Proposed Air Quality Bylaw- Information received from Auckland Council

Last year Auckland council announced a   Proposed Air Quality Bylaw,  this  drew an editorial from the Herald  and concerns from us and others as to where the facts and figures came from.  Bernard Orsman also did a article  entitled “City plan spells end for old flames” and  “Plan to ban open fireplaces affects thousands of homes

the committee is due to meet in  February  on their web site the council provides  the governing body report  and an article about managing Auckland’s air quality .

the questions we asked were

1) All research which has been conducted into this matter – showing location and time frames over which this has been monitored.

Their response :The Herald article mentions the number of households that would be affected by any proposed ban of older wood burners and open fires.The information on total number of households using wood for home heating was taken from the 2013 census. The proportion of wood burners using old wood burners (pre 2005) and open fires was then calculated using information from the 2012 Auckland Council Heating Survey (attached).1. 2012 Auckland Council Home heating survey result   

Our response :in the report the  word assume features 14 times  and “estimate”  64 times , they conducted the survey based on responses and not actual  emission readings . the data was obtained from

 

surveyIn terms of % this is what they surveyed

survey percent

 

 

 

 

 

this is the area they surveyed survey area

Now   just by applying logic   you will find more people in the rural areas using open fires  than in the central city .

In total just over  half a percent  was surveyed   of which 50%  lived outside the isthmus area.

The isthmus area has the greatest population  and  has greater pollution from other sources eg. vehicles

It is of note that there appear to  be  actual measurements and  pollution readings.

 

2) Evidence that the domestic fire places are to blame for deaths in Auckland as implied by Councillor Darby.

Their response :The Herald article also mentioned the number of people affected in Auckland by discharges of fine particulate (or PM10) from domestic home heating information. The number of people affected by PM10 from domestic home heating was taken from the evidence of the health effects of indoor fires as well as all other sources of PM10 emissions can be found in the following the independent report: “Updated Health and Air Pollution in New Zealand Study 2012 ” this report will also answer questions 6 and 7.

HAPINZ_Update_Vol_1_Summary_Report

Our response : The word assume   appears 31 times  in this document  and Estimate 141 times.

“The authors estimated that air pollution from all sources in New Zealand was responsible for approximately 1,400 premature deaths per year, of which 1,100 premature deaths were attributed to anthropogenic (human-caused) sources” this statement could easily cover  deaths from smoking .There  appears to be no evidence that  wood fires  are responsible for or contribute to these deaths 2.1  discusses these issues along with “sources such as burning coal, oil, wood, petrol and diesel in domestic fires, motor vehicles and industrial processes”

HAPINZ_Update_Vol_2_Technical_Report

Our response : The word assume   appears 34 times  in this document  and Estimate 132 times It appears that this report relates to  NZ generally and not to the specific issues of wood burning in Auckland . Health figures are also  not available for Auckland. Christchurch and Auckland have vastly different  demographics  and the  issues and problems there cannot be applied to Auckland. 

3) Research which shows that fireplaces since 2005 emit less particles than those prior to 2005, please supply details of makes and models.

Their response :The New Zealand Government introduced the National Environmental Standards for Air Quality (AQNES) in 2004. The regulation set national standards for air quality and introduced the new design standard for wood burners; they had to meet new emission and efficiency standards from 2005 (discharge less than 1.5gm/kg of particle for each kilogram of wood burnt and have a thermal efficiency of not less than 65 per cent). The AQNES required all models of wood burners sold to be tested to ensure they meet these standards, a list of wood burners that meeting the standards is kept on the Ministry for the Environment (MfE) website. (see attached National Environmental Standards for Air Quality)
Prior to the AQNES there was no national standards for the emission levels or thermal efficiency, however some testing has been carried out on older wood burners. (see attached Real Life Emissions Testing of Pre 1994 Woodburners in New Zealand)

Our response :  So why the 2005  cut off when quite clearly some pre 2005 wood burners are  complaint   why not  place a specification on  types.  11 years passed  between  1994 and 2005  and those  who installed their wood burners  in the early 2000’s  may well have compliant   burners.

4) Comparisons of fine particle pollution in Auckland to other cities, at what height does it occur, how long does it linger or disperse, is our isthmus location an attribute which makes air linger?

Their response :The council does not keep records of air quality monitoring undertaken in other areas of New Zealand. However a summary of all ambient air quality monitoring undertaken in New Zealand can be found on the Ministry for the Environment website.

Whilst other cities in New Zealand such as Christchurch and Rotorua have more incidences of air pollution caused by fine particulates (PM10) the Resource Management (National Environmental Standards for Air Quality) Regulations 2004 requires all regional councils to meet the limits on the number of exceedances of the PM10 standard as specified in the regulations. Areas such as Christchurch and Rotorua have a higher level of historical exceedances of the PM10 standard and have more time than Auckland to meet the requirements of the regulations.

The monitoring undertaken in Auckland is done using fixed monitoring sites that sample the air close to the ground; they measures the air that people are exposed to and breathe. Exceedances of the PM10 standards in Auckland and other areas occurs during periods of cold and calm weather during winter when the pollution from domestic fires collects under temperature inversions caused by the conditions.

Being particulate matter the time it takes for PM10 to settle out will depend on climatic conditions such as wind speed and direction. On very still evenings it is likely that PM10 will remain near the fires that produce the particulate. Exceedances of the PM10 standard in the last 5 years have been found at monitoring stations in Takapuna, Pakuranga and Khyber Pass.

9. Exceedences to Date Auckland Council 2005-2012.

Our response : the spread sheet actually mentions   how long and why these limits were exceeded  at the time – House fires  etc, the exceedence is minimal considering the circumstances.

5) Consideration to existing usage rights, traditional .. going back to the year dot.

Their response :There are no existing use right for any fire if it causes a health nuisance because of large levels of particulate emissions. The AQNES allows councils to make bylaws that are more stringent than the regulations.

Our response : But why make  by laws when they are not requires and will not have any impact on the problem  you are trying to solve or a problem which does not exist.

6) The dangers of open fire/ firebox pollution as opposed to industrial, vehicle pollution and cigarette smoking.

Their response :The Updated Health and Air Pollution in New Zealand Study (HAPINZ) (attached) looked at health effects and included a number of New Zealand and overseas studies on health effect from fine particulate. There are a number of studies that have looked at health effects from wood smoke compared to other combustion particles i.e. vehicles, cigarettes smoke etc.
(Air pollution combustion emissions: Characterization of causative agents and mechanisms associated with cancer, reproductive, and cardiovascular effects, Woodsmoke Health Effects: A Review, first published in Inhalation Toxicology 2007)

Our response : But how does this relate to Auckland????

