Gladstone Morgan

I didn't meet Dino sir. I met Chris sir.

He is really very detailed oriented and helpful for customer. Awesome service.

You must understand that they are nothing but sales people, selling products and collecting commissions.

/Bob

I am a retired compliance officer at CitiBank. I hope I can offer some guidance to you.

Any legitimate firm, regulated institution or fund group usually keep advice records, signed by the customer and they will have an official complaints process.

You can direct a complaint to the adviser/broker, then the financial institution holding your investment and finally the financial ombudsman if you feel the first two do not offer a satisfactory response.

In my experience, some savings products are designed to provide a capital return in the medium to

long term (10-25 years, for such things as education costs or retirement) usually have a "lock in" ONLY for a short period such as 6-18 months (your earliest investment amounts). After

this, the investments you make on a regular basis over the life of the plan are usually accessible before the end date if required. If you only have money that are "locked in", it would suggest you stopped your investment early (somewhere within the 6-18 months) and therefore have to wait for only a small amount of your capital to be available at the point of your original goal date. Normally, if you break the terms, it does not benefit the adviser.

If your adviser did not keep good records, have anything about the advice with your signature on or NOT suggest that you save a greater percentage of your available income in cash (depending on your Cash position but therefore not tying up too much of those available savings into a longer term investment), you may have a valid point for some sort of compensation.

Otherwise, as another way of looking at it is this. If you had bought a property in 2006 (as stated), you may have found that due to the financial crisis, the value of that property dropped considerably. At that point, if you stopped servicing the loan (with regular payments), the property would be re-possessed (at great cost to you). Posting your anger and disappointment about the realtor, bank or system would not change the sad and unfortunate reality of the situation and how things work.

You would simply have to face this fact or continue payments until such time that the property regained value and could be sold. That choice is one that only you can make and have to face given the entire circumstances. I hope this has been helpful to you both in terms of the official process and alternative comparison.

I cannot comment further without knowing the full facts of your situation but this is something you can take up with the relevant bodies or simply manage what you have until you can "sell" at a better point in the future. Good luck and God bless

Contact TIA/CREF to see if they can handle a direct transfer to one of their accounts.

No and neither have you. Pathetic.

Anyone want a steamy log on their chest?

Boring!

Did I mention that this site is *** and just serves as a forum for people who want to take BS about other people. Well, I can do that too and I say this site sucks and the people behind it suck too

av got a 1972 ford cortina for sale in mint condition, its a classic car and as been used daily. me wife is brown-bread now so don't need it anymore who av I got to impress.

anyone wants a test drive you got to come to Yorkshire in England but promise you wont be dissatisfied. ever since ive ad it it is like av been a magnet for the chicks. I got no bones that I use to give the wife std's from when I cheated on her cos I could always blame th'toilet seat like. couldn't help it and the car was a *** magnet.

if you want to be a *** magnet get this cortina cos it is a top car like and does nearly hundred and runs on 2 star so simply full tank up full of tit and then go on road trip *** like.

a guarantee you will love it cos it is an awesome buy just don't let yer mate drive it cos if yer missus sees im then you will be the one whos been sittin on dodgy bog seats if you know what I mean. on over hand you could always drive it round his gaff for is wife to see unless shes a minger like then you wouldn't but if she aint then awesome give im the old dodgy bog seat syndrome teach im a lesson in advance in case he trys to pork your old lady unless shes a minger then good riddance

I have always felt that anyone involved in this bile should have a good old rogering. Back in my day at boarding school, we had a system and boy did that work, if you didn't do what you were told and jump to it then it would be soggy biscuits for a week and a good old buggering.

We rogered them senseless!! Those naughty little boys could not sit for weeks and if it was a repeat offender then it would phallic time and quadruple "gary" - gave a whole new meaning to the name "toad in the hole" it was like a relay team in there!

Back then men were men and boy were.., well......., fodder.., we always did them dry and without a condom, if they were lucky we would use a little spit, but that was all and the best part was, after we finished off inside their jacksy we would make them lick of the brown.

Looking back, how many of these boys pulled this kind of baloney eh???? None! They all went on to play the role of "top" and to *** the next generation of would be scallywags.

There are lesions here which are:

1.

Rogering bloody-well works 2. It's fun and you always get to "pop your cookies" and no one gets pregnant. 3. If you are down the clinic getting tested, then you are not out ripping people off 4.

You are a better citizen, if you cannot sit then OAP's can sit down in your place on the bus 5. Team building. It takes a lot of cooperation if 4 of you need to get into a jacksy at once. 6.

You have more empathy with your future girlfriend/wife when she refuses the tradesman's entrance.

In summary, whoever has rogered this lot, did so with a chicken-neck and didn't invite his chums. Unbelievable!

Sorry to hear about your experience. Many British expats have encountered such issues, and it is a good thing to bring these things up for the public at large to see.

I have three questions though.

If you believe what you said is true then may I suggest you submit a complaint letter to China Securities Regulatory Commission (equivalent UK FSA) with the UK embassy cc'd to it? They should be able to iron things out. As an expat you should be well-informed about this right?

Secondly, can you provide a screenshot of the value of your pension funds or the very least contract signed between you and the company just so as to give credence of what you just said?

Posting such numbers and info is not wrong but without evidence (especially in the net where you can make almost anything up) your case doesn't really hold much weight, I'm afraid.

Thirdly, Gladstone Morgan is licensed and regulated by the CSRS. I don't want to be the one to say it but your first statement alone kind of undermined your whole case...

And considering the competitive, almost cut-throat (literally) levels in the Shanghai sector it won't surprise me that this may be just another of the Chinese tactics to slander its British/expat competitors. As a British expat myself living here, I am quite aware of the rampant yet silent racism towards us.

This piece may just be an example of racism manifest.

Not saying Anonymous is one but I let the readers judge for themselves.

This website is utter bollocks. The *** behind it are basically racketeering on a level which is on a par with the worst forms of ***-baggery out there. The owners of this site are total *** who deserve to have a wire coat hanger shoved down their japs-eyes.

Absolute *** of the highest order.

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