FAREPAK CAMPAIGN!! URGENT - Please help

[louise1mcdaid]

Katy Clark MP is trying to put forward an amendment to the Financial Services Bill






Regarding the protection of Prepayment Savers eg Farepak Victims, Vouchers, Supermarket Savings Scheme, Prepayment of Funerals etc. The amendment reads as follows:[/b][/size]


Prepayment schemes

To move the following clause:-


(1) The FPC must carry out and publish a review of the operation of consumer prepayment schemes to consider whether existing protection for consumers is sufficient;


(2) The FPC must make recommendations under subsection (1) within one year of this section coming into force;


(3) Any report produced by the FPC under subsection (1) shall include an analysis of whether consumers of prepayment schemes should be made preferential creditors for the purposes of the distribution of the realised assets of the company operating such schemes in the event of insolvency.”


Can I please ask you to support this by contacting your MP and ask them to sign Katy's amendment.



Thank you very much!


Find your MP Here

findyourmp.parliament.uk/


More about the Farepak injustice to prepaid consumer victims

the3towns-archive.blogspot.co.uk/2012/03/katy-calls-for-info-on-farepak-failure.html[/b]
[/i][/size]



Louise McDaid
Chair
Farepak Victims Committee

Please also can I ask you to support our Govt E-Petition.

epetitions.direct.gov.uk/petitions/18820

Again Thank You!


PS Thanks to Nick for his continuing support of our campaign.

[nickd]

Well done Louise in helping Katy Clark MP secure important debate for Farepak victims!





Speak up and shout out against injustice!!....it works


In Parliament, Louise gets a mention...


Katy Clark (North Ayrshire and Arran, Labour)

"I congratulate my hon. Friend on her work on this issue. She led an Adjournment debate about it shortly before Christmas to commemorate the fifth anniversary of Farepak’s collapse.

I, too, pay tribute to Deborah Harvey, who is the current secretary of the Farepak victims committee and who has done a tremendous amount of work on this issue. The Farepak victims committee is unusual in that it has continued, in an organised way, to bring people together on this issue over a long period. One problem is that the type of people who tend to be affected when such things happen are not organised. The work done by Louise McDaid, Jean McLardy, Deborah Harvey and many others has helped to keep the issue in the spotlight. It is important to look at the situation again today, because it is a disgrace that, five years on, it has not been brought to a conclusion and people still do not know for sure how much money they will get back.

One reason for the huge problems was that the Farepak victims were unsecured creditors. That meant that when the company went bust, the money that they had paid in was not protected, as it is secured creditors who get preference. We need to look at the model whereby people pay money in and effectively save up for goods that they have not received."

Read more here

www.theyworkforyou.com/debates/?id=2012-04-23a.692.2&s=speaker%3A11732#g709.0

In 26 days the Farepak Directors brought misery to 116,400 FAREPAK SAVERS in 2006 are in court -
sign up to the petition here... epetitions.direct.gov.uk/petitions/18820

[louise1mcdaid]

FAREPAK VICTIMS COMMITTEE


PRESS RELEASE: FOR IMMEDIATE RELEASE


On Monday the 21st May the High Court case of 7 European Home Retail and Farepak Directors versus the Government's Insolvency Service begins. The reason these individuals are in the High Court is that an application was made in the public interest on the grounds that “the conduct of each director in relation to the relevant company or companies makes him or her unfit to be a director”. If found guilty the court can disqualify the Directors for up to 15 years.


The Farepak Victims Committee has campaigned for justice for over five years with one of our core aims being that the individuals responsible be brought to account. It could be said that with the approaching court case and as a result of our tireless campaigning that we have won a victory. The individuals responsible for bringing misery to our Christmas 2006 are about to feel the wrath of the Judicial System.


However for us it is bitter sweet. The average loss of a Farepak saver was £400. If any of us had stolen this amount of money the Judical System would have punished us by means of one of the following:-

A 12 month Community Order with hours of unpaid work;

A possible jail sentence;

A demand that the money taken be paid back in full.


Given that £37M was taken from 116,400 Christmas Savers and that WE have to pay the £8.2M Administration/Liquidation Fee, you would think that jail would definitely await with the possibility of the key being thrown away. Not the case apparently. Call yourself a Director, get a helping hand from Government's lack of regulation allowing you to move money from one account to another - worst case scenario - you get banned from being a Director but could become a Company Secretary.

One has to ask where is the Justice?


The Farepak Victims Committee does not see this as justice but as one rule for us and another for them. The rule being that you can rip off people but depending on your status the consequence of the actions taken against you varies greatly.

Our Campaign continues.

