Active Investigation | Cs Imperium 1

Insurance and Legal Sector Corruption

Active investigation

Core Allegations:

A widespread, coordinated fraud has been uncovered involving Liverpool Victoria (LV=), Allianz, and AXA, in collaboration with Lyons Davidson, Womble Bond Dickinson (WBD), and DAC Beachcroft. The scheme centres around:

Suppression of personal injury claims to inflate insurer profitability;

Deceptive brand licensing: LV= continued selling policies under its name post-sale to Allianz, misleading over 5 million policyholders;

Elder abuse and catastrophic delay in claim processing;

GDPR violations and data concealment to obstruct victims’ rights;

A Bristol-based legal cartel functioning as a gatekeeping structure to deflect liability and mislead the public, regulators, and courts.

For further details and information on how you can help download the pack below.

*We have received Whistleblower support but we are actively seeking more. If you have been made a victim by any of the individual or organisations we want to hear from you. Information and testimony leading to convictions may be subject to financial rewards as part of a class action lawsuit.

If you are a victim and wish to join the lawsuit, please leave us a message with a contact email and we will send you forms to fill out that will help us assess your suitability.

Suitable applicants will have:

Been a customer, policyholder, or legal client of one of the following organisations:

Liverpool Victoria (LV=), Allianz, AXA, Lyons Davidson, Womble Bond Dickinson, or DAC Beachcroft.

Documented evidence of misconduct, preferably in writing (emails, letters, SAR responses, call logs, or legal communications).

Misconduct may include, but is not limited to:

Suppression, delay, or underpayment of a valid personal injury or insurance claim;

Misdirection to an incorrect or non-existent insurer (e.g. “Cornish Insurance”) to avoid liability;

GDPR violations, such as refusal to respond to Subject Access Requests (SARs), sharing your confidential data without consent, or falsifying records;

Denial of legal representation or obstruction of an appointed representative (especially if the victim is vulnerable or elderly);

Fabricated or misleading statements made by claims handlers, lawyers, or executives;

Use of law firms with undeclared financial conflicts of interest (e.g. where the insurer held undisclosed shares in the legal firm handling your claim);

Threats, defamation, or retaliation after you challenged their conduct;

Failure to inform you of key changes in your claim status, underwriter, or legal rights.

We are particularly interested in cases involving elder abuse, mental health deterioration, or evidence that your case was deliberately mishandled, stalled, or redirected to limit financial liability.

Your experience will be treated confidentially and may contribute to a broader class action currently being prepared for filing in the UK High Court and the Competition Appeal Tribunal.

Information Pack

The following person stand accuse of various civil and criminal offences and professional negligence in the face of compelling evidence.

If you are named within this dossier and wish to provide testimony, submit a correction, or disclose relevant information, you may contact our office in writing at secretary@cs-imperium.com.

Please be advised that we will not respond to threats, coercion, or improper requests for removal. CS Imperium acts in the interests of its clients and the public good. All investigative findings, disclosures, and publications are made in accordance with applicable jurisdictional laws, including but not limited to the Defamation Act 2013, the Data Protection Act 2018, and the Human Rights Act 1998.

We reserve the right to retain, analyse, and distribute information obtained in the course of our investigations, where lawful and proportionate, in the furtherance of public interest, legal action, or regulatory oversight.

Beneath each person of interest are a selection of the crimes they are accused of. The list is by no means exhaustive.

MD Lyons Davidson

Mark Savill

Insurance Fraud – Participation in prolonged claim suppression strategies.

Obstruction of Justice – Refusal to respond to legal correspondence (29+ months).

Fraud by Misrepresentation – Denied active case management while directing it.

GDPR Breach – Multiple non-compliant Subject Access Request refusals.

Misfeasance in Public Office (Proxy) – Shielding LV=/Allianz through legal channels.

Director LD

Anne Hewitt

Insurance Fraud – Participation in prolonged claim suppression strategies.

Obstruction of Justice – Refusal to respond to legal correspondence (29+ months).

Fraud by Misrepresentation – Denied active case management while directing it.

GDPR Breach – Multiple non-compliant Subject Access Request refusals.

Misfeasance in Public Office (Proxy) – Shielding LV=/Allianz through legal channels.

Dave Hynam

CEO LV=

Corporate Insurance Fraud – Concealment of valid injury claims from liability trail.

Misconduct in Public Office (Constructive) – Coordinated cover-up involving third-party legal firms.

Data Protection Act Violations – Unlawful processing and sharing of claimant data.

Negligence Resulting in Harm – Causal link to claimant health deterioration.

Failure to Prevent Corporate Crime (UKCA 2010) – Ongoing despite red flags.

Samantha Preece

Director LV=

Insurance Fraud by Omission – Failure to pay valid, admitted liability claim.

Fraudulent Concealment – Suppressed identity of liable insurer (Cornish → AXA).

Data Obstruction – Repeated GDPR breaches and refusal of legal disclosures.

Corporate Bribery Link – Alleged personal bonus during Allianz sale.

Conspiracy to Pervert the Course of Justice – Use of legal firms to deflect litigation.

Harry Handscomb

CFO LV=

Stolen Valour – Falsely implied or overstated military credentials for professional gain.

