JUST A FEW OF THE WEBSITES AND 1000S OF PAGES FROM ALL OVER THE WORLD OVER THE PREDDY FRAUD

SUSSEX POLICE DO NOT THINK THAT MARK SLADE IS WORTH INVESTIGATING EVEN THAT HE HAS MADE 40 MILLION POUNDS IN 3 YEARS KEN JONES YOU ARE A INSULT TO THE 100S OF PEOPLE LOSING THEIR HOMES

 JILT: Property Offences into the 21st Century
... cheque and electronic funds transfer in the context of a mortgage fraud ... The first
is that it has been clearly held by the House of Lords in Preddy ...
elj.warwick.ac.uk/jilt/99-1/lipton.html - 76k - Cached - Similar pages

Untitled
... features, including the sophisticated nature of the fraud ... Those cases were decided
before Preddy but were cited and not disapproved by the House of Lords. ...
secret.envy.nu/crime/newcrime00.htm - 101k - Cached - Similar pages

House of Commons - Trade and Industry - Minutes of Evidence
... Risk analysis, fraud prevention etc. ... It is the language of Preddy and Slade,
theft and of bank account transfers (see my submission to Cm 3349). ... Back. ...
www.parliament.the-stationery-office.co.uk/ pa/cm199899/cmselect/cmtrdind/65/65a05.htm - 46k - Cached - Similar pages
[
More results from www.parliament.the-stationery-office.co.uk ]

Untitled
... features, including the sophisticated nature of the fraud ... Those cases were decided
before Preddy but were cited and not disapproved by the House of Lords. ...
secret.envy.nu/crime/newcrime00.htm - 101k - Cached - Similar pages

Nanyang Business School - Research Publication A- B
... Ambanpola KB, "Corporate Fraud - Whose Responsilibity is it?", Journal of the Institute
of Management ... Rv Preddy, Rv Slade, Rv Dhillon (House of Lords ...
www.ntu.edu.sg/nbs/publications/res_pub-a-b.htm - 88k - Cached - Similar pages

 As you know when Sulc buys a property he puts
scaffolding up straight away, sometimes for a long time.
Another associate car W716MDY silver Lexus? both this car and the
Jag (black) are often parked in Kings Rd without getting tickets.
He owns 9 Kings Rd -this had a mortgage on it from "Mortgage Guarantee Ltd".
Has a list been made of properties owned. Have all solicitors and
Estate agents been told about him.
37 Kings Rd is owned by Colin & Alison Quickfall of Tun Wells
I have had problems sending you email they keep returning.
Sulc was at a wedding today at the Fox Pub in St. L, some of his people drink there often

 Many of his properties were purchased from Hastings Building Co offices in
>>55-57 Kings Rd.

Asif Tufal
... The conviction was upheld by the House of Lords ... risk of becoming an accomplice to
the defendant's fraud ... OBTAINING A MONEY TRANSFER BY DECEPTION. Rv Preddy ...
www.lawteacher.net/Criminal/Deception%20Cases.htm - 14k - Cached - Similar pages

Thomas More Chambers
... to appeal before the Court of Appeal and the House of Lords ... R. 455 PC (Human Rights:
fair trial) R~v~Preddy ... & Dhillon (1996) 3 WLR 225 (HL) (Mortgage fraud ...
www.thomasmore.law.co.uk/geoffrey.html - 15k - Cached - Similar pages

Criminal Law Chapter 0 -- New Features
... of Appeal tried to decide the implications of the House of Lords judgement of Rv
Preddy ... A discussion of white collar crime in the context of fraud ...
cwx.prenhall.com/bookbind/pubbooks/elliotquinn_ema/ chapter0/custom1/deluxe-content.html - 4k - Cached - Similar pages

Profile Report [New Search]

[Back]

Individual Directors Report

 

