21 October 2022 UC Health Assessment Advisory Service

London Centre For Health And Disability Assessments

London BSC

333 Edgeware Road

London

NW9 6TD

UC www.gov.uk/universal-credit

Telephone: 0800 2888777

Reference JW894320A  

Date: 21 October 2022

Appointment for Assessment

MM Response to Appointment for an Assessment

 Dear Universal Credit & DWP

Mervelee Myers is telling the Health Advisory Service that was asked by the Department for Work and Pensions to assess how my health condition or disability affects my ability to work that they are in breach of the Equality Act Protected Characteristics Section 60. For there to be no ambiguity about why I am addressing this assessment. Refer to https://www.gov.uk/employment-tribunal-decisions/ms-m-myers-v-london-early-years-foundation-2300047-2016 for the second miscarriages of justice by the judge and panel colluded with LEYF Abusers Rings. The Reviews were online during the ET/EAT. 8 years after I wrote to LEYF the UC and DWP can send for me to do assessment after sending me Capability for Work Questionnaire. Who are they trying to fool?  The MP refused to help me and after I was made a victim by ET Judgement that the Panel took 1-5 months to copy and paste the Respondent’s “Summary”. I have spent the past 8 years defending myself from the career criminals at HMCTS, CPS, CJS, CCMCC, IOPC, JCIO, BSB, SRA, MOPAC, DBS, HMPPS, CLCC, and cohorts in the pockets of LEYF abusers.

The Department for Work and Pensions Decision Maker is party to the scammers who targeted me from I was denied my ENTITLEMENTS in 2015. My documents were sat in the Job Centre, whilst I was attending the office. I was given Emergency Benefits. Can the UC & DWP explain why I was sent letters in the name of Mervelee Abanobi to trick me into sending information to scam me? The same person contacted me via telephone after the UC & DWP scammers let me get the money I did not know about then tried to get back the money by fraudulent means. When this did not work my BENEFITS were stopped and I was contacted via telephone. Those involved used data supplied about my Health Condition and Disabilities to target me and tried wipe out the data in my UC Journal. Let me make it clear that the DWP Decision Maker should not be assessing me after 8 years for me to receive the right amount of Universal Credit. I have been defrauded the past 8 years by I have spent the past 8 years defending myself from the career criminals at HMCTS, CPS, CJS, CCMCC, IOPC, JCIO, BSB, SRA, MOPAC, DBS, HMPPS, CLCC, and cohorts in the pockets of LEYF abusers.

Triggers of PTSD

I will be at Marylebone Assessment Centre on the 10:00 am on Tuesday 25^th October 2022. But let me put on record that this arrangement is in breach of the Laws and Legislations and Codes of Practices and Conducts. Considering that I filled a Capability for Work Questionnaire this is not acceptable. I am the carer for my 99-year-old husband. I will have to travel for 2 hours to get to the venue. The venue is in the area where I used to work for London Early Years Foundation. This is trigger for me and I know this to be fact when I was on a Zoom training for volunteering. The name Mary Currie crops up and although I completed the training, I was affected later Kings NHS Foundation Trust.

 I would be grateful if you could let me know how exactly you would like my assistance with this matter, and what would be your ideal outcome from my involvement in your case. For example, would you like me to write to Nexus Health Group on your behalf? MM Arguments: Since I am the carer of Arnold Ebenezer Tomlinson, I am only expecting you to act in the capacity of his MP. If I am unable to carry out my role as his carer both MPs should be acting to get Nexus Health Group to act. Refer to ACAS www.acas.org.uk/researchpaper  of Dr. Maria Hudson’s “The Experience of Multiple Discrimination” by the Policy Studies Institute recommended to ACAS. I was working at Kings College Hospital NHS Foundation Trust  https://careers.kch.nhs.uk  and after the death of my brother allegations used to trigger my PTSD. The GP refused to give me a “Medical Report” for the Employment Tribunal. Dr. Richard Holder of Nexus Health Group also refuse to give me a Medical Report after the Police www.met.police.uk  came to my home to murder me under cover of LEYF Margaret Horn Lecture. I was beaten black and blue and taken half naked and bare feet out of my home to Walworth Police Station. Refer to my YouTube for my video incident in Walworth Road https://youtu.be/sGQ56v7Ypo  for more.

