Gas canister man storms office

One of the country's busiest shopping streets has been closed as a man wearing gas canisters stormed into an office and threatened to blow himself up, it was reported. Tottenham Court Road in central London was closed after police received emergency calls at midday. Scotland Yard sent a hostage negotiator to the scene amid reports the man had held people hostage inside the building several floors up. Pictures emerged of computer and office equipment being thrown through one of the office windows. A police spokesman said it was "too early to say if the suspect was armed or indeed had taken any hostages" but businesses and nearby buildings were evacuated. Joaqam Ramus, who works at nearby Cafe Fresco, said before being evacuated: "There was talk of a bomb and somebody having a hostage in a building. "All Tottenham Court Road is closed and so are we - the police told us to shut. "We don't know what it is but it seems someone has a hostage."

Credit card fraud websites shut down on three continents

Three men have been arrested and 36 criminal websites selling credit card information and other personal data shut down as part of a two-year international anti-fraud operation, police have confirmed. The Serious Organised Crime Agency (SOCA), working with the FBI and US Department of Justice, as well as authorities in Germany; the Netherlands; Ukraine; Australia and Romania, swooped after identifying the sites as specialising in selling card and bank details in bulk. The move comes as a blow to what is a growing black market for stolen financial data. Detectives estimated that the card information seized could have been used to extract more than £500m in total by fraudsters. SOCA claimed it has recovered more than two and a half million items of compromised personal and financial information over the past two years. “The authorities have shut down 36 websites but it is difficult to know how many other people had access to that data. They could spring back up somewhere else if a gang is not eradicated completely,” said Graham Cluley of internet security firm Sophos. He added: “This is big business and, just as in any legitimate company there are people who specialise in different things, so there are those who actually get their hands on the personal data and those who sell it on; they are not often the same person.” An investigation by The Independent last summer found that scammers were making a “comfortable living” getting their hands on sensitive information and selling it online. Card details were being offered for sale for between 4p and £60 per card – depending on the quality – according to one source in the business. Some cards would be sold with incomplete or unreliable information; others ready to use. Some of the card details for sale on the websites shut down by SOCA were being sold for as little as £2 each. Investigators said that the alleged fraudsters were using Automated Vending Carts, which allowed them to sell large quantities of stolen data. They are said to be a driver of the growth in banking fraud over the last 18 months because of the speed with which stolen data can be sold. Lee Miles, Head of Cyber Operations for SOCA said: “This operation is an excellent example of the level of international cooperation being focused on tackling online fraud. Our activities have saved business, online retailers and financial institutions potential fraud losses estimated at more than half a billion pounds, and at the same time protected thousands of individuals from the distress caused by being a victim of fraud or identity crime.” An alleged operator in Macedonia was one of those arrested, while two British men accused of buying the information were also detained. Britain’s Dedicated Cheque & Plastic Crime Unit also seized computers suspected of being used to commit fraud.

Reopen Madeleine case, police urge

Scotland Yard has urged Portuguese authorities to reopen the search for Madeleine McCann as detectives said there are 195 potential leads to finding her alive. The detective leading the Metropolitan Police review said the case can still be solved before officers released a picture of what she might now look like as a nine-year-old. Detective Chief Inspector Andy Redwood said he believes her disappearance was a stranger abduction, as he said there are 195 "investigative opportunities". Police refused to say what evidence they had uncovered to suggest Madeleine is alive. Mr Redwood confirmed that his team of more than 30 officers involved in the case had been out to Portugal seven times, including a visit to the family's holiday flat in Praia da Luz. It will be five years ago next week since the three-year-old went missing as her parents, Kate and Gerry McCann, dined with friends nearby. A spokesman for the McCanns said the family was pleased with the image. Mr Redwood said his 37 officers had dealt with 40,000 pieces of information but the "primacy still sits in Portugal" in the attempt to find her. Commander Simon Foy said: "Most significantly, the message we want to bring to you is that, on the evidence, there is a possibility that she is alive and we desperately need your help today to appeal directly to the public for information to support our investigation." Mr Redwood said "evidence that she is alive stems from the forensic view of the timeline" that there was the opportunity for her to be taken. Investigations show "there do appear to be gaps", he added. Detectives in Portugal are also understood to want the case reopened but must gain judicial approval via the courts.

Insecure websites to be named and shamed after checks

Companies that do not do enough to keep their websites secure are to be named and shamed to help improve security. The list of good and bad sites will be published regularly by the non-profit Trustworthy Internet Movement (TIM). A survey carried out to launch the group found that more than 52% of sites tested were using versions of security protocols known to be compromised. The group will test websites to see how well they have implemented basic security software. Security fundamentals The group has been set up by security experts and entrepreneurs frustrated by the slow pace of improvements in online safety. "We want to stimulate some initiatives and get something done," said TIM's founder Philippe Courtot, serial entrepreneur and chief executive of security firm Qualys. He has bankrolled the group with his own money. TIM has initially focused on a widely used technology known as the Secure Sockets Layer (SSL). Experts recruited to help with the initiative include SSL's inventor Dr Taher Elgamal; "white hat" hacker Moxie Marlinspike who has written extensively about attacking the protocol; and Michael Barrett, chief security officer at Paypal. Continue reading the main story “ Start Quote Everyone is now going to be able to see who has a good grade and who has a bad grade” Philippe Courtot Many websites use SSL to encrypt communications between them and their users. It is used to protect credit card numbers and other valuable data as it travels across the web. "SSL is one of the fundamental parts of the internet," said Mr Courtot. "It's what makes it trustworthy and right now it's not as secure as you think." Compromised certificates TIM plans a two-pronged attack on SSL. The first part would be to run automated tools against websites to test how well they had implemented SSL, said Mr Courtot. "We'll be making it public," he added. "Everyone is now going to be able to see who has a good grade and who has a bad grade." Early tests suggest that about 52% of sites checked ran a version of SSL known to be compromised. Companies who have done a bad job will be encouraged to improve and upgrade their implementations so it gets safer to use those sites. The second part of the initiative concerns the running of the bodies, known as certificate authorities, which guarantee that a website is what it claims to be. TIM said it would work with governments, industry bodies and companies to check that CAs are well run and had not been compromised. "It's a much more complex problem," said Mr Courtot. In 2011, two certificate authorities, DigiNotar and GlobalSign were found to have been compromised. In some cases this meant attackers eavesdropped on what should have been a secure communications channel. Steve Durbin, global vice president of the Information Security Forum which represents security specialists working in large corporations, said many of its members took responsibility for making sure sites were secure. "You cannot just say 'buyer beware'," he said. "That's not good enough anymore. They have a real a duty of care." He said corporations were also increasingly conscious of their reputation for providing safe and secure services to customers. Data breaches, hack attacks and poor security were all likely to hit share prices and could mean they lose customers, he noted.

Anti-depressants likely do more harm than good, study suggests

Commonly prescribed anti-depressants appear to be doing patients more harm than good, say researchers who have published a paper examining the impact of the medications on the entire body. See Also: Health & Medicine Pharmacology Birth Defects Mental Health Research Mind & Brain Depression Disorders and Syndromes Psychiatry Reference COX-2 inhibitor Psychoactive drug Seasonal affective disorder Anti-obesity drug "We need to be much more cautious about the widespread use of these drugs," says Paul Andrews, an evolutionary biologist at McMaster University and lead author of the article, published recently in the online journal Frontiers in Psychology. "It's important because millions of people are prescribed anti-depressants each year, and the conventional wisdom about these drugs is that they're safe and effective." Andrews and his colleagues examined previous patient studies into the effects of anti-depressants and determined that the benefits of most anti-depressants, even taken at their best, compare poorly to the risks, which include premature death in elderly patients. Anti-depressants are designed to relieve the symptoms of depression by increasing the levels of serotonin in the brain, where it regulates mood. The vast majority of serotonin that the body produces, though, is used for other purposes, including digestion, forming blood clots at wound sites, reproduction and development. What the researchers found is that anti-depressants have negative health effects on all processes normally regulated by serotonin. The findings include these elevated risks: developmental problems in infants problems with sexual stimulation and function and sperm development in adults digestive problems such as diarrhea, constipation, indigestion and bloating abnormal bleeding and stroke in the elderly The authors reviewed three recent studies showing that elderly anti-depressant users are more likely to die than non-users, even after taking other important variables into account. The higher death rates indicate that the overall effect of these drugs on the body is more harmful than beneficial. "Serotonin is an ancient chemical. It's intimately regulating many different processes, and when you interfere with these things you can expect, from an evolutionary perspective, that it's going to cause some harm," Andrews says. Millions of people are prescribed anti-depressants every year, and while the conclusions may seem surprising, Andrews says much of the evidence has long been apparent and available. "The thing that's been missing in the debates about anti-depressants is an overall assessment of all these negative effects relative to their potential beneficial effects," he says. "Most of this evidence has been out there for years and nobody has been looking at this basic issue." In previous research, Andrews and his colleagues had questioned the effectiveness of anti-depressants even for their prescribed function, finding that patients were more likely to suffer relapse after going off their medications as their brains worked to re-establish equilibrium. With even the intended function of anti-depressants in question, Andrews says it is important to look critically at their continuing use. "It could change the way we think about such major pharmaceutical drugs," he says. "You've got a minimal benefit, a laundry list of negative effects -- some small, some rare and some not so rare. The issue is: does the list of negative effects outweigh the minimal benefit?"