MARCEL SULC

Nationality:BRITISH Birth Date:22/06/1962

Latest Address:110 MARINA ST. LEONARDS ON SEA EAST SUSSEX TN38 0BW

Live Directorships of Trading Companies:7Live Directorships of Dissolved

Companies:0

Live Directorships of Companies with Insolvency Proceedings:0Resigned

Directorships:10

Live Directorships of Trading Companies

Company Name:HONESTY (UK) LIMITED

Registered Number:03882754

Status:Not analysed

Account Date:-

Latest Turnover :-

Latest Pre-tax Profit :-

Latest Net Worth :-

Position:APPOINTMENT OF COMPANY DIRECTOR

Appointment Date:25/11/1999

Update Date:16/09/2002

Occupation:SECURITY CONSULTANT

Company Name:UPFRONT UK LIMITED

Registered Number:03883166

Status:Not analysed

Account Date:-

Latest Turnover :-

Latest Pre-tax Profit :-

Latest Net Worth :-

Position:APPOINTMENT OF COMPANY DIRECTOR

Appointment Date:01/07/2002

Update Date:26/09/2002

Occupation:PROPERTY DEVELOPER

Company Name:GRIM LIMITED

Registered Number:03883169

Status:Not analysed

Account Date:-

Latest Turnover :-

Latest Pre-tax Profit :-

Latest Net Worth :-

Position:APPOINTMENT OF COMPANY DIRECTOR

Appointment Date:01/04/2002

Update Date:26/09/2002

Occupation:PROPERTY DEVELOPER

Company Name:AMBASSADOR ESTATES (UK) LIMITED

Registered Number:04182997

Status:Not analysed

Account Date:-

Latest Turnover :-

Latest Pre-tax Profit :-

Latest Net Worth :-

Position:APPOINTMENT OF COMPANY DIRECTOR

Appointment Date:20/03/2001

Update Date:16/09/2002

Occupation:SECURITY CONSULTANT

Company Name:GRAB-IT LIMITED

Registered Number:04210337

Status:Not analysed

Account Date:-

Latest Turnover :-

Latest Pre-tax Profit :-

Latest Net Worth :-

Position:APPOINTMENT OF COMPANY DIRECTOR

Appointment Date:03/05/2001

Update Date:16/09/2002

Occupation:SECURITY CONSULTANT

Company Name:AMBASSADOR HOLDINGS (UK) LIMITED

Registered Number:04226149

Status:Not analysed

Account Date:-

Latest Turnover :-

Latest Pre-tax Profit :-

Latest Net Worth :-

Position:APPOINTMENT OF COMPANY DIRECTOR

Appointment Date:31/05/2001

Update Date:17/09/2002

Occupation:SECURITY CONSULTING

Company Name:PURE PROFIT LIMITED

Registered Number:04283184

Status:Not analysed

Account Date:-

Latest Turnover :-

Latest Pre-tax Profit :-

Latest Net Worth :-

Position:APPOINTMENT OF COMPANY DIRECTOR

Appointment Date:09/09/2001

Update Date:16/09/2002

Occupation:PROPERTY DEVELOPER

Resigned Directorships of Trading Companies

Company Name:UPFRONT UK LIMITED

Registered Number:03883166

Status:Not analysed

Account Date:-

Latest Turnover :-

Latest Pre-tax Profit :-

Latest Net Worth :-

Position:RESIGNATION OF COMPANY DIRECTOR

Resignation Date:30/06/2002

Update Date:31/07/2002

Occupation:SECURITY CONSULTANT

Company Name:DEADLY LIMITED

Registered Number:03883167

Status:Not analysed

Account Date:-

Latest Turnover :-

Latest Pre-tax Profit :-

Latest Net Worth :-

Position:RESIGNATION OF COMPANY DIRECTOR

Resignation Date:01/03/2002

Update Date:02/04/2002

Occupation:SECURITY CONSULTANT

Company Name:GRIM LIMITED

Registered Number:03883169

Status:Not analysed

Account Date:-

Latest Turnover :-

Latest Pre-tax Profit :-

Latest Net Worth :-

Position:RESIGNATION OF COMPANY DIRECTOR

Resignation Date:01/03/2002

Update Date:02/04/2002

Occupation:SECURITY CONSULTANT

Company Name:PROPERTY DIRECT (GB) LIMITED

Registered Number:03886178

Status:Not analysed

Account Date:-

Latest Turnover :-

Latest Pre-tax Profit :-

Latest Net Worth :-

Position:RESIGNATION OF COMPANY DIRECTOR

Resignation Date:30/04/2001

Update Date:21/05/2001

Occupation:SECURITY CONSULTANT

Company Name:PROPERTY DIRECT (GB) LIMITED

Registered Number:03886178

Status:Not analysed

Account Date:-

Latest Turnover :-

Latest Pre-tax Profit :-

Latest Net Worth :-

Position:RESIGNATION OF COMPANY DIRECTOR

Resignation Date:30/10/2001

Update Date:30/11/2001

Occupation:SECURITY CONSULTANT

Company Name:PROPERTY DIRECT (GB) LIMITED

Registered Number:03886178

Status:Not analysed

Account Date:-

Latest Turnover :-

Latest Pre-tax Profit :-

Latest Net Worth :-

Position:RESIGNATION OF COMPANY DIRECTOR

Resignation Date:01/03/2002

Update Date:02/04/2002

Occupation:SECURITY CONSULTANT

Company Name:AMBASSADOR SCAFFOLDING (UK) LTD

Registered Number:04139643

Status:Not analysed

Account Date:-

Latest Turnover :-

Latest Pre-tax Profit :-

Latest Net Worth :-

Position:RESIGNATION OF COMPANY DIRECTOR

Resignation Date:30/06/2002

Update Date:28/08/2002

Occupation:SECURITY CONSULTANT

Company Name:AMBASSADOR SCAFFOLDING (UK) LTD

Registered Number:04139643

Status:Not analysed

Account Date:-

Latest Turnover :-

Latest Pre-tax Profit :-

Latest Net Worth :-

Position:RESIGNATION OF COMPANY SECRETARY

Resignation Date:30/06/2002

Update Date:28/08/2002

Occupation:SECURITY CONSULTANT

Company Name:AMBASSADOR ESTATES (UK) LIMITED

Registered Number:04182997

Status:Not analysed

Account Date:-

Latest Turnover :-

Latest Pre-tax Profit :-

Latest Net Worth :-

Position:RESIGNATION OF COMPANY SECRETARY

Resignation Date:01/06/2001

Update Date:11/06/2001

Occupation:SECURITY CONSULTANT

Company Name:F.U. BIGOT LIMITED

Registered Number:04294188

Status:Not analysed

Account Date:-

Latest Turnover :-

Latest Pre-tax Profit :-

Latest Net Worth :-

Position:RESIGNATION OF COMPANY DIRECTOR

Resignation Date:10/06/2002

Update Date:25/06/2002

Occupation:SECURITY CONSULTANT

Report Generated: Oct 02, 2002

©2002 ICC Information Ltd

Information provided by © 2000 ICC Information Ltd

 

 

Following new address for thses companies Upfront, Honesty, Ambassador

Estates, Ambassador Holdings, Grim Ltd, Grab-It and Pure Profit

all registered at 11o Marina, St. Leonards. see attached report for Suls 02/10/02

 

Join 18 million Eudora users by signing up for a free Eudora Web-Mail

account at http://www.eudoramail.com

[New Search]
[Back]

Individual Directors Report


MARCEL SULC

Nationality:

BRITISH   

Birth Date:

22/06/1962

Latest Address:

110 MARINA ST. LEONARDS ON SEA EAST SUSSEX TN38 0BW

Live Directorships of Trading Companies:

7

Live Directorships of Dissolved Companies:

0

Live Directorships of Companies with Insolvency Proceedings:

0

Resigned Directorships:

10

 

 

 

 

Live Directorships of Trading Companies

Company Name:

HONESTY (UK) LIMITED

 

Registered Number:

03882754

 

Status:

Not analysed

 

Account Date:

-

 

Latest Turnover :

-

 

Latest Pre-tax Profit :

-

 

Latest Net Worth :

-

 

Position:

APPOINTMENT OF COMPANY DIRECTOR

 

Appointment Date:

25/11/1999

 

Update Date:

16/09/2002

 

Occupation:

SECURITY CONSULTANT

 

 

 

 

 

 

Company Name:

UPFRONT UK LIMITED

 

Registered Number:

03883166

 

Status:

Not analysed

 

Account Date:

-

 

Latest Turnover :

-

 

Latest Pre-tax Profit :

-

 

Latest Net Worth :

-

 

Position:

APPOINTMENT OF COMPANY DIRECTOR

 

Appointment Date:

01/07/2002

 

Update Date:

26/09/2002

 

Occupation:

PROPERTY DEVELOPER

 

 

 

 

 

 

Company Name:

GRIM LIMITED

 

Registered Number:

03883169

 

Status:

Not analysed

 

Account Date:

-

 

Latest Turnover :

-

 

Latest Pre-tax Profit :

-

 

Latest Net Worth :

-

 

Position:

APPOINTMENT OF COMPANY DIRECTOR

 

Appointment Date:

01/04/2002

 

Update Date:

26/09/2002

 

Occupation:

PROPERTY DEVELOPER

 

 

 

 

 

 

Company Name:

AMBASSADOR ESTATES (UK) LIMITED

 

Registered Number:

04182997

 

Status:

Not analysed

 

Account Date:

-

 

Latest Turnover :

-

 

Latest Pre-tax Profit :

-

 

Latest Net Worth :

-

 

Position:

APPOINTMENT OF COMPANY DIRECTOR

 

Appointment Date:

20/03/2001

 

Update Date:

16/09/2002

 

Occupation:

SECURITY CONSULTANT

 

 

 

 

 

 

Company Name:

GRAB-IT LIMITED

 

Registered Number:

04210337

 

Status:

Not analysed

 

Account Date:

-

 

Latest Turnover :

-

 

Latest Pre-tax Profit :

-

 

Latest Net Worth :

-

 

Position:

APPOINTMENT OF COMPANY DIRECTOR

 

Appointment Date:

03/05/2001

 

Update Date:

16/09/2002

 

Occupation:

SECURITY CONSULTANT

 

 

 

 

 

 

Company Name:

AMBASSADOR HOLDINGS (UK) LIMITED

 

Registered Number:

04226149

 

Status:

Not analysed

 

Account Date:

-

 

Latest Turnover :

-

 

Latest Pre-tax Profit :

-

 

Latest Net Worth :

-

 

Position:

APPOINTMENT OF COMPANY DIRECTOR

 

Appointment Date:

31/05/2001

 

Update Date:

17/09/2002

 

Occupation:

SECURITY CONSULTING

 

 

 

 

 

 

Company Name:

PURE PROFIT LIMITED

 

Registered Number:

04283184

 

Status:

Not analysed

 

Account Date:

-

 

Latest Turnover :

-

 

Latest Pre-tax Profit :

-

 

Latest Net Worth :

-

 

Position:

APPOINTMENT OF COMPANY DIRECTOR

 

Appointment Date:

09/09/2001

 

Update Date:

16/09/2002

 

Occupation:

PROPERTY DEVELOPER

 

 

 

 

 

 

