 out of the Direct debit erroneously and caused the Direct debit to be refused.

We have directed our colleague to report this matter to the Banking Ombudsman and to stop his Direct Debit to these money grabbers. Have you had similar actions like this? If so we would like to hear about them and publicise these goings on.

It is about time that their licence is revoked. We know t
hat the FSA read our publications and trust they will deal with this matter, as they did to Capital One for the mis-selling of insurance protection policies recently.

 The following have written and/or called my colleague in regards this matter and been told the facts. So what do Capital One do? Pass it on to the next one of the usual suspects.
Claire Bowley, Operations Manager, Executive Office, ERC Dept.,, Capital One Bank (Europe) plc, PO Box 5281, Nottingham, NG2 3HX Monday, March 15, 2004
Richard.D.Fairbank Esq. Chairman & CEO, Capital One Bank (Europe) plc, 350 Euston Road, London, NW1 3JJ  Sunday, March 21, 2004
Mrs.J.Hart Scotcall Debt Collecting Services Spectrum Buildings, 3rd Floor, 55 Blythswood Street, Glasgow, G2 7AT
CapQuest Debt Recovery Limited, Po Box 336, FLEET, Hampshire, GU51 2WA   Monday, 18 July 2005
Keppe & Partners Solicitors, Debt Administration Office, Centaur House, Ancells Business Park, Ancells Road, FLEET GU51  Thursday, July 28, 2005
The CEO,, Robinson Way & Co, Customer Accounting Centre, London Scottish House, 24 Mount Street, Manchester M2 3LS
November 02, 2005
The CEO, Buchanan Clark & Wells, 11 Elm Court, STRATFORD UPON AVON, CV37   Friday, December 09, 2005
Adrian.M.Organ Esq. Geoffrey Parker Bourne, Solicitors, 7-9 Union Street, STRATFORD UPON AVON, Warwickshire. CV37 6QT Friday, December 09, 2005
The Managing Director, Earlsford Limited, Earlsford House, Vanguard Court, SLEAFORD, NG34 7WL Saturday, 25 March 2006
The Managing Director, Equidebt Limited, Equity House, Ettington Road, Wellesbourne, Warwickshire,  V35 9GA Saturday, 15 April 2006
Nigel Beaven Esq, Collections Adviser Lowell Finance, Po Box 172 Leeds LS 11  29-January-2007
 Any further "SUSPECTS will be added to this list. My colleague is not prepared to keep writing to these companies with the same letter. They will be referred to this article.
We recommend all those being persued by Capital One write back & ask them to explain their charges in relation to the CONSUMER CONTRACT REGULATIONS 1999 . Maybe they will get a response.

We specialize in challenging Banks & credit Card Companies in regards their charges on credit cards and charges for bouncing cheques and Direct Debits. In most cases these charges are disproportionately high and it is likely that these Companies are conducting unfair terms under CONSUMER CONTRACT REGULATIONS 1999 .  Further in many cases they have been taking insurance premiums to cover debts if the creditor loses his/her job, but still chase the creditor when they may have collected an insurance payout.

 Further under the
 BILL OF RIGHTS 1689 ( reg.12) all grants and promises of fines and forfeitures of particular persons before conviction, are illegal and void. So don't be thrown by parking fines issued by wardens or on the spot speeding fines. You have not been convicted.   Do not accept these charges contact us on 0870 794 2180 or CONTACT US CLICK and we will contest the charges. (UK Only)


PRIVATE Enemy No:1

Have you been ripped off by a company ? or are you finding it impossible to get back-up service? The Informed Investor is now compiling a table of companies who provide bad service or fail to meet their commitments. This table will be used as a warning to potential new customers not to utilize those companies. This gives you the consumer the opportunity to blacklist those companies. Our Directory will be online for all to view.

Included in this regular survey we are particularly interested in people who have had their credit ratings erroneously marked for no reason whatsoever pertaining to themselves. Especially where a black mark is against an address in regards to former residents. We hope to set up a service to assist such people get damages from the perpetrators of such actions.

Send your grouses to:


Help Other Consumers !

Help other consumers avoid the same pitfalls that you have experienced... 

• Email your grouses to the Private Enemy No.1 column totally public, free, searchable database

The entire world can read your grouses !

See the  Selected Grouse

Help Yourself !

Send your complaints to businesses... 

• You provide the e-mail address (you must register with an informed investor email account)

• The business is notified that your complaints have been posted for public view at Private Enemy No.1

Giving you, the consumer, greater clout in getting a better result to your grouses !

Private enemy No.1 helps put Consumers in Control  to get Better Customer Service 

Our first line of investigation is in regards to what was many years ago known as "Rachmanism". Rachman was a landlord who exploited his tenants and used both fear and extortion. Basically some of the safeguards for tenants which were put into force to combat landlords being oppressive against tenants have been eroded by utilizing laws and methods unbefitting the trade.

We have already received several letters in regards this. Some of the common practices include:

  1. Not letting Tenants know their rights
  2. Completely ignoring tenants rights proscribed by law
  3. Making living conditions extremely uncomfortable for tenants so that they leave giving up their obvious value in the properties.
  4. Buying up freeholds and long leaseholds without allowing tenants their rights of first refusal
  5. Failing to perform their contractual obligations
  6. Demanding excessive dilapidation's which in many cases are incumbent upon the landlord to perform themselves

The intimidation of old and 
defenceless people by bullying 
landlords must be rectified.
Here we tell you about
Daejan Properties Ltd. 
part of the
   Freshwater Group and
Islington Borough Council


You may remember some time ago that we promised you more about landlords who utilise the law to maximise profits. One such group has for many years become the scourge of the elderly.  They are Daejan Properties Ltd. part of the Freshwater Group.     Those who are a little older may remember that William Stern, who was married into the the Freshwater family was the biggest bankrupt of his time.  We mention this because the case we are relating to you included the unfortunate elderly lady losing her savings with Mr Stern's failed insurance company Nation Life.

An elderly widow had lived in her flat in central London since 1951. Throughout that period she had always paid her rent on time. Originally she had a series of leases but in the latter years of her life she had become a statutory tenant. She had always been on good terms with her landlords and had found them helpful. As with older blocks of flats in Central London these Victorian blocks came under the eye of the new breed of landlords.  In 1987 the widow's husband passed away. He had always looked after the family arrangements. At that time the block of flats, known as Bickenhall Mansions covered a large area in Baker Street with over 200 flats.

Bickenhall Mansions

The flat in Bickenhall Mansions on which Daejan Properties deprived a widow of £370,000 of equity

In the early seventies the then landlords split the flats up under groups of about 30 and created different owning companies.
 Those companies were then sold on and each flat had a 125 year lease on it. Here the fun began because there were three different types of residents. There were those who had purchased their flats, those who were owning flats and letting them, and there were leasehold and statutory tenants. Each of these had different involvement's, which created many problems.

Without going too deeply into that we shall now concern ourselves with a group of 32 flats, of which our widow's was one. They had in 1987 belonged to a property group called Local London. At that time the Housing Act, which gave tenants the right to buy was in place. Local London desired to sell the 32 flats and offered them for tender in groups of 5/6.  Our Widow and another neighbour approached the selling agents with the intention of purchasing their flats. However Local London did not wish to sell them individually. The tendering did not reach the required amounts and Local London went about trying to sell all 32 flats at a cut-down rate to another property group.

In 1988 they sold the 32 flats to Daejan Properties Ltd. At no time did they offer the flats to the tenants as proscribed by law. It was ascertained that the widow's 6 room flat had been sold for £120,500. This was with the widow as a statutory tenant. It's open market value without the widow's tenancy would have been in the region of £500,000 at that time.

 The Widow and her solicitors wrote to both parties stating that she wished to purchase her flat as proscribed by law. The then solicitors for Daejan Properties Ltd (who were later struck off by the Law Society) stated erroneously that statutory tenants had no such rights. The law stated that they did. Then a majority of elderly tenants approached Daejan Properties Ltd. to purchase under their rights. Daejan's reply was to state that they had not bought 32 flats but 32 single flats and they did not have to offer them to the tenant's group.

This was again untrue and substantiated by the selling agents.   The plan was obvious. Most tenants were elderly and there would be substantial profits if they were to leave or die. Further to the inconvenience of the tenants extra penthouses were being built on top of the building. The weight of which were to cause problems at a later date.

In the meantime the widow was 75 years old. Her flat was being neglected by Daejan Properties Ltd. and she had to get a court order for the landlords to rewire the flat because of dangerous electrics. Eventually the workmen came to rewire. At the same time, because of the penthouse development, the flat was on the outside covered with scaffolding which had an outer tarpaulin and all outer windows were then sealed with a see-through polythene. The result of this was that for some nine months the tenants had no air and were subject to dust and debris.

The workmen, who had come to rewire, ripped up expensive carpets and broke expensive chandeliers causing some £20,000 worth of damage. They assured the widow that all this would be put right. It never was. For two years the widow's pleas went on deaf ears. The destruction of her flat had been witnessed by local councillors, who visited the flat whilst campaigning to be re-elected.

After 2 years the widow took legal advice and was advised to refrain from paying rent until the cost of the damage had been recouped. This she did under s.4 of the Defective Properties Act. In turn Daejan Properties Ltd. sued the widow for rent which was well under the £20,000 damage caused by their agents. At this time the widow, now well into her eighties, was suffering from Alzheimer's disease and was medically and legally judged not to be able to look after her affairs. Her son was appointed " guardian ad litem".

Her son answered the summons with a counterclaim for some £370,000. This was made up of the £20,000 owed for damage to her property under the Defective Premises Act and a further £350 of equity in her flat, which Daejan Properties Ltd. had deprived her of (The difference between the purchasing value and the open market value). From the moment that her son was made guardian ad litem he had received no communication whatsoever from either the courts or Daejan's solicitors.

Then one day in November 1993 both the widow and her son were informed by the resident agent that Daejan Properties Ltd. had received judgement to have her evicted. The son appealed against this decision as the counterclaim had not been heard, but was informed by the judge that it was his duty to find out.  So after 43 years an 82 year-old widow with Alzheimer's disease was evicted from her home. Daejan Properties Ltd. had in a few short years of harassment scooped an extra £350,000 plus of value. Nice work if you can get it? Multiply this by the other 31 flats and the many thousands of properties on their portfolio and you start to dream of the profits that have made the Freshwater family the 26th richest in Britain. ( Sunday Times list).
Both before and when the widow was moved her son provided their solicitors with a forwarding address for any future dealings. This address was provided twice both in 1993 and 1994. Again the son heard nothing from Daejan Properties Ltd. or their agents. The Widow moved to another flat near Hyde Park for 12 months and then to a house with her grandchildren from April 1995 - December 1996, eventually passing away in April 1997 after a short spell in a residential home.

Once more however, unbeknown to the son, Daejan Properties Ltd. had obtained in January 1996 from the court a bill of costs amounting to £11,968.66p .  Did they forward this account to her son at the address provided. No, instead it appears they sent it to the address that the widow had vacated in March 1995. So when her son was discharged of his duties as guardian ad litem in April 1997 he had received no word whatsoever of the outstanding amount.

Once a person has passed away all dealings are passed on to the executors of the diseased. Therefore her son had no control over his mother's assets after she passed away. His term as guardian ad litem had by the nature of her death terminated. The document from the courts states that the costs should be paid by the son (guardian ad litem for the widow).  But do Daejan Properties Ltd. go to the executors ? No in the following October they send a processor to the house where her grandchildren are and served a Statutory Demand on her son for the costs. Such a demand can lead to bankruptcy.

Once again Daejan Properties Ltd. had changed solicitors and the son still had no contact from their solicitors at the provided address until the beginning of 2001. He carefully explained the situation and denied responsibility. But did Daejan Properties Ltd. change spots and proceed properly? No in June 2002 they served a statutory demand on an unsuspecting janitor in Somerset. The son accepted the demand, provided an affidavit in reply and attended the Royal Courts of Justice on September 10th 2002. Guess what? Daejan Properties Ltd. nor their agents appeared. The statutory demand was dismissed.

The above article was sent to Daejan Properties Ltd. and their solicitors prior to publication. They have failed to offer a response.

South Somerset District Council Benefits Fraud ? This is being caused because of the Benefit Laws

Down in sunny Somerset, where the cider apples grow, there is growing concern in regards to Benefit law. You may have seen all those adverts in regards to benefits fraud, and that you should shop someone who has not declared their earnings.

But take heed before you shop them. For it must be easier and cheaper to take them to court than to do the paperwork if they declare their earnings.

There is in operation a system called "One". This has combined all the benefits agencies together. So whether its income support, job seekers allowances, housing and council tax benefit or child benefit the various agencies inform each other.

So we have Mr X who is on job seekers allowance and housing/council tax benefits. He has no work and signs on every fortnight and our welfare state pays him and his landlord. Then fortunately he gets offered two hours work for £200. Being truthful and honest he declares it. Suddenly the job centre lists him as self-employed and do not pay him any allowance for that week, but continue to pay him thereafter. He does not lose his long term benefits and remains on the the job seekers register.

All very simple. No it isn't for it seems that down at the South Somerset District Council Offices he is now listed as no longer being on benefits. So when he gets his benefits the following week he has to make a completely new application for housing/council tax benefits. This entails filling in an elaborate form, enclosing identification, bank statements, employment statistics. The Council Staff then have to completely reprocess the job seeker as a new applicant.  In the interim demands for the full year's Council Tax go out and his landlord is informed that housing benefits have stopped.

To earn £200 and then because of your honesty to get a Council Tax demand for £640 and the prospect of having to pay an extra £300 per month in rent as well as not receiving the £50+ per week job seekers allowance is frightening. This is without the hours spent filling in forms, if they can be understood. Is this the Peter Principle gone mad?

This has been taken up and letters have been written to the head of the UK Job Centres, the Director of Resources at South Somerset District Council and with the local MP David Laws. Acknowledgements have been received by all. 

The local job centre stated that they had informed the South Somerset District Council that the applicant's claim for job seekers allowance was not terminated and there had been a continuous claim for some ten months. The Benefits Manager in Yeovil for South Somerset D.C states " I agree that this red tape conspires against those genuine people who are prepared to take work whenever they can. Those honest people become entangled in a bureaucratic web of nightmare proportions. I, and many of my colleagues, have made representations to Government about this, and other aspects of these regulations, on many occasions."

The local Member of Parliament, David Laws MP states " I think that there are two problems here- firstly it seems that an error has been made between the Job Centre and the South Somerset District Council Offices. Secondly, you are right in saying that the Government rules for benefits and incomes are very strict and they often make it difficult for people on benefits to earn small amounts of supplementary income. This is actually an issue that the District Council Benefits Manager has highlighted to me, and I have written to the Government about this matter."

If you follow what is happening down the line it is obvious that the cost of this in terms of people hours and wages etc. far outweighs the amount of revenue lost if the applicant had been dishonest.

Further evidence of the comprehension of company law and disclosure has been shown recently when an "investigator" from South Somerset District Council came without appointment to question the aforementioned Mr X, a housing benefit recipient in his 60s,  renting two rooms in a house owned by a property company.

This investigator, appropriately named Peter Fear, did not enter the the recipient's premises but the general vestibule. On the wall of that vestibule were a list of registered companies belonging to the Directors of the property company.

Mr.Fear is demanding from the tenant full details in regards the companies, their telephone accounts, their bank accounts and their accounts. These have nothing to do with the tenant who answered honestly.

Come back Arthur Daly you are a bargain to the tax payer. 
Please take this to your MP this state of affairs is ridiculous.


LEGITIMATE ? Where are the Official Watchdogs?
The Informed Investor Watchdog is most concerned at the attitude that Insurance Companies and the authorities have to policyholders. Below you will find two stories emanating from our mailbag

Nine Months On and still No Joy


Last May we wrote the article on the right of this column. One of the main gripes was about the widow who had had her underlying investments changed from European equities to a Sterling Deposit Fund. 
It was nearly three years later that she learnt of the unilateral actions by a combination of Clerical Medical International ( A subsidiary of Halifax plc) and Patrice Wargny SA ( A subsidiary of the Dresdner Bank).

Within days of our last article we were contacted by the Clerical Medical Group who told us they were keen to rectify the matter. Whilst we can not divulge the correspondence as it has been written without prejudice we can divulge that a meeting was held with a senior officer in the clerical medical Group 9 together with a legal executive) and the editor of the Informed Investor. At that meeting it was divulged by the Clerical Medical official that by back calculating the widow was some £40,000 worse off.

