MCO Capital loan

GeorgeEliot

Stephen English exists - but is he a Senior Statutory Auditor? Maybe someone who knows about these things can comment.

rsmtenon.com/Contact-Us/contacts/e/Stephen-English.aspx

Sorry about broken url - I'm still too new to post links. This one needs h t t p and w w w in front

grahamqat

Thanks George. converted it to a link as follows:

http://www.rsmtenon.com/Contact-Us/contacts/e/Stephen-English.aspx

Still curious why he didn't sign off the audited accounts. Might phone up and ask him tomorrow.

jahman

Just checking in. Some interesting input from Gomer et al I have to say. It's becoming increasingly apparent that these jokers should be closed down as a matter of urgency. What's not clear to me yet, though, is how to achieve that.

I've sent a private message to Jane Sanders saying that I'd be interested in joining an action on a no-win, no fee basis on my father's behalf to go after these people if that's possible. However, I'm reluctant to throw any of our money at the problem - any more at any rate than we've already thrown at it. I'm not sure if she has access to PMs at the moment though.

I understand that any solicitor undertaking no win, no fee work is taking a risk but the reward is a higher fee provided they're confident in their own ability to prove the case and recover the compensation, damages and fees from someone. We're probably not talking about massive winnings here which may render the whole exercise pointless. Perhaps Jane could give us an idea what's involved on the forum?

Cheers,

jahman

GomerPyle

This was the Danish proposal which I must admit is quite impressive

With the new law is it possible cancel all loans within 14 days after you take them.

Derefter har man 30 dage til at tilbagebetale pengene.

Then you have 30 days to repay the money.

Basically you get a 14 day cooling off period, so that if you change your mind within that period you then have 30 days to refund the loan without interest or charges being levied. How cool is that ?

Loan sharks become 'loan angels'. :rotfl:

They say

Now loan sharks taste their own medicine.

It seems that the legislation hasn't appeared on the current legislative list but the Danish Consumer Watchdog appears to have considerably more clout than ours does and isn't letting go of the issue.

I've got some more names to look at

Udgifterlan, Pengetrae and Snuplån will not speak with the press.

GomerPyle

jahman - letters/e-mails to your MP and the OFT would appear to be the first line of attack without expending money.

Bear in mind that there is also an MP planning to table a bill on the subject and it would be useful to mail her too. There is a website you can use to e-mail MP's and I've found it useful in the past as the website takes the trouble to discover how the MP dealt with your enquiry and records their performance.

It's clear that the whole organisation is purposefully ignoring the regulations and laws in many EU member countries to ply their trade, and there's no lack of evidence to prove it. I've found another article and Finland, Sweden and Denmark are all taking steps to limit their activities.

I'd be flabbergasted, and it would be an outrage, if their CCA licence weren't pulled forthwith. Allowing a company to trade illegally in the middle of a police and OFT investigation makes a mockery of the law - and it would be useful to make this clear to the OFT and MP's.

I'll be happy to send my own mails to them. If Robie comes back I'll try to get him to sign up to it too.

MoneySpender_2

Someone suggested to follow the money, so did some digging over at the Finnish and Estonian sites. With some help by Google translation and a Scandinavian friend, I think we managed to translate some more info of the "pikavippiä" ("SMS-loan" or "quick loan" in English) companies and persons, not just the numerous web sites. Maybe the following helps someone affected by all of this?

According to the Finnish YLE (National Broadcasting Company) show called "MOT" ("Mitä Ollisi Tutkittavaa" - "What Should Be Investigated" in English), premiered on August 28, 2010, three Finnish companies under investigation by the Finnish police are:

1. TEC Trust Equity Capital Oy (2109155-4)
2. FOC Capital Oy (2172664-4), owned by Estonian companies Eleventhmade OÜ, Twentyfourthmade OÜ and COF Capital OÜ (owned by Estonian companies Viljakainen Holding & Investment OÜ and Baltic Bid OÜ)
3. DVB Investment Oy (2284659-2)

All are suggested to be at least partly owned by Mr. Mäki (Tuomo Kari Kustaa). He is also personally under some sort of investigation by the police or perhaps already accused, apparently because of some breach of the company laws in Finland.

