Avoid this buying "off-plan" scam

Tony Levene
by Lovemoney Staff Tony Levene on 02 February 2013  |  Comments 46 comments

These dodgy property clubs promise incredible, guaranteed returns for investors willing to buy off-plan. But it's a load of rubbish.

Avoid this buying "off-plan" scam

You don't have to be a financial product information provider to know that interest rates on savings accounts are now so thin as to be almost invisible. And while the last couple of months have seen near 10% gains in equities, many won't trust this advance.

There is no way of knowing, but it could be a bounce that will either flatten from here, go back to where the FTSE 100 was a year ago – or slip-slide all the way back to 4,000.

Not even the most optimistic stock market fan forecasts a 16% gain on the current level, with another of the same magnitude in 2014, and a further 16% advance in 2015.  In round figure terms, that would turn a £10,000 stake today into £15,000 by January 2016. Really good going!

Now – as a hard pushing commission-driven salesman might say – if I could show you returns like that, you would sign up with your all savings, wouldn't you?

Money in bricks and mortar

He would say: “You won't get this return in up and down shares, or in gold, or silver.  And as for bank accounts, they're strictly and literally for losers. This investment is in property, in rock-solid bricks and mortar, in an area where there is a proven demand for more and more.”

It's hard to argue with that logic. But argue you must for alarm bells have to start ringing whenever anyone offers astronomic returns for one year, let alone three years, one after the other – even more so when the figures are so precise.

The 16% annual return comes courtesy of an investor club which is part of a self-styled international property group. It is based in Spain, a country which, lest we forget, has had more than its fair share of real estate problems over the past few years. Whole developments remain empty, while some older properties have more than halved in value.

Buying "off-plan"

Even scarier, many investors - including tens of thousands from the UK who bought into Spain via now very bust UK-based property clubs which they found via “free seminars” - put their cash into “off-plan” developments. Off-plan means what it says; instead of seeing what you are buying, you purchase from a drawing, a plan of the building or the area or evem a photo of an architect's model.

So buyers don't get to see the area or the quality of the building. They aren't able to compare its price with nearby properties. No one in their right mind would buy their own home without looking at it first, seeing it by day, by night and trying to sum up the area and its transport/school/shopping/amusements situation.

Yet investors were happily laying out tens of thousands of pounds on the basis of a drawing and the promise that they could double their money once building work started as demand would be so great.

Sadly, they lost all their money – sometimes even more than their original stake depending on the contract they signed. Years later some of these cases are still rumbling through the courts.

It's guaranteed!

My 16% a year offer was to buy holiday flats and so-called hotel apartments off-plan.  And just in case I am worried about ending up with property that has inflated values which no one will pay, there is a so-called safe exit strategy. This is commonly used to persuade investors – it sounds like a guarantee.

Now all guarantees are only as good as the firm making them.

Retailers guarantee to honour gift vouchers but then they don't when the administrators arrive. Here, the safe exit strategy is undefined – does it mean my original stake (and we are talking £40,000 upwards) will be secure or my money plus the promised return (that's a minimum £60,000). It is not stated. And while the exit is apparently secured by an insurance company, there is no sign of which company might provide the backing, let alone that insurer's financial situation.

But in case you are worried, it seems that some of the world's tip-top media have backed the project. The website is decorated with logos of the BBC, Sunday Times, Daily Mail, Daily Telegraph and International Herald Tribune.  But there are no links, no sign that these world-renowned broadcasters and publishers have ever written about the company, let alone in a flattering sense, although they have all at some time or other written about holiday property.

These are just logos – easy to find and easy to paste. The owners of these logos have no links whatsoever with the property company which is not regulated in the UK, Spain or anywhere else. 

There are hundreds of serious – and regulated – hedge and other funds out there which would love a guaranteed 16% a year for the next three years.