Like all true company men he tried to apportion blame for what had happened. Now we have in our possession letters that clearly show that clerical medical International had made the decision to change the underlying investments of the two funds involved. However the only communication that all parties concerned have received is from the small subsidiary clerical Medical Trust Co. (IOM) Ltd.

In the fullness of time they have offered the widow ( without prejudice) a small % of the shortfall. The Widow accepted their offer only to learn that an extra condition of the offer was that she should also give up her claim on the Clerical Medical Group and the Halifax plc if she accepted the small % from the CMI Trust Co.(IOM) Ltd. She obviously could not accept their small offer in those circumstances.

So now a major investment financial institution has kept the widow waiting since December 1995. This is unacceptable. Whilst the policies and trusts were set up in the Isle of Man the beneficiary is situate in the United Kingdom and the parent companies are in the United Kingdom. is it not time that the FSA in the UK and the authorities on the Isle of Man look into this matter. There is no doubt that Clerical Medical international made the decision to alter the underlying investments completely contrary to their "invitation to treat" brochure on these funds. It is also apparent that when they changed the underlying investments they did not inform the protector of the trust or the beneficiary that the investments were being changed. In fact no one was asked if this was acceptable at the time.

Whilst we are in possession of letters that were supposed to have been sent from Clerical Medical International to CMI Trust Co.(IOM) Ltd supplied recently), in October 1998 when asked the Trustees stated they did not know of the change.

I now feel sick at the thought that when I sit at home and see expensive advertisements on my television as to why I should choose Halifax plc and Clerical Medical that some poor widow in deepest Herefordshire has paid for those adverts. We know that she originally paid for the fund price quotations to be placed in the National Press, we know that the trustees and Clerical Medical have regularly taken their % out of the investment and still are!

We hereby invite the authorities to look into this matter. We shall be pleased to assist the authorities or any other journalist, ombudsman or potential investor by providing documentation in this matter.

Sidelining an innocent investor in such a way should not be allowed And does self-policing mean that these financial institutions can be both judge and jury? We also invite correspondence from other investors who have had such problems. Write to:


We have contacted several other financial providers who tell us they always ask investors when they have to alter or merge underlying funds.



In the  sixties Drummond & Co marketed policies underwritten by the British branch of the Life Assurance Company of Pennsylvania. That company was one of the earliest providers of unit linked assurance.

The reason why investors bought their policies was that the underlying funds were invested with one of the world's leading mutual fund companies, the Keystone Funds of Boston in the USA.
Several £ millions were invested and each policy clearly stated that the underlying fund was the Keystone S-3 fund. After about 4 years it suddenly came to our attention that the parent company in the USA had bought a fund called the St Regus Fund  ( which had very high management charges) and transferred all the money from the Keystone S-3  fund into it.
After lengthy discussions with the SEC and the Insurance commissioners in the US the moneys were eventually returned to the Keystone Funds and the losses to policyholders made up.

Basically policyholders had bought one thing and had ended up with another. This would soon be picked up under the Trade Descriptions Act in the U.K .... or would it ? Recent disturbing practices have started to show in the investment world here.
In a recent case a widow in 1988 placed,  at that time her all, into a Personal Portfolio Fund with Clerical Medical International. 
The policy was written under a trust with CMI Trust Co (IOM) Ltd. acting as trustees and the widow as protector. (the trust company being a subsidiary of Clerical Medical International).
Just under £200,000 was invested in all. At that time interest rates were high and as the widow needed an income from the investment the moneys were placed on deposit with a well known bank. ( Rates being approx. 14%).
However by 1991 interest rates had begun to fall and in agreement with the trustees the widow had her moneys transferred into European equities through two life funds of CMI. At a later stage it was agreed that the management of all her funds should be placed under the auspices of the fund managers of those CMI funds, namely Patrice Wargny S.A. a subsidiary of the Dresdner Bank.
This was arranged and the widow felt secure that her investments were properly looked after by two reputable institutions.
Then horror of horrors in October 1998 she received a letter stating that CMI were reorganizing their sterling deposit funds. She wondered what it had to do with her and wrote to the trustees. The Trustees looked into the matter and found out that her investments were transferred into sterling deposits in December 1995 and the value of her holdings had dropped to £60,000.
This was the first that either she or her IFA had heard about it. It seems the Trustees didn't know either.
In fact it was later ascertained that CMI had decided to close their funds known as Le Fond Prudent and Le Fond Ambitieux in 1995 and had written to Patrice Wargny SA telling them so and stating that if they did not hear from Wargny's they would place the moneys in their deposit funds. This is what they did.
History shows that in the intervening period most European funds have nearly doubled. And CMI's own French Equity fund would have provided an extra £40,868 (Figures supplied by CMI). Over the same period sterling deposit rates have been low. Our widow is distraut. Her little savings are ebbing away and although she has been writing to the Trustees for over a year she has had no glee whatsoever. 
Meanwhile the two owning institutions- namely the Dresdner Bank and Halifax plc continue to earn astronomical profits.  Are they any different to the Life Assurance Company of  Pennsylvania ? 

Surely they MUST be responsible for their actions.
Over the years there have been many take-overs of Insurance Companies and much reorganization of funds. How many investors are still holding the type of investment they originally contracted for ? 

Where with a straight fund investment they have the option to change the premature cessation of a life policy can create cashing in costs which would see a great reduction of value.
The FSA and other official bodies are there for the protection of the policyholders. What are they doing about this growing problem?
We shall be pleased to hear from others who have examples of this happening. In the meantime Messrs Halifax and Dresdner " What's going to happen to our not so merry widow?"
We have been informed that a national newspaper is now looking into this matter.
We shall be pleased to publish any response by those concerned in this matter.
In the meantime if you have a policy with the Clerical Medical Group it might be best to check up where it is invested.


How safe is it to invest money into an insurance company ? We have been brought up to understand that they are very safe and through the Financial Services Act we have policy protection. How this works we have never been able to ascertain - nor can the authorities in the United States.

From 1966 until 1971 Drummond & Co. sold equity-linked policies for The Life Assurance Company of Pennsylvania. The attraction was that the underlying funds were invested with one of America's leading mutual fund companies - The Keystone Funds of Boston.

In those heady early days of equity-linked insurance policies investors swarmed to get on the band-wagon and prior to the budget of 1968 investors were queuing to invest. There were few equity- linked companies to use. As mentioned elsewhere the US parents tried to switch the investments into a highly charged fund of their own.

Following that story we decided to find out how the policyholders have fared. We could find no trace of the Life Assurance Company of Pennsylvania in the U.K so we started ferreting in the United States only to find that they went into liquidation in 1991 with a deficit of over $50 million. So we wrote an email to the State Commissioners in Pennsylvania the following e-mail

" From:  Drummond <drummondco@yahoo.com>   13/09/00 19:02  Subject:      Status of LACOP Claim?
     To:  claims@ins.state.pa.us

I represent some holders of Life Assurance Company of Pennsylvania equity linked UK life Assurance policies linked to Keystone Funds of Boston. Who does one get in touch with?

Drummond & Co.

We have now had two replies as follows:

1".From:  claims <claims@ins.state.pa.us>
                                                       15/09/00 13:18
        Re: Status of LACOP Claim?
     To:         drummondco <drummondco@yahoo.com>
Dear Mr.  :
Thank you for your email. Information regarding your request about United 
Kingdom policyholders of Life Assurance Company of Pennsylvania (Dissolved)
should contact the following:

NAIC International Insurance Department
(011)-44-171-215-0120 Telephone Number
(011)-44-171-215-0239 Fax Number

The NAIC International Insurance Department provides information regarding  United Kingdom insurers.

I hope this information proves helpful. Feel free 
to contact me with any  questions or problems.


Erin A. Smolock
Bureau of Liquidation Claims

2."From:   "HowerClausen, Paula" <pclausen@ins.state.pa.us>
                                                         Wed 15:25

 Subject:        Status of LACOP Claim
     To:         drummondco@yahoo.com
Dear Mr.   . . .

I reviewed the email we sent to you last week 
and thought perhaps we could be more responsive to your request.  My staff has spent the last week trying to track down additional information regarding LACOP equity linked UK life policies linked to Keystone Funds of Boston.  We have met a dead end at every turn.

According to the information we have found, this block was assumed by Oaklife Assurance
Company Limited.  Oaklife was ordered liquidated on  September 13, 1993.  NAIC advises that Oak Insurance Limited was handling this particular block.  We contacted them and were told that 
Oak Insurance  Limited was liquidated five years ago and all records have been destroyed.  We have also been advised that there is no information which indicates that another
company assumed responsibility.  NAIC could not locate anything on Keystone Funds of Boston.

I am sorry we are unable to provide you with
any additional  information.  If you believe we 
can be of further assistance to you, please 
call on me.

Paula Hower Clausen
Paula Hower Clausen, Director
Bureau of Liquidation Claims
PA Insurance Department
901 N. 7th Street
Harrisburg, PA  17102

Telephone:  (717) 787-7823, Ext. 3305
Fax:  (717) 783-9326
Email:   pclausen@ins.state.pa.us
Where are the policyholders fund? Why have all records been destroyed? Even trading
companies' records have to be kept for seven years in the U.K so why have important records regarding investors holdings been destroyed after five years?

The Informed Investor is investigating this story. Any help will be appreciated. Watch out for the next instalment.

HOORAY- We Have A Reaction!

Guess what. The Editor of The Informed Investor has received a telephone call from a Mr Roger Harrison of the Financial Services Authority. Was it to assist watchdog with problems that have arisen for correspondents to our pages? No it was to ask about the activities of the Informed Investor. They have been querying our articles on Capital Redemption Policies, Annuities and Non Status Bank Accounts and Credit Cards!  We see no conflict with the FSA as we introduce registered professional  bodies to other registered  professional bodies.

We are happy to publish their  correspondence within the Informed Investor from our UK and International sites round the world in keeping with the freedom of speech and absolute openness. We also re-iterate the statement which has consistently been on our frontpage as follows:

DRUMMOND & CO. have in the past introduced many plans to professionals who wish to find the right tax efficient plans for their clients. DRUMMOND & CO. do not give any investment advice under the Financial Services Act.

We would also like to mention that many years ago a certain very senior person at the Financial Services Authority ( and he can't go higher) represented one of our companies as an agent. I am convinced he knows nothing about this matter. However if he does may I remind him of a letter written to Jack and Harry Warner of Warner Brothers fame by the late great Groucho Marx  when someone from their legal department complained that Warner Brothers "owned" the name Casablanca and the Marx Brothers should not call their film " A Night in Casablanca".
"It is even possible that I am doing you an injustice and that you, yourselves know nothing at all about this dog-in-the-Wanger attitude. It wouldn't surprise me at all to discover that the heads of your legal department are unaware of this absurd dispute, for I am aquatinted with many of them and they are fine fellows with curly black hair, double breasted suits and a love of their fellow man that out-Saroyans Saroyan.
I have a hunch that this attempt to prevent us from using this title is the brainchild of some ferret-faced shyster, serving a brief apprenticeship in your legal department. I know the type well - hot out of law school, hungry for success and too ambitious to follow the natural laws of promotion. This bar sinister probably needled your attorneys , most of whom are fine fellows with curly black hair, double breasted suits, etc., into attempting to enjoin us. Well he won't get away with it! We'll fight him to the highest court! No pasty-faced legal adventurer is going to cause bad blood between the Warners and the Marxes. We are all brothers under the skin and we'll remain friends till the last reel of " A Night in Casablanca" goes tumbling over the spool.

Groucho Marx"

Groucho again

May we also mis-quote dear Groucho and state that "all our plans are issued from embryo. In case you've never been there, this is a small town on the outskirts of wishful thinking."


This is the letter received from Mr Roger Harrison of the FSA
November 10th 2000 Ref: RH 0768

Dear Editor,

The Financial Services Act 1986 ("The FS Act") & The Banking Act 1987 ("BA87")
Drummond & Co

Further to our telephone conversation on the 6th of november 200 I confirm that the FSA is concerned about certain aspects of the Informed investor web site. 
During our conversation you reminded me of your familiarity of the FSA's responsibilities under the FS Act when you mentioned previous contact with the FSA under the activities of Croxtons Ltd. I would confirm however, that the FSA is in fact responsible for the administration of both Acts mentioned above and undertakes investigation of suspected breaches of either act in the UK.
The Internet pages of particular concern are those under the name of Drummond & Co. Within this section there is mention of arrangements concerning the following:

·  The Opening of Bank Accounts

·  Pension Annuities

·  A New Pension Product

·  Capital Redemption Policies
In respect of the pension annuity, new pension product and the capital redemption policy are asked to contact Drummond & Co to ascertain how to progress their interest. Section 3 of BA 87 provides that no person shall in the United Kingdom accept a deposit taking business unless authorized to do so.

Under section 3 of the FS Act any person that conducts investment business in the UK must also be authorized or exempt. Investment business is widely drawn and includes amongst other things offering or agreeing to make, deals in investments ( schedule 1, Paragraph 13 of the FS Act). This might include for example, a referral to a third party to advise upon the transaction.

Section 57 of the FS Act deals with investment advertisements and states that no person other than an authorized person shall issue or cause to be issued an investment advertisement in the UK unless its contents have been approved by an authorized person. In general terms "an investment advertisement" means any advertisement or contains information calculated to lead directly or indirectly to persons doing so.

During our conversation I said that the fsa needed to fully understand the arrangements by drummond & Co for the opening of bank accounts and credit card accounts and the arrangements in respect of the pension and capital redemption products. i would therefore like to meet with you with my colleague.

( The rest of the letter continued with a suggestion of places and times and further requested that we gave particulars about one of our associates).

Reply from the Editor of the informed investor.
november 24th 2000
Dear Mr Harrison,
In reply to your telephone calls and your letter I am as promised conducting all correspondence through our website.
This is done so that all the professional people to whom the informed Investor is aimed and written for may understand the legalities and arguments put forward by both yourselves and ourselves.

further I shall only address the matters of law and shall omit any arrangements re meetings . As this ezine does not mention either specific products or personnel I shall refrain from mentioning them in this correspondence.

As you may know the Informed Investor was registered with the British Museum as a publication back in 1972 and has been progressively sent out as a publication, then a faxback and these days as a website. 

Over the years many leading people within the investment industry have both written for and backed this publication. Since the late 1980's with the advent of the FS Act it has been promotion tax and legal ideas to people who are authorized to act under the FS Act.

 When the articles on Capital Redemption Policies were first written the author was also an authorized person in the UK. You will find that I personally have been associated with the Financial Services Industry since 1964.
Firstly you will notice that ever since the FS Act has been in place there has been a notice on our front page stating 
DRUMMOND & CO. have in the past  introduced many plans to professionals who wish to find the right tax efficient plans for their clients. DRUMMOND & CO. do not give any investment advice under the Financial Services Act.
Now in regards to :

·  The opening of Bank Accounts.
Drummond & Co neither accept a deposit or even know where the authorized people( who are mentioned on the relevant page together with their licence number) place the business. Professionals who have clients who need such a service e-mail Drummond & Co and those emails are forwarded to the authorized person. We therefore fail to understand what relevance this has to Drummond & Co.

·  Pension Annuities/ A New Pension Product

As there is only one generically mentioned annuity referred to in the informed Investor we presume you have failed to notice these are one and the same. We fail to see how discussing that there is a general type of product available constitutes to advertising it. 

·  Capital Redemption Policies
The purpose of the articles on Capital Redemption Policies is purely a taxation and legalistic article to show how both inheritance tax and Capital Gains Tax may be mitigated. No mention whatsoever is made to or recommended as to any investment or company. I t is no different than stating that National Savings Certificates are tax free.

In all these instances the Informed Investor is quite prepared to change any word that might be construed as either misleading or liable to misinterpretation. Please spell out any words you feel are in contravention of the FS Act considering that these articles are written for people authorized. In the case of both the Annuity Contracts and inheritance/Capital Gains Tax queries we refer them to a highly qualified lawyer.

In regards to section 3 of the FS Act Drummond & Co DO NOT CONDUCT INVESTMENT BUSINESS. We fail to see that Drummond & Co are in any way even " offering to treat". My knowledge of the law in such cases is that an investor makes an offer and and investment company accepts- therefore it is highly unlikely that a journalistic article that mentions no company and generic terms in regarding matters of everyday life to other authorized people can be seen to be offering investment business. All that can be construed as being offered is a recommendation to a lawyer. From time to time we recommend that people speak to the FSA. Is this a breach of section 3 too?