Other companies implied by the YLE MOT document to have connections to these companies, or according to a site called www DOT finder DOT fi, run by the same persons, in the same address etc (in no apparent order):

CC Rahoitus Oy
Peerdisk Oy
RTF Finance Oy (previously known as Twinno Oy and Easylaina), owned by Estonian companies Prossimo Investments OÜ, TCF Holding OÜ and RTF Finance OÜ (owned by Estonian company Bloom Capital Investments OÜ)
Mpoli Oy
F-Automaatit Oy
Basic Elements Oy
Independent Operations Oy
Carron Oy
Pence Suomi Oy
PDV Investment Oy
Kirkkonummen Aktiivikeskus Kiinteistö Oy
Codepoli Oy Ltd
HTCS Siivous Oy
Trivial Trade Oy
Uudenmaan Kiinteistösijoitus Oy
Streamfood Oy
Avafone Oy
Orapec Oy
EasyGas Control Oy
MVC Investment Oy
Covera Oy
Leadfilter Oy
Blue Steel Juice Oy
Putsclean Oy
DC Tieto Oy
No Brakes Oy / Erottajan Toimistopalvelut

Creditmarket Oy (owned by Creditmarket OÜ, owned by Novaator Invest OÜ) (we're not sure is this just a client of the following company, Flex Cash Oy)

Flex Cash Oy
Perintätoimisto Team Capital Oy

Persons named by www DOT finder DOT fi as responsible for these companies:

Mäki, Tuomo Kari Kustaa
Mäki, Lauri Janne Ilmari (apparently of Ernst & Young Oy)
Mäki, Timo Kustaa

Oranne, Teppo Tapani
Takanen, Petri Lennart
Girs, Nathalie Maria
Kuusisto, Sami Niklas
Viljakainen, Teppo Tuomas
Puolanne, Markku Antero
Rantanen, Anne Marjatta
Kankkunen, Taimi Marjatta

Havaste, Jukka Antero (apparently of Nexia Tilintarkastus Oy)

There could be others, of course, and these dug out might not have anything to do with the scams in the UK.

Address of the office of most companies:

Hiomotie 10 3.krs, 00380 HELSINKI

So, many Hills (the plural of the family name "Mäki" in English) and similar looking companies than in the other countries apparently affected by this scam!

Maybe someone more fluent in Finnish should directly contact the journalist, "toimittaja" in Finnish, Riikka Kaihovaara of YLE? Or the Finnish authorities?

Comments from the YLE site (in Finnish):

"Hitaita ovat hallituspuolueiden kiireet edes jonkunlaisen kontrollin aikaansaamisessa pikavippifirmojen toimintaan. Amerikkalainen taloustieteen nobelisti Paul Krugman rinnasti investointipankkiirien toiminnan pyramidihuijaukseen. Siinä huijattiin kansainvälisiä sijoittajia. Pikavippifirmat rahoittavat asiakkaittensa päihteiden käytön, huumeostot ja pelaamisen. Osan kaikkein heikoimmassa asemassa olevien toimeentulotuista, sairauspäivärahoista ja eläkkeistä kiertää pikavippiyritysten kautta. Kysymyksessä on vähintäänkin yhden lajin pyramidihuijauksesta. Kun huijaus kohdistuu niihin, jotka eivät kykene etujaan ajamaan, ei lainsäätäjillä ole juurikaan kiirettä.
Kyllä "pikavippiyrittäjät" tietävät itsekin, etteivät ole oikealla asiakka suomalaisessa yhteiskunnassa, kun julkisuudelta halutaan kätkeytyä kaikin keinoin. Miten on mahdollista, että PRH:n rekisteriin riittää postilokerotieto, kun kuluttajasuojalaki edellyttäisi luotonmyöntäjiltä katuosoitteen ilmoittamista?

– Pikavippikierteessä olevan isä

On tosi kieroa hommaa, suomen lainsäätäjät suojelevat täyttä rosvousta ilmeisesti on tuttuja joukossa, kyllä lailla saataisiin tälläiset rosvot kuriin , jos olisi tahtoa.

– Anonyymi"

Translated by Google (sorry for the errors here, my friend tried to fix the worst ones):

"Slow is the rush of the ruling parties, even some kind of control in achieving payday loan companies' activities. American Nobel laureate in economics, Paul Krugman compared the investment bankers' activity to pyramid scam. It tricked international investors. Payday loan companies fund their clients, who are substance users, gamblers and drug purchacers. Part of the most vulnerable, living on income subsidies, sickness benefits and pensions which flow to and rotate through payday loan companies. The question is at least one type of pyramid scam. When the scam is aimed at those who are unable to pursue and protect their own interests, the legislators are not much in a hurry.