Madeleine McCann, the British girl who went missing while on holiday in Portugal half a decade ago, could still be alive, Scotland Yard said on Wednesday.

Madeleine McCann as she might look aged 9  Photo: Teri Blythe

Detectives released a new “age progression” image of the toddler, which they said showed what she would look like today at the age of nine.

On Wednesday, Britain’s biggest police force said that as a result of evidence uncovered during a review “they now believe there is a possibility Madeleine is still alive”.

Officers have so far identified nearly 200 new items for investigation within historic material and are also “developing what they believe to be genuinely new material”.

Scotland Yard urged Portuguese authorities to reopen the search for her amid the new "investigative opportunities".

Police said the image, created ahead of what would have been her ninth birthday on May 12, had been created in “close collaboration with the family”.

Dengue Fever Asian Mosquito Could Invade UK

The mosquito can carry dengue and chikungunya viruses

 

A mosquito that spreads tropical diseases including dengue fever may be poised to invade the UK because of climate change.

The Asian tiger mosquito has already been reported in France and Belgium and could be migrating north as winters become warmer and wetter.

Scientists have urged "wide surveillance" for the biting insect across countries of central and northern Europe, including the UK.

The mosquito can carry dengue and chikungunya viruses, both of which cause high fevers. The infections usually occur in tropical regions of Africa, Asia and South America.

Scientists led by Dr Samantha Martin, from the University of Liverpool, used climate models to predict how changing conditions might affect Asian tiger mosquito distribution.

They wrote in the Journal of the Royal Society Interface: "Mosquito climate suitability has significantly increased over the southern UK, northern France, the Benelux, parts of Germany, Italy, Sicily and the Balkan countries."

The research shows that parts of the UK could become hot-spots of Asian tiger mosquito activity between 2030 and 2050.

The mosquito has been introduced into Europe from Asia via goods shipments, mainly used tyres and bamboo.

Climate change is now shifting conditions suitable for the insect from southern Europe to central north-western areas.

The mosquito could survive in water butts and vases, and may find winter protection in greenhouses, said the researchers.

exploding the common myths about which foods are good for us

Myth: Salt in your diet causes high blood pressure

In the 1940s, Walter Kempner, a researcher at Duke University, North Carolina, became famous for using salt restriction to treat people with high blood pressure. Later, studies confirmed that reducing salt could help reduce hypertension. But you don't have to avoid salt entirely, says Sara Stanner, of the Nutrition Society. "Adults need a small amount of sodium in their diet to maintain the body's fluid balance."

Average salt intakes have come down in recent years, mainly due to product reformulation. But it's still the case that many of us consume too much salt – around 9g a day instead of the maximum recommended dose of 6g per day – around 75 per cent of which is in processed foods such as soups, sauces, sandwiches and processed meat.

"People often think it's really bad to add salt into cooking or on to your plate, but that forms no more than 10 per cent of your total intake," says Stanner. "So you can get people who never have salt at their table, but have a very high salt intake, while others put salt on most meals, but have a lower intake."

Myth: Carbohydrates are bad for you

"Carbohydrate-rich foods are an ideal source of energy. They can also provide a lot of fibre and nutrients," says Sara Stanner. "Potatoes, for instance, are one of the best sources of vitamin C, yet potato consumption in the UK has fallen considerably."

One of the main reasons carbohydrates have fallen out of favour is that they are perceived to be fattening. "Foods high in carbohydrates have had a rough time in the past few years, thanks to the success of low-carb diets, such as the Atkins diet," explains Juliette Kellow.

"But there's no proof that carb-rich foods are more likely to make us gain weight than any other food. Ultimately, it's an excess of calories that makes us pile on the pounds – and it really doesn't matter where those extra calories come from. More often than not, it's the fat we add to carbs that boosts the calorie content, such as butter on toast, creamy sauces with pasta and frying potatoes to make chips."

Myth: Dairy products are fattening and unhealthy

In a study by the Curtin University of Technology in Perth, Australia, slimmers on low- calorie diets which included cheese, yoghurt and milk lost more weight than those on low-dairy diets. Those on the diet including dairy also had the least stomach fat, lower blood pressure and a significantly better chance of avoiding heart disease and diabetes.

Dairy products are packed with essential nutrients that help keep us healthy, says Juliette Kellow. "As well as being good sources of protein, zinc and some B vitamins, dairy products are packed with calcium, a mineral that helps to build strong, healthy bones – and the stronger the bones are, the less likely you'll be to suffer from osteoporosis in later life."

There are loads of low-fat versions of dairy, such as skimmed or semi-skimmed milk, low-fat yoghurts and reduced-fat cheeses, she says – and low-fat versions don't mean less calcium. "Skimmed and semi-skimmed milk actually contain slightly more calcium than full-fat milk."

Myth: Red meat is bad for you

Publishing what it called "the most authoritative ever report of bowel cancer risk" last year, the World Cancer Research Fund recommended that people limit their intake of red meat to 500g a week, or just over a pound in weight. The net result of such studies is always the same – people panic.

But 500g is roughly the equivalent of five or six medium portions of roast beef, lamb or pork. "Red meat is a valuable source of minerals and vitamins, particularly iron, and we know that large numbers of women have such low intakes of this nutrient that they're at risk of anaemia. There's no need for people to think, 'I should be eating fish' when they have a steak,' provided they eat it in moderation," says Sarah Schenker.

Another myth about red meat is that it's high in fat, says Juliette Kellow, dietitian and advisor to Weight Loss Resources. "Thanks to modern breeding programmes and new trimming techniques, red meat is now leaner than ever.

Processed meat of all kinds, however, should be avoided.

Myth: Fresh is always better than frozen

Frozen fruit and vegetables can be more healthy than fresh. "Research shows that freezing vegetables such as peas as soon as they're picked – when they are at their nutritional peak – means they retain higher levels of vitamins, particularly vitamin C," says Sarah Schenker. "Once frozen, the deterioration process stops, locking in goodness. The fresh variety often travel long distances and sit on grocery shelves and along the way, heat, air, water and time can lead to a significant loss of nutrients."

Frozen or canned fruits and vegetables can also be as nutritious as fresh ones, if not more so. Again, they are often packaged within hours of being picked, retaining their nutritional value. "Always check salt and sugar levels though by comparing labels," says Sarah Schenker, of the British Dietitic Association. Even dried fruit can be healthier than fresh. "When you eat dried fruit you usually eat more than the fresh equivalent – for instance six dried apricots instead of three fresh ones. This is more calorific but you get a bigger amount of nutrients," says Schenker.

Myth: Soy eases menopausal problems

For years, the fact that Asian women have fewer menopausal symptoms has been attributed to high levels of soy in their diet. Soy products such as tofu contain natural plant oestrogens and there have been increasing claims that these might help women going through the menopause whose own oestrogen levels are dwindling.

But a University of Miami study has found that soy does nothing to abate hot flushes and bone-density loss. In fact, the women given soy appeared to experience more hot flushes than those given a placebo.

Experts including Dr Malcolm Whitehead, a menopause expert at King's College Hospital in London, aren't surprised. "In my clinical experience, women say this doesn't work for them," he says, adding that HRT is a safe and effective treatment for most women.

Others point to previous studies showing that soy can work, but the British Dietetic Association's Sarah Schenker, says, "This research has always been weak. People got excited about those early small studies, but the more research that was done, the more doubts appeared."

Myth: Brown bread is better for you than white

A darker loaf of bread does not necessarily mean it's made with whole grains – it could simply contain caramel colouring or such a small amount of whole wheat that its nutritional benefits are no different to white bread. "The real health benefits come from eating wholemeal bread instead of white," says Sarah Schenker.

Wholemeal is made from flour containing all the goodness of wheat grains. The outer husk has not been removed, so the resulting bread is much richer in fibre, protein and vitamins B1, B2, niacin, B6, folic acid and biotin. Brown bread, in contrast, is made from finely milled wheat, from which the bran has been extracted.

Look for the words "whole grain" or "100% whole wheat" on packaging and ensure the first ingredient listed is whole wheat, oats, whole rye, whole grain corn, barley, quinoa, buckwheat or brown rice. Seeded bread is even better, since it contains even more vitamins, minerals and healthy fats.

Myth: Everyone needs a lot of protein

Protein is essential for growth and development, but experts agree that most people eat far too much of it. "The Department of Health recommends that protein should make up around 10-15 per cent of your daily diet – that's around 55g for men and 45g for women," dietitian Azmina Govindji says. "Yet, according to the British Nutrition Foundation, men are probably munching their way through an average of 88g and women around 64g."

So what's fuelling this notion that we need so much? "Some diets, such as the Atkins diet, advocate speedy weight loss on cutting the carbs and piling on the proteins", Govindji says.

