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Monday, March 20th, 2023, 7:07 pm

Standard Life (Phoenix Group Holdings) Does Not Take Pension Fraud Seriously Enough

Video download link | md5sum 2b863a00d74ee7980569100f280fc404
Delaying and Stalling Tactics After Fraud
Creative Commons Attribution-No Derivative Works 4.0

Summary: As the phonecall above hopefully shows (or further elucidates), Standard Life leaves customers in a Kafkaesque situation, bouncing them from one person to another person without actually progressing on a fraud investigation

THE above recording is of a phonecall received from a Standard Life manager after I had requested a callback. It hopefully makes it clear that Standard Life is not progressing a case of pension fraud perpetrated by my my former employer. As I explain to the manager, this isn’t in the interest of Standard Life as it may culminate in a lawsuit soon (colleagues are speaking about it already).

As it turns out, as per Wikipedia at least, Standard Life has its share of controversies (see screenshot below) and even a lot of layoffs. If this is the level of service provided by the company, then why trust this financial institution with one’s money?

This case isn’t a personal case, as I’m informally speaking ‘on behalf’ of other people as well. Some remaining (existing) and former clients of Sirius have contacted me last week, expressing support for me. They’re very unhappy about what’s going on at Sirius, which dodges accountability. It runs away from the law, not just metaphorically.

What remains unknown, based on the processes and protocols, is whether Standard Life can be held legally accountable for effectively facilitating the company’s fraud by issuing official paperwork that serves to legitimate if not validate what was going on for over 5 years. They need to keep checks and balances in case of such embezzlement, which in this case impacted a lot of people for a very long time (in secret). We were meant to assume that the pension provider’s credibility was on the line, so when Sirius refused to respond to queries about the plan we thought, “OK, well, Standard Life would not allow this to be rogue, would it?”

Standard Life cannot simply ignore this because it’s part of it and if it’s not actively enabling the fraud, looking the other way would be regarded as “passive corruption” (formal, legal term). They make money by letting companies create accounts (they had a Sirius account) by which to mislead and embezzle staff, even for more than half a decade in the case of Sirius. The reputation is exploited to pacify people who are concerned they don’t receive any statements/updates.

It’s no secret that right now people increasingly (and already) lack confidence in financial institutions, even the Swiss ones. Why would anyone trust Standard Life in light of the experiences I’ve been having since January?

I am putting a lot of effort into it and I’ve been spending lots of time on the whole pension thing; from the appearance of things (thus far at least) it may turn out to be a scandal for 2 pension funds in the UK, not just one. By extension, this might be a problem/crisis of reputation for just any pension fund in the UK or — given the inter-connectivity of accounts across nations — in the world at large. They’re all connected; my recordings hopefully serve to demonstrate/show their apathy towards perfectly legitimate fraud reports. They already bounce me between departments in vain (“complaints”). Nothing gets done. There’s not even a reference/number.

Standard Life: In January 2006, Standard Life were accused of smearing a policy-holder, Michael Hogan, who was not happy with the way the company was being run. An e-mail sent to Standard Life executives and advisors (which was disclosed under the Data Protection Act) revealed an attempt to discredit him.[26] In January 2007, the head of Standard Life's life and pensions business, Trevor Matthews, used the racist phrase 'nigger in the woodpile' while giving a presentation at one of the company's Edinburgh offices. After issuing an apology, Mr Matthews remained in his job and no disciplinary action was taken.[27] In March 2007 the company announced it would cut 1,000 jobs in an attempt to save an additional £100 million per year in costs.[28] One month later it was highlighted in the company's annual report that three of Standard Life's top executives (Sandy Crombie, Keith Skeoch and Trevor Matthews) were awarded more than £5 million in pay.[29] A Standard Life spokesman defended the awards, citing the leadership's efforts in turning round the company's fortunes.[29] In February 2014, Standard Life announced that it may move parts of their operations outside Scotland in the event of Scottish independence, if it was necessary to do so.[30]

Monday, March 20th, 2023, 6:05 pm

In First Two Months of 2023 More Than 20,000 ADDITIONAL Welsh and English People Died (Above Pre-Pandemic Levels)

Should we expect an increase of about 120,000 annual deaths? Is this considered the “new normal”?

