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Henry Woods

EXCELLENT NEWS FOR INVESTORS IN ALICANTE & MALLORCA
 
Henry Woods Investment Management has now closed down its offices in both Alicante and Mallorca as the investing public expressed its opinion of Henry Woods by staying away.
January 2007
 
HAVE YOU BEEN A VICTIM OF MISSELLING ?

 
THE COSTA DEL SOL ACTION GROUP  WAS FORMED Four YEARS AGO TO HELP LOCAL INVESTORS, SOME OF WHOM HAVE LOST THEIR LIFE SAVINGS AS A DIRECT RESULT OF INAPPROPRIATE ADVICE FROM HENRY WOODS INVESTMENT BROKERS.
 
  IN THE WORST OF CASES SOME HAVE RECEIVED MISLEADING ADVICE, DESIGNED TO PERSUADE INVESTORS TO PART WITH THEIR MONEY ON THE BASIS OF FALSE OR UNREALISTIC  PROMISES TO ENABLE THE ADVISORS TO EARN THE HIGHEST COMMISSION.
 
 

HENRY WOODS INVESTMENT BROKERS HAS BEEN THE MOST COMMON CAUSE OF COMPLAINTS RECEIVED FROM MEMBERS OF THE PUBLIC WHO HAVE APPROACHED THE ACTION GROUP.

 MANY INVESTORS TRIED TO RESOLVE MATTERS WITH  DONALD NOTT, THE OWNER OF HENRY WOOD' S  INVESTMENT BROKERS BUT  WERE REBUFFED AND TOLD TO FIND ANOTHER ADVISOR.
 THERE ARE SEVERAL FINANCE ADVISERS ON THE COAST CURRENTLY TARGETING THE EXPATRIATE COMMUNITY - CHECK YOURS OUT WITH GREATCARE.

18th June 2004

The Direcion De Seguros ( Spanish Insurance Regulators) have annouonced on their website that   Henry Woods is not authorised in Spain to deal with Insurance Products.

See web site.

www.dgsfp.mineco.es

Further to recent seminars of Henry Woods Investment Management (HWIM) being cancelled as a result of the Costa Del Sol Action Group's protest, the Group intends that any future plans of HWIM to hold financial seminars anywhere along the costas will be met by strong opposition and legal picketing of the proposed venues. Until this company deals with the many complaints of mis-selling, and registers with the Spanish financial regulators (CNMV), the Group will continue to seek to protect innocent prospective clients attracted by misleading advertisements displayed in the English media.

 

Translation :
CNMV
To: Mr David Klein

Madrid, 21st June 2004
Dear Sir
In response to your correspondence dated 19th January and 2nd March 2004 and registration numbers 2004002600 and 2004022270 respectively, we can confirm that ‘Henry Woods Investment Management’ continues to provide investment services in Spain, without the legal authorisation in the terms set out in the Securities Markets Legislation (Ley del Mercado de Valores) and Royal Decree 867/2001, of 20th July, on the Legal Regulation of Investment Businesses1.
At this point, it is appropriate to point out that on 9th October 2003, the CNMV issued a warning to the public, with a copy translated into English, warning the public that Henry Woods Associates, SL (the CIF number and Registered Office of this company are the same as those used by Henry Woods Investment Management in their documentation, which in principle indicates that they are the same company) is not authorised to carry out investment services in Spain. 
Finally, we would like to thank you for the information you sent us and we are letting you know that it will be dealt with in the appropriate manner as part of the duties legally conferred to the CNMV. 
Yours faithfully
 
Elena Brito Alonso
Director of Investments


 
In reply to your email dated 10th May in which you request confirmation on whether Henry Woods Associates SL is authorised to carry out the activity of insurance broker in Spain, this Office informs you that, having examined the Special Administrative Register of Insurance Brokers, and their duties and responsibilities, as referred in Article 15.4 of Law 9/1992, of 30th April, on Private Insurance Agents, ‘Henry Woods Associates SL’ does not appear in the Register, and therefore is not authorised to carry out the activity of insurance broker in Spain.