Threats to Trigger PTSD

I will attend the ASSESSMENT but let me state that this is a threat. Where has the UC & DWP been the past 8 years?  Refer to the above when my BENEFITS were stopped, and I ended in debt. What good reasons did the SCAMMERS at UC & DWP used to stop the benefits? Here you have put in writing that this ASSESSMENT is just a SHAM. The UC/DWP are CRIMINALS because I am paid to be carer for my husband from the time, I was denied my ENTITLEMENTS and stopped from working. Can UC/DWP get real because they are party to LEYF and Richard Harty of the UEL www.uel.ac.uk PAEDOPHILE RINGS that kicked me out of university. Let’s deal with the fact I was always CAPABLE of WORKING until the LEYF PERVERTS strike.

What Needs to be Done

I contacted the relevant parties and recorded. With my conditions and disabilities in addition to carer for my elderly husband why am I sent this kind of letter. Why were no decisions made to consider a Telephone Assessment?

This is a deliberate ploy to trigger me.

I was Barred from using my Journal Previously

The UC/DWP tried wiping my Journal. I am the victim of Systematic Discrimination buried under paperwork that I can’t find time to address important matters.

Anyone who knows me know how I manage and control my disabilities that are being used to trigger my PTSD.

I have underlying health conditions one of which is diabetes. So, why not make sure I am seen when you ask me to attend and not have to wait.

Why continue with the THREATS? Let me make it known that as a result of the discrimination I developed an “Eating Disorder”. Therefore, I will need to know the person doing the assessment is not a QUACK. The ASSESSMENT is not already prepared in ADVANCE. As a result, I am requesting that the assessment be recorded in line with all the Rules of Laws.

 I consider this assessment to be another of the plots when attempts were made on my life from the www.met.police.uk were sent to my home on the malicious report of Winsome Duncan www.peachespublications.co.uk and Barrister Ryan Clement https://www.ryanclement.com who groomed her. But Judgement was passed for Ryan Clement to pay back my husband’s money.

I am not sure if I can get a friend to accompany me. But I will bring the DBS stating I am a CRIMINAL need Emotional Regulation Treatment. The Disclosure & Barring Service www.gov.uk/dbs Certificate Number: 001800124857 Time and Talents Association Mental Health Requirement.

The Kids Network 001797791534. Since I did not get the MENTAL HEALTH REQUIREMENT, I will not be going into any workplace to be the victim of the SYSTEMS provoked into committing a CRIMINAL Act like my brother who did and waited in the Church for the Police.

MM Arguments: I have reached breaking point and my stories are in cyberspace as I have had to invest in safeguarding my husband and me from the TERRORISM against us resulting in us being TRAUMATISED. I have contacted members of the “Political Class” about how my husband and me are the targets of individuals and organizations after the death of my mother. Therefore, the Powers involved should be aware of my situation after 8 years. This is because only one Member of Parliament can make representations on behalf of a constituent at any given time, and I understand that while your husband’s address is in my constituency, your address falls in the constituency of Neil Coyle MP. MM Arguments: How about acting on my husband’s behalf in this matter? I have spoken directly to persons who are wanting to represent constituents, but no one will act.

Identity Document

Since LEYF told ICO www.ico.org.uk that they have no data for me when I applied for Subject Access Request, I will not be triggered by the dictates in Leaflet AL1C. This is just another of the entrapment.

I look forward to hearing from you again. MM Arguments: Well, here I am writing again, and I will share my story with Jessie Lloyd www.originsfestival.com  who is coming to interview me on Monday 24th October 2022. I will be attending Marylebone Assessment Centre at 10:00 am on Tuesday 25th October 2022. I called and recorded my concerns already UC www.gov.uk/universal-credit  for more. Because the Equality Act 2010 Section 60 is breached when I was sent a “Capability for Work Questionnaire” 8 years after my ENTITLEMENTS had denied me. But not only that my BENEFITS was stopped which triggered me after I was left in debt. Someone at the DWP and Universal Credit tried to WIPE my Journal after sending me letter addressed to Mervelee Abanobi. This person targeted me via telephone too.

Assessment

I will need to have the Qualifications of the Healthcare Professional who will assess me. I am expecting the assessment to be recorded in line with the GDPR 2018 and Charter of Rights 12 Codes. I need the transcript in written and recorded format.

Imagine going through my paperwork and coming across the letter dated 21st October 2009 when I applied to be on the “Understanding Statutory Assessment” www.camden.gov.uk  for why the person doing the assessment must prove they are not QUACKS.
I am expecting to receive 8 years back payment from the DWP and Universal Credit that are party to the Systematic Discrimination after the death of my mother. I was offered a SENCO job by Smart Teachers www.smartteachers.co.uk to the value of £46-55,000.00 and this is the rate am expecting to be paid going back to 2015.