Louise McDaid Deborah Harvey
Chair Secretary
FAREPAK VICTIMS COMMITTEE FAREPAK VICTIMS COMMITTEE

Please also can I ask you to support our Govt E-Petition.

epetitions.direct.gov.uk/petitions/18820

Again Thank You!

[louise1mcdaid]

Here is a letter that has gone out from the Farepak Victims Committee.. [/size]


It is aimed at getting supermarkets to to protect their savings clubs.

We oppose self - regulation via the Christmas Prepayment Association.

We want Government legislation to be implemented to protect OUR money.

This is what our Members of Parliament Katy Clark and Jessica Morden are pressing for to be included within the Financial Services Bill. They are also the issues which the Farepak Victims Committee will continue to raise on your behalf.[/color][/size]
[/b][/i]



Dear Sir/Madam,

My name is Debbie Harvey I am the Secretary of Farepak Victims Committee, Mrs Louise McDaid is the Chair and founder of the group.

We are contacting you today requesting that you consider running a story on the lack of regulations surrounding Supermarkets. We have written to the 'Big 6' as they are called. Which consists of Tesco, Asda, Morrisons, Sainsbury's, Iceland, Co-Operative. With a simple request and that was, would you please put in place safe-guards for the consumer to protect there savings which you hold, albeit via stamps, card, vouchers etc. In light of the Farepak fiasco that cost ordinary families more than £37 Million and as this letter is being written, not one person has been held to account. Hard to believe but it is the truth. There are 7 directors facing disqualification orders this month, however even with all the new evidence that shows they were unfit to run water never mind a company handling millions, no-one has been held to account for the £37 Million and nor will they be. Why? Simple there is NO REGULATION in place to protect the consumer. The Supermarkets, Hamper Firms, Voucher Companies, Pre-Payment of ANY KIND, are ALL UN-PROTECTED. Its all very well and good saying "we are a muli-Million £ company, we will not go bust." Funny that's exactly what Northern Rock Bank said and look what happened there.

We have letters from these Supermarket CEO and all of them APART from Iceland have categorically REFUSED. Its a disgrace. Iceland are discussing the idea with the CEO etc and are going to get back to us. As for the rest of the Supermarkets listed, we have had a flat NO THANK YOU ITS TOO EXPENSIVE TO SET UP!! Too expensive? Then STOP TAKING OUR CASH. Its that simple. If for any reason the Supermarket falls into trouble then THE CUSTOMER becomes AN UNSECURED CREDITOR!! Translated that means get to the back of a very long queue. We wrote to them AGAIN this time after we had a conversation with a London Law Firm via Twitter, we were told that it was possible for the Supermarkets to protect the consumers simply by using NED COSIGNATORIES, WHICH SHOULD EXEMPT PRE-PAYMENT ACCOUNTS FROM BANK SECURITY. They still said NO THANK YOU. This is outrageous, why is it always Joe Public that has to pick up the pieces when these 'money-men' take risks with our cash, its not fair and it needs to be high-lighted.

Could you please run a story on this or at least contact us as this needs attention. We surveyed more than 100 people in the wake of the Farepak collapse and a massive:

96% thought the Admin/Liquidators took to long to resolve the collapse

94% thought there is NOT enough protection for consumers since Farepak collapsed

93% think the CPA does NOT provide adequate protection as the CPA is SELF-REGULATING

98% think ALL SAVING SCHEMES should be TIGHTLY REGULATED

So you can see that the problems are there they are still ongoing and something like Farepak can and more worryingly probably will happen again. We have got to make these firms sit up and listen. Tesco even stated they "will protect if the Government change the regulations and say we have to". Good grief, we need help in high-lighting this problem and that is why we are asking you if you will do something to help us.

Kind Regards



Debbie Harvey
Louise McDaid
Secretary/Chairman

[louise1mcdaid]

Please remember to sign our petition
epetitions.direct.gov.uk/petitions/18820
THANK YOU TO ALL THOSE (ESPECIALLY NICK) FOR THEIR CONTINUING SUPPORT.

[nickd]

Keep up the good work Louise, nice to see you making use of the forum. Do let us know how it goes? There are related posts on Mylegal connected with how big business firms are trying to seek resolutions via the civil courts and thus evading conventional criminal prosecution (even where fraud seems evident). Essentially, it enables them to plump for a fine and in some cases insolvency sanctions rather than proper prosecution. It seems government supports this as it wants to 'encourage' business by not putting punitive sanctions in place if there is wrongdoing. Please also let us know how much legal costs amount to in the High Court case as the obvious concern is that if monies are recovered the HMRC will recover much of what they are owed, then the lawyers, leaving victims with whatever may be left.