Yes, people running the payday loan companies know even by themself, that they do not benefit the Finnish society, as they try to hide their own publicity at all costs. How is it possible that for the Board's register the post office box address is sufficient information, when the Consumer Protection Act would require the lender to check the street address of their clients?

- the father of someone deep in a payday loan debt

It is a true vicious job, for the Finnish lawmakers to protect the full banditry, apparently they know the ones responsible, yes there would be a way to out these bandits under control, if there would be will.

- Anonymous"

I post some more info of Ichiban Group soon, you can see some same names and companies there, too.

MoneySpenderUK

MoneySpender_2

Some info copied directly from the site of the Ichiban Group, named by mirror DOT co DOT uk here:

blogs DOT mirror DOT co DOT uk/investigations/2010/11/crooks-steal-9000-identities-t DOT html

See my previous post, you can find some same persons and companies here, so Ichiban certainly has a role here. Also, one of their portfolio links, www DOT enjoyfreetv DOT com, is redirected to www DOT satellitedirect DOT com, which seems like another obvious scam, at least that is suggested if you google it up.

Ichiban Group
www DOT ichibangroup DOT net/




HOMEPAGE:

ICHIBAN Group is one of the pioneers in the Active Participation Management. We screen the market continuously for the best picks, carefully select the companies to invest into, take a role in the Board and develop a plan to create substantial value for the company and for its shareholders.

ICHIBAN’s core competence lies primarily in the defining, planning and implementation of a converged digital strategy, including associated funding and financing structures. Its management is heavily involved in digitalizing companies’ operational businesses; including online/mobile convergence, virtual/alternative payment methods, digital distribution channels, multi-channel marketing approaches, search/discovery outside web and off-portal strategy vs. "open mobile internet."

The ICHIBAN Group is privately owned and located in Zurich, Tallinn, LA, Helsinki and Dubai.




ABOUT:

ICHIBAN Group is one of the pioneers in the Active Participation Management. We screen the market continuously for the best picks, carefully select the companies to invest into, take a role in the Board and develop a plan to create substantial value for the company and for its shareholders.

We have been doing this successfully for quite some years already, our core competence being the area of defining, planning and implementing a converged digital strategy. Addition to the operational business planning we have also been involved with our customers associated funding/financing solutions to make the leap into this new dimension. Our expertise levies on having the know-how and hand-on business experience in this continuously evolving area of digital era. Digitalizing companies’ operational businesses is our main focus area, including the strategic set-up for overall online/mobile convergence, usage of virtual/alternative payment methods, choosing the appropriate digital distribution channels, multichannel marketing approach, search/discovery outside the traditional web environment, on- and off-portal strategy for mobile services...

ICHIBAN Group is located in Zurich, LA, Johannesburg, Tallin, Tokyo and Dubai. The company is privately owned.

Ichiban group's services

* Business Planning check up service
* Corporate Planning check up service
* Supervisory Board representation
* Board/Management advisory assignments and work shops
* Turnaround Planning (pre value creation)
* Long Term Strategic Planning (value creation)
* Funding solutions
* IPO preparation
* IPO process
* M&A activities in general




THE TEAM OF ICHIBAN:


* Tero Turunen (CH)
Tero is familiar name to many of the industry insiders in the telecoms field. Tero’s reputation in building sustainable growth companies in TMT sector is highly recognized. He has been the acting CEO and a shareholder in various companies and has left his positions after successful trade sale and associated post merger integration. His latest exit was from his post as a CEO of MINICK Group, which he sold to Swisscom early 2007. Tero is currently the Chairman of

ICHIBAN Group. Tero sits in various Boards of the ICHIBAN portfolio companies, and additionally also in non-Ichiban related companies.


* Sami Kuusisto (EE)
Sami is one of the earliest partners of the group. He manages most of the US, Latin American, Central American and CIS projects/investments. Sami manages the in house built idea-tank, that continuously develops business cases to test the markets for new technologies. Year after year he continues to be a very
prominent player in the real estate business in LatAm and CIS.