Now we come to section 57- the old catch-all if nothing else works. Using the premise that if a Ford motor car is used as a getaway car at a robbery then Ford are liable for the crime.  In the same way you are presuming that by introducing a lawyer to an authorized person it may lead to a client of that authorized person  utilizing the lawyer to act for him. In turn that lawyer may act for the client  say to write a will  then there would be no crime. But if that lawyer also suggests utilizing a tax saving scheme which may lead to the client taking out an investment ,under advice, then Drummond & co and the Informed Investor are in breach of section 57. Drummond & Co and the Informed Investor are guilty as Ford are for the aforementioned robbery.

May I suggest you construct a letter which actually states that certain phrases or words may be changed in the Informed Investor and we shall be pleased to act upon it. In the meantime we shall pleased to give you chapter and verse in regards to reader's problems with authorized providers where you can genuinely put wrongs right. Like the investors in the Life Assurance Company of Pennsylvania or the very poor widow we mention above. We are in no way selling or offering any investment under the FS ACT and have always made a point of informing readers of that fact. So there is no point in coming to discuss that.
Sincerely yours,

PS The gentleman you are seeking has his phone number in the Informed Investor I suggest you call him.


From Roger Harrison- Investigator, Statutory Investigations Department, financial services Authority.
December 22nd 2000

Dear editor,


Thank you for your letter dated 24th November 2000 and I apologise for the delay in my reply. I have noted that you have reproduced my letter to you dated 10 November on the " Informed Investor" web site. It would be helpful if the errors in transfer to the web site are corrected so that there is no misunderstanding by visitors to the site of the FSA's concerns. I have noted errors in your transcribing of my paragraphs 4,5,and 6.

thank you for confirming in your letter that Drummond & Co does not accept deposits. The FSA does need however, as explained in my letter dated 10 November, to fully understand the other arrangements with regard to:-

Pension Annuities ( which I now understand to be the new pension product) and
Capital Redemption Policies

In my letter i informed you that under section 3 of the FS Act any person that conducts investment business in the UK must be authorized or exempt. I went on to explain that Investment business is widely drawn and includes, making or offering or agreeing to make, deals in investments ( schedule 1 paragraph 13 of the FS Act). This might include for example, referral to a third party to advise upon the transaction. This example would appear to apply in the situation whereby Drummond & co introduces investors or potential investors directly to insurers or to other advisers who are not Independent Financial Advisers authorized or exempt under the Act. The exemption for introductions for the purpose of independent advice is contained in note 6 of Schedule 1.

As the Drummond & Co web site also appeared to be an investment advertisement I also explained that in general terms " an investment advertisement" means any advertisement inviting persons to enter or offer to enter into an investment agreement or contains information calculated to lead directly or indirectly to persons doing so. I further explained that section 57 of the FS Act provides that an authorized person must approve an investment advertisement. In this connection it appears that an authorized person has not approved the 2 Drummond & Co" website. I would add that the exemption mentioned above in note 6 to paragraph 13 of Schedule 1 of the Act does not apply to investment advertisements.

on the above points I have noted that the " Drummond & Co" web site states:

If you would like us to introduce you to the lawyers people who devised this product on an exclusive basis then please contact Drummond & Co" in respect of editorial about the new type of pension annuity.

IF YOU WOULD LIKE TO FIND OUT HOW YOU OR YOUR CLIENTS COULD OWN, rather than rent, the assets of their pension- more effectively- then please contact us in respect of the new pension policy.

"for further details contact Drummond & Co" in respect of the Capital Redemption Policy.

I have reviewed the Drummond & Co warning under the new pension annuity announcement that " drummond & Co just identify Assurance Companies which are currently writing such business to qualified financial advisers and other professionals such as accountants". Similar wordings appear for a with profit annuity. Allowing for these warnings your reply does not fully address our concerns. It does seem from the editorial comments above that any individual requesting further information about the arrangements for the various products listed above would not necessarily be barred from receiving the requested information or introduction. The terms " qualified financial advisers" and " other professionals such as accountants" in the warning quoted above appears does not seem to apply exclusively to authorized or exempt persons that provide independent advice.

I would therefore like to receive your comments on the FSA's concerns outlined above together with your suggestions on how the site can be modified to deal with them.
I look forward to your reply by 8th January 2001.

Reply from the Editor of The Informed Investor.

Dear Mr Harrison,

I did not see your last letter dated 22nd December until 12th of January. as I stated in my last letter we will be pleased to alter any part of the Informed Investor that you feel might be confusing or open to mis-interpretation.  We note your concerns in regards to the statements you have fears about and have changed the to read as follows  "For further details on legal, taxation and non FSA advice on this page Contact". This makes it very clear that we do not deal with any item that comes under the UK FSA".

However you must realize we produce an international website which covers five providers throughout the world and we are operating to satisfy many authorities like yourself. Whilst I used to be an authorized person under the FSA act I personally am now covered by another European body as as a " demarcheur Financier". My own experience of the Financial Services trade goes back to 1964 and in that time I have run the UK Branch of a Life Assurance Company, A Friendly Society, 2 Firms of IFAs and this journal in all its forms since 1972. It was Drummond & Co who introduced discount purchase of investments. In those days we were chastised for doing what is the norm and recommended  today. In turn we have also warned about the mis- selling of Pensions in the late eighties, the danger of home release policies, the problems that would be created by the second-hand policy business and many more ills of the financial services trade. That is why we are here- these are not ADVERTISEMENTS.
Section 3 of the FS Act

You should know full well that most " off the peg" insurance policies and investments usually have heavy charges included so as to pay for advertising and commissions. We stopped recommending such plans many years ago. Our publication went up-market and is there for people who are AUTHORIZED either by the FSA or other such world bodies. Quite simply anyone with a bit of savvy in the Financial Services industry knows you don't go to Saville Row for an " off the peg" suit. That's why our Fimbra registered IFA company was called. Bespoke Portfolio Ltd.


In creating a tax efficient international vehicle for a discerning taxpayer it is imperative that that person understands the full implications of purchasing any type of investment anywhere. Therefore he needs to utilize the services of lawyers and accountants who can create the vehicle to maximize profits. Those professionals create trusts and other tax efficient vehicles offshore. 
Those offshore creations DO NOT COME UNDER THE FSA jurisdiction. Therefore you must not be concerned with what those offshore ( from the UK) bodies decide to invest in.  In regards to the use of Capital Redemption Policies you must realize that each policy has to be specially constructed and agreed by lawyers, accountants and financial advisers. All of these are highly qualified and are authorized completely within the jurisdictions they act in. ( This, of course, includes those authorized by the FSA).
Drummond & Co have no agreement with any  provider to pay them commission if a product is bought. We do however have introductory agreements with lawyers, trustees, accountants and others who create the vehicles . Those activities, however, are completely outside the FSA.

 Section 57 of the FS Act 
As there is no actual " off the peg" product there can be no advertisement for something that has not yet been created. Section 57 applies to the advertisement of a product that comes under the FS Act.  As explained before what we are "advertising" to authorized personnel is the service to create tax efficient circumstances. This in turn will only be of use to the profession. As I stated before we NEVER mention any investment provider of any sort or an actual product. We speak in generic terms. (* Except in our watchdog column for critical purposes).

In turn the Pension Annuity can only be created through an agreement between the shareholders of an insurance company and an individual. It is not an "off the peg" product. The shareholders have to agree to forfeit their shareholding rights. In arranging this the lawyer is not contravening the  FSA..

In regards to modification we would be happy to act on any suggestions you make, but it is our opinion that what is written is both very clear and not in contravention. Whilst 3 of our sites are UK  based- 4 more are in the USA. We also cover Europe and Australia as well as the Middle East.

For further details on the same page as Capital Redemption policies pertains to all the items on that page. The actual Capital Redemption plan is a legal contract that pertains to a situation and is a generic term. I doubt whether any two contracts are the same. Those contracts have to be prepared by a top lawyer for an authorized intermediary. It is the intermediary who is registered under the FSA ( if the deal comes under their authority) who would as he is permitted recommend an investment. That intermediary would be the existing adviser to the client, not one recommended by the Informed Investor or the lawyers.

The Informed Investor just tells intermediaries that such legal and taxation systems exist. WE KNOW OF NO COMPLETED CAPITAL REDEMPTION POLICIES or ANNUITIES that have been created by our introductions. The
only further details we have on Capital Redemption Plans is an article from a well established newspaper whose comments we do not re-publish because of copyright.

As for the Annuity Product we are again talking in the generic terms that such contracts exist- we do not recommend the product as their is NO specific contract that we know of- just that several assurance
companies have them. It is up to your member to identify them and choose. We have just made him aware.

As I previously mentioned I will be pleased to change any words that you feel are confusing as a courtesy- as we do with all other authorities. We note the dates and times that you have viewed our sites. Would you
please in future either email or fax your epistles to me as I keep in contact from afar and most of our websites are operated outside the UK. Normal mail takes time to reach me.

Rest assured that Drummond & Co only introduce ( in the loose sense of the word) people who are authorized under the FSA to others who are authorized under the FSA in the very small amount of queries received
that come in or through the UK proper. We are not prepared to constantly answer questions which are completely inappropriate to what we are doing and are of no consequence but to waste our time and money and the fees
payable to yourselves by those who are authorized.

Remember one introduces to lawyers to create contracts - and tax efficient methods. That is the service being provided NOT INVESTMENT BUSINESS. Most of the content is discussing the legal position- there is
NO MENTION of a specific provider in the Informed Investor except through our watchdog column where we criticize companies.

As you find the Informed Investor such compulsive reading please recommend it to your friends and colleagues. The Pattifun and Jewish Jokes pages may be of more amenable reading.

Happy New Year

0870 794 2180

Reply from Roger Harrison at the FSA 

Dear Editor, 

Thank you for your email of January 20th 2001 and for your clarification that you only introduce persons authorised by the FSA to other persons authorised by the FSA. I have also noted the changes made to appropriate pages on the Informed Investor web site that informs enquirers to contact Drummond & Co. for "further details on legal, taxation and non FSA advice".

Thank you for making the modifications to the Informed Investor internet web site. I can advise you that the FSA now considers this matter to be closed.

Yours Sincerely,
Roger Harrison

From time to time we receive letters here that are beyond belief - Do people still fall for them? Over the years we have had some seriously clever frauds sent to us - others are just unbelievable. One of these arrived last week and we publish it in full below right.



·  We were approached by a person who wished to utilise our BVI company operating through Switzerland to pay certain lawyers. We were offered $30,000 a month to do this. When we asked for details of the monies back seven steps we heard no more.


·  Through the good offices of FIMBRA we were introduced to a French Character who claimed to be representing both a leading French and German Bank in Paris. He wished to manage investments from British institutions on the French bourse. We met him at the offices of the German Bank in Paris at 12.30pm and he took us on a guided tour of the offices. Even pointing to his office door with his name on it. The door turned out to lead to a toilet and the staff of the bank were out to lunch. We had previously checked with the bank who had no knowledge of him.


·  We were approached by a character to arrange mortgages to buy two houses- One was Cubby Broccolli's home in Denham and the other was a Manor House in Oxfordshire where the TV drama Titmus Revisited was filmed. His con was to create an inflated valuation and then borrow more than the purchase cost. 


·  We were exhibiting at the Royal Show at Kenilworth in Warwickshire when two lads cut a hole in the perimeter fence and created their own entrance turnstile collecting £8 a head to enter. This was like the lads that set up their own till in Harrods during the sales.

Attn: The President/CEO.
Dear Sir, 

I have received a useful and vital information about you and your organization, I am satisfied with such useful information. 

Very pleased to be in contact with you, for the possibility of accepting my urgent proposal to you. Please note that I don't have anything to hide from you, regardless that I have not seen you before but because of the person who introduced your particulars to me. I know that He will never introduce me to any person that will hurt me.

My name is Mr. Bronwen Manby, I am the chairman/Director of Civil Liberties Organization, a committee for the Niger Delta Crisis involving the foreign oil firms { Mobil oil, Elf oil, AGIP oil,L.N.G}, and the Federal Government of Nigeria on the Delta Region. By venture of my position in this committee, I am my colleagues has been able to negotiate out for our self a total sum of thirty-two million United States Dollars, {$32,000,000}, which we want to transfer into a reliable/save account outside Nigeria. 

This money accrued as a result of continued violence in the Niger Delta region, kidnapping of Foreign expatriate by the communities, in this area and their demand for compensation To their farm lands which has been ecologically destroyed by the activities of these companies. 

The Government on it's part submitted a Bill of 14% support derivation for the Niger delta which the National assemble passed into law. The oil
companies on their part will compensate the communities on an agreed percentage {%}. Which we negotiated between the oil firms and the community's representatives. 

Though the payment will be made install mentally through a period of six months under our supervision. During the process of negotiation with both parties, we were able to cut out the thirty-two million Dollars {$32’000’000}, because we also need to enjoy Governments money and it is a very good means for us to make money with our immediate position. 

If you would want to discuss with me in person first, then you can arrange to come to Nigeria for face to face meeting. If you will play this role, of providing the receiving account, and at the same time pledge your honesty not to double cross us at the end of the transaction, we will be willing to give you only 30% of the total sum at the successful conclusion of the transfer.

Please do sent to me via e-mail the details,particulars of your bank and also your acceptance, so that I will have room to give you more information and my private lines for you to contact me directly.

Please also feel free to send your question or inquiry to my e-mail address for further clarification, if needed. Finally, this transaction is classified and
confidential and must be treated as such.

Please do feel free to visit www.hrw.org/hrw/press/1999/feb/nig0223.htm,
for verification.

Since this matter demands an utmost secrecy, I would not want you to contact me through the phone number on the website, rather I shall send to you a private contact phone number for you to contact me as soon as you show your interest to assist me in this transaction.
Thank you for your anticipated co-operation.

Yours Faithfully, 

Mr. Bronwen Manby.
N.B., Remember to include your private telephone and fax number to enable me contact you easily.
Manby Bronwen
manbybronwen@onebox.com - email
(713) 590-2340 x7489 - voicemail/fax



Uncle Bob

REWARD £ billions of Pensioners money

By British law a contract should be binding . Two parties make an agreement and subject to that agreement a contract is born.
The British Government offered the British Public the chance to invest in pension schemes.
In order to encourage them the British Government offered incentives. One of those incentives was no taxes on income.
In return the pension holder agreed to certain conditions. They included only getting 25% back as capital back and the remainder being used to purchase an annuity. This was formerly 35%.

In the past if new legislation came in it only effected new policies taken out after the legislation. This always happened in regards tax relief and also when the capital sum allowed was reduced from 35% to 25%.

But not so Mr Gordon Brown in July 1997. He effected  a fundamental breach of contract and retrospectively withdrew a condition on millions of existing contracts. Those contracts could not be broken or cashed by policyholders under 50. Freedom of choice was therefore no recourse for the pension contract holders. The British Government had rengaded on their contract. If Mr Gordon Brown had wished to change the conditions on future pension agreements that is fine but has he the right to retrospectively take taxes from pensions which have as a condition that no tax shall be paid on income?

Now today millions of pension plan holders are losing billions because of his actions. We believe that the pension holders of the UK have a case against him for fundamental breach of contract. Such action might well be upheld in the European courts.

Isn't it time that this pillager be asked to account for such actions?


We  have  found a property company, which specializes in purchasing small residential properties in good locations and refurbishing them to a high specification. Once refurbishment has been completed the property is then sold to investors and the property developer manages the let property for them.

The main advantages are :-

·  1. The company purchases low value houses in areas where housing costs are low and then ensures  that they undergo a full  and detailed refurbishment as  per the list below.

·  2. Once the properties have been refurbished the company then offers them for purchase at prices ranging from £25,000 to £30,000.

·  3. The company is prepared to offer the landlord a 15 year lease where the average rental return is 10%. This means that refurbishment's have to be excellent so that the company ensures that the maintenance over the next 15 years is kept to a minimum.

·  4. The company has a unique marketing strategy in that it drops leaflets to people who live in equivalent type of accommodation, which is generally rundown. Most of the tenants are single mothers who have a good history for looking after properties.

·  5. Because the single mothers qualify for housing benefit these are paid directly to the company by the D.S.S. These weekly benefits are in the region of £60.

