Investigating, Quantifying and Exposing the Deliberate Frauds, Rip Offs and Scams Perpetrated On the British People by the Financial Services Industry - Everything in this Web Site has been Reported to the Financial Services Authority Many, Many Times Since Jul-02 & Totally Ignored.
Aim - To Achieve High Profile Mass Exposure of True Cost Comparisons through Media Adverts, to Eliminate the Frauds, Rip Offs and Scams of a ‘Rotten To The Core’ UK Financial Services Industry, Corrupt Regulators and Failed Civil Service Departments
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Contents
Aims
About Us
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Media Centre
Contact Us
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

 
 

 
WHAT ELSE IS THE FSA TURNING A BLIND EYE TO?  

 

One list of everything you need to compare mortgage costs and save thousands.
Financial OUTRAGE - a Charity - presents:  "RATCATCHERS MORTGAGE MATRIX"
Adobe A3 File - or - Adobe A4 File - a list of Costs from every Mortgage Provider in order of Standard Variable Rate Competitiveness also showing the Most Competitive Current Mortgage Product from each Mortgage Provider..
View, Print & Distribute to all your friends, neighbours, relatives and workmates NOW

Correspondence with the People in Positions of Power and Trust

They surely don't come more powerful or "trustworthy" or caring than this guy: 

Note 1:  For previous correspondence see www.eurocarDirect.co.uk/the_cover_up

Note 2:  Most Financial OUTRAGE mail is completed utilising Mail Merge where a letter and a separate list of Names & Addresses can be automatically put together.

12-Feb-04 - Northern Student Union Branches Letter - titled -
The Silent Fraud of Mass Deception - Will it take a Students Union to help expose the Biggest Frauds, Rip Offs and Scams ever perpetrated on the British People?  Distribution List Of Northern Student Unions - A copy of the MUST NOT BE FAXED OR COPIED TO CUSTOMERS False Exchange Rate Sheet was referred to printed on the reverse and I also included a computer disk with many supporting files also including hard copies of SVR Mortgage Matrix and Best Deals Mortgage Matrix.

No reply has yet been received from any Student Union.

16-Feb-04 - National Media Letter titled - The Silent Fraud of Mass Deception - Will it take a non financial journalist to help expose the Biggest Frauds, Rip Offs and Scams ever perpetrated on the British People? - to 334 individual National Media People.  Distribution List Of Media Letter - A copy of the MUST NOT BE FAXED OR COPIED TO CUSTOMERS False Exchange Rate Sheet was referred to printed on the reverse and I also included a computer disk with many supporting files also including hard copies of SVR Mortgage Matrix and Best Deals Mortgage Matrix.

Replies have been received from:

Jeff Prestridge - Personal Finance Editor - Financial Mail On Sunday
Des Kelly - Deputy Editor - The Daily Mirror
The Editor - The Sunday Times
Jade Parker - PA to the Editor - The Observer
Ronald Williamson - Raw Deal Editor - The Scottish Sunday Post
Rachel Postgate - Factual Administrator Carlton TV - Re: Letter to John Pilger did not reach him.

327 Other National Media Journalists etc. contacted did not even have the courtesy of bothering to reply.  Dumbing Down is an expression that springs to mind.

Note:  Just remember the next time you watch BBC Watchdog.  They have been contacted 127 times since Jul-02 and yet unbelievably they continue to ignore it and investigate what is in the main 'Trivial By Comparison'.  Have they ever investigated anything really serious to do with the 'big players' of the Financial Services Industry?

18-Feb-04 - Letter to Every Member of Parliament titled - the Silent Fraud of Mass Deception - Will our Elected MP’s Expose, impose Penal Fines and Punish the Biggest Frauds, Rip Offs and Scams ever perpetrated on the British People?
with Appendix:  A Proposed Solution To The Financial Services Frauds
Distribution List of Members of Parliament
- A copy of the MUST NOT BE FAXED OR COPIED TO CUSTOMERS False Exchange Rate Sheet was referred to and printed on the reverse and I also included a computer disk with many supporting files also including hard copies of SVR Mortgage Matrix and a hard copy of Best Deals Mortgage Matrix.

Replies have been received from:

Tony Blair - MP & Prime Minister
John Thurso - MP
Alex Salmond - MP
Frank Dobson - MP
Andrew Miller - MP
John Hayes - MP & John Hayes - MP again
Peter Lilley - MP

Postcard Acknowledgements of receipt have been received from:

Laurie Quinn - MP     Michael Jack - MP     Oliver Letwin - MP

Henry Bellingham - MP     Peter Ashworth - MP     Sir Menzies Campbell - MP
Bill Etherington - MP     Gwyn Prosser - MP     David Willett - MP
Virginia Bottomley - MP

Over 600 MP's other MP's did not even have the courtesy to reply.