Madrid, 12th May 2004
Sub Inspector of Unit
 
See below a few complaints we have over 250!
DANGER……WEALTH WARNING
"IF YOU TRULY VALUE YOUR INVESTMENTS"
DONOT
GIVE YOUR MONEY TO NOTT
Donald Nott is the Principal of the Unregulated Investment Brokers
Henry Woods Investment Management
This warning is from the Costa del Sol Action Group 
(also open to Costa Blanca expats who have lost money because of bad investmentadvice).
We have over 250 Members many of whom have lost their life savings as result of trusting Henry Woods.   Henry Woods are under investigation by the Spanish High Court and are expected to be found guilty of trading illegally and responsible for the loss of millions of pounds of honest expatriates money.
If you want further information on the complaints made against Henry Woods take a look at  www.costa-action.co.uk
The companies he represents are unregulated in Spain.   The products are not authorised for distribution in Spain.   You will not get any satisfaction from them if you lose money as they will refer you back to "your agent"….. Henry Woods.  If you are yet another victim of Henry Woods mis-selling you will not be covered by any form of Compensation Scheme nor do they carry Professional Indemnity insurance to cover you when they are guilty of negligence
We suggest you check this out with the CNMV
( Spanish Regulators)

 

26th March HENRY WOODS LAWYERS WRITE

Dear Mr. Klein,
 
We act for Henry Woods Investment Management and Donald Nott. The website you have published at Costa del Sol Action Group repeats defamatory remarks made about our clients.
 
This website also infringes our clients intellectual property rights by using the logo and name of our clients firm without consent.
 
We ask that you withdraw this website immediately.
 
Yours faithfully,
 
De Cotta McKenna y Santafe

26th March
Dear Sirs
In reply to your communication we have removed the Logo and photograph  pending legal advice .
We shall discuss other matters with the  Costa del Sol Action Group Committee and take legal advice, until then the  remaining comments will  be published.    They are true and can be substantiated.
Once again ,   I emphasize this is not an issue of  Nott  v Klein, this is an issue which involves several hundred families that have claims against your client for misselling.  Nott/ Henry Woods have refused to deal with the issues.
This action is not aimed solely at your Client .   It is aimed at all 'Financial Advisors' who missell,  have no qualifications, no  statutory compliance or indemnity and of course those that are not registered with the CNMV or  DGS. 
Your client has made public statements that he is not required to register with either of the Spanish regulatory authorities and that he has received written confirmation of this from the Regulators.   If we can see written evidence of this then we would be pleased to make this fact clear too.    

David Klein
 
WE  HAVE A BROCHURE PUT OUT BY SCOTTISH WIDOWS AND HENRY WOODS INVESTMENT MANAGEMENT.
THIS CLEARLY STATES
Henry Woods are regulated with the Direcion  General de Seguros to promote investment products in Spain.

IT ALSO STATES:-

OFFERS GUARANTEED BENEFITS WHERE THE VALUE OF YOUR INVESTMENTCAN ONLY GO UP.  YET OUR MEMBERS LOST MONEY.

 
Communique dated January 2004 From Henry Woods States:
 
´We are delighted to announce that we have received written confirmation from both of Spains financial regulatory bodies - the Comision National del Mercado de Valores (CNMV) and the Direccion General de Seguros (DGS) that our business activities in Spain are fully compliant under Spanish law and that there never has been any case for legal or disciplinaryproceedings to be taken against us.´
 
David Bamford from Albox, Almeria
 Faxed HENRY WOODS INVESTMENT MANAGEMENT
ON THE 16th March 2004
 
Since you clearly are endeavouring to convince the general public that the Regulators have vindicated Henry Woods, please provide a copy pf the evidence from these authorities, showing you are not deceiving investors of your authenticity.
 
NO REPLY
 
We have sent many faxes and emails to Henry Woods Investment Management requesting sight of the communications from the regulators. All our requests have been ignored.
 
Our Advisors inform us
The company has a capital of 3005.06 Euros . 
 They have not presented annual accounts. For this reason the company does not exist in the Spanish Registry.
They have presented a criminal action against different companies and other persons who are not Spanish and are not Residents. The Criminal action was accepted by the Magistrates Court Number 6 of the National Criminal Court in Madrid, and they have commenced committal proceedings number 363/02.
The Court accepted the criminal action, investigators have asked for the ratification of all members who have been miss sold by Henry Woods Investment Management.
The Court has asked the Spanish Regulators for information about the activities of the defendant company and owners, its nature and all the information they can provide in this regard. The court has instructed Interpol to examine certain proceedings.
 