Tuesday’s ONS figures (tomorrow around 10AM) will show if we still have infamous (major increase of about 20%) excess mortality/death levels. So far every week (for this year) looks rather bad; so far…

Official government data:

Deaths by 6 Jan 2023 14,983 compared to 10,955 in 2019
Deaths by 13 Jan 2023 17,381 compared to 12,609 in 2019
Deaths by 20 Jan 2023 15,804 compared to 11,860 in 2019
Deaths by 27 Jan 2023 14,137 compared to 11,740 in 2019
Deaths by 3 Feb 2023 13,412 compared to 11,297 in 2019
Deaths by 10 Feb 2023 12,672 compared to 11,660 in 2019
Deaths by 17 Feb 2023 12,031 compared to 11,824 in 2019
Deaths by 24 Feb 2023 11,952 compared to 11,295 in 2019
Deaths by 3 Mar 2023 12,049 compared to 11,044 in 2019

2019 total: 104,284 (first 9 weeks alone)
2023 total: 124,421 (first 9 weeks alone)

That’s an increase of more than 20,000.

Monday, March 20th, 2023, 5:25 pm

Standard Life (Phoenix Group Holdings) Takes No Action on Fraud Report (Committed Using Standard Life’s Name)

Video download link | md5sum f1eb8aa87974df65f6c70839b5e0645f
Too Busy to Investigate Fraud
Creative Commons Attribution-No Derivative Works 4.0

Summary: The ‘Open Source’ company where I worked for nearly 12 years embezzled its staff; despite knowing that employees were subjected to fraud in Standard Life’s name, it doesn’t seem like Standard Life has bothered to investigate (it has been a fortnight already; no progress is reported by management at Standard Life)

Tuesday a week ago was when I last spoke to Standard Life after the prior Tuesday I had been given false promises regarding progress in a case of pension fraud perpetrated by my my former employer, a company that has ‘Open Source’ in its name and was one of the earliest sponsors of the Free Software Foundation, even of KDE.

It’s quickly becoming rather frustrating to see that pension providers in the UK (maybe elsewhere too, but I cannot verify this for myself using first-hand experience) prefer to not deal with serious fraud, instead delaying, stonewalling and tiring the complainants. Today I contacted Laura, a Standard Life manager, about 2 weeks after we first spoke. She said she would redirect this to a fraud investigation team, but today she says it has not really started and may take another week with another team — a subject that will be covered in the next video.

This morning we covered (also see my personal blog) how Standard Life had failed to respond to a fraud report, instead issuing false assurances that it would investigate. It’s an eye-opening ordeal.

Monday, March 20th, 2023, 5:19 am

Standard Life Has in Effect Legitimised Business Fraud

Standard Life Logo
Official ‘Standard Life’ paperwork (issued by Standard Life) was used to legitimise fraud for over half a decade

Summary: It’s starting to look more and more like pension providers in the UK, including some very major and large ones, are aiding criminals who steal money from their workers under the guise of “pensions”

THIS site isn’t about my work colleagues at Sirius ‘Open Source’. As explained this past month, this supposedly “Open Source” (not anymore!) company that was one of the FSF’s early sponsors stole a lot of money from employees, myself included. This is now a criminal matter. Several managers knew what was happening; they stole money from many of us and we will put them behind bars if possible (one of them has fled to the United States already).

The pension providers are culpable too, as we shall explain in the habitual updates (maybe once or twice per week).

Former colleagues also chase the matter. “Any progress on this?” I asked this month. “Did you file for review or something to that effect?”

As it turns out, pension providers are stonewalling. They try hard to not get involved in these crime investigations. As if ignoring the victims is a wise strategy. It’s not. It just makes them look complicit in cover-up. The person I blame the most is Leah Brown at Standard Life. For many weeks she kept saying “my hands are tied”, refusing to tell me what had actually happened. She’s a manager, so one cannot just report her to a manager. Leah Brown has made Standard Life look like part of the crime and there might be a class action lawsuit on the way. We just try to gather a list of people willing to participate in it (sharing the cost of litigation).

“Do you have contact details of other past workers?” I asked. “I’m sure quite a few had this pension and haven’t been keeping up with its status.”

Over the past month I spoke to more former workers than I can count. Some aren’t surprised by this corruption; their view of the company was already mostly negative. Most of them left years ago.

