Category: Mortgage Fraud

Witch-hunt Part 3

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As I told you in the last post, after my 2 appeals for conviction and proceeds of crime, we were refused leave, the new evidence has now been submitted to the CCRC.

As stated I cannot reveal details until their investigation is finalised.

ccrc letter to Michael Creamer

I have contacted the Crown Prosecution Service, asked if I could speak to Mr Beltrami, Chief Crown Prosecutor, I left a number of messages for him to contact me, I spoke to receptionist, told her the full facts of my case and I asked “Why aren’t the CPS charging these other 1,500 people who have committed mortgage fraud?”, she couldn’t answer the question.

Mr Beltrami to this day has not contacted me.

Karen Dixon from the CPS in Colwyn Bay does not want anything to do with it, a letter was sent to her by a member of my family, she replied back that Cardiff dealt with it, not us.

Simon Curzon the CPS lawyer from Cardiff when investigating this case, he had North Wales Police running around the country, gathering information, to bring a charge against Anita & myself.

Now I’m appealing and have made certain complaints, they won’t answer telephone calls and don’t want to get involved and have passed it to the CPS in London.

Please read this letter from my MP Guto Bebb to Mr Beltrami.

bebb

Any loans/mortgages Anita & myself ever had have all been paid back in full, with interest, we owe no banks any money and have never been bankrupt, so to you people out there who deliberately get loans and have no intention of paying them back, set businesses up & deliberately go bankrupt and have given false details, you carry on, because you won’t get prosecuted.

I’m not saying I’m better than any of you people, because I’ve got no loans and I owe nobody any money, but North Wales Police are obsessed with me, will only prosecute Michael Creamer and can make up charges that don’t exist.

Don Kenyon when under oath, was asked by my Barrister Peter Davies QC, ‘Stephen Jones falsified 1,500 mortgage applications, as he did with Michael Creamers, tell the jury how many of them 1,500 people did North Wales Police prosecute?’

Don Kenyon went red in the face and said none.

Peter Davies said ‘NONE! So why did you prosecute Michael Creamer?’

Don Kenyon replied ‘We reported them to the FSA’.

Peter Davies asked ‘Why didn’t you report Michael Creamer to the FSA?’

Don Kenyon then tried to skirt around the answer and started to talk about something else.

Read the story of Stephen Jones here.

The With-hunt continues…

JFT96 – YNWA

 

Witch-hunt Part 2

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The Mob investigated this case for years before it got to court, the drama in the courtroom from all the agencies that were involved; CPS, The Mob and prosecution, you will read now that the whole case was tainted.

  • When Judge John Rogers QC called over 70 people into the courtroom, men & women, to select a jury, “your names will be called out” he said, “when you hear your name, please go and take a seat and that’s where you will sit during the trial”, he thanked the people who were not selected and excused them from the court, he then went on to talk to the jury and reminded them of their duties, he then thanked them and said “some of you have done jury service for me before”. It looked to me like the Judge had already picked the jury, I did raise this with my Barrister.
  • The foreman of the jury, after a couple of weeks into the trial, handed the Judge a note, which the Judge read out to all Barristers, it read ‘The jury don’t understand what Michael & Anita have supposed to have done and that we are confused’. The Judge did nothing, just sat on the fence.
  • Most people who gave evidence during the trial, gave evidence from between 1 and 5 hours, when I gave evidence the Prosecution kept me in the box for 5 days, the judge in the end said to Wyn Lloyd Jones, “I am going to have to let Mr Creamer go, as he’s been in the box for too long”.
  • I’ve told you before that there was no conspiracy. My Barrister and all the other Barristers said ‘all Michael & Anita’s transactions, where they bought and sold houses legitimately all went through J.W Hughes & Co solicitors Nick Passey and Graham Parry and if any of the transactions would have been fraudulent or suspected money laundering, the solicitors would have a duty to report them, this didn’t happen because everything was legitimate’. So the Barristers asked the question ‘Why haven’t J.W Hughes & Co been charged in the conspiracy with Michael and Anita?’ Because The Mob only wanted Michael and Anita charged.
  • The mortgage broker we used Steve Jones was struck off by the FSA for falsifying the details of his 1500 clients mortgage applications and was given a £100,000 fine. Yet only 1 of his clients was charged, Michael & Anita Creamer.
  • I asked Peter Davies, my Barrister, while this trial was going on, if I’ve been charged for mortgage fraud and if any of that money is fraudulent, I paid over £30,000 in Capital Gains and Stamp Duty, can you get the money back? Because if they are saying it’s fraudulent then the Government shouldn’t be allowed to keep it either. He said you can’t have it back.
  • I also told my Barrister 90% of people who have mortgages in Great Britain have committed Mortgage Fraud, the lenders will keep borrowing and the Government won’t do nothing about it, because if every application was checked in Great Britain, the banks would collapse and the Government wouldn’t make any money on all that stamp duty and as you know the Government tax you on everything, people who exagerte their earnings or give any false details are commiting mortgage fraud.