Insurance Fraud – Involvement in claim obstruction, injury minimisation, and liability suppression.

Conspiracy to Defraud – Strategic coordination with external law firms to deny payout.

False Reporting to Police – Alleged role in manufacturing criminal suspicion against complainants.

Abuse of Power – Directed intimidation tactics including wrongful surveillance and legal coercion.

Tara Foley

AXA UK CEO

Corporate Insurance Fraud – Allowed AXA to be retroactively named on lapsed or non-existent policies.

Failure to Declare Conflict – Omission of AXA’s liability despite backend underwriting role.

GDPR Non-Compliance – Failure to produce records under SAR and DPA 2018.

Concealment of Underwriting Links – AXA involvement in claims previously denied by LV=.

Breach of Duty to Consumer – Ignored requests for documentation from catastrophic claimants.

Roland Moquet

AXA UK CFO

Fraud by Concealment – Withheld material disclosures regarding policy underwriting and reinsurance chains.

Misappropriation of Liability Funds – Potential misdirection of reserves owed to claimants.

Financial Misrepresentation – Understated exposure from unresolved high-value claims.

Breach of FCA Principles – Ongoing non-compliance with Treating Customers Fairly (TCF) duties.

Sushma MacGeoch

Womble Bond Dickinson Partner

Conspiracy to Commit Insurance Fraud – Coordinated legal deflection strategies for multiple insurers.

Misuse of Junior Counsel – Used subordinates as liability buffers for unlawful conduct.

Strategic Data Suppression – Oversaw refusal to comply with data law obligations.

Interference with High Court Proceedings – Engaged in procedural disruption via remote file control.

Command Liability – Directly accountable for SLAPP-style tactics deployed through WBD.

Rashmita Roy Chowdhury

Womble Bond Dickinson Associate

Insurance Fraud (Agent Class) – Acted to conceal insurer identity and obstruct valid payouts.

Perjury / False Statement – Issued denials of active engagement while handling live files.

GDPR and Data Act Breaches – Refused SARs and failed to disclose critical documents.

Obstruction of Justice – Failed to cooperate with regulators and redirected liability trail.

Professional Misconduct (SRA) – Violated Solicitor Conduct Rules in trauma-related claim delays

Colm Holmes

Allianz UK CEO

Fraud by Concealment – Withheld material disclosures regarding policy underwriting and reinsurance chains.

Misappropriation of Liability Funds – Potential misdirection of reserves owed to claimants.

Financial Misrepresentation – Understated exposure from unresolved high-value claims.

Breach of FCA Principles – Ongoing non-compliance with Treating Customers Fairly (TCF) duties.

Humma Khan

Allianz Escalated Complaints

Obstruction of Justice – Failed to escalate urgent claim

communications in fatal injury case.

Negligent Misrepresentation – Provided materially false responses contradicting internal knowledge.

GDPR Breaches – Failure to acknowledge or process Subject Access Requests.

Complicity in Insurance Fraud – Aided suppression of internal comms chain regarding liability.

Attempted Data Cover-up – Ignored metadata integrity requests from whistleblowers.

Emma Bowden

DAC Beachcroft

Insurance Fraud Facilitation – Acted on behalf of insurers to deny legitimate catastrophic injury claims despite admission of liability.

Concealment of Evidence – Failed to disclose material documents during litigation; obstructed access to metadata and claim files.

Complicity in Data Protection Breaches – Involved in strategic suppression of Subject Access Requests (SARs), violating GDPR and DPA 2018.

Strategic Abuse of Process – Participated in coordinated delay tactics to frustrate settlement and deny claimant access to justice.

Misuse of Legal Credentials – Allegedly issued correspondence denying her involvement while overseeing files behind the scenes.

Failure to Prevent Harm – Continued obstruction despite documented deterioration in victim’s condition linked to delay.

Timeline

March 2025

Lyons Davidson

LV=

AXA

Allianz

Regulatory and Legal Exposure

The scandal has triggered:

A £2.6–3.4 billion class action (Competition Act, Fraud Act, GDPR) against LV=/Allianz/Lyons Davidson;

A £30 million High Court claim against AXA for elder abuse, false underwriting, and late payment violations;

Live complaints before the ICO, SRA, FCA, and CMA;

Referral of misconduct by WBD solicitors and LV= executives under the Mental Capacity Act 2005 and Criminal Law Act 1977.

May 2025

WBD

DAC Beachcroft

Bristol Legal Cartel Allegation

The firms Womble Bond Dickinson, Lyons Davidson, and DAC Beachcroft are accused of forming a collusive legal network operating out of Bristol, designed to:

Obstruct whistleblower advocacy;

Intimidate victims through defamation, surveillance, and false reporting;

Suppress SARs and GDPR compliance;

Delay, underpay, or deny valid insurance claims while shielding their clients from exposure.

2007-2010

University Name

This scandal implicates over 5 million misled policyholders and 200,000 injured claimants, many of them elderly or vulnerable. With hard evidence now secured—recordings, correspondence, leaked files—the case is entering criminal and class action stages, with Parliamentary interest and press escalation imminent.