Resigned Directorships of Trading Companies

Company Name:

UPFRONT UK LIMITED

 

Registered Number:

03883166

 

Status:

Not analysed

 

Account Date:

-

 

Latest Turnover :

-

 

Latest Pre-tax Profit :

-

 

Latest Net Worth :

-

 

Position:

RESIGNATION OF COMPANY DIRECTOR

 

Resignation Date:

30/06/2002

 

Update Date:

31/07/2002

 

Occupation:

SECURITY CONSULTANT

 

 

 

 

 

 

Company Name:

DEADLY LIMITED

 

Registered Number:

03883167

 

Status:

Not analysed

 

Account Date:

-

 

Latest Turnover :

-

 

Latest Pre-tax Profit :

-

 

Latest Net Worth :

-

 

Position:

RESIGNATION OF COMPANY DIRECTOR

 

Resignation Date:

01/03/2002

 

Update Date:

02/04/2002

 

Occupation:

SECURITY CONSULTANT

 

 

 

 

 

 

Company Name:

GRIM LIMITED

 

Registered Number:

03883169

 

Status:

Not analysed

 

Account Date:

-

 

Latest Turnover :

-

 

Latest Pre-tax Profit :

-

 

Latest Net Worth :

-

 

Position:

RESIGNATION OF COMPANY DIRECTOR

 

Resignation Date:

01/03/2002

 

Update Date:

02/04/2002

 

Occupation:

SECURITY CONSULTANT

 

 

 

 

 

 

Company Name:

PROPERTY DIRECT (GB) LIMITED

 

Registered Number:

03886178

 

Status:

Not analysed

 

Account Date:

-

 

Latest Turnover :

-

 

Latest Pre-tax Profit :

-

 

Latest Net Worth :

-

 

Position:

RESIGNATION OF COMPANY DIRECTOR

 

Resignation Date:

30/04/2001

 

Update Date:

21/05/2001

 

Occupation:

SECURITY CONSULTANT

 

 

 

 

 

 

Company Name:

PROPERTY DIRECT (GB) LIMITED

 

Registered Number:

03886178

 

Status:

Not analysed

 

Account Date:

-

 

Latest Turnover :

-

 

Latest Pre-tax Profit :

-

 

Latest Net Worth :

-

 

Position:

RESIGNATION OF COMPANY DIRECTOR

 

Resignation Date:

30/10/2001

 

Update Date:

30/11/2001

 

Occupation:

SECURITY CONSULTANT

 

 

 

 

 

 

Company Name:

PROPERTY DIRECT (GB) LIMITED

 

Registered Number:

03886178

 

Status:

Not analysed

 

Account Date:

-

 

Latest Turnover :

-

 

Latest Pre-tax Profit :

-

 

Latest Net Worth :

-

 

Position:

RESIGNATION OF COMPANY DIRECTOR

 

Resignation Date:

01/03/2002

 

Update Date:

02/04/2002

 

Occupation:

SECURITY CONSULTANT

 

 

 

 

 

 

Company Name:

AMBASSADOR SCAFFOLDING (UK) LTD

 

Registered Number:

04139643

 

Status:

Not analysed

 

Account Date:

-

 

Latest Turnover :

-

 

Latest Pre-tax Profit :

-

 

Latest Net Worth :

-

 

Position:

RESIGNATION OF COMPANY DIRECTOR

 

Resignation Date:

30/06/2002

 

Update Date:

28/08/2002

 

Occupation:

SECURITY CONSULTANT

 

 

 

 

 

 

Company Name:

AMBASSADOR SCAFFOLDING (UK) LTD

 

Registered Number:

04139643

 

Status:

Not analysed

 

Account Date:

-

 

Latest Turnover :

-

 

Latest Pre-tax Profit :

-

 

Latest Net Worth :

-

 

Position:

RESIGNATION OF COMPANY SECRETARY

 

Resignation Date:

30/06/2002

 

Update Date:

28/08/2002

 

Occupation:

SECURITY CONSULTANT

 

 

 

 

 

 

Company Name:

AMBASSADOR ESTATES (UK) LIMITED

 

Registered Number:

04182997

 

Status:

Not analysed

 

Account Date:

-

 

Latest Turnover :

-

 

Latest Pre-tax Profit :

-

 

Latest Net Worth :

-

 

Position:

RESIGNATION OF COMPANY SECRETARY

 

Resignation Date:

01/06/2001

 

Update Date:

11/06/2001

 

Occupation:

SECURITY CONSULTANT

 

 

 

 

 

 

Company Name:

F.U. BIGOT LIMITED

 

Registered Number:

04294188

 

Status:

Not analysed

 

Account Date:

-

 

Latest Turnover :

-

 

Latest Pre-tax Profit :

-

 

Latest Net Worth :

-

 

Position:

RESIGNATION OF COMPANY DIRECTOR

 

Resignation Date:

10/06/2002

 

Update Date:

25/06/2002

 

Occupation:

SECURITY CONSULTANT

 

 

 

 

 

 

Report Generated: Oct 02, 2002

©2002 ICC Information Ltd

Sample Reports | Company Information Zone | New Search
-->Information provided by © 2000 ICC Information Ltd

 

 

Michael Oliver
... Mortgage Fraud: 'false instrument' and 'use': Rv Warneford ... decision, Rv Donnelly,
by reference to House of Lords ... News 1994 (CA)] (He argued the Rv Preddy ...
www.hardwicke.co.uk/cvs/cv_MOliv.htm - 4k - Cached - Similar pages

House of Commons Hansard Debates for 23 Jul 1999 (pt 6)
... in the Grant v. Borg case, which involved overstaying immigrants; after the House
of Lords judgment in the Regina v. Preddy case, which involved mortgage fraud ...
www.parliament.the-stationery-office.co.uk/pa/cm199899/ cmhansrd/vo990723/debtext/90723-06.htm - 15k - Cached - Similar pages

[PDF]Dishonestly Procuring Valuable Benefits (Report 51)
File Format: PDF/Adobe Acrobat - View as HTML
Your browser may not have a PDF reader available. Google recommends visiting our
text version of this document.
... to do away with subtle distinctions between larceny and fraud. ... court (Thomas J dissenting)
accepted the analysis of the House of Lords in Rv Preddy ...
www.lawcom.govt.nz/documents/publications/R51.pdf - Similar pages

  

[PDF]ESPRIT Project 27028
File Format: PDF/Adobe Acrobat - View as HTML
Your browser may not have a PDF reader available. Google recommends visiting our
text version of this document.
... to constantly update the technology to pre- vent fraud ... However, this development eventually
proved problematic in the House of Lords case of Preddy ...
www.eclip.org/documents/ deliverable_2_1_6_bis_payments.pdf - Similar pages

CRIMINAL LAW (LA10520) (Resit Candidates)
... the Theft (Amendment) Act 1996, offences of mortgage fraud ... the problems created by
the decisions in Rv Preddy ... Discuss the impact that the House of Lords ...
www.inf.aber.ac.uk/pastpapers/law/exam98/ semester2/level1/la10520.html - 10k - Cached - Similar pages

 

Lamb Building - Criminal fraud barristers
... Credit card and chequebook conspiracies. Reported in Preddy 1996 AC 815 HL
(fraud). Lewis Power. Call 1990. Experienced junior criminal counsel. ...
www.lambbldg.co.uk/fraudcr.html - 7k - Cached - Similar pages

The Law Commission for England and Wales
... This "sum of money" was purely notional: as Preddy makes clear, the transferee does ... The
Serious Fraud Office, for example, wrote: In the end, we have to agree ...
www.lawcom.gov.uk/library/lc243/part4.htm - 12k - Cached - Similar pages