Come on Prime Minister, enough is enough here, Anita & I redeemed our mortgages, yet The Mob, still prosecuted us for Mortgage Fraud.

  • I swore on affidavit and presented it to the court as evidence, it was true and accurate, but the jury did not get chance to read it as Wyn Lloyd Jones the prosecutor took those parts out that showed me in a good light, later on this blog, you will be able to read them. What our good old English law says is, if you have got previous convictions, like I have, which are only minor ones from over 25 years ago, that’s the reason the good character points were taken out of the bundle, if you have bad character you can’t use good character.
  • Judge John Rogers summed up at the end of the trial for a day and a half, pointing out all the positive points of the prosecution case, when it came time to sum up the defence for Michael & Anita, he spoke for just 40 minutes. Both Anita & I raised this with our Barristers and both agreed that it was unfair and biased.
  • The prosecution council Wyn Lloyd Jones and his junior council Brett Williamson had vital information that they held back from Judge John Rogers QC and this could have had a big impact on this case. I have appealed to the CCRC (Criminal Case Review Commissioner) and this new evidence is being looked at and taken very seriously. Simon Curzon the CPS Lawyer from Cardiff also held this back. I cannot disclose this information at this time.

After I was found guilty and sent to prison, I appealed my conviction where I went to Cardiff Crown Court in Summer 2013, leave to appeal was refused. I also appealed my Proceeds of Crime, where I went to the Strand in London, Judge Limbert Davis refused leave and said my taxi business was a sham.

Read later on this blog about these 2 appeals, it’s absolutely shocking what’s been done, wait until you see the evidence. The good thing is, once your appeals have been refused you can now go to the CCRC and that’s where my case is at the moment. I cannot talk about the case that’s with the CCRC as it’s a live appeal and I don’t wish to compromise it.

The witch-hunt continues…

JFT96 – YNWA

Witch-hunt Part 1

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This blog ‘Michael Creamer Vs The Mob’ has become very popular and is being viewed all over the world. This next statement that I’m about to publish would not apply to all of my readers, but to the small minority from the town where I live Conwy, in North Wales.

I was sentenced to 4 years and 2 months prison and Anita 2 years. Some of those backstabbers from Conwy who used Nigel’7 bellies’ Roberts site, Thoughts of Oscar being the cowards you are, left comments on that poison pen blog “I wouldn’t have let my wife go to jail”, well I’ll deal with that for you now.

I don’t want to try and make you look stupid but I’ve been with Anita for over 30 years so to you clowns, do you think I just said to Judge John Rogers, send her to prison and throw away the key? Well, I’ll educate you and tell you what happened.

Because the house that we live in, 4 Parc Waen, Bangor Rd, Conwy, LL32 8EL, was built to a luxury standard, with its own gym and swimming pool and paid for in cash, legitimately, the money came from the sale of our previous homes and is completely above board, if you check with HM Land Registry; you will find 4 Parc Waen is in the name of Anita Creamer.