I can only wonder as to what 'legal arguments' will provide the directors with a defence, no doubt citing that the 'holding company' avoids liability shifting to the directors? I'm following this with interest :-)

[louise1mcdaid]

Can you please complete our Survey. Only One Question.
www.surveymonkey.com/s/PHHFG8J

[louise1mcdaid]

Results are in for Survey. The Question we asked was as follows:-

On Monday the 21st May the High Court case of 7 European Home Retail and Farepak Directors versus the Government's Insolvency Service begins. The reason these individuals are in the High Court is that an application was made in the public interest on the grounds that “the conduct of each director in relation to the relevant company or companies makes him or her unfit to be a director”. If found guilty the court can disqualify the Directors for up to 15 years. However they could become a Company Secretary. Given that £37M is owed to 116,400 Christmas Savers, at least 207 are dead before a penny has been paid and that the Farepak Victims have to pay the £8.2M Administration/Liquidation Fee DO YOU THINK JUSTICE IS BEING DONE?...

87% said NO
13% said YES

On behalf of the Farepak Victims Committee thank you to everyone who participated.

Please also can I ask you to support our Govt E-Petition.

epetitions.direct.gov.uk/petitions/18820

Again Thank You!

[louise1mcdaid]

Mrs Quinn wins Industrial Tribunal Case awarded £24,000 - However DIRECTOR IS DISQUALIFIED AND COMPANY GOES INTO LIQUIDATION - Mrs Quinn becomes UNSECURED CREDITOR. This is a SCANDAL

www.hamiltonadvertiser.co.uk/news/local-news/hamilton-news/2012/05/17/woman-in-industrial-tribunal-case-awarded-24-000-51525-30984326/

[louise1mcdaid]

Court case for Disqualification of Directors started today - here is some of the news paper articles re first day.

www.legalweek.com/legal-week/news/2179709/nabarro-advisers-farepak-directors-trial-underway

www.dailyrecord.co.uk/news/uk-world-news/2012/05/24/former-farepak-directors-should-be-banned-from-running-companies-demands-watchdog-in-legal-bid-86908-23872105/

Plus Radio Five Live interview this morning - about 6.40am
www.bbc.co.uk/programmes/b01hxw21

Farepak Victims Committee are not attending Court Case - we cannot afford to go down to London for possibly 2-8 weeks. Our Press Release above says it all for us.

[louise1mcdaid]

What seems to have been forgotten today is the families of the 207 loved ones who have died before receiving a single penny. Families who paid £18 to send a copy of a death certificate to BDO. All our thoughts and love are with them today.

This article in particular sums it up. Pauline Brown who died of cancer in 2008 lost £300 - her sister Valerie said

“It’s horrible. I feel so very sad that Pauline will never gain any benefit for her loss.

“It wasn’t a great amount, but I’m desperately hoping her children will gain some benefit – it’s a matter of principle"

www.gazettelive.co.uk/news/teesside-news/2012/01/27/farepak-scandal-sister-died-still-waiting-for-compensation-84229-30210192/


How do these individuals sleep at night?

[louise1mcdaid]

Jessica Morden MP raises Farepak in House of Commons - 24th May 2012. Norman Lamb will arrange meeting. Jessica/Katy have worked with the Farepak Victims Committee for over 5 years now - our aim is to ensure REGULATIONS are put in place.

www.theyworkforyou.com/debates/?id=2012-05-24a.1279.0&s=speaker%3A11732#g1281.3

[nickd]

Great to see your campaign post getting so much well deserved attention Louise. Always on the look out for a Mylegal tie in, I would draw your attention to an article I wrote some time ago on how fraudulent actions within commerce (which many Farepak victims would argue have had inflicted upon them) are unlikely to result in criminal prosecution. It is seen by government as off putting to potential businesses to have a risk of criminal sanction hanging over the heads of directors if they do wrong. So they look for nice neat 'civil' sanctions instead. It's shrouded in an argument that criminal prosecutions of serious fraud are difficult & expensive to prove. It's not what I call justice and seems to turn the words on the outside of the Old Bailey to the advantage of those who Government is trying to free of regulation and help in avoiding paying the price for a criminal wrong - all for the sake of economic growth.

Read more here...

mylegal.proboards.com/index.cgi?board=frontline&action=display&thread=571

Not so much 'Defend the children of the poor & punish the wrongdoer'

Rather....