Now if this return was really on offer, they would be doing it themselves. And if big investors were involved, the Spanish firm would have no need to indulge in marketing to the likes of you and me. Only, professionals would not touch this with the proverbial barge pole. Let that be a stark warning.

More on scams:

This vacuum cleaner scam will cost you

Criminals target doorstep charity bag collections

Warning: PayPal child pornography scam email

How to protect your PINs and passwords

Don't be a victim of ID fraud

The five most common types of fraud

The scams that target the elderly

How credit card cloning works

How to spot a fake £1 coin

Sneakiest phone scams

The £32m Levene Ponzi scheme!

Doorstep seller complaints hit record high

Don't fall for this weightloss pills scam

Avoid these silver-tongued scammers

Don't fall for this gambling tipster scam

The email phishing scam that relies on your stupidity

Enjoyed this? Show it some love

Twitter
General

Comments (46)

  • Mr Facts
    Love rating 15
    Mr Facts said

    Whilst we should be wary of any marketing circulars proclaiming high returns, I have learnt over the years not to dismiss any opportunity without investing the facts in full.

    I know precisely the Spanish Company about whom Mr Levene refers as well as the 'safe exit strategy' providing fixed 16% returns per annum for up to 3 years, which is backed by an FSA regulated insurance company, I've been a member of this property investors club for nearly 4 years and have invested heavily together with family and close friends, all of whom have commented on the professionalism and knowledge afforded by this Company. I make the effort to visit the headquarters of this Company in Spain at least twice a year and have got to know the staff and management very well indeed. May I add that this Company is one of the few to offer proper employment contracts to all of its staff and pay its NI and taxes to the Spanish authorities. And there aren't too many other companies in that part of the world that are able to say that! Before anyone asks, I'm not employed and never have been by this Company!!

    Perhaps Mr Levene should first register as a member of this investment club (it is completely free to join) where he will have access to very detailed information on all the projects, insurance bonds, legal opinion, podcasts, case studies and dozens of testimonials. I'm absolutely conviced that if he were to undertake his due diligence, not only would he change his opinion but I'm convinced that he too would invest. It is such a shame that he is written this article based upon ignorance and emotion rather than hard facts.

    For anyone who is baffled as to how it is possible to generate 16% returns, all I can say here is that it is based upon an alternative financing structure which is viable and easy to understand once you have taken the trouble to have it explained. 4 years ago when I first received the marketing circular on this scheme, I too was highly cynical but I did not dismiss the opportunity out of hand. I did my due dligence, got to to know about the Company, its staff and business partners before deciding to invest. You will not find a more professionally organised and trustworthy company.

    Report on 02 February 2013  |  Love thisLove  1 love
  • Megatyte
    Love rating 26
    Megatyte said

    You wouldn't by any chance be involved with admin in this Spanish Company would you Mr Facts?

    A H

    Report on 02 February 2013  |  Love thisLove  0 loves
  • Gazgb
    Love rating 4
    Gazgb said

    I have read Mr Levene's comments with interest. The article sounds as though he is referring to a company in Spain that I have invested with.

    If this is the case I can inform all readers that this company is NOT a scam. Whilst on hoilday in Spain I have visited their offices and can advise that they are a very reputable, efficient and trustworthy business.I know of several investors that have had returns on their investment. This is not a 'buying off plan' scam as Mr Levene states, the developments are in the UK and backed by very sound research and due diligence.

    Mr Levene refers to' free seminars', to my knowledge this company does not operate this way. The investor becomes a member and the only 'seminar' that I have attended was in the UK and was a members only meeting.

    The safe exit strategy that Mr Levene refers to IS clearly defined, and the insurance company IS clearly stated once you become a member.

    I have invested with this company that I think Mr Levene is referring to, and I am very happy with the professional and honest way that I have been dealt with.

    Maybe Mr Levene should get his facts right before publishing such an article based upon assumption and lack of knowledge of either the company or the products.