7) Who conducted the research, how was it verified, which standards were applied.

Their response :The HAPINZ report was undertaken on behalf of the Health Research Council of New Zealand, Ministry of Transport, Ministry for the Environment, NZ Transport Agency and was based on Epidemiology studies similar to that used to determine the effects of cigarette smoke. If you have any question about this study please contact the authors of the HAPINZ report.

The following reports have been used as to support the proposed Air Quality Bylaw. These are also attached to this response for your reference.
2012 Home Heating Survey Results (TR 2013/011), April 2013as above

• Census output – wood use in Auckland 2001 to 2013 stats

 
• Statement of Proposal – Introduction to the Air Quality Bylaw 3. StatementofProposal introduction of the air qua

It would appear from this  docuemtn that the cause of our  pollution is not from domestic   fires, but we guess its easier target the rate payers and residents that the industrial sector.

• Updated Health and Air Pollution in New Zealand Study – March 2012, volumes 1 and 2.as discussed above

• National Environmental Standards for Air Quality (Update June 2011)4. National Environmental Standards for Air Qualit
this is the statute .  there is no evidence that we  do not  comply with statute . ther is a design standard referd to in  the statute at   (23) , the statute states that these   wood burners should not be installed after  1 September 2005  it does not  say they need to be removed.

• Domestic Fire Emissions 2012: Options for Meeting the National Environmental Standard for PM10. (TR 2013/022)5. domesticfireemissions2012optionsformeetingnatio

this document states  “Domestic fires are a major source of particulate in the Auckland region, contributing to 41 per cent of total annual PM10 emissions and 43 per cent of PM2.5 emissions in 2011 (Auckland Council, 2012a). Levels are even higher during winter, with domestic fires accounting for 70 per cent of daily PM10 and PM2.5 emissions on a typical winter’s day. The annual social cost of health effects associated with domestic fire pollution is estimated at $411 million for the Auckland region ($NZ as at June 2010, Kuschel et al., 2012).”   What we are looking for is the evidence upon which that statement is made.

• Air Quality Domestic Options – Cost Benefit Analysis 2012 (TR 2013/0X29)6. airqualitydomesticoptionscostbenefitanalysis201 the word assumption  appears 24 times in this 44 page document and Estimate  27 time.  there is no  REAL data. There is no analysis of what is in the  air specific to Auckland

Real Life Emissions Testing of Pre 1994 Woodburners in New Zealand this is pre 1994   there is no evidence that wood burners 1994-2005   are non compliant .

• Clean Healthy Air for All New Zealanders: The National Air Quality Compliance Strategy to Meet the PM10 Standard, MfE, 1 August 2011.Download PDF (945 KB) Ministerial document setting he limits for  air pollution, we have  so far not seen any evidence that Auckland exceeds these limits

• Exceedances to data: Auckland Council 2005 – 2012  as discussed above   the excrescences are due to exception circumstances

• Woodsmoke Health Effects: A Review, first published in Inhalation Toxicology 2007 10. Wood Smoke Health Effects A review first publi  this is a document  wEstimate 28 times  there si no REAL  data hich  speaks of the  dangers of air pollution , we do not  dispute that, we  want to  see factual evidence that there is  air polution n Auckland caused by  wood burners.

• Air pollution combustion emissions: Characterization of causative agents and mechanisms associated with cancer, reproductive, and cardiovascular effects 11. Air pollution combustion emissions (health).pd this is a document  which  speaks of the  dangers of air pollution , we do not  dispute that, we  want to  see factual evidence that there is  air polution n Auckland caused by  wood burners.

• ARC – estimation of Domestic Fire Emissions in 2006.12. ARC Estimation_of domestic_woodburner_emission note the word estimate  appears in this 59 page document 138 times.  it even appears an additional time in  the  title The word assume or derivatives there of appears 105 times –   Our question   How factual is a document based on estimates and assumptions ?

User Guide NES Air Quality

ARC_SA_Presentation_GNS_9_May_2008  If this report was an  account it would be thrown  out due to  its data being over 7 years old , the cover photo loos  suspiciously like morning  fog  as opposed to pollution.

Its time to sort out the confusion with regards to law firms.

The law society have a statutory duty to deal with two groups of persons – lawyers and incorporated law firms .

The  first one  is seemingly straight forward a lawyer  gets a practicing certificate and is for that year a lawyer and is  placed on the law societies register .

The law society  also provides a page called “Find a Lawyer or Organisation” and by entering a name onto that   search field and selecting “organisation”    names come up.

Basic logic would have  you think that the “organisations’ would be incorporated law firms   but that is not  so.  The reality is that the  organisation search is grossly deceptive,  to such an extent that even  the staff administering the  register cannot tell you if  these ” organisations “are  incorporated law firms or not.

An incorporated law firm  is defined as

incorporated law firm means, subject to sections 15 and 16, a company that—(a) provides to the public services that are, in relation to a lawyer, regulated services; and(b) has as its directors no persons other than lawyers who are actively involved in the provision by the body corporate of regulated services; and(c) has as its shareholders, in respect of shares that confer voting rights, no persons other than—(i) lawyers of the kind described in paragraph (b); or(ii) persons who are administrators of the estates of persons who, at the time of their death, were lawyers of the kind described in paragraph (b); and(d) has as its shareholders, in respect of shares that do not confer voting rights, no persons other than—(i) lawyers of the kind described in paragraph (b) (any 1 or more or each of whom may, but none of whom is required to, hold those shares as a trustee of a qualifying trust); or(ii) persons who are relatives of lawyers of the kind described in paragraph (b); or(iii) persons who are administrators of the estates of persons who, at the time of their death, were shareholders of the kind described in subparagraph (i) or subparagraph (ii)

the act then  goes on to relies on  section 21 Provision of legal services  for the protection of legal services  and states

 (1) A person commits an offence who, not being a lawyer or an incorporated law firm,—(a) provides legal services in New Zealand; and(b) describes himself, herself, or itself as—(i) a lawyer; or(ii) a law practitioner; or(iii) a legal practitioner; or(iv) a barrister; or(v) a solicitor; or(vi) a barrister and solicitor; or(vii) an attorney-at-law; or(viii) counsel.

So does this mean that a  firm  which is not a law firm  does not commit an offence if it provides legal services and

  1. cannot be identified as a person
  2.  does not call itself  lawyer, barrister  etc  as above.

section 22   Misleading descriptions

It is clear that this section  is there for non lawyers  who hold themselves out to be lawyers   but  what if a  lawyer is holding a  fictional company out to be a law firm. –    section  23 does not   give much support, it appears to exonerate actions as long as  there is a lawyer  involved somewhere in the process.