Another contributory factor is that in the past, it was believed nobody could eat too much protein. In the early 1900s, people were told to eat well over 100g a day and in the 1950s, health-conscious people were encouraged to boost their protein intake. But high protein can put a strain on liver and kidneys and other bodily systems.

police hunt for Michael Brown's missing millions

British police are still trying to trace £18m allegedly stolen by the Liberal Democrats' fugitive donor Michael Brown, who is expected to be extradited to Britain within the next 10 days. Brown, 46, was in a holding cell near Madrid airport on Sunday, having been deported from the Dominican Republic, where he had been on the run from UK authorities for three years. Brown, who gave £2.4m to the Liberal Democrats before the 2005 general election, is not expected to challenge a formal move to extradite him to London which has already been set in motion. He was convicted of theft and false accounting in his absence in Britain in 2008 and sentenced to seven years in jail. Detectives are still trying to trace around £18m of Brown's stolen money, which had been moved between his accounts in the US, Britain and Switzerland, the Guardian understands. Brown was estimated to have stolen more than £60m in a number of frauds. Most of his assets have been accounted for in property deals, a Bentley, a yacht and the private jet once used to fly senior Lib Dems across the UK. However, more than £18m has not yet been accounted for. "The file at Interpol on Brown and his associates remains open," a source told the Guardian. Brown's return will be another embarrassing development in the long-running saga over the Lib Dems' biggest single donation. The party has refused to compensate any of Brown's victims, claiming it received the money in good faith and spent it on the 2005 election campaign. Lib Dem leader Nick Clegg welcomed Brown's return to Britain but said on Sunday that the party would not be returning his donation because the Electoral Commission had concluded the money had been received in good faith. The deputy prime minister, who pointed out that the donation was made before he was elected to Westminster, told BBC1's Sunday Politics: "I'm very pleased he's coming back to serve his sentence. This is a convicted fraudster. "I should stress that this is something which happened as far as the Liberal Democrats are concerned before I was even an MP, yet alone leader of the Liberal Democrats. What I've been told is that the Electoral Commission in 2009 looked at this exhaustively – as far as the receipt of that money by the Liberal Democrats from one of his companies. They categorically concluded that the money was received in good faith and all the controls, all the checks that should have been made were reasonably made by the Liberal Democrats at the time. If we'd been shown wanting on those accounts then of course we should pay the money back." But Brown's return will increase focus on the Electoral Commission inquiry into Brown's donations. The inquiry failed to call the Lib Dems' former treasurer, Reg Clark, who resigned over Brown in 2005 and warned advisers to the former Lib Dem leader Charles Kennedy that Brown should be treated with extreme caution. One of Brown's victims said the Lib Dems should return the money. Tony Brown, managing partner at law firm Bivonas which represents US attorney Robert Mann who lost more than $5m (£3m), said Brown may be asked to give evidence as part of his client's claim against the Lib Dems. "The Lib Dems have refused to repay this money to our client even though they know that this is the proceeds of crime. The Electoral Commission has failed to investigate this properly in our view. So now that Brown is returning to the jurisdiction, we can investigate again and establish the basis on which the Lib Dems received this money." Brown is expected to appear before a Spanish court to confirm his name and will then appear before an extradition hearing within 10 days. City of London police, who first uncovered Brown's fraud, confirmed his deportation. Detective Superintendent Bob Wishart said: "We hope that him facing justice will bring some closure to the victims who suffered as a result of his frauds." A close friend of Brown's told the Guardian on Sunday that he had arrived in Spain on Saturday after "volunteering" for deportation from the Dominican Republic, where he has been hiding for three years under the name of Darren Nally. "He asked to return to Britain. He is going home to face the music," the friend said. Brown appeared to come from nowhere when the party was paid £2.4m in the runup to the 2005 election from his company 5th Avenue Partners. A fast-talking and brash Glaswegian, he had walked into the party's then headquarters in Cowley Street and offered it money. He was not registered to vote, had no interest in politics and had never been a party member, but said he was giving the money to create an even playing field. Brown wined and dined with Charles Kennedy and other party grandees, and used his private jet to fly Kennedy across the country during the election campaign. Former Lib Dem insiders say he dazzled them with stories of Gordonstoun public school, St Andrews University and his connections with royalty and the US government. The truth was that he had attended his local school and completed a City and Guilds in catering at Glasgow College of Food Technology. He had no US government links – although he was wanted in Florida for cheque fraud. He was arrested in late 2005 after four former clients said he had duped them out of more than £40m in a high-yield fraud. His victims included Martin Edwards, the former Manchester United chairman, who had invested £8m with 5th Avenue Partners. The court would later be told that 5th Avenue Partners was wholly fraudulent and Brown had given money to the Lib Dems to give himself an air of respectability while duping his victims. The party had been used as part of his cover story, a judge said. In June 2008, while awaiting trial, Brown fled and a warrant was issued for his arrest. In the weeks before he disappeared, from his Hampstead bail address in north London, he changed his name on the electoral roll to Campbell-Brown and allowed his hair to turn grey. He travelled to the Dominican Republic where he enjoyed a millionaire's lifestyle while on the run. He lived in gated communities yards from some of the most pristine beaches in the Caribbean, drove a series of 4x4 vehicles and was a regular at exclusive golf courses. In Punta Cana, an exclusive resort on the eastern tip of the island, he could often be seen walking his dog – named Charles, after the former Lib Dem leader. He was arrested in Punta Cana in January on unrelated fraud allegations.

Donaldson enjoyed a lavish lifestyle in Marbella and Tenerife, trafficking accused found hiding in loft with £70k in cash

 A SUSPECTED drug trafficker was found by police hiding in a farmhouse loft in Scotland with a bag stuffed with £70,000, a Spanish court was told last week. Ian Donaldson, 32, is accused of helping fund an international drugs ring smuggling cocaine and speed from Spain to Scotland The former amateur racing driver – who drove a Lamborghini with the distinctive Lambo 88 plate – was tracked down to the farm by officers from the Scottish Crime and Drugs Enforcement Agency. Donaldson – who enjoyed a lavish lifestyle in Marbella and Tenerife– is one of six Brits facing court in Madrid accused of making millions from the drugs trade. Detective Inspector James Wallace of the SCDEA told the court: “I arrested him on February 27, 2009. He was hiding in a loft area in a farm building. We also found £70,000 hidden in a bag.” Eight SCDEA detectives gave evidence to the National Court in the Spanish capital last week via a video link from Edinburgh. The court heard Scottish police mounted a surveillance operation after Donaldson, from Renton, Dunbartonshire, was released on bail. Detectives watched him in a series of meetings in Glasgow and Hamilton in April 2009, as he tried to hide the origins of his fortune, prosecutors allege. Donaldson met with fellow accused Mary Hendry and Joseph Campbell and was observed discussing large sums of money and swapping paperwork for a nightclub in Gran Canaria. It was alleged they were secretly plotting to make it look like Donaldson had made some of his wealth from the club. Meetings took place at supermarkets in Glasgow and Hamilton and the Mitchell Library in Glasgow. DI Wallace told the court: “We saw he (Donaldson) was creating a defence for the Spanish charges. “I believe they (Hendry and Campbell) were both subservient to Donaldson, who instructed them on what to do.” The detective said Donaldson and his company IRD Services were also investigated for money- laundering in Scotland. He added: “There is evidence he purchased seven vehicles in Scotland, worth up to £900,000, between 2006 and 2008.” Mary Hendry told the court she only met Donaldson twice for legitimate business meetings. She said: “Joseph Campbell introduced me to Ian Donaldson because I was trying to sell my restaurant. “I met him the next day and he said he was not interested. I never saw him again.” It is alleged Donaldson was the money man for a gang of drug smugglers based in Tenerife and Marbella, led by Glaswegian Ronald O’Dea, 45. The gang are alleged to have spent millions on luxury villas, fast cars and yachts. In October 2008, police seized a a haul of amphetamines worth £660,000 heading to Scotland after stopping a lorry in Oxfordshire. Donaldson, Hendry and O’Dea share the dock in Madrid with fellow Scot James MacDonald, 62, and Londoners Steve Brown, 45, and Deborah Learmouth, 49. The gang face charges ranging from drug-trafficking to money-laundering. They deny all charges. Two other defendants – Brian Rawlings and Joseph Campbell – failed to show up at the trial. The judges will give their verdict at a later date.