·  6. The company offers an insurance underwritten, FRI lease arrangement. This takes the risk of rental void or repairs out of the hands of the landlord.
There are several homes currently in various stages of repair prior to completion. Most of the investment so far has been institutional but the company wants to widen their investment base and have asked us to introduce this business opportunity to private individuals and smaller companies.
If you would like an alternative investment, which should return not only a rental stream of approximately 10% of investment per annum, paid on a monthly basis, but also future capital growth then please contact us for further details.


·  Full damp proof

·  Electrical system brought up to latest Niceic standards ( currently 16th editions)

·  Gas central heating system installed with low maintenance boiler.

·  Roof to be in good order with a minimum 25 year life span. Otherwise will be re-roofed.

·  Double Glazed throughout

·  All internal walls to be plastered and re-skimmed in order to give quality smooth finish to walls.

·  All ceilings as above.

·  New fitted kitchen to be installed( white units/charcoal work top).

·  New bathroom furniture and re-plumbed ( bath to be steel).

·  Electric smoke alarms fitted.

·  Burglar alarms fitted

·  Walls and woodwork to be decorated with magnolia emulsion and white gloss respectively.

·  Carpeted throughout with company standard carpet.
Email for details to:




Once you have found the addresses of our various pages store them in an INFOSEEK DESKTOP DIRECTORY FOR EASY ACCESS. Download it NOW BY CLICKING ON INFOSEEK BANNER!

This  page is now available in French, German, Italian, Portuguese  and Spanish. Utilize the system at top of the page.


Financial institutions are in business to make money many of them employ actuaries to work out future probabilities. However in this changing world those actuaries get it terribly wrong.

Do the companies come out with the truth or do they find some other reason to pacify the public.?
Two recent happenings have shown how Insurance/Assurance companies have got it so wrong.

The first instance is over endowment policies. For years actuaries worked it out that most policies were only going to run for an average of 7 years. Therefore few were going to last the full term of 25-30 years. So they decided to create two different types of bonuses. Interim and terminal bonuses were created. The idea being that those people surrendering early would get less and the extra amount withheld from them would be paid as a terminal bonus therefore enhancing the reputation of that company with high returns.

This was fine as long as most policies were surrendered within 7 years. What the actuaries did not foresee was the growth in the buying and selling of second hand policies. Because this trade grew the terminal bonuses became smaller. Simple and explainable. But do the companies explain it - No. Instead as seen on a recent Panorama programme they state that the investment returns are not as good as before. How ridiculous during a market boom.

Now we have the same story with motor premiums to go up by 25% because of claims. Why are claims up? Not that there are more accidents. It is because companies have been set up to help the public to maximize their claims and once more thrown the actuaries calculations into chaos. A reaction causing a counteraction. .... And those companies are out to make money.

It was like when mutuals were fined by the FSA for breaches of their selling methods. They were fined large amounts. Was it the company who paid those fines ? or were they taken out of policyholders funds?
If they can't pay up promises- what else can they do? Watch this space on the story of Equitable life.

So it can be shown that it is always the client who ends up paying. The companies still have to show massive profits for their policy holders. Where are the media to report the truth? Maybe busy taking advertising revenue from the aforementioned companies.


Since 1966 Drummond & Co. have been designing plans to mitigate various taxation. Therefore we are pleased to present our latest series of tax mitigation plans taking advantage of present legislation.

The personnel behind Drummond & Co. have had over thirty years experience in this field - and together with our partners in the various enterprises have taken legal opinion on the effectiveness of each plan
When we say partners we mean YOU. For the Informed Investor is a market place of ideas and schemes. Drummond & Co do not run the schemes - they publicize them on the Internet  to their ever growing list of readers. So we welcome you as a reader and/or as a Provider of schemes. 
New schemes are our lifeblood so please do not hesitate to speak to us about your schemes. We will help you market them and show you how to profit by them.  Start by either writing, telephoning, faxing or e-mailing us here at Drummond & Co. See REACH FOR THE STARS

The obvious taxes we deal with are: Capital Gains Tax, Corporation Tax, Income Tax, Inheritance Tax, Value Added Tax and National Insurance Contributions. A back up service is provided by Drummond & Co  after the various schemes are completed.


In the United States Day Traders have multiplied considerably.  In the Uk they are more of a rarity. However more and more day traders have emerged in recent months. The Informed Investor together with leading providers will shortly be instrumental in creating special day trading rooms in London and the Provinces in conjunction with leading brokers.. 
Further Drummond & Co have devised a special scheme whereby day traders can register offshore through trusts or companies so as to mitigate taxation on profits made day trading. These day trading rooms will be created in an offshore environment to facilitate this.

Any brokers, software providers or ISP's interested in participating in this programme should contact ourselves. Please email to: informedinvestor@email.com


The Informed Investor is now operating a new and lucrative advertising system. Approved companies may advertise their wares by utilizing a section of the Informed Investor. The Informed Investor will not charge for the advert as such. Instead they will work out with you a % to be paid to The Informed Investor on business resulting from the advert. Therefore you take no risk  when you advertise. Ours policy is to make all advertisers happy. For further details call our advertising department on 0870 794 2180( in UK)


Read commentary & ideas on:

Capital Gains Tax

Inheritance Tax





Gripes are commonplace in the financial world. But the circumstances surrounding the situation of Croxtons Ltd and the Inland Revenue's Special compliance Unit in the North West should be looked into deeper. Croxtons Ltd has since 1991 been advising on NIC mitigation schemes.
On all instances they took Counsel's advice before proceeding with their plans. (Two of which are featured in this edition of the Informed Investor). Of the many hundreds of schemes they advised on only a handful ever came under any scrutiny. 
Therefore it was with shock and disbelief that two of their former directors were awoken at 6 am one morning in the autumn of 1998 by the metropolitan police in cohorts with officials from the special compliance office of the inland revenue. The only reason for these raids given was that the officials were "seeking evidence".
They took away papers and computers pertaining to Croxtons Ltd.
Within the next few days Accountants and Financial Advisers who had recommended the Croxtons schemes had similar visits as did the companies who partook of them.
Then silence. Obviously the Accountants, Financial advisers and Companies raided all felt that Croxtons had done something wrong. As a consequence they were loathe to do more business with Croxtons. Their business had been ruined and they did not know why. 
Eventually the chairman of Croxtons Ltd ( who had never been contacted by the Inland Revenue Special Compliance Office) managed to arrange a visit with a  Keith Moore and Beth Smith from the Special Compliance Office from Salford Quays in Manchester for 11th August 1999 at Somerset House in London.  As the meeting opened Keith Moore stated that they had no interest in the dealings, activities or legal standings of Croxtons schemes whatsoever. The rest of the meeting consisted of the Inland Revenue representatives asking the Chairman of Croxtons Ltd about one firm of dealers in Oriental carpets.
When asked if they knew the result of their damaging raids the representatives of the Inland Revenue apologized. End of Story?
Or are there any bright lawyers out there who feel they can get recompense for Croxtons Ltd ?
We shall be pleased to publish any reply by the Inland Revenue on this matter.

For Professional advisers who advised on their former "Benefits in Kind" ORIENTAL CARPET SCHEME for National Insurance Contributions and are in discussion with the authorities in regards to them please read our link page on this  DEFENDING THE CARPET SCHEME Click on line)
. Also the details on Croxtons Ltd's GRAPEVINE SCHEME remain on site in case you need details or to read Counsel's Opinion


Below you will find a short resume of what is available at present. You may also continue on to the full relevant article by clicking on to the  subjects listed below - Some of them are covered elsewhere on this page :


worldwide Also in this edition you can now download up to 100 freeware or shareware programmes. All this is on Vinny's Gizmo Page together with some computer tips



Computer training is needed by many of your staff as new and varied improvements take place.
We are now working hand in hand with Pro & Pro Computer Training Services to help train your staff. They also welcome personal applications for training . Their classroom is just near Liverpool Street Station in London's City. For details click on the laptop drawing above


E-Commerce is a new and exciting way for companies to sell their merchandise. However to do this companies must take into consideration taxation and setting up in the most efficient way. The laws surrounding internet trading are interesting. There are some anomalies that can be taken advantage of. 

One such anomaly is that goods entering the UK from Jersey in the Channel Island does not attract VAT if the article is costing less than £18 or is digitally provided. Another is that if the company is set up right corporation tax for UK companies can be reduced from 20% to 5%. Think of the extra benefits that can be obtained.


You should note that our UK Website Guide is now completely operable. Basically this is an independent listing of websites, mainly in the UK, on which a commentary has been written. Easier to use than a search engine, and you shouldn't end up in Ohio when you want a local service. If you are visiting the UK the guide is a must.
We invite readers to suggest new websites to be added to this guide.

Click here to go to guide


If you like good humour, jokes and observations then get yourself down to Patti's Fun Page. This also includes the OY-Vey Jewish jokes where you can pick a joke and have it put on a tee-shirt.

The Fine Wine Section

Bordeaux Managed Wine Investment Plan

This plan is a tax-free investment plan utilizing the top 24 Chateaux in Bordeaux.  Each portfolio  (Minimum $4000/£2,500) is invested in specially selected Bordeaux Clarets.

These are selected by a board of management which is advised by the renowned Master of Wine, David Peppercorn - an authority on Bordeaux and author of the definitive book on Bordeaux wines.

All growth is free of all taxes and unlike ISAs there is no upper limit on holdings or amounts invested each year- but like all such investments the value can go down as well as up. Charges are very reasonable being between 0.25%-0.5% per annum to cover storage in a bonded warehouse, insurance and management.

Other wine features include an article on the
Language of the Label ,
Bordeaux Vineyard News,
Wineline Community Buy & Sell Wines,
Croxtons Grapevine Scheme 
and the Ask Vinny columns


Click to good deeds click on the heart to view


If you know of any good deeds that can be publicized in the Informed Investor. Please get in touch with Vinny. We feel that it is good to inform readers of websites that help the needy and distressed. Read how you can Help little Curtis, or how Kent helped others. Alternatively you may want to sign the guest book for Payne Stewart in Augusta. Read more about it on Vinny's gizmo page.


click Click here to go to :Click for heartrendering column


CEO E-mail addresses   
So, you're fed up dealing with "Customer Services" on general-purpose contact e-mail addresses. Are you not getting replies, or not getting the replies you want? Time to take it to the top! Chief Executive Officers (CEOs) are very reluctant to publish their e-mail addresses. This page attempts to redress the balance by publishing the e-mail addresses for the CEOs of some UK companies, government and other organisations. We believe in letting the "little people" get noticed.  It seems that this column has upset some people. We believe in transparency and publishing what is already in the public domain. two Companies have complained to our providers that we list  them... they are Dreams The bed Company & Hillary's the Blind people. Whilst we hve had dealings with Dreams and may well be publishing a case of alleged unfair dismissal of a member of staff which is going before a tribunal, we have had no dealings with Hillarys. we have also been approached by a company who represent directline-the Insurance people. Their reason is concerns about Google's policy of demoting a company that have too many listings.  Whilst we appreciate the sentiments this is nothing more than a restrictive practice within the advertising industry...which is illegal.  Most of those listed have websites, advertise and tout for business. Our information is gleaned from those sources as well as public listings. They aretherefore in the public domain.

Obviously some people have had a go at the providers of the list Ceomail as they have written to ask us to remove this section.  THIS WE WILL NOT DO.... the public have the right to avail themselves of such information... so we are going to extend  create our own extensive list and mention those companies we have had complaints about. In fairness we shall commend those companies or institutions who have acted properly and rectified problems. Amongst those wecommend are BT, Talk talk, Vodafone, Orange(EE) and Plusnet. Also David Laws MP, Jeremy Browne MP , Grant ShappsMP and Oliver Letwin MP. We thank Ceomail for their assistance in the past.

Some tips when e-mailing:
  • Be polite
  • Keep the information concise and to the point
  • Include customer reference numbers or invoice numbers, if applicable
  • Include a brief history of the issue, if applicable
  • Do not accept being passed back to "Customer Services" or elsewhere within the organisation
  • Insist on a reply from the CEO
If you're working as part of a campaign group, send a personal, individually-created letter. Letters which are cut/pasted from a standard template will invariably receive a standard template response in reply... Good luck with your enquiry!

Contact your Councillors, MP, MEPs, MSPs, or Northern Ireland, Welsh and London AMs for free
Do you need help with your postcode?

UK Companies

Company Name CEO Name CEO E-mail Address Website FTSE Symbol Last Verified
Agro-Food & Drinks          
Associated British Foods George Weston, Chief Executive georgeweston@abfoods.com http://www.abf.co.uk ABF.L (FTSE100) 16 Jun 2010
Cadbury-Schweppes Todd Stitzer, Chief Executive Todd.Stitzer@csplc.com http://www.cadburyschweppes.com CBRY.L (FTSE100) 16 Jun 2010
Dairy Crest Mark Allen, Chief Executive mark.allen@dairycrest.co.uk http://www.dairycrest.co.uk DCG.L (FTSE250) 16 Jun 2010
Diageo Paul Walsh, Chief Executive paul.s.walsh@diageo.com http://www.diageo.com DGE.L (FTSE100) 16 Jun 2010
Dominos UK Chris Moore, Chief Executive chris.moore@dominos.co.uk http://www.dominos.co.uk
Tel: 01908 580604

21 Sep 2010
Fyffes David McCann, Chairman dmccann@fyffes.com http://www.fyffes.com (Ireland) 16 Jun 2010
Kelloggs UK Greg Peterson, Managing Director, UK greg.peterson@kellogg.com http://www.kelloggs.co.uk   16 Jun 2010
KFC UK Martin Shuker, Managing Director martin.shuker@yum.com http://www.kfc.co.uk Part of Yum! Brands 16 Jun 2010
McDonalds UK Steve Easterbrook, Chief Executive steve.easterbrook@uk.mcd.com http://www.mcdonalds.co.uk
16 Jun 2010
Pizza Express UK Mark Angela, Managing Director mark.angela@pizzaexpress.com http://www.pizzaexpress.com
16 Jun 2010
Pizza Hut UK Jens Hofma, Managing Director jens.hofma@pizzahut.co.uk http://www.pizzahut.co.uk Part of Yum! Brands 16 Jun 2010
Unilever Paul Polman, Chief Executive Paul.Polman@unilever.com http://www.unilever.com ULVR.L (FTSE100) 16 Jun 2010
Whitbread (Beefeater, Brewers Fayre, Costa, Premier Inn) Andy Harrison, Chief Executive andy.harrison@whitbread.com http://www.whitbread.co.uk/ WTB.L 1 Sep 2010
Audi UK Jeremy Hicks, Director jeremy.hicks@audi.co.uk http://www.audi.co.uk
16 Jun 2010
Bentley UK Franz-Josef Paefgen, Director franz-josef.paefgen@bentley.co.uk http://www.bentley.co.uk
16 Jun 2010
BMW UK Tim Abbott, Managing Director tim.abbott@bmw.co.uk http://www.bmw.co.uk   16 Jun 2010
Ford UK Nigel Sharp, Managing Director nsharp@ford.com http://www.ford.co.uk   16 Jun 2010
Honda UK Ken Keir, Managing Director ken.keir@honda.co.uk http://www.honda.co.uk   3 Sep 2010
Jaguar Land Rover Carl-Peter Forster, Chief Executive pforster@jaguarlandrover.com
Part of Tata Motors 28 May 2010
Land Rover Phil Popham, Managing Director ppopham@jaguarlandrover.com
Part of JLR / Tata Motors 28 May 2010
Manganese Bronze (Taxis) John Russell, Group Chief Executive jrussell@manganese.com http://www.manganese.com
28 Jun 2010
Mercedes-Benz UK Simon Oldfield, Managing Director Customer Services simon.oldfield@daimler.com http://www.mercedes-benz.co.uk/
6 Aug 2010
Mitsubishi UK Lance Bradley, Managing Director l.bradley@mitsubishi-cars.co.uk http://www.mitsubishi-cars.co.uk   21 Jul 2010
Nissan UK Paul Willcox, Managing Director paul.willcox@nissan.co.uk http://www.nissan.co.uk
29 Mar 2010
Peugeot UK Jonathan Goodman, Managing Director jonathan.goodman@peugeot.com http://www.peugeot.co.uk
8 Jun 2010
Porsche GB Andy Goss, Managing Director andy.goss@porsche.co.uk http://www.porsche.co.uk
29 Mar 2010
Renault UK Roland Bouchaea, Managing Director roland.bouchara@renault.com http://www.renault.co.uk
14 Sep 2010
Rolls-Royce Motor Cars Torsten Müller-Ötvös, Chief Executive
http://www.rolls-roycemotorcars.com Part of BMW 3 Mar 2010
Toyota UK Miguel Fonseca, Managing Director miguel.fonseca@tgb.toyota.co.uk http://www.toyota.co.uk
21 Feb 2010
Vauxhall / Opel UK Nick Reilly, Chief Executive nick.reilly@gm.com http://www.vauxhall.co.uk
9 Feb 2010
Volkswagen UK Chris Craft, Director chris.craft@volkswagen.co.uk http://www.volkswagen.co.uk
29 Mar 2010
Volvo UK Peter Rask, Managing Director prask@volvocars.com http://www.volvocars.com/uk Part of Zhejiang Geely Holding Group 3 Apr 2010
Arts Council Alan Davey, Chief Executive alan.davey@artscouncil.org.uk