Again, I believe this is a trap it’s 8 years Mervelee Myers is in this situation. When I did not become HCT Group www.hctgroup.org Impact Report 2016 of 1 in 5 of all suicides are associated with unemployment. My husband and me are 600,000 elderly persons in the UK say they leave their home once per week or less.

I was the EYFS coordinator, SENCO and Multigenerational Working Approach Facilitator at LEYF the last place I worked before I was denied my RIGHTS.

Collect and use Information

 If the UC/DWP is anything like HMCTS and CPS and CJS I don’t trust anything written in the report so Privacy Policy www.gov.uk/help/privacy-policy   Imagine going through my paperwork and coming across the letter dated 21st October 2009 when I applied to be on the “Understanding Statutory Assessment” http://www.camden.gov.uk for why the person doing the assessment must prove they are not QUACKS.

Commitment

We are committed to treating people fairly, regardless of their disability, ethnicity, gender, sexual orientation, transgender status, age, religion or beliefs. Please contact us if you have any concerns. MM Arguments: The Equality Act 2010 Protected Characteristics were breached.   

Mrs Mervelee Myers

Reference

UC www.gov.uk/universal-credit

ET Judgement  https://www.gov.uk/employment-tribunal-decisions-ms-m-myers-v-london-early-years-foundation-2300047-2016  

The Disclosure & Barring Service www.gov.uk/dbs

Smart Teachers www.smartteachers.co.uk

HCT Group www.hctgroup.org

Jessie Lloyd www.originsfestival.com

UC www.gov.uk/universal-credit

“Understanding Statutory Assessment” www.camden.gov.uk

Smart Teachers www.smartteachers.co.uk

The Disclosure & Barring Service www.gov.uk/dbs

UEL www.uel.ac.uk

ACAS www.acas.org.uk/researchpaper  

Kings College Hospital NHS Foundation Trust  https://careers.kch.nhs.uk

Police www.met.police.uk

Walworth Road https://youtu.be/sGQ56v7Ypo

Winsome Duncan www.peachespublications.co.uk

and Barrister Ryan Clement https://www.ryanclement.com

ICO www.ico.org.uk

Privacy Policy www.gov.uk/help/privacy-policy

Appendix

Appendix

MM

Without Prejudice Mervelee Myers 8 Years Incarcerated By HMCTS CPS CJS Career Criminals Husband Traumatised Come To End Name Those Involved On Criminal List Need ERT Children Young People Adults Discriminated Against By Richard Harty MIC Paedophile Rings At HOC Nursery Some Jump Ship Bright Horizons Elsewhere 30

MM

Dear Mervelee,

Thank you for your email and for taking the time to share your experience with me. I am sorry to hear of the difficulties you have been experiencing. MM Arguments: Let https://fight4justiceadvocacy.business.site refer to the fact that from 14th March 2015 when I wrote to Senior HR Dilys Epton of http://www.leyf.org.uk about the impact of discrimination after the death of my mother with http://www.dementia.org.uk I got two sorry in the same paragraph. As of now, I would be grateful if no one else uses the word SORRY to patronize me acting as if I am not a “Credible Witness” as was in the ET Judgement making me a victim.

I would be grateful if you could let me know how exactly you would like my assistance with this matter, and what would be your ideal outcome from my involvement in your case. For example, would you like me to write to Nexus Health Group on your behalf? MM Arguments: Since I am the carer of Arnold Ebenezer Tomlinson, I am only expecting you to act in the capacity of his MP. If I am unable to carry out my role as his carer both MPs should be acting to get Nexus Health Group to act. Refer to http://www.acas.org.uk/researchpaper of Dr. Maria Hudson’s “The Experience of Multiple Discrimination” by the Policy Studies Institute recommended to ACAS. I was working at https://careers.kch.nhs.uk and after the death of my brother allegations used to trigger my PTSD. The GP refused to give me a “Medical Report” for the Employment Tribunal. Dr. Richard Holder of Nexus Health Group also refuse to give me a Medical Report after the http://www.met.police.uk came to my home to murder me under cover of LEYF Margaret Horn Lecture. I was beaten black and blue and taken half naked and bare feet out of my home to Walworth Police Station. Refer to my YouTube for my video incident in Walworth Road https://youtu.be/sGQ56v7Ypo for more.