We have over 200 families that feel they have been misold investments by Henry Woods, many are elderly and many have suffered hardship.

In spite of  alledged 'Fact Finds' which means that a Financial Advisor should tailor make something to suit ones needs, many of our members have been sold into the same investments with the same Product Providers, ALL HAVE LOST MONEY, been caused stress and some have lost their homes and been forced to return to the UK. When confronted by clients who has been miss sold, they are advised to find another Financial Advisor.

 

HENRY WOODS INVESTMENT MANAGEMENT, HAS NO LICENCE, NO COMPLIANCE AND NO INDEMNITY.

OUR EXTENSIVE RESEARCH SHOWS DONALD NOTT HOLDS HAS NO QUALIFICATIONS ACKNOWLEDGED BY THE FINANCIAL INDUSTRY.

Henry Woods Investment claim in their adverts that they conduct business under the legal and regulatory framework of Spain, by giving advice only.The Company advertise, recommend, and arrange investments. They deal with all paper work and arrange for clients the money transfers. All paperwork states they are Agents for the Product Provider. According to the Regulators a licence is required for this, they are therefore named by the Regulators and this is confirmed by the Spanish Regulator on their web site.

Clickhere to view the link

 

HENRY WOODS INVESTMENT MANAGEMENT SITE

http://www.henrywoods.com/index.htm

This was my first communication to Donald Nott on 7/9/01. He ignored the communication and as a result TheCosta Del Sol Action Group against Unlicenced Advisors developed.


Mr Nott

You will recall that before I went public I gave you an opportunity through yourlawyers to have a meeting with a view to paying me my losses and compensation.This you refused. In view of this I have made and will continue to make publicall I can that is true and honest about you and your company. My aim is to removepeople like you from mishandling people and ruining their lives.

You will recall at our first meeting my wife and I emphasized, explicitly thatwe did not want any risks especially at our ages. In fact you even wrote  afterour first meeting confirming you would not invest in anything without unnecessaryrisk see your letter attached. You seriously misled us and have caused us untoldstress and hardship. I did not need you to ruin our lives and indeed pay youfor doing this! ( Your up front commission)

I am now preparing proceedings against you for mis selling, causing hardshipand being unlawful. You should  be aware that if I decide to go forwardto the courts that my witness all ex clients of yours would also indicate theytoo have been mis sold and caused hardship. Notwithstanding this I have beenassured by the CNMV that if I call them to court they will gladly confirm thatyou act unlawfully.

The media has promised maximum publicity both in the UK and here in Spain.

Meanwhile i have informed all your product producers that if they attend anyseminars held by you in Spain they can expect to be met by public protests whichwill be with the authority of the police and have maximum publicity in the UKand Spanish Media including Sur in English.

At this stage I am prepared to meet you with a view to you repaying my losses,which can be paid over a period of agreed time. I would of course be preparedto enter into confidentiality agreement or whatever is required to bring thismatter to a final conclusion.

If I do not hear from you by September 15th, I shall assume you have no interestin my proposals.


David Klein

Grosvenor Limited,

Townsend,

Galmpton,

Kingsbridge,

Devon TQ7 3EU

 

Tel/Fax: 01548 561813

 

3rd March2003                

Mr. D. Nott,

Henry Woods Investment Management,

Calle Azorin 4,

29600 Marbella,

Malaga,

Spain.

Dear Donald,

I am not surprised that your letter of 31st January 2003 has the defensively aggressive flavour which was characteristic of our four and an half years business relationship.

The defensiveness I can understand as you must at least recognise, even if not over concerned, that the catastrophic failure which you made of the Company’s investment portfolios is having an harrowing effect on the whole of my family who are beneficiaries under the Company’s Pension arrangements.

As for myself, I find at the age of 73 a very large chunk of my life’s savings has been decimated in a matter of four years.  All the plans made for my retirement have been dashed as have those of setting-up my sons  in their careers.

My earlier letter described why the investments you made were not suitable to meet the agreed investment objectives and I consistently warned you of this and of our deep concern at the way the portfolio was constantly on a downward slide.  You would hear none of this and tried to reassure us that all would be well in the ‘long term’.  The portfolios therefore remained very much unchanged except for minor tinkering here and there but always within the confines of the narrow base of funds with which you seem to do most of your business.

