Monday, 15 October 2018

Universal Wealth Preservation Trust Fraud

A firm called Universal Wealth Management that promised to protect from Inheritance Tax has collapsed risking customers losing their life savings and potentially houses. People had transferred their assets into trusts controlled by Universal Wealth preservation which means they no longer own them. As a result they will avoid IHT but also have no ownership of the assets and rely on the honesty of the the Universal Wealth team to get their homes or savings.

Many people were warning about this company as far back as 2014 on the Money Saving Expert forums but were being threatened with legal action to remove their comments. In hindsight it appears that these concerns were valid and should have been heeded.

Even on my blog I'd warned about Universal Wealth Preservation Trust some months ago

Monday, 8 October 2018

Is Park First Airport Parking an Investment Scam? Complaints about Airport Parking Investment Bonds

As per the Store First storage pods there are now complaints coming out about Park First airport parking investments where they sell you a parking space near an airport with a guarantee that you will be paid 8% or so income for a number of years.

Exactly the same model was used for Store First where a lot of people got their fingers burnt when the company stopped trading and the storage pods were shown to be worthless. People are now complaining that they are unable to get their money back from Park First and have been waiting many months.

It has also been reported on the MSE forum that Park First has no significant assets and that the company accounts show "it held no tangible assets (its only assets were £10k worth of "patents and licences" and £515k of debtors, mostly trade debtors). The land is presumably owned by other Group First companies."

Park First are not the only company offering similar airport parking investment, another one called Aston Darby is selling the same sort of thing.

Is Park First Airport Parking an Investment Scam? Complaints about Airport Parking Investment Bonds
Is Park First Airport Parking an Investment Scam? Complaints about Airport Parking Investment Bonds

If you are considering investing your pension lump sum in this sort of investment scheme then be very wary as it could mean you lose ALL your money. It certainly isn't a zero risk savings product.

Monday, 17 September 2018

Pro Direct Sport Paypal Payment £3.95 - Parkrun Milestone T-Shirt

I've just had notification that Pro-Direct Sport have pre-authorised a Paypal payment of £3.95 from my Paypal account. I couldn't recall making any recent purchases for that amount of money or to that company so was on the verge of contacting them to find out what it was. The Paypal info only shows this with no order info:
 You authorized a payment of £3.95 GBP to Pro-Direct Sport Limited (

You authorized a payment of £3.95 GBP to Pro-Direct Sport Limited (
On looking at their website it shows they are a sportswear company and although I'm a keen runner I've not ordered anything knowingly from them. From the contact information on their website it appears that a lot of people are contacting them currently so I suspected that I wasn't the only one with this query.

Before getting in touch I thought I'd better check my emails for the email address to see if I'd had any other contact from them and bingo! There was an email over 4 months ago from that email address with a payment amount of £3.95 that relates to parkrun milestone t-shirts. It seems that the payment is authorised but not taken as the t-shirts were out of stock so I'm hoping that this now means they are available again and I should finally receive my 100 parkrun milestone.

It would probably help both parkrun and Pro-Direct sports if they put some details on their contact page so that anyone querying the payment would know without needing to get in touch.

I'm now waiting with anticipation for my t-shirt to arrive!

Monday, 3 September 2018

Boris Johnson Advocates Second Referendum

The recent voices being added to the Peoples' Vote campaign to have a referendum on the final Brexit deal might be dismissed by many in Government but it was actually something that Boris Johnson was in favour of before the referendum of 2016 when he first announced his intention to campaign in favour of Leave.

In his words "The way to get better deal is to vote Leave"

It's surprising how much changes in the course of 2 years and that many things discussed back in 2016 have now been forgotten. The prospect of leaving the EU with no deal wasn't even mentioned as a possibility and when suggested it was dismissed as Project Fear. Now it's being touted as both better than a bad deal and possibly as likely as 60:40

These are a few links to 2016 articles that show quite how far the tone and substance of the debate has changed since 2016. It also highlights how the notion of the "will of the people" is quite a ridiculous concept when the views two years ago at the time of the vote were so different to the types of suggestion being touted as policy now.

So if a second referendum was what Boris Johnson thought sensible back in 2016 it should be even more important now especially when it's also proven that Vote Leave cheated their expenses and it's shown that the campaign was built upon lies such as the poster above.

Tuesday, 7 August 2018

Is Best Bonds Crossrail Genuine or a Scam Investment?