* Rob Sebastian (USA)
Rob Sebastian is a veteran entertainment media executive with over 19 years of experience in entertainment, digital media, and new technology markets. Mr. Sebastian has played an integral part in the creation of todays most recognizable and successful interactive entertainment products and programs. Focusing primarily on bringing video game, online, and traditional entertainment content (film and television) to all media forms, technology platforms and distribution channels, Rob is a pioneer in bridging the gap between traditional and new forms of entertainment.

Mr. Sebastian is currently an independent entrepreneur with a variety of business interests. Most of his time is spent as the CEO and operating Partner in Mandate Pictures and Ghost House Digital(film companies that finance, develop and market motion pictures such as Harold and Kumar, Stranger than Fiction, Juno, The Grudge, Grudge 2,Boogeyman, Messengers and 30 Days of Night).

Rob was most recently the Managing Director of The Endeavor Talent and Literary Agency working with clients such as Vin Diesel, Ashton Kutcher, John Woo, Jessica Alba, Ghost House Pictures, Paris Hilton, Martha Stewart Omnimedia, WWE, American Express and many others. During his tenure, he implemented two video game businesses, including Tigon Studios which produced the award-winning video game Chronicles of Riddick: Escape from Butcher Bay for X-Box, PC, and mobile phones.

Prior to Endeavor he led the interactive entertainment division for Warner Bros. (an AOL-Time Warner Company) and was responsible for a global P&L. Mr. Sebastian's responsibilities also included the creation, distribution, marketing and promotions of major motion picture, television and animation properties in new media markets worldwide.

While at WB, he negotiated unprecedented videogame/PC/internet/mobile deals based on some of the today's most coveted entertainment properties, including Harry Potter, The Matrix, Superman, Batman, Looney Tunes and the entire Turner/Cartoon Network library. Before joining Warner Bros. Rob transferred in from parent Time-Warner where he held the position of Vice President, Corporate Development and Strategy and was responsible for investment due diligence and asset liquidation.

In addition to his role at Ghost House and Mandate, Rob currently serves as an adviser and director to number of corporate boards. He holds an A.B. in Economics and an MBA from the University of California.


* Riku Kuvaja (FIN)
Riku is currently managing the PR activites for Kimi Räikkönen, the F1 World Champion. He has been in the sports management and sponsoring business for the past decade and a half. He has been negotiating probably the most of the bigger scale beverage related sponsorships for the car racing circuits. Riku lives in Finland and tours with the F1 circuit during the season.


* Kane Ng (USA)
Kane is the a financial guru and our group technologist. He is the CIO of Happy Madison in LA, pretty much the de-facto production power house for anything that involves comedy on TV or on the big screen. Kane is our mathematical support to validate the international business cases beyond the standard P&L procedures. Kane got his masters degree from Stanford University. He resides in Los Angeles, CA.


* Justin Richardson (UK)
Justin has been involved with digital strategy for a very long time. Firstly when he was the hand picked to manage Warner Brother’s wireless business for the EMEA territories. After that he went on to head the similar operations for Twistbox Entertainment, one of the largest content providers in the telecoms sector and VAS business with the mobile network operators. Currently Justin heads up the EMEA operations for Playboy Enterprises. He is re-positioning this, one of the World’s best known brands, in the mobile arena. Justin has recently joined ICHIBAN Group as an executive advisor. We have been very happy to have him on the team due to his vast knowledge of working with high profile consumer brands entering into new technologies. Justin lives in London, UK.


* Adam Comiskey (CH)
Senior Executive at publicly listed video games giant THQ Inc. Adam has been one of the very first real pioneers getting the huge publicly listed video games publishers to enter the mobile content distribution space. He has been one of the driving forces for the industry from the very beginning of the times when the videogame publishing companies wanted to start developing games for the mobile phones. Adam is domiciled in Zurich, Switzerland, but continuously travels for THQ business around the World.


* Mika Kuusisto (CH)
Mika joined ICHIBAN team in 2008. He comes from seriously focused telecoms background; he has been at NOKIA, MINICK, Swisscom and currently acts as group COO at MGS Corporation, based out of Zurich office. Mika advices selected ICHIBAN companies in international roll-out and distribution channel strategies. Mika’s background from working with a handset manufacturer, infrastructure & messaging service provider, governmentally owned telecom operator and publicly listed lottery technology company gives ICHIBAN’s customers real in-depth knowledge into various forms or operational strategies.