We put our trust in you and in return you did not exercise the duty of care which is inherent in the responsibilities of a reputable Financial/Investment Manager.   Like many of your other clients we gave you the benefit of the doubt only to see the disaster compounded as time went on.

The statement under the heading ‘Termination/Complaint’ in my letter dated 15th January 2003 expresses our position quite clearly.

I find it interesting that one of your own advertisements pointed out that there are 34000 funds in existence;  so why were our investments narrowly placed in only a handful of high risk products with only three product providers none of whom, strangely enough, have legalised  their position by registering their wares for sale in Spain?  Maybe you were not able to deal with other providers in order to spread the risk wider in which case you would have deceived us at the outset into believing you were in a position to implement the Company’s investment objective.

Your tetchy remark about my reading of the responsible financial press is rich.  I realise that it was an irritant to you that I tried, as I always have done, to keep myself abreast of informed opinion outside the little world of the Costas.  In addition to my reading I also had regular updates from Financial Houses in London with whom I had previous business relationships.  They warned me on many occasions that the portfolios you created were too risky and narrow to meet the Company’s stated objectives.  My mistake was not to heed their warnings earlier.  Even now you are still telling me there was a strategy in place, though it is not clear what it was, as the downward slide would have continued to date; also you still believe Emerging Markets are suitable investments for our portfolios and that the portfolios you created would in future out perform a conventional portfolio and so recover our losses.  The minor adjustments you suggested were only cosmetic and would have made no significant improvement.  It is difficult to swallow your optimism in the face of world financial opinion that it may take up to twenty years for markets to recover to their previous levels.

To support my scepticism it may interest you to know that since we parted company on 26th June 2002 when the combined losses on our portfolios stood at US$666400 or 49% (I left you with the valuations) these losses had increased by 18th February 2003 by US$105000 to a total of US$771000 or 57%.

The general decline in the markets do not account for the level of loss we have incurred.  I have had sight of portfolios with similar objectives whose decline has been a fraction of ours over a similar period.

Most of the substantive points raised in my letter were not addressed in any depth in your reply.  Firstly you and your Company’s legal and regulatory status in Spain.  The attachments to your letter are either subjective or out of date.  Can you provide me with more convincing documentation to support your claim of legality.  CNMV wrote back in 2001, repeated it in January 2002 and again in a letter to me on 21st November 2002, that because HWIM is not inscribed in any of their Official Registers it is not legally authorised to carry out in Spain the services of investment management.  Can you explain this conflict and also if infact HWIM has no license, no compliance and no indemnity why you did not declare this state of affairs to us before we entered into a business relationship?

As to legal action, your lawyers letter dated 15th August is behind the times as a local website published a report on 8th August indicating you lost the case.  I have been told too that one of your clients has recently initiated proceedings against you in a Civil Court.

People have been compensated and you will find a list of them on the CNMV website.

In conclusion, my overall impression from my visit to Marbella and from the responses to my enquiries is that there are just too many unanswered questions, inconsistencies and irregularities not to mention illegalities in the way expatriates’ investments have been handled by expatriate Financial Advisors/Managers along the Costas.

Shades of the old days of the Costa del Crime when fat-cats became fatter at the expense of their clients/victims!

In any event I intend to seek further professional advice in an effort to establish facts which have not been elicited from the answers to my requests posed to interested parties.

Yours sincerely,

 Dr.A.J.W.Cameron.

__________________________________________________________________

GERALD CANNON

24, Jardin Tropical (Fase 2)

SABINILLAS 29692

Malaga.

Tel: 952 891080    Mobile:   666 73 6660

E Mail:  gcannon@jet.es

CNMV

Comision Nacional del Mercardo de Valores

Paseo de la Castellana,19

28046 Madrid

20.10.03 

Dear Sir,

COMPLAINT 

We are: -

Gerald and Mary Cannon

Investments Agent

Henry Woods Investment Management

Calle Azorin 4, 29600 Marbella.  Spain.

Office also at Playa Arenal 403730 Javea. Spain

 

BACKGROUND

My wife and I are Spanish residents and are retired here on a small UK Government pension, which is our only income. We read the Sur in English and Entertainer newspapers for news and information and also listen to the English Radio Onda Cero 101.6 fm.

As a result of the advertisements of the company Henry Woods of Marbella claiming he won ‘Best Advisor Award’ offering excellent returns on investments wedecided to make contact with them.

