Having read this thread all the way through, as it unfolded, I hope some sort of criminal prosecution is brought against the director(s) of Proviation because of the chronically poor way in which they handled customers and their business, which goes so consistently far beyond incompetence as to indicate fraud in my opinion.
Having said that, after reading the recent "poor me" diatribes by one of those directors, I did start to wonder about Paul Kerry's credentials. I didn't wonder for long (I have never given money to Proviation so this thread is purely for entertainment) but it was quite scathing and makes it appear that Paul is not everything he has purported himself to be.