Recent Developments in Criminal Fraud CPD129
... The spate of recent cases resulting from the loophole created by the landmark
Rv Preddy is covered, as are the growing number of cases dealing with fraud ...
www.cpd-direct.com/CPD129.html - 6k - Cached - Similar pages

Legal Cases of Interest to Police Officers and Law Students.
... Fraud: Property does not pass in bank transfer; which Sections of the Theft Act
1968 are effective. (1996) The Times, July 11 House of Lords. Regina v Preddy, ...
ourworld.cs.com/RJer340036/law/cases/preddy.htm - 12k - Cached - Similar pages

Paper of fraud & deception
LAW COMMISSION. FRAUD & DECEPTION Consultation Paper No 155. Response of the North ... of
property by deception would cover possible future problems of the Preddy ...
www.ne-circuit.org/docs/law_commission.htm - 11k - Cached - Similar pages

[RTF]http://webjcli.ncl.ac.uk/1997/issue2/clements2.html [1997] 2 Web ...
File Format: Rich Text Format - View as HTML
... not brave enough to attempt this and preferred instead the alternative suggested
path of charging a section 15 offence in relation to mortgage fraud. Preddy ...
webjcli.ncl.ac.uk/1997/issue2/rtf/clement2.rtf - Similar pages

... There is a huge litany of possible offences to choose from in a fraud case, none
of ... of a charge under Section 15 of the Theft Act - that was the case in Preddy ...
www.isrcl.org/Papers/wright.pdf - Similar pages

THE FUTURE OF FRAUD CONTROL Matthew Goode Managing Solicitor, Policy and Legislation
Section, Attorney-General's Department, SA Paper presented at the Fraud ...
www.aic.gov.au/conferences/fraud/goode.pdf - Similar pages

... by the Acts are well documented, and are illustrated by cases such as R v. Preddy ... if
not all of the lacunae presently to be found in the criminal law of fraud ...
www.fraudadvisorypanel.org/pdf/FraudDeception.pdf - Similar pages

... Our discussion in Part II of Preddy and financial markets indicated that there is ... More
generally, the criminality of fraud in such markets should not depend on ...
www.lawcom.gov.uk/library/lccp155/cp155sum.pdf - Similar pages
[
More results from www.lawcom.gov.uk ]

ENGLAND AND WALES
... An examination of the law of fraud - its comprehensibility to juries; its effectiveness ... of
dishonesty exposed by the decision of the House of Lords in Preddy ...
www.parliament.vic.gov.au/lawreform/ CLRC/Eng_&_Wales_LRC.htm - 10k - Cached - Similar pages

[PDF]Computer Crime
File Format: PDF/Adobe Acrobat - View as HTML
Your browser may not have a PDF reader available. Google recommends visiting our
text version of this document.
... 8 Rv Preddy [1996] 3 All ER 481. ... The court decided that the passwords sent to a computer
could not be considered forgeries since, in the same manner as fraud ...
www.internetrights.org.uk/briefings/irtb08.pdf - Similar pages

Hardwicke Crime - Michael Oliver
... Mortgage Fraud: 'false instrument' and 'use': Rv Warneford & gibbs [1994] Crim LR
753 ... to another': Rv Pyman [Archbold News 1994 (CA)] (He argued the Rv Preddy ...
www.hardwickecrime.co.uk/members/mo.htm - 4k - Cached - Similar pages

 

this document.
... Although these new offences remedy the problem exposed by Preddy, it is clear ... Crim
LR 564 14 Consultation Paper No 155, Legislating the Criminal Code: FRAUD ...
www.eclip.org/documents/ deliverable_2_1_6_bis_payments.pdf - Similar pages

The United Kingdom Parliament
... Law Commission paper also shows very well that a particular action, such as that
with which your Lordships were concerned in Preddy, a case of mortgage fraud, ...
www.parliament.the-stationery-office.co.uk/pa/ ld199697/ldhansrd/vo961114/text/61114-13.htm - 57k - Cached - Similar pages

... Finally all issuers need to constantly update the technology to prevent fraud and ... Although
these new offences remedy the problem exposed by Preddy, it is clear ...
europa.eu.int/ISPO/legal/en/lab/991216/payments.doc - Similar pages

JILT: Property Offences into the 21st Century
... Technology 3. Quin F (1996) 'Preddy - Issues for New Zealand's Law
of Theft and Fraud', New Zealand Law Journal 459. Salt M and ...
elj.warwick.ac.uk/jilt/99-1/lipton.html - 76k - Cached - Similar pages

Ivan Krolick (Lamb Building)
... Act 1998, Fraud) Kumar v AGF Insurance Ltd [Queen's Bench Division] [1999] 1 WLR
1747 (Insurance, Liability insurance, professional indemnity) Rv Preddy [House ...
www.lambbldg.co.uk/members/ik.html - 4k - Cached
[
More results from www.lambbldg.co.uk ]

 

[PPT]Criminal Law 1999-2000
File Format: Microsoft Powerpoint 97 - View as HTML
... but consider Preddy - mortgage fraud - D does not 'obtain' V's thing in action
but extinguishes it and a new one is created - Theft Act 1996 creates: ...
www.ukc.ac.uk/law/sample/criminal/deception2.ppt - Similar pages

CRIMINAL LAW: Theft
... But the majority judgments do not differentiate between cases of consent induced
by fraud ... Preddy [1996] 3 All ER 481 (HL). Theft (Amendment) Act 1996. Hilton[1997 ...
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 Law Commission Report 243

THE LAW COMMISSION MAKES VERY IMPORTANT PROPOSALS TO REMEDY SERIOUS DEFECTS IN THE LAW OF DISHONESTY

The decision of the House of Lords in Preddy on 14 July 1996 has exposed major gaps in the law of dishonesty. In our report Offences of Dishonesty: Money Transfers we propose changes to remedy these defects which will facilitate the prosecution of fraudsters, especially mortgage fraudsters.

THE PROBLEM OF PROSECUTING SOMEONE WHO DISHONESTLY OBTAINS MONEY TRANSFERS

Prosecutors have traditionally charged those who commit mortgage and other frauds based on dishonestly obtaining money transfers with dishonestly obtaining property by deception contrary to section 15(1) of the Theft Act 1968. In Preddy, the House of Lords allowed the appeal of those alleged to have committed mortgage frauds, because they held that the borrowers, the alleged mortgage fraudsters, had not gained "property belonging to another" as required by section 15. This meant that it has become very difficult to prosecute mortgage fraudsters or anybody who obtains money dishonestly by any means other than cash payment.

We therefore proposed a new offence of obtaining a money transfer by deception, which was implemented by section 1 of the Theft (Amendment) Act 1996. A money transfer occurs where there is a debit to one account and a credit to another, and where the one results from the other. It is immaterial that the credit is for a different sum than the debit, that the money transfer is effected on presentation of a cheque or by some other method, whether any delay occurs in the process by which the money transfer is effected or whether either of the accounts is overdrawn before or after the money transfer is effected. We believe that this new offence would adequately deal with problems of prosecuting people who obtain any form of money transfer by deception.

THE PROBLEM OF PROSECUTING THOSE WHO RETAIN A CREDIT TO A BANK ACCOUNT OBTAINED FROM A DISHONEST SOURCE

Another associated problem was that before Preddy, it had been generally assumed that a credit balance resulting from an inter-account transfer procured by deception was stolen goods: the reason was that it was obtained in breach of section 15(1). Now we know, as a result of Preddy, that as moneys obtained by bank transfers are not obtained in the circumstances described in section 15, they are probably not stolen goods and subsequent dealings with them fall outside the handling provision in the Theft Act 1968. This might make it difficult to prosecute handlers who received money originally obtained by deception.