26 Sep 2010
Barnardo's Martin Narey, Chief Executive martin.narey@barnardos.org.uk

26 Sep 2010
British Heart Foundation Peter Hollins, Chief Executive hollinsp@bhf.org.uk

26 Sep 2010
Cancer Research UK

26 Sep 2010
National Trust

26 Sep 2010
Oxfam Barbara Stocking, Chief Executive bstocking@oxfam.org.uk

26 Sep 2010
RSPB Graham Wynne, Chief Executive graham.wynne@rspb.org.uk

26 Sep 2010
RSPCA Mark Watts, Chief Executive mwatts@rspca.org.uk

26 Sep 2010
Salvation Army

26 Sep 2010
Scope Richard Hawkes, Chief Executive richard.hawkes@scope.org.uk

26 Sep 2010
Wellcome Trust

26 Sep 2010
BOC Group Mike Huggon, Managing Director janet.sheldrick@boc.com (PA) http://www.boc.com Part of the Linde Group 3 Mar 2010
ICI John McAdam, Chief Executive john_mcadam@ici.co.uk http://www.ici.co.uk ICI.L (FTSE100)  
Reckitt Benckiser Bart Becht, Chief Executive
http://www.rb.com RB.L (FTSE100) 4 Jan 2010
Construction & Building          
Balfour Beatty Ian Tyler, Chief Executive ian.tyler@balfourbeatty.com http://www.balfourbeatty.com
16 Sep 2010
EAGA Insulation Drew Johnson, Chief Executive drew.johnson@eaga.com http://www.eaga.com
21 Aug 2010
Travis Perkins (Wickes, Toolstation, Tile Giant, Benchmarx) Geoff Cooper, Chief Executive geoff.cooper@travisperkins.co.uk http://www.travisperkins.co.uk
24 Sep 2010
Wain Homes Steve Toghill, Chief Executive steve.toghill@wainhomes.net http://www.wainhomes.net
21 Aug 2010
Alliance Boots Andy Hornby, Chief Executive andy.hornby@allianceboots.com http://www.allianceboots.com Privately held 17 May 2010
Arcadia Group (Burton, Dorothy Perkins, Evans, Miss Selfridge, Topman, Topshop, Wallis) Ian Grabiner, Chief Executive ian.grabiner@arcadiagroup.co.uk http://www.arcadiagroup.co.uk
21 Feb 2010
Argos Sara Weller, Managing Director sara.weller@argos.co.uk http://www.argos.co.uk Part of Home Retail Group 24 Jan 2010
ASDA Andy Clarke, Chief Executive andy.clarke@asda.co.uk http://www.asda.co.uk Part of Wal-Mart 21 May 2010
Boots Stefano Pessina, Executive Chairman stefano.pessina@allianceboots.com http://www.allianceboots.com Part of Alliance Boots  
Burberry Group Angela Ahrendts, Chief Executive angela.ahrendts@burberry.com http://www.burberry.com BRBY.L (FTSE100) 21 Feb 2010
Co-operative Group (Co-op) Peter Marks, Chief Executive peter.marks@co-operative.coop http://www.co-operative.coop Mutual 2 Dec 2009
Comet Hugh Harvey, Managing Director hugh.harvey@comet.co.uk http://www.comet.co.uk Part of KESA Electricals Group 30 Mar 2010
Damart Andy Hill, Chief Executive ahill@damart.co.uk http://www.damart.co.uk/
16 Sep 2010
Debenhams Rob Templeman, Chief Executive rob.templeman@debenhams.com http://www.debenhams.com DEB.L (FTSE250) 21 Feb 2010
Dreams Beds Nick Worthington, Chief Executive nickworthington@dreams.co.uk http://www.dreams.co.uk
21 Aug 2010
Dixons Group / Currys / PC World John Browett, Chief Executive john.browett@dixons.co.uk http://www.dixons.co.uk DXNS.L 28 Oct 2009
Flying Flowers Stephen Cook, Chief Executive scook@flyingbrands.com http://www.flyingflowers.co.uk   30 Oct 2009
Freeman Grattan Holdings (includes Freemans, Grattan & Lookagain) Koert Tulleners, Chief Executive koert.tulleners@fgh-uk.com
  13 Apr 2010
GAME Group PLC Lisa Morgan, Chief Executive lisa.morgan@game.co.uk http://www.gamegroup.plc.uk/   7 Feb 2010
Glen Dimplex (Belling, Burco, Carmen, Creda, Dimplex, Goblin, LEC, Morphy Richards, Xpelair) Sean O'Driscoll, Chief Executive sean.odriscoll@glendimplex.com http://www.glendimplex.com
24 Mar 2010
Greggs Ken McMeikan, Chief Executive ken.mcmeikan@greggs.co.uk http://www.greggs.co.uk GRG.L (FTSE250) 10 Feb 2010
Halfords David Wild, Chief Executive david.wild@halfords.co.uk http://www.halfords.co.uk   25 Jan 2010
Hillarys Blinds John Risman, Chief Executive john.risman@hillarys.co.uk http://www.hillarys.co.uk   19 Sep 2010
Home Retail Group (Argos and Homebase) Terry Duddy, Chief Executive terry.duddy@homeretailgroup.com http://www.homeretailgroup.com HOME.L (FTSE100) 23 Feb 2010

http://www.homebase.co.uk Part of Home Retail Group 10 Feb 2010
House of Fraser John King, Chief Executive jking@hof.co.uk http://www.houseoffraser.co.uk/
16 Sep 2010
Iceland Malcolm Walker, Chief Executive malcolm.walker@iceland.co.uk http://www.iceland.co.uk Part of Baugur  
JD Sports Barry Bown, Chief Executive barry.bown@jdplc.com http://www.jdsports.co.uk
8 Jun 2010
Jessops Trevor Moore, Chief Executive tmoore@jessops.com http://www.jessops.com   22 Sep 2010
JJB Sports Keith Jones, Chief Executive kjones@jjbsports.com http://www.jjbsports.com
23 Mar 2010
John Lewis Partnership Andy Street, Chief Executive andy_street@johnlewis.co.uk http://www.johnlewis.co.uk
17 May 2010
Kingfisher (B&Q and Screwfix) Ian Cheshire, Chief Executive ian.cheshire@kingfisher.com
KGF.L 25 Mar 2010
Kwik-Fit Ian Fraser, Chief Executive ian.fraser@kwik-fit.com http://www.kwik-fit.com   9 Apr 2010
Laura Ashley Lillian Tan, Chief Executive lillian.tan@lauraashley.com http://www.lauraashley.com
21 Feb 2010
Marks & Spencer Marc Bolland, Chief Executive marc.bolland@marks-and-spencer.com http://www.marksandspencer.com MKS.L (FTSE100) 11 Aug 2010
Morphy Richards Phil Green, Chief Executive phil.green@morphyrichards.co.uk http://www.morphyrichards.co.uk part of Glen Dimplex 24 Mar 2010
Morrisons Dalton Philips, CEO dalton.philips@morrisonsplc.co.uk http://www.morrisons.co.uk MRW.L (FTSE100) 24 May 2010
Mothercare Ben Gordon, Managing Director ben.gordon@mothercare.co.uk http://www.mothercare.com
30 Mar 2010
Next Simon Wolfson, Chief Executive simon.wolfson@nextplc.co.uk
NXL.L (FTSE100) 29 May 2010
Ocado Tim Steiner, Chief Executive Tim.steiner@ocado.com http://www.ocado.com Partly owned by John Lewis Partnership 3 Sep 2009
Paperchase Timothy Elliot-Murray-Kynynmound timothy@paperchase.co.uk http://www.paperchase.co.uk   11 Feb 2010
Peter Jones Simon Fowler, Managing Director simon_fowler@johnlewis.co.uk
Part of John Lewis Partnership 26 Mar 2010
play.com John Perkins, Chief Executive john.perkins@play.com http://www.play.com
3 Jun 2010
Sainsbury Justin King, Chief Executive justin.king@sainsburys.co.uk http://www.sainsbury.co.uk SBRY.L (FTSE100) 3 Sep 2009
Shop Direct (Empire Stores, Great Universal, Kays, Littlewoods, Very, Marshall Ward, Woolworths) Mark Newton-Jones, Chief Executive mark.newton-jones@shopdirect.com http://www.shopdirect.com
8 Jun 2010
http://www.somerfield.co.uk Part of Co-operative Group 10 Dec 2009
Specsavers John Perkins, Chief Executive dougp@uk.specsavers.com http://www.specsavers.co.uk
14 Sep 2010
Sports Direct Dave Forsey, Chief Executive Dave.Forsey@sportsdirect.com http://www.sportsdirect.com
22 Apr 2010
Staples Peter Birks, VP UK & Ireland peter.birks@staples.co.uk http://www.staples.co.uk
24 Jan 2010
Steinhoff Group / Homestyle / Harveys / Benson for Beds / Sleepmaster / Cargo Markus Jooste, Chief Executive markus.jooste@steinhoff.co.za http://www.sukf.co.uk
14 Sep 2010
Tesco Terry Leahy, Chief Executive terry.leahy@uk.tesco.com http://www.tesco.com TSCO.L (FTSE100) 27 Nov 2009
Thorntons Mike Davies, Chief Executive mike.davies@thorntons.co.uk http://www.thorntons.co.uk   5 Feb 2009
Toolstation Mark Goddard-Watts, Chief Executive mark@toolstation.com http://www.toolstation.com   21 Aug 2010
Waitrose Mark Price, Managing Director mark_price@waitrose.co.uk http://www.waitrose.co.uk Part of John Lewis Partnership 8 Oct 2009
WH Smith Kate Swann, Chief Executive kate.swann@whsmith.co.uk http://www.whsmith.co.uk
19 Feb 2010
Electrical & Electronics            
Canon UK

http://www.canon.co.uk   22 Sep 2010
Indesit UK (Hotpoint, Indesit, Cannon & Creda) Enrico Vita, Chief Executive enrico.vita@indesit.com http://www.indesit.co.uk   16 Sep 2010
LG UK Brian Na, President brian.na@lge.com http://www.lge.co.uk   16 Sep 2010
Nikon UK Michio Miwa, President Michio.Miwa@nikon.co.uk http://www.nikon.co.uk   22 Sep 2010
Finance and Insurance          
AEGON Scottish Equitable Otto Thoresen, Chief Executive Otto.Thoresen@aegon.co.uk http://www.aegon.co.uk   24 Jan 2010
Alliance & Leicester

http://www.alliance-leicester.co.uk Part of Santander Group 10 Dec 2009
American Express UK Raymond Joabar, Country Manager raymond.joabar@aexp.com http://www.americanexpress.co.uk
9 Aug 2010
Aviva and Royal Automobile Club (RAC) Andrew Moss, Chief Executive andrew_moss@aviva.com http://www.aviva.com AV.L (FTSE100) 21 Aug 2010
AXA UK Nicolas Moreau, Chief Executive nicolas.moreau@axa.co.uk

18 Feb 2010
Bank of England Mervyn King, Governor mervyn.king@bankofengland.co.uk http://www.bankofengland.co.uk
10 Feb 2010
Barclaycard Amer Sajed, Managing Director amer.sajed@barclaycard.co.uk http://www.barclaycard.co.uk
20 Sep 2010
Barclays John Varley, Chief Executive john.varley@barclays.com http://www.barclays.co.uk BARC.L (FTSE100) 10 Nov 2009
Bradford & Bingley Richard Banks, Managing Director richard.banks@bbg.co.uk http://www.bradford-bingley.co.uk Nationalised 19 March 2010
Britannia Building Society

  Part of Co-Operative Group 10 Dec 2009
Britannic Paul Thompson, Chief Executive thompsonp@britannic.co.uk   Part of Pearl Group  
Callcredit Information Group John McAndrew, Chief Executive john.mcandrew@callcredit.co.uk http://www.callcredit.co.uk
1 May 2010
Camelot Group (National Lottery) Dianne Thompson, Chief Executive dianne.thompson@camelotgroup.co.uk http://www.camelotgroup.co.uk   9 Feb 2010
Clydesdale Bank Lynne Peacock, Chief Executive Lynne.Peacock@cbonline.co.uk http://www.cbonline.co.uk Part of National Australia Bank 16 Dec 2009
Co-operative Financial Services / Co-op Bank Neville Richardson, Chief Executive neville.richardson@cfs.coop http://www.co-operativebank.co.uk Mutual 8 Mar 2010
Deutsche Bank UK Colin Grassie, Chief Executive colin.grassie@db.com http://www.db.com
21 Jul 2010
Egg Bert Pijls, Chief Executive bert.pijls@citi.com http://www.egg.com Part of Citibank 30 Mar 2010
Equifax Sandra Lawrence, UK General Manager sandra.lawrence@equifax.com http://www.equifax.co.uk
19 Apr 2010
Esure / Sheila's Wheels Peter Wood, Chief Executive peter.wood@esure.com http://www.esure.com
1 Sep 2010
Experian / Credit Expert Don Robert, Chief Executive don.robert@uk.experian.com http://www.experian.co.uk
020 3042 4215
EXPN.L (FTSE100) 21 Sep 2010
First Direct Chris Pilling, Chief Executive chrispilling@firstdirect.com http://www.firstdirect.com Part of HSBC 25 May 2010
Friends Provident Trevor Matthews, Chief Executive trevor.matthews@friendsprovident.co.uk http://www.friendsprovident.co.uk FP.L (FTSE100)  
HSBC UK Paul Thurston, Chief Executive managingdirectoruk@hsbc.com http://www.hsbc.co.uk HSBA.L (FTSE100)  
ICICI Bank UK Suvek Nambiar, Managing Director suvek.nambiar@icicibank.com http://www.icicibank.com
28 May 2010
ING Direct UK Richard Doe, Chief Executive richard.doe@ingdirect.co.uk http://www.ingdirect.co.uk
23 Sep 2010
Ladbrokes Richard Glynn, Chief Executive richard.glynn@ladbrokes.co.uk http://www.ladbrokes.co.uk
15 Jul 2010
Legal & General Tim Breedon, Chief Executive tim.breedon@group.landg.com http://www.landg.com LGEN.L (FTSE100)  
Liverpool Victoria Mike Rogers, Chief Executive mike.rogers@lv.com http://www.lv.com Mutual 23 Oct 2009
Lloyds TSB (includes Halifax / Bank of Scotland (HBOS)) Eric Daniels, Chief Executive eric.daniels@lloydstsb.co.uk http://www.lloydstsb.co.uk LLOY.L (FTSE100) 2 Sep 2009
Mastercard UK Hany Fam, General Manager hany.fam@mastercard.com http://www.mastercard.co.uk
26 Sep 2010
MBNA / Bank of America (UK) Ian O'Doherty, Chief Executive ian.odoherty@bankofamerica.com
Part of RBS Group 5 March 2010
Nationwide Graham Beale, Chief Executive gjbeale2@nationwide.co.uk http://www.nationwide.co.uk
(Tel: 01793 513 513 then say "Graham Beale")
Mutual 14 Sep 2010