Wayne Rooney launches phone-hacking claim

Wayne Rooney and England rugby union World Cup winner Matt Dawson are among the new wave of high-profile figures suing Rupert Murdoch's News International over alleged News of the World phone hacking. The England and Manchester United football star, his agent Paul Stretford, Dawson, now a BBC rugby commentator and Question of Sport team captain, actor James Nesbitt and Sir John Major's former daughter-in-law, Emma Noble, are among 46 new phone-hacking cases filed at the high court in London. Times Newspapers, the News International subsidiary that publishes the Times and Sunday Times, is also facing its first civil damages claim, from Northern Ireland human rights campaigner Jane Winter, who is also suing NoW publisher, News Group Newspapers. Winter's claim is related to an article in the Sunday Times in August 2006, her solicitor confirmed. A reference to the article was made in a witness statement she submitted to the Leveson inquiry in February. Winter alleged in evidence to the inquiry that her emails to the former British army intelligence officer Ian Hurst were hacked by NoW. A News International spokeswoman said Winter's case would be "defended vigorously". Others who have filed claims in the past few days seeking damages for alleged invasion of privacy from News Group, the News International subsidiary that published the now-closed Sunday tabloid, include former Conservative cabinet minister and chief whip Lord Blencathra and former Fire Brigades Union general secretary Andy Gilchrist. The list of new claimants also features Michelle Bayford, the former girlfriend of the victim of the 2006 so-called "elephant man" drug trial case. Her then boyfriend, Ryan Wilson, spent three weeks in a coma and lost all his toes and parts of his fingers to gangrene. Another claimant, Anne Colvin, was a witness in the Tommy Sheridan perjury trial. At a case management conference at the high court in London , Hugh Tomlinson QC, representing victims of alleged phone hacking, told Mr Justice Vos that he had 44 new cases filed while two others had submitted their claims via another legal representative. The court also heard that law firm Harbottle & Lewis has a number of "sensitive clients" who wish to remain anonymous. It is expected that up to 200 new claims will be filed over the coming months, Tomlinson told the court in a previous hearing. Claims filed in the past week bring the number of new cases against News International to 46. This figure includes earlier claims filed by public figures including Cherie Booth, Alex Best, the former wife of the late footballer George Best, and Colin Stagg, the man wrongly accused of murdering Rachel Nickell. Others who have filed claims include comedian Bobby Davro, actor Tina Hobley's former husband Steve Wallington, TV personalities Jamie Theakston and Jeff Brazier, the former boxer Chris Eubank, and footballers Peter Crouch, Kieron Dyer and Jermaine Jenas. The cases are part of a second wave of civil actions which Vos is managing following the settlement of more than 50 cases earlier this year including claims by Jude Law, Charlotte Church and Lord Prescott. Tomlinson did not disclose the names of the claimants on Friday, but court documents show that new cases submitted to the high court in the past week bring the number of new actions faced by News International to nearly 50, a number that is expected to rise considerably. Tomlinson told the court that News International had received 100 requests for discovery of preliminary disclosure. He said there were 4,791 potential phone-hacking victims, of which 1,892 had been contacted by the police. The police believed 1,174 were "likely victims". Court 30 in the Rolls Building of the high court was packed, with more than 50 law firms acting for victims. Vos said there were 58 firms of solicitors representing only 100 victims, which he told Tomlinson was "unbelievable". The judge added that he wanted to ensure costs are reduced for claimants. "Many of them have seen the light and have instructed lawyers who have specialist knowledge of this case," said Vos. He suggested possible tariffs of costs for each element of the legal action. This would mean fresh claimants could access to information relating to the News of the World's phone-hacking activity already produced on discovery in earlier cases, without incurring the costs associated with a full action. "I will have no sympathy for outrageous cost estimates," he said. "A claimant is entitled to have a solicitor, but what he is not entitled to have is a solicitor who knows nothing about the case and charges the defendant for that."

Britons living overseas defrauded 43 million pounds in benefit fraud in 2011

The British Secretary of State for Work and Pensions, Iain Duncan Smith, has been visiting the Department of Work and Pensions benefits and healthcare team in Madrid. He warned Britons living abroad not to break the strict rules on what benefits they can and cannot claim. People who are pretending to live in the UK so they can collect benefits, but in fact are living overseas cost the British taxpayer 43 million pounds last year. Most of the reports of such benefit fraud came from Spain. Iain Duncan Smith commented, “We are determined to clamp down on benefit fraud abroad, which cost the British taxpayer around £43 million last year. This money should be going to the people who need it most and not lining the pockets of criminals sunning themselves overseas. The vast majority of British people overseas are law abiding, but fraudulently claiming benefits while living abroad is a crime and we are committed to putting a stop to it.” He also encouraged Britons to use the dedicated Spanish hotline to report benefit thieves. 900 554 440 or you report a benefit fraud here. The hotline has resulted in 100 people being sanctioned or prosecuted, and 134 more cases are currently under investigation. 3.1 million pounds in over payments of benefit have been identified and will be reclaimed. Source – UK in Spain - http://ukinspain.fco.gov.uk/en/news/?view=News&id=754530182 Duncan Smith made the most of his visit to Madrid and took the chance to meet with Health Minister, Ana Mato, and the Mayor of Madrid, Ana Botella. They discussed the response to the crisis with Duncan Smith calling for an end to the culture of ‘unemployment and dependency’, increasing the control on public spending and eliminating ‘the subsidies which don’t resolve problems because in some cases ‘they trap the poor’.

Anti-Corruption prosecutors to be strengthened in Málaga

 

The State Attorney General, Eduardo Torres-Dulce, has said that there are plans to designate ‘one or two prosecutors’ more to the specialist Anti-Corruption section in the province of Málaga. He made the comment at an event where Juan Carlos López Caballero took possession as Chief Prosecutor for Málaga, a job which he was sharing with his post as Delegate from the Anti-Corruption Prosecutor, where three prosecutors work. There have been complaints from prosecutors that only 8% of civil servants who work for the administration of justice do so in the prosecutors’ office, a number described as ‘totally insufficient’.

Health Minister announces crackdown on foreigners using the Spanish Health Service

The cabinet on Friday decided to crack down on foreigners using the Spanish Health Service as part of an additional 7 billion € of cuts. They intend to toughen the conditions for inclusion on the Padrón census. Minister for Health, Ana Mato, said ‘We are going to end the abuses committed by some foreigners’. She is going to change the Ley de Extranjería which intends to put a limit to the so-called ‘health tourism’, which has seen family members of foreign residents to come to Spain ‘exclusively’ to receive health attention. Ana Mato insisted that from now it will not be so easy to come to Spain, sign the Padrón census, and obtain a health card, as it has been. ‘Just getting on the Padrón they all had the right to the health card’, said the Minister. ‘Now there will be a series of additional requirements when the Padrón is issued’. She said to guarantee the universality of the Health Service ‘for all the Spaniards’ it was necessary to stop the illegal and undue use which some foreigners have been making of this service. On Thursday the Minister met with the regions and they agreed on a new article which will ‘explicitly prohibit a person moving regions in search of health attention'. The Minister considers these measures will do away with health tourism and save 1 billion €. Ana Mato also said that she was going to revise some international conventions on the matter, given that ‘many’ countries do not repay the money they owe Spain for the health attention given here to their citizens. Among the other measures approved, the end of paying for some medicaments ‘with little therapeutic value’. A list of included medicines accepted nationally is to be prepared. The Minister said ‘We all have to collaborate with those who having a worse time’.

Ryanair threatens surcharge on flights to Spain

 

Millions of its passengers – who have already booked and paid for their flights in full – may now be asked to pay an extra fee upon departure, or be told they are not allowed to board. The airline sent an email to customers this week warning them of the backdated fare. “We may be forced to debit passengers for any government imposed increases in airport charges prior to your travel date,” its message read. “If any such tax, fee or charge is introduced or increased after your reservation has been made you will be obliged to pay it (or any increase) prior to departure”.

France and Germany want to suspend the Shengen Agreement

They say they want a temporary suspension while the crisis continues. Spain will being introducing border restrictions during the European Central Bank meeting in Barcelona at the start of May.Angela Merkel and Nicolás Sarkozy - The Interior Ministers of France and Germany have written a joint letter in which they call for the reform of, and ‘temporary suspension’ of the Schengen agreement which allows for the free movement between most member states of the EU. They say the change is necessary ‘to control the massive flow of immigrants’. The call comes just ahead of the 25th anniversary of the treaty this coming Monday, although many countries signed up in March 1995. France and Germany consider that a ‘temporary suspension’ is needed during the crisis, and Paris and Berlin speak of ‘provisional’ closure of frontiers, and only when a country in the Schengen space cannot control the flow of immigrants. They say they will give the details to their European partners at the next conference. Meanwhile Spain has announced the suspension of the Schengen Treaty and the re-establishing of frontier controls with France ahead of the European Central Bank meeting which is to be held in Barcelona on May 3. It has not yet been decided how long the border restriction will remain in place, but say it will allow the authorities to act if there is ‘a serious threat to public order or interior security’. The measure will only affect the frontiers between Spain and France from the Basque Country to Cataluña. Reports indicate that it was the Catalan Government to step up the controls in the face of possible disturbances and the arrival of anti-system protestors from other countries in Europe.

10 things not to say to someone when they're ill

'People really did feel the need to reassure me that my hideousness was plain to see.' Illustration: David McCoy for the Guardian

What no one ever tells you about serious illness is that it places you at the centre of a maelstrom of concerned attention from family and friends. Of course it does. That's one of the nice things. It's actually the only nice thing. But it's also a rather tricky challenge, at a time when you may feel – just slightly – that you have enough on your plate. Suddenly, on top of everything else, you are required to manage the emotional requirements of all those who are dear to you, and also, weirdly, one or two people who you don't see from one year to the next, but who suddenly decide that they really have to be at your bedside, doling out homilies, 24 hours a day. It's lovely to hear from people when you're ill. But it's also lovely when they add: "No need to reply." The biggest shock, when I was diagnosed with cancer the summer before last, was quickly observing that people can be quite competitive in their determination to "be there for you", and occasionally unable to hide their chagrin when some other chum has been awarded a particularly sensitive role at a particularly sensitive medical consultation. Nobody means to be intrusive or irritating. It's all done with the finest intentions. But, God, it's a pain. Yet by not saying 10 simple things, you too, can be the friend in need that you want to be.