'Protect the commercial wrongdoer and punish the children of the poor'

[debaharvey]

Both myself and @louisemcdaid have been asking and pretty much begging the top supermarkets to PROTECT YOUR CASH. All we have had is a flat NO I even had a legnthy phone call from Shaun Wheeldon from Tesco and he actually stated "We will NOT protect the savings of our customers until the Government tell us we have to, and for that their needs to be a change in the law"!! What an utter disgrace!! they hold YOUR savings whether that be via stamps, card, etc and if they were to go bust YOU LOSE YOUR MONEY. Its that simple, you are now an 'unsecured creditor' and you will realise a few pennies for each £ lost........its utter contempt for the consumer. I will be posting EVERY LETTER from the supermarkets take a look for yourself its an eye opener

Attachments:

[debaharvey]

the easiest way for me to do this is to copy and paste OUR PROPSAL and the replies from ALL SO-CALLED FRIENDLY SUPERMARKETS.


Dear Mr Dalton Phillips

I am writing to you concerning your Christmas Savings Scheme. Firstly, I would like to tell you a bit about Mrs Louise McDaid and myself. We both saved with Farepak and we have both campaigned long and hard for a little over five years. We are members of a group called 'Farepak Victims Committee'. Louise is the Chair and I am the Secretary.

We are contacting you with an idea we have been looking into. Prepayment schemes as you are probably aware, are not protected or regulated under the FSA rules. We are not sure if you have seen the latest updates that have been in the press, but up until 3rd October 2011 BDO have charged Farepak £8.2 Million in fees and disbursements to realise just £5.5 Million for creditors. That is ludicrous by any standards. With this in mind you can possibly see why we have taken this fight to Parliament. Both our respective M.P's Jessica Morden (Newport East) and Katy Clarke ( North Ayrshire & Arran). We would like to see the regulations changed and tightened up. The prepayment of any product be it hampers, holidays, furniture, savings stamps even funeral plans, to be regulated under the FSA and stringently ring fenced so a massive consumer collapse such as Farepak can never happen again. Farepak was the biggest consumer failure in more than 30 years, with a loss in excess of £38 Million to approximately 116,400 customers.

The plan we had in mind was to table the idea of 'Consumer Confidence Guarantee', at the very beginning. Imagine this for a moment, consumers are now being told that all prepayment schemes carry a risk. We know this due to a massive research that we have carried out. Then Morrison’s advertise 'save with us, only Morrison’s have a Consumer Confidence Guarantee', where by all money saved albeit by Christmas Savings Card, stamps etc will not 'lost' in the event of bankruptcy. We could work out the wording but you get the idea. As was recently advertised prepayment savings have risen by 20%, the amount of consumers that would welcome new guidelines that gives them peace of mind to save without risk, would dwarf that 20% increase. In fact you could potentially double or treble your prepaid Christmas Savings. In the wake of Farepak a scheme called The Christmas Prepayment Association (CPA) was put in place. I have been reliably informed that it is a £6,000 membership fee per annum BUT the major flaw is in the fact that it is STILL A SELF-REGULATING SCHEME. We will be fighting for a change in the law to protect not only consumers but businesses, as if the savings are kept under the FSA rules then the Liquidation/Administration would not be able to swallow up the assets as has happened so many times in the past.

If you could answer this letter and let us have your thoughts on this matter we would be grateful, and maybe we could make some headway on this very important issue. In addition, as you are giving consumers the confidence to save with you it can only increase your custom. We will, however be asking other businesses if they would be interested in this idea if Morrison’s refuse to go ahead, as to publically authorise and in effect lead the way on consumer savings with such a guarantee then we can only see this as a massive increase to your customer base. We feel this would make very clever business sense to take on board, we hope to be able to achieve this with the Morrison’s family

Regards
Deborah Harvey & Louise McDaid.

[debaharvey]

I think I am getting the hang of this now !!!! Any how this is the response and more astonishingly Dalton Phillips CEO has NO IDEA about the laws surrounding savings clubs and where they sit with the FSA??

Attachments:

[debaharvey]

tHIS WAS THE NEXT LETTER OOOOHH YOU GET £3 FREE IF YOU SAVE £97!!!

Attachments:

[debaharvey]

This is the first reply from Sainsbury's

Attachments:

[debaharvey]

Sainsbury's part 2
Attitude leaves much to be desired...

Attachments:

[debaharvey]

This is the first from Tesco I think I may have put them in the wrong order........SORRY!!

Attachments:

[debaharvey]

This is the response that was sent to Morrisons WE ARE STILL WAITING FOR THE REPLY!!!!

Attachments:

[debaharvey]

THIS WAS SENT TO THE OFFICIAL RECEIVER IN FEBRUARY...................STILL WAITING FOR A REPLY........OUTRAGEOUS THAT THEY THINK WE ARE WALKING AWAY NOW

Attachments:

[debaharvey]

This is what we sent to ASDA:



DearMr Andy Clarke,



Iam writing to you concerning your Christmas Savings Scheme. Firstly, I wouldlike to tell you a bit about Mrs Louise McDaid and myself. We both saved withFarepak and we have both campaigned long and hard for a little over five years.We are members of a group called 'Farepak Victims Committee'. Louise is theChair and I am the Secretary.



