England and Wales death totals by week:

urther to what I published on Wednesday, here’s a breakdown of increase in deaths by age group, debunking the notion that it is impacting only very old people.

The number on the left is the total deaths for week 16 (latest on record) in 2019, compared to the same week in 2023 (shown on the right below), i.e. last month:

For ages 15-45, 321 compared to 251: 28% increase in fatalities
For ages 45-64, 1478 compared to 1100: 34.4% increase in fatalities
For ages 65-74, 1878 compared to 1446: 30% increase in fatalities

Seems like a national health crisis, but the media hardly talks about it, so let’s pretend it’s not happening.

Internal documents show evidence

Summary: The finances of Sirius are dodgy; with at least three different shells (in at least two countries) and an unknown number of non-disclosure agreements (NDAs), it’s hard to know where money comes from and where it is going to (even the company’s registered address isn’t authentic anymore)

AS noted this morning, the police is far too slow (if not reluctant) to investigate crimes of Sirius ‘Open Source’, so let’s examine the facts, based on the Sirius Business Case as it was presented 12 months ago.

Quite a few people were involved in the blunders and the crimes. We chose not to name them. Anyway, of note are the following parts:

Where did the surplus go? Another country? Seems plausible. There we go:

They don’t even mention the Gates Foundation because of the non-disclosure agreement, but it’s what likely drew the CEO to the US because, according to him, it was the “first Sirius US client” (strange, right?) and it was never mentioned anywhere in writing.

Several things are noteworthy and might be relevant to the police investigation. First, in March the CEO was publicly advertising that he had money (about 100,000 pounds per year to offer in salaries). So where does he hide the money? Where did that money come from? In the report he kept secret from us the finances in the US. Well, maybe he stashed it aside over the years and now he hides money in the US (from his ex-wives), who knows…

The only other possibility is that he fakes everything or that he advertises openings for which he cannot even pay a salary, which itself is illegal (that’s worse when viewed from clients’ perspective due to unmet SLAs).

In May last year the company said nothing about its “US” subsidiary having money or losing money. If it claims to still have money, then victims of the company’s theft may want to sue. Sadly for them, this past October the company changed the address of both UK ‘shells’ to a phony address and there’s no comment on the matter from the accountancy. This shell game won’t end well. With two grown up girls in the UK and two more young girls in the UK the CEO (two failed marriages) is probably chased for many other expenses. He is a financial fugitive in the US now. It’s not a pretty picture. Based on office gossip, there were also infidelity issues (hearsay but very likely).

Sunak already has his own share of financial scandals (his wife also)

“The Prime Minister promises to take the fight to the fraudsters by blocking scams ‘at the source’,” says Which? this week

Summary: The crimes of the rich (or white-collar crimes) are tolerated by our administration; not enough resources are devoted to tackling the most costly crimes, as the case of Sirius fraud shows (I’m a victim of this crime, as are my former colleagues)

ALMOST 14 days ago (2 weeks) I reported fraud to the police and got a reference number for the investigation. In less than 24 hours it’ll be officially a fortnight and they didn’t bother to contact me, follow up etc.

A saner system would do a preliminary check, freeze the assets of the company to recover stolen money, then pursue prosecution based on the evidence. In light of the impending “coronation” ceremony, this matters even more. They apparently have plenty of money/budget (the media says £250m) to protect a person in his 70s throwing a party for himself, but not enough to tackle actual crime (rather than hypothetical… or a mere risk).

“If they don’t respond,” said a colleague about Sirius ‘Open Source’ last month (he too was plundered/defrauded), “I should be able to make a small claims court claim online. I have proof from standard life saying I was not on the scheme and proof they took deductions from my pay, and a copy of the letter outlining the scheme I should have been on so should be reasonably straight forward.”

I can do the same. But the problem is that the company is ‘in hiding’. Downsides of such a course of action:

• they will dodge the legal process.
• we need to hold them criminally accountable (this is jailable offense).
• the company will claim to be broke, unable to recover the money.

The other victim asked: “What else do you have from Standard Life?”

We probably have what we need; that helps show they profited from the fraud too, but they are not directly accountable in this case.

“I have a letter from the IFA and some Standard Life booklets but nothing else,” the colleague said. I have the same. “If Standard Life simply never got contacted to enroll us, I can’t see there is anything else they can help us with.”