We recently found out that the exisiting CEO of Sirius (last man standing so to speak) now tries to do the job of the engineers… and is failing at it… as they left. The former CEO left too. This cheats the customers of the company as they paid for actual engineers to look after their servers. I find that situation similar to Mozilla. Maybe Madame Baker can try to develop Mozilla Firefox, but she never even did a “hello world!” program and she’s almost hitting pension age. Just like the CEO who has just left…

Did the Sirius ‘US’ (no such thing) CEO bag bribes from Bill Gates with one hand while plundering the pensions of past staff with his other hand? Stay tuned to find out… we shall get to the bottom of this. Famous last words for Sirius: we don’t need no stickin’ engineers, just some slush funds from a criminal like Bill Gates under an NDA!

Earlier this month I published “How Poorly Standard Life Has Dealt With Pension Fraud” and it cannot be stressed strongly enough that it seems like many pension companies are the same. I contacted Standard Life managers 3 times already (by phone) and I am being obstructed; colleagues tried to do the same, several times in fact, and report that they never receive a reply. They cannot even speak to anyone!

The CEO has just left the company. So who’s going to be held accountable for theft? Sirius is now, in effect, run 100% by a financial fugitive who escapes many liabilities. Any questions asked about the past are obstructed and met with stonewalling; any questions about the present, or even those who sought reassurances about the pension, are going unanswered or people are being lied to, respectively. This is a severe systemic failure.

I spoke to the company (Sirius) and so did colleagues; the company refuses to even answer very simpler questions! I still have all the paperwork from Standard Life and all the payslips to show money was ‘paid’ to Standard Life every month for over 5 years (or so they told me; it was embezzled). Recently, someone who knows Standard Life very well told me this is “theft” and my money is “stolen” by Standard Life (or in their name). I’ve already contacted the media and spoke among former colleagues about a class action lawsuit against Standard Life. It was only at that point that Standard Life started to become more cooperative. Nothing bothers Standard Life except its public image.

For several of us, some legally-savvy (I have access to an uncle who is a judge and who advised me to enroll when he heard of the Standard Life pension in 2011; back when I had lengthy discussions with him about it), the matter won’t end due to stonewalling. They cannot tire us down. My uncle feels betrayed too; it is him who convinced me to join, unlike other people whom I asked.

A the moment I am told the case is being chased by a manager called Laura Johnston (Standard Life) after escalation from Karen Liddle, who works below her level.

For the sake of transparency, here’s the latest on this:

Laura Johnston wrote on 14/03/2023 20:07:

Good Afternoon Dr. Schestowitz.

Apologies that I have not reached out before now.

Unfortunately, I don’t have anything to report so far but have reached out to the team who are dealing with this for an update.

Once I have an update from them I will be in touch.

Thank you for your patience,

I responded:

I waited for you to get back to me till 5PM yesterday and then recorded a video on this issue (as I had not heard back): http://techrights.org/2023/03/14/pension-fraud-standard-life/
More in http://techrights.org/wiki/Crimes_of_Sirius_Open_Source
and http://techrights.org/wiki/Sirius_Open_Source

I look forward to hearing of any progress. Clients of the company are contacting me, this week expressing sympathy. The company will soon have no clients and no business to even track down, so you must hurry. This really should have progressed months ago when I first contacted Mrs. Brown several times (a manager at your company). Or when colleagues sent detailed E-mails to you (those always went unanswered).

She has not responded since then (5 days have passed). She wrote “good afternoon” at 7 minutes past 8PM, so there’s a certain sense or feeling that she’s not being too honest. As if to pretend it was done within the reasonable timeframe. Remember she already failed to respond to me “today” (as she said she would 7 days earlier).

This does not look good at all for Standard Life. What should have been a trivial case of fraud (with papers and everything to prove it) isn’t progressing. Or barely (nearly 3 months already!).

Minutes ago I followed up:

Can I please have an update on this? I cannot stress strongly enough that this is a matter of great urgency, implicating many people, and we have already lost 2 months due to your slow response. Your delays have given time for fraudsters to adapt and curtail prosecution. We have evidence to prove this.

When people come to think of it, if she phoned before 5PM as she said she would, a lot of this escalation would not be needed. For instance, no person at Standard Life would be named and Standard Life itself would never be mentioned here. The bottom line is, Standard Life increasingly seems unwilling to deal with crime done in its name.

So the pattern that emerges is, pension providers lie, obstruct, and even cover up for people who abuse their system. This is really awful. On a separate day we’ll get back to NOW:Pension, another pension provider that provided awful service and isn’t progressing in the fraud investigation.