The Mob and the CPS lawyer Simon Curzon after lengthy discussions, conspiring with each other, knew if they were only to charge me, Michael Creamer, they couldn’t impose a proceeds of crime order, they decided they needed to bring Anita into the equation and charge her for mortgage fraud as well, that is the only possible way they The Mob and CPS could achieve a proceeds of crime against the 2 of us.

That’s how sly, dirty and low life the thieves, North Wales Police force are.

They needed the jury to return guilty pleas against myself and Anita, so they could come after us and steal our money. Some of the other defendants who pleaded guilty due to the encouragement of Judge John Rogers, only paid a £1 payment to the court and that was their order, £1, because many of them didn’t have a pot to pee in and the prosecution were not interested in these people.

So I hope I’ve answered the questions for you, not that I need to, if any one of you would like to speak with me personally my number is: 07977928434 and of course my address is as above.

During the search of my rented accommodation in Court Llewellyn (later on I will give you a list of the items that were seized on that search and what wasn’t recorded), North Wales Police, seized many items, what wasn’t on that recorded list of items was money stolen from my bedroom, everything else was returned, eventually.

I consequently made a complaint with regards to the money that was stolen and to a scratch made to my car when North Wales Police reversed it from my garage, they went on to put a sniffer dog inside my car which at that time was only a few months old, the dog was wet as a consequence of searching my garden and left wet, muddy paw prints all over my car seats. This was also reported to the police and a complaint was made.

Evidentially, I will present statements and photos on this blog later.

Going back to our trial in Mold Crown Court in 2010, I made my barrister, Peter Davis QC aware of Nigel ’7 bellies’ site, Thoughts of Oscar, the poison pen blog that was co-authored by MP for Clwyd West David Jones and now of course ex-shamed Secretary State for Wales and additionally by Dylan Moore his long term business partner at David Jones Solicitors, Trinity square, Llandudno.

During our trial in 2010, we did not know who the authors behind that poison pen blog were, but those evil men I have named, published on that blog, nasty and untrue derogative comments that most certainly would have prejudiced our trial, Peter Davis QC brought this to the attention of the Judge, with the jury excused, the Judge ordered DC Don Kenyon to speak with the authors of that poison pen blog and make sure that all horrible and untrue comments that were published about myself and Anita were removed forthwith.

DC Don Kenyon didn’t leave Mold Crown Court and did not personally speak to the authors behind that poison pen blog, he instead contacted Chef Superintendent Simon Humphreys and told him the Judge’s ordered instructions, Humphreys then phoned Inspector Ian Verburg, Ian Verburg then went around to Nigel ‘7 bellies’ shop and relayed the orders of the Judge, he was to remove all derogative posts and cease publishing comments about myself and Anita until the conclusion of our trial, Verburg then contacted DC Don Kenyon and confirmed ‘Oscar’ had been spoken to.

DC Don Kenyon came back in to court, keeping in mind that the jury were completely unaware of all this and still excused and DC Don Kenyon swore under oath that the Judge’s instructions had been carried out to the letter, but still the comments continued and many members of the public made complaints to Inspector Verburg, stating their families had been abused, libeled and bullied on that poison pen blog.

Verburg told blatant lies to each and every complainant, he said neither himself nor North Wales Police knew the identities of the authors behind the poison pen blog Thoughts of Oscar.

Well you just heard it from the horse’s mouth, Chief Superintendent Simon Humphreys, Inspector Ian Verburg and at the very least DC Don Kenyon in November 2010, knew exactly who ‘Oscar’ was, they also lied to Conwy Council and various magistrates stating they didn’t know who ‘Oscar’ was, they have been caught out and cannot possibly despite all their lies get away with this one.

You the readers have read my complaint to Sian Beck, regarding the poison pen blog Thoughts of Oscar and during this last year it has been reinvestigated by the IPCC, although to be honest I don’t have much faith in them either.