1 "I feel so sorry for you"

It's amazing, the number of people who imagine that it feels just great to be the object of pity. Don't even say "I feel so sorry for you" with your eyes. One of my friends was just brilliant at mimicking the doleful-puppy-poor-you gaze, and when I had been subjected to a sustained bout of it, I used to crawl over to the local pub for lunch with him, just so that he could make me laugh by doing it. Don't say "I feel so sorry for you" with your hand either. When someone patted my thigh, or silently rested their paw on it, often employing the exasperating form of cranial communication known as "sidehead" at the same time, I actually wanted to deck them. Do say: "I so wish you didn't have to go through this ghastly time." That acknowledges that you are still a sentient being, an active participant in your own drama, not just, all of a sudden, A Helpless Victim.

2 "If anyone can beat this, it's you"

Funnily enough, it's not comforting to be told that you have to go into battle with your disease, like some kind of medieval knight on a romantic quest. Submitting to medical science, in the hope of a cure, is just that – a submission. The idea that illness is a character test, with recovery as a reward for the valiant, is glib to the point of insult. Do say: "My mum had this 20 years ago, and she's in Bengal now, travelling with an acrobatic circus." (Though not if that isn't true.)

3 "You're looking well"

One doesn't want to be told that one's privations are invisible to the naked eye. Anyway, one is never too ill to look in a mirror, and see a great big moon-face, bloated with steroids and sporting the bright red panda eyes that are triggered by that most aggressive and efficient of breast-cancer drugs, Docetaxel. I knew I looked like death warmed up, not least because I felt like death warmed up. Nobody wants to be patronised with ridiculous lies. They are embarrassing for both speaker and listener. If your sick pal wants to discuss her appearance, she'll ask you what you reckon. It'll be a leading question, so take your cue from her.

4 "You're looking terrible"

 

I know it sounds improbable. But people really did feel the need to reassure me that my hideousness was plain to see. One person told me that while I'd put on a lot of weight, I'd of course be able to go on a diet as soon as I was better. I wouldn't have minded quite so much, if she hadn't arrived bearing a giant mound of snacks and cakes, a great, indiscriminate pile of stuff that suggested she'd been awarded four minutes in Whole Foods by Dale Winton, in a nightmarish haute-bourgeois version of Supermarket Sweep. And, in fact, I haven't gone on a diet. Somehow, being a size 10 doesn't seem tremendously importantany longer. On the other hand, when I said: "Don't I look monstrous?" I was asking people to help me to laugh at myself – which many did – and to tell me that this too would pass. One of my friends took photographs of me, behind a curtain in the hospital, looking comically interfered with by surgeons, and festooned with tubes and drains full of bloody fluid. We laughed so much that I probably came nearer to death right then than at any other point.

5 "Let me know the results"

 

Oddly, one doesn't particularly want to feel obliged to hit the social networks the moment one returns from long, complicated, stressful and invasive tests, which ultimately delivered news you simply didn't want to hear. Of course, this request is made because people are worried. But, a bit of worry is easier to bear than the process of coming to terms with news that confirms another round of debilitating, soul-crushing treatment. If people do want to talk about such matters, they really need to be allowed some control over when, how and to whom. Contacting their very nearest and dearest instead is fine, as is volunteering to spread the bad tidings to others who are also anxious.

6 "Whatever I can do to help"

Apart from anything else, it's boring. Everybody says it, even though your assumption tends to be that people do want to help, of course. That doesn't mean that help should not be offered. But "Can I pick the children up from school on Tuesdays?" or "Can I come round with a fish pie and a Mad Men box set?" is greatly preferable to: "Can I saddle you with the further responsibility of thinking up a task for me?" If you do happen to be on the receiving end of "whatever I can do to help", be shameless. Delegate with steely and ruthless intent.

7 "Oh, no, your worries are unfounded"

Especially when those worries are extremely founded indeed. Like a lot of women, when I was first diagnosed, I was disproportionately focused on the prospect of losing my hair. One friend, every time I tried to discuss this with her, would assert – baselessly – that this wasn't as likely to happen as it used to be. Actually, it's still very likely, and indeed it came to pass. But the crucial thing was this: I didn't want to talk about how pointless it was to be fearful. I wanted to talk about how sorely I dreaded the day when I was bald. When people want to talk about their fears, they want to talk about their fears, not to be told, quite blatantly, that their fears are imaginary. Even when they are imaginary, there are more subtle ways of offering assurance than blank rebuttal. Usually, an ill person brings something up because they feel a need to discuss it. Denying them that need is a bit brutal.

8 "What does chemotherapy [for example] feel like?"

 

It is staggering, the number of people who find it impossible to restrain their curiosity. Swaths of folk appear to imagine that exactly what you need, in your vulnerability, is a long and technical Q&A during which you furnish them with exhaustive detail pertaining to the most shit thing that's ever happened to your body in your life. If someone wants to talk about their procedures or their symptoms, they will. If you have to ask questions, that's prima facie evidence that this is not what they'd discuss, if only they could be gifted with just a smidgeon of control over the conversational initiative. Again, the golden rule is: take your lead from the person undergoing the experience. I tended to want my mind taken off all that stuff, and have a nice chat about nice things. One of my friends, asked by another what she had been up to lately, found herself saying she'd had a great time visiting Deborah in hospital after her mastectomy. It had indeed been a lively visit. Eight lovely people had turned up all at once, and it had been quite the rambunctious gathering. When she told me that it had been an absurd social highlight for her, I felt fantastically proud.

9 "I really must see you"

Don't say it, particularly, if you are then going to indulge in some long and complicated series of exchanges about your own busy life and the tremendous difficulty you have in finding an actual window, even though this appointment is so awfully important to you. At one point, I was sitting in a chemotherapy suite, large and painful cannula in the back of my hand, pecking out texts to somebody who had to sort something out this week, and wouldn't take "Let's do this later" for an answer. When I reluctantly picked a particular time from the list she had bossily pinged over, she replied that she'd have to bring her toddler son with her if itreally had to be then. I knew I couldn't handle a tiny visitor (and wasn't sure about the ability of the tiny visitor to handle it either), so we then arranged something else. A few days later, at the very time of predicted childcare crisis, I saw a tweet from her, declaring that she was wearing a new cocktail dress and held up in traffic on her way to a long-anticipated and very glamorous do. She had clearly just buggered up her dates and didn't want to say: "Whoops. Actually, I'll be at a PA-A-ARDEEEEE." Fair enough. Sweet, really. Nevertheless, the planning thing is an arse. I liked it when people just said, "Can I come by after work this evening?" or, even better, "I've got tickets to the theatre on the 25th. Tell me on the day if you can face it."

10 "I'm so terribly upset about your condition"

One friend, when I told her the initial news, blurted out: "I can't cope without you!" and unleashed a flood of tears. (I hadn't sobbed myself at that point. I never did.) Ages later, when she emerged from the loo at the pub I had designated as Telling People HQ, she explained that she'd been caterwauling unrestrainedly when a kind lady asked her what was wrong. Having sketched out her troubles, she got this reply, or something like it: "What? You're weeping in the lavatory, while your friend is in the bar having breast cancer? Pull yourself together, and get out there." This had inspired another torrent of waterworks. And that is the most important thing to remember, when your friend is facing a frightening and possibly fatal illness: it's not, not, not about you. If you're too upset to be in a position to comfort your friend, send cards, send flowers, send presents. But don't send your ailing chum a passionate storm of your own wild grief, personally delivered. It's a little too needy, under the circs.

If you recognise things that you have said or done yourself within this list, don't feel bad about it, at all. I most certainly have, and I've said and done much, much worse too; it took being on the receiving end before I realised what it could feel like. The thing is this: giant illness is a time of great intensity, and even the most cack-handed expressions of support or love are better than a smack in the face with a wet tea-towel. People feel helpless when they see that their friend is suffering. Sometimes – often – they say the wrong thing. But they are there, doing the best that they can, at a terrible, abject time. That's the most important thing of all. I look back on those grisly moments of ineptitude and clumsiness with exasperated amusement and tender, despairing, deep, deep fondness. The great lesson I learned from having cancer, was how splendid my friends were, whatever their odd little longueurs. They all, in their different ways, let me know that they loved me, and that is the most helpful thing of all. I'm so lucky to have them.