A third problem is that before Preddy, it had been held and regarded as the law that a person who dishonestly accepts the transfer of stolen funds from another's account into his account is "receiving stolen goods". This reasoning assumes that the funds received by the transferee are the same funds that, before the transfer, were in the account of the transferor; but according to Preddy, this is not so. They are different funds and this causes problems in prosecution for handling.

We therefore recommended that there should be a new offence of retaining credits from dishonest sources, which was implemented by section 1 of the Theft (Amendment) Act 1996.. This offence would require a wrongful credit being made to an account kept by the defendant or in respect of which he has any right or interest, his knowledge or belief that the credit was wrongful, and a dishonest failure on his part to take such steps as are reasonable in the circumstances to secure that the credit was cancelled. A credit would be regarded as wrongful to the extent that it derives from theft, blackmail, stolen goods, or our new offence of obtaining a transfer by deception.

We considered whether these offences should be retrospective, but came to the conclusion that that was not easible

===================================================================

 

 Theft, Mortgage Fraud and the Age of Technology

L.M. Clements, BA, LLM

Lecturer in Law

University of Hull

<L.M.Clements@law.hull.ac.uk>

Copyright © 1997 L.M. Clements.
First Published in Web Journal of Current Legal Issues in association with Blackstone Press Ltd.


Summary

The purpose of this Article is to explore the problems associated with mortgage fraud and related matters following the decisions in R v Halai and R v Preddy, R v Slade and R v Dhillon, particularly in the context of modern technology and banking. This Article examines the reaction of the Law Commission to this problematic area, the response of the legislature in the recent Theft ( Amendment ) Act, 1996 and the likely effect that this Act will have in certain situations in the future.


 

http://www.lawcom.gov.uk/library/library.htmLibraryhttp://www.lawcom.gov.uk/library/library.htm

http://www.lawcom.gov.uk/library/menu_reports.htmReportshttp://www.lawcom.gov.uk/library/menu_reports.htm

http://www.lawcom.gov.uk/misc/forum.htmDiscussion Forumhttp://www.lawcom.gov.uk/misc/forum.htm

mailto:secretary.lawcomm@gtnet.gov.ukEmail usmailto:secretary.lawcomm@gtnet.gov.uk


Offences of Dishonesty: Money Transfers

CONTENTS

PART I: INTRODUCTION

 

The problem

1.3

The procedure adopted by us for this project

1.11

The consultation process

1.14

Our recommendations

1.15


PART II: THE LACUNA IN THE LAW OF DECEPTION EXPOSED BY PREDDY

Section 15 of the Theft Act 1968

2.1

Preddy and Slade; Dhillon

 

 

The facts

2.3

 

The certified questions

2.5

 

 

The first question

2.7

 

 

The second question

2.11

 

 

The third question

2.12

The lacuna in the applicability of section 15 exposed by Preddyand the relationship between Preddy and Halai

2.13


PART III: THE DIFFICULTY IN FILLING THE LACUNA UNDER THE PRESENT LAW

Alternative offences under section 15 of the 1968 Act

 

 

 

Obtaining "other intangible property"

3.4

 

 

Obtaining a cheque qua chose in action

3.5

 

 

Obtaining a cheque qua cheque form

3.6

Possible alternative offences under other provisions of the Theft Acts

 

 

Theft

3.12

 

 

Theft by extinction of the victims chose in action

3.13

 

 

Theft of the funds obtained

3.16

 

False accounting

3.24

 

Procuring the execution of a valuable security by deception

3.28

 

Evasion of liability by deception

3.35

Conspiracy to defraud

3.38

Other offences under the Theft Acts

 

 

Obtaining a pecuniary advantage by deception

3.41

 

Obtaining services by deception

3.46

Conclusion

3.52


PART IV: FILLING THE LACUNA BY EXTENDING THE EXISTING OFFENCES

"Property"

4.2

Extension of the section 15 offence

4.6


PART V: THE NEW OFFENCE OF OBTAINING A MONEY TRANSFER BY DECEPTION

The elements of the new offence

5.2

 

The accounts debited and credited

5.3

 

The connection between the debit and the credit

5.9

 

Overdrafts

5.11

 

Cheque payments

 

 

5.12

Territorial jurisdiction

5.16

Sentence

5.20

Retrospective effect

5.22

 

The presumption of legislative intention

5.23

 

"Technical" changes to the law

5.24

 

The European Convention on Human Rights

5.26

 

Conclusion

 

 

5.35


PART VI: PREDDY AND THE LAW OF HANDLING STOLEN GOODS

The nature of the problem

6.1

The need for a new offence

6.8

The definition of the new offence

 

 

Receipt and retention

6.10

 

The initial dishonest credit

6.13

 

Stolen goods

6.19

 

Examples

6.20

Territorial jurisdiction

6.21

Sentence

6.22

Retrospective effect

6.23

 

 

 

Mortgage Fraud: Property does not pass in bank transfer; which Sections of the Theft Act 1968 are effective

(1996) The Times, July 11 House of Lords

Regina v Preddy, Slade, & Dhillon

(Conjoined appeals)

THE LAW

"S.15(2) . . . a person is to be treated as obtaining property if he obtains ownership, possession or control of it, and 'obtain' includes obtaining for another or enabling another to obtain or retain. . ."

THE FACTS

LORD GOFF said that the cases concerned mortgage frauds. Preddy Slade & Dhillon had applied to building societies or other lending institutions for advances to be secured by mortgages. In each case, the mortgage application or accompanying documents had contained one or more statements known by the appellant to be false.

Some applications had been refused, in which event the appellant had been charged with an attempt. In the case of Preddy and Slade, the advances had totalled more than 1,000,000.

S.15(1) of the 1968 Act replaced obtaining by false pretences con contrary to S.32(1) of the Larceny Act 1916. The question was whether the debiting of a bank account and the corresponding crediting of another brought about by dishonest misrepresentation amounted to the obtaining of property within S.15.

The sums had been paid sometimes by cheque, sometimes by telegraphic transfer and sometimes by CHAPS (clearing house automated payment system) involving electronic transfer as between banks. No distinction needed to be drawn between telegraphic and electronic transfer.

S.4(1) 1968 provided that property included money and all other property, real or personal, including things in action and other intangible property. The Court of Appeal had held that an electronic transfer was intangible property.

It had identified the sums the subject of the relevant charges as being sums standing to the credit of the lending institution in its bank account. Those credit entries would, in his Lordship's opinion, represent debts owing by the bank to the lending institution constituting choses in action belonging to the lending institution and as such falling within the definition of "property" in section 4(1).

His Lordship's belief was, however, that identifying the sum as property did not advance the argument very far. The crucial question was whether the defendant had obtained, or attempted to obtain property belonging to another.

The question was whether the debiting of the lending institution's bank account and the corresponding crediting of the bank account of the defendant or his solicitor constituted the obtaining of the chose in action belonging to the lending institution.

The difficulty in the way of that conclusion was that, when the bank account of the defendant, or his solicitor, was credited, he did not obtain the lending institution's chose in action. On the contrary, that chose in action was extinguished or reduced pro tanto and a chose in action was brought into existence representing a debt in an equivalent sum owed by a different bank to the defendant or his solicitor.

In those circumstances, it was difficult to see how the defendant thereby obtained property belonging to another, that was, to the lending institution.