You may wish to see more about how your Member of Parliament can assist you in the attached leaflet, ‘You and Your MP’. MM Arguments: Let me put on record I am tired of these leaflets and think they are just another of the “Systematic Discrimination” used to target me via my “Mental Impairment”. Let me put on record that I first meet the MP at a Southwark Community Meeting when he used his mother’s “Mental Health” story to get sympathy. I did record some of it and posted it to social media in 2017. I visited the MP’s office for him to support me with letters I wrote to the Parliamentary Ombudsman. On the date, a “Black Man” smashed the glass at the front of the office shouting he wanted to go back home. I was so cross with this young man. The MP refused to help me and after I was made a victim by https://www.gov.uk/employment-tribunal-decisions-ms-m-myers-v-london-early-years-foundation-2300047-2016 that the Panel took 1-5 months to copy and paste the Respondent’s “Summary”. I have spent the past 8 years defending myself from the career criminals at HMCTS, CPS, CJS, CCMCC, IOPC, JCIO, BSB, SRA, MOPAC, DBS, HMPPS, CLCC, and cohorts in the pockets of LEYF abusers.

I would also be grateful if you could let me know whether you have raised this issue with Neil Coyle MP. MM Arguments: I have reached breaking point and my stories are in cyberspace as I have had to invest in safeguarding my husband and me from the TERRORISM against us resulting in us being TRAUMATISED. I have contacted members of the “Political Class” about how my husband and me are the targets of individuals and organizations after the death of my mother. Therefore, the Powers involved should be aware of my situation after 8 years. This is because only one Member of Parliament can make representations on behalf of a constituent at any given time, and I understand that while your husband’s address is in my constituency, your address falls in the constituency of Neil Coyle MP. MM Arguments: How about acting on my husband’s behalf in this matter? I have spoken directly to persons who are wanting to represent constituents, but no one will act.

I look forward to hearing from you again. MM Arguments: Well here I am writing again, and I will share my story with Jessie Lloyd http://www.originsfestival.com who is coming to interview me on Monday 24th October 2022. I will be attending Marylebone Assessment Centre at 10:00 am on Tuesday 25th October 2022. I called and recorded my concerns already http://www.gov.uk/universal-credit for more. Because the Equality Act 2010 Section 60 is breached when I was sent a “Capability for Work Questionnaire” 8 years after my ENTITLEMENTS were denied me. But not only that my BENEFITS was stopped which triggered me after I was left in debt. Someone at the DWP and Universal Credit tried to WIPE my Journal after sending me letter addressed to Mervelee Abanobi. This person targeted me via telephone too.
Imagine going through my paperwork and coming across the letter dated 21st October 2009 when I applied to be on the “Understanding Statutory Assessment” http://www.camden.gov.uk for why the person doing the assessment must prove they are not QUACKS.

Yours sincerely,

Rt. Hon. Harriet Harman KC MP

Member of Parliament for Camberwell & Peckham | Mother of the House of Commons
House of Commons, London, SW1A 0AA
Tel: 0207 219 4218
@HarrietHarman | http://www.harrietharman.org/

Kindest regards

Mervelee Myers FD (Open)
Mental Health & SEND Advocate
On behalf of
Arnold Ebenezer Tomlinson.

Hi Mervelee Myers Journey From the Cradle to Grave , We’re writing to let you know that over the coming weeks YouTube will be introducing handles to make it easier for members of the community to find and connect with each other. Refer to https://youtu.be/5irCkGIrCRo for more. Your handle will be unique to your channel and will be how people mention you in comments, community posts, and more. Here’s what you need to know: We’re gradually rolling out the ability to choose a handle for all channels over the coming weeks, and you will receive another email and a notification in YouTube Studio when you’re able to choose yours. In most cases, if you already have a personalized URL for your channel, we’ve reserved this for you as your handle. If you want a different handle from the one we’ve reserved, you can change it. If you don’t already have a personalized URL today, you’ll also be able to choose a handle for your channel. Starting on November 14, 2022, if you haven’t yet selected a handle for your channel, YouTube will automatically assign you a handle, which you can change in YouTube Studio if you’d like. In the meantime, learn more about handles and all the things you’ll be able to do with them:  LEARN MORE     Sincerely, The YouTube team   You received this mandatory email service announcement to update you about important changes to your YouTube channel or account. © 2022 Google LLC d/b/a YouTube, 901 Cherry Ave, San Bruno, CA 94066