One day they may have to compensate us for all this trouble — us as in past workers who were plundered… like people who already have some other job, needing to spend weeks if not months chasing this rogue/criminal nonsense. Some former workers are very angry and some might lose sleep over it. More so knowing and seeing that the pension providers are mostly apathetic and only respond when the reputation is on the line. They don’t truly mind this ‘underworld’ as long as the media doesn’t report/talk about it.

Friday, March 17th, 2023, 2:44 am

Speaking to NOW: Pensions About a Corrupt Employer

Video download link | md5sum 9dcf3def0c8beb1a166c52b5ded8b299
Chatting to the Pension Boss About Sirius
Creative Commons Attribution-No Derivative Works 4.0

Summary: Further to yesterday’s update on Sirius ‘Open Source’ and its “Pensiongate” we can gladly report some progress following escalation to management; this is about tech and “Open Source” employees facing abuse at work, even subjected to crimes

THE Sirius series isn’t quite over and we expect a lot more to be published about the pensions. Expect this to spill over to April as well.

When I started the series in December I didn’t know how deep the rabbit hole would go; it pains me to know that myself and my colleagues got robbed.

Our solid plan to publish some EPO documents (earlier today) have thus been delayed somewhat; today we’ve instead devoted a lot of time to Sirius coverage.

Skyfall's upload imageThe gist of the video above is (it mended up a bit like a podcast of the pension fund’s manager and myself), they now reckon they failed to provide a good service, they recognise the severity of the matter, and things will — or at least should — be progressing a lot faster from now on.

The saddest thing in all this is (there is a lot), it took me almost 3 hours on the phone (I pay for these calls) to finally get to the boss and we’ve already lost about 3 months while Sirius was hiding itself and hiding what’s left of it. This really should have progressed months ago, but NOW: Pensions was uncooperative and unattentive. Since January it kept lying to me and to my wife, who has a plan there too.

Thursday, March 16th, 2023, 7:54 pm

NOW: Pensions Won’t Let Me Have My Money, Fails to Apologise for Months of Lying

Video download link | md5sum f78431fd89771a7ee494f43d13e16fb5
34 Minutes With Now Pensions (NOW: Pensions)
Creative Commons Attribution-No Derivative Works 4.0

Summary: The “Pensiongate” of Sirius ‘Open Source’ (the company which embezzled/robbed many workers for years) helps reveal the awful state of British pension providers, which are in effect enabling the embezzlement to carry on while lying to their clients

THE video above shows how in the company NOW: Pensions “customer” “support” staff is basically just a ‘shield’, making it virtually impossible to speak to people who can progress/resolve things. In a very Kafkaesque fashion they try to pass me from one person to another person without actually making any real progress. No apologies, no information, no reaction.

As it turns out this week, it can be more or less the same in the United States, so it seems like a global issue, a universal pattern.

The recording above was made only after months of frustration and a waste of money, not just time. NOW: Pensions lied to me repeatedly; they already have a history of misconduct and judging by the quality of their service (or disservice) they might go under again — as they did before (until some other company bought them). As per British law, there are cases where pensions can be redeemed early, with up to 55% tax in case of ‘unauthorised withdrawals’ (before age 55). But advisors are spreading misinformation for their own benefit/interests. It also seems clear that redeeming depositors’ money is made incredibly hard. That’s a design flaw, an intentional barrier.

Wednesday, March 15th, 2023, 2:06 am

Standard Life Making False Promises About Cracking Down on Pension Fraud and Embezzlement

Video download link | md5sum 6e89d71f88131559a0e06773ecfefd81
The Standard Cover-up
Creative Commons Attribution-No Derivative Works 4.0

Summary: Standard Life lied to me about investigating fraud committed in their name; to make matters worse, upon contacting them one week later (after they were supposed to get back to me) they’re still not escalating, not even getting in touch, and victims of embezzlement are running out of patience, having already lose their pensions

THE above video gives some background and plays back a conversation I had today with Standard Life. It’s a continuation of the long video (and notes) from 2 days ago. I had the phone with me throughout the above recording and Standard Life simply failed to phone me. They had already failed to contact me a week ago as the manager promised. It certainly starts looking like a pattern.

This time I play the audio without hiding the names of those accountable. Readers/viewers can probably understand why we name them publicly after months of wasted efforts and hours on the phone. The short story is, Standard Life is failing to hold people accountable, knowing embezzlement affected a lot of people. Some time in the next few days we shall explain the significance of this and the ramifications. This passivity isn’t acceptable.

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