If the bank accounts of the lending institution and the defendant, or his solicitor, were not sufficiently in credit to allow for choses in action to be extinguished and created further problems arose.

Where the payment was made by cheque, the chose in action represented by the cheque came into existence when the cheque was obtained by the payee from the drawer and so never belonged to the drawer. When it came into existence it belonged to the payee, and so there could be no question of his having obtained by deception property belonging to another: see R v Danger (1857) 7 Cox CC 303). R v Duru [1974] 1 WLR 2) and R v Mitchell [1993] Crim L R 788 had to that extent been wrongly decided.

S.15(1) was as inapt in the case where the money was transferred to a solicitor as it was where it was transferred direct to the mortgagor who had perpetrated the deception.

THE DECISION

Where a payment was made between two bank accounts telegraphically, electronically or by cheque no identifiable property passed from the payer to the payee and, accordingly, the payee could not be guilty of dishonestly obtaining or attempting to obtain property belonging to another within the meaning of S.15(1) of the Theft Act 1968.

The House of Lords allowed appeals by Preddy, Slade and Dhillon from the Court of Appeal [1995] Crim L R 564 who had dismissed their appeals against convictions on counts under S.15(1).

COMMENT

This Lords ruling is a bombshell in the fight against mortgage fraud; by holding that such frauds do not amount to "obtaining property by deception. The ruling could prompt appeals by scores of persons convicted under S.15. which seems to have been the chief means of combating mortgage fraud in the past three years

Unless the law moves fast this will provide a loophole in the law" through which mortgage defendants can escape.

Prosecuting authorities will no longer be able to use S.15 of the Theft Act to prosecute mortgage cheats. The crux of the ruling given was that when money is passed between bank accounts there is no identifiable property involved, so it cannot amount to an attempt to obtain property dishonestly from another.

"Professor Sir John Smith, in his commentary on the subject, said at [1995] Crim LR 564, 565-566), 'Effectively, the victim's property has been changed into another form and now belongs to the defendant. There is the gain and equivalent loss which is characteristic of, and perhaps the substance of, obtaining.'

"But even if this were right, I do not for myself see how this can properly be described as obtaining property belonging to another. In truth the property which the defendant has obtained is the new chose in action constituted by the debt now owed to him by his bank, and represented by the credit entry in his own bank account.

"This did not come into existence until the debt so created was owed to him by his bank, and so never belonged to anyone else. True, it corresponded to the debt entered in the lending institution's bank account; but it does not follow that the property which the defendant acquired can be identified with the property which the lending institution lost when its account was debited.

"In truth, S.15(1) is here being invoked for a purpose for which it was never designed, and for which it does not legislate."

The selection of appropriate charges has caused considerable difficulties in recent case involving fraudulent mortgage applications, primarily because of problems in identifying what exactly is obtained in a successful application, see O'Connell (1991) 94 Cr. App. R 39, King [1992] QB 20, Bolton (1991) 94 Cr. App. R 74, Dhillon [1992] Crim L R 889, Manjdadria [1993] Crim L R 73 and Johl [1994] Crim L R 552.

Blackstone's Criminal Practice (1995) points out at page 289 that in the past prosecuting Authorities have relied on a charge of conspiracy to defraud at common law, this obviates the need for proving if any substantive offence has been committed. This is of course assuming a conspiracy can be proved.

Depending upon the type of arrangements a safer charge may be procuring the execution of a valuable security contrary to S.20(2) Theft Act 1968 or Obtaining Services by Deception, S.1 Theft Act 1978, see Halia [1983] Crim L R 624 and Teong Sun Chuah [1991 Crim L R 463.

It is already being predicted that a spate of appeals will follow, (see Hawkins below)

Mortgage Lenders and others will be pressing for legislation at the earliest opportunity to close this loophole."

The Law Commission, recently published a report recommending a change in the law which would remedy the defect exposed in the law Lords' ruling. A short draft Theft (Amendment) Bill accompanied it. Clearly this matter is urgent.

The Crown Prosecution Service said it prosecuted between 300 and 350 a year for fraud, roughly 50 of which were mortgage fraud. It is estimated that last year there was 9 million worth of mortgage fraud, each case involving more than 100,000.

Future Hope may lie partly in S.17 1968, see (1996) The Times 6 August R v Hawkins (Paul) in which a self-confessed mortgage fraudster failed in an application for a seven-month extension of time to apply for leave to appeal out of time against conviction after the House of Lords, in another case, had decided that counts under S.15(1) of the Theft Act 1968 to which he had pleaded guilty had been invoked for a purpose for which it was never designed.

The Court of Appeal, refused an application by Hawkins, from conviction at Crown Court after pleas of guilty to five counts of obtaining property by deception, contrary to S.15(1) of the 1968 Act, two counts of attempting to obtain property by deception, contrary to S.17(1)(b) of the 1968 Act and one count of attempting to obtain property by deception, contrary to S.1(1) of the Criminal Attempts Act 1981.

He was sentenced to two years imprisonment concurrent on each count.

On appeal sentences of 18 months concurrent were substituted.

S.17 of the 1968 Act provides: "(1) Where a person dishonestly, with a view to gain for himself or another or with intent to cause loss to another . . . (b) in furnishing information for any purpose produced or makes use of any account, or any such record of document as aforesaid, which to his knowledge is or may be misleading, false or deceptive in a material particular . . . shall . . . be liable to imprisonment.