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Dear friend   I feel I can’t keep sending ‘emergency’ eshots as things are changing so fast and the consequences and implications will take some time to digest by ‘everyone and everything’. It was sad to see the Prime Minister resign today. I don’t say that in any other way than criticism at the behaviour and reactions and the immense stress she faced after being selected in fair voting only weeks ago. The degree of arrogance and disloyalty and the naïve behaviour of ‘some’ who seem to imagine that such acts will not tarnish their own futures is also unbelievable.   The markets’ excessive reaction to the ‘Mini Budget caught everyone unaware to be frank too and whilst certainly it is not just a UK thing as like concerns are global, so it is acutely unfair to place all the issues we are facing at one or two individuals’ doors here in the UK. I was thinking that when we and every other Nation had to make Pandemic-based reactions no-one was ‘worried’ about unfunded budgets seeing our National Debt double to over £2trillion and yet a mere few billions of experimental tax cuts which were likely indeed to stimulate the economy (and thus tax-raising and benefit reduction by better pay and more working) have caused such panic. Ultimately, Putin is to blame too – his actions (or our economic reactions to the war) have created the energy crisis, the rampant inflation (some would have still been there but nothing like as bad), the escalating borrowing costs for government debt as a result, the artificially high US Dollar and the volatility in global markets. The markets are surprisingly steady – probably a combination of relief and hope of future stability. Whatever happens, expect cuts in public services and spending to demonstrate appropriate aplomb and grasp on the finances. Perhaps the new government will have to have a list of tax and spending ‘aspirations’ to which we can all aim. However, can pensions, etc rise by the latest CPI 10.1%? That would be excessive and unfair on those not expecting anything like that sort of increase (or any at all) and belts must be tightened – publicly and also personally. Just because ‘you’ want to continue doing all the things you have been able to afford to do these last few years with financially comfortable times doesn’t suddenly mean you are entitled to expect an equivalent increase in your income to meet the higher costs of these discretionary things you can’t afford any more. Taking personal responsibility is one of the realities of life, I guess and that is going to be needed big-time for a while in the face of some awful global headwinds over which you or I have no control.   There have also been rumours that some ‘distressed loan funds’ are buying Gilts being dumped by Liability managers who misjudged the extent to which yields could rise in the short-term. This may not be true but the figures suggest there is some mileage in that… with hindsight we all see the spike in yields as a great buying opportunity in government-backed bonds… The 2073 Index-linked Gilt has recovered by over 70% from its September 27 low for example – how daft. One thing which has happened is that long and short dates are now closer together in expectation and that is good as it helps planning and future volatility in this asset class used to finance governments should not be so extreme and after all, recent low rates with negative returns were so artificial there was no way they would endure for ever. Many UK companies’ shares are trading at ‘distressed’ levels too and that is wrong regardless of these issues so a great buying opportunity, especially as the chances of being subjected to a bid from some US predator with dear dollars is very high indeed and that certainly isn’t reflected in prices. Conversely the US could suffer a triple whammy – a currency which has to sink back to a better reality (costing UK investors in translation terms), shares which still have excessively high price:earnings’ ratios and generally lower earnings compounded by higher corporate borrowing costing more interest.   The Currency markets still cannot make-up their minds. UK investors in global or US funds have had great protection against the falls in US shares this year as the currency gains have offset those but that will reverse at some point and dramatically – perhaps linked to a change in Ukraine as the Dollar’s safe haven status passes. Japan has seen its currency in real terms plumb levels last seen in the 1970s and sorry, rather than a basket case but it represents a fantastic buying opportunity (and cheap and great holidays!). Yes, it’s cost money these last few years but putting your Pound there should see increasing Japanese share prices and a currency which will rebound at some point. I like ‘value’ opportunities where you can gain twice. The US is a dear situation where you stand to lose twice.       Pension transfer values from final salaries   We’ve been saying it for oh so long now but have you missed the boat, if the transfer value was imperative to you and to leave a giant pot to family on your death for example? The Mail reports on an extreme case:- My pension transfer value has plunged from £740k to £340k: What’s happened, and is my early retirement dream over? Average transfer values have been seen at between 25-40^% lower than just a year ago from what we hear.   