Part of RBS Group 17 Feb 2010
Neovia Financial (Netbanx, Neteller, Net+) Mark Mayhew, Chief Executive mark.mayhew@neovia.com http://www.neovia.com
7 Jul 2010
Northern Rock Gary Hoffman, Chief Executive gary.hoffman@northernrock.co.uk http://www.northernrock.co.uk Nationalised 28 Oct 2009
Prudential Tidjane Thiam, Chief Executive tidjane.thiam@prudential.co.uk http://www.prudential.co.uk PRU.L (FTSE100) 4 Jan 2010
Royal & Sun Alliance (RSA) and "More Than" Andy Haste, Chief Executive andy.haste@gcc.rsagroup.com http://www.royalsunalliance.com RSA.L (FTSE100) 2 Sep 2010
Royal Bank of Scotland (RBS Group) Stephen Hester Stephen.Hester@rbs.co.uk http://www.rbs.co.uk RBS.L (FTSE100) 8 Feb 2010
Santander Group (formerly Abbey) Antonio Horta-Osorio Antonio.Osorio@santander.co.uk http://www.santander.co.uk
10 Dec 2009
Scottish Life John Deane, Chief Executive jdeane@scottishlife.co.uk http://www.scottishlife.co.uk   16 Dec 2009
Skipton Building Society David Cutter, Chief Executive david.cutter@skipton.co.uk http://www.skipton.co.uk Mutual 2 Feb 2010
Standard Chartered Bank Peter Sands, Group Chief Executive peter.sands@sc.com http://www.standardchartered.com STAN.L (FTSE100) 10 Feb 2010
Standard Life David Nish, Chief Executive david_nish@standardlife.com http://www.standardlife.com SL.L (FTSE100) 10 Feb 2010
Student Loans Company (SLC) Ed Lester, Chief Executive Ed_Lester@slc.co.uk http://www.slc.co.uk
Tel: 0141 306 2000

6 Sep 2010
Yorkshire Building Society / Chelsea Building Society Iain Cornish, Chief Executive iccornish@ybs.co.uk http://www.ybs.co.uk
17 Mar 2010
Health & Pharmaceutical          
Amersham William Castell, Chief Executive william.castell@amersham.com http://www.amersham.com   5 Feb 2009
AstraZeneca David Brennan, Chief Executive david.brennan@astrazeneca.com http://www.astrazeneca.com AZN.L (FTSE100) 5 Feb 2009
GlaxoSmithKline Andrew Witty, Chief Executive andrew.witty@gsk.com http://www.gsk.com GSK.L (FTSE100) 18 Feb 2010
ARM Holdings Warren East, Chief Executive warren.east@arm.com http://www.arm.com ARM.L (FTSE250) 21 Feb 2010
Autonomy Mike Lynch, Chief Executive mlynch@autonomy.com http://www.autonomy.com AU.L (FTSE100) 21 Feb 2010
Leisure & Entertainment          
Carnival (formerly P and O) Micky Arison, Chairman & Chief Executive marison@carnival.com   CCL.L (FTSE100) 30 Jul 2010
Football Association (FA) Premier League Richard Scudamore, Chief Executive rscudamore@premierleague.com  
21 Mar 2010
Silverstone Circuits Richard Phillips, Chief Executive richard.phillips@silverstone.co.uk  
21 Aug 2010
B Sky B Jeremy Darroch, Chief Executive jeremy.darroch@bskyb.com http://www.bskyb.com BSY.L (FTSE100) 23 Oct 2009
BBC Mark Thompson, Director General mark.thompson@bbc.co.uk http://www.bbc.co.uk N/A 15 Feb 2010
BBC Today Program
today@bbc.co.uk http://www.bbc.co.uk/today N/A 5 Feb 2010
BBC Watchdog
watchdog@bbc.co.uk http://www.bbc.co.uk/watchdog/ N/A 5 Feb 2010
BBC Working Lunch
workinglunch@bbc.co.uk http://www.bbc.co.uk/workinglunch/ N/A 5 Feb 2010
Channel 4 David Abraham, Chief Executive dabraham@channel4.co.uk http://www.channel4.co.uk
15 Jul 2010
Daily Telegraph Will Lewis, Editor will.lewis@telegraph.co.uk http://www.telegraph.co.uk
Tel: 0207 931 2000
N/A 15 Feb 2010
EMAP David Gilbertson, Chief Executive david.gilbertson@emap.com http://www.emap.com Owned by Apax and Guardian Media Group 24 Nov 2009
The Guardian Alan Rusbridger, Editor alan.rusbridger@guardian.co.uk http://www.guardian.co.uk N/A 5 Feb 2010
The Independent Simon Kelner, Editor s.kelner@independent.co.uk http://www.independent.co.uk
Tel: 020 7005 2000
N/A 14 May 2010
The Independent on Sunday John Mullin, Editor j.mullin@independent.co.uk http://www.independent.co.uk N/A 5 Feb 2010
ITV Adam Crozier, Chief Executive adam.crozier@itv.com http://www.itv.com
21 May 2010
PR Week Danny Rogers, Editor danny.rogers@haymarket.com http://www.prweek.com
16 Sep 2010
Reed Elsevier Erik Engstrom, Chief Executive erik.engstrom@reedelsevier.com http://www.reedelsevier.com REL.L (FTSE100) 21 Feb 2010
Reuters Group Tom Glocer, Chief Executive tom.glocer@reuters.com http://www.reuters.com    
The Sunday Times John Witherow, Editor john.witherow@thetimes.co.uk http://www.timesonline.co.uk N/A 5 Feb 2010
The Times James Harding, Editor james.harding@thetimes.co.uk http://www.timesonline.co.uk N/A 5 Feb 2010
YouView Roger Halton, Chief Executive richard.halton@youview.com http://www.youview.com
16 Sep 2010
Metallurgy & Minerals          
Antofagasta       ANTO.L (FTSE100)  
Anglo American Cynthia Carroll, Chief Executive ccarroll@angloamerican.co.uk http://www.angloamerican.co.uk AAL.L (FTSE100) 5 Feb 2009
BHP Billiton Marius Kloppers, Chief Executive marius.kloppers@bhpbilliton.com http://www.bhpbilliton.com BLT.L (FTSE100) 21 Feb 2010
Lonmin Ian Farmer, Chief Executive ian.farmer@lonmin.com http://www.lonmin.com LMI.L (FTSE100) 9 Feb 2010
Randgold Resources Mark Bristow, Chief Executive mbristow@randgoldresources.com http://www.randgoldresources.com RRS.L (FTSE100) 21 Feb 2010
Rexam Graham Chipchase, Chief Executive graham.chipchase@rexam.com http://www.rexam.com REX.L (FTSE100) 21 Feb 2010
Rio Tinto Tom Albanese tom.albanese@riotinto.com http://www.riotinto.com RIO.L (FTSE100) 21 Feb 2010
Vedanta Resources MS Mehta, Chief Executive ms.mehta@vedanta.co.in http://www.vedantaresources.com VED.L (FTSE100) 21 Feb 2010
Xstrata Mick Davis, Chief Executive mdavis@xstrata.com http://www.xstrata.com XTA.L (FTSE100) 8 Jan 2010
Oil and Natural Gas          
BG Group Frank Chapman, Chief Executive frank.chapman@bg-group.com http://www.bg-group.com BG.L (FTSE100) 5 Feb 2009
BP Tony Hayward, Chief Executive tony.hayward@bp.com http://www.bp.com BP.L (FTSE100) 13 Nov 2009
Cairn Energy Bill Gammell, Chief Executive bill.gammell@cairnenergy.com http://www.cairnenergy.com CNE.L (FTSE100) 13 Nov 2009
Petrofac Ayman Asfari, Chief Executive ayman.asfari@petrofac.com http://www.petrofac.com PFC.L (FTSE100) 21 Feb 2010
Royal Dutch Shell Peter Voser, Chief Executive peter.voser@shell.com http://www.shell.com RDSA.AS (FTSE100) 13 Nov 2009
Tullow Oil Aidan Heavey, Chief Executive Aidan.Heavey@tullowoil.com http://www.tullowoil.com TLW.L (FTSE100) 13 Nov 2009
British Land Company Chris Grigg, Chief Executive chris.grigg@britishland.com http://www.britishland.com BLND.L (FTSE100) 21 Feb 2010
Land Securities Francis Salway, Chief Executive francis.salway@landsecurities.com http://www.landsecurities.com LAND.L (FTSE100) 21 Feb 2010
Aggreko Rupert Soames, Chief Executive rupert.soames@aggreko.com http://www.aggreko.com AGK.L (FTSE250) 21 Feb 2010
AMEC Samir Brikho, Chief Executive samir.brikho@amec.com http://www.amec.com AMEC.L (FTSE100) 21 Feb 2010
Anglian Water Group Peter Simpson, Managing Director psimpson@anglianwater.co.uk http://www.anglianwater.co.uk Part of Osprey consortium 18 Jan 2010
BUPA Healthcare Ray King, Chief Executive ray.king@bupa.com http://www.bupa.com
21 Aug 2010
Capita Paul Pindar, Chief Executive paul.pindar@capita.co.uk http://www.capita.co.uk CPI.L (FTSE100) 21 Feb 2010
Centrica / British Gas Sam Laidlaw, Chief Executive sam.laidlaw@centrica.co.uk http://www.centrica.com CNA.L (FTSE100) 23 Oct 2009
City Link Stuart Godman, Managing Director stuart.godman@city-link.co.uk http://www.city-link.co.uk   4 Jun 2010
Compass Group Richard Cousins, Chief Executive richard.cousins@compass-group.co.uk http://www.compass-group.com CPG.L (FTSE100) 23 Oct 2009
E.ON Paul Golby, Chief Executive paul.golby@eon-uk.com http://www.eon-uk.com Part of E.ON AG 5 Feb 2009
EDF Energy Vincent Derivaz, Chief Executive vincent.derivaz@edfenergy.com http://www.edfenergy.com   30 Jul 2010
First Utility Mark Daeche, Chief Executive mark.daeche@first-utility.com http://www.first-utility.com
14 Sep 2010
Homeserve Richard Harpin, Chief Executive richard.harpin@homeserve.com http://www.homeserve.com   18 Jan 2010
G4S (Group 4 Securicor) Nick Buckles, Chief Executive nick.buckles@g4s.com http://www.g4s.com GFS.L (FTSE100) 1 Sep 2010
National Grid Steve Holliday, Chief Executive steven.holliday@ngrid.com http://www.nationalgrid.com (FTSE100) 21 Jul 2010
Post Office Limited David Smith, Managing Director david.smith@royalmail.com http://www.royalmail.com Part of Royal Mail 19 May 2010
Royal Mail Moya Greene, Chief Executive moya.greene@royalmail.com http://www.royalmail.com N/A 21 Sep 2010
RWE npower Volker Beckers, Chief Executive volker.beckers@rwe.com http://www.npower.com Part of RWE npower 4 Jun 2010
Scottish Power Nick Horler, Chief Executive nhorler@iberdrola.es http://www.scottishpower.com Part of Iberdrola 9 Apr 2010
Scottish and Southern Energy Ian Marchant, Chief Executive ian.marchant@scottish-southern.co.uk http://www.scottish-southern.co.uk SSE.L (FTSE100) 16 Feb 2010
Serco Christopher Hyman, Chief Executive chris.hyman@serco.com http://www.serco.com SRP.L (FTSE100) 30 Mar 2010
Severn Trent Tony Wray, Chief Executive tony.wray@severntrent.co.uk http://www.severn-trent.com SVT.L (FTSE100) 15 Feb 2010
South East Water Paul Butler, Managing Director pbutler@southeastwater.co.uk http://www.southeastwater.co.uk   21 Feb 2010
Thames Water Martin Baggs, Chief Executive martin.baggs@thameswater.co.uk http://www.thameswater.co.uk   2 Sep 2010
TNT Post Nick Wells, Chief Executive nick.wells@tntpost.co.uk http://www.tntpost.co.uk   4 Jun 2010
United Utilities Philip Green, Chief Executive philip.green@uuplc.co.uk http://www.unitedutilities.com UU.L (FTSE100) 28 Dec 2009
Yorkshire Water / Kelda Kevin Whiteman, Chief Executive kevin.whiteman@keldagroup.com http://www.keldagroup.com
27 Aug 2010
Telecommunications and Internet          
BT Group Ian Livingston, Chief Executive ian.livingston@bt.com http://www.bt.com BT.L (FTSE100) 5 Feb 2009
Cable & Wireless UK John Pluthero, Executive Chairman john.pluthero@cw.com   CW.L (FTSE100) 28 Oct 2009
Carphone Warehouse Group / Talk Talk / Tiscali / Pipex Charles Dunstone, Chief Executive dunstonec@cpw.co.uk http://www.cpwplc.com   10 Sep 2010
Google UK Matt Brittin, Managing Director mbrittin@google.com http://www.google.co.uk   8 Feb 2010
Inmarsat Andrew Sukawaty, Chairman & Chief Executive andrew_sukawaty@inmarsat.com http://www.inmarsat.com ISAT.L (FTSE100) 10 Feb 2010
O2 Ronan Dunne, Chief Executive ronan.dunne@o2.com http://www.o2.com   23 Oct 2009
Orange Tom Alexander, Chief Executive Tom.Alexander@orange.co.uk http://www.orange.co.uk   5 Feb 2009
Phorm / Webwise (spyware) Kent Ertugrul, Chief Executive kent.ertugrul@phorm.com
  24 Jan 2010
Plusnet Jamie Ford, Chief Executive jford@plus.net http://www.plus.net Part of BT Group 14 Sep 2010
T-Mobile Richard Moat, Chief Executive MDTMOB@t-mobile.co.uk http://www.t-mobile.co.uk   1 Feb 2010
Tiscali Mary Turner, Managing Director mary.turner@uk.tiscali.com http://www.tiscali.co.uk Part of Carphone Warehouse 16 Sep 2010
Three Kevin Russell, Chief Executive kevin.russell@three.co.uk http://www.three.co.uk   28 Oct 2009
Thus / Demon Stewart Smythe, Managing Director stewart.smythe@thus.net http://www.thus.net   17 Aug 2010
Virgin Media (previously Telewest) Neil Berkett, Chief Executive neil.berkett@virginmedia.co.uk http://www.virginmedia.co.uk NASDAQ:VMED 24 Jan 2010
Vodafone worldwide Vittorio Colao, Chief Executive vittorio.colao@vodafone.com http://www.vodafone.com VOD.L (FTSE100) 5 Feb 2009
Vodafone UK Guy Laurence, Chief Executive guy.laurence@vodafone.com http://www.vodafone.com
5 Feb 2009
Yell Group John Condron, Chief Executive john.condron@yellgroup.com http://www.yellgroup.com   28 Oct 2009
British American Tobacco Paul Adams, Chief Executive paul_adams@bat.com http://www.bat.com BATS.L (FTSE100) 31 Oct 2009
Imperial Tobacco Alison Cooper, Chief Executive alison.cooper@uk.imptob.com http://www.imptob.co.uk IMT.L 14 Sep 2010
Air France, UK Henri Hourcade, UK & Ireland General Manager henri.hourcade@airfrance.fr http://www.airfrance.fr   5 Feb 2010
Air Southwest Peter Davies, Chief Executive p.davies@airsouthwest.com http://www.airsouthwest.com   25 Mar 2010
Airmiles Andrew Swaffield, Managing Director andrew_swaffield@themileagecompany.com http://www.airmiles.co.uk   8 Jul 2010
Arriva Andrew Swaffield, Managing Director andrew_swaffield@themileagecompany.com http://www.airmiles.co.uk   8 Jul 2010
Avis UK Kevin Bradshaw, Chief Executive kevin.bradshaw@avis.co.uk http://www.avis.co.uk   17 Aug 2010
BAA Colin Matthews, Chief Executive colin_matthews@baa.com http://www.baa.com   16 Feb 2010
British Airways (BA) Willie Walsh, Chief Executive willie.walsh@ba.com http://www.britishairways.com BAY.L (FTSE100) 23 Mar 2010
BMI / BMIBaby Wolfgang Prock-Schauer, Chief Executive wolfgang.prock-schauer@flybmi.com http://www.flybmi.com
21 Sep 2010
Carlson (Regent, Radisson, TGI Friday) Hubert Joly, Chief Executive hubert.joly@carlson.com http://www.carlson.com   3 Jun 2010
DHL UK Ken McCall, Chief Executive ken.mccall@dhl.com http://www.dhl.com   24 Jan 2010
Diamond Holidays Kevin Riley, Managing Director KRiley@diamondhols.co.uk http://www.diamondhols.co.uk   24 Jan 2010
East Coast Trains Elaine Holt, Chief Executive elaine.holt@directlyoperatedrailways.co.uk http://www.directlyoperatedrailways.co.uk   21 Aug 2010
Easyjet Carolyn McCall, Chief Executive carolyn@easyjet.com http://www.easyjet.com Part of Easy Group 1 Sep 2010
Easy Group Andrew Robb-John, Chief Executive Anthony.Robb-John@easygroup.co.uk