    Report on 02 February 2013  |  Love thisLove  1 love
  • Mr Facts
    Love rating 15
    Mr Facts said

    Hi Gazgb. Well said and I guess you have also invested very successfully in this Company too. Mr Levene is probably completely unware that this investment strategy has been approved by a number of SIPP providers so many investors have invested their pensions in it as well. Now these SIPP providers are fully FSA registered and have to undertake considerable research on every project presented to them as part of their regulated responsibilities.

    Report on 02 February 2013  |  Love thisLove  1 love
  • Mr Facts
    Love rating 15
    Mr Facts said

    Hi megatyte. No, I'm not employed in any capacity by this company. I'm an ordinary investor who believes in fair play as well as in responsible journalism.

    Report on 02 February 2013  |  Love thisLove  1 love
  • Iamcoldsteve
    Love rating 331
    Iamcoldsteve said

    It would appear that the only article Mr Facts and Gazgb have contributed to on this site is this one.

    I have no interest in this company, or even investing in the area mentioned.

    But I would like to say that you 2 people (if 2 different people) have zero credibility to me. If someone who is a regular contributor to this site (and they know who they are) - even if I didn't agree with them on a lot of things, I might (MIGHT) take their opinion seriously.

    Just because 2 people say it is OK, doesn't make it so.

    Caveat Emptor.

    Report on 02 February 2013  |  Love thisLove  0 loves
  • Mr Facts
    Love rating 15
    Mr Facts said

    and just because one person says it is a scam, based on no research or fact, doesn't make it one either! I'm sure that the majority of readers can form their own opinions and can decide for themselves who is credible and who is not.

    Report on 02 February 2013  |  Love thisLove  1 love
  • Gazgb
    Love rating 4
    Gazgb said

    Dear Iamcoldsteve.

    Yes I agree with you, I have not commented on this site before but after reading Mr Levene's article I wanted to put my case based on actual experience of this company (if indeed we are talking about the same company!).

    I am sorry to read your comment that I have no credibility to you, but hope that you can appreciate my point of view.

    Report on 02 February 2013  |  Love thisLove  2 loves
  • Mr Facts
    Love rating 15
    Mr Facts said

    Anyone posting comments on this site has equal credibility as everyone is anonymous. It makes no difference how many times anyone has posted a comment. I have only posted my comments because it annoys me intensely when so called journalists make assumptions rather than basing their reports on proper facts. I just wanted to set the record straight. If readers prefer to believe Mr Levene over myself, that is their prerogative but at the very least i've tried to provide an alternative viewpoint based upon knowledge and experience.

    Report on 02 February 2013  |  Love thisLove  1 love
  • Iamcoldsteve
    Love rating 331
    Iamcoldsteve said

    Mr Facts. WRONG. Everyone posting here does not have equal credibility. You build up trust and credibility over time by interactions, discussions and comment. It doesn't matter if the person is anonymous or not, or how many times in total they have posted.

    Some people on here have some credibility to me, even if I don't happen to agree with them over many things. Credibility doesn't mean that I agree with them, it just means that their opinion and comment is valid. Some people may have posted hundreds of times, and still have no credibility because what they say is just drivel.

    Yours is no better than talking to a random stranger. If you had contributed over many different topics, then I may have taken seriously what you said because there may be enough material to make a decision. Because you haven''t, I assume (maybe incorrectly, maybe correctly) that you have only just signed up to 'add' to this particular topic because you have some sort of vested interest.

    The truth is, I do not know. Therefore I am very careful and wary of your motives. Don't take it personally, it is the way it should be with anyone 'new'.

    (BTW, I have absolutely no idea what the company is called, so cannot assess the validity of anyone comments on the risk / gains of this investment)

    Report on 02 February 2013  |  Love thisLove  0 loves
  • oldhenry
    Love rating 350
    oldhenry said

    My take on this is that the idea of making 16% a year is like c*ap from China- far fetched.