Energy-rich Qatar seeks la dolce vita with purchase of luxury resorts on Italy’s Sardinia isle

Qatar signed a deal Monday to buy the operator of four luxury resorts and other properties on the island of Sardinia as the wealthy Gulf emirate looks to bolster ties with Italy. The purchase coincided with a visit to Rome by the country’s emir. It is the latest deal in a European shopping spree that has given the natural-gas rich state a stake in European banks, energy companies and some of the continent’s best known brands. 0 Comments Weigh InCorrections? Personal Post State-owned Qatar Holding, an arm of the country’s sovereign wealth fund, said it will acquire resort operator Smeralda Holding from Los Angeles-based real estate investment firm Colony Capital. The deal includes the Cala di Volpe, Pitrizza, Romazzino and Cervo hotels, a marina and shipyard, a golf club and a 51 percent interest in 2,290 hectares (5,660 acres) of undeveloped land nearby. Qatar Holding plans to keep Smeralda’s existing management, and said Starwood Hotels and Resorts Worldwide Inc. will continue to run the hotels. Financial terms were not disclosed. The deal must still be approved by Italian regulators. The deal was announced as Italian Premier Mario Monti held talks with Qatar’s emir Sheik Hamad bin Khalifa Al Thani at a government villa in Rome. Monti hailed the visit as way for the countries to strengthen their friendship. “I am very happy for this meeting because it was (an) occasion to consolidate a strategic relationship between the two countries,” Monti told a news conference after the talks. The emir told reporters that Qatar’s sovereign fund is looking for ways to invest in Italy. When asked what factors discouraged investment in Italy, the emir said “corruption, first of all,” according to Monti. Among the accords signed Monday was one aimed at boosting efforts to fight graft and crime. Another raises the number of passenger flights between the countries from 14 to 35 weekly, and cargo flights from two to seven, Monti said. Monti promised Italian help to Qatar as it prepares to host soccer’s 2022 World Cup. “Italy has unique know-how and can contribute to the success” of the sporting event, the Italian leader said. Over the past several years, Qatar has used its vast energy wealth to amass a diverse portfolio of European properties. Its holdings on the continent include stakes in Barclays PLC, Credit Suisse Group, Volkswagen AG, and the London Stock Exchange. It acquired stakes in Spanish power utility Iberdrola SA and electric company Energias de Portugal last year. Qatari investors control French soccer team Paris Saint-Germain and Spanish club Malaga, while the logo of state-sponsored nonprofit Qatar Foundation graces the jerseys of another Spanish team, Barcelona.

Laser attacks on planes are surging, warn aviation officials

 

The Civil Aviation Authority (CAA) is warning of a global surge in laser attacks on planes after almost 2,000 incidents were reported in the UK last year. There were 153 incidents at Heathrow in 2011 involving lasers being shone towards aircraft. The second most affected airport was Manchester with 148 incidents, while Birmingham had 143 and Glasgow 107. Liverpool's John Lennon airport had 90 incidents. Throughout the UK last year, the CAA said there were a total of 1,909 incidents, whereas in 2005 there were just 20. At John Lennon airport, a crew member was temporarily blinded as the plane landed following a laser being shone into the aircraft. In October last year, a jumbo jet whose pilot was trying to correct an error after dropping to 300 metres (1,000ft) had a laser shone at it. Incidents in Liverpool peaked during a five-week period last summer, when there were 30 separate laser reports made by pilots who were passing over residential areas as they prepared to land. A CAA spokesman said: "We are currently seeing a global surge in incidents of lasers being deliberately shone at aircraft on final approach to airports. "The aviation industry and the police are doing everything possible to combat the problem and we strongly urge anyone who sees a laser being shone in the night sky near an airport to contact the police immediately." He added: "It's a serious problem and has been getting worse over the last three years. Largely due to the availability of lasers on the internet and the relatively cheap price." Since 2010, shining a laser or light at an aircraft in flight has been a specific criminal offence. The CAA said it needed the public's help to stop the potentially dangerous attacks and urged anyone to contact the police if they witnessed lasers being pointed at planes. The CAA said UK aviation enjoyed an "excellent" safety record because of an open culture of reporting incidents. A spokesman for John Lennon airport said incidents involving flights were few and far between. He said: "JLA is extremely proud of its safety record, which for the period 2007-2011 includes almost 400,000 aircraft movements, accommodating in excess of 25 million fare-paying passengers. "The report from the CAA relating to Liverpool John Lennon airport needs to be put into context as it will include all manner of incidents, many far less serious than others, as well as including incidents occurring away from the airport, but relating to aircraft that originated from here or heading to Liverpool." Ryanair and easyJet flights were targeted as they came in to land at Liverpool at altitudes as low as 150 metres (500ft). One pilot described how the laser "lit up the cockpit" and had a "significant impact" on the flight crew's night vision. An Airbus jet was targeted twice with the first officer's vision "impaired" by the strength of the beam. The captain of another flight needed a medical checkup after "a direct strike to the right eye". In February 2010, a 16-year-old was fined £250 after admitting to shining a laser pen, purchased on eBay for £8, into the cockpit of an easyJet flight from Belfast to Liverpool.

Thousands of British expats are on the brink of losing everything after being duped by unscrupulous financial advisers.

 

The cowboys have persuaded thousands of  our vulnerable pensioners — many in their 80s and 90s — to give up huge stakes of their property in exchange for investments that will never make a penny. 

The schemes are often sold by rogue financial advisers who exploit weak consumer laws on  the Continent by falsely claiming to be bona  fide accountants.

Most of the victims are Britons who retired to Spain or France and wanted to use the cash in their homes to help with soaring living costs. 

John Parsons, founder of the Costa del Sol Action Group that is helping some of the victims in Spain, says: ‘The effect of all this worry is enormous. The stress has brought on a lot of serious health issues and they are extremely worried about their futures.

‘These people were not greedy or stupid. They were on fixed pensions and being financially squeezed, so jumped at the possibility of solving that situation.’

The latest crisis follows a Money Mail  investigation in 2008, which exposed how hundreds of British pensioners living on the Costa del Sol had gambled their homes in a risky equity-release scheme run by failed Icelandic bank Landsbanki.

Now we can reveal how thousands more pensioners have fallen for other risky equity-release schemes on the Continent and are being hounded by banks demanding hundreds of thousands of pounds.

 

 PREYED ON BY  ROGUE SALESMEN

During the property boom at the start of this century, around 100,000 pensioners left Britain to live out their days in southern France and Spain — attracted by a warmer climate and cheaper way of life.

Many had a small pension, but hundreds of thousands of pounds from the sale of their UK home, which had soared in value over their lifetime.

This money was used to supplement their incomes and buy a new home abroad. But soon after they moved, the cost of living in some areas soared as hundreds of thousands of Britons and Germans bought second homes.

Many pensioners found they needed extra cash, and became easy prey for unregulated financial advisers who had left Britain to tap into the new wealth in these regions. 

Local rules meant they were able to act unchecked, selling investments from banks based anywhere in the world.

Sometimes they claimed to be chartered accountants, but were not — many had never even registered with local authorities. 

In Spain in particular, these advisers could largely sell whatever they wanted — including types of investments and equity-release schemes outlawed in the UK. These paid handsome commissions that could net advisers a £50,000 payday.

Banks offering equity-release loans included Icelandic bank Landsbanki, Scandinavian banks Nordea and Sydbank, and UK private bank Rothschild. However, Money Mail understands they are not the only banks involved.

The majority of victims were told they could borrow the entire value of their property. The loan would incur interest, typically of up to 6.5 per cent. It meant that after ten years, a €500,000 (£412,667) loan would balloon to €681,240 (£562,251). To offset this, a large chunk — usually around 75 per cent of the loan — would be invested in a fund sold by the adviser. 

Pensioners were told returns would be so good that not only would they cover the interest on the equity release, but give the borrowers a little extra to spend.

INVESTMENTS THAT TURNED TOXIC

But the promises made turned out to be very different to the theory. This meant returns did not cover the cost of the interest repayments on the equity release. 

As the fund fell in value, it ate into the capital that borrowers needed to repay the debt. Charges for fund managers and commission also reduced the returns further. 

Worse was to follow when house prices in Spain fell. They had risen by 44 per cent between 2004 and 2008, when many of the victims had bought their homes. They have since plummeted by around 20 per cent.

Those who had borrowed almost all of their property value were soon in negative equity — where the value of the property value was less than the money owed on it — leaving them unable to sell to clear their debt. 

In theory the borrowers were expected to pay off their loan at the end of four years. But because the value of the investments plunged so low, it triggered small print in the equity-release contract that allowed banks to demand repayment early.

In the case of those expats with Landsbanki, the bank collapsed and the investment fund was snatched by company liquidators. Then a further problem struck — the value of the pound plunged against the euro. 

Many of the victims were paid pensions in pounds and relied on converting the money into euros every month. The drop meant the value of their pensions fell by a third.

RETIREMENT DREAMS LEFT SHATTERED

Campaigners estimate thousands of British pensioners have lost money through these schemes. Former actress Julia Hilling, 88, fears her home will be swallowed up in repayments to her mortgage from Rothschild Bank.

She was sold the mortgage in 2005 by a Malaga-based British financial adviser. Today, this company is classed as unauthorised by the Spanish authorities. Her property was valued at €300,000 (£249,966) and she took out a loan for €262,000 (£217,827). Around €17,000 (£14,138) was used for living expenses and she put €245,000 (£203,693) in an investment fund. 

Tempted: Julia Hilling, pictured was an actress in the 1940s, says she went for a scheme because she needed to pay bills

Mrs Hilling, who starred in musicals in the Forties and in revues with Sir Bruce Forsyth at the Windmill Theatre, London, had never invested or even had a mortgage before. 

Since 2005, the fund has plunged by around a third and will no longer cover her mortgage. She owes €330,000 (£274,362) and the debt continues to grow. Mrs Hilling says she is unable to cover these costs and fears the bank will take her property when she dies.

‘I needed the money desperately to pay everyday bills while I was out here, as I didn’t want to rely on my family,’ she says. 

Rothschild told Money Mail it would not repossess Mrs Hilling’s home. It stressed it had not sold the investment to her and was not demanding repayment nor had it paid commission. It urged her to contact the bank. 