CLIENT PORTFOLIO OF ICHIBAN:

MGS PLC (lottery/gaming):
One of the biggest online/mobile gaming providers in the World for lottery and lottery-related services. MGS is a publicly listed company on Frankfurt stock exchange. The company is one of the only ones in the world providing a fully fledged mobile version of a traditional lottery. MGS has a aggressive Emerging Markets strategy and is currently working with National Lottery organizations in Latin America, Asia, Caribbeans and Africa. The outlook of the transactional volumes in the future for people playing lottery on their mobile phones is massive due to somewhat easier and simpler interface for the consumer to discover lottery services whenever they want and wherever they are. Company is headquartered in London, with offices in 3 continents. The biggest owners outside the publicly traded shares are mainly financial institutions and the management. For further information please look the website.
* www DOT mgscorporation DOT com
* www DOT managedgamingsolutions DOT com
* www DOT mobilegamingsolutions DOT net



MAXIMUM CHOICE TV:
"your very own "virtual" set-top box online, streaming/downloading/recording" This is our new “baby”.. still in a start-up phase. MaxiumumChoiseTV is a highly advanced technology provider for increasingly growing VOD market. The concept is pretty much “a virtual digital set top box… but all hosted and managed online by the company. The operational scalability and international expansion opportunities are enormous. The business is strictly B2C and the user interface and the attractiveness factor are staggeringly addictive. We plan to internationalize the services to 16-18 countries by the end of 2009, targeting to reach total of 30-35 countries by the end of 2010. Stay tuned for continuous press releases for the ongoing success...
* www DOT anywheretv DOT fi
* www DOT advertisingfreetv DOT com
* www DOT extendedtv DOT com
* www DOT enjoyfreetv DOT com (leads to www DOT satellitedirect DOT com, which looks like another scam, according to Google)
* www DOT maximumchoicetv DOT com



RTF – Real Time Finance (consumer lending/credit institution):
Company provides micro-sized instant loans to consumers. RTF is one of the fastest growing mobile/online consumer micro lending companies in its peer group.

It has a user base of over 100.000 individual customers that relies on their credit processing facilities. Due to the steady trend of small short-term consumer credits being on the rise in the European and US markets, RTF sits nicely in a booming sector. Small short-term consumer loans are a new type of consumer credit business, RTF targets to be the fastest growing company in the area by setting up local operations in multiple territories in 2009-2010. RTF has the right mobile payment products and services that are likely to be most successful given the specific market dynamics and requirements for the next few years.

The management at RTF has been fast to exploit the potential business models and revenue opportunities that are available to mobile operators and financial institutions seeking to profit from the use of the mobile device as a channel to support payment, banking and financial services. Through a variety of best practice cases and first-hand insights using the technology to various banking services in the past RTF has avoided all the potential risks and pitfalls that banks, operators and payments providers might miss due to lack of expertise in this specific sector. RTF has spend lot of time to examine the fraud, security and regulatory compliance issues that all parties involved in the mobile payments market should be aware of, this gives the company a good position for scalable growth.

RTF has been using most of 2008 operations to learn to develop the business models that are profitable and sustainable for banks and operators, but also appealing and accessible to consumers internationally. This they have managed to do by designing strategies that have overcome the obstacles to traditional banking and encourage customer adoption; successfully re-educating consumers in order to 'bank the unbanked'.

In a nutshell RFT is using the emerging solutions and technologies that can support secure, robust and scalable service approach to new way of mobile finance and banking.

www DOT fastloan DOT fi, www DOT famoslaina DOT fi, www DOT easylaina DOT fi ... just few samples of some of the branded sites we have live in Nordics.

Please ask your ICHIBAN contact for the corporate website access information and the territory specific information



SPOILED MILK:
Spoiled Milk is a skilled team of creative, technical and strategic talents working together to create engaging online experiences. The company specializes on New Media consultance, Web Solutions and Design & Branding. Spoiled Milk was founded in 2005, we currently operate from studios in Copenhagen and Zurich.

Spoiled Milk is definitely on the forefront of the new wave of progressive design and technology companies, with their often experimental use of different media formats. Since the start in 2005 they have grown stronger and more specialized, resulting in a highly skilled team that is today focused on providing our clients with engaging online solutions and can cover complex internationally spread projects with tight deadlines.

Addition to the above, Spoiled Milk “Motion” is their dedicated moving image department. They've partnered the much-loved Spoiled Milk skills and values with an exciting team of film producers to bring their customers the complete online video solution.