But  Lawyers have rules too  , they are enforced  more or less through the law society . However the law society is frequently  conflicted in their  roles of  membership organisation and a disciplinary body.

It is  after all lawyers controlling their own  and   this   too of deception  has been  part of a lawyers artillery for  centuries  so why should they   give away a tool of deception  ? It suits lawyers and the law society to be vague about law firms  as this way  they preserve their  fidelity fund  as no one  can bring a claim against a fictional law firm.

The rules of conduct are  found here You may be wondering why  we have brought this issue up   .. well it is for very good reason   it   is one of those  twisty  nasty tings which makes lawyers always right and you always wrong..    In our opinion it is  Identity  deception/fraud.

Our director  engages a lawyer  .. she met  him in what she  believed to be the offices of his law firm  Equity law Barristers Limited  , he sends away a staff member to complete the contract and a contract emerges in the name of Equity law Chambers .

The law practice is  referred to as Equity law regularly in  correspondence and the current  web page at the time  shows  the  People involved with what is referred to as Equity law.

Equity Law barristers  Limited started its life as Equity law 2007 limited.  there are no other companies on the  companies register  which  bear the name “equity law ”  and the company now known as Equity law barristers is shown as having been  co  directed by the   the  lawyers  wife    and she also held 50% shareholding of the company   up until 16 November 2011  this  means that by the legal definition of  Incorporated law firm  equity law barristers was not and could not have been an incorporated law firm at the time when  it agreed , under a trading name to provide me with legal services.

The agreement was that  Barristers from within the chambers  supervised by the head of chambers, were to do the work . However the staff who worked on my matter were generally  new graduates who  had neither been admitted to the bar  and therefore did not have a practicing certificate ( you will also find that the law society  claims  privacy  when you ask   who had a practicing certificate  when )

Inquiries with the law society   have complicated matters further , they   tell me that Equity law barristers limited  was an ” an incorporated barristers practice ” from November 2008  they will not go so far as to say  if it was incorporated law firm  and they will not say  on what basis  it is an incorporated law firm. – vagueness is protecting their fidelity fund.

On the other hand the court is very strict on identities   a company is a separate legal  identity from a person   but here were have a situation where a company is using a trading name  and the director  has now claimed the trading name  as his  own. The law society  in their wisdom made a decision  naming the   director  of Equity law barristers limited and  told him to reduce his invoices  and refund our director.  However   he refused  we now have a gigantic mess where by  the  incorporated  barristers firm may not have been an incorporated law firm  and could not have provided  andy legal services, but because there was a lawyer  hanging about in the side office it is not an offence.

Another point of interest with this law firm  is that  the   shareholder   and other director the  Lawyers common law wife  appears to have had her signature forged. But that wont matter either they will have some explanation for that like a   sprained wrist .

It appears that the law applies strictly to us and loosely to lawyers .. that has to change.

This brings about massive identity issues and made us focus on the organizations which the  law society lists.

Many of the  ” law firms ”   are  just trading names, unidentified trading names

some of the limited liability companies  listed  do  not qualify as  Incorporated law firms  because of the share holding issue.

Solicitors trust accounts which  do have lawyers as directors and share holders  are not  incorporated law firms  but  would  qualify on face value as such .

This  whole area is a  massive deception

Stewart & Associates Equity Law  still appears on the   ” organisation  list”  it is neither a company nor is it a firm as it only has one employee a  lawyer who is not capable due to her lack of seniority to practice on her own account.

Also look at Brookfields  and Brookfields – Wellington branch  , who is it a trading name for  ? it could be any of these  or none.

It is time that the law society   tidied up their  ” find a lawyer  data base.  we the public should be able to go to the database and identify   the law firms  and  the lawyers practicing  in their own name.

 

Transparency International New Zealand will you unmask the corrupt ?

Transparency International are running an excellent campaign called  Unmask  the corrupt .Ironically this is what we have been doing and   have been sued for , that is because  we have been doing it on our own.

There is a vast difference between Transparency International and  their NZ branch  , The New Zealand branch  dedicates it web site to showing how well we are doing at being  ” corruption Free”  while the rest of the world actually  fights corruption.

We often point out that  if you ignore cancer you will  succumb to it , the same is true of corruption.

We have New Zealand companies involved in international  trade, not  all of it legitimately  see this news item.

Naked Capitalism a web site operated  overseas  by a number of  top  class   journalists  and  connected  to the international consortium of investigative  journalists have  published a number of articles  with regards to   the activity of  Money laundering in New Zealand  see this post entitled “New Zealand, Fresh From Its Service to Mexican Drug Lords, Helps Out the Russian Mafia” and a more recent onesNew Zealand’s GT Group in Romania, Moldova and the UK,

While New Zealand’s Company Law Reform Stalls, GT Group Helps a Thieving Ukrainian Despot

New Zealand: Pseudo-Financial Companies, and GT Group, Both Still Going Strong.

NC’s Guess About a Sean Quinn-GT Group Connection Just Got a Bit More Solid (But a Bit More Ho-Hum, Too)

At Least Half of the 21,500 Companies Revealed by the Guardian/ICIJ Offshore Investigation Have Connections With Rogue Agent GT Group

What is significant is that    the Government thinks that they have closed  down the GT group  but many of  the companies once administered by it are now administered by  Equity Trust international  Limited which operates  from the premises of  level 4  44 Khyber pass, the address of the former law firm Equity  law barristers .Just one such example is GT GLORIA TRADING

Equity trust actively solicitors  overseas companies and  has a disproportionate Russian representation .

Even many of the people involved   are what we call name shifters and so are the companies themselves , this is  so that you never really know who you are dealing with  .

The former  law firm  Equity law  barristers  is known as  Equity law, Equity chambers .

The   principal/ director of the  of the firm   apparently now also claims to use the name  Equity law, he also  has a  different name , as shown in this  Under-fire lawyer assaulted in court

The only  solicitor  working there  is Julia Leenoh    her  name on the   lawyers roll is Leenoh, Joo Yeon but the name in which she got her law degree is  Lee.