INITIAL CONTACT

In October 1999 we made an appointment with Donald Nott (DN) the owner of Henry Woods Investment Management (HWIM). Prior to the meeting he wanted to know how much we had to invest and where our money was. He took details over the telephone to enable him to give advice.

THE MEETING

About the 7th of October 1999 Donald Nott met my wife and I in the house of our friends, Raymond and June Smith at 41, Ave Del Burgo, Santa Margarita, La Linea de la Concepción Cadiz, who were also interested to make investments.

I explained that I was a UK pensioner nearly 65 years old and my wife 59 years old and that we were looking for a Financial Advisor who could  manage our money in order to give us a monthly income.

Donald Nott, asked us how much we had to invest and I informed him I had around £68,000 pounds sterling which at that time was giving us approximately 7.5% p.a return on our money.

Donald Nott, then produced various clients’ portfolios with the clients name blanked out showing me that he was making 35% plus profit for his clients. I was of course very impressed. I was also assured by Donald Nott that for his fees this included constant monitoring of my investments.

He assured us that we could make a lot more than what we were getting if we invested half the money with a Jersey based company called Scottish Widows and the other half with an Irish based company called Scottish Mutual.

We would not only be able to draw 7.5 % p.a. on a monthly basis but also be making about another 5% p.a. which would accumulate in the account which we could withdraw with our initial investment after a 4 year term.

That sounded good and we made an appointment for him to come to our home to sign the necessary documents and pay the companies concerned with our checks.

PAYMENT

On October 11th 1999, Donald Nott visited our home bringing with him two proposal forms. One for Scottish Widows ( Jersey)  and another for Scottish Mutual (Ireland)

Whilst he was here we completed and signed the application form for Scottish Mutual and gave Donald Nott a check for 34,0000 pounds sterling made payable to Scottish Mutual. He advised us to make the investment in Euros. So Scottish Mutual would be converting the check  into Euros.

Donald Nott mentioned that he was late for another appointment and that we should sign and date the proposal form for Scottish Widows and give him a check for 34,0000 pounds Sterling payable to Scottish Widows and that as soon as he returned to his office he would complete the form according to the details we made on the Scottish Mutual form.

Both proposal forms that we signed were in English (SEE ATTACHED PHOTOCOPIES).

Whilst Donald Nott was at our home he asked if we had any other investments and we informed him that we had stock with a Jersey based company called “Hansard International Ltd.” with a current portfolio value (at that time) of 81,916 pounds sterling .

It was up with 6 different Stocks producing guaranteed interests from 8.75% pa to 10.875% pa during the life of their terms, plus initial investment as stated:

Name of Bond.                             Bond                               Interest p.a.       Bond Expiration

                                               initial Investment.                                                   Date

 

REPUBLIC of ICELAND           9,000 pounds sterling     8.75%     12.05.03         

POWERGEN Plc.                    10,000 pounds sterling      8.75%     26.03.03         

EUROPEAN INVESTMENT    9,000 pounds sterling      9%                      14.05.02         

INTERNATIONAL BANK      10,000 pounds sterling      9.25%      20.07.07         

NORSK HYDRO                           9,000 pounds sterling      9.75%        26.02.03                     

NIPPON TELEGRAPH      9,000 pounds sterling      10.875%              10.05.01         

Donald Nott suggested that we sell all that stock and reinvest the proceeds in companies that he suggested that would produce far higher interests.

(SEE ATTACHED COPIED STATEMENTS DATED 31.12.99)

Again we took his advise.

EVENTS

After the investment I received many news letter from Henry Woods indicating that I should have confidence and not panic since this was losses were normal in a bear market.

I telephoned Mr. Nott to express our concern to be informed that we should not worry on many other occasions leaving messages but he never returned my calls.

The last correspondence I had from Donald Nott was on  19.02.01 when he had written that he no longer wished to act as our investment advisor and that he did not intend to correspond or speak with us further ( SEE ATTACHED LETTER)

I continue to note full-page advertisements still appearing in the local press with long editorials making substantial claims, which I know to be misleading and false, especially on radio, due to the fact that my portfolio is showing substantial losses.

Naturally as my funds were going down I made a lot of contact with Donald Nott expressing my concern and reminding him of the promises he made. Donald Nott was always telling me not to worry and all would be well as the markets would rebound substantially very soon.