The next generation of online media delivery is an immersive platform that creates experiences, initiates dialogue and breathes an extra dimension back into your brand. Spoiled Milk is very happy to offer a full service starting with idea and strategy phases, moving onto recording, editing and post-production, before supplying the branding and technology required to deploy the resulting channel.
* www DOT spoiledmilk DOT dk
* www DOT spoiledmilk DOT ch



SCHULER VOGT and PARTNERS AG (legal/taxation):
Exclusive Swiss advisory firm with long track record in legal/taxation solutions. The company has a solid reputation on relocating individuals into Swiss tax environment and furthermore managing their associated needs, whether it is the family office functions or their business needs. Headquartered in Zollikon, Switzerland.

Schuler, Vogt and Partners AG is a team of highly skilled consultants in the private client, sports & entertainment field, with long and successful business relationship with our clients. It is an exclusive, independent consulting firm, that is fully aware of clients' major needs with respect to: taxes, legal matters, finances, accounting, post-career development, lifestyle and real estate.

Their motto is “When you are successful, you need competent partners more than ever; partners that can give you their full and discreet attention, and this is exactly what we can offer – a unique and fully committed personal service based on solid know-how”.
* www DOT proadvice DOT ch



GAMEUP:
GameUP is a realtime & depository payment service for massively multiplayer gaming (MMOG, MMORPG, MMOSG...), gamers’ leagues and online gaming.

What is GameUP:

* Game Up provides service where consumers can play skill games for money.
* Game Up created account management system able to manage million of micro transactions in a second which enabled creation of GameUp!
* GameUp! is game add-on platform which can be added easily to many different multiplayer games to provide competition type gaming with actual price.
* GameUp! -idea changes normal gaming totally and gives old games a totally new perspective.

IDEA of GameUP:

* everybody can play it 24/7
* it works all around the world
* it offers the best possible security for users
* consumers play skill based games for money
* can be added game funds with various ways: credit card, bank account, SMS or playtime coupons
* can be withdrawn funds from account to other games or to cash
* Supports various payment methods: credit card, bank account, SMS and playtime coupons
* Winnings can be withdrawn as money or used to play other games

Video gaming has become a hugely successful global industry worth $25billion in 2005, a figure that is set to rise to $55billion within the next two years, according to PwC. There were 37 million active gamers in the UK, Germany, France, and Spain, spending nearly 11 hours a week with various PC or console titles in 2005 (GameVision Europe figures). The total online gaming community today is estimated to be close to half a billion unique players and is growing fast (DFC Intelligence). GameUP is well positioned within the industry sector to give the industry real monetizing tools-kit to tap into the payment part of the sector. GameUP is trying to become de-facto payment solution standard by year 2010 for the biggest gaming communities.



AVAFONE OY (Voice Over IP):
Avafone is a leading supplier of Voice over IP services for web portals and consumer brands. Avafone offers a complete voice call solutions including a turn-key Mobile VoIP service with PDA and laptop client software bundled with Wi-Fi connectivity in more than 40.000 locations.

Avafone has been in the Mobile VoIP business already since 2004 which makes it one of the “older” VoIP technology companies. Mainly focusing in the B2B sector, Avafone has managed to establish its position nicely in the telecoms value chain as one of the front runners in the VoIP B2B sector.

The core of the Avafone offering is our hosted VoIP platform, AvaBase, which enables us to offer a variety of services and applications for portals and enterprises.

AvaBase is a versatile solution over which end users can make Voice over IP (VoIP) calls in hosted environment using a fully operative VoIP network with interconnections to fixed and mobile networks. End users can easily make VoIP calls across any Internet access using Avafone clients in a mobile phone, PDA, laptop, Internet browser or any other mobile device. Our clients can offer VoIP for their customer base without the need to invest in VoIP infrastructure.

On top of the hosted solution Avafone will develop various products targeted to selected customer segments; AvaCaller, AvaContact, AvaButton and Avapal.

Company is headquartered in Helsinki, Finland, and is financed by the founders and few international business angels.
* www DOT avafone DOT com



PUTSCLEAN (household services):
Household cleaning and small sized office cleaning specialist. Very profitable business, managed by highly sophisticated online booking tool, extremely focused in the community marketing and customer retention. This is the new way of doing very old business. In cleaning home and SME cleaning business the most important factor is the trust between the contracted parties. PutsClean has this as their real competitive edge on the market.