    If there were these profits to be made the market would be saturated by savvy investors and the returns would fall dramatically. Pension companies would have swallowed up any available investment opportunities long before Joe public heard abut it.

    High returns are the only way that dodgy investments can attract new money. Remember Ponzi anyone?

    If it seems to good to be true it is. A bit like perpetual motion- or 85mpg on these EU tests advertised by car manufacturers. They do NOT exist in the real world, only in fantasy land.

    Report on 02 February 2013  |  Love thisLove  1 love
  • Mr Facts
    Love rating 15
    Mr Facts said

    You only have to watch the many TV programmes where investors buy property, refurbish and then sell to appreciate that they can make similar profits to those discussed here. There are many other examples where goods or items are sold for a healthy profit which far exceed those offered by stock market investments. Unfortunately, ignorance is bliss and, sadly, there is a lot of it about. Get to know the facts and you will appreciate that this investment opportunity is nothing spectacular. I invite Mr Levene to become a member of this investment club, gather the vast amount of information available and then comment again on his findings. I throw down the gauntlet - it is up to him to grasp it!

    Report on 02 February 2013  |  Love thisLove  1 love
  • Mr Facts
    Love rating 15
    Mr Facts said

    The reason why i don't join forums such as this is to to avoid having to deal with people such as Iamcoldsteve. The fact is that no-one can asses the credibility of anyone else without getting to know them personally which just isn't possible on a faceless site like this. I don't have a vested interest as I have nothing to prove to anyone on here. Believe what you will - I certainly won't lose any sleep over your opinions!

    Report on 02 February 2013  |  Love thisLove  1 love
  • hopefultom
    Love rating 50
    hopefultom said

    Mr Facts & Gazgb

    Iamcoldsteve is quite correct in his assumptions.

    Steve,like myself has been a contributor to these postings for several years and, as he says you get familiar with other regulars, even though you may not always agree with the comments.

    You two " jonny-come-lately's" ( no disrespect ) have suddenly appeared, making unsubstatiable claims and it is very reminiscent, to me, of a debate on Lovemoney, a couple of years ago concerning a firm called utilities Warehouse.

    The company concerned registered, at least three seperate identities, and we read postings from, apparently very satisfied customers, who went on to give the game away by complimenting each other in an over the top fashion.

    Deja Vu ?

    Report on 04 February 2013  |  Love thisLove  0 loves
  • Mr Facts
    Love rating 15
    Mr Facts said

    If you bother to read my blogs, my issues are with the author of the article and not those who have made comments. I repeat that gazgb and I are not one and the same person just as, I presume, that you and Iamcoldsteve are not one and the same person (although, of course, you could be). My comments are directed at none other than Mr Levene himself who knows the identity of the Company he is accusing of running a scam. If he bothers to join as a member of this private investors club, he will learn precisely the full details of all the projects, the names of the insurance companies, and all the other details of which he is sadly lacking. Surely no-one can have any objections with a suggestion which merely asks the author to undertake his due diligence before putting out completely mis-leading information to the general public.

    Is it so wrong to request a higher standard of reporting than has been evident so far?

    Report on 04 February 2013  |  Love thisLove  1 love
  • Margarite
    Love rating 6
    Margarite said

    Having read Mr Levene's article I feel that I have to make the following comments. I do not actually live in the UK but often read articles on Love Money. I have invested in this 'club' and totally disagree with Mr Levene's comments. I have not invested in an off-plan scheme as I have seen too many of this in the country where I live and people have lost lots of money. My investment money was sent to a firm of solicitors in the UK - is Mr Levene saying they are corrupt ? I am sure that the solicitors would be most furious. My investment is not even in Spain it is in the UK and is therefore protected under UK laws. I get regular updates by email,showing photographs of what my money has been invested in which I knew right from the outset, phone calls, and at any time I may contact the solicitors or the 'club' to ask questions. I did not attend a seminar I had a personal invitation.