If you have deferred benefits from a salary-related scheme then time is against you if you are thinking of a transfer, if it is the right thing for you. You want to hope your actuaries and trustees are a little behind the curve and so you can grab a transfer value now to at least fix three months’ guarantee when they can’t change the figure. The case noted showed how a member of a scheme saw his transfer value fall from £740,000 to £340,000 since last year as interest rates have risen. How could this happen? Because you are not an investor in the scheme but simply a liability. If therefore the actuaries say that the known mathematical liability you represent costs less to cover, then the amount of money the scheme has to put aside for ‘you’ falls – it really is that simple. There is more to it than ‘this’ but let me try to explain. The scheme say owes you £15,000pa pension for life from retirement, with other benefits, some increases built-in etc. If the rate of return the Scheme can secure from ‘guaranteed’ investments is only 1%, then it has to demonstrate it has say £1million (your transfer value) put to one side to cover that liability (remembering that the pot shrinks as you age and then die so the liability ends). So if interest rates on those safe, long-dated government stocks go up to say 5%, than the liability pot can shrink to say £350,000 because what hasn’t changed are your final salary at the time of leaving and the length of your service. Yes, the Scheme isn’t reneging on what it has to pay you every year but it doesn’t have to keep so much money to cover its liability to you.       Responsible investing   The latest carnage on markets for bonds and shares has seen my predictions for ‘ethical’ investments come true. People flooded into all the same sort of over-priced stuff in ‘fluffy’ funds sold to them by highly rewarded marketeers and sure enough, they have been hit hard as the bubble has been bursting with the artificial ‘green’ or ‘moral’ credentials of too many of these things and which have also come tumbling-down around their ears. We’ve all realised we need our fossil fuels today and tomorrow at least, regardless of the mighty programme to change things but that will take years and we in the UK are leading the way – we have the fourth highest numbers of offshore wind turbines in the world for example. Even then, the solution is not so simple in that most renewable power sources have short lifespans before needing replacing again and all the natural resource expended in manufacturing and installing replacement kit. However, some companies’ marketing teams need to be more sensitive – such as Scottish Widows, which is pushing its approach to ‘responsible investment’. First, I have to tell it, we are responsible investors too, so they don’t have the monopoly on ‘that’ word simply because they deselect certain arbitrary investments. However, more to the point is ‘how responsible has it been to push a ‘Protected Pension Investment’ in the ‘Guaranteed Funds’ sector’ when it has lost over 40% in one year? (It still has £1billion in the pot). That is highly irresponsible and yes, that’s you, Scottish Widows – what are you going to say to all those safety-conscious investors who thought they knew what the writing on the tin meant?     Previous Editions       A thousand cuts     Read More       Turnaround     Read More       Mini Budget     Read More         Risk Warning   Stock market investments can offer income through the payment of dividends and interest and good opportunities for capital appreciation over the longer term. By this, generally we mean periods in excess of five years, preferably much longer. However, we can never promise you particular returns, especially in the short-term. At any point in time but especially in the short term, your capital could be worth less than the original amount invested as some of the selected holdings may fall in value, regardless of expectations at the time of acquisition. We may also invest in funds that hold overseas securities. The value of these investments may increase or decrease as a result of changes in currency exchange rates. Returns achieved in the past cannot be relied upon to be repeated. To remind you, why do I send out occasional emails? Because everyone can save money. We have no connection with any companies mentioned and you have to make your own contacts and satisfy your own enquiries. What is in it for us? If we can prove that we are knowledgeable and that our service and advice have good value, then you might contact us for professional financial planning and investment help. You don’t have to do that though and there’s no charge for emails. If simply they save you money, then accept them with our compliments! However, you’ll know where we are! If you have any queries of any form or indeed any subjects you think I could include, please contact me. I also refer you to our website www.miltonpj.net. We celebrated our 35th anniversary in 2020 and have been publishing a well-respected independent column in the local Paper for most of that time and free client newsletters as well. Do not forget however the usual caveats – this is not ‘advice’ and you are encouraged to seek that before embarking upon any financial route involving investments, etc.     My best wishes Philip J Milton DipFS CFPCM Chartered MCSI FPFS FCIB Chartered Wealth Manager Fellow Of The Personal Finance Society, Fellow Of The Chartered Institute Of Bankers     Choweree House 21 Boutport Street Barnstaple Devon EX31 1RP       W miltonpj.net | P (01271) 344300 | F (01271) 342810 | E info@miltonpj.net     Registered in England Number 3233275   VAT Number 682 2544 28 Authorised & Regulated by the Financial Conduct Authority     This email was sent to rattynem@btinternet.com You received this email because you are registered with Philip J Milton & Company Plc Unsubscribe here     © 2022 Philip J Milton & Company Plc