Another victim is Eric Mould, 64, who after a career in sales moved to a seaside villa in Puerto Banus, near Malaga, in 2007. He and his wife Mary, 60, sold their four-bedroom detached house in the UK to buy a three-bedroom villa with a swimming pool for €1,188,000 (£990,000).

But five years later they are living in a friend’s flat in the town and battling to pay €2,100 (£1,745) a month in mortgage repayments to Danish bank Nykredit.

Shortly after arriving in Spain, the couple borrowed €1 million against their villa with the bank. They say the British financial adviser who sold them the equity-release mortgage told them it would be a ‘win-win’ situation.

They were told they could free up hundreds of thousands of pounds from the mortgage, and the fund would pay off the loan. They believed the investment they were sold separately through Danish bank Sydbank would leave a little extra to boost their pensions.

To cover the mortgage, the Moulds have rented out their dream home. Their friend is letting them live rent-free in the apartment. The couple fear it is only a matter of time before their home is repossessed. And because property values have dropped, they could lose up to €300,000 (£249,966)

‘This has totally devastated us. It is heart-breaking — we face losing the home we worked for a lifetime to buy,’  says Mr Mould. 

Sydbank would not comment on  the case.

Others who took out equity-release schemes with collapsed Icelandic bank Landsbanki have been told it will settle — as long as they pay part of the money owed, in some cases hundreds of thousands of pounds.

One couple, Linda and Frances Barlow, aged 63 and 75, who live in Nice in the south of France, believe the bank’s liquidators will repossess their home by May unless they stump up €1.3 million (£1.08 million).

The liquidators proposed a compromise deal, but it would have required the couple to find €500,000, which they do not have.

The Barlows took only a small proportion of the loan as cash. The rest was invested by the bank, and lost when it collapsed in 2008.

‘We wanted some cash to renovate,’ says Mrs Barlow, a musician from London. ‘We didn’t want to take out a big loan, but the financial adviser told us we were foolish to be sitting on an asset and that we should get an equity release to have an income. Now we are going to lose everything.’

Pensioners fight to keep their homes

Scores of pensioners have launched legal action against the banks and financial advisers who sold them the loans. Solicitor Antonio Flores, of Spanish law firm Law Bird, who is representing some of them, says: ‘Many people are left with huge bills and in fear of losing their homes.’

In February, the European Commission announced plans for an independent ombudsman to deal with mis-selling cases against financial advisers working in the Costa del Sol.

Meanwhile, the Foreign and Commonwealth Office has issued official warnings about mortgage schemes advertised as a way of cutting tax bills.

Any expats thinking of signing up to an equity-release scheme in Spain should check the company is registered with the agency in charge of the Spanish stock market, the Comision Nacional del Mercado de Valores (CNMV).

It will also provide a list of companies that are not authorised to operate in Spain and those that have warnings issued against them. 

Remember to seek independent legal advice before signing a contract.

If you believe you have been a victim of a fraud involving an equity-release scheme, then register a statement with the police.

Seek independent legal advice about taking action through the courts.

If you wish to complain about the performance of your investments, you should first complain to the equity-release company.

After two months, if you are not happy with the response, take your complaint to the Spanish Investors’ Complaints Office: Oficina de Atención al Inversor, Miguel Ángel 11, 28010 Madrid. 

There is also an office at Paseo de Gràcia, 19, 4ª Planta, 08007 Barcelona.

THE FIGHT TO KEEP THEIR HOMES

Crisis-hit Greece rents police for €30 per hour

Greece is offering a ‘cop-for-hire’ service, renting out policemen for €30 per hour, plus €10 if you want a police car too. It triggered fears that security of people who cannot afford a policeman for hire may be affected in favor of those who can. This new way for the cash-strapped Greek state to raise money will "pay for the cost of using police materials and infrastructure, and allow to modernize them", the Ministry of Citizen Protection said in a statement. The Police services on offer were previously used in "exceptional cases" – escorting the transportation of dangerous material or art works and were free of charge. Now, Police services have a price-tag. If you need something special the hourly fee for patrol boats is €200, and €1500 for helicopters, according to the Proto Thema newspaper. Even though the ministry said it would only accept such hires if they do not affect the security forces' operational capacity, only those with the cash will benefit from the initiative. The newspaper says the less wealthy will be left to deal with crime by themselves. The financial crisis left Greece with rising unemployment, a fast-growing crime rate and a surge in illegal immigration. Security has substantially deteriorated in the Greek capital in recent years, with previously safe and calm neighborhoods of the city becoming literally off limits after nightfall.

Vinnie Jones heads to Marbella

Vinnie Jones is heading to Marbella for a role as a twisted garrotte killer. The British actor and ex-footballer – who was once given a yellow card after just three seconds on the pitch – will play a lead in gangster movie Shill, to be filmed entirely on the ‘Costa del Crime’. “Jones plays Branch, a guitar-playing nutter who chokes his victims with his strings,” said Shill writer and producer Paul Grimshaw, who based the film on his own experiences. The Shill actors will meet investors at Marbella Film Festival in October this year, with filming set for spring 2013. “We’ll be filming over a six-week period which will be a chance for some real star-spotting in Marbella,” said Grimshaw, who has worked as an estate agent in Marbella for 20 years. The film – also likely to star Tom Hardy – focuses on ‘shill bidding’, online fraud which involves falsely inflating prices of goods sold on auction sites such as eBay. Having made ten million pounds in cash, the team embark on a spending spree to Marbella to hide the money from the law. But after Shill makes a deal with crime baron Drake, a bloody and brutal mutiny is unleashed

Man in court on murder bid charge

 

A man will appear in court charged with attempted murder following a bottle attack at a celebrity-packed party thrown by smartphone company BlackBerry. A 37-year-old man remains in a critical condition in hospital following the incident at Pulse nightclub in Southwark, central London. Ashley Charles, 25, of Nevanthon Road, Leicester, will appear at Camberwell Green Magistrates' Court in connection with the incident. The party on Tuesday night was attended by journalists, celebrities including rapper Wretch 32 and stars of The Only Way Is Essex and BlackBerry competition winners. Brit award-winning singer Jessie J had been performing at the party before the bloody brawl and spoke of her shock on Twitter.

Emails sent to the Big Pictures agency in 2010 and 2011 contained the flight details of dozens of celebrities, including Madonna, Princess Beatrice and Sienna Miller.

Richard Branson's airline Virgin Atlantic is under mounting pressure to explain how an insider was apparently able to pass the confidential flight details of as many as 70 celebrities to a major paparazzi agency. Emails sent to the Big Pictures agency in 2010 and 2011 contained the flight details of dozens of celebrities, including Madonna, Princess Beatrice and Sienna Miller. Some of the figures alleged to be affected are friends of Sir Richard and his family and the allegations could prove hugely embarrassing for the tycoon, who is known for his close ties to the world of show business. A senior employee is understood to have resigned on Thursday after initial allegations that she passed on the flight details of eight celebrities including the singer Cheryl Cole and her former husband, the Chelsea footballer Ashley Cole, singer Robbie Williams and actress Scarlett Johansson. The airline launched an internal investigation and insisted it had "robust processes in place to ensure that passenger information is protected". But yesterday another cache of emails came to light that suggested that dozens more famous passengers may have been subject to the privacy breach. Emails seen by the Press Gazette contained the flight details of dozens of celebrities ranging from film stars Charlize Theron and Kate Winslet to Top Gear presenters Jeremy Clarkson and James May. The emails, sent over several months, suggest a degree of familiarity between the two correspondents. In one, Big Pictures allegedly wrote to the Virgin insider, understood to be a supervisor of Upper-Class passengers, saying it was "trying to sort you out some money with accounts". One email, reportedly containing details of a return flight from Heathrow to Newark taken by Borat actor Sacha Baron Cohen and his actress wife Isla Fisher, included the comment: "They're in economy!!!!!!" Big Pictures also appears to have been given an anonymous tip-off about a flight taken by people referred to as "Madonna's kids". In a statement issued on Thursday, Virgin Atlantic called the allegations "extremely serious" and said it had launched an immediate investigation. Virgin Atlantic's spokeswoman could not confirm whether Virgin Group chairman Richard Branson would be personally apologising to the celebrities affected and refused to comment any further pending the outcome of an investigation. The allegations are hugely embarrassing for an airline that markets itself as a glamorous alternative to other long-haul carriers and is known to be popular with the rich and famous. Branson is yet to comment publicly. Others who appear to have been affected include Rihanna, Russell Brand, Rob Brydon and Jonathan Ross. Legal experts said that such disclosures may not be a criminal offence. However, solicitors for Ashley Cole and Sienna Miller said they were taking legal instructions over the allegations. No representative of Big Pictures, owned by the former Celebrity Big Brother contestant Darryn Lyons, was available to comment.

