20 July 2012

Tax fraud: R. v. Rowley & Skinner


Fraudulent GST invoices totalling $9.5 million which generated personal benefits exceeding $2.3 million for two Wellington tax agents resulted in convictions for Barrie James Skinner and David Ingram Rowley, trading as Tax Planning Services Ltd.
This followed a raid on Tax Planning’s offices in April 2010 by a dozen Inland Revenue officers.  They spent twelve hours searching through the company’s records and took copies of computer hard drives.
Inland Revenue suffered an initial loss of $3.1 million because of the scam, but recovered most of these losses after reversing the deductions and GST input credits claimed by Tax Planning clients.  Skinner and Rowley were convicted of multiple offences for dishonest use of documents to obtain a pecuniary advantage, perverting the course of justice and knowingly providing false information to Inland Revenue.
The High Court in Wellington was told Mr Shaan Stevens, a former chartered accountant with Guinness Gallagher Accounting Ltd, was jointly charged with Skinner and Rowley in respect of 13 charges of dishonest use of a document for which he received kickbacks totalling $8500.  Stevens pleaded guilty before trial to these 13 offences, together with others, and was sentenced in November 2011 to ten months home detention, 150 hours community work and ordered to pay reparations of $121,850.
Evidence was given that the tax fraud was engineered by Skinner and Rowley using tax clients who were looking to minimise tax payable.  Clients typically had a large tax bill to pay but no cash to meet the liability.  Over a five year period, Skinner and Rowley issued false invoices to 27 tax clients for fictitious “consultancy” or “sub-contracting” work supposedly done at the client’s request.  These false invoices inflated taxable expenses for clients, driving down taxable income and also supported a GST refund.  Tax clients were assured that the transactions were a legitimate method of tax reduction.  Most clients had no understanding of tax accounting and went along with what Tax Planning was recommending.  Those clients seeking some explanation of what was happening were usually told that they had purchased a tax loss business or third party debts as part of a scheme to reduce their taxable income.
In a typical transaction, the client received a tax invoice for services (which were never to be provided) and then paid the face value of the invoice, usually into Tax Planning’s trust account.  Within a couple of days, about two-thirds of this payment was rebated back to the client.  The remaining one-third went to Skinner and Rowley or interests associated with them.
Tax Planning then adjusted the tax client’s tax returns to claim the full value of the invoice for income tax and GST purposes.  The scheme benefitted Tax Planning clients because the combined economic effect of the income tax deduction and the GST input credit exceeded the amount of cash Skinner and Rowley retained.
Skinner and Rowley were convicted for dishonest use of documents arising from the false invoice scam.
When Skinner and Rowley became aware that Inland Revenue was approaching clients investigating tax irregularities they set about trying to convert the false invoices into legitimate transactions: clients were approached and told the invoices related to work done on the client’s behalf for the purchase of apartments or car park licences.  Dummy contracts, held unsigned, were generated to support a story that there was a concrete transaction behind each consultancy invoice.  Forensic analysis of Tax Planning computers identified that the dummy contracts were created years after the date of the supposed transaction – this despite attempts by Rowley to manipulate the computer’s master clock tracking transactions.  Tax Planning clients expressed surprise and bemusement when learning they had supposedly purchased interests in Wellington apartments or car park licences.
These attempts to concoct legitimate consulting transactions led to convictions for perverting the course of justice.
Skinner and Rowley were also convicted of knowingly providing false information when filing their personal tax returns. 
The court was told that Rowley under-declared his income by some $296,000 for the five year period 2006-10; Skinner by some $1.06 million for the same period.  At a time when Skinner had declared income of only $390,000 he had spent just over two million dollars on his credit cards, including nearly $725,000 on overseas travel and over $550,000 on food and accommodation whilst overseas.
R. v. Rowley & Skinner – High Court (20.07.12)
12.017



19 July 2012

Capital + Merchant: R. v. Douglas & Nicholls


Two directors of Capital + Merchant Finance, Wayne Leslie Douglas and Neal Medhurst Nicholls, have been acquitted of criminal charges laid in respect of loans to a Palmerston North development known as The Hub.  It was alleged they had a close personal involvement in the development which was kept hidden from investors.   Capital + Merchant went into liquidation in 2009.  Some 7500 investors are unlikely to see any return on their $167 million invested.
Douglas and Nicholls were jointly charged with theft of $14.4 million of investors’ funds and with deceit by issuing a false prospectus.  The High Court was told the charges arose from loans made by Capital + Merchant during the period 2002-05.  The two directors owned Capital + Merchant through a chain of other companies and trusts.
The court was told that in 2002 a financier called National Mortgage Nominee Co Ltd had taken possession of a seven storey building in central Palmerston North, later to become part of The Hub.  The building owner had “done a runner” owing about three million dollars.  Messrs Douglas and Nicholls were directors of National Mortgage, a contributory mortgage company which pooled investors funds into property loans.  The two directors were keen to sell the building and recover the money due.  There was some suggestion that they had personally guaranteed repayment.  A partner in Stace Hammond, the law firm acting for Capital + Merchant, introduced them to a Mr Stokes as a man with some business experience in rural and commercial real estate who might be able to assist.
In a series of transactions over the next few months, interests associated with Mr Stokes purchased the seven storey building in question plus an adjoining property – all with funding provided by Capital + Merchant.  The purchases were entirely debt-funded.  The intent was that both properties would be redeveloped into accommodation, then sold to repay Capital + Merchant.
Evidence was given that Capital + Merchant funded costs of the redevelopment.  There were delays and substantial cost overruns.  As the development neared completion rooms were let to tenants.  Demand was poor. The buildings are old.  The cost of heating and maintenance were high, meaning revenue was insufficient to pay interest on the Capital + Merchant debt let alone contribute towards repayment of the loans advanced.  In the end, Capital + Merchant purchased the development and sold to another buyer.
Justice Wylie ruled that Douglas and Nicholls were not guilty of theft because while they did control Capital + Merchant, loans made to The Hub were not in breach of the company’s lending obligations set out in the trust deed required of all companies borrowing from the public.  It was argued that loans to The Hub were “related party loans” with Mr Stokes merely being the “front man” for the “real” borrowers: Douglas and Nicholls.  Related party loans by Capital + Merchant were prohibited by its trust deed.  While there are grounds for suspicion that Douglas and Nicholls were the real borrowers, this was not established beyond reasonable doubt, Justice Wylie said.
Criminal convictions for deceit in relation to Capital + Merchant’s issue of a prospectus also depended on The Hub loans being non-disclosed related party transactions.  Justice Wylie said prospectus disclosure rules at the time of the loans were governed by regulations under the Securities Act.  Douglas and Nicholls had no legal or beneficial interest in the companies and trusts fronted by Mr Stokes when the loans were made.  There was no obligation to separately disclose The Hub loans as Douglas and Nicholls were not related parties.
R. v. Douglas & Nicholls – High Court (19.07.12)
12.019


12 July 2012

Perpetual Trust: Trustees Executors v. Perpetual Trustees


Perpetual Trustee has been forced to accept independent minders monitoring its board.  This after allegations that interests associated with George Kerr, who ultimately controls Perpetual Trustee, were siphoning off investment funds to support their own private business interests.
Perpetual is the financing arm of listed company Pyne Gould Corporation.  It raises funds from the public and like all public borrowers has a trustee corporation appointed to act on behalf of these investors.  Trustees Executors as appointed trustee expressed concern that investor interests were at “significant risk” because of alleged related party dealings between Perpetual Trustee and the Torchlight Fund, a further fund involving interests associated with George Kerr. 
Concerns centred on a $21.6 million loan made to Torchlight in February 2012.  Perpetual board approval was not given until after the funds had been advanced with the necessary paperwork to follow.  Funds advanced ballooned beyond the total approved to reach $28.2 million.
After learning of the transaction, Trustees Executors reported its concerns to the Financial Markets Authority.   Fearing damage to Perpetual Trustees’ reputation with the investing public, Pyne Gould commenced closed door negotiations with the Financial Markets Authority, promising to refinance Torchlight’s borrowings and repay Perpetual.  
Concerns about both financial management within Pyne Gould and the liquidity of Perpetual Trustees became public in May 2012 with the resignation of Pyne Gould’s auditor KPMG.
Subsequently the High Court appointed Ms Vivian Fatupaito and Mr Christopher Duffy as observers to attend meetings of the Perpetual Trustee investment fund board meetings with authority to see all information available to the board and to ask questions relevant to the funds advanced to Torchlight.
Pyne Gould has said that it “expected” to repay the Torchlight advances by the end of July 2012.
Perpetual Trust v. Financial Markets Authority – High Court (26.6.12) & Trustees Executors v. Perpetual Trust – High Court (12.7.12)
12.021