Equity  trust International  sends out emails using the equity  law   email ( click to enlarge )

email Bushe

Alex Bushe  of equity law  also appears to be one and the same as    Alexander BUSHUEV, who  is the director of a number of  Equities companies SEDLEX LIMITED (5058320) – Director & Shareholder GLOBAL WEALTH GROUP LIMITED (5433544) – Director & Shareholder FIDELIS INTERNATIONAL TRADING LIMITED (5318101) – Director & Shareholder BLACKLIST DEBT RECOVERY LIMITED (4361899) – Director & Shareholder STEIGEN MAKLER LIMITED (5170404) – Director & Shareholder DRAGON GROUP LIMITED (5433581) – Director & Shareholder

another such person is  Gregory Shelton  who also appears to be the one and the same as Grigori CHELOUDIAKOV who   took over the shareholdings of several companies including    IMEXO PRANA  and   CRESTPOINT TRADE

Both of these companies had  former director   latvian  Inta bilder  and are  associate to the companies involved in this news item NZ shell company linked to alleged $150m fraud  AND SEE the latvian proxys

So needless to say  we  whole heatedly support the  initiative of  Transparency International in the UNMASK THE CORRUPT  CAMPAIGN .

Submissions to Auckland Council

Delegation, calculation of penalties and applying penalties to Rates  A dogs Breakfast

By Grace Haden

I ask for these notes and the attachments to be appended to the minutes.

I have been assisting Penny Bright in making sense of her rates demand, this has given me cause to look at the processes involved and the manner in which the penalty regime has been approached. In doing so I have noted a number of issues which require resolution.

Delegation
Serious issues arise with the delegation of the powers under the Rating act

The annual plan in 2013 & 14 both state

Delegation of decision-making
Decisions relating to applying the rates under the rates related policies will be made by council officers.

The legislation Local Government (Rating) Act 2002 however states

132 Delegation
(1) A local authority may delegate the exercise of functions, powers, or duties conferred by this Act on the local authority to—
(a) its chief executive officer; or
(b) any other specified officer of the local authority.
(2) A local authority must not delegate—
(a) the power to delegate; or
(b) a function, power, or duty conferred by subpart 2 of Part 1 or subpart 1 of Part 5.

The question therefore is who ultimately has the delegated powers and who can lawfully make decisions with regards to the rates and consequently the penalty regime.

It is important to resolve the matter of delegation before we consider whether or not rating polices are legal

Applying penalties to Rates

The sequence of events is also crucial
1. The person who holds the delegated powers or powers has to be identified.

a. I have been unsuccessful in getting this information Mr Town responded this morning Rates and their setting is not delegated but is adopted by the Governing Body as required by law. Therefore no staff member has this delegation. However, delegations for different parts of the implementation of the rating system rest with different staff members depending on what is required.

b. It appears to me that what we have in the annual report and what is required by law is not expressed clearly also the act makes it clear that responsibilities can be delegated to A specified officer not “different staff members depending on what is required”

2. A resolution must be made to authorise penalties to be added to rates no later than the date when the local authority sets the rates for the financial year, It follows logically that this resolution must be available to be produced and one would think in this day an age available for public inspection on the internet. And

a. It has to stipulate how the penalty is calculated
b. the date that the penalty is to be added to the amount of the unpaid rates
c. and must not exceed 10% of the unpaid rates.

3. Section 58 sets out the various types of penalties which the council can impose and it would follow that these are the only penalties which can be imposed .

4. This penalty regime MUST be conveyed in the assessment notice.  see  assessment notice 

There is much confusion as to who really holds the responsibilities as to setting the penalty regime and there is also confusion as to the regime itself.

The annual plans all state: The council must use the special consultative procedure set out in the Local Government Act 2002 to adopt and amend the rates related policies.

The act on the other hand is specific in that it states that the policy must be set “By resolution no later than the date when the local authority sets the rates for the financial year “

This implies that this policy must be set or adopted by resolution annually

In the annual plan 2013-2014  states

The council will apply a penalty of 10 per cent of the amount of rates assessed under each instalment in the 2013/2014 financial year that are unpaid after the due date of each instalment. Any penalty will be applied to unpaid rates on the day following the due date of the instalment.

and 2014-2015

The council will apply a penalty of 10 per cent of the amount of rates assessed under each instalment in the 2014/2015 financial year that are unpaid after the due date of each instalment. Any penalty will be applied to unpaid rates on the day following the due date of the instalment.

A further 10 per cent penalty calculated on former years’ rate arrears will be added on the first business day of the new financial year (or five days after the rates resolution is adopted, whichever is the later) and then again six months later.

The words applied to do not necessarily mean that the penalty will become part of the rates and incorporated into the rates. The wording is not specific as to how the rates and penalties are calculated.

Further :The act requires the invoices to show the amount of the penalty on any unpaid rates for the rating unit and the amount of any unpaid rates owing from a previous financial year for the rating unit. The connotation is therefore that the rates and the penalties are two separate amounts and not one.

This brings about the question of whether or not penalties can be applied to penalties, if there is no resolution that penalties are added to the previous year’s rates then the next lot of penalties applied can only be applied to rates and not rates plus penalties.

The next issue which arises is the rates due for the financial year.
The invoices tates Total rates payable for 2014-2015.

Unless the resolutions to set dates for instalments can be shown to have been made legally and with the proper consultation they cannot be enforced.

The invoice shows the sum due for the year but nowhere on the invoice is there a date by which that sum is due .

There an ability to pay a reduced sum in one payment and getting a hefty 1.1% discount if the payment is made by the first instalment date, the other options available are to be penalised or to pay instalments.

Every one paying their rates on time effectively pays a full month prior to the end of the financial year. Nowhere does it state that the full rates are due by that date.

Penalties are not equal

People living in higher priced areas pay higher penalties as can be seen by the two different invoices I have produced. The penalty for late payment in Epsom is $112.70 per quarter and In Kingsland $58.10 per quarter. This is significant and a flat penalty fee should be considered due to the ever increasing property prices.
calculation of penalties
Unlawful penalties
The act allows penalties of up to 10% of the rates to be added, it does not say per annum and this allows the council to continually add 10% the rates at 6 monthly intervals if an amount is a year old. This is in excess 20% and makes loan sharks look good.

While 10 % is legal the e reality is that a penalty in excess of 10% is added.

10 % is being added to the GST inclusive price, this price is already 15% more than the set rate.

While council through legally set penalty regimes can charge up to 10% penalty on rates they have no legal ability to charge 10% penalty on GST.

This also raises the question of the GST which the council then declares to IRD as having been received but that is a matter for you.

Taking Penny’s rate bill for example the rates instalment is $581 of which $75.78 is GST by charging 10% on the GST inclusive sum a further $7.57 of unlawful penalties is charged per quitter.