Weare contacting you with an idea we have been looking into. Prepayment schemesas you are probably aware, are not protected or regulated under the FSA rules.We are not sure if you have seen the latest updates that have been in thepress, but up until 3rd October 2011 BDO have charged Farepak £8.2 Million infees and disbursements to realise just £5.5 Million for creditors. That isludicrous by any standards. With this in mind you can possibly see why we havetaken this fight to Parliament. Both our respective M.P's Jessica Morden(Newport East) and Katy Clarke ( North Ayrshire & Arran). We would like tosee the regulations changed and tightened up. The prepayment of any product beit hampers, holidays, furniture, savings stamps even funeral plans, to beregulated under the FSA and stringently ring fenced so a massive consumercollapse such as Farepak can never happen again. Farepak was the biggestconsumer failure in more than 30 years, with a loss in excess of £38 Million toapproximately 116,400 customers .



Theplan we had in mind was to table the idea of 'Consumer Confidence Guarantee',at the very beginning. Imagine this for a moment, consumers are now beingtold that all prepayment schemes carry a risk. We know this due to a massiveresearch that we have carried out. Then Asda advertise 'save with us, only Asdahave a Consumer Confidence Guarantee', where by all money saved albeit byChristmas Savings Card, stamps etc will not 'lost' in the event of bankruptcy.We could work out the wording but you get the idea. As was recently advertisedprepayment savings have risen by 20%, the amount of consumers that wouldwelcome new guidelines that gives them peace of mind to save without risk,would dwarf that 20% increase. In fact you could potentially double or trebleyour prepaid Christmas Savings. In the wake of Farepak a scheme called TheChristmas Prepayment Scheme (CPA) was put in place. I have been reliablyinformed that it is a £6,000 membership fee per annum BUT the major flaw is inthe fact that it is STILL A SELF-REGULATING SCHEME. We will be fighting for achange in the law to protect not only consumers but businesses, as if thesavings are kept under the FSA rules then the Liquidation/Administration wouldnot be able to swallow up the assets as has happened so many times in the past.



Ifyou could answer this letter and let us have your thoughts on this matter wewould be grateful, and maybe we could make some headway on this very importantissue. In addition, as you are giving consumers the confidence to save with youit can only increase your custom. We will, however be asking other businessesif they would be interested in this idea if Asda refuse to go ahead, as topublicly authorise and in effect lead the way on consumer savings with such aguarantee then we can only see this as a massive increase to your customerbase. We feel this would make very clever business sense to take on board, wehope to be able to achieve this with the Asda/Walmart family



Regards

DeborahHarvey & Louise McDaid.

[debaharvey]

The response from ANDY CLARKE CEO ASDA:










Directorate [e-mail]



20 Jan














to me



















GoodAfternoon Deborah



Thank you for your email to Andy Clarke. Aspart of Andy's Executive Relations Team, I'm available to respond on hisbehalf.



I'm writing to confirm we've received youremail and are looking into the issues you’ve raised. Once we'vecompleted our enquires, we’ll be back in touch.



Inthe meantime, thank you for your patience.



KindRegards



Nichola




Nichola Bassett, Executive Relations
Home Office Contact Centre

The Mint


Tel: [phone]
Ext: 66203

Email: [e-mail]


ASDA Saving You Money Every Day

[debaharvey]

Then a month later these came to my inbox:










Our Reference Number – 32073096



Good Evening Mrs Harvey



Thank you for taking the time to contactAndy Clarke. As part of Andy's Executive Relations Team, I'm available torespond to customers on his behalf.



We always appreciate customers taking thetime to contact us about ideas they think would be suitable for us to support.As I'm sure you can appreciate we get a lot of requests to support schemes suchas the 'Farepak Victims Committee' you represent.



I've logged the details of your email on oursystem, which is then passed through to the relevant department for theirconsideration, where they would then contact you directly. Unfortunately due tothe number of requests we get of this nature we can't always reply to those whowere unsuccessful.



I wish you luck with your campaign in thefuture.



Kind regards



Jonathan Bottomley

ASDA Executive Relations

[debaharvey]

OUR REPLY WAS
Good Evening Jonathan,




Thank you for your email.




I am disappointed that you have no definite answer for us. As you may be aware we are striving for a change in the laws that govern prepayment savings. We are extremely concerned that at present their are no regulations in place and that is unacceptable. In the media at present it has now emerged that 207 people are known to have died whilst waiting for Farepak to be resolved, with MP's fighting to achieve answers and to change laws. We have achieved cross party support which to be fair is not a very easy thing to do, we are willing to fight this for as long as it takes and we were hoping the Asda/WallMart Family would join us.