19 Jan 2010
Europcar / National Car Rental UK Mark Cotterill, Chief Executive Mark.Cotterill@europcar.com http://www.europcar.co.uk   24 Jan 2010
Eurostar Nicolas Petrovic, Chief Executive nicolas.petrovic@eurostar.co.uk http://www.eurostar.co.uk   19 Sep 2010
Eurotunnel Jacques Gounon, Chief Executive jacques.gounon@eurotunnel.com http://www.eurotunnel.com ETL.L 19 Sep 2010
First Group Moir Lockhead, Chief Executive moir.lockhead@firstgroup.com http://www.firstgroup.com
14 May 2010
Flybe Jim French, Chief Executive jim.french@flybe.com http://www.flybe.com
27 Feb 2010
Hertz UK Neil Cunningham, General Manager NCunningham@hertz.com http://www.hertz.co.uk   17 Aug 2010
Highland Airways Alan Mossman, Chief Executive AMossman@highlandairways.co.uk http://www.highlandairways.co.uk   25 Mar 2010
Holidaybreak Martin Davies, Chief Executive martin.davies@holidaybreak.com http://www.holidaybreak.com
25 May 2010
lastminute.com Ian McCaig, Chief Executive ian.mccaig@lastminute.com http://www.lastminute.com Part of Travelocity Europe 10 Dec 2009
Monarch Airlines Tim Jeans, Chief Executive tim.jeans@monarch.co.uk http://www.monarch.co.uk   24 Jan 2010
National Express Dean Finch, Chief Executive dean.finch@nationalexpress.com http://www.nationalexpress.co.uk   26 Sep 2010
Network Rail Iain Coucher, Chief Executive iain.coucher@networkrail.co.uk http://www.networkrail.co.uk Nationalised  
Northern Rail Ian Bevan, Managing Director ian.bevan@northernrail.org http://www.northernrail.org   15 Jul 2010
Royal Caribbean Cruises Adam Goldstein, Chief Executive agoldstein@rccl.com

SAGA / Automobile Association (AA) Andrew Goodsell, Chief Executive Andrew.Goodsell@saga.co.uk http://www.saga.co.uk N/A 22 Mar 2010
Southern Railway Chris Burchell, Chief Executive chris.burchell@southernrailway.com http://www.southernrailway.com   19 Sep 2010
Stagecoach Brian Souter, Chief Executive glenys.mackreth@stagecoachgroup.com http://www.stagecoachgroup.com SGC.L 8 Feb 2010
thetrainline.com Murray Hennessy, Chief Executive murray.hennessy@thetrainline.com http://www.thetrainline.com N/A 4 Feb 2010
Thomas Cook Group Manny Fontenla-Novoa, Chief Executive Contact via Chairman: paul.hollingworth@thomascook.com http://www.thomascookgroup.com TCG.L (FTSE100) 8 Feb 2010
Thomson / TUI Travel Dermot Blastland, Managing Director dermot.blastland@tui-uk.co.uk http://www.thomson.co.uk
29 Apr 2010
Travelodge Grant Hearn, Chief Executive grant.hearn@travelodge.co.uk http://www.travelodge.co.uk Owned by Dubai International Capital 18 Mar 2010
Virgin Atlantic Richard Branson, Chairman richard.branson@fly.virgin.com http://www.virgin-atlantic.com   30 May 2010
Virgin Trains Tony Collins, Chief Executive tony.collins@virgintrains.co.uk http://www.virgintrains.co.uk   30 May 2010
Weapons and Aerospace          
Atomic Weapons Establishment (AWE) Bill Haight, Managing Director bill.haight@awe.co.uk http://www.awe.co.uk
Tel: 0118 981 4111
N/A 16 Jun 2010
BAE Systems Ian King, Chief Executive ian.king@baesystems.com http://www.baesystems.com BA.L (FTSE100) 16 Jun 2010
EDO MBM Paul Hills, Chief Executive paul.hills@itt.com http://www.edombmtech.co.uk
Tel: 01273 810 500
Part of ITT 2 Jul 2010
Rolls-Royce John Rose, Chief Executive john.rose@rolls-royce.co.uk http://www.rolls-royce.com RR.L (FTSE100) 16 Jun 2010
Wood and Paper          
Bunzl       BNZL.L (FTSE100) 21 Feb 2010

UK Regulators

Organisation CEO E-mail Address Website Last verified
Advertising Advertising Standards Authority (ASA) Gordon Borrie, Chairman   http://www.asa.org.uk  
Chemicals Chemicals Regulation Directorate Dr Kerr Wilson, Chief Executive kerr.wilson@psd.defra.gsi.gov.uk http://www.pesticides.gov.uk 8 Dec 2009
Communications Ofcom Ed Richards, Chief Executive ed.richards@ofcom.org.uk http://www.ofcom.org.uk 28 Sep 2009
Education Ofsted Christine Gilbert, Chief Inspector cgilbert@ofsted.gov.uk http://www.ofsted.gov.uk 28 Sep 2009
Electricity & Gas Ofgem Alistair Buchanan alistair.buchanan@ofgem.gov.uk http://www.ofgem.gov.uk 28 Sep 2009
Environmental Protection Environment Agency Paul Leinster paul.leinster@environment-agency.gov.uk http://www.environment-agency.gov.uk 7 Dec 2009
Equality (race, gender) Equality and Human Rights Commission (EHRC) Trevor Phillips trevor.phillips@equalityhumanrights.com http://www.equalityhumanrights.com 1 Feb 2010
Finance Financial Services Authority (FSA) Hector Sants, Chief Executive hector.sants@fsa.gov.uk http://www.fsa.gov.uk 28 Sep 2009
Food Food Standards Agency Tim Smith, Chief Executive tim.smith@foodstandards.gsi.gov.uk http://www.food.gov.uk 28 Sep 2009
Premium Rate Telephone Numbers PhonePayPlus (formerly ICSTIS) Paul Whiteing, Chief Executive pwhiteing@phonepayplus.org.uk http://www.phonepayplus.org.uk 5 Dec 2009
Railways Office of Rail Regulation Anna Walker, Chair anna.walker@orr.gsi.gov.uk http://www.rail-reg.gov.uk 8 Dec 2009
Tax HM Revenue & Customs (HMRC) Lesley Strathie, Chief Executive Lesley.Strathie@hmrc.gsi.gov.uk http://www.dvla.gov.uk 16 Sep 2010
Vehicles DVLA Simon Tse, Chief Executive simon.tse@dvla.gsi.gov.uk http://www.dvla.gov.uk 16 Sep 2010
Water Ofwat Regina Finn, Chief Executive regina.finn@ofwat.gsi.gov.uk http://www.ofwat.gov.uk 28 Sep 2009

European Companies

Company Name Based In CEO Name CEO E-mail Address Website Stock Symbol Last Verified
Audi Germany Rupert Stadler, Chief Executive rupert.stadler@audi.de     1 Feb 2010
BMW Germany Norbert Reithofer, Chief Executive norbert.reithofer@bmw.de http://www.bmw.com    
DaimlerChrysler Germany Dr Dieter Zetsche, Chief Executive
Manfred Bischoff, Chairman
Opel Germany Hans Demant, Chief Executive hans.demant@de.opel.com http://www.opel.com    
Saab Sweden Jan-Ake Jonsson, Chief Executive jan-ake.jonsson@gm.com http://www.saab.com   1 Feb 2010
Volkswagen Germany Martin Winterkorn, Chief Executive martin.winterkorn@volkswagen.de http://www.volkswagen.com    
Bayer Germany Werner Wenning, Chief Executive werner.wenning.ww@bayer-ag.de http://www.bayer.de    
Electrical & Electronics            
Indesit (Hotpoint) Italy Marco Milani, Chief Executive marco.milani@indesit.com http://www.indesit.com   16 Sep 2010
Nokia Finland Olli-Pekka Kallasvuo, Chief Executive olli-pekka.kallasvuo@nokia.com http://www.nokia.com   13 Nov 2009
Siemens Germany Peter Löscher, Chief Executive peter.loescher@siemens.com http://www.siemens.com   8 Jun 2010
Finance & Insurance            
Bank of Ireland Ireland Richie Boucher, Chief Executive Richie.Boucher@boimail.com www.bankofireland.ie   19 May 2010
Deutsche Bank Germany Josef Ackermann, Chairman josef.ackermann@db.com www.db.com   22 Sep 2010
Food & Drink            
Nestle Switzerland Peter Brabeck-Letmathe, Chief Executive Peter.Brabeck-Letmathe@nestle.com http://www.nestle.com   11 Aug 2010
IKEA Sweden Anders Dahlvig, Chief Executive anders.dahlvig@memo.ikea.com http://www.ikea.com   5 Feb 2009
Internet and Telecommunications            
France Telecom Orange France Stéphane Richard, Chief Executive stephane.richard@orange-ftgroup.com http://www.orange.com   21 Aug 2010
Lavasoft (Ad-Aware) Sweden Jason King, Chief Executive jason.king@lavasoft.com http://www.lavasoft.com   21 Jan 2010
Meetic / Dating Direct / match.com France Marc Simoncini, Chief Executive m.simoncini@ilius.net
  23 Aug 2010
Opera Sweden Lars Boilesen, Chief Executive lars.boilesen@opera.com http://www.opera.com   21 Feb 2010
Adidas Group Germany Erich Stamminger, Chief Executive Erich.Stamminger@adidas-group.com http://www.adidas-group.com   5 Feb 2009
Fred Olsen Cruises Sweden Anette Olsen, Chief Executive anette.olsen@fredolsen.no http://www.fredolsen.no   11 Jun 2010
KLM Netherlands Peter Hartman, Chief Executive peter.hartman@klm.com http://www.klm.com   21 Aug 2010
SNCF (French railways) France Guillaume Pepy, Chief Executive / PDG guillaume.pepy@sncf.fr http://www.sncf.fr   20 May 2010
Swiss Airlines Switzerland Harry Hohmeister, Chief Executive / PDG harry.hohmeister@swiss.com http://www.swiss.com   12 Jul 2010

Swedish Companies

IKEA Anders Dahlvig, Chief Executive anders.dahlvig@memo.ikea.com http://www.ikea.com

Finnish Companies

Sector Company Name CEO Name CEO E-mail Address Website

Nokia Olli-Pekka Kallasvuo, Chief Executive olli-pekka.kallasvuo@nokia.com http://www.nokia.com

Japanese Companies

Sector Company Name CEO Name CEO E-mail Address Website

Sony Howard Stringer, Chairman and Chief Executive Howard.Stringer@jp.sony.com http://www.sony.co.jp

US Companies

Company Name CEO Name CEO E-mail Address Website Symbol Last Verified
Chrysler Sergio Marchionne, CEO Sergio.Marchionne@chrysler.com http://www.chrysler.com   13 Nov 2009
Ford Alan Mulally, CEO amulally@ford.com http://www.ford.com   28 May 2010
General Motors (GM) - Buick, Cadillac, Chevrolet, Opel, Vauxhall Fritz Henderson, CEO Frederick.Henderson@gm.com http://www.gm.com   13 Nov 2009
Nissan USA Carlos Ghosn, CEO carlos.ghosn@nissan-usa.com http://www.nissanusa.com   1 Jul 2010
Monsanto Hugh Grant, CEO hugh.grant@monsanto.com http://www.monsanto.com NYSE:MON 28 Oct 2009

Part of DuPont 16 Dec 2009
Accenture William Green, CEO william.d.green@accenture.com http://www.accenture.com NYSE:ACN 13 Nov 2009
Ernst & Young Jim Turley, CEO james.turley@ey.com http://www.ey.com
3 May 2010
Consumer Goods          
Craftmatic Industries Stanley Kraftsow, CEO stan@elevationbed.com

19 Apr 2010
Energizer (includes Schick-Wilkinson Sword and Playtex)

27 Feb 2010
Procter and Gamble Robert McDonald, CEO mcdonald.ra@pg.com http://www.pg.com NYSE:PG 27 Feb 2010
Walmart Mike Duke, CEO michael.t.duke@walmart.com http://www.walmart.com
24 Sep 2010
Disney Robert Iger, CEO robert.a.iger@disney.com http://www.disney.com   10 Feb 2010
Kodak Antonio Perez, Chairman & CEO Antonio.Perez@kodak.com http://www.kodak.com NYSE:EK 16 Dec 2009
Livenation Michael Rapino, CEO michaelrapino@livenation.com http://www.livenation.com
9 Aug 2010
Sony Computer Entertainment America Jack Tretton, President & CEO jack_tretton@playstation.sony.com