In the Epsom example the sum is an extra $14.70 per quarter
It would appear that the rates are a dogs breakfast , they are hap hazard and not done according to the legislative requirements.

While Council appear to ignore the law which they have to comply with, they enforce penalties which have been imposed without any legal basis and against the rule of law.

Council is required to act according to section 14 Of the local government act
a) a local authority should—
• (i) conduct its business in an open, transparent, and democratically accountable manner;

I have not even been able to get questions answered let alone find relevant documents on the council web sites which would enable me to follow the tail of consultation, delegation, resolutions and implementation.

If this is what happens in the process of collecting rates, then we really do have to wonder about the process of spending them.

I have personal experience of seeing the council allow council officers use council resources infrastructure for self-enrichment. There is a deliberate turning of a blind eye to his while rate payers are seen as a bottomless pit of revenue. Questioning this has cost me  more than $300,000   . we have persons in council on wages of $600,000 per year  what are they being paid for.  I would hope   it is to get this kind of thing  right.

This will also be posted on www.Transparency.net.nz

Grace Haden

Council rates- Is the council delegating authority legally – part 4.

In this  the  final instalment of the Auckland council rates investigation we explore  delegation.

The  Local Government (Rating) Act 2002 states

132 Delegation
  • (1) A local authority may delegate the exercise of functions, powers, or duties conferred by this Act on the local authority to—

    • (a) its chief executive officer; or

    • (b) any other specified officer of the local authority.

    (2) A local authority must not delegate

    • (a) the power to delegate; or

Now lets look at the annual  plan again, it states

Delegation of decision-making

Decisions relating to applying the rates under the rates related policies will be made by council officers.

The question  we  need to explorer here is whether  “council officers.”   is   the same as specified as required by the act.  .

There appears to be no definition for Council officer  in any  legislation

Is the lady on the  front desk  there is a receptionist, she is a council officer  , the guy  who overseas the council car park  he is a council officer , I guess you could say that any council employee is a council officer.

Further the annual plan states  that it is  “Decisions relating to applying the rate”  that is delegated to “Council officers ” but the act is specific that   Council cannot delegate the power to delegate  . So without a specific person  being handed the responsibility  the  delegation is  left  rather wide open . There is only one thing for certain and that is that the responsibility still rests with the governing body .

The slack  wording of the annual   plan   and the lack of specificness brings about  the question whether or not the  penalty regime set  by council is even legal in the remotest sense.

But wait there is more

The rates assessment is  sent out at the  beginning of the financial year and  is a document  which is  produced to comply with section sets out the  details as required by legislation , in this case section 45

So we have gone back to the rates assessment notice  that we have before us   and start ticking off the requirements as set out by the legislation.

Item

(k) the total amount of rates payable on the rating unit for the financial year:

we have already seen that  the total amount payable is  $4510.81 .

But if the payment is  made by instalments and each instalment is one day late  then  the  amount paid by the end of the financial  year  ( paid up  by 28 May 2015  when due date is 30 June  2015 )  will be  $4961.61  , an extra $450.81  under the councils  penalty scheme which is not supported by legislation .

On top of that   the $450.81  includes   a total of $58.80 penalties on GST

(l) whether or not the local authority has a remission policy, a postponement policy, or a rates relief policy for Māori freehold land and, if so, a brief description of the criteria for rates relief under each policy:

There is nothing on  our notice which  refers to this at all .

(l) whether or not the local authority has a remission policy, a postponement policy, or a rates relief policy for Māori freehold land and, if so, a brief description of the criteria for rates relief under each policy:

There is nothing on the rates assessment notice which states when the rates must be paid by , the  installment dates are given but there is no indication that  the payments must be made by those dates  it simply states ” amount payable by “.

(n) if applicable,—

(i) the penalty regime of the local authority; and

(ii) a warning that, if rates are not paid on time, a penalty may be added under that regime:

There is nothing on the rates assessment notice with regards  to penalty regimes   and there are no warnings with regards to failing to pay by any due date .

(o) if an early payment of rates has been made in accordance with a policy adopted under section 56(1),—

(i) the rates paid and any balance remaining to be paid; and

(ii) the amount of any discount allowed for the early payment of the rates; and

(iii) any credit balance remaining after payment of all rates due, adjusted for any discount allowed:

None of the above are shown on the rates assessment notice  .

(p) the right of ratepayers to—

(i) inspect the rating information database and rates records; and

(ii) object to any of the information included in the rating information database and rates records.

There is no mention  of these details either .

The Rates assessment notice  which we have before us  does not comply with the legislation Contents of rates assessment.

Perhaps the  council should  tidy up its act with regard to rates

  1. Have penalties which are fair and reasonable  based on the   ever increasing value  and ever  rising rates   of our homes
  2. Have a rates penalty regime which makes sense and  can be interpreted in the same way by every one reading it.
  3. Apply   Penalties legally and only to the portions  which   penalties can legally be applied to
  4. Live by the law which  council so strictly imposes on the rate Payers.

I would  like  to Acknowledge Penny Bright  . It is because we looked at  the rates bill she had that  these issues have been raised.    Her  penalty bill is now  significantly larger than   her   rates demands . While Auckland council wants to sell her house for effectively $13,000  in   arrears rates and more than  $20,000  in penalties.

Auckland council the time to be open and transparent with your rates  penalty regime is now.

Council rates- How legal are council penalties – part 3.

As if the past two days have not given you enough  to think about,  here is another major issue for council

The  Local Government (Rating) Act 2002 at section 58   provides for the ability to impose penalties

(2) The amount of unpaid rates to which a penalty may be added includes—

 (a) a penalty previously added to unpaid rates under this section; or
(b) additional charges added to unpaid rates under section 132 of the Rating Powers Act 1988; or
(c) rates levied under the Rating Powers Act 1988 that remain unpaid.

Going back to section 57

(1) A local authority may, by resolution, authorise penalties to be added to rates that are not paid by the due date.

(2) A resolution made under subsection (1) must—

 (a) be made not later than the date when the local authority sets the rates for the financial year; and
(b) state—

 (i) how the penalty is calculated; and
(ii) the date that the penalty is to be added to the amount of the unpaid rates.

In the 2014-15  resolution in the annual plan   there is no mention  f penalties being cumulative or added on to the rates  so as to attract penalties on penalties. it simply states .

Penalties on rates not paid by the due date
The council will apply a penalty of 10 per cent of the amount of rates assessed under each instalment in the 2014/2015 financial year that are unpaid after the due date of each instalment. Any penalty will be applied to unpaid rates on the day following the due date of the instalment.