Yes, they cannot be held accountable, but they ought to be shamed for facilitating the scam. “If they did not follow protocols,” I said, “designed to prevent such pension fraud, then they breached rules and can be reported. But whether protocols were not followed I cannot tell you as I’m Not a Lawyer (IANAL). I suggest you go ahead and contact the company.”

It has been nearly a month now and the company refuses to even speak.

“I just looked at the fees for an online money claim through the small claims court,” the other victim said. “It’s basically 5% of the claim which could get quite expensive especially if there is no real company left to enforce against. Also I left just over [redacted] years ago so maybe out of time to make a claim.”

Just because a crime took place a long time ago doesn’t mean the police should not prosecute. Litigation is another matter.

Anyway, it’s now at the hands of the police. Let’s see what they do, if anything…

If police fails to take action despite all the evidence of the crime being sent to cops and put on their laps, then it’s fair to say that the police is enabling the crime. It is in some sense complicit by deliberate inaction. White-collar criminals would be delighted to know this; it means de facto immunity/impunity or a carte blanche to carry out more such crimes.

2019:

And now:

COVID-19 isn’t over. It never was over.

My experiences with the police have consistently shown inability to hold people accountable or solve crimes, but maybe they can prove me wrong. After all, it emboldens criminals if they see no consequences for their crimes.

Summary: The crimes of Sirius ‘Open Source’ can become a “test” for British police; we’ll see if criminals are held accountable and, if so, how much longer that takes and how much effort by the reporters (victims)

VER the past few months we showed how unreliable UK pension providers are (or have become) and how uncooperative they can be when pension fraud is indisputably confirmed. To them, the real problem is their image, their reputation. They depend on that to attract “business” and they couldn’t care any less about the integrity of the system they’re built upon. Deep inside they know about it being ripe for — or rife with — abuse. Two months ago I saw or witnessed (firsthand) the police ‘ping-pong’ — sending people back and forth between departments in order to tire them down. If that’s how bad law enforcement can be, then we ought to illuminate it.

To remove any doubts or any misunderstandings, there are many victims here and there are ‘smoking guns’. The Pension Regulator deals with abuse by pension providers, not by the company that committed the fraud here (pension providers benefited financially, but they aren’t the perpetrators). It’s an actual crime and crimes are reported to the police, you don’t sue the criminals (in courts; civil actions). It’s the state’s job to drag the criminals to court and potentially extradite/imprison them. Regarding the company, I previously wrote to them asking where the pension money went but they did not get back to me. I did so several times. Many recipients, too. Other victims did the same and did not get a response. It’s embezzlement. It’s a crime. They’re not even denying it.

That they don’t respond to anybody is very noteworthy. It’s not worth doing that again. It’s pointless sending the same messages like 10 times. At this point the police must get involved in a timely manner. Not months down the line. They simply enable more evidence tampering and maybe for money to be hidden (relatives, friends, offshore accounts). The delays are themselves enabling more crime.

“I could write again as a letter,” one victim said, “before action informing them the pension scheme I was told I was enrolled in have confirmed no record of me being on the scheme so please provide me with details of where these deductions from my salary have been paid or I will take you to court to claim the missing payments back.”

This victim does not seem to understand the status of the company. That would be a good approach if the company still had a physical office and money in the bank. “Expect them not to even reply,” I said. “That in itself would say a lot.”

To be clear, the missing payments aren’t the whole problem, nor are the interest payments.

At least 3 people in the company committed a crime. Two of them are in the UK and can (should) be held legally accountable. One of them, who is in the UK, enjoys the money she stole from us.

Just to reiterate, this isn’t about some “dispute” between an employer and employees; it’s an actual crime that took place and went on for years. This isn’t something to be settled in courts; handcuffs will be needed and if the police does not intervene fast enough, it’ll embolden/legitimise some perceptions about police not caring about crime. The company’s departing CEO (he left in March, apparently quite abruptly) changed the address of the company to the address of a different company (I confronted him about it over the telephone weeks before the witch-hunt began). When we contacted this company last month (to inform it of what had happened) it did not even bother responding. There is a chain or a network of facilitators here.

Hello, police, can I report a crime? Hello?