We appreciate that you cannot second guess what the outcome would be, but as you can imagine we have been 5 long years trying to achieve full protection of consumers prepayment savings. We would love to work with you in achieving this, after all the security of consumers savings should be protected as standard, we cannot understand why they have never been protected. For one thing it makes no business sense to leave the door wide open for another Farepak to happen. That thought does not bear thinking about. We certainly hope that you will respond to us and be willing to come on board and pave the way for full secured savings for each customer who saves with you. We are under no illusions that the change in the laws have to come from Government, all we are asking of you is to protect savings for your loyal customers. We firmly believe that if you put this in place your customer base will increase by huge amounts of savers who at Christmas will be spending all that money saved back in your store. That, we believe makes excellent business sense.



We look forward to hearing from you in the very near future



Kind Regards



Deborah & Louise

[debaharvey]

AND FINALLY!!!

















Our Reference Number – 32123147



Good Afternoon Mrs Harvey



I’ve raised the issues you’ve highlighted in youremail with the relevant team. We wouldn’t be able to commit to supportingyour cause at the current time as we believe the Asda savings schemes operates ina substantially different way to the companies you are concerned about.



Our savings scheme provides all our customers with a convenientand accessible solution to the challenge of budgeting throughout the year forsignificant events. Our scheme operates in a similar way to giftvouchers; customers purchase credit on an electronic card that can be redeemedin our stores at any time, against all of our products. Although thecredit is available throughout the year, we find that most of our customers usethe scheme to save for their main Christmas shop.



The Asda savings scheme does not use the business model in whichcustomers contribute to the scheme throughout the year and the company thenpurchases the products near to Christmas. Customers in our scheme can spendtheir funds at any time and choose the products they want. They also have theextra reassurance that our scheme is secured within the operation of a muchwider business. Finally, we also offer customers the opportunity to guaranteethe balance of registered gift cards which are lost or stolen through ourwebsite.



I hope this shows we are committed to helping our customers.



If there is anything else I can help you with, please let me know.



Kind regards



Jonathan Bottomley

[louise1mcdaid]

WILLIAM PETER ROLLASON, DOB 29 November 1960

Business Appointments as follows;

Smile Restaurants Ltd 4 Hardman Square Manchester WENT INTO LIQUIDATION 17-FEB-2012. Previously called MASCO 16 Ltd name changed 14-Jul-2009. APPOINTMENT as Director 21-AUG-2009 UNTIL 04-AUG-2011 APPOINTMENT TERMINATED.

Jessops Ltd Jessop House Leicester. DECLARATION OF INSOLVENCY:LIQ 04-FEB-2010 2ND Notification in Gazzette sec 652
APPOINTED as Director 24-JUNE-2010 APPOINTMENT TERMINATED 26-APRIL-2011.

Snap Equity Ltd Jessop House Leicester. Previously called DWSCO 3000 Ltd.
APPOINTED as Director 15-OCT-2009 APPOINTMENT TERMINATED 15-JULY-2010.

Jessop Group Ltd Jessop House Leicester. Previously called Jessop of Leicester Ltd. Director Terminated 02-JUNE-2010.

Camera Mezz Jessop House Leicester. Previously called Intercede 1783 Ltd, Camera Mezz Ltd, Jessops Ltd.
Director Terminated 15-JULY-2010.

Camera Equity Ltd Jessop House Leicester. Previously called Ingleby (874)Ltd, Jessop International Ltd, Jessop Limited.
Director Terminated 15-JULY-2010.

Camera Bond Ltd Jessop House Leicester. Previously called Intercede 1804 Ltd Director Terminated 15-JULY-2010

Expert Imaging Ltd Jessop House Leicester. Previously called Cameras2u.com Ltd, Ever 1988 Ltd. Director Terminated
02-JUNE-2010 AND 03-JUNE-2010. ANNUAL RETURN OVERDUE AS OF 10TH FEBRUARY 2012.

Artificial Lift Ltd. 10 High Street Surrey. Previously called Performance Tools Ltd. Secretary Appointed 13-MAY-2008
Secretary Terminated 29-SEP-2010.

The Genuine Dining Co Ltd. Lakeside House Uxbridge. Previously called Yes Dining UK Ltd, Yes Dining (London) Ltd, Yes Dining Ltd.
Director Appointed 01-OCT-2010 Director Terminated 06-OCT-2011.

Real Inns Ltd. 8-10 Grosvenor Gardens London. Director Appointed 23-OCT-2010 Director Terminated 04-AUG-2011.

