Dear Sir or Madam,

Could you confirm if the Treasury was responsible for the
appointment of this thief Mr Crombie to the Board of the RBoS. And
could the Treasury confirm given the PAIN of burdensome DEBT that
1in3 households find themselves in due to the ILLEGAL ACTIVITIES of
the ENDOWMENT SECTOR that it will STOP referring to a "CREDIT
CRUNCH". WHAT CREDIT CRUNCH WOULD THAT BE? I have mortgages for a
mere 42 years due to the criminals in the UK finance industry!! AND
LAST BUT NOT LEAST COULD SOMEBODY EXPLAIN WHY I AM SAVING FOR STAFF
IN THE FINANCE INDUSTRY TO HAVE A DAMN GOOD RETIREMENT WHILST I AM
UP TO MY EARS IN DEBT AND STARVING?

If the Treasury was NOT involved in this appointment then could we
PLEASE see this thief Crombie REMOVED from the Board? Frankly this
is an outright INSULT to those consumers at the RBoS who have
mortgages for ANOTHER 25 years due to Mr Crombie and his ilk!

Mr Crombie and his cronies were responsible for (passive)
corruption at Standard Life when they transferred or re-structured
57 billion quids worth of endowment policyholders' funds into the
pockets of staff on the company listing. This included billions
being pumped into the staff occupational pension fund, billions of
free member entitlement shares of 2 million members in 148
countries around the globe ending up in the pockets of staff
(Standard Life. Merril Lynch, CitiGroup, Computershare, UBS and JP
Morgan a group of companies that have about as much integrity as
the Parliament) and every year billions more called a "surplus"
disappears who knows where as they do NOT report to members trapped
in this FINITE notional holding company called an INsurance
INtermediary. Policyholders (consumers) contracted to a linked
SECURITIES INVESTMENT with an INVESTMENT FIRM; at NO TIME did we
contract to an INsurance policy with an INsurance company. The
above is CRIME; it is not "business".

Mr Goodwin did NOT "do" any of the above. Mr Goodwin is a paragon
of virtue compared to Mr Crombie who should be languishing in a
Canadian jail for a mere 42 years alone due to the highly illegal
nature of the "Canadian Offer" on listing. BRING BACK FREDDIE say
endowment policyholders!!

Perhaps the Treasury would care to comment here on the
"performance" of the RBoS had it been permitted to buy up HSBC as
opposed to being forced into a merger with NatWest

Yours faithfully,

Sheila Gibb

Dear Ms Gibb,

Thank you for your Freedom of Information request. I write to confirm receipt of your request and to let you know that it is receiving attention. If you have any enquiries regarding your request do not hesitate to contact us.

Darren Creamer
Correspondence and Enquiry Unit
HM Treasury

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Please find attached our reply to your request.

Regards,

Ashley
IRU
<<9-551.pdf>>

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Dear responses, FOI,

Did the Treasury appoint Mr Crombie, major criminal, to the RBoS
Board, YES or NO? BRING BACK FREDDIE WHO IS A PARAGON OF VIRTUE
COMPARED TO CROMBIE.

Endowment policyholders(particularly millions of distant consumers
from around the globe) would like to know HOW we get the police,
Fraud Squad, and SOCA to investigate their buddies (BBA's JMLSG and
FSA) when they ALL sit together on the Treasury's Money Laundering
Advisory Committee and have classified Insurance Intermediaries
into which Mr Crombie et al have transferred a mere 10% of
endowment fund assets, as "high risk of money laundering"?
Strangely enough it is NOT consumers that are doing the money
laundering here!! 90% of endowment policyholders' assets are IN THE
POCKETS OF STAFF IN THE FINANCE INDUSTRY.

Furthermore the Law Society sits at this table (Treasury's Money
Laundering Advisory Committee) and it is IMPOSSIBLE for distance
consumers to employ a lawyer from overseas. The lawyers that
"organised" the ILLEGAL listing / SCHEME of Standard Life only made
a cool 1.1 billion out of us endowment policyholders. WHY would
these "lawyers" bite the hand that feeds them? AND AS DISTANCE
CONSUMERS ARE NOT AT A UK ADDRESS AND THEREFORE NOT "LEGALLY
IDENTIFIABLE" WE HAVE NO RIGHTS TO DEFEND OUR PROPERTY. THIS COULD
BE WHY THOSE IN THE FINANCE INDUSTRY ARE EXPLOITING US MERCILESSLY
AS WE CANNOT DEFEND OUR LEGALLY ACQUIRED PROPERTY / WEALTH. (It's
like taking candy from a baby!!) CONSUMERS IN THE UK CANNOT GET ANY
LAWYER TO LITIGATE RE FRAUD / MONEY LAUNDERING USING PUBLIC FUNDS
BUT LAWYERS WILL USE PUBLIC FUNDS TO DEFEND INDIVIDUALLY NAMED
FRAUDSTERS IN THE FINANCE INDUSTRY WILLY NILLY!!!!!!!! IF WE ARE
"ALL EQUAL BEFORE THE LAW" THEN WHY IS THIS THE CASE?

Now your Government, for want of a better word, has produced a
Housing Act that permits local councils to remove estate agents.
When homeowners are "distant" we CANNOT re-appoint another agent.
After 6 months the LOCAL AUTHORITIES STEAL OUR VACANT HOMES!!!!!

The Treasury maintains assets are a good thing. My assets would
seem to be A GOOD THING FOR EVERYBODY EXCEPT ME WHO HAS MADE MANY
SACRIFICES AS A SINGLE WOMAN TO ACQUIRE THEM. THE ONLY "FREE
MOVEMENT OF CAPITAL" TO WHICH I AM ENTITLED IS FROM MY POCKET INTO
EVERYBODY ELSES!!

So perhaps you would like to explain WHY the Treasury's Money
Laundering Advisory Committee IGNORES the distance consumer
legislation (2002/65) and indeed the the consumer regulation
2006/2004 that is MANDATORY. (Although Commissioner McCreevy, the
most perverted public official on the planet, that writes illegal
money laundering directives ignores this 'binding requirement
too!!) COULD THE TREASURY EXPLAIN WHY IT ENFORCES 2005/60 TO THE
DETRIMENT OF DISTANT CONSUMERS WHEN THIS LAW HAS BEEN DECLARED
ILLEGAL BY THE EU COURT?

Oh and any documents that you have where this "nest of vipers"
called a Money Laundering Advisory Committee discuss THE RIGHTS OF
DISTANCE CONSUMERS I would love to see.

Yours sincerely,

Sheila Gibb

Thank you for your Freedom of Information request. I write to confirm receipt of your request and to let you know that it is receiving attention. If you have any enquiries regarding your request do not hesitate to contact us.

INFORMATION RIGHTS UNIT

Please consider the environment before printing this email.
www.hm-treasury.gov.uk

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Dear Ms Gibb

Thank you for your Freedom of Information request. I write to confirm receipt of your request and to let you know that it is receiving attention. If you have any enquiries regarding your request do not hesitate to contact us.

Tessa Caruth
Correspondence and Enquiry Unit
HM Treasury

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Please find attached our reply to your FoI request.

Regards,

Ashley
IRU

<<9633(2).pdf>>

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