SUMMARY

Before we made our investments we informed Donald Nott with firm instructions that we did not want any risk or loss of our capital and he assured us that our initil investments would be safe.

However if we sold our investments at this present time we would be loosing approximately :

27,675 pounds sterling with Hansard Interntional.

12,500 pounds sterling with Scottish Mutual.

13,000 pounds sterling with Scottish Widows.

Therefore according to the investments we made on Donald Nott’s advice we have lost  over 30%

(ATTACHED CURRENT STATEMENT from HANSARD INTERNATIONAL

54,325.17 pounds sterling )

 We am very angry that we have been mis-sold investments and obviously Donald Nott had no duty of care of our portfolio. I reminded Donald Nott that most Financial Brokers have a stop loss of around 10%, he duly informed me that he does not operate this facility. I feel we have been totally abused.

I am now aware of a group of other investor who have been misled in the same way being sold similar poor products which are totally not suitable for the particular investors that required income from their capital.

I have various documents to confirm my complaint and await hearing from you.

This complaint is being sent to you by email and the hard copy by post.

 Yours sincerely

 Gerald Cannon  and Mary Cannon.

This leaflet Henry Woods Investment send out as publicity. This has been presented to the Spanish Regulators.
We challenge the content and have asked Henry Woods Investment's  lawyers on the 26th of March 04 to following:-

Your client has made public statements that he is not required to register with either of the Spanish regulatory authorities and that he has received written confirmation of this from the Regulators.   If we can see written evidence of this then we would be pleased to make this fact clear too.  

Spanish Regulators state not registered check here

Sent: Thursday, June 17, 2004 5:06 PM
Subject: Premier Low Risk etc

Dear Mr Nott,
 
I have recently received a letter from Abacus, Premier Low Risk, which indicates they are not going to pay out for the second quarter. They instead suggest I make use of a 1.25 percent penalty-free capital redemption, if I want to do so. Such a payment would obviously be me just getting some of my capital back and not income.
 
This email is to let you know I have become increasingly concerned by the apparent failure of investments provided by Henry Woods to live up to what I had been led to believe they would provide. This being a relatively secure income of between six and nine percent with no indication, at the time I bought the investments and as I understood them, of capital depreciation.
 
Please see attached.
 
Regards,
 
 
John Blainey
 
Sent: Wednesday, October 06, 2004 1:56 PM
Subject: Fw: Premier Low Risk etc

Dear Mr Horsby,
 
Thank you for your telephone call. As I said on the telephone, I am extremely disturbed by the fact that investments that I was led to believe were fairly secure, are nothing of the sort.
First the Scottish Life gave me back less than twelve thousand pounds out of a capital of about 35 000 pounds, and now it seems that Premier Low Risk will not be paying any further dividends. After discussion with you it seems that I am likely to receive the capital back if I am patient for about two years. Yes, well, thanks. Did I really need to be told I can have my own money back if I am patient, when I came to a financial adviser for income investments, enticed by his advertisements that would appear to have indicated fairly secure return? We are not talking ridiculous high return here, which might have indicated a "rip off" but rather six to nine percent type returns. That was not extravagant, especially in context, a few years ago, and seemed to indicate a fairly secure investment to the moderately financially literate.
As I said on the 'phone, bonds as I understood them were relatively secure investments as loans to either Governments or large companies or corporations, and thus, while having an element of risk, were fairly secure.
However it seems to me that the "bonds" in the case of my investments via Henry Woods are now apparently very unreliable.
 
I am not encouraged to pursue this course of investment and would like to know what Henry Woods can do to enable me to recover my initial investments.
 
Yours sincerely,  John Blainey  (on behalf of MJ Blainey - pensioner)

 

                   WARNING!

 

Henry Woods is not authorised to carry out investment activities in Spain.Check with the Spanish regulators CNMV.

www.cnmv.es/inversores/index

There is no indemnity when things go wrong and you could lose your life savings. Don`t believe what you are told!

 

Many trusted this company and others similar with drastic consequences. Check with the Spanish regulators  (CNMV). This company is on their warning list!

 

They are very clever and will explain away this leaflet and its warning!

 

Check it out with ordinary people who have lost their lifesavings!

 Tel. 950 523702. 

        952 883388.

     952 884262.website www.costa.action.co.uk

 

© COSTA DEL SOL ACTION GROUP
Against Unlicenced Financial Advisers & Product Providers that support them.