Paramount Acquisitions Ltd 4 Hardman Square Manchester IN LIQUIDATION AS 17-JAN-2012 Director Appointed 15-OCT-2010
Director Terminated 04-AUG-2011 & 04-AUG-2011.

Paramount Limited Hill House 1Little New Street London IN ADMINISTRATION AS 13-DEC-2011. Director Appointed 22-DEC-2010
Director Terminated 04-AUG-2011.

Groupe Chez Gerard Restaurants Ltd Hill House1 Little New Street London. Previously called Groupe Chez Gerard Ltd.
IN ADMINISTRATION AS 17-JAN-2012 Director Appointed 11-NOV-10 Director Terminated 04-AUG-2011.

Groupe Chez Gerard Ltd, 8-10 Grosvenor Gardens London. Director Appointed 22-DEC2010 Director Terminated 04-AUG-2011.

Paramount Restaurants Ltd Hill House 1 Little New Street London IN ADMINISTRATION AS 06-JAN-2012. Director Appointed 22-DEC-2010
Director Terminated 04-AUG-2011.

Livebait Restaurants Ltd. 8-10 Grosvenor Gardens London. Director Appointed 22-DEC-2010 Director Terminated 04-AUG-2011.

Caffe Uno Brasseries Ltd. Hill House 1 Little New Street London. IN ADMINISTRATION As 14-JAN-2012. Previously called
Gordon OP CO Ltd. Director Appointed. 11-NOV-2010 Director Terminated. 04-AUG-2011.

Paramount Holdings Ltd. 4 Hardman Square Manchester. IN ADMINISTRATION As 17-FEB-2012. Director Appointed 11-NOV-2010
Director Terminated 04-AUG-2011.

Craftbutton Ltd. Hill House 1 Little New Street London. IN ADMINISTRATION AS 11-FEB-2012. Director Appointed 11-NOV-2010
Director Terminated 04-AUG-2011.

Rykneld Tean (Holdings) Ltd. Hansard Gate Derbyshire. Previously called MAWLAW 458 Ltd. Particulars Changed 20-SEPT-2010
STILL A CURRENT DIRECTOR.

Bright Futures Group PLC. Ward House Surry. Previously called TFE Holdings PLC. Director Appointed 09-NOV-2010
STILL A CURRENT DIRECTOR.

The Glasshouse Project Ltd. 1 The Avenue Eastbourne. Previously called Stomper Management Ltd. Director Appointed 11-JAN-12
STILL A CURRENT DIRECTOR.

Genuine Food Company Ltd. Ward House Ward Road Surry. Director Appointed 17-MAY-2011


Whilst he was in charge of the Chez Groupe of restaurants he used 10% of the STAFF TIPS to pay the staff Wages!! He couldn't see anything wrong with that.

It was in 2003 that Rollason was hired to turn the company around and his salary was £290,000 per anum as chief executive of EUROPEAN HOME RETAIL (PARENT COMPANY OF FAREPAK), in addition to that figure in 2004 he also received a bonus of £75,000. He is a former investment banker who was 'mockingly dubbed the exceedingly modest Mr Rollason'. He initially ducked out of the spotlight but not before he hired London based 'Reputation management Consultant, Reputaioninc'. He lives in a £1.8Million home in Fulham and at the time of the Farepak collapse he was still a non-exec director of Jessops and a Chairman of Direct Selling Association. Rollason was obsessed with doing deals which was a key reason of the collapse of Farepak he hoovered up savers cash to spend on businesses that then failed to perform. EHR was previously known as Kleeneze and it was at that time that Rollason joined the firm after a career as an accountant with KPMG and as a banker with Hambros. He was Associate director of Carlton Communications and also Finance Director at National Express which he suddenly left.

Rollason was being sued in Australia for negligence and a breach of director's duty resulting in the collapse of Bosnjak Holdings, part of National Express empire. SOUNDS FAMILIAR!!

[debaharvey]

I Think it's time ALL the dodgy dealings were posted Lou don't you? I think it's time to copy and paste everything we. Found out! I will get onto it now x

[debaharvey]

The following is about Stevan Fowler;



Stevan Lloyd Fowler 29-OCT-1958 Last Known Address Tower House Kirklees Hall Clifton Brighthouse West Yorkshire HD6 4HD

PLEASE NOTE THE ABOVE PROPERTY WAS SOLD ON 18-OCT-2006 FOR A PROFIT OF £300,000!