A further 10 per cent penalty calculated on former years’ rate arrears will be added on the first business day of the new financial year (or five days after the rates resolution is adopted, whichever is the later) and then again six months later.

The  resolution is actually quite specific  it states that “A further 10 per cent penalty calculated on former years’ rate arrears” it does not  say including penalties , and rates has not been redefined to mean rates plus penalties.

In going through this exercise we have  come to realize several things.

  1. the rates penalty  policy is not very clear  and the average person   will struggle to sort it out, We did, and we are not even sure if we got it right.
  2. Give it to  half a dozen accountants and we are sure that you will get as many  variants  in calculations
  3. Give it to a dozen lawyers and you will get a dozen interpretations possibly more  depending on case law
  4. The legislation is 12 years old , House prices  in Auckland have gone up  massively  yet council has not reconsidered   its rating penalties either percentage  wise or  in line with the legal provisions. 10%  on or  rates when we paid $1,000 per year is very different to 10%   when you are paying $4,000.
  5. Just because   we allow  the world to buy up Auckland to  get rich quick , launder money, land bank  etc  does not mean that the  residents need to be  bankrupted so that their houses  can be put on the market.
  6. You would  do better going to a loan shark than to  default on rates.
  7. Live alone pensioners based on the   rates demand referred to above  ( receiving live alone  super  of $21,931.52 would  be parting with nearly 25% of their super  to live in the  family  home .  We are being forced out of our homes  by rates and penalties .

It is therefore most important that rates  and penalties are applied in a open transparent democratic manner and above all  Compliant with the law.

Dare I say it .. yes there are other issues.. more tomorrow

 

Auckland Council Rates.. does the law apply to Council as it does to you ? part 2

Yesterday we discussed the ability  for council to   charge penalties on  installments  today we take it a step further – what legal right do they have to charge  penalties on GST which they are collecting for the  government ?   We believe that they don’t have any right to do this at all  below is  how we come to  that.

Taking a rates notice which we have here for example
The rates for the financial year 2014-15 are $4510.81 this has a content of $588.36 GST
The current instalment is $1127 and has a  GST content of  $147

The rates notice states

Pay on time to avoid penalties

“‘ It pays to pay your rates on time, as you will be charged a 10 per cent penalty on any part of your current instalment that is overdue.

You will also be charged a 10 per cent penalty on any part of your rates (and penalties from previous years) that have not been paid by 5 July, and again by 5 January, of the current financial year. Any payments that you make towards your rates will be credited towards the oldest amount due first”

The operative words are  any part of your rates.  The Gst is the GST  portion of your rates. The rates  is what is set and  what the GST is payable on .

The the act states penalties Must not exceed 10%   therefore they can only charge  a penalty of 10% on the rates  being 1127-147, the penalty on the rates to be lawful can only be 10% of $980  being $98 .

By charging penalty of $112.70 they are  charging a penalty rate of greater than 10% (11.5% in this case )  which is   and $14.70 over charge  per instalment  and  not  made lawfully .

This is of course  also subject to   the ability  for council to  charge penalties on   instalments as discussed previously

If council can only charge penalties once the years rates are due  being 30 June 2015  then   by imposing  penalties on rates which are inclusive of  GST  ,they will be collecting a further  $58.80  per year ( presuming that you then pay  just prior to  the 30th June )*

Strangely enough  this  sum is more than  the sum which they  give you for early payment .

Where this really gets tricky  is in compounding penalties on the  Gst  of previous payments/ years .

Then there is also the question is GST Payable on the  penalty  or  is GST Payable only on the rates portion ?

We will put that  to council to work out, they have an obligation to us after all to be open transparent and accountable  and presumably that is why we pay crazy high wages to those at the top so that this  kind of thing does not happen ???

 

*based on  instalments being  29 August 2014,26 November 2014, 26 February 2015,27 May 2015 note that   even by instalments  all rates due are paid a month  early .

Auckland council rates – Are you being ripped off ? Part 1

A leaked drawing of the State House Sculpture by artist Michael Parekowhai.

On the one hand we have a sculpture of a house   now scaled down to cost  a mere $1.5 million, a mere ornament which the council intends to  buy

On the  Other  hand we have a real house , a home  to at least three people  and two cats  worth less than  $700,000.Which the council is going to forcibly sell .

Then there is a rates bill  of  some 13,000 which was not paid  out of protest  to a very  one sided contract where by  Council was not keeping up their end of  the agreement where by they  were to engage in  open transparent and democratically accountable governance.

While the council  are prepared to pay over the top  for  one they are willing to sell the other because  a pittance is owed. Ironically this is exactly why  Penny    withheld her rates.

Penny Bright   withheld her rates  until the books were opened  just as Auckland transport has managed to do  see here

So the  $13,000  in arrears  rates  have attracted over $20,000 in penalties.  this prompted us to have a closer look at  what is going on with our rates  and it appears that Auckland rate payers are held accountable to  rate penalties in a very strict manner , pay a day late on any instalment  and you pay  10% more ,On the other hand  Auckland council  is manipulating the law and   in  other instances  being totally non compliant.

In going through the  law and the  detail we have discovered a number of things   which are worthy of  question , especially when  the houses which we  once bought  for   tens of thousands are now worth hundreds of thousands  and wages have remained static.

Let   us you  through it , this is the way we see it .

The applicable legislation  is  the Local Government (Rating) Act 2002 and  the ability to  include  penalties comes from  a two step process  by council .

  1. There needs to be a decision by council , this may  be delegated but has to me made before the rates are set
  2. The decision made must comply with the law  and
    1. Must not exceed 10% of the amount of unpaid rates on the date when the penalty is added
  3. may be of the types of penalties as  set out in  section  58  being
    • a) a penalty on rates assessed in the financial year for which the resolution is made and that are unpaid after the due date for payment (or after a later date if so specified):

    • (b) a further penalty on rates assessed in any financial year and that are unpaid on whichever day is the later of—

      • (i) the first day of the financial year for which the resolution is made; or

      • (ii) 5 working days after the date on which the resolution is made:

    • (c) a further penalty on rates to which a penalty has been added under paragraph (b), if the rates are unpaid 6 months after that penalty was added.

The way  that we interpret this   is that these options are available and are the only legal options available  IF it is  contained in the decision by council.

We went in search of the  decision which  Auckland council had made and found it in the  2014-15  annual Plan Volume 1 – Our Plan for 2014/2015  for ease we have isolated the pages concerned they are found here rates related policies

Penalties on rates not paid by the due date
The council will apply a penalty of 10 per cent of the amount of rates assessed under each instalment in the 2014/2015 financial year that are unpaid after the due date of each instalment. Any penalty will be applied to unpaid rates on the day following the due date of the instalment.

