We review Certain Bridge’s unregulated loan notes paying up to 17.5% per year

Certain Bridge logo

Certain Bridge Limited is offering unregulated loan notes paying up to 17.5% per year as follows:

  • Bronze: Interest payments of 6.86% per year, paid six-monthly, for a 2.5 year term.
  • Silver: Interest payments of 8.96% per year, paid six-monthly, for a 3 year term.
  • Gold: Interest payments of 10% per year, paid six-monthly, plus an extra 10% on maturity, for a 4 year term.
  • Platinum: Interest of 6% per year in years 1-2 and 8% in years 3-4, plus an extra 32% on maturity, for a 4 year term.
  • Platinum Plus: Interest of 3% in year 1, 4% in year 2, 5% in year 3 and 6% in year 4, plus an extra 52% on maturity, for a 4 year term.
All loan notes have a minimum investment of £15,000, except Platinum Plus which has a minimum of £50,000.

Continue reading for a review of Certain Bridge's loan notes.

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Carlauren Group (aka The Care Home Group) enters cryptocurrency market with C-Coin

The Care Home Group logo

Carlauren Group (aka The Care Home Group, whose care home investments offering fixed returns of 10% per year were reviewed here in April 2018) has entered the cryptocurrency arena with the launch of "C-Coins".

How it works is as follows:

Investors and those wishing to buy Carlauren's care home services hand real money over to Carlauren in exchange for tokens at a launch price of £70 per C-Coin. Members of the Carlauren Resorts programme have the right to buy a specified number of C-Coins at the launch price depending on what tier of membership they join at.

Investors and members can either use their C-Coins to pay for Carlauren's residential and care home services, sell them back to Carlauren at a "guaranteed" £63 per coin (90% of the launch price), or sell them on an internal exchange operated by Carlauren, known as the Carlauren Coin Exchange.

Going forward C-Coins will be the only method of payment accepted by Carlauren for its services.

Continue reading...

We review SBL Market Guide Program – HSL / RVS scam reboots as predicted

SBL Market Guide System logo

When the RVS Closing Price System scam, a reboot of the HSL Smart Market System scam, disappeared with investors' money around October 2018, I facetiously wondered how long it would take before another company with a three-letter acronym name sprung up offering infeasible returns.

Turns out the answer was about three months.

Investors have reported being cold-called by people promoting the SBL Market Guide program that can turn an investment of £4,750 (supposedly a 50% discount) into £30k in two years, after which the other 50% becomes payable.

This is virtually identical to the RVS Closing Price System which charged £4,925 for the prospect of turning this into £30,000 within two years, with a further £4,925 payable if RVS achieved the promised returns.

Needless to say RVS and its anonymous perpetrators disappeared well before the two year period was up, and RVS investors, like HSL investors before them, lost every penny of the £4,925 they put in. Along with any further money they gave to RVS to trade shares or buy access to data.

Continue reading for a review of the SBL Market Guide System.

Algo Corp review – Apex Algorithms rebrands, still can’t do math no good

Algo Corp logo

In March 2018 I reviewed Apex Algorithms and their claim to provide a "low risk" investment which had previously generated between 26% and 90% annual returns. I concluded that the offer was an extremely high risk investment into an unregulated firm, and highlighted inconsistencies in its published results.

Apex Algorithms has recently launched a new website at algocorp.com. There is no mention of Apex Algorithms on the front page, but the offering is substantially identical, and its address and phone number remain the same as Apex's, along with its "Deliver the Knockout Blow to the Bookmakers" identity. The initial version of Algo Corp's "Terms and Conditions" page referred to Apex Algorithms throughout; this has since been changed to Algo Corp. At time of writing the apexalgorithms.co.uk still appears to be running with the old brand identity.

Why Algo Corp / Apex has felt the need to create a new brand identity is not clear.

Continue reading for an updated review of Algo Corp / Apex Algorithms.

EcoCrops International seeks “greedy and driven” salespeople

A job advert posted on the learn4good.com jobs board by EcoCrops International is looking for applications from "greedy and driven professional salespeople". EcoCrops International launched in 2018 and offers projected returns of 17.19% a year for investing in Estonian forestry.

Position: Sales Professional EcoCrops International are looking for hard working sales people. We pay a small basic but great commission. No cold calling or face to face selling. The work is office based and would suit greedy and driven professional salespeople that are based in Palma Mal


The advert says that prospective applicants should also have a high school education, and minimal work experience is required. Applications should be English speakers, well educated and computer literate.

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Cauta Capital files accounts; £7 million of creditors, £70 million of investments parachuted in?

Cauta Capital issues unregulated bonds paying 7-11% interest with a 10 year term.

The company has recently filed its accounts for the year ending April 2018. Due to Cauta's small size, they were unaudited and did not include a profit and loss account.

The accounts show net assets of £70 million, consisting predominantly of £70 million of investments under "Fixed assets" (described later as "a portfolio of listed shares"), a further £7 million of current assets, minus £7 million of creditors (i.e. bondholders). Which seems like a pretty healthy financial position.

The accounts however immediately raise the question; where did this £70 million in investments come from?

Continue reading...