    I have spoken to people who have already had payouts from this 'club' and are most satisfied with their returns. I will be looking forward to the end of my term when I too will get my payout and at that time I will ask Mr Levene for an apology.

    Mr Levene you really should do your homework before making assumptions. If you had bothered to find out what really happens in this 'club' then you probably not have written this article.

    Report on 04 February 2013  |  Love thisLove  2 loves
  • Iamcoldsteve
    Love rating 331
    Iamcoldsteve said

    Not another person who has no history on here and is promoting this club and slating the authors opinions.

    mmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmn

    I am bored with this now.

    Report on 04 February 2013  |  Love thisLove  0 loves
  • Mr Facts
    Love rating 15
    Mr Facts said

    For goodness sake Iamcoldsteve, don't judge everyone by your own standards. There is no promotion of any club (which in case you hadn't noticed hasn't been named) but a call from several angry investors for the author to check his facts. You have no right to criticise others for voicing their opinions which are just as valid as yours. Live and let live!

    Report on 05 February 2013  |  Love thisLove  2 loves
  • Iamcoldsteve
    Love rating 331
    Iamcoldsteve said

    Whatever, Mr Facts.

    Yes I do judge people by my own standards. Sadly most people don't match up to them. Some people don't even come anywhere close to meeting them. But I do have very high standards.

    I haven't seen anyone give any facts, but they themselves criticise the author for not getting the facts right, but offer no facts to justify their position.

    Please continue to offer no hard facts about this 'scam' and just criticise anyone who doesn't take you seriously. Say what you like about me, I truly do not care.

    As the dragons say, "I'm out".

    Report on 05 February 2013  |  Love thisLove  0 loves
  • scoppin
    Love rating 0
    scoppin said

    Mr Facts & Gazgb - Here are some FACTS when buying offplan property-

    Freshstart Living, Freshstart Living Ltd,

    In Luton County Court on 15th Jan 2013 - Fresh Start Living Limited tried to set aside a Judgement (CCJ) from an investor who was owed over £18,000 that Fresh Start obtained from him through their contract.

    Fresh Start Lost their appeal. The Judge agreed with the investor. The Judgement against Fresh Start Living Limited was upheld.

    In The Luton County Court Tuesday 15th January 2013

    Time 10.45

    Case No: 2QZ22139

    XXXXX V Fresh Start Living

    Set aside judgment : Application

    "...I thought it appropriate for the purposes of the record to state the reasons why I am therefore dismissing the application. I am going to do precisely that: application dismissed. I am not striking it out, I am dismissing it, because I have dealt with it. Application dismissed.”

    Report on 05 February 2013  |  Love thisLove  0 loves
  • Mr Facts
    Love rating 15
    Mr Facts said

    Look guys let's be clear on one fact; these are not 'off-plan' developments and investors are not, in any case, seeking to complete on a purchase. Sadly, you are so far off the mark with your assumptions (like the author) that you are completely barking up the wrong tree. As I have stated repeatedly my comments are aimed at the author who is in a position to go back and check the facts on this investment whereas others who comment on this site haven't even seen the information that has prompted the author to make his initial report.

    Report on 05 February 2013  |  Love thisLove  1 love
  • scoppin
    Love rating 0
    scoppin said

    To quote Tony Levene "These dodgy property clubs promise incredible, guaranteed returns for investors willing to buy off-plan. But it's a load of rubbish." If he is guilty of anything it is not including all the various property investment scams currently being promoted in the UK where investors are placing thousands at risk in deposits on properties that are in various stages of repair but with no guarantee of completion.

    Report on 05 February 2013  |  Love thisLove  0 loves
  • Mr Facts
    Love rating 15
    Mr Facts said

    Sorry Scoppin but these are not 'off-plan' developments. Whatever else may be taking place inside the UK property market, this particular investment club is not a scam. I have been dealing with them for 4 years and made considerable sums of money in the process. Perhaps as you hold the author in such high esteem, why don't you ask him to name the Company? And for everyone else on here, you have no idea who or what this investment club is about so don't make comments based on ignorant assumptions.