Going back to our trial in 2010 after various members of The Mob had given evidence many of them decided to sit in the court room and listen to the trial I brought it to the attention of my barrister, can you instruct the Judge that these Officers have given evidence and surely they must have public duties to attend to, instead of sitting around a court room all day, drinking coffee. This was the only thing the Judge agreed with and as a consequence sent them on their way back to work, at the end of the day it’s the tax payers money they are wasting.

Members of the public, prepare yourselves for the extortionate bill of costs for this trial coming next….

JFT96 – YNWA

The Start Of The Witch-Hunt (Re: Mortgage Fraud)

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Definition of Witch Hunt: An investigation carried out ostensibly to uncover subversive activities, but actually used to harass and undermine those with differing views.

The Mob in October 2008, came to my home, where I was living in Court Llewellyn at the time, they turned up with a warrant and arrested myself and Anita for mortgage fraud, although at the time of arrest, neither of us had a mortgage and what mortgages we had many years before the arrest, the mortgages were all paid in full, never in default and when the mortgages were redeemed they were paid with interest.

The Mob were struggling with a charge, a man & wife cannot be charged with a conspiracy, and they couldn’t charge us both for mortgage fraud because there was no complainee and nobody suffered any loss, so there was no charge there.

Information leaked out from the CPS in Colwyn Bay, saying there were no charges to be brought against me or Anita, so what The Mob did was to go to the mortgage broker( Jones & Poole brokers) that we had used, checked all our files and looked closely at people associated with me, people that had worked for me, people that had bought houses from me, so The Mob with the CPS lawyer, Simon Curzon from Cardiff looked together and came up with a conspiracy to defraud mortgages, eventually 17 people were arrested in 2008 and we were all placed on police 47/3 bail until the 1st of December 2009, when we were all charged with conspiracy to defraud mortgages by misrepresentations, biggest load of rubbish and lies I have ever seen, where The Mob and the CPS lawyers had plenty of time to make up the charges.

I said it back then and I say it now, me & Anita are not guilty of these offences, I did not conspire with any of the other people involved and some I didn’t even know and had never seen them before, I will keep protesting my innocence, if I was guilty I would hold my hands up, I will keep fighting this until I get justice.

This case began in October 2008 and took until October 2010 before it went to trial, all 17 defendants pleaded not guilty, with a full court house of 17 Barristers as well as 17 Solicitors (I will give you a breakdown of their costs later on), 12 members of the jury, the Judge, 2 prosecution Barristers and quite a few members of The Mob from St Asaph, surely what I’m going to tell you next can’t be right, His Honour Judge John Rogers QC, did not want this to go to trial because of the costs and the length of time the trial would take, the jury could have been sitting for well over 6 months, People should not be pressurized by a judge to change their pleas to save going to prison.

So before the jury were sworn in they would never have known about this, the Judge in open court, says to the 17 defendants, if you were to plead guilty now, I will make sure you don’t go to prison, but that doesn’t apply to Michael & Anita Creamer, so many of the defendants changed their pleas to guilty and the Judge threw 3 of the defendants cases out.

Those people who pleaded guilty did not conspire with me or Anita and never have, they took the deal from the Judge to save going to prison by this time now the prosecution were over the first hurdle when this deal was done, they told the jury a lot of the other defendants have pleaded guilty to the conspiracy, meaning that we were guilty as well, as I have stated already, we were not guilty. So eventually left in the dock were myself, Anita, Michael Spencer & Ian Pattinson, who pleaded not guilty because we were not guilty, after a 7 week trial, Ian Pattinson was acquitted, Michael Spencer was found not guilty of one of the conspiracies, myself & Anita were found guilty.

A lot of friends and family keep asking when’s the mortgage fraud going to be on this blog, there are so many photographs and paperwork to show you, I don’t want to bore you too much, so I’m going to break it down over the next few weeks, publishing a little bit each day.

The witch-hunt continues..

JFT96 – YNWA