 MARCEL SULC

Nationality:BRITISH Birth Date:22/06/1962

Latest Address:110 MARINA ST. LEONARDS ON SEA EAST SUSSEX TN38 0BW

Live Directorships of Trading Companies:7Live Directorships of Dissolved

Companies:0

Live Directorships of Companies with Insolvency Proceedings:0Resigned

Directorships:10

Live Directorships of Trading Companies

Company Name:HONESTY (UK) LIMITED

Registered Number:03882754

Status:Not analysed

Account Date:-

Latest Turnover :-

Latest Pre-tax Profit :-

Latest Net Worth :-

Position:APPOINTMENT OF COMPANY DIRECTOR

Appointment Date:25/11/1999

Update Date:16/09/2002

Occupation:SECURITY CONSULTANT

Company Name:UPFRONT UK LIMITED

Registered Number:03883166

Status:Not analysed

Account Date:-

Latest Turnover :-

Latest Pre-tax Profit :-

Latest Net Worth :-

Position:APPOINTMENT OF COMPANY DIRECTOR

Appointment Date:01/07/2002

Update Date:26/09/2002

Occupation:PROPERTY DEVELOPER

Company Name:GRIM LIMITED

Registered Number:03883169

Status:Not analysed

Account Date:-

Latest Turnover :-

Latest Pre-tax Profit :-

Latest Net Worth :-

Position:APPOINTMENT OF COMPANY DIRECTOR

Appointment Date:01/04/2002

Update Date:26/09/2002

Occupation:PROPERTY DEVELOPER

Company Name:AMBASSADOR ESTATES (UK) LIMITED

Registered Number:04182997

Status:Not analysed

Account Date:-

Latest Turnover :-

Latest Pre-tax Profit :-

Latest Net Worth :-

Position:APPOINTMENT OF COMPANY DIRECTOR

Appointment Date:20/03/2001

Update Date:16/09/2002

Occupation:SECURITY CONSULTANT

Company Name:GRAB-IT LIMITED

Registered Number:04210337

Status:Not analysed

Account Date:-

Latest Turnover :-

Latest Pre-tax Profit :-

Latest Net Worth :-

Position:APPOINTMENT OF COMPANY DIRECTOR

Appointment Date:03/05/2001

Update Date:16/09/2002

Occupation:SECURITY CONSULTANT

Company Name:AMBASSADOR HOLDINGS (UK) LIMITED

Registered Number:04226149

Status:Not analysed

Account Date:-

Latest Turnover :-

Latest Pre-tax Profit :-

Latest Net Worth :-

Position:APPOINTMENT OF COMPANY DIRECTOR

Appointment Date:31/05/2001

Update Date:17/09/2002

Occupation:SECURITY CONSULTING

Company Name:PURE PROFIT LIMITED

Registered Number:04283184

Status:Not analysed

Account Date:-

Latest Turnover :-

Latest Pre-tax Profit :-

Latest Net Worth :-

Position:APPOINTMENT OF COMPANY DIRECTOR

Appointment Date:09/09/2001

Update Date:16/09/2002

Occupation:PROPERTY DEVELOPER

Resigned Directorships of Trading Companies

Company Name:UPFRONT UK LIMITED

Registered Number:03883166

Status:Not analysed

Account Date:-

Latest Turnover :-

Latest Pre-tax Profit :-

Latest Net Worth :-

Position:RESIGNATION OF COMPANY DIRECTOR

Resignation Date:30/06/2002

Update Date:31/07/2002

Occupation:SECURITY CONSULTANT

Company Name:DEADLY LIMITED

Registered Number:03883167

Status:Not analysed

Account Date:-

Latest Turnover :-

Latest Pre-tax Profit :-

Latest Net Worth :-

Position:RESIGNATION OF COMPANY DIRECTOR

Resignation Date:01/03/2002

Update Date:02/04/2002

Occupation:SECURITY CONSULTANT

Company Name:GRIM LIMITED

Registered Number:03883169

Status:Not analysed

Account Date:-

Latest Turnover :-

Latest Pre-tax Profit :-

Latest Net Worth :-

Position:RESIGNATION OF COMPANY DIRECTOR

Resignation Date:01/03/2002

Update Date:02/04/2002

Occupation:SECURITY CONSULTANT

Company Name:PROPERTY DIRECT (GB) LIMITED

Registered Number:03886178

Status:Not analysed

Account Date:-

Latest Turnover :-

Latest Pre-tax Profit :-

Latest Net Worth :-

Position:RESIGNATION OF COMPANY DIRECTOR

Resignation Date:30/04/2001

Update Date:21/05/2001

Occupation:SECURITY CONSULTANT

Company Name:PROPERTY DIRECT (GB) LIMITED

Registered Number:03886178

Status:Not analysed

Account Date:-

Latest Turnover :-

Latest Pre-tax Profit :-

Latest Net Worth :-

Position:RESIGNATION OF COMPANY DIRECTOR

Resignation Date:30/10/2001

Update Date:30/11/2001

Occupation:SECURITY CONSULTANT

Company Name:PROPERTY DIRECT (GB) LIMITED

Registered Number:03886178

Status:Not analysed

Account Date:-

Latest Turnover :-

Latest Pre-tax Profit :-

Latest Net Worth :-

Position:RESIGNATION OF COMPANY DIRECTOR

Resignation Date:01/03/2002

Update Date:02/04/2002

Occupation:SECURITY CONSULTANT

Company Name:AMBASSADOR SCAFFOLDING (UK) LTD

Registered Number:04139643

Status:Not analysed

Account Date:-

Latest Turnover :-

Latest Pre-tax Profit :-

Latest Net Worth :-

Position:RESIGNATION OF COMPANY DIRECTOR

Resignation Date:30/06/2002

Update Date:28/08/2002

Occupation:SECURITY CONSULTANT

Company Name:AMBASSADOR SCAFFOLDING (UK) LTD

Registered Number:04139643

Status:Not analysed

Account Date:-

Latest Turnover :-

Latest Pre-tax Profit :-

Latest Net Worth :-

Position:RESIGNATION OF COMPANY SECRETARY

Resignation Date:30/06/2002

Update Date:28/08/2002

Occupation:SECURITY CONSULTANT

Company Name:AMBASSADOR ESTATES (UK) LIMITED

Registered Number:04182997

Status:Not analysed

Account Date:-

Latest Turnover :-

Latest Pre-tax Profit :-

Latest Net Worth :-

Position:RESIGNATION OF COMPANY SECRETARY

Resignation Date:01/06/2001

Update Date:11/06/2001

Occupation:SECURITY CONSULTANT

Company Name:F.U. BIGOT LIMITED

Registered Number:04294188

Status:Not analysed

Account Date:-

Latest Turnover :-

Latest Pre-tax Profit :-

Latest Net Worth :-

Position:RESIGNATION OF COMPANY DIRECTOR

Resignation Date:10/06/2002

Update Date:25/06/2002

Occupation:SECURITY CONSULTANT

Report Generated: Oct 02, 2002

©2002 ICC Information Ltd

Information provided by © 2000 ICC Information Ltd

 

  Law Commission No 228, Conspiracy to Defraud (London: HC 11).

Law Commission No 243, Offences of Dishonesty: Money Transfers (London: HC 690) .

Griew, E (1995) The Theft Acts, 7th Edition, (London: Sweet and Maxwell).

Griew, E (1996) Archbold News, Issue 7, 15 August, 1996.

Mason, J (1996) "Lords ruling may hinder fight against fraud" Financial Times, 25 July.

Gibb, F (1996) "Fraud loophole worries officials" The Times, 10 September.

Newton, R (1996) "Bank vaults wide open to fraudsters" Sunday Telegraph,

 

 COMPANIES DEFRAUDED BY MARK SLADE

PLUS PERSONS LOOKING FOR THEIR MONEY.

BARCLAYCARD. 1.360.75

MUSIC INSTRUMENTS 760.50

FURNITURE VILLAGE 1.200.00

IDEAL HOMES 3023.00

AVCO TRUST 1025.34

SELFRIDGES GOLD 821.83

LOMBARD TRICITY FINANCE 1.185.00

CCJ GROUP PLC 2.848.00

WICKS 107.44

SEARS FINANCIAL 821.83

YORKSHIRE BANK 2.399.19

BARCLAYS BANK 3.357.29

T.S.I. FINANCIAL SERVICES 344.26

BRITANNIA MUSIC COM 69.24

KNOWN TOTAL 18.099.69

IT IS ESTIMATED TOTAL OF OVER 100.000.00 OR MORE FROM JUST THIS ONE CASE

THIS ONLY A SMALL AMOUNT OF MONEY OBTAINED BY FRAUD

Other stolen goods

BENEFICIAL BANK amount unknown

COMET VIDEO RECORDER

SEEBOARD COLOUR TV

SEEBOARD MICROWAVE

TIME RETAIL FINANCE

LIST OF OTHER DEFRAUDED PERSONS

VIKING DIRECT OFFICE PRODUCTS

TOLLWELL ROAD, LEICESTER LE4 1BR

1 ADDRESSED TO MR JS WOLWOWICZ, WITH RETURN ADDRESS PO BOX 258,

NORTHAMPTON NN4 0YP seen in envelope window 0345 20-49-76

1/7/96 ..1.. letter 0339 20 49 76

Next 2 MR J S WOLWOWICZ COULD BE CHEQUE BOOKS

RETURN ADDRESS UNIT 1, BILTON ROAD, MILTON KEYNES MK1 1HN

SEEN IN ENVELOPE WINDOW 4976 78100 Other 204976 78100.

6 JUNE 1996 3 LETTERS

1 TO JS WOLWOWICZ (4976) RETURN ADDRESS PO BOX 81,

NORTHAMPTON. MAY HOLD CARD?