A further 10 per cent penalty calculated on former years’ rate arrears will be added on the first business day of the new financial year (or five days after the rates resolution is adopted, whichever is the later) and then again six months later.

Spot the difference ?

Auckland council  imposes penalties  on each installment where as the act  applies it to the rates assessed in  the  financial year and does not  speak of penalties for parts of rates  .

The rates are set for a financial year in this case being  1 July 2014  to 30 June 2015   in the rate assessment which we have before us is for  $4510.81.

There is an  ability to  pay it  by instalment  ,  or pay the lump sum which gives  a  saving of a whole 1.1% . $4461.18. a saving of a whopping $46.63

Relevant here is Section 24 Due date or dates for payment,  in the interpretation section due date, is defined as : in relation to a rate or part of a rate, means the last day for payment of the rate, or part of the rate, that is set out in the rates assessment

The question has to be   : can “ a penalty on rates assessed in the financial year for which the resolution is made and that are unpaid after the due date for payment” be interpreted to mean a part rate ?

The assessment  notice reads  total rates payable  2014/2015 is $4510.81  to us this means that  by 30 June 2015, $4510.81 needs to  have been paid  being the financial year as   determined by  45 (1) (j).  and most importantly  45 (1) (k)  which states “the total amount of rates payable on the rating unit for the financial year”

while Auckland council asks for  the  payments to be made by four equal installments , the overall obligation is to clear the rates due  in that financial year .

The regime  should be more in line   with retail  being

  1.  the price which is due  on the due date  .. in this case  $4510.81 by 30 June 2015
  2. the  discounted price if paid  in its entirety early, this is usually heavily discounted
  3. The price if paid by installments which should be equal to  or  as an incentive less than the  demanded price

At all times the  right to pay the full  rates demand   by the  30th June  in one payment should  remain an option  as that  way you are  payign your entire rates in the year that it is due.

If you were to  pay it in a lump sum  under the  Auckland council regime , and still be complying with legislation you would  incur  penalties  of $338.10 ( being as stated on the notice  $122.70 per installment ). Compare the  extra  penalties  for being complaint with the law  to  the savings  for paying  early  one gives you a penalty of $33.10 the other a saving of just $46.63 a difference  of   $291.47, so why   is the money in Auckland councils pocket worth more than in yur pocket.. should it not be at least equal ?

more in part 2  the juiciest is yet to come.

Transparency International Finally uses the C word

launderwideTransparency International New Zealand has tried so hard to ignore the corruption in New Zealand  but has finally  conceded that    we have it.  In their latest news letter they mention  no less than three items .

New Zealand Shell Companies Involved in Huge Money-laundering Operation

New Zealand shell companies may have played a part in the biggest money-laundering operation in Eastern Europe. A recent investigation by the Organised Crime and Corruption Reporting Project (OCCRP) exposed an enormous US$20 billion ($24.4 billion) transfer of dirty Russian funds, dubbed ‘the Laundromat’. Read the story by Richard Meadows in stuff.co.nz.

Evidence of corruption a National scandal – Harre

Internet Party leader Laila Harre will take evidence of corruption to international forums if there is not a full Royal Commission to investigate the growing evidence of the systematic use and abuse of democratic institutions and processes for political gain

Money, politics and scandal in New Zealand’s election

Post election, Washington based Lisa Rosenburg of the Sunlight Foundation, and former legislative assistant to Senator John Kerry, suggested that New Zealand will need to address weaknesses in its political finance system to retain “its squeaky clean reputation and its first place as the least corrupt nation…” sunlightfoundation.com/money-politics-and-scandal-in-new-zealands-election

On the  subject first  item  New Zealand Shell Companies Involved in Huge Money-laundering Operation . we reported exactly that last year  and published these articles   International fraud connection with Equity Law and  News Flash EQUITY TRUST solicits new clients

The article by Richard Meadow refers to web site Naked Capitalism.  In a recent article   on that  site  Richard Smith   states

GT Group was linked to the biggest money-laundering operation in US history.

It does not  take much searching to  find that a variety of   GT group companies  which survived being struck off  have found  a new registered office at  the EQUITY GROUP , others have been registered  again using the names of the struck off companies as shown below.

Companies registered to the premises of Equity group  frequently use the very same  directors  identified as  proxy directors  in  international press   . In this case we look at Leah Toureleo  of  B.p. 1487, 1 Port Vila, Pot 540208, Port Vila , Vanuatu  who is as is mentioned in the  Richard meadows story NZ firm named in huge European scam

Leah Toureleo has the following  active companies

PHOENIX INTERNATIONAL GROUP CO., LIMITED (3934638) Registered Company
Leah Toureleo appointed as a director on 27 Jul 2012 overseas registered company   about to be struck off the address 24b Moorefield Road

Seems to be another busy little  office   it is a medical center  see this interesting post  http://www.blakjak.net/node/1312

 

GOLDAGE GROUP CO., LIMITED (3934658) Registered Company
Leah Toureleo appointed as a director on 27 Jul 2012   overseas registered company   about to be struck off reg office Room 4, 221a Dominion Road, Auckland, only two companies registered here and both about to  be struck off

 

IRVINESTON LIMITED (3239028) Registered Company
Leah Toureleo appointed as a director on 14 Nov 2013 Registered Office
TROPIC ALLIANCE LIMITED, 7 Rose Road, for more on this address see naked capitalism

DORNOCK LIMITED (3239007) Registered Company
Leah Toureleo appointed as a director on 14 Nov 2013 Registered Office
TROPIC ALLIANCE LIMITED, 7 Rose Road,

the director   of tropic alliance  lives in Inga 9a-31 Zaubes, Riga, LV1013 , Latvia

Now these next four companies have something in common they all had  the receptionist at Equity law barristers as their  director , she resigned last year when she was warned her about  the dangers of being a proxy director ( see news links  below )   these companies   continue to exist with Leah Toureleo as  their director

WELKIN BUSINESS LIMITED (3665631) Registered Company
Leah Toureleo  appointed as a director on 29 Mar 2013 owned by Trust NZ holdings   –  director  xxxxxxx

SELBY LIMITED (3665671) Registered Company
Leah Toureleo  appointed as a director on 29 Mar 2013 owned by Trust NZ holdings   –  director  xxxxxxx