Fowler was involvoed in 108 companies in one way or another and therefore I will list those that all went under around the same time instead of listing them individual as I have previously done. They are as follows;



COMPANIES DISSOLVED ON 20-APR-2007



Christmas Shopping Ltd........Finance Director & Company Secretary

Farepak Incentives Ltd...........Finance Director & Company Secretary

Scriptland Meats Ltd...............Director & Company Secretary

Farepak Hampers Ltd..............Director & Company Secretary

Neil McHugh Ltd......................Director & Company Secretary

EHR 17 Ltd................................Director & Company Secretary

EHR 6 Ltd..................................Director & Company Secretary

EHR 7 Ltd..................................Director & Company Secretary

Cyril's Hampers Ltd.................Financial Director & Company Secretary

Goodway Hampers Ltd.............Director & Company Secretary

European Home Shop Ltd........Director & Company Secretary

European Direct Retail Ltd.......Director & Company Secretary

European Retail Direct Ltd.......Director & Company Secretary

Kleeneze Logistics Ltd.............Director & Company Secretary

Costume $Jewellery Co Ltd.....Director & Company Secretary

Online Shopping Services Ltd..Director & Company Secretary

Interfil Ltd...................................Financial Director & Company Secretary

Farepak Holdings Ltd................Financial Director & Company Secretary

Iwantlotsofthose.com Ltd.........Director & Company Secretary

iwantoneofthose.com Ltd.........Director & Company Secretary

EHR 16 Ltd..................................Director & Company Secretary

Farepak Mail Order Ltd..............Director & Company Secretary

EHR 15 Ltd..................................Director & Company Secretary

EHR 2 Ltd....................................Director & Company Secretary

Kleeneze Fulfilment Ltd.............Director & Company Secretary

Pacman Fulfilment Services Ltd..Director & Company Secretary

EHR 3 Ltd....................................Director & Company Secretary

EHR Ltd..................................Director & Company Secretary



COMPANIES IN LIQUIDATION ON 20-APR-2007



Talk Turkey Ltd...........................Finance Director & Company Secretary

EHR 12 Ltd...................................Director & Company Secretary

EHR 14 Ltd...................................Director & Company Secretary

EHR 18 Ltd...................................Director & Company Secretary

EHR 8 Ltd.....................................Director & Company Secretary

Macpreb Trustees Ltd.................Director & Company Secretary

European Home Retail Plc..........Director & Company Secretary

Display Marketing Group Ltd.....Director & Company Secretary

Westlea Farm Foods Ltd............Fianance Director & Company Secretary

Farepak Food and Gifts Ltd.......Finance Director & Company Secretary

EHR 19 Ltd...................................Director & Company Secretary

EHR 13 Ltd...................................Director & Company Secretary

Castlegate 105 Ltd......................Director & Company Secretary

EHR 1 Ltd.....................................Director & Company Secretary

EHR 11 Ltd...................................Director & Company Secretary



COMPANIES NON-TRADING 13-OCT-2006



Kitbag Sports Ltd.........................Director & Company Secretary

Kitbag.Com Ltd............................Director & Company Secretary



COMPANIES DISSOLVED 02-NOV-2004



Yates Group Pension Trustees Ltd........Director

Addison and Company Ltd.....................Director

Burntoak Properties Ltd..........................Director

Cornglobe Developments Ltd.................Dierctor

Watling Street Inns Ltd............................Director

Yates Brothers Wine Lodges Ltd............Director

Yates Group Trustees Ltd........................Director

Yates Duty Free Ltd..................................Director

Yates UK Ltd..............................................Director



COMPANIES IN LIQUIDATION ON 02-APR-2004



HA!HA! Bar and Canteen Ltd...................Director

EHR 11 Ltd.................................................Director

Forno Vivo Ltd...........................................Director

Yates Group Ltd........................................Director

Yates Wine Lodge Ltd...............................Director



COMPANIES DISSOLVED ON 31-AUG-2001



Yorkshire Industries Ltd............................Group Financial Director

Yorkshire Chemicals UK Ltd.....................Director

HS (516) Ltd................................................Group Financial Director



THE REMAINING COMPANIES ARE AS FOLLOWS;



Novodec Ltd........................Director................. 21-MAY-1999

Quaystone Properties Ltd........Director...........23-DEC-2002



As you can see he had his finger in a lot of pies, whilst this does not mean he should take the blame for Chris Hulland, he has to hold his hands up because he was the Financial Director from 1-JAN-2006 and Pricewaterhouse Coopers were called in due to the Choice Voucher, and they were reportedly told then that they had to clean up their act. And as the shares of EHR were suspended on 23 August 2006, and Stevan Fowler would like to portray his innocent victim role, why then was he allowing the customers payments to be taken until 13th October and in some cases beyond that date. Please understand I do not want anyone held responsible for another persons mistakes, however, in the following emails their is one person who definitely should have been in the firing line and she has never been mentioned.