1/7/76 1 letter.

2 JS WOLWOWICZ 0106 20-49-76 return address PO BOX 258 NORTHAMPTON

3 BT CHARGE CARD FOR MR J WOLWOLICZ

13/6/96

3 letters to Mr. JS Wolwowicz

1 CHEQUE BOOK RETURN ADDRESS PO BOX 114 LONDON E1 8HL.

13/6/96 alarm fitted plus SEEBOARD deliver electrical goods

19/6/96 2 LETTERS TO J S WOLWOWICZ RETURN ADDRESS PO BOX 230,

MARINER HOUSE, PEPYS STREET, LONDON EC3 4DA.

SALES DOCKET FROM KINGWAY SCOTLAND LTD

UNIT 10 SACKVILLE TRADING ESTATE HOVE BN10 7AN 01273 733555.

Note SPELLING OF NAME MAYBE MISTAKE???? J WOLWOWICZ WITH AN S

24/6/96 Letter to MR JERZY WOLWOWICZ FROM AVCO CARD SERVICES.

NATIONAL SALES CENTRE, SECOND BASE, BEACONTREE PLAZA

GILLETTE WAY, READING RG2 0BH 01734 310767.

1/7/96 1 LETTER - BARCLAYS PO BOX 355, WARRINGTON, CHESHIRE WA4 6XX

2 parcels delivery White Arrow and GPO.

2/7/96 LETTER RETURN ADDRESS PO BOX 1277, ONGAR, ESSEX CM5 9JW.

4/7/96 THE FIRST PERSONAL BANK PLC, P O BOX 700, LEEDS LS99 2BD.

Other post mark Kings Lynn franking PBPO 1279.

Next Cardiff 3006, 24-26 Newport Road, Cardiff, CF2 1SR.

5/7/96 Letters PO Box 333, Nottingham NG7 5LP.

PO Box 54 Northampton

First Personal PO Box 700 LEEDS.

Barclays Old Bank, High Street, LEWES

Concept PO Box 1, Caerphilly, Mid Glamorgan 01222 880568.

8/7/96 Letters

Cheque book? RETURN UNIT 1 BILTON ROAD, BLETCHLEY, MILTON

17/7/96 AVCO CARD READING 004233 00 1 20333.

HQ 1467

19/7/96 2 LETTERS FROM FRANKLIN MINT LTD DEPT, 1 SOUTH QUAY PLAZA,

LONDON E14 9WS.

PO BOX 9, MELTON, NORTH FERRIBY, HUMBERSIDE.

TIME RETAIL FINANCE, PO BOX, CLAYPIT LANE, LEEDS LS2 8TQ.

COMET 0113 247 1471

SEEBOARD 8/7/96 hit by Slade. SEEBOARD SALE LARGE AMOUNT OF GOODS.

HQ 1467

19/7/96 2 LETTERS FROM FRANKIN MINT LTD, CUSTOMER SERVICES DEPT,

1 SOUTH QUAY PLAZA, LONDON E14 9WS.

POB 9 MELTON NORTH FERRIBY HUMBERSIDE.

TIME RETAIL FINANCE, POB, CLAYPIT LANE, LEEDS LS2 8TQ. COMET

LOMBARD TRICITY FINANCE LTD, TRICITY HOUSE 284, SOUTHBURY ROAD,

ENFIELD, MIDDLESEX EN1 1HF. CITY CAMERA EXCHANGE HLGDS LTD.

20/7/96 2 SONY REG DEPT 17, LEICESTER ST, BEDWORTH, NUNEATON,

WARWICKSHIRE CV2 8JP.

LOMBARD TRICITY CONCEPT PAYMENT WANTED.

WORLD BOOKS FRO A MRS J ROWE, 1st Floor Flat 318, bill for books.

9 October LOMBARD TRICITY DEMAND FOR 1,185 FROM CONCEPT PO BOX 31,

Caerphilly, MID GLAMORGAN. FRAUD 0181 805 99 22.

10 October BT BILL FOR A MR M THOMAS 586413.

JS WOLWOWICZ BILL FROM SELFRIDGES GOLD 821.

11 Oct 1996 Mark Thomas income tax Day & Night Guards.

11 OCT YORKSHIRE BANK BILL FOR WOLWOWICZ 2,216.67. POB 9 Melton North

Ferriby, East Yorkshire NU14 3JA. 01482 63482 634006.

11 OCT TRANSAX, POB 885, EDGBASTON, BIRMINGHAM 01482 643006.

PO BOX 258, NORTHAMPTON NN4 0YP

UNIT 1, BILTON ROAD, MILTON KEYNES MK1 1HN.

PO BOX 81, NORTHAMPTON. PO BOX 114 LONDON E1 8HL

PO BOX 230, MARINER HOUSE, PEPYS STREET, LONDON EC3 4DA.

AVCO CARD SERVICES, NATIONAL SALES CENTRE, SECOND BASE, BEACONTREE

PLAZA, GILLETTE WAY, READING RG2 0BH 01734 310767.

BARCLAYS, PO BOX 355, WARRINGTON, CHESHIRE WA4 6XX

PO BOX 1277 ONGAR, ESSEX CM5 9JW. THE PERSONAL BANK PLC

PO Box 700, LEEDS LS99 2BD

0990 1434 44

PO Box 333, Nottingham NG7 5LP

PO Box 54, Northampton

First Personal, PO Box 700, LEEDS

Concept, PO Box 1, Caerphilly, Mid Glamorgan 01222 880568.

UNIT 1, BILTON ROAD, BLETCHLEY, MILTON KEYNES, MK1 1HN

KINGS MEADOW, CHESTER BUSINESS PARK, CHESTER CH99 9FB

PO BOX 9, GIBSON LANE, MELTON NORTH FERRIBY, HUMBERSIDE HU14 3JA

VANTAGE WEST, GREAT WEST ROAD, BRENTWOOD, MIDDLESEX TW8 9AG.

DROVERS OF CROYDON CUT PRICE FURNITURE.

JOHN LEWES PLC, 171 VICTORIA ST, LONDON SW1E 5NN

FIRST NATIONAL POSTED BRIGHTON

PO BOX 590 NAT WEST, SOUTHEND

PO BOX 9, GIBSON LANE, MELTON NORTH FERRIBY, NORTH HUMBERSIDE

LONDON FRANKED PBC 8112

PO BOX 1521, BIRMINGHAM B1 3PS

B B PIC PO BOX 822, BIRMINGHAM B37 7X2

PO BOX 1817, SOLIHULL B91 2BE, 78143 Our ref: P164/GJ ADAMS WALLIS

MISS SELFRIDGES WAREHOUSE SEEN THROUGH WINDOW SELFRIDGES GOLD ACCOUNT

6319 0748 5028 7127 SEARS CARD

LOMBARD TRICITY FINANCE LTD, TRICITY HOUSE 284, SOUTHBURY ROAD,

ENFIELD, MIDDLESEX EN1 1HF. CITY CAMERA HLDGS LTD.

From COATS VIYELLA FINANCIAL SERVICES LTD PO BOX 37, KINGS LYNN, NORFOLK

W BOOKS WOLWOWICZ Mrs. J ROWE 1ST FLOOR FLAT

SELFRIDGES GOLD PAT 0121 252 4839 has contacted Newhaven CID - got brush off 10/10/96 Roberts

YORKSHIRE BANK 11/10/

THIS LIST IS NOWHERE COMPLETE ONLY ONES WE HAVE TRACED

WE KNOW OF 2 OTHER CASES