I cannot see any evidence on the German Regulator website that CWM or Trafalgar International have any other licence than to flog insurance products. How were they even allowed to advise on pensions and investments or did they get the investors to sign the dealing papers to buy these ridiculous structured notes?
What was the pension trustee doing by accepting business from such a firm that had no investment licence and if the client signed the dealing papers did the trustee check the client was a professional investor? What do the trustees have to say on this matter?
Has anyone here thought of taking this up with the regulator in Germany?
I can see the offers of "help" from advisers in Spain. Check the competency and experience of the adviser and the regulator behind him/her? Is the Gibraltar regulator robust? I doubt it. Mr Orme seems to have been an adviser for 5 minutes!
If pensions are the issue, use a Chartered or Certified Financial Planner (ask to see evidence) and ask to see the G60 or AF3 pension qualification evidence. There is a danger of frying pan to fire here as victims get picked off.

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