9 Feb 2010
Bank of America Brian Moynihan, CEO brian.t.moynihan@bankofamerica.com http://www.bankofamerica.com   16 Apr 2010
Capital One Richard Fairbank, CEO rich.fairbank@capitalone.com http://www.capitalone.com   19 May 2010
Citibank Vikram Pandit, CEO Vikram.Pandit@citi.com http://www.citi.com   20 May 2010
Citizens Financial Group / Citizens Bank / RBS Americas Ellen Alemany, CEO ellen.alemany@rbs.com   Part of RBS Group 25 Mar 2010
Fannie Mae Mike Williams, CEO michael_williams@fanniemae.com http://www.fanniemae.com   3 May 2010
Freddie Mac Charles "Ed" Haldeman, CEO ed.haldeman@freddiemac.com http://www.freddiemac.com   3 May 2010
Goldman Sachs Lloyd Blankfein, CEO lloyd.blankfein@gs.com http://www.gs.com   3 May 2010
JP Morgan Chase & Co. Jamie Dimon, CEO jamie.dimon@chase.com http://www.jpmorganchase.com   3 May 2010
Morgan Stanley James Gorman, CEO james.gorman@morganstanley.com http://www.morganstanley.com   3 May 2010
Wells Fargo John Stumpf, CEO
http://www.wellsfargo.com   3 May 2010
Food & Drink          
Coca Cola Company Muhtar Kent, President & CEO mukent@na.ko.com http://www.thecoca-colacompany.com NYSE:KO 3 May 2010
Frito-Lay Company Albert Carey, CEO al.carey@fritolay.com     14 May 2010
Kraft Irene Rosenfeld, CEO irene.rosenfeld@kraft.com      
Internet, Telecoms & Computing          
AT & T Randall Stephenson, CEO randall.stephenson@att.com http://www.att.com
5 Mar 2010
Amazon Jeff Bezos, CEO jeff@amazon.com http://www.amazon.com NASDAQ:AMZN 24 Nov 2009
AOL Tim Armstrong, Chief Executive tim.armstrong@corp.aol.com http://www.aol.com
19 May 2010
Apple Steve Jobs, CEO steve.jobs@apple.com http://www.apple.com NASDAQ:AAPL 24 Nov 2009
Belkin Mark Reynoso, CEO markr@belkin.com http://www.belkin.com
17 Sep 2010
Cisco John Chambers, CEO jchambers@cisco.com http://www.cisco.com
1 May 2010
Dell Michael Dell, CEO michael@dell.com http://www.dell.com
1 May 2010
eBay John Donahoe, President and CEO john.donahoe@ebay.com http://www.ebay.com NASDAQ:EBAY 5 Feb 2009
Facebook Mark Zuckerberg, CEO mark.zuckerberg@facebook.com http://www.facebook.com Privately held 24 Nov 2009
Google Eric Schmidt, CEO eschmidt@google.com http://www.google.com NASDAQ:GOOG 1 Feb 2010
HP (Hewlett Packard) Cathie Lesjak, Acting CEO cathie.lesjak@hp.com http://www.hp.com NYSE:HPQ 1 Sep 2010
Intel Paul Otellini, CEO paul.otellini@intel.com http://www.intel.com
23 Sep 2010
McAfee David Dewalt, CEO david_dewalt@mcafee.com http://www.mcafee.com NYSE:MFE 24 Jan 2010
Microsoft Steve Ballmer, CEO steveb@microsoft.com http://www.microsoft.com
24 May 2010
MySpace Owen van Natta, CEO owen.vannatta@myspace.com http://www.myspace.com Part of News Corp 24 Nov 2009
Network Solutions Champ Mitchell, CEO Cmitchell@networksolutions.com http://www.networksolutions.com Part of Verisign  
Novell Ron Hovsepian, CEO rhovsepian@novell.com http://www.novell.com
1 Feb 2010
Oracle Larry Ellison, CEO larry.ellison@oracle.com http://www.oracle.com
20 May 2010
Palm Jon Rubenstein, CEO jr@palm.com http://www.palm.com
20 Apr 2010
Paypal Scott Thompson, President sthompson@paypal.com http://www.paypal.com Part of eBay 24 Nov 2009
Skype Josh Silverman, CEO josh.silverman@skype.net http://www.skype.com Part owned by eBay 24 Nov 2009
Sprint Nextel Dan Hesse, CEO dan@sprint.com or daniel.r.hesse@sprint.com http://www.sprint.com
10 Mar 2010
Symantec / Norton John Thompson, CEO jwthompson@symantec.com http://www.symantec.com
1 May 2010
Tracfone FJ Pollak, CEO fjpollak@tracfone.com http://www.tracfone.com
5 Mar 2010
Twitter Biz Stone and Evan Williams, Co-Founders biz@twitter.com and evan@twitter.com http://www.twitter.com Privately held 25 Nov 2009
Verisign Mark McLaughlin, CEO mmclaughlin@verisign.com http://www.verisign.com
26 Aug 2010
Verizon Ivan Seidenberg, CEO ivan.g.seidenberg@verizon.com http://www.verizon.com
10 Mar 2010
Vonage Marc Lefar, CEO marc.lefar@vonage.com http://www.vonage.com
22 Apr 2010
Yahoo Carol Bartz, CEO cbartz@yahoo-inc.com http://www.yahoo.com   31 Aug 2010
Youtube Chad Hurley, CEO chad@youtube.com http://www.yahoo.com   20 May 2010
Xerox Ursula Burns, CEO ursula.burns@xerox.com http://www.xerox.com   23 Mar 2010
Bloomberg Michael Bloomberg, CEO Mbloomberg@bloomberg.net http://www.bloomberg.com Privately held 24 November 2009
Fox News Roger Ailes, CEO roger.ailes@foxnews.com http://www.foxnews.com
1 Feb 2010
Airtran Robert Fornaro, CEO robert.fornaro@airtran.com http://www.airtran.com   2 Jun 2010
American Airlines Gerard Arpey, CEO gerard.arpey@aa.com http://www.aa.com   10 Feb 2010
Continental Airlines Larry Kellner, CEO larry.kellner@continental.com http://www.continental.com   10 Feb 2010
Delta Air Lines Richard Anderson, CEO richard.anderson@delta.com http://www.delta.com   10 Feb 2010
Enterprise Holdings (Alamo, Enterprise, National, WeCar) Andrew Taylor, CEO andrew.taylor@ehi.com http://www.enterpriseholdings.com   14 Sep 2010
Hertz Mark Frissora, CEO mark.frissora@hertz.com http://www.hertz.com   20 May 2010
InterContinental Hotels Group (InterContinental, Crowne Plaza, Hotel Indigo, Holiday Inn, Staybridge, Candlewood) Andrew Cosslett, CEO andrew.cosslett@ichotelsgroup.com http://www.ichotelsgroup.com   21 Mar 2010
Orbitz / Ebookers Barney Harford, CEO barney.harford@orbitz.com http://www.orbitz.com   20 Apr 2010
Princess Cruises Alan Buckelew, CEO abuckelew@princesscruises.com http://www.princesscruises.com Part of Carnival Group 21 Aug 2010
United Airlines Glenn Tilton, CEO glenn.tilton@united.com http://www.united.com   10 Feb 2010
US Airways Douglas Parker, CEO douglas.parker@usairways.com http://www.usairways.com   10 Feb 2010

US Government

Role Department CEO E-mail Address Website

CIA Michael Hayden michavh@ucia.gov http://www.cia.gov

EU Bodies

Organisation CEO E-mail Address Website Verified
European Central Bank (ECB) Jean-Claude Trichet, President jean-claude.trichet@ecb.int
29 Mar 2010
European Commission Jose-Manuel Barroso, President jose-manuel.barroso@ec.europa.eu
8 Jan 2010
European Food Safety Authority (EFSA) Catherine Geslain-Lanéelle, Executive Director Catherine.Geslain-Laneelle@efsa.europa.eu http://www.efsa.eu.int 5 Feb 2009

World Leaders

Country Leader E-mail Address Website
Australia Kevin Rudd None http://www.pm.gov.au
United Kingdom Gordon Brown None http://www.number10.gov.uk
United States George Bush president@whitehouse.gov http://www.whitehouse.gov

World Bodies

Organisation CEO E-mail Address Website Verified
Commonwealth Games Mike Hooper, Chief Executive m.hooper@thecgf.com
14 May 2010
International Monetary Fund (IMF) Dominique Strauss-Kahn, Managing Director dstrausskahn@imf.org
29 Mar 2010
International Olympic Committee Jacques Rogge, President jacques.rogge@olympic.org
14 May 2010
United Nations Ban Ki-Moon, Secretary-General ki-moon@un.org
29 Mar 2010
World Bank Robert Zoellick, President

29 Mar 2010
World Health Organisation (WHO) Dr Margaret Chan, Director General chanm@who.int
29 Mar 2010
World Trade Organisation (WTO) Pascal Lamy, Director General pascal.lamy@wto.org
20 May 2010
UK Government Ministers e-mail addresses
Department (Acroynm) Role Minister E-mail Address Website Verified
Prime Minister
David Cameron MP camerond@parliament.uk http://www.number10.gov.uk 19 May 2010
Deputy Prime Minister
Nick Clegg MP cleggn@parliament.uk
19 May 2010
Business, Innovation & Skills (BIS) Secretary of State Vince Cable MP cablev@parliament.uk http://www.bis.gov.uk 19 May 2010
Business, Innovation & Skills (BIS) Minister for Universities & Science David Willetts MP willettsd@parliament.uk http://www.bis.gov.uk 19 May 2010
Business, Innovation & Skills (BIS) Minister Mark Prisk MP priskm@parliament.uk http://www.bis.gov.uk 19 May 2010
Business, Innovation & Skills (BIS) Minister John Hayes MP hayesj@parliament.uk http://www.bis.gov.uk 19 May 2010
Business, Innovation & Skills (BIS) Under-Secretary Edward Davey MP daveye@parliament.uk http://www.bis.gov.uk 19 May 2010
Business, Innovation & Skills (BIS) Under-Secretary Judith Wilcox (Baroness, unelected) wilcoxj@parliament.uk http://www.bis.gov.uk 19 May 2010
Communities and Local Government Secretary of State Eric Pickles MP picklese@parliament.uk http://www.communities.gov.uk 19 May 2010
Communities and Local Government Minister Grant Shapps MP shappsg@parliament.uk http://www.communities.gov.uk 19 May 2010
Communities and Local Government Minister Greg Clark MP gregclarkmp@parliament.uk http://www.communities.gov.uk 19 May 2010
Communities and Local Government Under-Secretary Bob Neill MP neillb@parliament.uk http://www.communities.gov.uk 19 May 2010
Communities and Local Government Under-Secretary Andrew Stunell MP stunella@parliament.uk http://www.communities.gov.uk 19 May 2010
Communities and Local Government Under-Secretary Joan Hanham (Baroness, unelected) hanhamj@parliament.uk http://www.communities.gov.uk 19 May 2010
Culture, Olympics, Media & Sport Secretary of State Jeremy Hunt MP huntj@parliament.uk http://www.culture.gov.uk 19 May 2010
Culture, Olympics, Media & Sport Minister for Tourism John Penrose MP penrosej@parliament.uk http://www.culture.gov.uk 19 May 2010
Culture, Olympics, Media & Sport Minster for Sport and the Olympics Hugh Robertson MP robertsonh@parliament.uk http://www.culture.gov.uk 19 May 2010
Culture, Olympics, Media & Sport Minister for Culture Ed Vaizey MP vaizeye@parliament.uk http://www.culture.gov.uk 19 May 2010
Defence (MOD) Secretary of State Liam Fox MP foxl@parliament.uk http://www.mod.uk 19 May 2010
Defence (MOD) Minister for the Armed Forces Nick Harvey MP harveyn@parliament.uk http://www.mod.uk 19 May 2010
Defence (MOD) Minister for Strategic Defence Acquisition Reform

http://www.mod.uk 19 May 2010
Defence (MOD) Minister for Defence Equipment and Support

http://www.mod.uk 19 May 2010
Defence (MOD) Minister for International Defence and Security

http://www.mod.uk 19 May 2010
Defence (MOD) Under-Secretary for Defence and Minister for Veterans

http://www.mod.uk 19 May 2010
Education Secretary of State Michael Gove MP govem@parliament.uk http://www.education.gov.uk 19 May 2010
Education Minister for Schools Nick Gibb MP gibbn@parliament.uk http://www.education.gov.uk 19 May 2010
Education Minister for Children & Families Sarah Teather MP teathers@parliament.uk http://www.education.gov.uk 19 May 2010
Education Under-Secretary for Children & Families Tim Loughton MP loughtont@parliament.uk http://www.education.gov.uk 19 May 2010
Energy & Climate Change (DECC) Secretary of State Chris Huhne MP huhnec@parliament.uk http://www.decc.gov.uk 19 May 2010
Energy & Climate Change (DECC) Minister Charles Hendry MP hendryc@parliament.uk http://www.decc.gov.uk 19 May 2010
Energy & Climate Change (DECC) Minister Gregory Barker MP barkerg@parliament.uk http://www.decc.gov.uk 19 May 2010
Energy & Climate Change (DECC) Under-Secretary Jonathan Marland (Lord Marland, unelected) marland@parliament.uk http://www.decc.gov.uk 19 May 2010
Environment Food and Rural Affairs (DEFRA) Secretary of State Caroline Spelman MP spelmanc@parliament.uk http://www.defra.gov.uk 19 May 2010
Environment Food and Rural Affairs (DEFRA) Minister for Agriculture & Food Jim Paice MP paicejet@parliament.uk http://www.defra.gov.uk 19 May 2010
Environment Food and Rural Affairs (DEFRA) Under-Secretary for Natural Environment and Fisheries Richard Benyon MP benyonr@parliament.uk http://www.defra.gov.uk 19 May 2010
Environment Food and Rural Affairs (DEFRA) Under-Secretary Oliver Eden (Lord Henley, unelected) henleyo@parliament.uk http://www.defra.gov.uk 19 May 2010
Foreign & Commonwealth Affairs (FCO) Secretary of State William Hague MP haguew@parliament.uk http://www.fco.gov.uk 19 May 2010
Foreign & Commonwealth Affairs (FCO) Minister David Lidington MP davidlidingtonmp@parliament.uk http://www.fco.gov.uk 19 May 2010
Foreign & Commonwealth Affairs (FCO) Minister Jeremy Browne MP brownej@parliament.uk http://www.fco.gov.uk 19 May 2010
Foreign & Commonwealth Affairs (FCO) Under-Secretary Alistair Burt MP burta@parliament.uk http://www.fco.gov.uk 19 May 2010
Foreign & Commonwealth Affairs (FCO) Under-Secretary Henry Bellingham MP bellinghamh@parliament.uk http://www.fco.gov.uk 19 May 2010
Foreign & Commonwealth Affairs (FCO) Minister David Howell (Baron Howell, unelected) howelld@parliament.uk http://www.fco.gov.uk 19 May 2010
Health (DH) Secretary of State Andrew Lansley MP lansleya@parliament.uk http://www.dh.gov.uk 19 May 2010
Health (DH) Minister of State Simon Burns MP burnss@parliament.uk http://www.dh.gov.uk 19 May 2010
Health (DH) Minister of State Paul Burstow MP burstowp@parliament.uk http://www.dh.gov.uk 19 May 2010
Health (DH) Under-Secretary Anne Milton MP miltona@parliament.uk http://www.dh.gov.uk 19 May 2010
Health (DH) Under-Secretary Frederick Curzon (Earl Howe, unelected) howef@parliament.uk http://www.dh.gov.uk 19 May 2010
Home Office Secretary of State Theresa May mayt@parliament.uk http://www.homeoffice.gov.uk 19 May 2010
Home Office Minister for Security Pauline Neville-Jones (Baroness, unelected)
http://www.homeoffice.gov.uk 19 May 2010
Home Office Minister for Immigration Damian Green greend@parliament.uk http://www.homeoffice.gov.uk 19 May 2010
Home Office Minister for Policing & Criminal Justice Nick Herbert herbertn@parliament.uk http://www.homeoffice.gov.uk 19 May 2010
Home Office Under-Secretary for Equality Lynne Featherstone featherstonel@parliament.uk http://www.homeoffice.gov.uk 19 May 2010
Home Office Under-Secretary James Brokenshire brokenshirej@parliament.uk http://www.homeoffice.gov.uk 19 May 2010
International Development (DFID) Secretary of State Andrew Mitchell MP andrewmitchellmp@parliament.uk http://www.dfid.gov.uk 19 May 2010
International Development (DFID) Minister Alan Duncan MP duncana@parliament.uk http://www.dfid.gov.uk 19 May 2010
International Development (DFID) Under-Secretary Stephen O'Brien MP obriens@parliament.uk http://www.dfid.gov.uk 19 May 2010
Justice Secretary of State Kenneth Clarke MP clarkek@parliament.uk http://www.justice.gov.uk 19 May 2010
Justice Minister Tom McNally (Lord McNally, unelected) mcnallyt@parliament.uk http://www.justice.gov.uk 19 May 2010
Justice Under-Secretary Crispin Blunt MP crispinbluntmp@parliament.uk http://www.justice.gov.uk 19 May 2010
Justice Under-Secretary Jonathan Djanogly MP djanoglyj@parliament.uk http://www.justice.gov.uk 19 May 2010
Justice Minister Nick Herbert MP herbertn@parliament.uk http://www.justice.gov.uk 19 May 2010
Northern Ireland Secretary of State Owen Paterson MP patersono@parliament.uk http://www.nio.gov.uk 19 May 2010
Scotland Secretary of State Danny Alexander MP alexanderdg@parliament.uk
19 May 2010
Transport (DfT) Secretary of State Philip Hammond MP hammondp@parliament.uk http://www.dft.gov.uk 19 May 2010
Transport (DfT) Minister Theresa Villiers MP villierst@parliament.uk http://www.dft.gov.uk 19 May 2010
Transport (DfT) Minister Norman Baker MP bakern@parliament.uk http://www.dft.gov.uk 19 May 2010
Transport (DfT) Minister Mike Penning MP penningm@parliament.uk http://www.dft.gov.uk 19 May 2010
Treasury Chancellor of the Exchequer George Osborne MP osborneg@parliament.uk http://www.hm-treasury.gov.uk 19 May 2010
Treasury Chief Secretary to the Treasury

http://www.hm-treasury.gov.uk 29 May 2010
Treasury Financial Secretary to the Treasury Mark Hoban MP hobanm@parliament.uk http://www.hm-treasury.gov.uk 19 May 2010
Treasury Exchequer Secretary to the Treasury David Gauke MP gauked@parliament.uk http://www.hm-treasury.gov.uk 19 May 2010
Treasury Economic Secretary to the Treasury Justine Greening MP greeningj@parliament.uk http://www.hm-treasury.gov.uk 19 May 2010
Treasury Commercial Secretary to the Treasury James Sassoon (unelected)
http://www.hm-treasury.gov.uk 19 May 2010
Wales Secretary of State Cheryl Gillan MP gillanc@parliament.uk
19 May 2010
Work & Pensions (DWP) Secretary of State Iain Duncan Smith MP alambridesl@parliament.uk http://www.dwp.gov.uk 19 May 2010
Work & Pensions (DWP) Minister Chris Grayling MP graylingc@parliament.uk http://www.dwp.gov.uk 19 May 2010
Work & Pensions (DWP) Minister Steve Webb MP webbs@parliament.uk http://www.dwp.gov.uk 19 May 2010
Work & Pensions (DWP) Under-Secretary Maria Miller MP millerm@parliament.uk http://www.dwp.gov.uk 19 May 2010
Work & Pensions (DWP) Minister for Welfare Reform David Freud (Lord Freud, unelected) freudd@parliament.uk http://www.dwp.gov.uk 19 May 2010
Without Portfolio
Sayeeda Warsi (Baroness, unelected) sayeeda.warsi@conservatives.com
19 May 2010

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