Special Note:  The local Member of Parliament, the Right Honourable Mr Gordon Marsden MP, who despite being contacted over 100 times still furtively remains in hiding.  Indeed a mystery man shrouded in a masquerade of secretiveness & stealth.  Does he actually exist? 

18-Feb-04 - Letter to Brown & Blair - addressed to their wives - titled -
I am concerned that corrupt regulators and failed civil service departments are keeping your husband in a bubble and keeping things like this well away from him.
along with above letter to every Member of Parliament & attachments.

Reply from HM Treasury
Reply From 10 Downing Street - did they even read it?

For additional information in answer to a previous letter dated 18-Aug-03 addressed personally to Tony Blair - Prime Minister - the letter was returned to me along with a reply which stated - "You have been awarded by the P.M. the title of the TOP IDIOT of the year."

24-Feb-04 - Letter to Every Listed Trade Union - titled -  The Silent Fraud of Mass Deception - Will it take a Trade Union to help expose the Biggest Frauds, Rip Offs and Scams ever perpetrated on the British People? - - Distribution List Of Trade Union Members - A copy of the MUST NOT BE FAXED OR COPIED TO CUSTOMERS False Exchange Rate Sheet was referred to and printed on the reverse and I also included a computer disk with many supporting files also including a hard copy of Best Deals Mortgage Matrix.

No reply has yet been received from any Trade Union.

25-Feb-04 - Covering letter to the Top 500 Charities (by Expenditure) titled - New Charity - The Amy McSporran “FINANCIAL OUTRAGE” Mass Exposure Fund
Aim - High Profile Mass Exposure Against the Frauds, Rip Offs and Scams of a ‘Rotten To The Core’ UK Financial Services Industry, Corrupt Regulators and Failed Civil Service Departments
- along with Normal Letter to the Top 500 Charities - titled -
The Silent Fraud of Mass Deception - Will the Top 500 UK Charities (by expenditure) Help Expose the Biggest Frauds, Rip Offs and Scams ever perpetrated on the British People? - Distribution List of Top 500 Charities -  copy of the MUST NOT BE FAXED OR COPIED TO CUSTOMERS False Exchange Rate Sheet was referred to and printed on the reverse and I also included a computer disk with many supporting files also including hard copies of SVR Mortgage Matrix and Best Deals Mortgage Matrix.

Replies have been received from:

Enable
Shaw Trust
Comic Relief
Wolfson Foundation
Age Concern
Shetland Charitable Trust
Esmee Fairbairn

493 other Top 500 Charities did not even have the courtesy to reply.

24-Apr-04 - Tony Levine - The Guardian - If they can't stop Financial OUTRAGE in its relentless pursuit of exposing the Financial Services Frauds of Mass Deception, by totally ignoring you, then they simply have no alternative other than to rubbish you & not even mention the Free Mortgage Matrix Notice Board Poster showing Massive Overcharging by stealth on Mortgage Interest of up to 311.2% - quantified as £101,798 "ADDITIONAL INTEREST" on an average 25 Year £100,000 Mortgage. 

26-Apr-04 - Letter & Fax to Tony Levine & Alan Rusbridge - Editor -
URGENT PRINTED CORRECTION REQUIRED - "I was disgusted to read your answer to AR London on Sat 24 April, 2003.  It was almost totally incorrect, not precise or factual, completely misleading, & consequently damaging.  I demand that you set the record straight by verifying and printing the following next Saturday etc...........If you as an supposed investigative newspaper had done your job correctly, in the interests of the British people, there would simply be no need for a Financial OUTRAGE financial information Charity."

On the Guardian's web site home page it clearly states 'Best daily newspaper on the world wide web' However there is no supporting documentation whatsoever to back that outlandish claim either.

In the light of Tony Levine's unsubstantiated untruths & misrepresentation of facts and the lack of any courteous response from Alan Rusbridge Editor, to the complaint requiring an Urgent Printed Correction Required, can we really believe that to be true?  

Whereas the bulk of the facts noted on the Financial OUTRAGE web sites are simply mathematical formulae with totals, and are therefore not subject to opinion or interpretation and are simply irrevocable mathematical fact, and the rest being substantiated by supporting documentation.  

By going a stage further with standard mathematical calculations - if the Guardian employs around 1000 people, the mathematical odds against any 2 Guardian employees sitting down together to check the sites, and both being totally illiterate (unable to read supporting documents) & at the same time both being unable to add up (check mathematical calculations) is an unbelievable 999,000 to 1 - calculated as follows: 1,000 X 999)/(1 X 2) = 499,500 X 2 = 999,000.

Therefore, if as the Guardian states that they are indeed the
Best daily newspaper on the world wide web, a reasonable and honest person would automatically assume, given the evidence, that a retraction would be printed. 

Either Financial OUTRAGE were so outrageously & unbelievably unlucky to be that one in 999,000, or as the odds support, is there a deliberate hidden Agenda to try and stop the British Public finding out about the MORTGAGE MATRIX.....and the rest....on our Financial Information Site.  