This is a phoenix company  of  SELBY LIMITED(2466848) (NZBN: 9429031562881) Struck off NZ Limited Company it was  registered to 1504 B, 363 Queen Street, Auckland, New Zealand which was pat of  the Taylor group.  the new company was incorporated  by EQUITY TRUST INTERNATIONAL LIMITED just a few months after the  companies office struck the other off

4-WAY LOGISTICS LIMITED (3589351) Registered Company
Leah Toureleo  appointed as a director on 29 Mar 2013 owned by Trust NZ holdings   –  director xxxxxxx

MAXIMUS CORPORATION LIMITED (3589616) Registered Company
Leah Toureleo  appointed as a director on 29 Mar 2013  owned by Club property (xxxxx)  this company is a phoenix  company for

MAXIMUS CORPORATION LIMITED (2454570) (NZBN: 9429031578738) Struck off NZ Limited Company Level 4, 44 Khyber Pass Road, Grafton, Auckland, 1023, New Zealand,  this company was  originally set up by the Gt Group

The receptionist had one further  company  that she was director of this company  now has Alice Marjorie Stewart , wife of the  director of EQUITY TRUST INTERNATIONAL LIMITED  Greg Stewart   who is the  lawyer providing the proxy director for  Equity law and taking the legal action for his client/associate to  stop us from  exposing the truth .  this company is Eurostone Holdings Limited

for News   items on   Glenn Smith  69 Ridge Road, Lucas Heights, North Shore  ( Company Net ) see

Web of intrigue – crime – national | Stuff.co.nz

New Zealand as a rogue financial state

NZ shell companies in Kyrgyz corruption | Stuff.co.nz

New Zealand, Fresh From Its Service to Mexican Drug Lords

Complaint – Securities and Exchange Commission

Traseks Ltd., is a corporation incorporated under the laws ofPanama on
February 9, 2009, with its principal place of business located at 69 Ridge Road, Albany,
Auckland, New Zealand. Traseks, Ltd. received $976,302, wired during April through
July 2009 from Rockford’s Bank ofAmerica and Banco Popular Bank Accountsto an
account in its name at JSC Multibanka in Riga, Latvia.

Reserve Bank warns public – money – business | Stuff.co.nz

RBNZ warns on dodgy ‘Bancorp’ pyramid scheme claiming

Reserve Bank warns public – Stuff

1766 defunct New Zealand companies at 69, Ridge Road, Albany,

News items  re proxy directors and activities of companies  of  Leah Toureleo  see below and  at this link click here

Sep 2, 2010 Lu Zhang, 28, is accused of 75 offences of making false statements in company registration forms after she declared her office address was her …
www.stuff.co.nz/…/Company-director-with-alleged-arms-links-in-court
Sep 3, 2010 Lu Zhang, 28, is charged with 75 counts of making false statements in company registration forms – by the seemingly minor act of declaring her …
www.stuff.co.nz/national/4090241/Mystery-arms-firm-director-revealed
May 29, 2011 Lu Zhang, below, is its director. launder2 . launder3. Stella Port-Louis, of the Seychelles, is director of four Queen St companies linked to illegal …
www.stuff.co.nz/sunday-star-times/latest-edition/…/Web-of-intrigue
Jan 11, 2010 The signature over it has no resemblance to the signature of Lu Zhang in the New Zealand incorporation documents. The cost of the charter is …
www.stuff.co.nz/national/3218894/Papers-confirm-arms-going-to-Iran
Nov 5, 2010 Former fast-food worker Lu Zhang, 28, was the sole director of Queen St registered SP Trading Ltd, a company that hired a plane discovered at …
www.stuff.co.nz/dominion…/Chinese-warning-on-court-case-angers-judge
Feb 13, 2010 Police National Headquarters in Wellington said it was still investigating SP but would not discuss individuals, including Lu Zhang.
www.stuff.co.nz/business/3323439/Change-of-director-for-shell-company
Oct 20, 2010 SP Trading former director Lu Zhang was later charged with 75 counts of making false statements in company registration forms, and appeared …
www.stuff.co.nz/national/crime/…/NZ-a-target-for-arms-traders-Oxfam
Jan 15, 2010 SP’s director is Lu Zhang whose registered residential address is 369 Queen … that on December 21 detectives here interviewed Lu Zhang.
www.stuff.co.nz/national/3231635/Police-given-details-of-arms-flight-client
Feb 12, 2010 Police National Headquarters in Wellington said they were still investigating SP but would not discuss individuals including Lu Zhang.
www.stuff.co.nz/world/asia/3318708/Thailand-drops-gun-running-charges
Jan 13, 2010 SP Trading Ltd – formed last year with a woman, Lu Zhang, who cannot be located, as its director – is part of a web of hundreds of companies …
www.stuff.co.nz/business/industries/…/Director-breach-punishable-by-jail

Vault Compliance Systems- where is its registered office ?

I have just been alclear watererted  to a post   on Kiwis first  entitled  International Players

The article is  about Suzanne Snively and Victor Cattermole

Susan Snively  of transparency International fame is  the chair person of  Vault compliance systems .

She  works along side  Victor Cattermole sole director and share holder of the company.

Thomas Victor Henry Ronald CATTERMOLE
382 Wairakei Road, Burnside, Christchurch, 8053 , New Zealand

According to Whale Oil Victor Cattermole is one such dodgy ratbag standing for public office. Amongst other things he has been censured by Securities  and Commerce Commissions for running a (likely) ponzi scheme.

Despite this  the company registered to 3/38 Clearwater Drive, Belfast, Christchurch, 8011 , New Zealand   gives its address   on the web site as Level 19, Two International Finance Centre,8 Finance Street,Central, Hong Kong .

This is also the address   for http://suisseinternationalgroup.com/contact/

I personally find that funny as Suzanne used to work for Jarden and co which became credit Suisse.

It would appear that   Clearwater Avenue is a new development on the golf club  Zoodle is the only   site which locates it , we still need to check it out  perhaps Suzanne  can help us out on this one.

It is not clear where  Mr Cattermole, who uses both Victor and Thomas as his first name , lives  as  the company records on 5 August show him using the  address of 25 Northcote Road,Northcote Christchurch 8052 which is the address he used as Thomas Cattermole on the vault shareholder application  form   but  at the same time as Director Thomas victor Henry Ronald Catermole and using the same signature claimed to live at 382 Wairakei Road, Burnside,vault compliance

I find this   all very confusing   Suzanne   do you work from Hong Kong  or do you work from Christchurch.

what is the registered office of   the  company  and who exactly  works  in Hong Kong.

And what about the transparency of  your business partner   what standards  do you have  .. what can we expect?