Financial Services

SYSTEMIC  FRAUD  EXPOSED

2.2.1

The Construction of a Contract

2.2.2

The Exemption Clause

2.2.3

The Standard Form Contract (Contract of Adhesion)

2.2.4

Other Limitations at Common Law to the Operation of Exemption Clauses

2.3.1

The Conditions Necessary for the Existence of Misrepresentation

2.3.2

Fraudulent Misrepresentation

2.3.3

Negligent Misrepresentation

2.3.4

The Duty to Disclose and Silence as a Misrepresentation

2.3.5

Statutory Misrepresentation

2.3.6

Fraud and the Conman - U.K. Law and Irish Law

2.4.1

False or Misleading Statements

2.4.2

Misleading Advertising

2.4.3

Supply of Services

2.4.4

Investment Business relating to Consumer Credit Transactions

2.5.1

U.K. Financial Services Act 1986 —— Latent Power

2.5.2

Securities and Investments Board —— Financial Services Conduct of Business Rules

2.5.3

Safeguards for Investors —— LAUTRO and FIMBRA

2.5.4

Personal Investment Authority —— Financial Services Authority

2.5.5

Contravention of the Rules is directly actionable through a Court of Law

2.5.6

The U.K.Regulatory Regime

2.5.7

The Whitewash Road

2.5.8

The Appalling Vista 

2.6.1

False Assurance ——— Irish Insurance Act 1989 

2.6.2

Huffing and Puffing ——— Irish Investment Intermediaries Act 1995 and Irish Consumer Credit Act 1995 

2.6.3

A Marked Absence of Teeth ——— Irish Investment Intermediaries Act 1995 and Irish Insurance Act 2000 

2.6.4

The Irish Regulatory Regime

2.6.5

Control and Containment ——— Self Regulation: The Ombudsman Schemes

2.6.6

The Whitewash Imperative

2.6.7

A Stitch-Up in Time — NOT ACTIVATED YET

2.6.8

Some Men are More Equal than Others! — NOT ACTIVATED YET

2.6.9

From Whitewash to Quicklime -- Proactive Concealment — NOT ACTIVATED YET

2.8.1

The Right to Revoke the Contract

2.8.2

The Measure of Damages as a result of a successful Action based on the Common Law liability under Fraudulent Misrepresentation

2.8.3

The Measure of Damages as a result of a successful Action based on the Common Law liability under Negligent Misrepresentation

2.8.4

The Measure of Damages as a result of a successful Action based on the Statute Law liability under Misrepresentation

2.8.5

Crime and Punishment

2.10.1

The Endowment Mortgage Contract

2.10.2

The Pre-Contract Representations and Disclosures

2.10.3

The Contractual Relationships

3.7.1

The Absence of Signature

3.7.2

A Contract of Adhesion

3.7.3

No Exemption from Liability for Pre-Contract Representations

3.7.4

An Implied Term of the Contract cannot be Negatived

3.7.5

Failure to Tell the Whole Truth

3.7.6

Breaches of Statute Law

4.9.1

An ‘Apparent’ Additional Benefit

4.9.2

More ‘Sleight of Hand’

4.10.1

The Pre–Contract Oral Misrepresentation of Investment

4.10.2

The Pre–Contract Written Misrepresentation of Investment

4.10.3

THE SCHEDULE : An Endorsement of the Pre-Contract Misrepresentations

4.10.4

Clear and Unambiguous Words CANNOT be Modified

4.10.5

Encashment : Active Concealment of Dishonest Intention

4.10.6

Investment : Active Concealment of Dishonest Intention

4.10.7

Benefits : Your Loan WILL BE Repaid

4.10.8

Bonus : An Absolute Necessity Definitely Not a Gratuity

4.10.9

Further Breaches of Statute Law

6.5.1

Failure to Indicate APR — In Breach of Statutory Law

6.5.2

Failure to Indicate APR — In Breach of Duty to Disclose

6.5.3

The Absence of an Informed and Voluntary Consent

7.4.1

The Status of the Assumed Growth Rate

7.4.2

The Positive Representations Made

7.4.3

The Duty to provide the Information Necessary to an Informed Decision

7.4.4

Infringements of Statute Law

8.6.1

The Real Risks

8.6.2

The Fraudulent Status of the Advice Given

8.6.3

A Truthful Financial Analysis is NEVER Presented

8.6.4

There should be No Euphemism for Fraud

8.6.5

Misrepresentation Every Which Way

8.6.6

The Independent Financial Adviser

8.6.7

Other Infringements of Statute Law

9.6.1

The Real Risks

9.6.2

The Fraudulent Status of the Advice Given

9.6.3

A Truthful Financial Analysis is NEVER Presented

9.6.4

There should be No Euphemism for Fraud

9.6.5

Misrepresentation Every Which Way

9.6.6

The Independent Financial Adviser

9.6.7

Other Infringements of Statute Law

10.3.1

Risks WHOLLY CREATED by the Life Assurance Company

10.3.2

Further Clarification of the Risks associated with DEPENDENCE on Bonus

10.3.3

Conscious Knowledge that a False Impression is being imparted to the Borrower

10.3.4

An Instrument that provides UNEARNED PROFIT for the Life Assurance Company

10.3.5

Material Risks KNOWN to the Life Assurance Company

10.3.6

Exposure to Unreasonable Risk with No Object to be Attained

10.3.7

Breaches of Statute Law

10.3.8

A Disease of the Oldest Profession