We've seen adverts from Best Bond claiming you can invest in Crossrail through a 9.25% Crossrail Bond. Crossrail is a government backed infrastructure project building a new train line across London.

Crossrail bond scam or genuine
Crossrail bond scam or genuine?
This advert is rather misleading as when you click on the ad itself it says it's property related to Crossrail - quite a different proposition to investing in the government backed Crossrail project! With this Crossrail bond you have the risk of losing 100% of your money. It is not backed by the government and is an unregulated investment.

If you think you are investing in the Crossrail project then you are being misled and potentially ripped off.

Crossrail is here - this is nothing to do with -the bond advertised

Monday, 23 July 2018

No Deal Brexit Civil Disorder - Amazon UK Predictions

Despite dismissal as usual by Brexiteers, the suggestion by the Head of Amazon UK that civil unrest is possible within 2 weeks sounds to me like a fairly likely scenario if interruptions to basic supplies take place. This is entirely possible if we have no agreement to manage our relationship with the EU to replace current legal frameworks. You only need to look back at the Summer riots of 2010, fuel protests in 2001, Black Friday punch ups or the panic buying that happens if there is a forecast of snow disruption to see the mentality that can very quickly develop if people don’t get what they expect.

No Deal Brexit Civil Disorder - Amazon UK Predictions
No Deal Brexit Civil Disorder - Amazon UK Predictions

Pictures as above of Black Friday bargain hunters getting into fights over a TV will pale into insignificance if basic food supplies run out. You can understand why the government would need to invoke a state of emergency to cope with the situation.

Even most recently with the Build a Bear discount fiasco the police were called to outbreaks of disorder with disputes over cut price toys. Just imagine that replicated in shops and businesses across the country when people are unable to fill their car or are fighting for limited supplies of food because lorries are stuck or their drivers are no longer able to drive in the UK legally.

No deal is being suggested as an option but it really isn't viable - there has to be some form of deal. If not then you'd have millions of people unable to work in the UK, unable to drive in EU as well as massive delays at the UK borders with trucks being stopped for customs checks. There are so many areas where integration has taken place over the last 40 years that unpicking the whole process isn't something that can be done overnight.

Monday, 16 July 2018

Could an Ancient Advanced civilization have existed - Is there evidence?

Until recently the general consensus was that civilization only occurred around 5000BC but more and more evidence seems to be coming out that humans were more advanced longer ago than was ever previously believed. It's usually assumed that human progress is linear but even in the recent past this hasn't been the case when you had great civilizations like the Roman or Greek empires that were followed by hundreds or thousands of years with development going backwards and disappearance of technology previously used.

There are various discoveries that I think could demonstrate that ancient advanced civilizations could have existed. As a scientist I know that proof requires evidence but also over time much material that would give certainty will have decayed or been destroyed so much is likely to be from secondary sources or by observation of changes. Firstly Gobekli Tepe has been shown to be around 12,000 years old and clearly needed a lot of knowledge and organisation to be able to construct the stone circles. Until the late 1990s this was unknown and would have been dismissed as impossible in the timeframe now accepted.

We also have the discovery of Denisovans purely by DNA who were unknown 10 years ago. If one group of human ancestors can remain invisible to us until such recent times then it seems to me that it's entirely possible that other ancestors are also unknown. The analysis of DNA is also throwing up other distant ancestors which could also give more details of our history.
With discoveries such as Archaeologists find earliest evidence of bread and also finding earlier evidence of domestication of wheat for farming than previously thought it's wide open that there is still much that we don't know about.

Even now we have a wide mix of civilization at different stages of development from what might be considered advanced technology with computers and space flight alongside hunter gatherers living in remote areas around the world such as Brazilian rainforests, in Africa or Aborigines. Very similar patterns may have existed historically and finding one group that were stone age shouldn't preclude other civilizations existing at different stages of development.
Could these undersea islands  be the mystical location of Atlantis or other civilisations erased by sea level rises?
Could these undersea islands  be the mystical location of Atlantis or other civilisations erased by sea level rises?

The rise in sea levels over the last 20,000 years and in last 10,000 in particular are likely to have erased much evidence of coastal civilization that may have existed. After seeing the above maps on a recent flight it was eye opening how much low lying land is now below sea level and could have been inhabited historically. Areas such as Doggerland in the North sea between UK and Europe are known to have been inhabited and often generate archaeological finds when the sea bed is dredged. Similar situations are likely elsewhere and sea level rises would certainly explain the widespread flood myths across many civilizations and religions.