Virgin Atlantic employee has resigned following allegations she routinely fed information about the airline's celebrity clientele

 

Virgin Atlantic employee has resigned following allegations she routinely fed information about the airline's celebrity clientele — from Madonna to Sienna Miller — to a paparazzi agency. The employee was a junior member of the team that looks after high-profile clients, Virgin said Friday. She quit Thursday before reports published in the Guardian and the Press Gazette alleged that she had passed the booking information of more than 60 celebrities on to the Big Pictures photo agency. Among those allegedly targeted: Britain's Princess Beatrice; singers Madonna and Rihanna; actors Charlize Theron, Kate Winslet, Daniel Radcliffe and Miller; comedians Sacha Baron Cohen and Russell Brand; and a slew of U.K. celebrities and sports figures. The Guardian and the Press Gazette cited messages allegedly sent by the employee to someone at Big Pictures Ltd. as the basis for their stories. The Associated Press had no immediate way of verifying the authenticity of the messages, but the Guardian said it had carried out checks confirming that at least some of the celebrities had traveled to the destinations mentioned in the emails. Calls and emails to representatives of around a dozen of the celebrities mentioned went unreturned Friday, a public holiday in Britain. A representative for Princess Beatrice declined comment, while Kate Winslet's publicist, Heidi Slan, said the star wasn't reachable. In a statement, Virgin Atlantic Airways Ltd. called the allegations "extremely serious" and said it had launched an investigation. The airline, which is majority-owned by billionaire adventurer Richard Branson, confirmed that high-profile clients were involved but declined to comment on the British newspapers' figures. A man who answered the phone at London-based Big Pictures hung up when an Associated Press reporter identified himself as a member of the media. Emails sent to company founder Darryn Lyons' personal assistant weren't immediately returned, and no one answered the door at Big Pictures' central London office. The Press Gazette said Big Pictures was first approached for comment more than 48 hours ago but has yet to respond. Neither Virgin nor the newspapers identified the employee in question. The Guardian said it had contacted her on Wednesday and that she had declined comment. It was not clear Friday if authorities had become involved. Virgin refused to say whether it had called in the police and a Scotland Yard spokesman said he wasn't aware of the leak. The Information Commissioner's office — which investigates data breaches in Britain — said in a statement that the agency will need to make further inquiries "to establish the precise nature of the alleged incident before deciding what action, if any, needs to be taken." The past year has seen the sometimes underhanded methods of Britain's media thrust into the spotlight by a scandal over phone hacking at the now-defunct News of the World. Paparazzi have come under particular scrutiny, with public figures including Miller alleging aggressive, intimidating or illegal behavior on the part of celebrity-obsessed snappers. Miller, who testified before a judge-led inquiry into media ethics set up in the wake of the scandal, said she had been terrorized by photographers stalking her every move. "I would often find myself — I was 21 — at midnight running down a dark street on my own with ten big men chasing me and the fact that they had cameras in their hands meant that that was legal," she told the inquiry. "But if you take away the cameras, what have you got? You've got a pack of men chasing a woman and obviously that's a very intimidating situation to be in." Lyons, the founder of Big Pictures, told the same inquiry he had "no reason" to believe his photographers broke rules in pursuit of pictures, batting away suggestions that paparazzi victimize their targets. "The fact of the matter is that celebrities court publicity when they want to court publicity and then all of a sudden they want to switch it off very, very soon after," he told the inquiry. "If you are in the public eye, you are looked up to," he added. "We live in a world of voyeurism."

Pensioner shoots himself at Greek Parliament, refuses to 'search for food in garbage'

77-year-old Greek man has committed suicide in central Athens by the nation’s parliament, shooting himself with a handgun in apparent financial desperation. Eyewitness reports say that the man shouted “So I won’t leave debts for my children” before turning the gun on himself. Others claimed he said nothing. Greek state media reports the man left a suicide note saying “The Tsolakoglou government has annihilated all traces for my survival. And since I cannot find justice, I cannot find another means to react besides putting a decent end [to my life], before I start searching the garbage for food." Georgios Tsolakoglou headed the Greek collaborationist government during the German occupation of Greece in the Second World War. The note has been widely regarded as drawing a parallel between Lucas Papademos’ current collaborationist government and Tsolakoglou’s regime because of the economic crisis in the country. The incident occurred around 9 am (local time) in Syntagma Square, just outside a metro station, when the area was filled with people and commuters. The man took his life behind a big tree, which concealed him from most eyes. Two people sitting on a bench some 10 meters away have been questioned by the police. An investigation into a motive has been opened. The pensioner, whose name is not yet released, appears to have been a pharmacist who owned a drugstore in Athens, which he later had to sell, Lourantos Costas, the head of the Attica Pharmacist’s Association told the Greek daily The City Press. The shocked Greek community is issuing calls for a "Syntagma afternoon" later on Wednesday. Motorcyclists are planning a protest ride around the capital starting at 17:30 local time (14:30 GMT). ‘Who’s next?’ People are bringing flowers to the tree under which the desperate old man took his own life. They also leave messages on the tree: "Austerity kills," "Not a suicide; a murder” or “Who’s gonna be next?” The number of suicides has dramatically increased in the country since the beginning of the economic crisis, shows data released by the Greek Health Ministry. Prior to the economic downturn Greece had the lowest suicide rate in Europe at 2.8 for every 100,000 inhabitants. Now, this figure has almost doubled, with police reporting over 600 suicide cases in 2010 and 2011 respectively. Attempted suicides are also on the up. Just on Tuesday, a 38-year-old Albanian man killed himself on the island of Crete. He had been unemployed for some time. The financial hardship made him jump off his second-floor balcony, reported local news. The private sector is proving to be no safe haven either, as in the last few months several businessmen have fatally shot themselves. To secure loan payments to foreign investors, Greece has been forced to drastically cut state spending by slashing public salaries and pensions by almost 40 per cent, while the unemployment rate has hit 21 per cent. But so far the Greek government has failed to pull the country out of its three-year economic downturn and continues to rack up austerity measures to qualify for EU bailout packages.

Easter airport 'gridlock' warning

 

Airlines have warned the Home Secretary that Britain "risks gridlock" at airports including Heathrow and Gatwick over the Easter break due to staff shortages. More than 370,000 passengers will leave Heathrow airport between Good Friday and Easter Monday, and 200,000 will pass through Gatwick. A spokesman for Heathrow owner BAA told the Daily Telegraph: "Immigration waiting times during peak periods at Heathrow are currently unacceptable and we have called on the UK Border Force to address the problem as a matter of urgency. "There isn't a trade-off between strong border security and a good passenger experience. UK Border Force should be delivering both." Meanwhile, Britons attempting to travel by rail and road face delays because of engineering works taking place on motorways and train lines. Stretches of the M1 and M25 will be affected, and the seven million passengers travelling by train over the weekend will see disruption to travel to and from Euston, King's Cross, Liverpool Street, and Waterloo stations in London. British Airways and Virgin Airlines are among 11 firms that have written to Theresa May in anticipation of "unacceptable" delays to hundreds of thousands of passengers travelling over the long weekend. The UK Border Agency is under fire for a lack of staff able to carry out full security checks, which the airlines say must result in a recruitment drive or the relaxing of some of the more stringent measures currently in place. A spokeswoman for Virgin Airlines said: "While the decision on what level of check should be made at the border is, of course, a matter for Government, we are concerned that there is currently a mismatch between policy and resource. "After years of reducing frontline staff, returning to a 100% check system will undoubtedly mean lengthy queues at UK airports over critical holiday periods such as Easter and the Diamond Jubilee."

New info about statin safety affects millions

U.S. Food and Drug Administration issued new safety information about these cholesterol-lowering drugs that are prescribed to millions of Americans to lower the risk of heart disease. If you're among them, you should understand what the FDA's new guidance means for your health. "Before anyone gets too concerned, you should know that statins are so widely used because they have a long track record of safety and effectiveness," says Dr. Mark Taber, a cardiologist with SSM Heart Institute at St. Joseph Health Center. "All in all, statins have a very high benefit to risk ratio. The widespread use of the drugs, when indicated, probably accounts to a significant degree for the improvement in life expectancy in this country." The FDA called attention to the threat of liver damage as a rare side effect of statins and advised that regular liver enzyme testing is no longer considered useful in predicting or preventing liver injury. "Actually, in general they liberalized the follow up needed for liver function tests on patients taking statins, due to the very low incidence of true liver issues," Taber says. The main warnings related to a slightly higher incidence of developing diabetes while on statins, and a poorly substantiated claim that statins could result in cognitive impairment. Taber points out that cognitive problems, such as confusion or memory problems, were not documented in clinical studies, only by patient reports to the FDA website. "By stating these concerns, the FDA is raising awareness about the potential side effects of statins, but cardiologists already know that there are inherent risks, and we monitor patients appropriately to help ensure that side effects do not occur or are dealt with quickly," Taber notes. "If there is any evidence of a side effect that could be problematic, we can change the medication. But the fact remains that it's important to decrease risk of heart disease, and for many people statins are needed when diet and exercise alone don't result in acceptable cholesterol levels." Whenever a new prescription medication is started, you should look over the package insert to learn about potential side effects. Signs of liver damage, for instance, include fatigue, loss of appetite, right upper abdominal pain, dark urine and jaundice. Any of these symptoms should be reported to your doctor for evaluation. It is important to remember that you should not stop taking a medication without consulting your doctor first. Discontinuing use of a prescribed drug can be far more dangerous than the side effect you're worried about. "All the side effects listed by the FDA are rare, and the risk of heart attack is far more concerning," Taber says. "Some patients may need extra monitoring or may need to try more than one statin before we find the optimal choice, but in general statins are very well tolerated and don't cause problems for the people who take them." The advice above is universal when it comes to your health. Concerns should be discussed with your doctor, and decisions should always be made as part of a team approach to creating a healthy life.