    Report on 05 February 2013  |  Love thisLove  2 loves
  • Margarite
    Love rating 6
    Margarite said

    Well iamcoldsteve you are right that I have no history on this site but I did state in my blog that I only read articles on this site as I do not live in the UK, perhaps it would pay to read and digest what people write.

    Yes it is the authors opinion but what I have written is fact and is my opinion and I am entitled to that.

    Perhaps some of you are aquaintainces through this site as you seem to be siding with him even though he has not named this 'club' so that you can form your own factual opinion and you are following him like sheep.

    Mr Levene has not even made a posting since his original article what does this tell you ?

    Perhaps Mr Levene you would like to name this 'club' and let everybody read for themselves what this is all about and then we can all understand.

    Report on 05 February 2013  |  Love thisLove  2 loves
  • hopefultom
    Love rating 50
    hopefultom said

    Margarite

    For clarification purposes; I may be wrong but I believe that Mr Levene's articles are published elsewhere, initially and are then "sindicated " to Lovemoney.

    This being the case, I think it is highly likely that he will not be following these comments.

    Report on 08 February 2013  |  Love thisLove  1 love
  • John Fitzsimons
    Love rating 45
    John Fitzsimons said

    Just to be clear, Tony's articles are not "syndicated" to Lovemoney. He is commissioned by us to write this blog, nobody else.

    He is however a busy freelancer, which may be why he hasn't responded to some of the comments here. I've contacted him to flag up some of your queries.

    John

    Editor

    Report on 11 February 2013  |  Love thisLove  0 loves
  • Tony Levene
    Love rating 0
    Tony Levene said

    Firstly, I apologise for not replying to all these comments earlier. The number is truly impressive.

    However, the comments seem to boil down to two anonymous writers who say they have made substantial money from Spanish property firms. They may well have done so.

    So here is a genuine offer. Should they wish to contact me - via Lovemoney.com - and waive their anonymity, producing full documentation of their gains, then I shall happily report on their good fortune.

    It would however be fair to add - and to warn - that the past is no predictor of the future. In many schemes - property, shares, and other assets - investors who get in very early and then get out may make money. But by the time these schemes are advertised by spam etc, those gains may be impossible to replicate.

    I would refer readers to the history of the now very bust Inside Track and the large number of investors who have lost out, unlike the promoters.

    As they once said on Wall Street, "if the liftboy's buying, it's time to sell." Some of the comments reflect this fact.

    Report on 12 February 2013  |  Love thisLove  0 loves
  • Mr Facts
    Love rating 15
    Mr Facts said

    Thank you Mr Levene and I should be more than happy to discuss my personal investment arrangement with you if you would first like to provide real evidence on this site that this particular scheme is a scam.

    We must all be aware of tarring everyone with the same brush and I'm surprised that someone of Mr Levene's reputation has been party to this type of sensationalist journalism. He should treat each case on its own merit before passing judgement.If he wishes to know more about the Company, then let him become a member and find out whether the information presented to him from all the highly accredited, affiliate companies stacks up. He might be pleasantly surprised to find that this particular scheme doesn't conform to his original assumptions.

    He refers to comments being made by just two anonymous bloggers (actually three) who are prepared to back this Company but there isn't a single blog from anyone here who can support his opinion based on their particular experiences.

    I notice that Mr Levene has been very specific when it suits him by referring to Inside Track which went bust. If he is truely concerned that this investment company is a scam, why doesn't he name and shame them so his readers may avoid dealing with them? Surely that would be an example of reponsible journalism? I think we all know the reason why he has chosen not to be so candid on this occasion!

    Report on 12 February 2013  |  Love thisLove  1 love
  • Margarite
    Love rating 6
    Margarite said

    Mr Levene it is nice to see your posting a response. There are two anonymous writers that state they have made money and in a few months time I will be a third anonymous person.