LOYLOGIC AG:
Loylogic is a leading reward solutions provider to loyalty program sponsors worldwide. We help our clients to steer and increase the value of their loyalty currency by combining state-of-the-art technology with an international reward network and over 70 years of loyalty expertise.

Some loyalty program sponsors think: 'If members don't redeem their points, we, as a company will be better off financially because we don’t have to spend money on the reward.' Well...no. The statistics show that the more customers redeem, the more valuable they become to the loyalty program sponsor. As a matter of fact, 'redeemers' outspend 'non-redeemers' on an average of 3:1. In addition, 'redeemers' churn around four times less than 'non-redeemers'. The bottom line, point redemptions don't cost, they actually pay!

Clearly, rewards are key to the success of any loyalty program. Loylogic team has over 70 years combined experience in the loyalty business. They know what makes it work and they know how to make it work better for the customers. Loylogic team members have provided creative and innovative solutions across the entire loyalty management lifecycle. Rewards provide the biggest potential for loyalty program differentiation; motivating consumers across the profile spectrum to change their behavior. They effectively drive member engagement, leading to incremental spend and a more long lasting relationship. If loyalty program members can’t get the rewards they like, the loyalty currency and the program lose their appeal; and you could easily lose a customer for life.
Loylogic mission is to make points and miles more valuable for loyalty communities and more steerable for loyalty program sponsors – ‘Making Miles & Points

More Valuable than Money™’.

Founded in 2005 by executives from some of the world’s leading loyalty marketing agencies and programs, Loylogic Inc. is a global, independent company with headquarters in Zurich, Switzerland, and offices in Dubai, United Arab Emirates.
* www DOT loylogic DOT com



IFOLOR GROUP:
Ifolor is the second largest photo industry company in Europe. Ifolor was established in Switzerland in 1961. Ifolor, the pioneer of photo industry, currently operates in half a dozen European countries. The company has made an incredibly successful turnaround in the business strategy moving from analog business to digital business.

The company is dedicated to follow the latest trends and innovations in the photo industry. Ifolor continuously brings advanced and easy-to-use new services and products into the market. The personnel consists of highly educated professionals who continuously optimize the quality of the photos and the production processes. In the production only the most advanced and leading technologies available are used.

Being the industry leader in photo production means also a responsibility towards a better environment. Ifolor’s production laboratory is a closed system that releases no industrial waste into nature. Company also guarantees a better environment by recycling all the used materials in our production.

Company is headquartered in Kreutzlingen, Switzerland, and is privately owned.



KOBAYASHI CAPITAL MANAGEMENT (corporate finance):
International investment/Private Equity company, specialized in TMT field. Represents multinational SME companies in various financing structures. Has done a lot of work with the pre IPO set-ups at the turn of the century bus lately has been more busy in trade sales and mergers due to the shift in the M&A markets in the US and Europe. Has a very good track record in selling SMEs to public companies.

MoneySpenderUK

GomerPyle

Tremendous and most impressive research MoneySpender.

I did come across some other links that hardly add to the corporate image of this entity (in a positive way) but I need to include the links and evidence when I post it up.

It's hard to believe that any company that values it's reputation would wish to be associated with this outfit after what's transpired, which begs the question as to how they would manage to operate if the OFT does nothing. Having demonstrated a willingness to do as they please, they could become an even greater menace.

If the OFT don't address the problem - it won't go away and is likely to become worse.

This would make a lovely issue to raise at PMQ's

MoneySpender_2

Thank you, Gomer.

The info is accessible for anyone. All those letters with dots on top of them were the the most troublesome bits for me, both on the Finnish as well as on the Estonian texts, could not have made it without the help from my friend. Both languages sound and look like nonsense to me.

Anyway, what a mess, good luck for everyone affected, I would process this as far as I could if I were one of you. Otherwise, who knows where your ID will be used next?

MoneySpenderUK

geomacl

My little mind id=s boggled by the quantity and quality of your research MoneySpender.
I am astounded that these charlatans have not been closed down by OFT or whatever of our zillions of quangos we have "overseeing" financial operations.
Come on OFT, CoLP, NFIB (or whoever) CLOSE THEM DOWN - NOW!!!
Surely, the data and information provided by expert members of this forum shows just how corrupt and deceitful these sorts of operations are??
We know that regulatory bodies are monitoring our site - and we expect them to take ACTION - AND SOON!!!!!!! NOW, in fact!!!!!:mad: