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Contact Guernsey’s bi-monthly business magazine
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A P R / M AY 2 0 1 3
PROPERTY ONTHERISE RECORD BREAKING NUMBER ONE
Page 36
My business life Glyn Smith from Insurance Corporation PAGE 28
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Budget talk
Osborne’s striding on with the aspiration budget PAGE 46
Malaysia
Guernsey’s growing reputation in the Far East PAGE 22
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Welcome PLEASE TAKE ONE
Contact Guernsey’s bi-monthly business magazine
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A P R / M AY 2 0 1 3
PROPERTY ONTHERISE RECORD BREAKING NUMBER ONE
Page 14
My business life Glyn Smith from Insurance Corporation PAGE 28
Budget talk
Osborne’s striding on with the aspiration budget PAGE 18
Malaysia
Guernsey’s growing reputation in the Far East PAGE 44
GUERNSEY CHAMBER Guernsey Chamber of Commerce, 16 Glategny Esplanade, St Peter Port, Guernsey GY1 1WN Tel: 01481 727483 Email: office@guernseychamber.com The Chamber office is open from Monday to Friday 9.00am - 4.00pm and a meeting room with facilities is available for a small charge. CHAMBER ONLINE For all the latest news and events, visit www.guernseychamber.com If you would like to become a member of Chamber application forms are available online to download. PUBLISHERS If you would like to appear in Contact, have a story to tell or simply want to receive a copy, then get in touch with the publisher: LIGHTHOUSE MEDIA GUERNSEY C/O GUERNSEY HERALD LIMITED Braye Road Industrial Estate Vale Guernsey GY2 4WX EDITOR Jon Taylor DESIGN AND PRODUCTION Lighthouse Media Guernsey PHOTOGRAPHY Chris George Stacey Upson Please recycle this magazine. Contact can be downloaded at issuu.com
“In these economically challenging times, the blame game remains as UK public criticism continues to grow against those that are regarded as not paying their fair share. As a result, we are now seeing measures such as naming and shaming of both users and promoters of tax avoidance schemes.” Once again our attentions were drawn to another Chancellor’s Budget that focused on addressing tax evasion and avoidance. The Budget coincided with the release of a progress report on tackling avoidance entitled ‘No safe havens’ by HMRC’s new centre of excellence on offshore tax evasion. In these economically challenging times, the blame game remains as UK public criticism continues against those that are regarded as not paying their fair share. As a result, we are now seeing measures such as naming and shaming of both users and promoters of tax avoidance schemes. The distinction between legal tax avoidance and illegal tax evasion can no longer be seen as the divide between what is acceptable behaviour and what crosses the line - the line, according to local tax experts PWC, has moved. ‘The UK is leading the charge on international automatic information exchange, and the Budget announced that an Intergovernmental Agreement has been reached with all three Crown Dependencies is an important step for the UK towards this cause. Cayman has also announced that it will enter into a UK IGA. The spotlight on tax evasion has not been limited to the UK but can be seen in other higher tax jurisdictions, and the idea that automatic information exchange will quickly become the international standard looks very credible,’ announced PWC following the Budget release. Alongside the UK IGA is a disclosure facility. The UK expect to raise a startling £1 billion from the Jersey, Guernsey and Isle Of Man disclosure facilities over the next 5 years. Given the Lichtenstein disclosure facility (with more generous
terms) raised only £140 million in its first two years, and in light of the fact that the three Crown Dependencies are highly regulated, this target looks highly ambitious. Perhaps in time the failure of the Jersey, Guernsey and Isle Of Man facilities to raise significant amounts will finally dislodge the perception of the Islands as tax havens. There were other aspects of the Budget that will raise concerns for Guernsey’s finance industry. In particular the changes affecting UK and offshore funds including measures to enhance the attractiveness of UK funds and closing loopholes in the offshore fund regime. The UK Government will also consult on measures to deal with offshore employment intermediaries being used to avoid UK NIC and income tax. The spotlight on offshore finance continues unabated but as our contributors to Contact demonstrate, we do have an industry of experts who we can entrust to keep Guernsey a stable and well respected jurisdiction for a generation to come. In this edition of Contact we identify the challenges facing the property investment sector, two of Guernsey’s bright young legal minds report from their sectors and we feature the opportunities for Guernsey in Malaysia. Once again our chamber is at the forefront of setting the business agenda in the Islands having hosted MATRADE during a recent visit to Guernsey. I hope you enjoy this latest edition of Contact. Jon Taylor Editor.
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Contents News ................................................................................................ 06 - 13 People ............................................................................................. 14 - 15 High hopes for Malaysia ............................................................. 22 -27 Striding on with the aspiration budget............................28 - 29 Guernsey property investing ..................................................... 30 - 31 First time buyers: Stimulating the market............................................... 33 Number One: Breaking records in St Julian’s Avenue ........................... 36 - 37 Economical with the truth: Sark’s troubled economy
................... 38 - 41
Introducing: With Sydney Charles...................................................... 42 - 45 My business life: With Glyn Smith................................................... 46 - 47
20
Image rights: ........................................................................................ 49 Case file: With Anthony Williams ........................................................ 50 - 51 Company profile: 1st Central.......................................................... 52 - 55 Chamber Directory listings ....................................................... 56 - 70
The Guernsey Chamber of Commerce accepts no responsibility for the views expressed by the editor or contributors to Contact magazine. The publisher (Lighthouse Media) accepts no responsibility for errors or copyright in articles supplied by contributors or advertisements in Contact magazine.
04 | CONTACT | APR / MAY 2013 | www.guernseychamber.com
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News
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Ogier acts on HarbourVest’s US$1.2 billion portfolio acquisitionwins Silver Trowel Award
Caroline Chan
Ogier recently acted as Guernsey legal adviser to HarbourVest Partners, LLC in the purchase of the investment portfolio of Conversus Capital, L.P. by HarbourVest Structured Solutions II L.P. Debevoise & Plimpton LLP in London and New York and Ogier in Guernsey have advised HarbourVest Partners, LLC (HarbourVest) in connection with the acquisition by HarbourVest Structured Solutions II L.P., a newly formed Guernsey limited partnership managed by HarbourVest, from Conversus Capital, L.P. (a Guernsey investment fund listed on NYSE Euronext in Amsterdam) of Conversus’ portfolio of private equity fund interests and direct co-investments. HarbourVest Structured Solutions II L.P. acquired the portfolio for approximately US$1.2 billion, after adjustments for certain capital calls and distributions.
HarbourVest is an independent global private equity firm that invests in venture capital, buyout, mezzanine debt and distressed debt through primary partnerships, secondary purchases and direct investments. HarbourVest Structured Solutions II L.P. is a Guernsey authorised closed-ended investment fund. The Ogier team was led by Guernsey partner Caroline Chan, with managing associates Andrew Munro and Andy Lowe. Caroline Chan commented: “We have been delighted to work with HarbourVest and their lead advisers Debevoise & Plimpton on HarbourVest’s latest project in Guernsey. This has been an interesting transaction involving Ogier lawyers providing fund, regulatory, M&A and financing advice.
Coutts Guernsey hosts client investment dinner In-house investment specialists outline the five key risks and ten opportunities for 2013 Guernsey – Last week Coutts hosted a client investment dinner at the prestigious Fermain Valley Hotel in Guernsey. The discussion centred on Coutts’ 2013 investment outlook: 5&10, highlighting Coutts’ view of the five risks and ten opportunities within the investment landscape this year. Opportunities include: a revival in the US oil and gas industry, Japanese equities and the property market. Risks highlighted include political tensions and the prospect of inflation being re-ignited over the course of the year. Alan Higgins, Chief Investment Officer, UK; Niamh Wylie, Director within Coutts’ Investment Team; Richard Tribe, Director, Coutts Channel Islands and Maya Prabhu, Managing Director, Head of Philanthropy, discussed their latest insights following which the panel took Q&As from guests.
Alan Higgins comments: “Although the markets continue to be challenging, we see at least ten reasons to be optimistic. Progress is being made in the Eurozone as we begin to see the positive effects of austerity, we continue to see opportunities in India and China and have already seen some reward from the rise of equities. However, risks remain inherent in financial markets and never more so than with politics. We believe the impact of political events and decisions, which have grown in the wake of the financial crisis, remain a key risk.” He continues, “This year could be a seminal year marking the reversal of recent trends; bonds are no longer the safe-haven asset they were perceived to be and equities are seeing a comeback. As bond valuations reach extreme levels, we are mindful of the real prospect of
investors losing money. Risk management is all the more essential and we continue to place this at the heart of every asset allocation decision we make.” Richard Tribe added: “We have a strong team in Guernsey and it was great to see our clients so engaged. We were delighted to be able to give them access to the intellectual insights of our investment team. This dinner was held in response to client demand as the current economic climate continues to raise questions, especially around protection against inflation. I am in no doubt that Alan and Niamh were able to instill our investors with renewed confidence and spark some consideration to the opportunities for 2013.”
06 | CONTACT | APR / MAY 2013 | www.guernseychamber.com
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Corporate & CommerCial / trust & FiduCiary / Funds / insuranCe / property / dispute resolution / insolvenCy
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News Aquitaine and Goethe Trust Companies Merge Two of Guernsey’s most respected independent trust companies, Aquitaine Group Limited and Goethe Management Limited have announced their merger on 1 January 2013. The two ownermanaged businesses began formal discussions mid-way through 2012 and very quickly agreed that a merger would bring benefits to the combined businesses and their clients. The newly merged business has come together under the Aquitaine brand and its 22 employees are based at Mill Court, La Charroterie, St Peter Port. The owners and management of Aquitaine and Goethe have known each other professionally for many years and quickly saw that their common goal of providing a consistent high quality, personalised client service could be best achieved in the future by combining their respective expertise, resources and infrastructures.
All existing staff, many of whom have worked together for a considerable time, have been retained. The merger gives critical mass to the business and the new company structure creates the ideal mix of operational staff and directors. Aquitaine’s new Chairman is Chris Legge and its Directors are Adrian Pickering, Sarah Parkes, Paul Le Poidevin, Steven Ward, Simon Brooks, Nigel Robins, Paul Gaudion and Ciara Gurney. Adrian Pickering will assume the role of Managing Director when Sarah Parkes retires in April. Goethe Management Limited opened for business in 1982 and latterly has been managed by former partners and staff from a big four accountancy firm while Aquitaine began life in 2008 and was formed by a team of individuals who previously managed the Channel Islands Fiduciary Services business for an international
private bank. Adrian Pickering says: “The merger was designed to bring an enhanced capability and efficiency to the businesses. We believe that retaining true independence in a fiduciary services business is of paramount importance when considering the requirements of our clients. We work hard to build long term relationships with our clients and intermediaries and that is only possible through the loyalty and the continuity of our people. The merger means that existing clients can continue to receive the high level of service that they have grown to expect and we have the infrastructure and skilled resources to service new business to that same high standard.”
08 | CONTACT | APR / MAY 2013 | www.guernseychamber.com
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Skipton International Ltd is registered in Guernsey (30112) and is licensed under the Banking Supervision (Bailiwick of Guernsey) Law 1994, as amended. Skipton International Limited is a participant in the Guernsey Banking Deposit Compensation Scheme. The Scheme offers protection for ‘qualifying deposits’ up to £50,000, subject to certain limitations. The maximum total amount of compensation is capped at £100,000,000 in any 5 year period. Full details are available on the Scheme’s website www.dcs.gg or on request. To help maintain service and quality, telephone calls may be recorded.”
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Cycling Challenge Gives Teenage Cancer Trust in Guernsey a Fundraising Boost The Teenage Cancer Trust Guernsey Appeal has been boosted by the cycling and fundraising efforts of the head of Deutsche Bank in the Channel Islands. Having initially raised a total of £3,700 in aid of the local charity through his own fundraising efforts as part of the Ride Across Britain cycle challenge last year, Andreas Tautscher, Chief Country Officer for Deutsche Bank Channel Islands, was recently successful in receiving an additional £1,000 as part of Deutsche Bank’s national ‘Matched Giving’ scheme. He also raised a further £3,700 in aid of the Children’s Cancer and Leukaemia Group. The Ride Across Britain took place between the 8th and 16th September, covering the 960 miles from Lands End to John O’Groats, with nine cyclists from Guernsey forming part of the 600-strong field of participants. The route was broken down into nine daily stages averaging over 100 miles per day, with cyclists climbing over 65,000ft over the course of the challenge. Deutsche Bank’s ‘Matched Giving’ scheme provides an incentive for staff who undertake sponsored challenges. Under the scheme, if an employee raises money for a Channel Islands or a UK charity,
Deutsche Bank can match their fundraising efforts up to a certain amount. Andreas Tautscher said: “The generosity of people who had initially sponsored me to undertake this challenge was fantastic, but to receive this additional boost from Deutsche Bank in the UK in aid of such a good local charity makes it even more special. It was a gruelling challenge for me and all the Guernsey cyclists who took part, but having the opportunity to see so much of the beautiful English and Scottish countryside and raise money for such worthy causes at the same time made it a particularly amazing experience.” Claire Hermann-Smith, Assistant Treasurer, Teenage Cancer Trust Guernsey Appeal, added: “Being the beneficiary of fundraising initiatives like this is always fantastic and we really appreciate Andreas’ amazing achievement and Deutsche Bank’s additional generosity. These funds are extremely welcome as part of our on-going work in raising awareness about cancer locally and in supporting young people diagnosed with cancer in Guernsey.” Further information about the Ride Across Britain cycle challenge can be found at www.rideacrossbritain.com.
Companies warned to be aware of opportunists MORE than 80% of breaches into a company’s IT system will be opportunistic. Speaking at a seminar organised by Cable & Wireless Communications, Colin Whittaker, vice-president of payment system risk for VISA Europe, warned that just 17% of security breaches were targeted and the rest were opportunistic. He added that the sophistication of breaches now meant that it could sometimes be up to 18 months before they are discovered and that often it was impossible to identify what data criminals could make money from. ‘The threat will never go away, technology is not standing still,’ he said. ‘For data security to be meaningful, it needs to be applied sensibly. A security and compliance policy that relies on a single solution, a single approach and a single correct answer is not likely to succeed in its objectives.’ Mr Whittaker was joined on the panel by lawyer Tim Ryan, partner at Clarke Willmott LLP; Matthew Tyler, CEO of security, risk and compliance consultancy Blackfoot; and Frank Jennings, a lawyer ranked number for technology and media & entertainment by the independent legal directory Legal 500, who also holds the position of chairman of the UK Cloud Forum. ‘The seminar provided a fascinating insight into the complexities of collating and storing data, how best to release its full value and looked at how forthcoming changes to EU legislation will increase the level of penalties for breaches in data security. Although we are not part of the EU, that legislation will have an impact on the way we all do business and it would be foolhardy of us not to follow best practice and comply with European standards,’ said Justin Bellinger, business development of Cable & Wireless Communications who joined the off-island speakers on the panel. The EU currently has a working party called W29 looking at data protection legislation but it has differing views to the UK’s Information Commissioner’s Office. Regardless of those views, it looks likely that from 2014, regulators could have the power to fine companies 2% of its annual global turnover if a data breach occurs. ‘Guernsey is in a unique position and can cherry pick the best of data protection legislation from around the world to ensure that our name is at the top of list. If we raise the bar then we can use that to attract business to the island. E-gaming and image rights are proven examples of Guernsey taking the initiative for the benefit of Guernsey and we could do the same with data protection,’ he said.
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News Guernsey to agree package of tax measures with the UK Guernsey’s Chief Minister announced in March Guernsey’s intention to finalise a draft agreement on a proposed ‘tax package’ with the UK that will reinforce Guernsey’s commitment to tax transparency and its status as a leading and respected mainstream international finance centre The proposed ‘package’ comprises: • agreement in principle to enhanced reporting of tax information along FATCA principles through an Intergovernmental Agreement (‘IGA’), with alternative reporting arrangements for nondomiciled UK tax residents (non-doms); • agreement to negotiate a revised Double Taxation Agreement; and • agreement on a disclosure facility. The announcement comes as Guernsey also moves towards concluding an IGA with the US on FATCA. Both IGAs will be subject to the proper decision making process of the States and thus will be presented to the States for approval later this year. The proposed package of measures would further reinforce Guernsey’s position as a tax transparent, co-operative jurisdiction and best positions Guernsey’s finance sector for long term growth opportunities. Chief Minister Deputy Peter Harwood commented: “Guernsey is fully committed to combating tax evasion and the principle of automatic exchange and our twin IGA approach to US / UK reporting will
Latest residential property prices bulletin released by the States
provide our industry with a very strong platform to compete on the world stage against weaker, less transparent and compliant jurisdictions. The agreement that we are working towards with the UK will be consistent with our belief that Guernsey’s long-term sustainable economic future is best served by safeguarding our position and reputation as a respected, well regulated, tax transparent jurisdiction. With such a UK agreement, automatic exchange under the EU Savings Directive and importantly an IGA arrangement with the US for FATCA now almost concluded, we believe Guernsey business will have both certainty and a competitive advantage.” Guernsey’s Treasury & Resources Minister, Deputy Gavin St Pier added: “Securing a proportionate and workable nondom reporting regime is clearly pivotal. The arrangements we have negotiated are nonintrusive and respect non-doms’ different status under UK tax laws. We are confident that they will secure Guernsey’s attractiveness for non-dom business, not least as they were devised in close consultation with industry groups and practitioners. “We will also agree to a disclosure facility as part of a wider agreement between our two jurisdictions. Given our long-standing commitment to transparency, including our extensive network of tax information exchange agreements and the fact that we already exchange information
The mix adjusted average purchase price for local market property was £442,508 in the fourth quarter of 2012, 0.9% higher than the same quarter of the previous year. Dr Andy Sloan, States Economist said: “The latest figures point to continued softening of the local property market over the last quarter of the year - this is unsurprising given the subdued economic conditions experienced during 2012. Prices remained fairly flat and volumes of transactions for the fourth quarter were slightly weaker than a year previously. Looking forward, we should see a slight increase in both transaction numbers and the rate of property price inflation later in the year if economic conditions improve towards the middle of
automatically under the EU Savings Directive, we don’t expect the facility to be used much, if at all.” Guernsey’s Commerce & Employment Minister, Deputy Kevin Stewart said: “Our industry asked for long-term certainty, and this proposed agreement and package of measures will give them that. That certainty will give them greater confidence and a competitive edge, as Guernsey will now be even better placed to capture future growth opportunities in finance as a mainstream tax neutral and transparent jurisdiction. The international finance sector has changed and Guernsey has not just changed with it, but has continued to influence that change. Our leadership on the international tax transparency agenda marks us as a mainstream and cooperative place to do business, and sets us apart from weaker, less transparent and co-operative jurisdictions. That will help our firms attract more business.” The final terms and details of the enhanced reporting agreement and the alternative non-dom reporting arrangements will be published in due course and will be subject to consultation with industry on implementation issues. It is presently intended to publish both the US IGA and the UK IGA concurrently to provide for a streamlined consultation and implementation process.
the year, as is the current forecast. However, given high relative prices (to earnings) and limited potential for real earnings growth in the short term any pick up in general conditions is unlikely to see a return of rapid rates of house price growth as experienced just a few years ago.
10 | CONTACT | APR / MAY 2013 | www.guernseychamber.com
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Commercial property company reports promising first quarter after sluggish 2012 Montagu Evans CI Ltd who specialise in all things commercial property-wise have reported a promising first quarter to 2013. Tony Rowbotham, Managing Director says that, following a sluggish period over the last 12 months, the first quarter of 2013 has produced an uplift in enquiries regarding sales, lettings and valuations. The company’s core business is commercial property management however Montagu Evans are pleased to report they have recently sold three well known and substantial local properties. This can be demonstrated with the sale of an attractive investment property at 13 High Street, let
to HSBC, with the sale going through in the order of £2.5m. The company has also recently completed the sale of St Clare Court which fronts Brock Road, St Peter Port. This 35 bedroom property lodging house was snapped up by The Liberation Group for an undisclosed sum. Conditions of Sale for a very well known local landmark in the form of the Channel Island Tyres site in La Charrotterie have been signed this week. Montagu Evans, having obtained outline permission for 16 local market apartments and 3 townhouses with car parking, sold the site on behalf of its owner to a local developer. This is a particularly exciting
development and once finished will contribute to the on-going regeneration of the Charrotterie area. Tony stated that following the banking crisis and ensuing recession in 2008, Guernsey experienced a time lag prior to this affecting the commercial property sector in the Island. However, having experienced this upsurge of interest in the early months of 2013, he is quietly confident that Guernsey is experiencing the first green shoots of recovery and gradually emerging from this lacklustre period.
200+ hear Guernsey’s position on AIFMD More than 200 fund managers and advisers attended a Guernsey AIFMD Masterclass in London this week to hear how the Island’s plans for a dual regulatory regime mean it is perfectly positioned to continue to service clients in the wake of the EU’s Alternative Investment Fund Managers Directive (AIFMD). Held at the Grand Connaught Rooms in London on Tuesday 19 March, the event, ‘Navigating AIFMD’, examined how Guernsey’s funds sector is preparing to introduce a regime that is AIFMD compliant, while also maintaining existing regulations for those investors and managers who are not obliged to follow the AIFMD route. Fiona Le Poidevin, Chief Executive of Guernsey Finance, the promotional agency for the Island’s finance industry, said: “We are very pleased that the event was so well attended. The strong turnout shows the continued high level of interest not just in AIFMD itself, which remains a hot topic, but in particular Guernsey’s dual regulatory regime. The audience included many managers and advisers who are familiar with Guernsey and want to keep up to date with our plans regarding AIFMD. However, we also had a significant number of attendees who do not currently use Guernsey but are interested in our model in relation to AIFMD and the opportunities this might present for them.” The event’s panel comprised Guy Rainbird, Public Affairs Director at the Association of Investment Companies (AIC); Jonathan de Lance-Holmes, Partner at Linklaters; Stephen Foster, Chief Operating Officer at Credit Suisse;
and Neale Jehan, Executive Director at KPMG and Chairman of the Guernsey Investment Fund Association (GIFA) Technical Committee. Jarrod Cowley-Grimmond, Director of Finance Sector Development for the Guernsey Government, moderated the panel discussion. The event began with a short presentation by Mr Jehan on Guernsey’s proposed dual regime. He concluded: “We believe that embracing AIFMD, while recognising that we have a duty to our non-EU clientele and developing a regulatory regime that reflects this, will position Guernsey almost uniquely in the global fund industry in the years to come.” Guernsey intends to operate dual regimes from July 2013, which is the deadline for the AIFMD rules to be transposed into EU law. At a basic level this will enable distribution of Guernsey products intoboth EU and non-EU countries via normal marketing routes, including EU national private placement regimes where they remain available. In addition Guernsey is examining the possibility of operating a Guernsey “opt in” AIFM regime in order to access (on a bilateral basis) EU member states that align their private placement rules with AIFMD. In addition, Guernsey will be engaged in future consultations in relation to how third country ‘passporting status’ will operate from July 2015. Ian Garrett, Partner at FGG LLP, was one of those in attendance. He said the event was extremely informative. “The quality of the panel was excellent - they provided depth and have got experience which is just what we need. Guernsey is like a friendly port
in a stormy sea of financial services and it is stable,” said Mr Garrett. “We are often approached to form funds and we need to stay abreast of where the world is going in terms of regulation. Arenas and platforms like this are invaluable. They bring Guernsey to London which is a good thing, they keep the profile of Guernsey as a financial centre high and are user-friendly.” Charles Fox, a member of the funds and financial services team at Mishcon de Reya, was impressed to hear how Guernsey was approaching AIFMD. “Many other talks have been on the premise that you are in AIFMD. It was refreshing to hear the options and approaches available to managers to determine what market you want to approach and take an active decision about whether you want to be in AIFMD or not. It was interesting to take a step back and have an overview about how an offshore jurisdiction is approaching this in a pragmatic way,” he said. Guernsey is hosting a further funds event in London in May. The Guernsey Funds Forum 2013 will examine the future shape of the global funds industry. The event will be held at the Grange St Paul’s Hotel in London on Thursday 2 May and will culminate in a keynote debate featuring industry experts Nigel Vooght, PwC’s Global Financial Services Leader and head of its future-focused initiative ‘Project Blue’, and Better Capital’s Jon Moulton. The debate and the preceding panel sessions will be moderated by ITV News Anchor, Alastair Stewart.
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News WIP bursary increased to £1,500 A BURSARY aimed at giving young women in Guernsey the chance to develop essential life skills has been increased to £1,500. Women in Professions, which provides networking and support for professional women in the Bailiwick, launched its bursary scheme in 2011 and is offering a bursary to enable a local woman between the ages of 18 and 25 the opportunity to broaden their skills by working with a voluntary organisation. ‘We know from our own membership that women in the Bailiwick possess outstanding skills, expertise and experience. Women are contributing at the very highest level but in order to do that effectively, we recognise that education is not enough,’ said Women in Professions’ president Elaine Gray. ‘Life experience develops skills which cannot be
learnt in the classroom but which are essential for moving organisations, in whatever industry, public or private. The aim of the Women in Professions bursary is to provide a future female bright star with the opportunity to develop and broaden those all important life skills which are invaluable at all stages of a career.’ The £1,500 will used for the cost of travel and living expenses during the placement which must be a minimum of four weeks, in any country and working with any organisation providing they are a registered charity. ‘We have tried to keep the criteria as broad as possible in order to allow applicants to choose charities which are close to their hearts and which they feel passionately about. By giving the
opportunity to experience something they may not ordinarily be able to do, we are investing in the future generation of the island,’ said Advocate Gray. Applicants need to complete an application form, which includes questions about why the charity has been chosen, what they hope to achieve and why they think they should be chosen. Applications will be considered by a panel comprising of Advocate Gray, Women in Professions’ immediate past president Fionnuala Carvill and Magistrate Cherry McMillen who will shortlist three women for interview and then chose the successful applicant.
Client data: Manage the risk, avoid the crisis …
Advocate Bedell Cristin hosted a seminar last week at John Barclay the Old Government House Hotel in Guernsey on the subject of data management and, in particular, electronic data management. Chaired by Jersey Litigation partner David Cadin and with an expert panel comprising Dr Stephen Chiang, Head of Group ICT at Bedell, Advocate Jon Barclay from Bedell Cristin in Guernsey and Kelvin McGregor-Alcorn, a Director leading the Electronic Disclosure Group at Deloitte London, the seminar covered a large number of the challenging issues presented by electronic data management. The amount of information in paper and
electronic format produced by and available in organisations has had, and will continue to have, profound consequences. According to Kelvin McGregor-Alcorn, director leading the Electronic Disclosure Group at Deloitte London and speaker at the Bedell Cristin seminar on data management, the average amount of data now being found in users’ corporate mailboxes on average is between 300,000 and 500,000 documents. ‘Multiply that by the number of users, and even small businesses are sitting on huge amounts of ever-increasing data that you probably cannot easily delete,’ he said. Under the provisions of the Data Protection
(Bailiwick of Guernsey) Law, 2001, personal data must be ‘not kept longer than is necessary’. For a business, however long data is kept there is a risk that at some stage that data might be required to be disclosed. If a business cannot comply with such a request, it may be subject to penalties. ‘Data is anything that contains information which includes paper and electronic documents, emails, texts and voice records and also the metadata that goes with those documents.’ said Bedell Cristin Advocate Jon Barclay, adding that ‘how you manage and store your data now will ultimately dictate the cost, timescale and effort required to search and to produce any information required.’ According to the panel, there are four key questions to ask yourself: • What data do we hold? • Where do we hold it? • In what format? • What do we actually need to keep? As Advocate Jon Barclay said: ‘If you have a policy and apply it then you may legitimately be able to limit the extent of requests for data that has passed its destruction date, however if you do not have a policy then there is a risk that at some stage you might have to roll up your sleeves and delve in to examine enormous amounts of data.’ Proactive risk management is therefore the best and most cost-effective form of defence.
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GOT NEWS? Email us at: info@lighthouseci.com or write to: News Desk, Contact, Guernsey Herald Group Limited, Braye Road Ind Estate, Vale, GY2 4WX
Guernsey based company assists in Kate Nash album launch On the 4th of March, Kate Nash’s third album, ‘Girl Talk’ launched at St Martins Lane in London, with the assistance of Guernseybased company Oliver Twist Gin. The celebrity-packed event ushered in the platinum selling, singer/songwriter’s highly anticipated third album, where Oliver Twist Gin cocktails were sampled by a fashion, music and TV crowd. Peter Silvester, director of Oliver Twist Gin said: “It’s great to be involved in such a high profile event and have Oliver Twist Gin sampled by some of London’s taste makers.” Kate’s friends, industry insiders and some of Kate’s most avid followers celebrated the new album with a party at London’s exclusive St Martins Lane hotel. The official ‘Girl Talk’ cocktails included the OTT (Oliver Twist and Tonic) and Oliver Twist Gin and Rhubarb cocktails in the hotel’s famous Light Bar. Canapés were provided from Asia de Cuba, including Mini Fish & Chips for a thoroughly British event. Oliver Twist managing director Keiran WyattNicole explained how a Guernsey company
was asked to be involved: “The Oliver Twist Gin, which is managed from Guernsey, is brewed next to the River Thames in the heart of London. It has been recognised recently as a quintessentially English brand, particularly by Kate Nash’s PR company because of our work promoting it on Twitter and our search engine optimisation for “London distilled gin”. Mr Wyatt-Nicole’s working relationship with Radio 1’s Gemma Cairney was also a factor in creating the synergy between the two brands, as the event’s DJ lineup included The Broken Hearts and Gemma Cairney. Attendees included Chris O’Dowd and Dawn Porter, Gizzi Erskine, Sheridan Smith, Made in Chelsea’s Ollie Locke, XFactor competitor Adam Burridge, actor Russell Tovey, Damian Jones, and PPQ’s Percy Parker.
CICRA launches pan-CI groceries study CICRA (the Channel Islands Competition and Regulatory Authorities) has formally announced its plans to review the cost of groceries in the Channel Islands today. The aim of the study is to investigate the costs involved in the supply and retailing of groceries in both Guernsey and Jersey and to provide consumers with greater transparency as to the reasons for higher prices. If higher prices are not commercially justified, CICRA will make recommendations to Commerce & Employment in Guernsey and Economic Development in Jersey as to measures that would achieve better outcomes for consumers. The study will focus on all products sold at supermarkets (i.e. groceries), and not just food and drink. CICRA Chief Executive, Andrew Riseley, cautioned that consumers should not expect prices to fall as a direct result of the study. “There is a general perception that prices for groceries in the Channel Islands are too high. Our study will undertake a comprehensive comparison of prices for a range of groceries in Guernsey, Jersey, the UK and the Isle of Man. We intend to
focus on investigating what causes differences in prices and to examine the extent to which these differences can be explained and justified. “The main aim of the study is to provide more transparency to consumers; it is important to note that CICRA does not have the powers, under the competition laws in either island, to require that retailers reduce their prices. However, if there are steps that we can identify that may increase competition in this sector, then we would make recommendations to the relevant government departments.” CICRA will be meeting with, and collecting information from, wholesalers, retailers and suppliers throughout the course of the investigation and will seek to publish the results in October once they have been shared with the States of Guernsey and Jersey. The Authorities will also be seeking the views of local consumers in Jersey and Guernsey and the launch of these surveys will be announced in the media in due course.
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News CUSTOMER SERVICES AWARDS
The importance of good customer service is a hot topic in Guernsey at the moment as the debate between ‘buying locally’ versus ‘embracing the online revolution’ continues to heat up. Local organisations such as the Institute of Directors and the Chamber of Commerce have been getting behind local companies and doing all they can to retain business within the island. One key element in retaining customer loyalty is offering a service that’s second to none. Human nature is such that we all moan about a bad customer experience making silent (or perhaps not so silent) vows never to shop or do business with that company again. Equally, of course, we will remember an example of service excellence. Either way these experiences have significant influences on our future buying decisions. Our island is too small for a bad reputation not to spread like wildfire and offering a fantastic service to customers is crucial in ensuring business survival – particularly in today’s pretty tough business environment. Guernsey has a vast number of employees and businesses who excel in this area but there had never been a process to give them the public recognition they deserved. “Being polite, helpful and efficient is vital to any business organisation in today’s economic climate and that can be hard to attain when office bureaucracy and business red tape can often get in the way,” explained Julie. “ But there are so many people who seem to have a true vocation in helping others to ensure all their expectations are met. Customers leave with a smile on their face and a spring in their step as a result. ”With the full support of Guernsey Chamber, it seemed only natural to create an event to showcase Guernsey’s best customer
service professionals and the awards are the perfect vehicle for doing just that.” Now in their third year, the Guernsey Customer Service Awards has a new title sponsor for the 2013 event – leading estate agents Livingroom, last year’s winner of the Innovation in Customer Service Award. Livingroom director, Simon Torode, explained why he was keen to get the organisation involved with the event. “We’re delighted to be headline sponsor of the Livingroom Guernsey Customer Service Awards. Customer service is at the heart of everything we do so it was a natural fit to support these awards which recognise and celebrate businesses and individuals who do more than the norm for their customers. We’re excited and looking forward to seeing a broad range of entrants,” Simon said In addition to Livingroom, each individual category has its own sponsor – local businesses who fully understand the need to excel in this most underrated of skills. These include The Bella Group, Hawksford, HSBC, JT, B & Q, SURE (Batelco), Island FM, The Channel Island Skills Academy and Visit Guernsey. While the awards continue to focus on individuals there will again be a number of corporate categories which enable businesses to showcase strategies and innovations they have successfully introduced to develop a customer service culture. “The awards are an ideal platform for a business to demonstrate how it has excelled in embracing a customer-focused ethos for real competitive advantage,” Julie said. The four corporate categories are:Customer service innovation of the year Customer service strategy of the year Customer commitment award Best use of social media Rupert Dorey, President of the Guernsey Chamber of Commerce, said: “The Guernsey Chamber of Commerce is delighted to support this year’s Livingroom Customer Service Awards. This is a great opportunity to showcase some of the quality work undertaken by the customer-facing sector of our business community. I hope to see lots of submissions from across the various sectors of our business community.”
The final word goes to Julie. ”I am excited at the way the awards are growing in importance and thoroughly enjoy every aspect of working with Chamber to produce such a prestigious event. “ There are other customer service-related initiatives we are now putting in place to assist all entrants – including a series of customer service training sessions for those who want their staff to ‘brush up’ their skills – and details of these will be released very soon. In the interim, I would encourage all businesses to get involved, as the importance of good customer service having a dramatic effect on the financial figures of any organisation can never be underestimated.” Key Dates: Corporate entries open Wednesday 1 May - forms and guidelines will be available on the awards website. Public voting for individuals opens Monday 3 June and continues throughout the month. Awards ceremony takes place on Friday 5 July in Market Square. Updates and more information can be found at www.thecustomerserviceawards. com If any business is interested in supporting the event please contact Julie on 07781 116713.
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GOT NEWS? Email us at: info@lighthouseci.com or write to: News Desk, Contact, Guernsey Herald Group Limited, Braye Road Ind Estate, Vale, GY2 4WX
Guernsey fund to target student accommodation in Europe A new Guernsey regulated fund has been launched to target the potential of the European student accommodation market. The Victus European Student Accommodation Fund will invest in a blend of mature existing properties and new developments in major university cities across Europe. It has already raised more than £10 million of initial investment prior to its first dealing day. The fund will work with joint venture partners and local developers within the university locations to gain regional insight, complementing Victus’ property and investment expertise. The expected annual return will be 10-12% pa. Mourant Ozannes advised on the Guernsey legal and regulatory aspects of the fund launch, while Pinsent Mason LLP were UK
legal advisers. Ardel Fund Services Limited in Guernsey has been appointed as administrator to the fund, with Royal Bank of Canada (Channel Islands) as the custodian. James Metcalf, of the Crosslane Group which is the property adviser for Victus, said: “After extensive research we’ve found that the European student accommodation market is around 10-15 years behind the UK. There are few open market transactions at the moment which means there are huge opportunities for growth. At Crosslane, we have gained a great deal of experience in this sector, having already created two UK student accommodation funds.” The first acquisitions by the fund are expected to complete imminently. Commenting on the launch, John Green-
wood, CEO at Creechurch Advisory Services, said: “The property market presents pockets of opportunity at present and European student accommodation is one attractive option that we’re incorporating into our clients’ portfolios.”
ENGAGING DESIGN
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News
GOT NEWS? Email us at: info@lighthouseci.com or write to: News Desk, Contact, Guernsey Herald Group Limited, Braye Road Ind Estate, Vale, GY2 4WX
Homelife Show returns As the current economic climate provides even more challenging times for the majority of businesses, exploiting new marketing opportunities can prove the key to achieving extra growth in sales. The first consumer show to take place in Guernsey for over five years could provide previously untapped business for local companies. About 10,000 people are expected to visit the Guernsey Press Homelife Show to be held over three days at Beau Sejour Centre in November. It will provide a unique opportunity to meet face to face with potential customers. The event is managed by Julie Settle of Effective Communications, the company which has successfully run its sister event, the Jersey Evening Post Homelife Show, since 2008. Guernsey-based Show Executive Marguerite Talmage is heading up local sales and coordination. ‘Our aim is to bring consumers together with sellers of goods and services,’ said Marguerite. ‘Consumers benefit from a varied mix of products,
expert advice, education and entertainment all under one roof.’ Julie explains that for sellers this event is an opportunity to showcase products or services to people who are keen to spend money on themselves and their homes. She said, ‘For some the benefit may be instant sales. Whereas for others product and brand awareness is the objective, gathering valuable leads to follow up at a later date. Businesses looking to explore a market can carry out targeted market research or test new products. Others will see participating as a valuable public relations exercise.’ Exhibitors at last year’s Homelife Shows in Jersey reported excellent results with higher than anticipated sales and 80% of leads converted to sales. Both the Sir John Loveridge and David Ferguson Halls will be given over to exhibition stands. Already businesses from Jersey and the UK have signed up along with local companies who booked early to make sure they reserved the ‘space’ of their
choice’. Daniel Green, head chef at The Auberge, will be leading a full programme of cookery demonstrations and tastings in the Quayside Stage Kitchen located in the Concourse. This new initiative will be free to watch, with show visitors paying to enter the two exhibition halls. With the Guernsey Press as headline sponsor this show is guaranteed a high level of media exposure throughout the year with monthly features in the paper’s House and Home supplement as well as regular news items in the paper itself. The Guernsey Press Homelife Show takes place Friday 8 – Sunday 10 November at Beau Sejour Centre. For further information telephone Julie Settle on 07797 740913, Marguerite Talmage on 07911 719081 or go to www.homelifeshow.co.uk
Contact: Marguerite Talmage on 07911 719081 or email homelife@cwgsy.net
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Wherever you are on your journey... If you’re based on the Islands, Lloyds TSB has the local know-how, as well as the international expertise, to help with your finances. From everyday banking and saving, to mortgages and investments, we have local branches and experienced teams right where you need them.
Wherever you are on your journey, Lloyds TSB can help take you where you want to be. To find out more, visit www.lloydstsb-offshore.com Lloyds TSB Offshore Limited is a Jersey registered company that is a wholly owned subsidiary of Lloyds TSB Bank plc. Lloyds TSB Bank plc is incorporated in the United Kingdom, regulated by the UK Financial Services Authority and is part of the Lloyds Banking Group. Lloyds TSB Offshore Limited places funds with Lloyds TSB Bank plc and thus its financial standing is linked to that of the group. Depositors may wish to form their own view on the financial standing of Lloyds TSB Offshore Limited and its parent based upon publicly available information. Lloyds TSB Offshore Limited’s latest annual financial statements are available on our website at www.lloydstsb-offshore.com
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People Paul Burnard Celebrating 25 years with BDO
After more than 25 years, BDO Limited director Paul Burnard is still celebrating his perfect career move. The director of local business services at Guernsey accountants BDO Limited is celebrating 25 years with the island firm. When Paul Burnard joined the company in the late 1980s it was part of the Reads Group and in the year 2000 he was part of the management buyout that resulted in its re-launch with the BDO name. Paul has focused on assisting Channel Island businesses with their financial affairs and he has never been tempted to stray away from his dedication to this line of work. ‘I like the personal side of the work I do, building good close relationships with my clients. Day to day we are dealing with a wide range of owner-managed businesses, from one man window cleaners and taxi drivers through to large retailers, and long may it continue.’ ‘Just over a year ago I decided to change my work life balance and reduce my hours, a change with which the firm was very supportive and
flexible.’ he said. ‘After 25 years this is the perfect arrangement for me and it also helps when you have such great people alongside you, including one or two members of the team who have been here as long or even longer than I have!’ ‘I now have a team of eight providing a variety of services to local businesses. We do the traditional accounts preparation, assist clients with their income tax and company secretarial filings, annual validations and audit waivers, and with preparing business plans and cash flow forecasts for when they need to raise finance. We also help with their financial management, computerised accounting and payroll systems.’ In 1987 when he was approached by one of the then partners to join Reads, Paul had been working as a partner with another local accountancy firm. ‘I resigned my partnership’ he revealed because ‘I just knew it would be the right job because the work on offer was right up my street.’ During his time at the firm, Paul has seen BDO undergo some huge developments in the range
of services it can offer, as well as several changes of address, but the firm’s core values have been constant throughout. ‘BDO’s focus has always been on delivering exceptional client service whatever the job. That is the ethos underpinning everything the company does and that’s what I enjoy. Every single job we do in my department we send out a feedback form and we generally get a very positive response. And we have always offered a free initial consultation to any potential new client.’ After 25 years at BDO Limited, Paul is confident his team will continue its good work – even on the days when he is not there. ‘When you get that level of experience behind you I know that I can trust them to do a good job for the client,’ he concluded, ‘but more importantly I know the clients trust them as well.’ Richard Searle, Managing Director says: “We are delighted that Paul, a well respected member of the local community, continues to enjoy his role here and be of service to many local businesses.”
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GOT NEWS?
Email us at: info@lighthouseci.com or write to: News Desk, Contact, Guernsey Herald Group Limited, Braye Road Ind Estate, Vale, GY2 4WX
Willian Mason Appointment of new Director General of the Guernsey Financial Services Commission
The Guernsey Financial Services Commission is pleased to announce that William Mason will be appointed the Director General upon Nik van Leuven’s retirement. William Mason will join the Commission from the position of Head of Risk at the Central Bank of Ireland, where he has led the development and implementation of its PRISM supervisory methodology. Most recently he has been working with the European Central Bank helping it plan for the Eurozone’s proposed Banking Union. Before that Mr Mason worked for the UK Financial Services Authority, joining shortly before the financial crisis, and led teams supervising a range of credit institutions, insurers and investment firms throughout the financial crisis. Prior to becoming a financial regulator, Mr Mason worked as a strategy consultant and latterly at the UK Cabinet Office where he helped write Regulation – Less is More, a report to the Prime Minister. His other publications include: Freedom for Public Services; The Costs of Regulation; and PRISM Explained – Implementing Risk Based Supervision. Commission Chairman Cees Schrauwers, who led the selection process, said: “There was substantial interest in the role and the search for the right candidate has been rigorous. The Commission appointed a UK executive search company, Hanson Green, and a long list of 16 was drawn up from
applicants arising from a candidate pool of some 150 people, with four making the final interview shortlist. “The recruitment specialist consulted widely with representatives of Guernsey’s financial services industry and other relevant parties before commencing with the process.” The nomination panel comprised Mr Schrauwers, two Commissioners, and Commerce and Employment Minister Deputy Kevin Stewart, while final interviews were conducted by all the Commissioners. Mr Schrauwers said that Mr Mason’s career history and track record made him an excellent candidate for the role. Mr Mason will take up his post within the next few months. Mr Mason said: “Guernsey is a mature and highly regarded financial services jurisdiction. I very much look forward to leading the Commission at a time when global financial services and markets continue to face many pressures and challenges. My wife and I are much looking forward to making our home on the Island, and moving there as soon as practicable.” Nik van Leuven said: “I have come to know William recently through our consulting him on the PRISM project being undertaken for the Central Bank of Ireland. I am certain his knowledge and experience will be of great value to the Commission in these times of threat and change.”
Matt Birch Appointed to the Board of Swoffers Commercial Limited
Swoffers Commercial Limited, one of Guernsey’s leading commercial property consultants, has appointed Matt Birch MRICS to the Board of Directors. Jonathan Harris, Managing Director of Swoffers Commercial commented, “With his vast knowledge and experience in the UK both in Private Practice and in his own business, Matt has become a valuable asset since he joined us back in 2011. He has a wealth of experience in rent reviews, valuations, dilapidations and lease advisory work and is particularly adept at managing mixed commercial / residential investments.” He adds: “Matt’s appointment to the Board is testament to his skills and achievements and we are delighted that he’s now joined our team of Directors.” Matt is a Chartered Surveyor and Registered Valuer and holds an RICS accredited honours degree in Real Estate Valuation.
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The Jewel in Guernsey’s crown A
church might not seem the obvious “first choice” venue for a business gathering, but then go back a few decades and you wouldn’t have expected to see people living in them
either. Most of us have probably been into St James at one time or another – a visiting music artist, a wedding or for those ex-Elizabethans the daily school assembly some years ago – the main “Whittaker Hall” is a pretty well established venue for some of the Island’s more lavish events. This is however the tip of the iceberg. The full extent of the additional facilities and opportunities on offer at St James is something less known to the Guernsey business
Community and the public at large – unless you happen to belong to one of our many choirs and orchestras who get to see “back stage”. In 2002, following an impressive fund-raising campaign by a group of dedicated individuals, St James three storey Dorey Centre was opened offering meeting rooms, a café and administration offices. This achievement demonstrated the seemingly endless generosity of the Guernsey public and the local business sector. The buildings are now run by a small dedicated and enthusiastic team, supported by The Friends of St James Association.
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With separate access away from the main hall, the Dorey Centre can cater for any type of “off-site” business event. The largest – The Dorey Room - caters for up to 90 people (theatre style) the smallest offers boardroom facilities for eight. The Dorey Room also benefits from an external terrace area. From breakfast briefings to board meetings, staff presentations to drinks receptions, the accommodation is versatile and can be configured to individual specifications. The first floor meeting facilities when hired en bloque create the additional option of offering breakout rooms – often useful for training sessions. All rooms are equipped with data communication and patch-bay facilities.
Whilst room hire rates are already extremely competitive St James also has a Corporate Membership scheme, the benefits of which a number of well known local businesses have found extremely appealing. The three-tier system offers a range of benefits including free and discounted seats, preferential room hire rates and recognition on the members’ board in the Centre foyer and the monthly newsletter distributed to the Friends of St James (numbering around 2,000 in total). For Gold and Silver Corporate members, free ticket vouchers can be exchanged for free room hire instead. Too good to be true? Well in this case seemingly not!
St James is undoubtedly one of the jewels in Guernsey’s crown. Its fascinating history means that its regular visitors have included soldiers and schoolboys, choirs and corporations. Today the building is at the very heart of the Island’s cultural life, but offers so much more. A pleasant contrast from some of the characterless conference rooms we have all had the dubious pleasure of using in city centres, St James’ corporate facilities are well worth a look. Who would have thought a church could be so versatile?
For further information on conference facilities, corporate membership or any other area of interest, email info@stjames.gg or visit www.stjames.gg Staff would be delighted to show you around the facilities at any point
.
Capacities at a glance Whittaker Hall
Dorey Room
Founders Room
Walter Room
NM Rothschild Room
Theatre
576
90
35
n/a
n/a
Classroom
217 (round tables) 35 60 (round tables)
25 40 (round tables)
n/a n/a
n/a
Boardroom
n/a
24
12
8
30
.
The History Lesson
It was at a public meeting on 30 October 1815 that Admiral Sir James Saumarez, later Lord de Saumarez, conceived the idea of building St James. The church was to provide a place of worship for the British garrison in Guernsey , where services could be held in English. At that time, services in the Town Church were held in French. The building was completed in 1818. After a full life, which included its use as the Elizabeth College chapel for many years, the building finally became redundant in 1970 and fell into partial decay. In 1981 The Friends of St James Association was formed to achieve St James’ restoration and then to administer the building as a concert and assembly hall. The States agreed to pay for this restoration in 1983 and the building was officially re-opened on 5 July 1985 by HRH the Duke of Kent. Following intense fund raising the single storey tin-roofed annexe, built during the 1930s, was demolished and in 2002 Dorey Centre was completed.
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H Recognition of Guernsey’s expertise as a highly respected business centre continues to build in the Far East, following the recent visit of the Malaysian High Commission as Contact reports
.
T
he opportunity to develop trade links between Malaysia and Guernsey was evident during MATRADE’s (Malaysia External Trade Development Corporation) time in the island. The high commissioner for Malaysia, His Excellency Dato Sri Zakaria Sulong, and the Malaysian trade commission, were visiting Guernsey for the first time and held a number of meetings with individual businesses, trade bodies and the Island’s government. During the visit the Malaysian delegation were hosted by Guernsey’s Chamber of Commerce and Kevin
Stewart, the Commerce and Employment Minister, held a reception for the visiting dignitaries at OGH Hotel where they met with representatives from Guernsey’s government. During their visit, MATRADE also spent time with numerous local businesses with interests in the Far East. ‘The visit of the Malaysian delegation to Guernsey is credit to the work undertaken by Chamber members in developing businesses in the region. We intend to work closely with MATRADE to provide Guernsey companies with a platform to move into this exciting economy,’
said Chamber director Barry Cash. Guernsey already has a number of businesses operating in the region with the likes of Louver Group, Ogier, CollasCrill, Mourant Ozanne, Marine Electronics and Newhaven Trust developing trade with this important market. ‘It is extremely pleasing to see the progress that these firms are making in the Far East. They are helping Guernsey to build strong relationships with Asia and lay the foundations for future business growth between the regions. Guernsey has a very strong heritage in using structures such as
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HIGH HOPES FOR MALAYSIA trusts and companies and of course our new foundations legislation will be relevant to the Asian market,’ said Guernsey Finance’s Fiona Le Poidevin. Guernsey has made steady progress in establishing its reputation for financial services in Asia in recent years. In 2010, the Island signed a Tax Information Exchange Agreement (TIEA) with the Chinese central government tax authorities and a Memorandum of Understanding (MoU) for exchange and cooperation with the Shanghai Financial Services Office, while last year saw the Island given approval for companies incorporated in Guernsey to list on the Hong Kong Stock Exchange (HKEx) and Guernsey’s financial services regulator, the Guernsey Financial Services Commission (GFSC), sign a statement of cooperation with the China Banking Regulatory Commission (CBRC), moves that suggest the island are well on their way to embedding routes for a sustainable and long term relationship with the region. This has now extended to Malaysia and the visit is a significant development for Guernsey. In a similar way in which Guernsey Finance promote the Island’s interests overseas, so too MATRADE’s mission is to promote Malaysia’s export. ‘MATRADE has enabled many local
companies to carve new frontiers in global markets. Today as we continue to put the spotlight on capable Malaysian companies on the international stage, we are helping make the phrase ‘Made-In-Malaysia’ synonymous with excellence, reliability and trustworthiness,’ said Malaysian trade commissioner Raja Badrulnizam. MATRADE’s mission is unsurprisingly focused on increasing Malaysia’s presence in a global economy but the expertise required to enter these markets is something the delegation are keen to learn more about. ‘The world is a global village today and getting smaller. There are plenty of opportunities and we have a government transformation programme looking into how Malaysia can be relevant on the international scene. In this regard, the expertise available to our industries from Guernsey is of genuine interest to us,’ said His Excellency Dato Sri Zakaria Sulong. Leading Guernsey legal professional, Sean Cheong who is Malaysian by birth and first qualified as a lawyer in Kuala Lumpur, believes the two jurisidictions can work closely together. ‘At CollasCrill, we currently service our Malaysian clients from our base in Singapore (Ms Cheong set up the office in August 2012). Malaysia is a
sophisticated market; indeed the market leader in Islamic finance offerings in Asia,’ said Ms Cheong. ‘Guernsey, with its highly developed funds industry and in-depth Shariah knowledge can offer its funds expertise to managers looking to access European markets with their Shariah compliant funds. There are also opportunities for Malaysian companies raising capital in London on the Alternative Investment Market (AIM) using a Guernsey holding company.’ Britain has also been working hard to increase trade relations with Malaysia. British Prime Minister David Cameron recently visited Malaysia to attend a bilateral meeting with Malaysian officials as well as witness the signing ceremony of Malaysia-United Kingdom Joint Statement in Higher Education. ‘Our relationship with Malaysia is hugely important to the UK but quite frankly it’s one that has been neglected in the past. Malaysia is becoming one of the great emerging powers of the 21st century with the 26th largest economy in the world. But the UK only accounts for 1% of Malaysia’s total imports and I want to change that. We already have strong educational ties with Malaysia but I want our commercial ties to match this,’ said Prime Minister Cameron. With some 14,000 Malaysian students
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in the UK, education ties are seen as the opportunity to build sustainable and long-term relations. Many British universities are also setting up campuses in Malaysia. From Newcastle to Nottingham, the Prime Minister believes this represents a real example of the high quality education the UK can offer Malaysia. ‘We have signed a new agreement which commits both countries to an enhanced partnership in education and skills training, alongside the doubling of Chevening scholarships as a result of support from BAE Systems. In the field of energy, British technology is playing a key role in supporting the further development of Malaysia’s oil and gas industry,’ said the Prime Minister Cameron. And as Malaysia invests in its
infrastructure to keep up with its economic development, Guernsey can offer its world-class experience in more than just financial services. One company that is already trading with Malaysia is Guernsey business Marine Electronics. Marine Electronics Limited was established in Guernsey in 1983 and design and manufacture sonar and acoustic products for the offshore oil and gas industry. Over the years the company has diversified into other areas using its skills in electronic and acoustic design for the medical industry, the water industry, the mining industry, Customs and The Ministry of Defence and are now exporting their range of products to Malaysia and the Far East including a pipe profiling sonar. This particular product provides an acoustic
method for profiling the interiors of liquid filled pipes or boreholes. The company’s managing director Mr Brian Evans met with the Malaysian delegation during their visit. ‘Marine Electronics has a client base in the far east including Malaysia and the MATRADE visit was a great opportunity to meet with delegates from the region. Our products are bought by various sectors in Asia and we will be attending a major exhibition later in the year to build on our existing business in the region,’ said Mr Evans. Malaysia share many objectives with Guernsey and the UK. Apart from competing at cricket in most recent times, the Island and Malaysia are also Commonwealth members. In international affairs the UK and
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The facts
Malaysia is the EU’s second trading partner inside ASEAN, behind Singapore. In 2010 the Malaysian Government presented the New Economic Model and the 10th Malaysian Economic Plan to facilitate Malaysia’s transition to become a high-income economy by the year 2020. This economic model advocates the need to enhance the role of the private sector and re-focus the Government’s role in the economy as a facilitator and enabler. Malaysia’s policy of liberalisation with regard to its services sector, has led to increased opportunities for trade in services. Malaysia enjoys trade preferences with the EU under the current Generalised Scheme of Preferences. In 2011, Malaysia was the EU’s 23rd largest trading partner in goods. Bilateral trade between the EU and Malaysia is dominated by industrial products. The EU mainly imports machinery and appliances and mainly exports electrical equipment and machinery (both ways industrial products account for more than 90% of trade). Other sectors of relevance in terms of EU imports from Malaysia are plastics and rubber and animal and vegetable fats and oils and in terms of exports, mechanical products.
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EU imports from Malaysia have gradually increased since 2003, experiencing a significant decrease in 2008-2009 (16% fall). With the exception of fisheries, EU exports have also seen a growing trend since 2000, with an 18% decrease in 2008-2009 due to the economic downturn.
Although Malaysia has not been a major trading partner in services so far, opportunities have already been increasing due to its liberalisation policies and would even further advance with a Free Trade Agreement. In 2009 Foreign Direct Investment outflows to Malaysia were €1.1 billion.
Malaysia both want to ensure the security of the region and the world is maintained. Malaysia are committed members of the Commonwealth and argued strongly at the Commonwealth Summit in Perth last October 2012 for a reinvigorated organisation that is more relevant to its citizens. Malaysia and the UK’s respective monarchies provide stability that many other countries envy.
If you would like more information about MATRADE or wish to speak to the Guernsey Chamber about the recent visit then please call 727483.
And as Malaysia invests in its infrastructure to keep up with its economic development Guernsey can offer its world-class experience in more than just financial services. One company that is already trading with Malaysia is Guernsey business Marine Electronics
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➜
STRIDING ON WITH THE ASPIRATION BUDGET BUDGET. The Channel Islands received a specific mention in the Chancellor’s March Budget COMMENTARY KINDLY PROVIDED BY ERNST & YOUNG GUERNSEY
T
he Channel Islands received a specific mention in the 2013 Budget. Not surprisingly, in an effort to promote tax transparency and combat tax evasion, the Chancellor announced the agreement by the Isle of Man, Guernsey and Jersey to a package of tax measures with the UK government. The packages comprise intergovernmental agreements with the UK, which introduce obligations for the automatic exchange of information regarding assets held in the Islands by UK tax residents. UK residents who are not domiciled in the UK may also be affected by the reporting arrangements. A disclosure facility has been agreed in principle, which allows UK investors with assets in the Islands to come forward and regularise their past tax affairs prior to information on their accounts being automatically exchanged. It is expected
that limited information for 2013 and 2014 will be exchanged, with further and more detailed information being provided from 2015. The Chancellor advised that approximately £1billion in tax will be raised over the next five years due to these agreements with Jersey, Guernsey and the Isle of Man. The intergovernmental agreements with the Islands are part of a larger, tough package of tax avoidance and tax evasion measures to raise money. This package includes a consultation on naming and shaming promoters of aggressive tax avoidance schemes, the introduction of a General Anti Abuse Rule and leading international action on profit shifting. The Budget confirmed much of what had already been proposed and consulted on. Legislation on the Statutory Residence Test (with some minor changes), the UK Resi-
dential Property Taxes (CGT and the ARPT, now renamed ATED, annual tax on enveloped dwellings, with some additional reliefs included) and the General Anti Abuse Rule (now confirmed to include ATED) will be introduced by the Finance Bill 2013. Other measures which may be of interest to those in the islands’ finance industry are: - Confirmation of the changes to legislation regarding the transfer of assets abroad; - amendments to the offshore funds rules with a view to making aspects of the legislation fairer for UK investors in offshore funds; - the abolition of stamp duty on the transfer of units in onshore unit trusts and the removal of stamp duty in respect of all shares listed on growth markets such as AIM and the ISDX Growth Market; and - the introduction of legislation to limit the
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IN SUMMARY
KINDLY PROVIDED BY KPMG Tax Agreements with Isle of Man, Jersey and Guernsey The UK has agreed a comprehensive package of measures with the Isle of Man, Guernsey and Jersey governments to clamp down on those who choose to hide their money offshore. This demonstrates the commitment of all parties to tackle tax evasion. The package consists of: • agreement to automatically exchange a wide range of financial information on UK taxpayers with accounts in the Isle of Man, Guernsey and Jersey which will significantly enhance HMRC’s ability to crack down on those who do not declare their offshore affairs; • a disclosure facility to allow people to come forward to disclose their previous tax affairs in advance of the information being automatically exchanged. HMRC has signed Memoranda of Understanding with each of the Crown Dependencies. HMRC has also published its offshore evasion strategy ‘No safe havens’. This strategy sets out a coherent and coordinated framework for HMRC’s approach to tackling offshore evasion.
deduction of liabilities when calculating UK inheritance tax. The usual increases on alcohol duty and tobacco were announced, except for beer, which the Chancellor confirmed would see ‘a penny taken off the pint’. Any fuel duty increase expected in September has been cancelled and this will be good news for our neighbours in the UK. As in prior years, the UK has been confirmed as being ‘open for business’ with the corporation tax rate dropping to 20% from April 2015. However, the banks will not see the benefit of this rate drop as the bank levy will increase from 0.13% to 0.142%. UK tax residents and others including certain Channel Islands residents will see the benefit of an increase in
Offshore employment intermediaries The Government will consult on strengthening obligations to ensure the correct income tax and NICs are paid by offshore employment intermediaries, with a view to legislating in Finance Bill 2014. This is a result of the review announced in Autumn Statement 2012. Stamp Duty Land Tax (SDLT) avoidance Legislation will be introduced in Finance Bill 2013 to put beyond doubt that certain SDLT avoidance schemes that abuse the transfer of rights rules do not work. These changes will have retrospective effect to 21 March 2012. Stamp duty land tax avoidance: Retrospective changes to section 45 of the Finance Act General anti-abuse rule (GAAR) Legislation will be introduced in Finance Bill 2013 for a GAAR to counteract tax advantages arising from abusive tax avoidance schemes. The GAAR will apply to income tax, corporation tax (and amounts treated as corporation tax), CGT, inheritance tax, SDLT, the annual tax on enveloped dwellings and petroleum revenue tax.
personal tax allowances. A promise was made by the current government to increase the allowance to £10,000 by the end of the governments term. However, it was today confirmed that the increase to £10,000 will apply from 6 April 2014. So overall, rather a flat Budget, reflecting the lack of room for manoeuvre with some heavily trailed announcements seeking to stimulate the economy with what little he had to give in a fiscally neutral Budget. And little of concern for us locally. A Budget that was more aspirational then inspirational.
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IS THE BUBBLE ABOUT TO BURST FOR GUERNSEY PROPERTY INVESTMENT? By Steve Houchen, Investec Specialist Bank
I’ve heard it said that the best time to buy property was 20 years ago. But when is the second best time? Well many property professionals and investors in the property sector would say…now. Whilst Guernsey has not been completely immune from the turmoil that has beset the global economy over the past five years, it was fared considerably better than most domestic economies and despite the uncertainty in the local housing market and tightening of lending as a consequence of the dislocation of the credit markets, property continues to be viewed as one of the better long-term investments as investors recognise the benefits of a tangible asset.
Furthermore, the increase in rental demand in Guernsey property has corresponded with the growth in the number of first-time landlords purchasing buy-to-let properties who see bricks and mortar as a preferred investment compared with other asset classes. At the end of December 2012, the total number of domestic property units on the island was 26,172 of which 27% was rented. This is up from 26% in December 2011. This demand has also contributed to the continued increase in property values with the mix adjusted average purchase price for local market properties rising to £442,508 in the fourth quarter of 2012. This is
0.9% higher than the same quarter of the previous year and up from £411,074 in December 2010. So is residential property a good investment? Well in the long run, the value of property almost always rises and so this therefore offers capital appreciation. In the meantime, investors can benefit from the letting income and rental yields on buy-tolet are stronger and generally more stable than in other asset classes. There are downsides to consider before investing: • Putting all your eggs in one basket - Investing in a property breaks the investment ‘rule’ to spread risk and have a ➜ diversified portfolio of investments
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with different risk profiles; • It is an illiquid asset A property can be difficult and expensive to sell should you need to release capital quickly; • Transaction fees are high When you invest in a savings account, it’s rare that it will cost you anything to set up. Even when investing in stocks and shares, the transaction costs are usually quite low as a percentage of the amount you invest. When you invest in property you may have to spend money on legal fees, valuation fees, mortgage lending fees etc. • Income can be
inconsistent and property can cost you money - Other than property, there are few investments that might actually cost you money. For example, if you have periods without tenants you not only lose income but you still need to fund the maintenance costs. This may mean having to pay these property expenses from your own resources whilst the property is empty. • It can take a long time for the value of your asset to recover - Stock markets can be volatile although they can often recover much quicker than other forms of investment. • Property Management is time
consuming - Do you have you the time and resources to manage the property? Other types of investment do not require such pro-activity and are unlikely to give you as many sleepless nights. There are however, good reasons to invest and why increasing numbers of investors have turned to property in recent years. These include: • Real returns – the continued low interest rate environment has resulted in low savings rates which rarely keep pace with rises in the cost of living; • Stable investment – Stock market volatility has eroded the value of many investments; • Safety - Property is still regarded by many as a ‘safe and secure’ asset class as there is always a demand for housing; • Control – acquiring property is a direct investment where you retain ownership and control of the underlying asset. If you invest in the stock market there is always the potential that you could lose all your capital if for example, the company in which you have invested goes out of business. Based on a survey carried out by Investec Bank (Channel Islands) Limited, the majority of respondents considered residential property to be one of the safest investments and whilst there may be fluctuations in value from time to time, given the continued demand and limited availability of stock, the general opinion would appear to be that residential property remains a sound investment over time. At Investec Specialist Bank we are committed to offering mortgages that provide flexible terms within our chosen market; that being wealthy clients with high earnings or a solid net worth in excess of £1m. In addition, we are able to cater for clients with irregular income flows, which may take the form of bonuses, and who find it difficult to obtain larger mortgages, despite having significant personal wealth. In terms of flexibility, we determine the client as being the key rather than the property and therefore we look to provide bespoke mortgage facilities. This allows such terms as the ability to repay the debt when the client chooses within a given period without penalty or providing a higher level of debt by bringing in other assets as security such as other property, deferred shares, investment holdings and deposits. Structuring the mortgage on the terms of the individual rather than the property is, we believe, the most important determinant. Whilst the second best time to buy property was 20 years ago, there are many good reasons why the second best time to invest in Guernsey residential property is now.
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13 13:05
Helping first time buyers will stimulate all layers of the property market in Guernsey. BY JULIAN WOODCOCK, BARCLAYS WEALTH
‘As well as the launch of the ‘Funding for Lending Scheme’ which has helped reduce the cost of mortgages in the UK the government is offering incentives to banks to lend to first time buyers through the New Buy scheme’
There is a great deal of confidence in the Guernsey property market at the moment. House prices are stable and relatively buoyant and the island has avoided the peaks and falls seen in the UK and even in Jersey. The number of transactions is falling however: 166 in the fourth quarter 2012 compared to 205 in the same period the previous year. It is clear then that despite confidence in the value of property fewer people are moving and the question should be asked, as it has been in the UK and indeed in Jersey, whether the States should be looking to intervene in the market and provide a stimulus to aid those looking to get on the property ladder. Firstly, it is important to understand the barriers preventing people from making the decision to buy a home, or to move into a new home; whether that is to upgrade or to downsize. In Guernsey, the cost of moving is relatively high; not just the cost of housing
and agents fees; loan bonds and legal fees also play a part. It is often seen as more cost effective to stay put and develop extra living space than it is to move to a larger property. Homeowners are also more likely to look for what banks call ‘rate switching’, where new deals are made on the basis of the loan to value percentage being reduced over time, or through increases in market value thanks to gradual price inflation or from home improvements. The incentives to sit tight are well known, however the States of Guernsey have already intervened in part of the process by approving a review of conveyancing fees, encouraging competition in the market which should drive down prices and potentially encourage more people to move. Getting a mortgage can still be difficult for many however. The lending environment is very different compared to four or five years ago, particularly for first time buyers. Banks in Guernsey are often
subject to criteria that are applied by a UK parent. At Barclays for example we are able to loan up to a maximum of 85% of the value of a property. This is seen as prudent in the UK, where there is more uncertainty in the market, but can be seen as frustrating in an island where property prices, and the job market, are much more stable. What it does mean is that buying a house is not as simple or affordable as many people would like. Deposits are large, with £50,000 to £60,000 very common for a typical first time property such as a two bedroom flat. With fewer first time buyers coming into the market there is a lack of buyers at all levels; those in the middle looking to move on can’t, as there is no-one to buy their current property, and those at the top that might be looking to downsize, or even retire abroad, are stuck with a property that is too big for them. Already in the island steps are being taken to help people onto the property ladder. Partial ownership is largely seen
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Banking that’s out of the ordinary Julian Woodcock - Kay Parnwell on what makes a good client relationship Barclays Wealth
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as having been successfully introduced as part of the States social housing programme. But wider measures could be introduced, as they have been in the UK and now in Jersey. As well as the launch of the ‘Funding for Lending Scheme’ which has helped reduce the cost of mortgages in the UK the government is offering incentives to banks to lend to first time buyers through the New Buy scheme. In Jersey a new scheme has been introduced for new developments led by the parishes. In St Brelades for example a new development is in place and the parish is helping homebuyers by effectively offering to pay their deposits for them. The house prices are discounted by 20% and thanks to some flexibility in our criteria Barclays, as a lender, is able to offer the remaining 80% as a mortgage, without the need for a further deposit. The deposit is paid back to the parish on the sale of the property but with the buyers retaining some of any profit made when they come to sell. This has the potential to boost the number of people on the housing ladder, effectively helping those that can afford to make payments on a mortgage, but who cannot spend years saving the necessary deposit. This influx of buyers would stimulate movement at all levels. This
would obviously be good news for the property sector, but it is also important to remember the knock-on effects on related industries, with retail, building trades, removals, gardens and other lifestyle sectors seeing benefits from people investing in new properties. Any changes to the market need to be introduced with caution however. The last thing anyone wants or needs is to create an imbalance that would negatively affect house prices. A ‘glut’ of new buyers, all arriving in the market at once would potentially have this affect, so the right approach would be to provide the means to get onto the housing ladder for many people and let market forces manage the rest of the process to ensure a steady flow. Property is a critical part of the island’s infrastructure. Its availability determines whether people, young people in particular, choose to make Guernsey their permanent home. A situation where options are reduced and people are driven away by a lack of opportunity to own their own home would be detrimental to the island’s economy so there is an incentive for the States to consider a stimulus package to help the market keep moving.
Property is a critical part of the island’s infrastructure. Its availability determines whether people, young people in particular, choose to make Guernsey their permanent home
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PHASE ONE OF PRIME LOCATION DEVELOPMENT LAUNCHED WITH RECORD NUMBER OF RESERVATIONS FOR LUXURY APARTMENTS.
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trong demand for modern apartment living in St Peter Port shone through last week as 50% of the apartments in the initial phase of a luxury development were reserved within hours of being released. Six of the 12 apartments in the first phase release of the 32 apartment and penthouse development, One St Julian’s Avenue, in St Peter Port were reserved in less than two hours. The development includes 29 local market loftstyle one, two and three-bedroom apartments, and three open market penthouses. They have exceptionally large living spaces that are light, airy and modern, and some of the best balcony views towards Candie Gardens and across to Herm, Sark, Jethou and Castle Cornet. Although the apartments and penthouses
are not due for completion until May 2014, the developers, Vauxlaurens Property Holdings Limited, have worked closely with local advocates to create a reservation fee format to enable prospective buyers to secure an apartment or penthouse now. The reservation fee is based on a percentage of the total sale value of the apartment or penthouse and the effect is that the developers agree not to sell the reserved apartment or penthouse to any other party. The developer’s advocates, Babbé says: “We are delighted to be associated with such a prestigious development. The reservation fee arrangement means that interested purchasers can reserve their preferred apartment or penthouse at a very early stage of the
development. The reservation fee will be rolled into the purchase price so they would not ultimately be paying anything for this advantage.” Vauxlaurens Property Holdings Limited have appointed two leading local estates agents – Swoffers and Livingroom – who are now handling all sales enquiries for the apartments and penthouses. Spencer Noyon, a Director at Swoffers, said the strong demand for the apartments and penthouses was due to a number of factors. “Firstly this development is a prime address in a prime location, it is being built to the highest standards and will have some of best balcony views you are going to get. Secondly these apartments and penthouses
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are modern and very spacious – something you don’t get that often in Guernsey,” said Mr Noyon. “We have seen an increase in the number of people looking to down-size and upgrade to a convenient, low-maintenance way of living, and these apartments certainly satisfy that need.” Simon Torode, Founding Director of Livingroom Estate Agents, said they are delighted to be associated with such an iconic development in the heart of St Peter Port, which will boast impressive dual aspect views over the East coast to the islands beyond together with views over the beautifully tended Candie Gardens at the rear. “The One St Julian’s Avenue development
demonstrates a need for carefully conceived, luxury accommodation in the heart of central St Peter Port. We have recently noted a trend of buyers wanting to walk to amenities within minutes from their home and One St Julian’s Avenue certainly offers this. We look forward to watching the development evolve and can offer buyers experienced advice and guidance at every step of the process,” he said.
Those interested in securing one of the prestigious apartments or penthouses should contact either of the joint sole agents Living Room or Swoffers. For further information visit www.one.gg.
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CSR PROFILE
A further reality is that of Sark’s aging and diminishing population, due in part to a weak economy and lack of job opportunities for the young
A
ttempting to make sense of the current situation in Sark is challenging enough but as one who has spent a lifetime enjoying the Island’s pleasures and investing the family’s holiday kitty in doing so, I do feel I have sufficient insight to present what I believe to be a rationale for hope. Back in 1993 when the Barclay’s arrived in the Bailiwick, Guernsey businesses rubbed their hands in excitement. Fortunes were spent on a skilled Guernsey workforce and to this day they are still employed to carry out work on Brecqhou and Sark. In Sark itself however, certain sections of society saw it as an invasion – not an opportunity. My recollection of Sark in the early nineties was of a well-loved neighbour who should be taking more pride in itself. Yes, the island was charming, quintessentially unique in a way that only the Bailiwick can be but it was in desperate need of investment. Very few appeared to be willing to help create an industry fit for purpose in today’s competitive economic landscape. There was no Mark Warner resorts or Hoseasons clambering on the ‘toast rack’ to make Sark’s economy thrive. It was in the hands of the few with access to considerable resources who could afford to avoid economic pressure from outside the island but reluctant to pump the necessary funds to build a tourist economy fit for modern purpose. In bygone times there were sufficient people with
wealth to cushion the island against the problems created by increasing pressure on its subsistence economy. In today’s world there are insufficient wealthy people to maintain Sark’s traditional way of life with all its anomalies and sustain an economy for the new generation of young Sark residents. The expectations of the well travelled tourist did not appear to be recognised as a priority for the Sark authorities back in the nineties. ‘Sark is the antidote to modern living’ was the promise to all visitors. It is, if managed correctly but Sark in my opinion took it for granted. The lack of official building regulations, fire regulations and little if any concern for health and safety or the management of waste do not sit comfortably in the minds of the modern and well informed visitor. It was inevitable that when, an organisation so familiar with the requirements of a 21st century hospitality industry, arrived on a rural idyll so blindingly ignorant to the standards required for a modern holiday destination, i.e. safe, comfortable and value for money tourism, the place was going to change forever. Such is the quiet almost secretive nature of the Feudal system pre Barclay Brothers; any new moneyed incumbent was likely to ruffle a few feathers. However, such is the huge investment made by Sark Estate Management (SEM) within the island, the community is now completely divided between those that have seen the potential in the
Eco
with
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conomical
ththetruth By Jon Taylor
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They want to be free of stress without being denied the external connectivity should it be required
.
era changing environment created by SEM and those that reject any kind of outside intervention. A further reality is that of Sark’s ageing and diminishing population, due in part to a weak economy and lack of job opportunities for the young. This, Colin Kniveton, Sark’s former temporary chief secretary believes, could eventually threaten its ongoing viability as a self-governing Crown Dependency. Before leaving his post Mr Kniveton urged Sark’s authorities to be ‘proactive’ not ‘reactive’ in safeguarding the Island against changing economic pressures. Michael McBride and Luke Wheadon ‘Jobs are drying up as tourist numbers are dropping, the construction sector has stopped as there is currently limited investment in hotels – all these things have a knock-on effect. If there are less people coming in and out and less freight, that has a knock-on effect on shipping,’ he said. ‘Some people may say that’s fine, Sark may be quieter but that’s the way we like it. But if you’re a younger person in Sark, you may be thinking what are my kids going to be doing when they finish their education? Educating the Island about diversifying its economy is also vital. We talk at length about diversification in Guernsey and I presume we include our Bailiwick neighbours in this. In Guernsey, the business community knows that diversification is not a reality. History demonstrates that the small available labour force can sustain only one major industry. Diversification has to happen within that major industry. Our finance industry is a conglomeration of lots of separate and discrete activities. The thought of not relying on one major industry fills us with optimism but it is far from any kind of reality in the short or medium term. The actual reality is that in a small community educated to the ways of international finance, it is likely to take a generation to truly diversify our economy and we simply need to keep our finance industry relevant and seek out opportunities to support it whether that’s ITC or tourism.
In Sark the pressure is even greater. I can’t visualise a broader/mainstay industry outside of tourism that would suit Sark so surely it’s time to get the one sector that stands a chance, working to its maximum. The anti-Barclay feeling should not cloud the fact that tourism is Sark and will be for years to come. In business parlance the island has a lot going for it and numerous ‘Unique Selling Points’ to think of. Most are focused on the age-old promise of ‘Sark is the antidote to modern living’. The tourist that this promise is most likely to attract is wealthy, busy, stressed and ultimately familiar with the finer things in life. This target audience expects a higher degree of hospitality than your norm. I have fond memories of sleeping on my father’s small cabin cruiser in Dixcart Bay but expectations for ‘modern city dwellers’ means the combination has to be a break from the modern world but in quality and comfort. They want to be free of stress without being denied the external connectivity should it be required. Quality and comfort in Sark’s accommodation has not been the norm but the investment in Dixcart, Aval de Creux, La Moinerie, Petit Champs and Stocks means the Island now compliments its stunning scenery with stunning hospitality venues. Investment is also something that is required in promoting the island. The Sark authority’s tourism budget is not small, close to £100,000. This goes towards off island promotion but is dwarfed by the amount spent by the new generation of Sark hotels. The tourist experience is also now enhanced with coasteering and outdoor activities organised by Sark Adventures along with Sark’s Folk Festival and other activities. Everything would appear to be going in the right direction in terms of ‘Sark the Brand’ but once again it’s the Sark authorities who fail to grasp the opportunity. The lack of a customs office means all passengers must arrive via Guernsey or Jersey and without such a department you could argue visiting pleasure/
private vessels are also unchecked unless they have arrived from Guernsey or Jersey. There is only one licence granted to Isle of Sark Shipping to bring visitors to the Island via Guernsey. Visitors can arrive via Jersey through La Manche Isle Express but the service is infrequent and often criticised for unreliability by Sark hoteliers. Retaining a lifeline service outside of the summer months has been the mainstay argument for keeping a status quo or monopoly with Isle of Sark Shipping but this is cutting off the huge potential of attracting visitors direct from France and Jersey. Travel Trident tried for a licence a few years ago but failed in an attempt to provide an alternative service. My observation would be to encourage Isle of Sark Shipping to run a licence service between France and Jersey during the summer months only, with some kind of guarantee of business from the Hotels. If Isle of Sark Shipping aren’t interested then give it to someone else such as Travel Trident, Condor or other regional ferry services. They would see the potential investment from the new generation of Sark hotels and their business experience as a viability for introducing a service. Let the hotels build demand and then the implication of a lack of passengers is irrelevant. Guernsey residents have been relied upon to keep Sark’s economy viable over the years because ultimately we eat the fish they catch, we enjoy lazy lunches at the ‘Sablonnerie’ and share a pint with locals in the Mermaid and Bel Air. I doubt this will ever change and although some argue arable land should never have been altered to accommodate vines, the serenity of Sark has been enhanced by the investment made in the creaking hospitality venues. Certain sections of the Sark community may never resolve a dispute with its immediate neighbours but the investment made in its key economic generator should be leveraged for the future health of Sark’s economy.
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History demonstrates that the small available labour force can sustain only one major industry. Diversification has to happen within that major industry
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TOURISM SECTOR REVIEW: GUERNSEY’S VISITOR ECONOMY
Jody has worked in the industry for almost 20 years and joined Sydney Charles in 2008. He leads several key areas of Sydney Charles Insurance Advisers in addition to managing his portfolio of clients. Jody was made director in 2010 and has been instrumental in overseeing the expansion of the group. Jody is the man to speak to if you have complex insurance requirements, where others fall by the wayside he will find solutions.
( Jody Bisson, Director)
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INTRODUCING:
SYDNEY CHARLES Sydney Charles tailors insurance, investments and pension arrangements for clients. The company is led by Group Chairman and Managing Director Philip Lepp. Sydney Charles Group comprises four main trading companies: Sydney Charles Insurance Advisers Limited, Sydney Charles Financial Services Limited, Sydney Charles UK LLP and Sydney Charles Aviation Services. ➜
For more information please visit: www.sydneycharles.co.uk
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TOURISM SECTOR REVIEW: GUERNSEY’S VISITOR ECONOMY
INTRODUCING:
OFFSURE PROFESSIONAL WHAT YOU NEED TO KNOW ABOUT OFFSURE PROFESSIONAL Market leading insurers Sydney Charles are the only brokers in Guernsey to be able to offer the Offsure Professional policy. Such comprehensive coverage, offering an all-inclusive solution to a business’ operational risks, has long been awaited by the offshore financial services sector. The ground breaking policy covers:
Professional Indemnity Directors’ and Officers’ liability Investigation costs and expenses Mitigation costs Crime Reputational risk Employment practice liability
Marilyn says: “This is the first time that such a competitively priced and comprehensive product has been provided to the offshore financial services sector. Our aim is to provide our customers with an all inclusive solution for their corporate and personal liability exposures with an assurance of a professional and efficient service at all times”.
Get in touch:
For more information call Marilyn or Jody on 01481 739970 or email: marilyn.greening@sydneycharles.co.uk or jody.bisson@sydneycharles.co.uk
For more information please visit: www.sydneycharles.co.uk
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‘Marilyn joined Sydney Charles in 2006. As an Insurance Broker her expertise lies in financial insurance programmes, including Professional Indemnity, Directors & Officers, Tax Planning, Fee Insurance and Commercial Packages. She is pioneering the Offsure Professional policy for Guernsey’
(Marilyn Greening, Associate Director)
‘Sydney Charles Insurance Advisers are licensed and regulated by The Guernsey Financial Service Commission’
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MY BUSINESS LIFE:
GLYNSMITH We speak to Glyn Smith, MD of Insurance Corporation about his life in business. Glyn Smith has worked in the
world of insurance since he left Grammar School in 1977 after studying A levels. He is quietly ambitious and admits to targeting roles which gave him a wide breadth of experience in the various aspects of his chosen career, then moving on when he felt the time was right. He was delighted to be asked to take on his dream role as MD of Insurance Corporation in
2009 - a company he says, that he has been a part of for much of his early career path. A keen sportsman, and coach of Begrave Wanderers FC first team, Glyn admits that his competitive spirit, stamina and the ability to motivate on and off the pitch past and present has stood him in good stead for what has been a positive climb up the corporate ladder.
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“I started out as an A level trainee for Commercial Union and ended up as a Local Manager. After ten years I became an insurance broker for two years and in 1989, I then joined Insurance Corporation for the first time and worked for them for 11 years ending up as their Operations & Claims Manager.” By this time Glyn had also studied for his MBA and was ready for new horizons. “I decided that it was time to move on as, regretfully, at the time I had gone as far as I could within the organisation. My next roles were in captive insurance management at HSBC and Heath Lambert. But Glyn explains, he had always enjoyed the company culture within Insurance Corporation and believed strongly in the local business model centred on local underwriting, leadership, decision making and service. “There is no doubt that our strength comes from the fact that we are a local company, operating independently with an acute awareness of how things operate in the Channel Islands. This does give us an edge as a lot of our competitors are UK insurers doing business from the UK. We are in a position to be able to work closely with our local brokers and clients - both in Guernsey and Jersey - and be literally on hand to react to whatever may be happening. Take for instance the recent snowfall and the problems that resulted. The phone lines were busy and many of our staff had braved the snow and ice, walked in and knew exactly what support the local brokers needed. It’s all about local knowledge, local relationships and being totally customer focused.” He says that when he was approached by the Chairman to take on the role of MD he was aware that there were challenges ahead. “The company’s growth had not been what it should have been over the previous three years and the culture had shifted and was a bit in disarray because the team had lost a bit of focus on who our customers actually are. We have two sets of customers, insurance brokers and the people and businesses who are or want to insure with us. We chose to distribute our products through local insurance brokers that provide impartial and professional advice. It was clear to me that we had lost sight of the need to continue to build value adding relationships with our broker friends. An experienced ex-Island Junior and Senior Muratti player, and now a well-respected senior coach
at Belgraves FC, Glyn likes to think that he is able to transfer his sporting strengths into the workplace. “Yes, it’s about being competitive and results driven, but it’s also about working together as a team and being committed to being the best you can be. I am also very aware of the need to give something back to the community and Insurance Corporation is involved in many charitable and community based projects like our Conservation Awards across the Islands, Les Bourg’s Hospice in Guernsey and Durrell in Jersey. We like to support a balanced cross section of local causes spread across heritage, sport, the arts, education, conservation and charitable organisations.” Sport has certainly taught me many things that I have been able to take with me into my working life. Team work, professionalism and friendships are extremely important; we all draw on these throughout our life in our family life and in business.” Insurance Corporation has just finished a three year sponsorship deal with the Channel Islands under 18 football Muratti – and recently signed a new three year deal to be the sponsors of the Channel Islands Senior football Muratti which takes place in May. “In some ways that has resulted from both business and sporting relationships. Chris Schofield is MD of Hepburn’s Guernsey, one of the brokers we do business with, but is also president of the Guernsey Football Association, and like me, he shares a love of football. It was he that approached us to see if we would be interested in sponsoring the Channel Islands Muratti Vase. For us, we see it as a great opportunity, particularly because of the pan-Island nature of the competition, our objective being to keep the Muratti at the pinnacle of local sport and to keep the competition an exciting advert for both Channel Islands football and Insurance Corporation Where Belgraves is concerned, I feel it is important for the club to move forward every season and I see my job as coach being a three to five year project, provided of course my players and the club officials continue to be happy with my performance! I am similarly focused when it comes to business and in all areas of my life. I always believe that there is only one way of doing things and that means being positive, leading by example and putting everything into it.
ABOUT THE COMPANY. Insurance Corporation is the Channel Islands’ leading insurer with over thirty thousand policyholders insuring a wide range of risks from houses, cars and yachts to department stores, power stations, farms and ferries. Insurance Corporation was established by Peter Walpole in 1982 with a share capital of £500,000. Within 18 months Insurance Corporation had won the States of Guernsey business, and later added the States of Jersey and Alderney accounts, all of which it still holds, alongside the business of many of the Islands’ leading companies and organisations. The Channel Islands presented an ideal environment in which to set up the business because until that time insurers tended to treat the island as just another English county. As a result the island’s brokers had no local insurer to whom they could look. Insurance Corporation was able to offer a local service providing policies and premiums geared purely towards the local risk environment, rather than that in the UK. One of its underlying beliefs was that, on the political and regulatory fronts, there was less bureaucracy and more encouragement for the entrepreneurs in the Channel Islands than in the UK, enabling Insurance Corporation to quickly produce more innovative and flexible products. In 1985, now with a team of 10, Insurance Corporation was granted a permit to operate in Jersey. A year later, the Company was sold to Royal Insurance plc and today continues to operate as an autonomous subsidiary of RSA Insurance Group plc. Since then the local, domestic insurance business of Royal Insurance, Sun Alliance Insurance and Generali have been integrated into its portfolio. The Guernsey operation is based at Dixcart House, St Peter Port, with an underwriting room in Queen Street, St Helier and, to maintain its strong position, the organisation places a high emphasis on its 40 strong pan-island staff attaining professional qualifications and keeps its focus on customer service backed by local knowledge and commitment. to maintain its strong position, the organisation places a high emphasis on its 40 strong pan-island staff attaining professional qualifications and keeps its focus on customer service backed by local knowledge and commitment. The company is also very active in the islands’ communities both on education, heritage, sport, the environment, the arts and charitable fronts. We speak to Glyn Smith, MD of Insurance Corporation about what marks his company out from the rest.
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FEATURE | Guernsey’s waste strategy
Blue Sky Meetings Outdoor Catering
The Harry Bound Room
Lounge Meeting Room
With spectacular views and a variety of facilities Les Cotils is a versatile venue for business meetings and conferences where beautifully appointed rooms cater for 2 to 200. With a choice of 10 meeting rooms Les Cotils can cater for events from conferences, seminars, exhibitions, examinations, formal or informal meetings. Whatever the occasion, we can find something to suit your needs. There’s plenty of parking and should you require any catering, we can supply you with anything from sandwiches to a 3 course gourmet meal.
The Reading Room The Carol Hindes Room The Guernsey & Alderney Rooms The Sark Rooms The Upper Room
Les Cotils Conference and Retreat Centre St. Peter Port, Guernsey, Channel Islands GY1 1UU Les Cotils Christian Holiday, Conference & Retreat Centre T 01481 727793. F 01481 701062. E reception@lescotils.com St. Peter Port, Guernsey, Channel Islands GY1 1UU www.lescotils.com Tel 01481 727793. Fax 01481 701062. Email reception@lescotils.com
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It is hard to imagine twenty or thirty years ago that dead celebrities would be being used in this way. Now it is commonplace the currency of image is all prevailing and is something we all associate with
Advocate David Evans
Ol’Blue Eyes is Back. No, it’s not Sinatra making a posthumous comeback but rather the launch of an advertising campaign by Jack Daniels using a multitude of images of the dead star.
The Jack Daniels ‘Sinatra Select’ campaign features a series of iconic images of the singer together with his signature and the campaign is very much along the lines that Jack and Frank were great pals during the singer’s lifetime and now you can enjoy some of that same magic. The use of the imagery is all powerful. Sinatra still resonates a degree of cool and there is a nostalgia for a more relaxed time. Whilst this is clearly designed to entice the bourbon drinking Jack Daniel’s audience, the commercial reality is one of the licensing of a dead man’s image rights to sell product. It is hard to imagine twenty or thirty years ago that dead celebrities would be being used in this way. Now it is commonplace - the currency of image is all prevailing and is something we all associate with to a degree. If we didn’t, corporates would not be falling over themselves to have these brand associations. This follows a whole host of similar brand tie-ins such as James Dean with Lee Jeans and even Audrey Hepburn for Galaxy chocolate. This shift in how image rights are treated, valued and managed has not escaped Guernsey. In fact, last December it became the first place in the world where it is possible to register an image right - and you don’t even have to be famous. In the past, famous or well-known personalities would endeavour to protect their images with a combination of trade mark rights and rights of privacy. Both of these options have their drawbacks and have certain limitations when it comes to celebrity rights. In the case of trade marks, for instance, no one actually believes that the goods or services protected come from the celebrity concerned, which ultimately undermines the very function of the trade mark system. Guernsey recognised these limitations and has introduced a law allowing the registration of personality rights and their
associated image rights. These rights effectively identify the personality and the various component images which go to make up their overall image. Such image rights can include still images, video, voice, gestures, mannerisms, computer images and any other identifiers such as nicknames. The initial personality rights are split into five categories - individual, joint, group, fictional characters and legal entities. Each of these categories has the following distinct qualities. Individual - this can be any human who is alive or for whom the application is made up to 100 years after the date of death. This clearly has many applications for the type of celebrities mentioned above. Joint - this can be two or more people who are inextricably linked together and can not be separated. Examples of this would be Morecambe and Wise, or Laurel and Hardy. Group - this relates to two or more people who are in a group but the component parts of that group are able to change - think pop groups such as Queen, the line up of which has changed over the years, or any sports team. Fictional character - this can be any character, whether it relates to a human or otherwise. Legal entity - this final category is designed for corporate registrations for businesses whose main assets are the images associated with them. Examples of this would include Disney or Marvel Comics. As can be seen from the above examples, just about anyone can register for a Guernsey Image Right and it gives great potential to be able not only to recognise these rights formally for the first time, but also to then deal with and manage these rights on an ongoing basis. In the United Staes there are, varying from state to state, various provisions for the protection of what they call a Right
of Publicity. Such rights only extend to famous people and have terms of between zero and 100 years after death. The difficulty with these rights is that they are not based on a formal registration system and they have a finite life to them. The Guernsey rights are, subject to their renewal (personality rights last 10 years and image rights 3 years), able to last in perpetuity. As a result of this, any owner of the rights is able to deal with them knowing that they can be managed just like any other form of property. The rights can be licensed, assigned, and willed to anybody and it is this final part that perhaps offers the greatest interest to image rights owners. The ability to leave such rights in a will is a very powerful one and also means that any income producing image rights assets can be left to whomsoever the holder decides. Before the introduction of these rights it was a difficult thing to be able to determine and therefore leave to another. This is especially true when, under English law, the whole existence of image rights has not even been recognised. As the market for celebrity and image matures, as it already has and will continue to do so, so brand tie-ins like the Sinatra one will become ever more popular. Whereas once it was impossible to easily protect such images as a signature, a trilby hat, a 50’s style microphone, even the image of a cigarette and a stiff drink, this has all been made possible by the introduction of the Guernsey Image Rights. We see these rights as becoming the subject of widespread registration. Already in the few months since the registry opened for business, we have seen registrations from people as diverse as international DJs and a top London hairdresser. As these registrations grow and the acceptance of the rights becomes more mainstream we see great scope for all manner of celebrities and entertainment personalities.
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INTERVIEW | DEPUTY KEVIN STEWART
CASEFILE: Rubin v Eurofinance The Enforceability of Foreign Insolvency Judgments in Guernsey Introduction In its recent judgment in Rubin v Eurofinance S.A.; New Cap Reinsurance Corpn. v Grant [2012] UKSC 46 (Rubin), the UK Supreme Court considered the extent to which the English courts should recognise and enforce a judgment made in non-EU foreign insolvency proceedings. The Supreme Court ruled that there is no separate rule at common law in England for foreign insolvency judgments, and that the English courts will not enforce a foreign insolvency judgment where the English creditor was not present in nor had submitted to the foreign court. As a result of this decision (which will be persuasive in the Guernsey courts), Guernsey businesses with foreign counterparties may breathe a sigh of relief. Foreign insolvency judgments against Guernsey businesses, including funds and other investment companies that carry on investment activities in foreign jurisdictions, may only be recognised and enforced in Guernsey under the statutory regime relating to the reciprocal enforcement of foreign judgments or traditional common law principles. The Supreme Court Decision in Rubin The Supreme Court judgment dealt with two conjoined appeals, namely Rubin v Eurofinance S.A and New Cap
Reinsurance Corpn Ltd v Grant. The main issue for consideration before the Supreme Court was whether, and to what extent, a judgment of a foreign insolvency court in relation to avoidance claims available in that jurisdiction (e.g. claims to claw back unfair preferences or transactions at an undervalue) would be enforced in England where the defendant had not submitted to the jurisdiction of the foreign court. In particular the Supreme Court was asked to consider whether, following the decision of Lord Hoffman in the Privy Council in Cambridge Gas Transportation Corporation v Official Committee of Unsecured Creditors of Navigator Holdings plc [2006] UKPC (Cambridge Gas), such a judgment constituted a special category which fell outside of the scope of traditional English common law rules relating to the enforceability of foreign in personam judgments (i.e. judgments against the person, as opposed to an in rem judgment attaching to property). Under the English common law, a foreign court has jurisdiction to give judgment in personam capable of enforcement where the person against whom it was given was present in or submitted to the jurisdiction of the foreign court. The precise circumstances in which such a person will be held to have submitted to the jurisdiction of
the foreign court is beyond the scope of this article; however submission will typically involve voluntarily participation in the foreign proceedings or being present in the foreign country where the proceedings are instituted. In Cambridge Gas, the Privy Council (on appeal from the Isle of Man Court of Appeal) stated that bankruptcy proceedings did not constitute judgments in rem or in personam but instead constituted a special category of judgment peculiar to insolvency proceedings. Ultimately, the majority of the Supreme Court in Rubin held that the decision in Cambridge Gas was wrong and stated that there was no reason to adopt a more liberal rule as regards foreign insolvency judgments in avoidance proceedings in the interest of universality. The Supreme Court held that there was no difference in principle between a foreign judgment against i) a debtor on a substantial debt due to the company in liquidation based on normal contractual and tortious principles, and ii) a creditor based on avoidance type claims. Secondly, the Supreme Court held that such a distinction would in any event require the court to develop new jurisdictional rules determining the nexus between insolvency and the foreign court and the judgment debtor and the foreign court. Lord Collins, in the
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As a result of this decision (which will be persuasive in the Guernsey courts), Guernsey businesses with foreign counterparties may breathe a sigh of relief.
Anthony Williams Senior Associate at Appleby
leading judgment, stated that “There is a reason for the limited scope of the Dicey rule and that is that there is no expectation of reciprocity”. The Supreme Court stated that a change in the settled law of enforcement of foreign judgments is properly a matter for the legislature. Therefore there is no separate rule at common law in England for foreign insolvency judgments (whether in rem or in personam). It is likely that the Guernsey court, which has in modern jurisprudence adopted English principles of private international law and accords considerable weight to decisions of the UK Supreme Court where Guernsey law follows the English common law, will see the decision in Rubin as persuasive absent public policy considerations peculiar to the Island. A test case is eagerly awaited. The Guernsey Cross-Border Insolvency Regime in light of Rubin Guernsey is neither part of the UK nor a member of the EU. Therefore the English Cross Border Insolvency Regulations and the EC Regulation on Insolvency Proceedings do not apply in Guernsey. Guernsey has not adopted the UNCITRAL Model Law and does not have a specific statutory regime dealing with cross-border judicial co-operation in insolvency proceedings. It should be noted that neither Rubin nor New Cap
concerned any issues arising under the EU law. The Insolvency Act 1986 (Guernsey) Order 1989 extended the operation of sub-sections 426(4), (5), (10) and (11) of the English Insolvency Act 1986 (the 1986 Act) to the Bailiwick of Guernsey, the effect of which is that Guernsey’s Royal Court may assist courts of the UK, the Bailiwick of Jersey and the Isle of Man having jurisdiction in relation to insolvency law. Importantly, the majority of the Supreme Court in Rubin held that subsections 426(4) and (5) of the 1986 Act are not concerned with the enforcement of judgments but are restricted to facilitating the provision of assistance to designated foreign courts exercising jurisdiction in relation to insolvency proceedings. It is submitted that the Guernsey courts may be persuaded to adopt a similar interpretation. In light of the above, a party who has obtained a judgment in foreign insolvency proceedings may either enforce it in Guernsey at common law (following English principles of private international law) or under The Judgments (Reciprocal Enforcement) Law, 1957 (the 1957 Law). If the foreign judgment is made by a prescribed court of one of the jurisdictions approved by the 1957 Law, then
the 1957 Law must be applied (i.e. there is no option to use the common law). In circumstances where the 1957 Law does not apply, the foreign insolvency judgment must be enforced at common law. An analysis of those principles is beyond the scope of this article. Expert advice should be obtained from a qualified legal practitionerConclusion Conclusion The extent to which foreign insolvency judgments will be enforced against Guernsey businesses by the Guernsey courts will necessarily have strategic implications as regards the extent to which those businesses elect to participate in foreign insolvency proceedings. Guernsey businesses can draw comfort from the Supreme Court decision in Rubin as foreign officeholders should have no expectation that a judgment obtained in foreign insolvency proceedings will be enforced on the basis of universal reciprocity, in circumstances where the Guernsey business was not present in or had not submitted to the jurisdiction of the foreign court.
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COMPANY
PROFILE: 1st Central, the trading name for First Central Group’s UK private motor insurance products, was established in Guernsey in 2008 and is quietly emerging as a successful market leader despite highly competitive conditions within the motor insurance market and the economic downturn. 1st Central, has shown strong year on year growth and is one of Guernsey’s lesser known real success stories. The company is now positioning itself for sustained and substantial further expansion. As one of the founding shareholders of the First Central Group, Mike Leonard, Deputy Group Chief Executive Officer tells Contact Magazine the philosophy behind the company and the vision for the business, which remains committed to its Guernsey roots. As an online provider of private motor insurance, selling predominantly through UK price comparison sites, 1st Central has seen phenomenal growth in its first five years. Having started
with just 50 staff in Haywards Heath, West Sussex and with Mike alone representing the company in Guernsey, it now has over 500 UK based staff and 14 Guernsey based employees. The company is now one of the top ten sellers of private motor insurance through the top four comparison sites. It is not just the staff numbers which have grown, but with around 300,000 customers and one million policies sold since launch, the First Central Group has laid some strong foundations upon which it plans to build in the next five years. After the usual hockey stick business start up, profits of £4.5m were realised in 2011 and £8m in 2012. 1st Central is now looking to move into its next phase,
linked to its strategy of reinforcing a sustainable growth business model. So what will this business model look like and what are the main areas of focus for 1st Central now solid foundations have been established? Due to the online nature of the business, revolutionising its IT infrastructure to support further business growth is a key priority for 1st Central in the coming year. We live in an increasingly virtual world, in which customers’ expectations have changed dramatically since the early days of selling insurance policies online. Many other industries are further advanced in their online trading capabilities and the insurance sector is now starting to catch up. Customers demand a
PHOTOGRAPHY: STACEY UPSON
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Prior to joining the First Central Group in 2008, Mike Leonard was Managing Director of Diagonal Underwriting Agency Limited, a Lloyd’s managing agency which established a new Syndicate for the Far Eastern market. process which is quick, intuitive and above all easy to interact with. The focus for 1st Central is to enhance and optimise every element of its online presence to ensure every customer is delivered the right policy at the right price. All the IT development capability is being led by an IT team in Guernsey demonstrating the talent and skills available in the area. Insurance fraud never seems to be far away from the headlines. With fraud costing the insurance industry over £19 Million every week, and honest customers around £50 per policy, 1st Central has identified this as a key area where it can differentiate itself and truly lead the market with an innovative anti-fraud strategy, supported by unique in-house IT systems and processes. 1st Central’s flexibility and sophisticated approach to fraud detection and prevention ensures fraudsters are tackled right at the start, not just when claims are made, as fraud is often committed when applying for insurance by not fully disclosing previous claims or convictions, or using false addresses. 1st Central’s intention is to ensure that it can provide very competitive rates for honest customers, but it does also strengthen its underlying business performance by focussing its efforts on those customers 1st Central values rather than those who are trying to obtain cover or claims falsely. 1st Central is committed to staying at the forefront of the industry fight against fraud and is in regular dialogue with the UK police force’s Insurance Fraud Enforcement Department (IFED). The Department made over 260 arrests relating to insurance fraud during 2012, its first year in action. Alongside its leading fraud defences, 1st Central is dedicated to tackling the rising issue of cyber crime. With one in three people falling victim to online crime last year, and businesses footing the estimated £21Billion cost implications, this is an area 1st Central believes
every online organisation should be committed to tackling, and this applies to insurance groups as well as other leading financial institutions . As an online business, protecting customers’ personal data, and reporting any suspect information to the authorities, is a top priority for 1st Central. Investment in its IT infrastructure means it has the resources to identify, stop and report this activity in real time, whilst many in the market, although aware of the threat, struggle to combat it effectively. Recently, 1st Central highlighted the issue of “Ghost Brokers” with an appearance on the BBC’s One Show. These “Ghost Brokers” in the UK are not regulated but manage to buy insurance policies online, sometimes for innocent individuals, using false identities and stolen credit cards. By tackling this particular aspect of cyber crime, 1st Central wants to ensure that the innocent are not shocked to find they are not covered when they do have to make a claim. Motor insurance is often regarded as a grudge purchase driven by a regulatory requirement for cover. Insurers are typically accused of applying blanket rules to cover vast segments of a community. 1st Central likes to look beyond traditional stereotypes and views its customers as individuals. An effective website and IT interface, combined with skilled underwriting capabilities, means 1st Central can view and analyse risk and remain competitive in markets where others struggle. Further ambitious growth plans for the business aim to service around 3-5% of the UK motor insurance market within the next 5 years, generating as a result circa £0.5 Billion income per annum. Guernsey, as the base of the Group’s holding company will be the conduit for building capital and leveraging opportunities. As well as strengthening the Guernsey business community, 1st Central is also committed to investing in and being
involved with the local community. 2013 is looking to be another exciting year, with the Guernsey calendar of events already filling up. 1st Central is pleased to join in celebrating Guernsey’s culture, history and community through involvement in a range of events, including Liberation Day, the Air Show and Proms on the Pier. 1st Central is also particularly proud to be a sponsor and supporter of the Guernsey College Football Academy. With the aim of starting in the 2013 autumn term, the Academy supports the development of the best young footballers in Guernsey in the 16-19 age groups not only through a sports coaching programme but also by developing their educational needs providing opportunities to continue studies at University and beyond. The Academy represents a natural fit with 1st Central’s business philosophy of nurturing talent and investing in the next generation for sustainable growth. Ask anyone in the insurance market how they got into the job, and the reply that they ‘just kind of fell into the role’ will dominate responses. Insurance, despite its reputation, is however a highly rewarding and dynamic career path. As such, 1st Central is committed to promoting the diverse range of roles and careers available within a forward thinking insurance organisation. It is with this belief in mind that it is also due to announce the launch of its new graduate recruitment scheme, designed to preserve and cultivate the talent available in Guernsey and offer strong and sustainable career prospects. In summary, 1st Central believes Guernsey is an ideal location for its headquarters and looks forward to building its business here further, whilst immersing itself in the thriving commercial and local community.
54 | CONTACT | APR / MAY 2013 | www.guernseychamber.com
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INSIDER VIEW | IAN BERESFORD
.
MIKE LEONARD
Deputy Group Chief Executive Officer Mike is one of the founding shareholders of the First Central Group. The Group was formed in 2008 and began trading in October 2008, selling motor policies via price comparison sites. Prior to joining the First Central Group in 2008, Mike Leonard was Managing Director of Diagonal Underwriting Agency Limited, a Lloyd’s managing agency which established a new Syndicate for the Far Eastern market. Diagonal was wholly owned by IAG based in Australia. Mike joined Diagonal in 2006 having previously been the Managing Director of the Zenith UK group of companies, a group which
underwrote car insurance in the UK via a network of brokers. Mike is a qualified CIMA accountant and has a degree in International Business & German. Mike and his family love living near the beach at Port Soif and he really enjoys being entertained by his four children. Mike is a keen rugby fan, following not only Guernsey’s rather decent rugby team but also London Wasps and England whenever he can. Mike can sometimes be found at Footes Lane supporting Guernsey’s incredibly successful football team as well!
www.guernseychamber.com | DECEMBER 2011/JANUARY 2012 | CONTACT | 41
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Guernsey Chamber of Commerce Directory of Members
Private members NAME
TEL No
Mr Jon Bridel
714609
jonbridel@cwgsy.net
Mr Peter Budwin
716134
thewins@guernsey.net
Ms Fionnuala Carvill
f.carvill@gfsc.gg
Mr Geoff Colclough
239372
Mr Mike Collins
243434
gccolclough@yahoo.co.uk mcollins@guernsey.net
Mr Robert Cooney
256720
cooney@guernsey.net
John Curran
07781 125047
johnnycurran@hotmail.com
Mr Roger Dadd
245401
dadd@cwgsy.net
Mr Rupert Dorey
230711
rupertdorey@mac.com
Mr Fergus Dunlop
07781 117980
dunlop@guernsey.net tour.leader@birdmanofguernsey.com
Mr Tim Earl
266562
Mr Keneth Finch
259738
kenfinch58@hotmail.com
Mr Bernard Flouquet
254326
bernard@flouquet.com
Mr Julyan Gardener-Wheeler
266188
jgw@consultant.com garrett@cwgsy.net
Mr Mike Garrett
258227
M John Gollop
715099
Mr Stephen M Jones
235851
jonessm@guernsey.net
Mr Ronald Knight
715150
rgknight@cwgsy.net
Mr Jan Kuttelwascher
726312
jankuttelwascher@yahoo.co.uk
Mr Paul Luxon
07911 103460
pluxon@gmail.com
Mr Rhoderick Matthews
729642
rhodmat@aol.com
Mr Nick McCathie
266808
nick.mccathie@mccathie.gg
Ms Carla McNulty Bauer
723276
carlamcnultybauer@cwgsy.net
Mr Andy Morgan
258451
anmo75@hotmail.co.uk
Mr Steve Park
247592
stevepark@guernsey.net
Mr Tim Robins
256625
robins@cwgsy.net
Mr Roy Sarre
263930
madroy@cwgsy.net
Mr Norman Silvain
242173
norman@efaze.com
Mr Jeremy C S F Smithies
246675
smithies@guernsey.net
Mr John Stares
232790
j_stares@hotmail.com
Mr Martin John Storey
736917
martin.msci@cwgsy.net
Mr Carl Symes
724290
jardincache@cwgsy.net
Mrs Jenny Tasker
701528
jenny@taskeronline.com
Mrs Gillian Tidd
258402
sassafras@guernsey.net
Mr Jeff Vidamour
267048
jvidamour@cwgsy.net
Mr Tony Webber
07781 166349
anthonywebber@cwgsy.net
Mrs Ann – Margaret Whitaker
700386
offshore.properties@cwgsy.net
56 | CONTACT | APR / MAY | www.guernseychamber.com
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Guernsey Chamber of Commerce Directory of Members CONTACT
COMPANY NAME
TEL
CATEGORY
WEB
Ms Lauren Smyth
!OBAC
07766 518091
Mr Rene Brun
2E2
737000
COMPUTING
sales@2e2.gg
www.2e2.gg
Mr Sean Martin
2mi FINANCIAL SERVICES LTD
726277
FINANCIAL SERVICES
sean@2mi.gg
www.2mi.gg
Mr Paul Meadowcroft
A E MEADOWCROFT ENGINEERING 727715
ENGINEERING
aemengineering@cwgsy.net
Mrs S Lesbirel
A 1 DISTRIBUTORS LTD
748433
CLEANING SUPPLIES
sue@a1distributorsguernsey.com
Mrs Louise Hall
A O HALL ADVOCATES
723723
ADVOCATES
enquiries@aohall.com
www.aohall.com
Ms Viola Nyari
A+ ACCOUNTING LTD
246404
ACCOUNTANTS
info@aplusguernsey.co.uk
www.aplusguernsey.co.uk
Mr Jamie Falla
ABM LTD
728886
ARCHITECTS
atelier@mooarc.com
www.mooarc.com
A lauren@loughtoncontracts.com
Mr Graham Thoume
ABN AMRO (GUERNSEY) LTD
751000
BANKING
graham-thoume@gg.abnamro.com
www.abnamroprivatebanking.gg
Mr Frank Moon
ABN AMRO ASSET MGMT (GSY) LTD 751000
BANKING
frank.moon@gg.abnamro.com
www.abnamroprivatebanking.gg
Mr Wayne Bulpitt
ACTIVE GROUP LTD
711822
FINANCE
info@activeoffshore.com
www.activeoffshore.com
Mr Derek Knowles
ADMIRAL TRAINING & DEVELOPMENT CORP
251095
TRAINING
admiral@guernsey.net
Ms Georgette Scott
ADVANTAGE HR
730737
CONSULTANTS
info@advantagehr.gg
www.advantagehr.gg
Adv Mark Ferbrache
AFR ADVOCATES
743999
ADVOCATES
info@afradvocates.com
www.afradvocates.com
Mrs K Newman
AIRCRAFT SERVICING GSY LTD
265750
ENGINEERING
info@flyasg.co.uk
www.flyasg.co.uk
Mr Ian Campbell
AIRTEL-VODAFONE LTD
230030
TELECOMS
ian.campbell@airtel-vodafone.gg
www.airtel-vodafone.gg
Ms Kari Longan
ALBANY CHAMBERS
715105
ADVOCATES
info@albanychambers.co.uk
www.albanychambers.co.uk
Mr Anthony Holt
ALBANY TRUSTEE COMPANY LTD 724136
ADMINISTRATION
info@albanytrustee.com
www.albanytrustee.com
Mr Bruno Kay-Mouat
ALDERNEY SHIPPING CO LTD
724810
SHIPPING
bruno@aldshp.co.uk
Mr Christopher Fish
ALLIANCE CASH & CARRY LTD
246827
WHOLESALE
alliance@cwgsy.net
Mr David Ingrouille
ALPHA ESTATES LTD
729891
ESTATE AGENTS
david@alphaestates.net
www.alphaestates.net
Mr Jason Hunt
ALTERNATIVE SOLUTIONS LTD
701234
COMPUTING
info@asl.gg
www.asl.gg
Mr Chris Leach
AMALGAMATED FACILITIES
252111
PROPERTY
chris.leach@amalgamatedfm.com
www.amalgamatedfm.com
Mr Dennis Steer
AMYSONS (1978) LTD
245713
RETAIL
Mr Richard Ogier
ANNANDALE LTD
253088
BUILDING
richardo@annandale.gg
Ms Anne Drury
ANNE DRURY
722113
RETAIL
annedrury72@yahoo.com
Mr John Le Prevost
ANSON GROUP LTD
722260
FUND MANAGEMENT
reception@anson-group.com
www.anson-group.com
Ms Denise Fallaize
APAX PARTNERS GUERNSEY LTD 810000
FUND MANAGEMENT
den.gg.ggise.fallaize@apax.com
www.apax.com
Ms Gina Le Prevost
AP GROUP LTD
715757
EMPLOYMENT
gina@apgroupglobal.com
www.approvedpersonnel.com
Mr Gavin Ferguson
APPLEBY
755600
ADVOCATES
gferguson@applebyglobal.com
www.applebyglobal.com
Ms Tracey Van Zanten
AQUARIUS ACCCOUNTING SERVICES LIMITED
715611
ACCOUNTANTS
tracey@aquariusaccounting.gg
Mr G P J Wilson
AQUA-STAR LTD
244550
MARINE
aquastar@guernsey.net
Mr Jonathan Skillet
ARBORCRAFT LTD
265296
GARDEN/LAND
durango95@cwgsy.net
Mr David Archer
ARCHER
265650
MANAGEMENT CONSULTANCY darcher@cwgsy.net
Mr Bryan Smitheram
ARCHIVIST
251484
ARCHIVE SERVICES
trishsmitheram@cwgsy.net
Ms Sarah Nicholls
ARDEL HOLDINGS LTD
723573
TRUST & COMPANY ADMIN
enquiries@ardeltrust.com
www.ardelholdings.com www.argyllinvestment.com
www.aquastar.gg
Mr Mark MargettsSmith ARGYLL INVESTMENT SERVICES LTD 740044
FUND MANAGEMENT
argyll@argyllinvestment.com
Mr Hugh S E Roe
ARROWSMITH MARLOWE LTD
CLEANING CONTRACTORS
maria@arrowsmithmarlowe.com
Mr Robert Sinclair
ARTEMIS TRUSTEES LTD
729466
FINANCE
info@artemisci.com
www.artemisci.com
Mr Tim Booth
ASA RECRUITMENT
711133
EMPLOYMENT
tim@asa-recruitment.com
www.asa-recruitment.com
Ms Clare Tee
ASHTON BARNES TEE
724124
ADVOCATES NOTARIES
cat@guernseylegal.com
Mr Gary Naftel
ASLETT NAFTEL
736441
ARCHITECTS and surveyors
admin@aslettnaftel.com
www.aslettnaftel.com
Mr Patrick Wheeler
ATLANTIS MARINE LTD
258514
MARINE
info@atlantismarine.biz
www.atlantismarine.biz
Mr David Thompson
ATLAS CONSULTING GROUP
730500
CONSULTANCY
dt@atlas.guernsey.com
www.atlas.guernsey.com
Mrs Gee Marsh
AU CAPRICE
729721
RETAIL
gac@ocapel.com
Mr Clive Acton
AURIGNY AIR SERVICES
266444
AIRLINES
clive.acton@aurigny.com
www.aurigny.com
Mr Nick Martel
AVANT GARDEN GUERNSEY LTD
230566
RETAIL
avantgarden@cwgsy.net
www.avantgardenguernsey.com
Ms Alison Lythgoe
AVENUE FLOWERS & DESIGN
724442
RETAIL
florist@avenueflowers.net
www.floristguernsey.co.uk
Mr Arthur Pugh
AWS DESIGN & SIGN GROUP
728283
SIGNS
awsgroup@cwgsy.net
www.awsgroup@cwgsy.net
728801
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Guernsey Chamber of Commerce Directory of Members CONTACT
COMPANY NAME
TEL
CATEGORY
WEB
B Mr Michael Penney
B & Q (RETAIL) LTD
713005
RETAIL
moneypenney@cwgsy.net
Mr Barry B Singleton
B & S BUILDERS
240138
BUILDING
Adv Simon Howitt
BABBE
713371
ADVOCATES
Odette Duerdon
BAILWICK OF GUERNSEY GUILD OF ACCREDITED GUIDES
07781 103808 CHARITY HOSPITALITY
o.i.duerden@gmail.com
Mr Tony Crawley
BANK JULIUS BAER & CO LTD
726618
tony.crawley@juliusbaer.com
BANKING
mail@babbelegal.com
www.babbelegal.com
www.juliusbaer.com
Mr Andrew Dempster
BANK OF CYPRUS (CI) LTD
716026
BANKING
andrew.dempster@gg.bankofcyprus.com
Mrs Nicolla Tanguy
BANK SARASIN & CO Ltd, GUERNSEY BRANCH
739801
BANKING
nikki.tanguy@sarasin.gg
Mr Garry Dayes
BARCLAYS WEALTH
755367
BANKING
garry.dayes@barclayswealth.com
www.barclayswealth.com
Mr Martyn Torode
BARRAS CAR CENTRE LTD
249915
MOTOR GARAGE
martyn@barrascarcentre.co.uk
www.barrascarcentre.co.uk
Mr Peter Baudains
BAUDAINS TRADE SUPPLIES
248822
MERCHANT
peter@btsgsy.com
www.btsgsy.com
ra Wild
BDO LIMITED
724561
ACCOUNTANTS
lara.wild@bdo.gg
www.bdo.gg
Ms Jane Duquemin
BECKFORDS FUNERAL SERVICES LTD 264202
FUNERAL DIRECTORS
enquiries@beckfords.com
www.beckfords.com
Mrs Annie Zunino
BEDELL CRISTIN ADVOCATES
812812
ADVOCATES
mark.helyar@bedellgroup.com
www.bedellgroup.com
Mr Luke Wheadon
BELLA LUCE HOTEL
238764
HOTEL AND CATERING
luke@bellalucehotel.com
www.bellalucehotel.com
Mr G Macrae
BEGHINS SHOES LTD
720981
RETAIL
Mr Colin E Langlois
BEST BOOKS LTD
253332
BOOK KEEPING
admin@BestBooks.gg
www.BestBooks.gg
Mr Chris Betley
BETLEY WHITEHORNE
725115
ADVERTISING&MARKETING
hello@betleywhitehorne.com
www.betleywhitehorne.com
Mr R J Dutnall
BETWAY LIMITED
746410
INTEENET LEISURE MARKETING bob.dutnall@betway.com
Mr B J Le Prevost
B K S LTD TRADING AS BEEKERS 200370
RETAIL
Mr Phil Le Cheminant
BLACK HORSE OFFSHORE LTD
710411
FINANCE
phillip.lecheminant@blackhorse.co.uk
Ms Jade Hall
BLACK VANILLA
729229
ADVERTISING MARKETING
jade@black-vanilla.gg
Ms La
www.betway.com
www.black-vanilla.gg
Mr James Roberts
BLANCHARD BUILD SUPLLIES
822722
BUILDING
jamesr@blanchard-ald.com
Mr Peter Howe
BLENHEIM GROUP
715200
ADMINISTRATION
info@blenheimgroup.com
www.blenheimgroup.com
Matt Le Huray
BLEUIT LTD
715200
COMPUTING CONSULTING
info@bleuit.com
www.bleuit.com
Dominic Bennett
BLIX LTD
706740
DESIGN INTERNET MARKETING dom@blix.co
www.blix.co
Mr Alan Roper
BLUE DIAMOND LTD
210280
GARDEN CENTRES
alan@bluediamond.gg
www.bluediamond.gg
Mr Mark Nightingale
BOATWORKS +
714224
MARINE
boatworks@cwgsy.net
www.boatworksguernsey.com
Mr Matthew Rolfe
BONSAI (MAL TRADING LTD)
200011
MANUFACTURING/RETAIL
info@bonsaigroup.gg
www.bonsaigroup.gg
Mr John Merrien
BOOKS & COMPANY LTD
07781 106688 CHARTERED ACCOUNTANT
john.merrien@cwgsy.net
www.booksandcompany.gg
Mr Luke Huntley
BOOTS THE CHEMIST LTD
723565
RETAIL
luke.huntley@boots.com
Mr Martyn C Renouf
BORDAGE MONUMENTAL WORKS LTD
721415
BUILDING & MONUMENTAL MASONS
Mr Peter Radford
BORDEAUX SERVICES (GSY) LTD 715167
FUND MANAGEMENT
peter.radford@bordeauxservices.com www.bordeauxservices.com
Mr Matt Watson
BROOKS MACDONALD
815555
INVESTMENT SERVICES
matt.watson@brooksmacdonald.com www.brooksmacdonald.com
Mr R Karim
BOULANGERIE VICTOR HUGO
714714
HOTEL & CATERING
boulangerievh@cwgsy.net
www.boulangerie.gg
Miss Rowena Morris
BPP PROFESSIONAL EDUCATION 266176
TRAINING
rowenamorris@bpp.com
www.bppoffshore.com
Mrs Sarah Hancock
BREHON LTD
233009
ACCOUNTANTS
Accountants@brehon.co.uk
www.brehon.co.uk
Mr Adrian Clayton
BREWIN DOLPHIN LTD
736682
BANKING
adrian.clayton@brewin.co.uk
www.brewin.co.uk
Mr Barry Le Pelley
BRIDGEWATER LIMITED
722221
ACCOUNTANTS
barry@bridgewater.co.gg
www.bridgewater.co.gg www.brittain-hadley.com
Mr Graham Hollingsworth BRITTAIN HADLEY PARTNERSHIP
713573
SURVEYORS
graham.hollingsworth@bhg.eu.com
Adv Adrian Brown
Browns Advocates
740002
ADVOCATES
adrian.brown@brownsadvocates.com www.brownsadvocates.com
David Clarke
BSG RESOURCES LTD
812020
ADMINISTRATION FINANCE
david.clak@bsgresources.gg
Mr Stephen J Jacobs
BUILDING & TECHNICAL SERVICES C.I. LTD
715530
BUILDING
steve@airconditioning.je
Mr John Robinson
BUTTERFIELD BANK (GUERNSEY) LTD
711521
BANKING - PRIVATE
john.robinson@gg.butterfieldgroup.com www.butterfieldbank.gg
Mr Stephen Ainsworth
BWCI GROUP
728432
ACTUARY
mail@bwcigroup.com
www.bsgresources.com
www.bwcigroup.com
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Guernsey Chamber of Commerce Directory of Members CONTACT
COMPANY NAME
TEL
CATEGORY
WEB
C Mr Marc Laine
C5 ALLIANCE LIMITED
07781 1011145 COMPUTING/IT/COMMS
marc@c5alliance.com
www.c5alliance.com
Ms Jess Bisson
CABLE & WIRELESS GSY LTD
757501
jess.bisson@cw.com
www.cwguernsey.com
Mr Nick Barton
CAMPBELL & BLOESE LTD
244433
CONSULTANCY
admin@campbell-bloese.com
www.campbell-bloese.com
Mr Andy Le Flem
CAPELLES BUILDING STORES LTD 245897
BUILDING SERVICES
andy@capelles.co.uk
www.capelles.co.uk
Mr Andre Lenormand
CAPITAL PVC BUILDING SUPPLIES LTD
MERCHANT
capitalpvc@cwgsy.net
726151
TELECOMMUNICATIONS
Mr Eric Caplain
CAPLAIN GLASSHOUSE LTD
244159
BUILDING
caplainglass@guernsey.net
www.caplainglass.com
Mr Tim Bush
CAREY GROUP
737203
PENSION PROVIDERS
tim.bush@careygroup.gg
www.careygroup.gg
Ms Emma Mauger
CAREY OLSEN
727272
ADVOCATES
emma.mauger@careyolsen.com
www.careyolsen.com
Mr A Bran
CARPET SELECTION CENTRE (C.I.) LTD
725156
RETAIL
tony.carpetselection@cwgsy.net
Mr P Freeman
CATHERINE BEST
237771
JEWELLERS
paul@catherinebest.com
www.catherinebest.com
Mr Philip Smith
CBO PROJECTS
07781128208
COMPUTING CONSULTANTS
philip.smith@cboprojects.com
www.cboprojects.com
Mrs Allison Forman
CELARO LTD
724721
RETAIL
celaro@cwgsy.net
Mr Carl Ceillam
THE CHAIN LIMITED
257008
COMPUTING
carl@chainci.com
www.chainci.com
Mr Martyn Mahe
CHANDLER BACKER & CO
254550
ACCOUNTANTS
info@chandlerbacker.com
www.chandlerbacker.com
Mr Alex Lindsay
CHANNEL INSURANCE BROKERS LTD
726971
INSURANCE
cib@channelinsurancebrokers.co.gg
www.channelinsurancebrokers.co.gg
Mr John Litchfield
CHANNEL ISLAND CERAMICS
234000
DISTRIBUTION
mail@channelislandceramics.com
www.channelislandceramics.com
Mr Stuart Ayres
CHANNEL ISLAND DATA SERVICES LTD 720028
DEBT RECOVERY
stuart@offshorecreditcheck.com
www.offshorecreditcheck.com
Mr Derek Tomlin
CHANNEL ISLAND POSTAL BID SALES
MAIL ORDER
dtomlin@cipostalbids.co.uk
727353
Mrs Susie Andrade
CHANNEL ISLANDS SKILLS ACADEMY 244904
TRAINING
susie@cisa.gg
www.cisa.gg
Mr Andrew Deane
CHANNEL ISLAND TOYS
EMBROIDERERS
citoys@channel-teddy.co.uk
www.channel-teddy.co.uk
Mr Colin Macleod
CHANNEL ISLANDS CO-OPERATIVE 245802 SOCIETY LTD
RETAIL
colin@ci-coop.com
Mr N Robert
CHANNEL ISLANDS MOTOR FACTORS LTD 248411
MOTOR GARAGE
nigel.cimf@guernsey.net
Ms Gillian Smart
CHANNEL TELEVISION LTD
241888
TELEVISION BROADCASTING
gillian.smart@channeltv.co.uk
Mr Toni Clayton
CHANNEL WELDERS LTD
246262
ENGINEERING
toni.clayton@channelwelders.gg
Mr David Corson
CHATEAUX ESTATE AGENCY LTD
244544
ESTATE AGENTS
david@chateaux.gg
www.chateaux.gg
723871
www.guernsey.net/mcimf/index.html
Mr David Cherry
CHERRY GODFREY FINANCE LTD
711666
BANKING
dcherry@cherrygodfrey.com
www.cherrygodfrey.com
Mr David Cherry
CHERRY GODFREY INSURANCE SERVICES LTD
711666
INSURANCE
insurance@cherrygodfrey.com
www.cherrygodfrey.com
Mr Philip Collinson
CHRISTIES LEISURE GROUP
724379
HOTEL & CATERING
manager@christiesrestaurant.com
www.christiesrestaurant.com
Mr Nick England
CIA LIMITED
725020
FUND MANAGEMENT
nick@cia.gg
www.cia.gg
728911
WHOLESALE
cilighting@cwgsy.net
Mr Roy Rogers
C I LIGHTING LTD
Ms Claire Bosq Scott
CLAIRE BOSQ SCOTT 4 STAR SERVICES 07797 828950
Mr Karl Richards
CLEGG GIFFORD & CO LTD
728987
Mr A H G Dick-Cleland
CLELAND & CO LTD
Mr B H Bisson
CLIMATE CONTROLS LTD
contact@cbs4starservices.com
www.cbs4starservices.com
INSURANCE
gsy@cglloyds.co.uk
www.cglloyds.co.uk
740205
ACCOUNTANTS
info@cleland.gg
713588
ENGINEERING
mail@climate-controls.com
www.climate-controls.com www.closdevaulcreux.co.uk
Ms Leigh Gibbins
CLOS DE VAUL CREUX
832527
CATERING
leighgibbins@cwgsy.net
Mr James Blower
CLYDESDALE BANK INTERNATIONAL 754929
BANKING
james.blower@clydesdalebankinternational.gg www.clydesdalebankinternational.com
Ms Anna Woodall
COAST MEDIA
735450
ADVERTISING & MARKETNG
katie@coastmediaci.com
www.coastmediaci.com
Mr Nick Ferris
COGENT LTD
706789
TRUST & COMPANY ADMIN
nick.ferris@cogentlimited.com
www.cogentlimited.com
Mr Iain Beresford
COLLAS CRILL GROUP SERVICES (GUERNSEY) LTD
734212
ADVOCATES
iain.beresford@collascrill.com
www.collascrill.com
Mr Gareth Nicolle
COLLENETTE JONES LTD
246324
ACCOUNTANTS
gareth@cjco.gg
www.cjco.gg
Mr Charlie Roger
COLLINS STEWART WEALTH MANAGEMENT
712889
WEALTH MANAGEMENT
croger@collinsstewart.com
www.collinstewartwealth.com
Mr Steve Marie
COMPROP (C.I.) LIMITED
01534 631409
PROPERTY
Mr Jan Milner
CONDOR FERRIES
729666
FERRY OPERATOR
jan.milner@condorferries.co.uk
www.condorferries.com
Mr Richard Bush
CONTINUITY SOS LTD
266799
COMPUTING CONSULTANTS
richard.bush@continuity-sos.com
www.continuity-sos.com
Mr Trevor Cooper
COOPER BROUARD LTD
236039
ESTATE AGENTS
trevor@cooperbrouard.com
www.cooperbrouard.com
enquiries@compropci.com
www.guernseychamber.com | APR / MAY | CONTACT | 59
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Guernsey Chamber of Commerce Directory of Members CONTACT
C
COMPANY NAME
TEL
CATEGORY
WEB
Mr Jonathan Coyde
COPPOLO & COYDE LTD
247248
CONSULTANCY
jonathan@copcoy.com
www.copcoy.com
Mrs Corinne Joy
CORINNE JOY
710615
TRANSLATOR & INTERPRETER
corinne.joy@cwgsy.net
Mr Paul Elliot
CORPORATE INVESTIGATIONS GUERNSEY
07781 106629
PRIVATE INVESTIGATORS
pec@cwgsy.net
www.corporateinvestigations guernsey. com
Mrs Corrine Bacon
CRANFORD ESTATE AGENCY LTD
243878
ESTATE AGENTS
sales@cranfords.co.uk
www.cranfords.co.u www.guernsey-cream.com
Mr P Kluyver
CREAM SERVICES (GSY) LTD
246324
IMPORT/EXPORT
p.kluyver@guernsey-cream.com
Mr A Creasey
CREASEY’S LTD
720203
RETAIL
anthony.creasey@creaseys.com
www.creaseys.com
Mr James Barker
CREATE LIMITED
259333
ARCHITECTS
info@create-architecture.com
www.create-architecture.com
Mr Roy McGregor
CREDIT SUISSE (GSY) LTD
719000
BANKING
guernsey.location@credit-suisse.com
www.credit-suisse.com/guernsey
Ms Anne Bigeard
CREDIT SUISSE TRUST LTD
719100
TRUST & COMPANY ADMIN
anne.bigeard@credit-suisse.com
www.cstrust.com
Ms Alyson Finer
CRESCENT BUILDINGS LTD
790109
COMMERCIAL PROPERTY LANDLORD alysonfiner@yahoo.co.uk
Mr Andrew Dyke
CRESSWELL,CUTTLE & DYKE
726461
ARCHITECTS
Ms Jo Porritt
CROWD MEDIA LTD
07911 711114 MEDIA CONSULTANTS
mail@ccd-architects.com
www.ccd-architects.com
jo@crowdmedia.co.uk
www.crowdmedia.co.uk
D Mr J B Kempson
D.D.S. ARCHIVE STORAGE LTD
720113
ARCHIVE SERVICES
ddsarchive@cwgsy.net
Mr Tim Vidamour
DA NELLO LTD
721552
HOTEL & CATERING
admin@danello.gg
Mr B R De Jersey
DE JERSEY, B R
247356
FRENCH POLISHER
bdejersey@cwgsy.net
Mr Rick Garrard
DELOITTE LLP
724011
ACCOUNTANTS
rgarrard@deloitte.co.uk
www.deloitte.co.uk
Mr David Inder
DESIGN VILLAGE LTD
232773
MANUFACTURING
dave.inder@designvillage.gg
www.designvillage.gg
Mrs Carol Kilby
DEXION CAPITAL (GUERNSEY) LTD 743940
FUND MANAGEMENT
jayne.robilliard@dexioncapital.com
www.dexioncapital.com
Mr Andreas Tautscher
DEUTSCHE BANK INT LTD
702000
BANKING
andreas.tautscher@db.com
www.dboffshore.com
www.danello.gg
Mrs DianaThompson
DIANA THOMPSON - NOTARY PUBLIC 730959
NOTARIES
diana@guernseynotary.com
www.guernseynotary.com
Mr Colin S Le Conte
DIGIMAP LTD
700321
MAPPING
colin@digimap.gg
www.digimap.gg
Mr Roger Seaforth
DIRECT SOCIAL SERVICES LTD T/A DPS LOCUMS
255588
AGENCIES
rseaforth@guernsey.net
www.dpslocums.com
Mr John Nelson
DIXCART TRUST CORP LTD
723996
FIDUCIARY
john.nelson@dixcart.co.gg
www.dixcart.com
Mr Martyn Duquemin
DOMESTIC HEATING SERVICES (WHOLESALE) LTD
725460
MERCHANT
martyn@dhs.gg
www.dhs.gg
Mrs Mandy Trotter
DOMINION FUND MGMT LTD
734344
FUND MANAGEMENT
mandy.trotter@dominion-funds.gg
www.dominion-funds.com
Mr Adrian Ashman
DOREY LYLE & ASHMAN LTD
258123
CONSULTANCY
dlashman@cwgsy.net
Mr Pierre J Payne
DOYLE MOTORS LTD
724025
MOTOR GARAGE
pierre@doylemotors.co.uk
Mrs Anne Drury
DRURY (ANNE)
722113
RETAIL ANTIQUE DEALER
annedrury72@googlemail.com
www.doylemotors-honda.co.uk
Mr Magnus Piffl
DUKE OF NORMANDIE HOTEL
721431
HOTEL & CATERING
enquiries@dukeofnormandie.com
www.dukeofnormandie.com
Mr H B Sarre
DWA (ARUNDELL, D W & CO LTD)
246844
RETAIL
dwa@dwaflooring.co.uk
www.dwaflooring.com
E.A. CAREY (EUROPE) LTD
747751
MAIL ORDER
marcus@eacarey.co.uk
www.eacarey.co.uk
E Mr Marcus Jones Mr Jonathan Guillemet
EAST HARBOUR ASSOC LTD
712826
MANAGEMENT CONSULTANTS
jonathan@east-harbour.com
www.east-harbour.com
Mr Andy Allen
ECOSCREED (CI) LITD
457217
BUILDING
andy@ecoscreed.com
www.ecoscreed.com
Mr O E Faborsky
EATON PLACE INVESTMENTS LTD
721069
INVESTMENT SERVICES
centrumgsy@aol.com
Mr Chris Rowe
EFG PRIVATE BANK (C.I.) LTD
723432
BANKING
info@efgci.com
Mr Adam Turberville
E I STURDZA STRATEGIC MGMT LTD 707139
Ms Emma Mauger
ELM COMPLIANCE CONSULTANTS LIMITED
www.efggroup.com
FUND MANAGEMENT INVESTMENT ADVISERS & MGRS a.turberville@eisturdza.com
www.eisturdza.com
07781 109289
CONSULTANCY
www.elmcompliance.com
emma@elmcompliance.com
Mr Graham Parrott
ERNST & YOUNG LLP
717400
ACCOUNTANTS
eyguernsey@uk.ey.com
www.ey.com/channel_islands
Mr Paul Fletcher
E-Si LIMITED
200388
MECHANICAL & ELECTRICAL
paul@e-si.com
www.e-si.com
Mr Brian Evans
EVANS OFFICE INTERIORS
253277
OFFICE & BUSINESS EQUIPMENT info@evansofficeinteriors.com
Mr Andy Ogier
EXECUTIVE CAR SERVICES
07781 155545 TRANSPORT
executivecars@cwgsy.net
www.evansofficeinteriors.com www.executivecarsguernsey.com
60 | CONTACT | APR / MAY 2013 | www.guernseychamber.com
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Guernsey Chamber of Commerce Directory of Members CONTACT
COMPANY NAME
TEL
CATEGORY
WEB
Adv Felicity Haskins
F HASKINS & CO
721316
ADVOCATES
haskins@haskins-co.com
www.haskins-co.com
Mr David Falla
FALLA ASSOCIATES INT. LTD
728020
ARCHITECTS
dfalla@falla.com
www.falla.com
mlanglois@ferryspeed.com
www.ferryspeed.com
www.firstcall.co.gg
F Mr Martyn Langlois
FERRYSPEED (GUERNSEY) LTD
249094
FREIGHT DISTRIBUTION
Mr D J Finnigan
FINIGAN & GIBSON
247290
BUILDING
Miss Tina Quertier
FIRSTCALL RECRUITMENT LTD
714634
EMPLOYMENT
info@firstcall.co.gg
Mr Terry Ferbrache
FLETCHER SPORTS LTD
724114
RETAIL
fletchersports@hotmail.com
Mrs Becky Machon
FOCUS HR SOLUTIONS LTD
728824
HUMAN RESOURCES
katie@focushrs.com
www.focushrs.com
Mr K Bienvenue
FOREST STORES LTD
238395
RETAIL
foreststores@cwgsy.net
Mr J Brache
FRAMECRAFT LTD
254184
ART GALLERIES
framecraft@cwgsy.net
Ms Lisa Davey
FRENCH ACCENTS
248500
RETAIL
french.accents.plus@cwgsy.net
Mrs S Garbutt
FUEL SUPPLIES (C.I.) LTD
200800
FUEL & ENERGY DISTRIBUTION s.garbutt@fsci.co.uk
www.fsci.co.uk
Mr Alex Fuller
FULLER GROUP LTD
730702
PROPERTY
contact@fullergroup.co.uk
www.fullergroup.co.uk
Mr Steve Vowles
FULTURA LTD
710047
COMPUTING
info@fultura.net
www.fultura.net
Mr Richard Fleming
FUMOTO ENGINEERING OF EUROPE LTD 716987
AGENCIES
sales@fumoto-valve.com
www.fumoto-valve.com
Mr Paul N Briggs
FUSION SYSTEMS LTD
721031
COMPUTING
enquiry@fusion-systems.com
www.fusion-systems.com
266281
BUSINESS SERVICES
enq@fws.gg
www.fws.gg & www.guernsey-jobs.com
Mrs Andrea Dudley-Owen FWS LTD
G Mr Bob Le Bargy
G4S Secure Solutions (Guernsey) Ltd 265133
FACILITIES MANAGEMENT
bob.lebargy@gg.g4s.com
www.g4s.gg
Mr Richard Jones
GARENNE CONSTRUCTION GROUP LTD 254262
BUILDING
enquiries@garenne.gg
www.garenne.gg
Mr Richard Mahy
GENERALI INTERNATIONAL LTD
714108
INSURANCE
richardmahy@generali-guernsey.com
www.generali-gi.com
Ian Robinson
GENERALI WORLDWIDE INSURANCE COMPANY
715400
INSURANCE
josmeed@generali-guernsey.com
www.generali-worldwide.com
Mr Ian Gilmour
GEOMARINE LTD
201015
ENGINEERING
chris.wrench@geomarine.gg
www.geomarine.gg
Rebecca Traynor
GIROSCOPE EMPLOYMENT & PAYROLL SERVICES
729020
EMPLOYMENT
rebecca@giroscope.gg
www.giroscope.gg
Mr Les Bichard
GLOBAL COMPUTING LTD
817000
COMPUTING
info@globalcomputing.co.uk
www.globalcomputing.co.uk
Mr Kelvin Seeds
GOLDRIDGE ESTATE AGENTS LTD
715600
ESTATE AGENTS
sales@goldridgeestateagents.com
www.goldridgeestateagents.com
Mr Graham Scott
GRAHAM SCOTT & CO
259380
MANUFACTURING
gscott@cwgsy.net
Mr Phil Le Roy
GRANITE LE PELLEY LTD
257610
BUILDING
phil.leroy@granitelepelley.gg
www.granitelepelley.gg
Mr Dave Clark
GRANT THORNTON SERVICES (GUERNSEY) LTD
753400
ACCOUNTANTS
dave.clark@gt-ci.com
www.gt-ci.com
Mr Greg Forino
GREG FORINO FLOORING LTD
259989
RETAIL
gregforino@cwgsy.net
Mrs C Goodlass
GRISNOIR GUEST HOUSE
727267
HOTEL & CATERING
office@grisnoir.co.uk
www.grisnoir.co.uk
721555
TRAINING
fiona.naftel@gta.gg
www.gta.gg
Ms Fiona Naftel
GTA UNIVERSITY CENTRE
Mr P R Sandwith
GUERNSEY AUTO & ELECTRICAL SUPPLY CO LTD
726644
MOTOR SERVICES&SUPPLIES
autoelec@cwgsy.net
www.guernseyautoelec.co.uk
Mr Alun Williams
GUERNSEY CAREERS SERVICE
733044
EDUCATION
awilliams@education.gov.gg
www.careers.gg
Mr David Meeks
GUERNSEY COAL
249858
MERCHANT
jo.guernseycoal@cwgsy.net
Mr Trevor Wakefield
GUERNSEY COLLEGE OF FURTHER EDUCATION
737500
EDUCATION
college@gcfe.net
www.cfe.edu.gg
Mr Dave Hollingsworth
GUERNSEY CONSERVATORIES
244789
BUILDING
gcs@conservatoryspecialist.com
www.conservatoryspecialist.com
Ms Shelaine Green
GUERNSEY DISABILITY ALLIANCE
07781 467316 CHARITY
info@disabilityalliance.org.gg
www.disabilityalliance.org.gg
Mr Alan Bates
GUERNSEY ELECTRICITY LTD
200700
FUEL & ENERGY DISTRIBUTION admin@electricity.gg
www.electricity.gg
Mr John Stares
GUERNSEY ENTERPRISE AGENCY
710043
COMPANY ADVISER
info@gea.gg
www.gea.gg
Mr Peter Niven
GUERNSEY FINANCE LBG
720071
FINANCE
info@guernseyfinance.com
www.guernseyfinance.com
Mrs Bridget Foss
GUERNSEY FLOWERS LTD
251929
MAIL ORDER
bridget@stanbrouard.com
Mr John Davies
GUERNSEY GAS LTD
724811
FUEL & ENERGY DISTRIBUTION jsd@i-e-g.com
www.sendabunch.co.uk www.i-e-g.com
Mr Rob Gill
GUERNSEY GLASS & WINDOW CO LTD 243535
MANUFACTURING
info@guernseyglass.gg
www.guernseyglass.gg
Mr Steve Williams
GUERNSEY HOUSING ASSOC
SOCIAL HOUSING
steve.williams@gha.gg
www.gha.gg
245530
www.guernseychamber.com | APR / MAY 2013 | CONTACT | 61
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Guernsey Chamber of Commerce Directory of Members CONTACT
COMPANY NAME
TEL
CATEGORY
WEB
G Mrs Celia Allen
GUERNSEY LIFEBOAT GUILD
720414
SERVICES
Mr Gordon Snell
GUERNSEY OCCUPATIONAL SAFETY&HEALTH ASSOCIATION
cla@cwgsy.net
255774
EDUCATION
jcoyde@newtelsurf.com
www.gosha.org.uk
Mr Andy Ison
GUERNSEY PEARL LTD
07781138288
JEWELLERS
andyison@hotmail.com
www.guernseypearl.co.uk
Mr T Harland
GUERNSEY PHOTOGRAPHICS
724001
RETAIL
arcade@gsycomp.guernsey.net
Mr Boley Smillie
GUERNSEY POST LTD
733540
POSTAL SERVICES
rchilton@guernseypost.com
www.guernseypost.com
Mr J Marquand
GUERNSEY PRESS CO LTD
240240
PUBLISHING
jmarquand@guernsey-press.com
www.guernsey-press.com
Mr Alan Crowe
GUERNSEY RECYCLING LTD
245402
ENGINEERING
guernseyrecycling@cwgsy.net
Ms Emma Walton
GUERNSEY REGISTRY
743800
ADMINISTRATION
enquiries@guernseyregistry.com
Mr A R Vaudin
GUERNSEY SHEET METAL CO (1993) LTD
723617
ENGINEERING
gsmco@cwgsy.net
Ms M Falla
GUILLE-ALLES LIBRARY
720392
EDUCATION
maggiefalla@library.gg
www.library.gg
ged@hamiltonbrooke.com
www.hbgroup.com
www.guernseyregistry.com
H Mr Ged Kelly
HAMILTON BROOKE
714437
ADVERTISING & MARKETING
Miss Sally Wilkinson
HARBOUR TRUSTEES LTD
704800
TRUST & COMPANY ADMINISTRATION
mail@harbour.co.gg
Mr Brian Rice
HARBOUR VIEW CONSTRUCTION
714193
BUILDING
info@HVC.GG
www.harbourviewconstruction.co.uk
Mr Russell Adams
HARSCO INFRASTRUCTURE
723771
BUILDING
radams@harsco.com
www.harsco.com
Mrs Philippa Stahelin
HEADWAY GUERNSEY
07781 451310
CHARITY
shelaine2000@yahoo.co.uk
Mrs Ann Outram
HEALTHSPAN GROUP LTD
711321
MAIL ORDER
headoffice@healthspan.co.uk
www.thisisguernsey.com/ headwayguernsey www.healthspan.co.uk
Mr John Dodsworth
HERALD PRINT
737100
PRINTING
di@heraldprint.gg
www.heraldprint.gg
Mr Karl Bradley
HERITAGE GROUP INSURANCE BROKERS LTD
740000
INSURANCE
heritageib@heritage.co.gg
www.heritage.co.gg
Mr Richard J Tee
HERITAGE GROUP LTD
716000
FINANCIAL SERVICES
info@heritage.co.gg
www.heritage.co.gg
Mrs Margaret Spencer
HFL LIMITED
722066
TRUST & COMPANY ADMIN
admin@hfl.co.gg
www.hfl.co.gg
jamie.ashington@hmv.co.uk
www.hmv.com
Mr Jamie Ashington
HMV GUERNSEY LTD
749360
DISTRIBUTION
Mr John Hodder
HODDER LANDSCAPES
238128
GARDEN & LAND PREPARATION hodder@cwgsy.net
Mr Marc Maubec
HOLESHOT LTD
721313
RETAIL
holeshot@cwgsy.net
Mr Tim Holmes
HOLMES LTD
728806
ARCHITECTS
office@holmes.gg
Mrs Coryn Le Clerc
HOTEL REPRESENTATIVE A.G. GUERNSEY BRANCH
700132
MARKETING
hrag@cigsy.com
Mr Vince Colfer
HSBC BANK PLC
717705
BANKING
vince.colfer@hsbc.com
www.hsbc.co.uk
Mr Gary T Miller
HSBC PRIVATE BANK (GSY) LTD
759000
BANKING
gary.miller@hsbcpb.com
www.hsbcprivatebank.com
Mrs Beverley Griggs
HSSD OCCUPATIONAL HEALTH DEPARTMENT
707411
HEALTH
BGriggs@hssd.gov.gg
www.holmes.gg
Mr S F Champion-Smith
HUELIN-RENOUF SHIPPING (GSY) LTD736366
FREIGHT DISTRIBUTION
steve.championsmith@huelin-renouf.com www.huelin-renouf.com
Mr Julian P Hunt
HUNT BREWIN
728236
SURVEYORS
peter@huntbrewin.com
Mr Ian Brown
IAN BROWN’S CYCLE SHOP
721581
RETAIL
admin@ianbrowns.net
Mr Richard Lowe
ICONSULT LTD
724924
COMPUTING
richard.lowe@iconsultci.com
Mr S Argo
IDEAL FURNISHINGS LTD
736249
RETAIL
steveargo@cwgsy.net
Mr R Berry
ILEX LODGE LTD
237491
HOTEL & CATERING
berry@selfcatering.co.gg
Mr Stephen Gillman
IMAGE GROUP LTD
723456
ADVERTISING & MARKETING
info@imageci.com
www.imageci.com
Max Croughley
IPS ULTRA PRINT LTD
259188
INTERNET PRINTING
max@ipsultraprint.com
www.ipsultraprint.com
Jose Luis Romanillos
ISLA LTD
07781 146898 AGENCIES PUBLIC RELATIONS
enquiries@isla.gg
www.isla.gg
www.huntbrewin.com
I www.iconsultci.com
www.selfcatering.co.gg
62 | CONTACT | APR / MAY 2013 | www.guernseychamber.com
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Guernsey Chamber of Commerce Directory of Members CONTACT
COMPANY NAME
TEL
CATEGORY
WEB
I Mr David Noakes
IMMUNO BIOTECH LTD
722787
PHARMACEUTICAL MANUFACTURERS davidjnoakes@yahoo.co.uk
www.gcmat.eu
Mr Russell Isabelle
INDULGE MEDIA LTD
740073
ADVERTISING & MARKETING
russell@indulgemedia.com
www.indulgemedia.com
Mrs Sheila Innes
IN STEP
720586
RETAIL
sheila@instep.gg
www.instep.gg
Mr Glyn Smith
INSURANCE CORPORATION (C.I.) LTD 713322
INSURANCE
glyn.smith@insurancecorporation.com www.insurancecorporation.com
Mr Matthew Polson
INTEGRATED SKILLS (GSY) LTD
TECHNICAL CONSULTANCY
info@integrated-skills.com
Mr John Henry
INTELLIGENT MERCHANT SERVICES LTD
0844 2728361 BUSINESS CHIP & PIN PROVIDER j.henry@imerchantservices.co.uk
Mr Neil Alexander
INTERACTIVE SPORTS (CI) LTD
735900
Mr Michael Strachan
242700
www.integrated-skills.com www.intelligentmerchantservices.co.uk
INTERNET
angela.lowe@sportingbet.com
INTERNATIONAL ASSET MONITOR LTD 716575
INVESTMENT ADVISERS & MANAGERS
michael.strachan@international assetmonitor.com
www.internationalasset monitor.com
Mr Neil Shaw
INTERNATIONAL ENERGY GROUP
715634
FUEL & ENERGY DISTRIBUTION
energy@i-e-g.com
www.i-e-g.com
Mr Chris Meinke
INTERNATIONAL LAW SYSTEMS LTD
723494
MANUFACTURING
info@ils-products.com
www.ils-products.com
Mr Nigel Hurford
INTERSPORT
200091
RETAIL
intersportguernsey@newtelsurf.com
Mr Mark Levrier
INTERSURGICAL (GSY) LTD
710767
MANUFACTURING
mol@intersurgical.co.uk
Mr M Cahill
INTERTRUST (GSY) LTD
211000
ADMINISTRATION
mick.cahill@intertrustgroup.com
www.intertrustgroup.com
Mr Ian Clarke
INTERTRUST FUND SERVICES (GSY) LTD 211000
TRUST & COMPANY ADMIN
ian.clarke@intertrustgroup.com
www.intertrustgroup.com
Mr M Cahill
INTERTRUST INT MANAGEMENT LTD 211000
TRUST & COMPANY ADMIN
mick.cahill@intertrustgroup.com
www.intertrustgroup.com
Mrs Jane A Le Maitre
INTERTRUST READS PRIVATE CLIENTS LTD
211000
TAX ADVISERS
jane.lemaitre@intertrustgroup.com
www.intertrustgroup.com
Ms Lauren Le Feuvre
INTRANSIT LIMITED
700066
HIRE
info@intransit.gg
www.intransit.gg
Mr Grant Cameron
INVESTEC ASSET MANAGEMENT
710404
FUND MANAGEMENT
grant.cameron@investecmail.com
www.investecfunds.com
Mr Steven Henry
INVESTEC BANK (CI) LTD
723506
BANKING
stephen.henry@investec-ci.com
www.investec-ci.com
Ms Avril Galsworthy
INVESTEC TRUST GUERNSEY LTD
711500
TRUST & COMPANY ADMIN
avril.galsworthy@investectrust.com
Mrs Helen Dyke
ISABELLE VETS LTD
723863
VETERINARY SERVICES
hdyke@isabellevets.co.uk
www.isabellevets.co.uk
Mr Chris Brock
ISLAND ANALYSIS LIMITED
716227
RESEARCH
call@islandanalysis.com
www.islandanalysis.com
Mrs Hannah Beacom
ISLAND COACHWAYS LTD
720210
TRANSPORT
hannah@icw.gg
www.icw.gg
Mr Richard Cowling
ISLAND ELECTRICS LTD
263598
BUILDING
ric@cwgsy.net
Mr Martyn Parr
ISLAND FM LTD
242000
RADIO STATION
martyn.parr@islandfm.com
Mr Trevor Mahy
ISLAND LOCK & SAFE CO LTD
714050
SECURITY INSTALLATIONS
trevor@ilsg.co.uk
Mr Ian Moxon
ISLAND MARINE CRAFT LTD
249294
MARINE
islandmarine@cwgsy.net
Richie McCurdy
ISLAND POSTURE CENTRE
07781 146007 HEALTH SERVICE/OFFICE SUPPLIERS info@islandposturecentre.com
Mr Dan Hubert
ISLAND WASTE LTD (Skips R Us/Circuit Skips/RF Mills)
235762
SERVICES
circuit@cwgsy.net
Mr P Rowe
ISLANDS INSURANCE
710731
INSURANCE
insure@islands-insurance.com
www.islands-insurance.com
Sarah Roberts-Byrne
ISLE OF SARK SHIPPING CO LTD
724059
AGENCIES
manager@sarkshippingcompany.com
www.sarkshippingcompany.com
Jodie Baker
ITCHYFEET RECRUITMENT AGENCY 722817
BUSINESS SERVICES
jodie@itchyfeet.gg
www.itchyfeet.gg
Mr R Parker
ITEX (GUERNSEY) LTD
710881
COMPUTING, IT/ TELECOMMUNICATIONS
richard.parker@itexoffshore.com
www.itexoffshore.com
Mr Colin H Bond
IT’S MURDER (CI) LIMITED
07781147688
EVENT MANAGEMENT
c@cwgsy.net
Mr Peter Campbell
JACKSONS (CI) LTD
235441
MOTOR GARAGE
petercampbell@jacksons.gg
www.jacksonsci.com
Mr Kevin Philp
J K WINDOW BLINDS
725911
RETAIL
jkwindowblinds@cwgsy.net
www.jkblinds.com
Mr Cato Johansen
JOHANSEN EXECUTIVE COACHING 736215
COACHING & MENTORING
cato@johansenexecutivecoaching.com www.johansenexecutivecoaching.com
www.islandfm.com
www.islandmarinecraft.co.uk www.islandposturecentre.com
J Mr John Gocher
JOHN GOCHER COMPUTING
740046
COMPUTING
sian@gocher.cc
www.gocher.cc
Miss Joanna Watts
JONES WATTS LTD
740071
ESTATE AGENTS
jo@joneswatts.com
www.joneswatts.com
Mr Peter Joy
JOYS PRODUCTION SERVICES
727117
CONFERENCE ORGANISERS
info@joys.com
www.joys.com
Mr Paul D Taylor
JT (GUERNSEY) LTD
888134
TELECOMMUNICATIONS
pauldtaylor@jtglobal.com
www.jtglobal.com
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Guernsey Chamber of Commerce Directory of Members CONTACT
COMPANY NAME
TEL
CATEGORY
WEB
K Mr Alan Tacon
K DE P GLASS LTD
246861
MANUFACTURING
alant@kdep-glass.com
Mr Angus Kemp
KEMP LE TISSIER
253050
ACCOUNTANTS
angus@kempletissier.com
www.kempletissier.com
Mr Ian Walker
KINGS MILLS HOTEL LTD
257996
HOTEL & CATERING
info@fleurdujardin.com
www.fleurdujardin.com www.kleinwortbenson.com
Mrs Rachel Parrott
KLEINWORT BENSON
727111
FINANCIAL SERVICES
rachel.parrott@kbci.com
Mr Colin Knight
KNIGHT`S FLOORING SERVICES
714100
RETAIL
knightsflooring@cwgsy.net
Mr Chris Marquis
KOSANGAS (GUERNSEY) LTD
728844
FUEL & ENERGY DISTRIBUTION accountkgas@i-e-g.com
www.gsygas.com
Mr Mark Thompson
KPMG CHANNEL ISLANDS LTD
721000
ACCOUNTANTS
www.kpmg.com/channelislands
mrthompson@kpmg.guernsey.gg
L Mr A Chambers
LA COLLINETTE HOTEL LTD
710331
HOTEL & CATERING
reservations@lacollinette.com
www.collinette.guernsey.net
Mr S Dufty
LA FREGATE HOTEL
724624
HOTEL & CATERING
s.dufty@lafregatehotel.com
www.LaFregateHotel.com
Mr K Gallichan
LA POINTE FARM
267169
HOTEL & CATERING
lapointefarm@guernsey.net
www.lapointefarm.com
Ms Lisa Lechner
LA TRELADE HOTEL
235454
HOTEL & CATERING
reservations@latreladehotel.co.uk
www.latreladehotel.co.uk
Mr G A Power
LA VILLETTE HOTEL & LEISURE CLUB
235292
HOTEL & CATERING
reservations@lavillettehotel.co.uk
www.lavillettehotel.co.uk
Mr Jim Delbridge
LANGLOIS ROBERTSHAW & DELBRIDGE
246668
ADVERTISING & MARKETING
jim@lrandd.com
Mr Stephen Glencross
LAW AT WORK (C.I.) LTD
727155
BUSINESS SERVICES
enquiry@lawatworkci.com
Mel Norman
LE CACHE ACCOUNTING
252520
ACCOUNTANTS
lecacheaccounting@cwgsy.net
Mr S L Le Le Prevost
LE COIN TROPHIES
713277
SERVICES
lecoin@cwgsy.net
Mr T Ingrouille
LE FRIQUET PLANT CENTRE
259220
RETAIL
tony.ingrouille@lefriquetgardencentre.gg
Mr David Beausire
LE MONT SAINT GARAGE
264811
MOTOR GARAGE
dave@lemontsaint.co.uk
Mr G Botzenhardt
LE NAUTIQUE RESTAURANT
721714
HOTEL & CATERING
lenautiquerestaurant@msn.com
Mr Robert W Le Page
LE PAGE ROBERT W. ARCHITECTS & CHARTERED SURVEYORS
725239
ARCHITECTS
architect@rwlp.co.gg
www.rwlp.co.gg
Mr Chris Gnapp
LEAPFROG LTD
711188
EMPLOYMENT
jobs@leapfrogjobs.com
www.leapfrogjobs.com
Mr Stuart Platt-Ransom
LEGIS GROUP LTD
726034
TRUST & COMPANY ADMIN
stuart.plattransom@legisgroup.com
www.legisgroup.com
info@lesbuttes.com
www.lesbuttes.com
www.lescotils.com
Mr M Ozanne
LES BUTTES HOLIDAY COTTAGES
266363
HOTEL & CATERING
Mr & Mrs R T Pipet
LES COCQUERELS
254468
HOTEL & CATERING
Ms Nicky Terry
LES COTILS CHRISTIAN CENTRE
727793
CONFERENCE CENTRE
nickyt@lescotils.com
Mr Michael de Garis
LES GRANGES DES FLEURS
256879
HOTEL & CATERING
lesgrangesdesfleurs@cwgsy.net paine@cwgsy.net
www.lawatworkci.com
www.lemontsaint.co.uk
Mrs S A Paine
LES MERRIENNES SELF CATERING 263262
HOTEL & CATERING
Mr J Laine
LES VAUGRATS CAMPSITE
CAMPING SITES & EQUIPMENT enquiries@vaugratcampsite.com
www.vaugratcampsite.com
257568
Mr Steve Kail
LIBERATION MANAGEMENT LTD
740145
FINANCIAL SERVICES
steve@liberation.gg
www.liberation.gg
Mr Gregory Robert
LINCE SALISBURY LTD
735000
ACCOUNTANTS
grobert@lince-salisbury.com
www.lince-salisbury.com
Mr Andrew Morley
LINDUM CONSULT
264526
CONSULTANTS
lindumconsult@gmail.com
Mr Richard Bird
LINKS COMMUNICATIONS
248360
TELECOMMUNICATIONS
links@guernseynet
Miss Katrina Bray
LIQUID
728841
PUBLIC RELATIONS
katrina@weareliquid.com
www.weareliquid.com
Mr Simon Torode
LIVING ROOM LTD
233008
ESTATE AGENTS
info@livingroom.gg
www.livingroom.gg
Mr Mike Starkey
LLOYDS TSB OFFSHORE LTD
708023
BANKING
mike.starkey@lloydstsb-offshore.com
Mr Charles S Billson
LONG PORT PROPERTIES LTD
728721
PROPERTY
steve.brehaut@long-port.com
Mr Colin Bridle
LOUVRE GROUP LTD
727249
TRUST & COMPANY ADMIN
info@louvregroup.com
www.louvregroup.com
Mr C M Lovell
LOVELL & PARTNERS LTD
723630
ESTATE AGENTS
info@lovellsproperty.com
www.lovellsproperty.com
Mr Andrew Ozanne
LOVELL OZANNE & PARTNERS LTD
235397
ARCHITECTS
admin@lovellozanne.com
www.lovellozanne.com
Mr Adam Prosser
LUCAS FREIGHT LTD
724480
FREIGHT DISTRIBUTION
mail@lucasfreight.com
www.lucasfreight.com
64 | CONTACT | APR / MAY 2013 | www.guernseychamber.com
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Guernsey Chamber of Commerce Directory of Members CONTACT
COMPANY NAME
TEL
CATEGORY
WEB
M Mr Adrian Machon
MACHON ACCOUNTING LTD
252800
ACCOUNTANTS
adrian@machonaccounting.com
Mr Robert Read
MAPPIN AND WEBB
723621
RETAIL
m&wguernsey@mappin-and-webb.co.uk www.mappin-and-webb.co.uk
www.machonaccounting.com
Mr David Coleman
MARINE & GENERAL LTD
245808
ENGINEERING
gcc@mge.gg
Mr Alan Green
MARINE ELECTRONICS LTD
253181
MARINE
sales@marine-electronics.co.uk
www.marine-electronics.co.uk
Mr Giles Shepherd
MARKETING ASSIST LTD
08456 521922 MARKETING
marketing@marketingassist.co.uk
www.marketingassist.co.uk
info@marlboroughtrust.com
Mr Nick Hannah
MARLBOROUGH TRUST CO LTD
713100
TRUST & COMPANY ADMIN
Mr Paul Martel
MARTEL DESIGN LTD
258244
ARCHITECTURAL TECHNOLOGIST marteldesign@cwgsy.net
www.marteldesign.net
Mr P J Le Cheminant
MARTEL MAIDES ESTATE AGENTS
713463
ESTATE AGENTS
info@martelmaides.co.uk
www.martelmaides.co.uk www.martel-dunn.com
Mrs Sandra Martel-Dunn MARTEL-DUNN RECRUITMENT
730565
EMPLOYMENT
recruit@martel-dunn.com
Mr D J Chamberlain
MARTIN O’MEARA LTD
734444
WHOLESALE
davec@momeara.co.uk
Mr D Mauger
MAUGER D P, ELECTRICAL CONTRACTOR
265892
BUILDING
davemauger@cwgsy.net
www.marlboroughtrust.com
Mr Ray Blakely
MAYFIELD INVESTMENT S LTD
239075
ARCIVE SERVICES/PROPERTY
ray.blakely@cwgsy.net
www.guernseyselfstore.com
Mr Michael Grime
MAYSIDE RECYCLING
247599
RECYCLING
mayside.recycling@cwgsy.net
www.maysiderecycling.co.uk
Mr Ian Basforth
McCATHIE ASSOCIATES LTD
714334
CIVIL ENGINEERING
i.bashford@malgsy.com
www.malgsy.com
Mrs Ann Robilliard
MEDIATION SOLUTIONS
263176
CONSULTANCY
envcons@guernsey.net
Mr Stuart Le Maitre
MEDICAL SPECIALIST GROUP
238565
HEALTH
stuartlemaitre@msg.gg
Mrs Natasha Tostevin
MELODY PRESS PRINTERS
245596
PRINTING
natasha@melodypress.com
Mr Mark Gill
MERCATOR TRUST COMPANY LTD
234200
ADMINISTRATION
sharon.mcmillan@mercatortrust.com
CATERING EQUIPMENT SUPPLIERS jgreening@mercurydistribution.com
www.medicalspecialistgroup.gg
www.mercatortrust.com
Mr James Greening
MERCURY DISTRIBUTION LTD
721122
Ms Michelle Hilton
MICHELLE HILTON DESIGN
07781 464600 INTERIOR DESIGN
Miss A Collins
MICOL & PARTNERS
724136
ACCOUNTANTS
contact@micol-partners.co.gg
Mr Tim Millard
MILLARD & CO LTD
720777
MOTORCYCLE
millards@cwgsy.net
Mrs Mary L Le Poidevin
MISS NOB LADIES’ INT. FASHIONS 721800
RETAIL
lepoidevinlaforge@cwgsy.net
Mr Stefan Jordaan
MOMENTUM WEALTH INT LTD
INVESTMENT ADVISERS MGRS stefan.jordaan@momentum.co.gg
Ms Toni Elderfield
MONARCH VULCANISING SYSTEMS LTD 241024
MANUFACTURING
Mr Phil Soulsby
MONDOMUNDI
07781 132686
RETAIL
phil.soulsby@mundigroup.com
www.mondomundi.com
Rachel Le Flock
MONTAGU EVANS CI LTD
742280
ESTATE AGENTS
rachel@montagu-evansci.com
www.montagu-evansci.com
Mr L E Spurrier
MOORE STEPHENS
721769
ACCOUNTANTS
lance.spurrier@moorestephens-guernsey.com
Mr Nello Ciotti
MORA RESTAURANT AND GRILL
715053
RESTAURANT
mora@cwgsy.net
www.mora.gg www.morgansharpe.com
735480
info@michelehilton.com
www.michellehilton.com
www.millards.org
www.momentum.co.gg
toni.elderfield@monaflex.com
Ms Serena Tremlett
MORGAN SHARPE ADMIN LIMITED 735540
FINANCIAL SERVICES
serena@morgansharpe.com
Adv Robert Shepherd
MOURANT OZANNES
739344
ADVOCATES
robert.shepherd@mourantozannes.com www.mourantozannes.com
Martin J Sandle
MS&CO
701521
ACCOUNTANTS
MJS701521@aol.com
Mr Simon Golland
MSD INTERNATIONAL LIMITED
265999
CONSULTANCY
simon.golland@msdinternational.com www.msdinternational.com
Mr Steve Le Poidevin
MUSE
727101
CATERING
steve.lepoidevin@cwgsy.net
Mr M Paint
N ST J PAINT & SON LTD
721096
RETAIL
paint@guernsey.net
Mr Clive Le Tissier
NASHCOPY C.I. LTD
712808
OFFICE & BUSINESS EQUIPMENT i@nashcopy.com
www.nashcopy.com
Mr Robin H Smith
NERINE TRUST COMPANY LTD
701300
TRUST & COMPANY ADMIN
robin.smith@nerine.com
www.nerine.com
Mrs June Goater
NETWORK DIRECT LTD
701400
INSURANCE
admin@network.gg
www.network.gg
Mr Jason Connolly
NEXT GENERATION I.T. LTD
750750
INTERNET/COMPUTING
jason.connolly@ngit.co.uk
www.ngit.co.uk
Mr Nick Brett
NICK BRETT PROPERTY LTD
720123
PROPERTY SERVICES
nick@brettproperty.com
www.brettproperty.com
Mr Nigel Duquemin
NIGEL DUQUEMIN & CO LTD
233144
ARCHITECTURAL TECHNOLOGIST nigel@duquemin.com
Mrs Sue Garrett
NORDBEN LIFE & PENSION INSURANCE CO LTD
702903
INSURANCE
www.muse.gg
N
sue.garrett@nordben.com
www.nordben.com
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Guernsey Chamber of Commerce Directory of Members CONTACT
COMPANY NAME
TEL
CATEGORY
WEB
N Mr Tony Gallienne
NORMAN PIETTE LTD
245801
BUILDING
tonyg@np-group.com
www.norman-piette.com
Mr C Schofield
NORMANDIE GROUP LTD
253953
INSURANCE
chris.schofield@hepburns insurance.com
www.normandie-group.com
Mr Ross Preston
NOVA INVESTMENT MGMT LTD
235335
INVESTMENT ADVISERS & MANAGERS
info@novagroup.com
Mr Tony Gallienne
NP HOLDINGS LIMITED
244383
BUILDING
tonyg@np-group.com
Mr Mark Graves
NSEW
247500
COMPUTING
mark.graves@nsew.com
www.nsew.com
Mr David Willis
OAK TRUST (GUERNSEY) LTD
749273
FINANCE
dwillis@oaktrust.co.uk
www.oaktrust.co.uk
Mr M de Laune
OCS–ONE COMPLETE SOLUTION LTD 244048
CLEANING CONTRACTORS
mikedelaune@ocs.co.uk
www.ocs.co.uk
ODEY WEALTH MANAGEMENT CI
INVESTMENT ADVISERS & MANAGERS
fundresearch@odey.com
www.odeywealth.com www.regutil.gg
O Mr Geoff Marson
743601
Ms Lisa White
OFFICE OF UTILITY REGULATION
711120
UTILITIES REGULATOR
info@regutil.gg
Mr Tony Veron
OFFICE PROJECTS
234490
OFFICE SUPPLIES
tonyveron@officeprojects.gg
Mr Matthew Sirett
OFFICE SOLUTIONS (GSY) LTD
722992
OFFICE & BUSINESS EQUIPMENT matt@osguernsey.com
Mr Sean Conlan
OFFSHORE BUSINESS FOCUSED SOLUTIONS LTD
07781 105494
CONSULTANCY
www.osguernsey.com
sean.conlan@obfsl.com
Mr Will Morgan
OFFSHORE CONSULTING LTD
236509
CONSULTANCY
will.morgan@ocgsy.co.uk
Mr Steve Marshall
OFFSHORE ELECTRONICS LTD
712721
MANUFACTURING
steve@offshore-electronics.co.uk
www.offshore-electronics.co.uk
Mr Peter Grange
OFFSHORE INT ADVERTISING LTD
716606
ADVERTISING & MARKETING
denise@oi-you.com
www.oi-you.com
Mr Gary Hill
OFFSHORE LOGIC LTD
728334
COMPUTING - SOFTWARE SERVICES gary@offshorepayroll.com
www.offshorelogic.co.uk
Mr Jason Cook
OFFSHORE MONEY MARKETS (CI) LTD
720193
BROKERS
jasonc@cwgsy.net
Ms Claire Long
OGIER
721672
ADVOCATES
gsy@ogier.com
www.ogier.com
Mrs Val Benoist
OGIER’S OF ST MARTINS
237331
RETAIL
thebenoists@cwgsy.net
Mrs Clare McArdell
OHCI LTD
713330
HEALTH
clmcardell@cwgsy.net
www.oh-ci.co.uk
Mrs Michelle Morley
OGH HOTEL & SPA
724921
HOTEL & CATERING
mmorley@rchmail.com
www.theoghhotel.com
Mr Chris Oliver
OLIVER & COMPANY
251683
MANAGMENT CONSULTANTS
chris@oliver-company.com
www.oliver-company.co.uk
Mr Peter Mills
OPTIMUS GROUP LTD
755690
CONSULTANTS
peter.mills@optimusgrouplimited.com
www.optimusgrouplimited.com
Mr Shane Giles
OPUS PRIVATE LTD
754700
TRUST & COMPANY ADMIN
info@opusprivate.com
www.opusprivate.com
Mr Steve Falla
ORCHARD PRESS & PUBLIC RELATIONS LTD
240600
PUBLIC RELATIONS
steve@orchardpr.com
Mrs Jill Dawe
ORION INSURANCE MGMT LTD
728864
INSURANCE
jan@orion-insurance.co.uk
www.orion-insurance.co.uk
Mr Nick Graham
OSA RECRUITMENT
712891
EMPLOYMENT
nick@osa.gg
www.osa.gg
Mr M B Gallienne
OUNSWORTH DECOR LTD
266194
BUILDING
ounsworth@cwgsy.net
Mr Rob Kerry
OUTDOOR GUERNSEY LIMITED
267627
LEISURE
ant@outdoorguernsey.co.uk
P & C DALEY (GSY) LTD
724000
CONSULTANCY
peter_daley44@hotmail.com
www.outdoorguernsey.co.uk
P Mr P K M Daley Mr C Ryan
PANDORA HOTEL
720971
HOTEL & CATERING
pandora@cwgsy.net
www.pandorahotel.co.uk
Heidi Soulsby
PARISH GROUP LTD
729002
TRUST ADMINISTRATION
info@parish-group.com
www.parish-group.com
Mr Denis O’Malley
PARTNERS GROUP (GSY) LTD
711690
FINANCE
denis.omalley@partnersgroup.net
www.partnersgroup.net
Mr Nigel Dutson
PAUL DAVIS FREIGHT SERVICES +44 845 5196995 FREIGHT DISTRIBUTION
nigel.dutson@pdfs.com
www.pdfs.com
Mr Paul Jonkmans
PAUL JONKMANS FINANCE LTD
267647
FINANCE
paul@pauljonkmansfinance.co.uk
Mr Mike Comerford
PAVILLION INTERIORS
256572
RETAIL
mike@pavillion.gg
www.pavillioninteriors
Mr Geoff Warren
PENTAGON HOME IMPROVEMENTS (GSY) LTD
714774
RETAIL
pentagon@guernsey.net
www.pentagonconservatories.com
Mr P N Vaudin
PERKINS CHARTERED CERTIFIED ACCOUNTANTS
724966
Mr Chris Blin
PERSONNEL APPOINTMENTS (1993) LTD 723221
ACCOUNTANTS
perkins@guernsey.net
BUSINESS SERVICES
recruit@pa.gg
www.pa.gg
66 | CONTACT |APR / MAY 2013 | www.guernseychamber.com
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Guernsey Chamber of Commerce Directory of Members CONTACT
COMPANY NAME
TEL
CATEGORY
WEB
P Mr David Chamberlain
PET PORTE LTD
265359
MANUFACTURING
Paul J Ninnim
PJ WEB DESIGN LIMITED
230966
INTERNET
Ms Lynda Sims
PLACING PEOPLE 1st
736444
RECUITMENT
vicky@placingpeople1st.co.uk
www.1strecruit.co.uk
Mr Nigel Mann
POLAR INSTRUMENTS LTD
253081
MANUFACTURING
nigel.mann@polarinstruments.com
www.polarinstruments.com
Mr David Inglis
POS INTERIORS
244718
DESIGN
info@posinteriors.com
www.posinteriors.com
Mr Mel Carvill
PPF PARTNERS LTD
754951
INVESTMENT SERVICES
info@ppfpartners.com
www.ppfpartners.com
Mr Paul Martin
PRICE BAILEY LTD INCORPORATING 715669 COLIN PICKARD & COMPANY
ACCOUNTANTS
paulm@pricebailey.gg
Mr Steve Le Page
PRICEWATERHOUSE COOPERS C.I. LLP
752000
ACCOUNTANTS
steve.le.page@gg.pwc.com nicklg@cwgsy.net annie@profseconline.com
Mr Nick Guillemette
PRIME PRACTICE
07781 156118
HEALTH SERVICES & OFFICE SUPPLIERS
Annie Le Cheminant
PROFSECONLINE.COM
257634
ADMINISTRATION
david@petporte.com
www.petporte.com Mr Robert Mr www.pjwd.net
www.pwc.com
Mr Tony Gallienne
PROJECT HIRE & SALE (GSY) LTD
242047
BUILDING
tonyg@np-group.com
Ms Amanda Groves
POLYGON GROUP LIMITED
704657
FINANCIAL SERVICES
amanda.groves2polygon.co.gg
Mr Mark Addlesee
QUANTUM CABLING INSTALLATIONS LTD
263224
DATA, VOICE & ELECTRICAL CABLING INSTALLATIONS
support@quantum.gg
Mr R J A Piper
QUANTUM-MED MARINE LTD
715399
MARINE
npiper@quantum-medmarine.com
www.quantum-medmarine.com
Mr Russ Fossey
QUAYSIDE LTD
245881
RETAIL
admin@quayside-gsy.com
www.quaysidedirect.com
Mrs Jo Stoddart
QUINTESSENTIAL RELOCATION CONSULTANTS
257200
RELOCATION SERVICES
jo@grcci.com.
www.quintessential-relocation.com
www.polygon.co.gg
Q
R Mr P Gregory
R G FALLA LTD
256585
BUILDING
enquiries@rgfalla.gg
Mrs Jayne Langlois
R W RANDALL LTD
720134/5
BREWING
ianrogers@rwrandall.co.uk
Mr Gary Rouget
RABEYS GROUP LTD
244551
MOTOR GARAGE
gary.rouget@rabeys.com
Mr Robin Ayres
RADIO AND ELECTRONIC SERVICES LTD
728837
RETAIL
res@cwgsy.net
Mr Jeff Fox
RAY & SCOTT LTD
244610
MANUFACTURING
ray.scott@cwgsy.net
Mr B Le Noury
RAY ANTHONY (MENS WEAR)
723514
RETAIL
www.rgfalla.gg
www.resguernsey.co.uk
Mr Jason Le Ray
RBS INTERNATIONAL
703873
BANKING
robert.girard@rbsint.com
Mrs N Swan
REGENCY BEDDING LTD
249544
RETAIL
regencybedding@cwgsy.net
www.rbsinternational.com
Mr Olly Duquemin
RESOLUTION IT LIMITED
267338
COMPUTING
info@resolution-it.co.uk
www.resolution-it.co.uk
Mr Dean Hollingsworth
REVOLVE THEATRE CO LTD t/a Revolve Business Intelligence
07781 130573
BUSINESS SERVICES
deanh@cwgsy.net
www.revolveco.com
Mr Richard Stapley
RICHARD STAPLEY LTD CHARTERED ACCOUNTANTS 267460
ACCOUNTANTS
rs@richardstapley.com
www.richardstapley.com
Mr Ivan Rihoy
RIHOY, F W & SON LTD
245231
BUILDING
rihoyelectrics@cwgsy.net
Mr Matt Collas
ROCK & SMALL LTD
724705
ADVERTISING & MARKETING
matt@rockandsmall.com
www.rockandsmall.com
Mr Peter Van de Velde
ROCK COMMERCIAL LTD
728559
ESTATE AGENTS
peter@rockcommercial.co.uk
www.rockcommercial.co.uk
Mr James Meller
ROCQUETTE CIDER CO LTD
232501
CIDER MAKER
jrmeller@cwgsy.net
Mr Peter de Garis
RONEZ LTD
256426
BUILDING
peter.degaris@aggregate.com
Mr Ian Stewart
ROSSBOROUGH, R A (GSY) LTD
241555
INSURANCE
istewart@rossboroughgroup.co.uk
www.rossborough.co.uk
Mr Chris Hubbard
ROSS-GOWER GROUP LTD
722222
CONSULTANCY
ddelarue@rossgower.com
www.rossgower.com
Mr Nick Piper
ROTORSWING UK LTD
07781 126267
MARINE
nick@rotorswing.co.uk
www.rotorswing.co.uk
Mr David Oxburgh
ROTHSCHILD BANK INT. LTD
713713
BANKING
david.oxburgh@rothschild.com
www.rothschild.gg
Mr Alan Pearce
ROYAL BANK OF CANADA (C.I.) LTD 744143
BANKING
alan.pearce@rbc.com
www.royalbankci.com
Mr PLF Paul
ROYAL LONDON ASSET MGMT C.I. LTD 711261
INVESTMENT ADVISERS & MANAGERS
info@rlam.co.gg
www.rlam.co.uk
www.guernseychamber.com | APR / MAY 2013 | CONTACT | 67
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Guernsey Chamber of Commerce Directory of Members CONTACT
COMPANY NAME
TEL
CATEGORY
WEB
Mr R J Bach
SAFEHAVEN INTERNATIONAL LTD
723925
TRUST & COMPANY ADMIN
marine@safehaveninternational.com
www.safehaveninternational.com
Mr Roy Angliss
SAFFERY CHAMPNESS
S Mr Jamiel Achhab-Kandili SAHARA - CI
721374
ACCOUNTANTS
roy.angliss@saffery.gg
www.saffery.gg
07781 109774
COMPUTING
jamiel@sahara-ci.co.uk
www.sahara-ci.co.uk
Mr Brian Vohmann
SAIL OR SURF
712621
RETAIL
sos@guernsey.net
www.rip101.com
Mr David Whitby
SAMUEL PEPYS
727616
RETAIL
info@samuelpepys.com
www.samuelpepys.com
Mr Tony O’Neill
SANDPIPERCI LTD
708528
RETAIL
tonyo’neill@sandpiperci.com
www.sandpiperci.com
Mr Kevin Delaney
SARK ESTATE MANAGEMENT LTD
832704
CATERING HOSPITALITY SERVICES pa@sarkestatemanagement.com
www.sarkislandhotels.com
Mr A Sendlhofer
SARNIA HOTELS LTD
724452
HOTEL & CATERING
moores@sarniahotels.com
www.moores.sarniahotels.com
Mrs Lisa Davey
SARNIA MANAGEMENT CORP LTD
728444
ADMINISTRATION
sarnia@smcl.co.gg
www.smcl.co.gg
Mr Vernon Etherington
SARNIA MUTUAL LTD
723501
FINANCE
spectrum@cwgsy.net
Mr Gary Gavey
SARNIAN ROOFING LTD
715475
BUILDING
andy@sarnianroofing.com
www.sarnianroofing.com
Mr Peter De Sausmarez
SAUSMAREZ MANOR
235571
CONFERENCE ORGANISER
sausmarezmanor@cwgsy.net
www.sausmarezmanor.co.uk
Mr Julian Winser
SCHRODERS (CI) LTD
703700
FINANCIAL SERVICES
julian.winser@schroders.com
www.schroders.com/channelislands/home
Mr A J Bourgaize
SCOPE FURNISHING LTD
723197
RETAIL
sales@scopefurnishing.co.uk
www.scopefurnishing.co.uk
Mr R Bailey
SEAQUEST MARINE LTD
721773
RETAIL
seaquestmarine@cwgsy.net
www.seaquestgsy.com
Mr K A Allen
SERVICE SOLUTIONS & CONS. LTD (T/A SERVSOL) 0207 515 5661 CONSULTANCY
Mr Mark Didcott
SG HAMBROS BANK & TRUST (GSY) LTD
Mr Brendan Wyatt-Nicolle S G SPIRITS GROUP LIMITED
ken.servsol@hotmail.co.uk
726521
BANKING
mark.didcott@sghambros.com
726681
WINE & SPIRITS
b.wnicolle@sgspirits.com
Mr Roy Kilpatrick
SIDLOCKS OF GUERNSEY
713883
HOTEL & CATERING
roy@sidlocks.co.uk
Mr Robert Sillars
SIGMA GROUP, THE
241111
COMPUTING
robert.sillars@sigmagroup.gg martynguille@cwgsy.net
Mr Martyn Guille
GOLD & SILVER WORKSHOP
236161
MANUFACTURING
Mr S Larbalestier
SIMON LARBALESTIER OPTICIANS
710781
RETAIL
www.sgspirits.com
www.sigmagroup.gg
Mr Simon Lovell
SIMON LOVELL INTERIORS
728695
RETAIL
simonlovellinteriors@cwgsy.net
Mrs Melissa Campbell
SITUATIONS RECRUITMENT AGENCY LTD
710639
EMPLOYMENT
team@situations.gg
www.situations.gg
Mr Jim Coupe
SKIPTON INTERNATIONAL LTD
727374
BANKING
jim.coupe@skiptoninternational.com
www.skiptoninternational.com
Mr Dan Smith
SMITH SIGNS LTD
247749
PRINTING
enquiries@smithsigns.co.uk
Ms Susan Watson
SOFSYNC LTD
07781 122449
COMPUTING
information@sofsync.co.uk
Mr Richard Allisette
SOMMELIER WINE COMPANY LTD
721677
IMPORT/EXPORT
rallisette@cwgsy.net
Mrs Julia Martin
SOURCE RECRUITMENT SPECIALISTS LTD
701616
RECRUITMENT
julia@source
www.source.gg
Mr Rob Shipman
SOVEREIGN TRUST (C.I.) LTD
729965
TRUST & COMPANY ADMIN
rshipman@sovereigngroup.com
www.sovereigngroup.com
Mr Kevin Boscher
SPEARPOINT LTD
815555
INVESTMENT ADVISERS & MGRS kevin.boscher@spearpoint.com
www.spearpoint.com
Mr D J D Perkins
SPECSAVERS OPTICAL GROUP
232458
DISTRIBUTION
mauraf@gg.specsavers.com
www.specsavers.net
Mr Rod Goldsborough
SPECSAVERS OPTICIANS
723530
RETAIL
rod.goldsbrough@hotmail.co.uk
Mr Pierre V Blampied
SPF PRIVATE CLIENT (C.I.) LTD
715234
FINANCE
pblampied@spf.gg
www.spf.gg
Mrs S Mason
SPICER & PARTNERS GUERNSEY LLP 710315
SOLICITORS
smason@spicersllp.com
www.spicersllp.com
info@srmc.co.uk
www.srmc.co.uk
sofsync.co.uk
Ms Carol Harvey
SPORTS & REMEDIAL MASSAGE CLINIC 724723
HEALTH LEISURE
Mr N Cirigliano
ST EMILION LTD
726059
HOTEL & CATERING
Mr Steve Durey
ST GEORGE’S HOTEL
721027
HOTEL & CATERING
stgeorges@guernsey.net
www.georges-guernsey.com
Mr Andy Bisson
ST JOHN TRAINING SERVICES GSY 247979
HEALTH
training@sja.org.gg
www.sja.org.gg
Mr M R Priest
ST PETERS TRUST COMPANY LTD
723674
TRUST & COMPANY ADMIN
info@stpeterstrust.com
www.stpeterstrust.com
Ms Dina Le Lacheur
ST PIERRE PARK HOTEL
728282
HOTEL & CATERING
reservations@stpierrepark.co.uk
www.stpierrepark.co.uk
ST SAMPSONS CONSTABLES & DOUZAINE
244130
PARISH AUTHORITY
stsampsonsconstables@gov.gg
Mrs Bridget Foss
STAN BROUARD GROUP
252521
RETAIL
bridget@stanbrouard.com
www.sbpi.co.uk
Mr Harry O’Neill
STANHOPE HOUSE LEISURE (GSY) LTD 710444
LEISURE
harry@stanhope.biz
www.theislandbowl.com
Mr Mike Hall
STANLEY GIBBONS (GUERNSEY) LTD708277
INVESTMENT SERVICES
mhall@stanleygibbons.co.uk
www.stanleygibbons.com
Mr Gerald Hough
STATE STREET TRUSTEES (GSY) LTD 734700
FINANCE
ghough@statestreet.com
www.statestreet.com
68 | CONTACT | APR / MAY 2013 | www.guernseychamber.com
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Guernsey Chamber of Commerce Directory of Members CONTACT
COMPANY NAME
TEL
CATEGORY
WEB
S Mr Steven Ferbrache
STEVE FERBRACHE & CO LTD
700889
BUILDING
steveferbrache@cwgsy.net
Mr Steve Ford
ST JOHN TRAINING SERVICES
247979
HEALTH TRAINING
training@sja.org.gg
Mr J R Herschel
STONELAKE LTD
720053
RETAIL
hersch@guernsey.net
Mr David Holt
STOPCOST LTD
07781 413083
PAYMENTS SOLUTIONS
dh@theexchange.co.uk
Ms Paul Watson
STYLE OFFICE
737044
OFFICE & BUSINESS EQUIPMENT office@stylegroupguernsey.com
www.stylegroupguernsey.com
Mr Keith Wilen
SUAVE MEDIA
736515
MARKETING
keith@suavemedia.co.uk
www.suavemedia.co.uk
Mrs Sue Wilson
SUECO OUTSIDE CATERING LTD
720969
info@suecooutsidecatering.com
www.suecooutsidecatering.com
Mr Anthony Dundon
SUNNYDENE COUNTRY HOTEL
236870
OUTSIDE CATERING/ COOKERY SCHOOL HOTEL & CATERING
info@sunnydenecountryhotel.co.uk
www.sunnydenecountryhotel.com
www.sja.org.gg
Mr F D Mawson
SUNWIN LIMITED
257726
Mr M Hesse
SWALLOW APARTMENTS
249633
HOTEL & CATERING
swallowapt@aol.com
mawson@cwgsy.net www.swallowapartments.com
Mr Matthew Henry
SWOFFERS
711766
ESTATE AGENTS
sales@swoffers.co.uk
www.swoffers.co.uk
Mr Philip Lepp
SYDNEY CHARLES INSURANCE ADVISERS LTD
739970
INSURANCE
info@sydneycharles.co.uk
www.sydneycharles.co.uk
T Ms Gail F Batiste
TECHNICAL FIELD SERVICES INT LTD 729298
HUMAN RESOURCES
tfsi@tfsi-ltd.com
www.tfsi-ltd.com
Mrs Kate Heywood
THE BEST OF GUERNSEY
246822
ADVERTISING & MARKETING
guernsey@thebestof.co.uk
www.thebestof.co.uk/guernsey
Ms Tamara Menteshvili
THE CHANNEL ISLANDS STOCK EXCHANGE LBG
713831
FINANCE
admin@cisx.com
ww.cisx.com
Mr P S Purtill
THE DUKE OF RICHMOND HOTEL
726221
HOTEL & CATERING
manager@dukeofrichmond.com
www.dukeofrichmond.com
Mr Jos Ensink
THE FORT GROUP
724016
INDEPENDENT FINANCIAL ADVISERS info@thefortgroup.com
www.thefortgroup.com
Mr Jeff Barnett
THE GOWER GROUP LTD
700155
FINANCIAL SERVICES
lorna.barnett@gowerfinancial.com
www.gfs.gg
Mr Andrew Tabel
THE GUERNSEY DAIRY
237777
FOOD PROCESSING
andrew.tabel@guernseydairy.com
www.guernseydairy.com
Ms Alex Bridle
THE GUERNSEY EVENT CO LTD
728686
EVENT MANAGEMENT
alex@eventguernsey.com
www.eventguernsey.com
Ms Kathy Tracey
THE LEARNING COMPANY LTD
730598
EDUCATION
kathy@thelearningcompany.ws
www.thelearningcompany.ws
Mr David Robilliard
THE LIBERATION GROUP LIMITED
724444
HOSPITALITY
daverobilliard@bucktrouts.com
www.liberationgroup.com
Mr David Brown
THE MALLARD
264164
BUSINESS SERVICES
david@themallardcomplex.com
www.themallardcomplex.com
Mr Phillip Morgan
THE PAPER BOX
712877
RETAIL
pmorgan@ukonline.co.uk
Mr Tony Tostevin
THE PARTNERSHIP LTD
700070
ADVERTISING & MARKETING
tony.tostevin@tpagency.com
www.tpagency.com
Mr Jay Aylmer
THE POTTING SHED
727699
ADVERTISING & MARKETING
jay@thepottingshed.gg
www.thepottingshed.gg
Mr Mike Allisette
THE SMALL IT COMPANY
722333
COMPUTER CONSULTANCY
Mike@smallit.co.uk
www.smallit.co.uk
Mr T Fernandes
THE TASTE OF INDIA RESTAURANT
723730
HOTEL & CATERING
joyce@cwgsy.net
Mr Tim Rawles
TIARA SOFTWARE CONSULTANTS LTD 07781 443475 COMPUTING-SOFTWARE SERVICES timr@tiara-ci.com
www.tiara-ci.com
Mr Alan Mason
TIMELY DESIGNS (CI) LTD t/a WOODWORKS
246568
woodworks@cwgsy.net
www.woodworksguernsey.com
Mrs Julie Todd
TODD & ASSOCIATES
07781 116713 FREELANCE SALES
julie@toddandassociates.co.uk
www.toddandassociates.co.uk
Mr Anthony Harding
TOTAL CHANNEL ISLANDS LTD
249151
Deputy Jack Honeybill
TOWN CENTRE PARTNERSHIP LTD
07781 113464
jackhoneybill@hotmail.com
www.towncentrepartnership.com
Mrs Suzanne Rouxel
TRAFALGAR TRAVEL LTD
728121
TRAVEL AGENT
suzanne@trafalgarleisure.com
www.trafalgarleisure.com
Mr Vaughan Davies
TRAVEL COUNSELLOR VAUGHAN DAVIES
726837
TRAVEL AGENT
vaughan.davies@travelcounsellors.com www.travelcounsellors.co.uk/ vaughan.davies
Mrs Debbie Freestone-Roberts
TRAVEL COUNSELLORS
712549
TRAVEL AGENT
d.freestoneroberts@ travelcounsellors.com
www.travelcounsellors.com /d.freestoneroberts
Mr Fred Eulenkamp
TRAVEL SOLUTIONS
715145
TRAVEL AGENT
fred@travelsolutions.uk.com
www.travelsolutions.uk.com
Mr K Le Poidevin
TRINITY TRUST CO LTD
727429
TRUST & COMPANY ADMIN
info@trinitytrust.co.uk
www.trinitytrust.co.uk
Mr Andrew Troalic
TROALIC A J & SONS LTD
245363
RETAIL
ajtroalics@cwgsy.net
Ms Mary Masnari
TTC Travel Group Ltd
754773
TRAVEL CONSULTANTS
guernseyfinanceteam@bookttcuk.com www.thetravelcorporation.com
Mr Paul Dowinton
TYRRELL DOWINTON ASSOC LTD
259959
ARCHITECTS
pdowinton@tda.gg
JOINERY
FUEL & ENERGY DISTRIBUTION anthony.harding@total.co.uk
www.tda.gg
www.guernseychamber.com | APR / MAY 2013 | CONTACT | 69
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Guernsey Chamber of Commerce Directory of Members CONTACT
COMPANY NAME
TEL
CATEGORY
WEB
V Mr Gordon Dutton-Queripel VALLEY COMPUTER SERVICES LTD
239460
COMPUTING
sales@valley-computers.co.uk
www.valley-computers.co.uk
Mr Lance Vaudin
VAUDIN STONEMASONS LTD
248316
BUILDING SERVICES
vaudinstone@cwgsy.net
www.vaudinstone.com
Dr David Robson
VAZON ENERGY LTD
729981
CONSULTANCY
vazon@vazon.gg
Ms Fleur Curzon
VAZON PR & EVENTS (METASIS LTD)
722424
CONSULTANCY
fleur.curzon@vazon.co.uk
www.vazon.co.uk
Mr Peter Watson
VETS4PETS LTD
239200
VETERINARY SERVICES
peter.watson@vets4pets.com
www.vets4pets.com
Mr Chris Brazier-Creagh
VICTORIA FINE JEWELLERY
740050
RETAIL
jewellery@cwgsy.net
www.victoriafinejewellery.com
Mr Julian Box
VIRTUSTREAM LIMITED
08703 453525
TECHNICAL CONSULTANCY
julian.box@virtustream.com
www.virtustream.com
Mr Bill Mead
VISION NETWORKS LTD
255414
SECURITY INSTALLATIONS
sales@cctv.gg
www.cctv.gg
Ms Yvonne Scott
VISTA HOTELS LTD
213570
HOTEL & CATERING
yvonne@vistahotels.co.uk
www.vistahotels.co.uk
Mr Nigel Robson
VORTEX PR
233080
PUBLIC RELATIONS
nigel@vortexpr.com
www.vortexpr.com
W Mr R S Waite, FRICS
WAITE RS CHARTERED SURVEYOR 722121
ARBITRATOR
waiteprop@cwgsy.net
Mr Allen Edwards
WAITROSE
RETAIL
manageradmiralpark@waitrose.co.uk
www.waitrose.com www.websiteguernsey.co.uk
729222
Ms Carol Railton
WEBSITE GUERNSEY
246973
MARKETING SPECIALIST
c_railton@yahoo.com
Mr P Conway
WEIGHBRIDGE TRUST LTD
720581
TRUST & COMPANY ADMIN
paul@weighbridge-trust.co.uk
Mr S Hammer
WHITE & COMPANY PLC
736868
REMOVALS
whiteandcompany@cwgsy.net
Mr Jonathan Watson
WHITE HOUSE HOTEL
722377
HOTEL & CATERING
jonathan@herm-island.com
www.herm-island.com
Mr Dominic Wheatley
WILLIS MANAGEMENT (GSY) LTD
735630
MANAGEMENT CONSULTANTS
parissmithr@willis.com
Mr Mark De la Rue
WINDOW SERVICE CENTRE LTD
248743
MANUFACTURING
wsc.ltd@cwgsy.net
www.windowservicecentre.com
Mr Richard Sherrington
WINE & BEER IMPORTERS (GSY) LTD
246430
IMPORT/EXPORT
richardsherrington@rwrandall.co.uk
www.wineandbeerimporters.com
Mr Ken Baker
WORLD TRAVEL
252211
TRAVEL AGENT
ken@worldtravel.gg
Mr Tony Mealing
XTEC LTD
700004
COMPUTING
info@xtecltd.com
Mr Barry Pitfield
X-WARE LTD, T/A JCS
08450 049 599
X www.fortress.gg
barry.pitfield@talkjcs.com
Y Mr Hugh Bygott - Webb
Y LTD
252505
BUSINESS SERVICES
hbw@yltd.co.uk
Mr Peter J Symes
YORKSHIRE GUERNSEY LTD
710150
BANKING
pjsymes@ygl.gg
www.ygl.gg
Zing Ltd
236490
HEALTH
dave@zingpainrelief.com
www.zingpainrelief.com
Z Mr Martin Whittet
70 | CONTACT | APR / MAY 2013 | www.guernseychamber.com
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