    I was not made aware of these schemes by spam but by a personal invitation and talking to other investors whom I have met have replicated the gains made in the same manner in which the two anonymous people have.

    Some of the comments may reflect a fact but in the case of the company I have invested in then too many assumptions are being made and no evidence to back this up - can you supply this Mr Levene as I would be most interested to read.

    Report on 12 February 2013  |  Love thisLove  2 loves
  • Gazgb
    Love rating 4
    Gazgb said

    I would like to respond to Mr Levene's comments.

    Mr Levene cliams that I am an 'anonymous writer', this is true but surely true of all contributors, or are 'Scoppin', 'Hopefultom and ''Oldhenry 'to name but a few their real name? Surely they are anonymous too?

    Moving on to Mr Levene's other comments. His offer for me to provide evidence of my gains is fair, but even fairer would be for Mr Levene to prove his publicy stated comments that this is a scam, and to also name the company in question as we may be talking about two completely diifferent companies here! Having read Mr Levene's article though it is very obvious who he is referring to.

    I am not an early investor with this company. The model has been running succesfully for almost seven years, and I have invested relatively recently.

    I would also like to add that all of my investements with this company are in the UK and not overseas.

    I look forward to Mr Levene providing the evidence to back up his story that this is a scam, and to also provide the name of the company. I think I will be waiting a very long time!

    Report on 12 February 2013  |  Love thisLove  1 love
  • Mr Facts
    Love rating 15
    Mr Facts said

    I support your viewpoint entirely, Margarite. But we both know he has no facts to support his opinion. He wishes us to waive our right to anonymity but he won't name the Company about whom the article is based. Double standards to say the least!

    Report on 12 February 2013  |  Love thisLove  1 love
  • Iamcoldsteve
    Love rating 331
    Iamcoldsteve said

    Still no facts from those supporting this mystery company. You lot demand facts from the author and claim to have made (or are about to make) a mint, but you also offer no facts either.

    Enough of this waffle.

    The only people to have commented after the author's comment are the 3 people who have made positive claims (but are unable / unwilling to supply any facts). They have still not made any other 'contributions' to this website, so I can ONLY assume that they are indeed bogus, may be the same person or have some affiliation with the company 'hinted' at.

    My decision is final, no correspondence will be entered into.

    Without prejudice.

    Report on 13 February 2013  |  Love thisLove  0 loves
  • Mr Facts
    Love rating 15
    Mr Facts said

    Really Iamcoldsteve! This is not your personal forum and you cannot dictate who you consider should be commenting in it.

    Report on 14 February 2013  |  Love thisLove  0 loves
  • Iamcoldsteve
    Love rating 331
    Iamcoldsteve said

    I do not know what planet you come from Mr Facts, but you clearly cannot read English properly. Either that, or you have an adversarial 'personality'.

    Please copy and post where I said that I was attempting to dictate who should comment on here, or that it was my personal forum. However, I can state who's comments I will consider and you are not on that list.

    You still have offered no facts on this company, so my previous assumptions are still valid to me.

    I do hope that you have now gone away and wont come back, but that is just my hope.

    Report on 19 February 2013  |  Love thisLove  0 loves
  • Mr Facts
    Love rating 15
    Mr Facts said

    I'm not in the least bit bothered what you (Iamcoldsteve) think as you mean absolutely nothing to me.

    Obviously you can't read English as I've provided many facts about this investment club in my various comments but you wouldn't recognise one if it stood up and winked at you!

    And if you think I'm going to go away just because you want me to, then you are very much mistaken! Now, is that message clear enough for you!

    Report on 21 February 2013  |  Love thisLove  0 loves
  • Margarite
    Love rating 6
    Margarite said

    Iamcoldsteve, I am definately not bogus and in no way connected to the other two people. Just because I have posted on this forum does not give you the right to hope that I will go away - where are your manners.