You can surely trust the Guardian to print the truth, can't you, can't you, well.....if all Guardian staff are of the same calibre the formulae calculates that you can ONCE out of 999,000 TIMES that is.  

The Guardian of what? - truth, honesty, decency - I don't think so - OR - corruption, cover-ups, blatant untruths - well.....

27-Apr-04 - Letter from the Charity Commission - great I knew requesting an Application Pack and sending 2 letters to them and to the Top 500 Charities on 25-Feb-04 was the best way forward - Covering letter to the Top 500 Charities & Normal Letter to the Top 500 Charities  despite the limited response so far from only 7 of the Top 500 Charities, a letter from the Charities Commission themselves, YES, theysay they've checked the contents of our web site - YES, this surely must be the big breakthrough, YES, they're bound to assist, aren't they, aren't they, aren't they!  YES, they surely must care, don't they, don't they!  Well....it would appear, without reasonable explanation, that they don't want the Full Page MORTGAGE MATRIX to appear in every newspaper either.

Answered 06-May-04 - Letter to the Charity Commission - key extracts of which are as follows:- 
 
I repeat, I am utterly convinced that the only sure way that we can eliminate the British Public from continuing to be victims of the deliberate Management Driven Frauds, Rip Offs and Scams of the Financial Services Industry is to publish the Mortgage Matrix in every national and evening newspaper once a month summarising the massive overcharging on Mortgage Interest and simply noting the web site address so that they will become aware of the Fraudulent Selling Of Interest Only Endowment Funded Mortgages and the 50% Endowment Shortfall Timebomb Secret, and the rest.

Financial OUTRAGE will achieve this aim. There are millions of good honest normal people who if they knew about this would help. They will know and they will help.

As you have demanded a full reply from me by 11-May-04 which I have quite obviously done, I now
 
respectfully demand a full reply from you as to why you and the Top 500 Charities will not assist, and why you ignore mathematical fact. I demand a full & complete reply by Friday 14- May-04. Simply ignoring the FMD - Fraud of Mass Deception - will not be accepted by me and nor will it be accepted by the British People.

29-Apr-04 - Letter to the Financial Services Authority, Banking Code Standards Board and the Mortgage Code Compliance Board - titled - As Supposed Regulators why does the Financial Services Authority, the Mortgage Code Compliance Board & the Banking Code Standards Board NOT Expose the Biggest Frauds, Rip Offs and Scams ever Perpetrated on the British People totalling some £2.3 Trillion Pounds?  - A copy of the MUST NOT BE FAXED OR COPIED TO CUSTOMERS False Exchange Rate Sheet was attached along with a hard copy of the Free MORTGAGE MATRIX POSTER - Save up to £101,798 in Interest Charges.

12-May-04 - pp reply dated 10-May-04 received from Financial Services Authority - "We regret that due to the very large numbers of enquiries we receive, we cannot respond to all queries individually.  However, we have enclosed some leaflets, which we hope you will find helpful."  How bent can it all get?  Massive frauds and no-one at the FSA is interested yet again!  Deliberate or what!

29-Apr-04 - Full Page MORTGAGE MATRIX advert appears on Page 37 of the Blackpool Gazette.

30-Apr-04 - By coincidence the day after the first full page advert appeared a death threat was received - "No more, James, you know it won't be good for your health, don't you." 

4-May-04 - Taped Conversation with a 'well respected' Fleet St national journalist who informed me that:
"Interest only mortgages have always been a fraud"  
Well..an authenticated transcript is being prepared for publication as soon as possible.

05-May-04 - Open Letter to Bob Geldof titled - I Need Bob Geldof to be the Figurehead of a New Charity - Financial OUTRAGE

I want Bob to be the figurehead of this new charity.  The Financial Services Industry are defrauding the British Public out of £2.2 Trillion Pounds by stealth, fraud, rip offs and scams.  The regulators are doing nothing about it and the papers won't print it. 

If Bob can save the British public £2.2 Trillion pounds, then I am sure that much much more money will then be able to be donated to help Africa.  I don't believe that anyone else apart from Bob would be strong enough to do this.  By leading this charity HE CAN CHANGE THE WORLD.  I will never give up in Bob Geldof until I have actually spoken to him myself and he has personally told me that he is not interested and why he is not interested - I need to know that my full correspondence did actually reach him.

26-May-04 - AN EVENING WITH BOB GELDOF at The Dome Morecambe.  Gave him the paperwork proof - "What can I do" was the sad & uninterested reply.  With that I was thrown out despite behaving in a courteous and respectful manner.  Oh Bob, if only you'd taken the time to read it.
 
09_May-04 - Death threat received - "James, back off, or you'll end up being found on the beach, we won't tell you again."

You see, if this was front page news it would seriously damage the Financial Services Industry, the Government and their Regulators, and the Press who 
  

 

 

 

 

 

 
         
 
 

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