    It is your perogerative to decide whose comments you wish to consider and it is my perogerative to post on a site where I think comments are incorrect. As I have stated before when I receive the return on my investment I will be quite happy to advise you how and with whom it was done. In the meantime I have freedom of speech like everyone else.

    Report on 21 February 2013  |  Love thisLove  0 loves
  • Iamcoldsteve
    Love rating 331
    Iamcoldsteve said

    Ha ha ha. Whatever. Knock yourself out on here, but don't expect any 'consideration' from me. Yes you have freedom of speech, and so do I.

    I have said what I think, and you have provided NO FACTS - only some trivia and 'your' opinion.

    I don't care if you are related to this company or each other. I truly do not care what you say either.

    Also, I can hope for many things, some come true, some are made to come true and others don't come true no matter how hard you try. I only HOPE you will go away..... I cannot make you go away, mores the pity.

    And please get some original sarcastic comments too, merely copying mine is a bit lame......

    Laters. (can't wait for the next thrilling installment from your, not so, witty tongue).

    Report on 21 February 2013  |  Love thisLove  0 loves
  • Mr Facts
    Love rating 15
    Mr Facts said

    hi margerite. There is little point addressing Iamcoldsteve. He has obviously got nothing better to do with his life than be a serial blogger on this site. You know what they say: little things please little minds! And we can live in hope too that he might go away but I shouldn't bet on it.

    Report on 22 February 2013  |  Love thisLove  0 loves
  • Iamcoldsteve
    Love rating 331
    Iamcoldsteve said

    I actually laughed at that. Well done, you are getting better. You still have a long way to go, but you're making progress. Slow and steady.......

    You know what, I don't have anything better to do right now. I'm watching a film on the TV and the adverts are on.

    Report on 22 February 2013  |  Love thisLove  0 loves
  • Mr Facts
    Love rating 15
    Mr Facts said

    well it is good to know that iamcoldsteve is able to laugh at himself!

    Report on 23 February 2013  |  Love thisLove  0 loves
  • Megatyte
    Love rating 26
    Megatyte said

    Our three newest members have still not made any other contributions to this site outside of this thread. Not unheard of, but unusual.

    It's also interesting that they have a remarkably similar style of prose.

    A H

    Report on 03 March 2013  |  Love thisLove  0 loves
  • Iamcoldsteve
    Love rating 331
    Iamcoldsteve said

    Remarkable indeed.........

    However, I think they may have gone. Their attempt at humour was about as funny as a dose of cholera.

    Report on 03 March 2013  |  Love thisLove  0 loves
  • Mr Facts
    Love rating 15
    Mr Facts said

    Sorry guys - not gone at all. I've said all I want to on this subject. Hope you recover from your dose of cholera!

    Report on 08 March 2013  |  Love thisLove  0 loves
  • Iamcoldsteve
    Love rating 331
    Iamcoldsteve said

    It had almost gone, but came back surprisingly just now.

    Report on 08 March 2013  |  Love thisLove  0 loves
  • Mr Facts
    Love rating 15
    Mr Facts said

    yes, it could be a permanent affliction with a bit of luck!

    Report on 15 March 2013  |  Love thisLove  0 loves
  • Iamcoldsteve
    Love rating 331
    Iamcoldsteve said

    Mr Facts (aka Lovemoney Troll).

    Did you think about what you were going to say or did your mouth just celebrate the fact that your brain formed a sentence?

    You clearly can't read. I said your attempt at humour was about as funny as a dose of cholera. I didn't say I had cholera. Maybe learning to read would improve your outlook on life and you would certainly be able to communicate better.

    Whilst everybody has the right to be stupid, you seem to abuse the privilege.

    Report on 19 March 2013  |  Love thisLove  0 loves

Post a comment

Sign in or register to post a reply.

W3C  Thank you for using One Flew Over the Cuckoo's Nest