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Scottish Architecture News: Buildings in Scotland

Scottish Building News 2021, Architecture Photos, Property Scotland Images, Architects, Design Links

Scottish Architecture News

New Architecture Developments + Buildings in Scotland – Built Environment + Architects Updates

post updated 27 Feb 2021

Scottish Buildings News

This page contains a selection of major Scottish Architecture News, with projects arranged chronologically, latest first. Each architecture news item links to an individual project page. We’ve selected what we feel are the key Scottish Building News stories.

The focus is on contemporary Scottish buildings but we do post on changes to major traditional buildings in Scotland.

Scottish Architecture News 2021

Scottish Architecture Designs – chronological list

2 Mar 2021 Radisson Hotel Objection News

From Architect Alan Dunlop:

As the architect and designer of the Radisson SAS, a project that has garnered many architecture and hotel design awards, nationally and internationally. I write to object in the strongest possible terms to these proposals.

Read Professor Alan Dunlop’s objection in full at Radisson Hotel Glasgow

26 Feb 2021 Lower Tullochgrue, Aviemore, northern Scotland Design: Brown & Brown Architects photograph © Gillian Hayes Lower Tullochgrue, Aviemore Lower Tullochgrue is the refurbishment and extension of a traditional house in the heart of the Cairngorms National Park. A dilapidated steading has been replaced by a contemporary extension, with a timber and glass upper volume above a stone plinth, with the existing topography of the site maintained at all times.

26 Feb 2021 Strone Cottage, Scottish Highlands Design: Loader Monteith Architects photography : Nigel Rigden and Gillian Hayes Strone Cottage, Scottish Highlands The Strone Cottage is the adaptive restoration and extension of a highland bothy in the Cairngorm Mountains of Scotland.

12 Feb 2021 Upper Parkbrae House, Oyne, Aberdeenshire, North East Scotland Design: Brown & Brown Architects photograph © Nigel Rigden Upper Parkbrae House, Aberdeenshire This contemporary Scottish property design is comprised of a timber and glass box, which is cantilevered above the landscape, and sited on a stone wall which runs both inside and outside of the building.

11 Feb 2021 ER Residence, Glasgow Property

10 Feb 2021 Langside Halls Queen’s Park, Glasgow

5 Feb 2021 Scottish Design Awards 2021 Programme

1 Feb 2021 Kingsborough Gardens, Glasgow

Scottish Architecture News 2020

18 Dec 2020 Literature House for Scotland, John Knox House, Edinburgh Winning Architects: Witherford Watson Mann ; Groves-Raines Architects Studios ; Studio MB photograph © Daniel Lomholt-Welch Literature House for Scotland Edinburgh UNESCO City of Literature Trust has selected Stirling Prize winning architectural firm Witherford Watson Mann to lead the next phase of development at the Literature House in Edinburgh. They will be working in partnership with Groves-Raines Architects Studios and Edinburgh-based Studio MB.

20 Nov 2020 Cloch Lighthouse in Gourock Design: Benjamin Tindall Architects Cloch Lighthouse in Gourock Guiding light. Dougall Baillie Associates to advise on changes to home at the Cloch Lighthouse. The professional services of a Lanarkshire civil and structural specialist have been enlisted to advise on a significant upgrade to accommodation at one of Scotland’s most picturesque and dramatically-situated lighthouses.

19 Nov 2020 Holiday Inn Pacific Quay Hotel Architects: Mosaic Architecture + Design image courtesy of architects Holiday Inn Pacific Quay Hotel Glasgow Mosaic Architecture + Design, one of Scotland’s most experienced practices, has secured Glasgow City Council planning approval to build an £18m Holiday Inn Pacific Quay hotel on the site of the former Glasgow Garden Festival.

10 Nov 2020 Quarry Studios, Deeside, Cairngorms National Park, Scottish Highlands Design: Moxon Architects photo © Timothy Soar Quarry Studios in Cairngorms Quarry Studios is conceptually anchored in the landscape by two main elements; vertical concrete chimneys acting as a counterpoint to the low profile of the roof and a massive timber wall that intersects each volume.

6 Nov 2020 Laurieston Living Award News Design of Phase 2: architects Anderson Bell Christie image courtesy of architects Laurieston Living Glasgow A local Glasgow housing development has been named the best Affordable Housing Development of the Year in Scotland. Laurieston Living, which is being delivered by Scottish home builder Urban Union, scooped the award at this year’s Scottish Home Awards – seeing off competition from across the country.

5 Nov 2020 Chivas Brothers HQ in Glasgow International design studio Graven, has designed new, award-winning offices for Chivas Brothers, the Scotch whisky business of Pernod Ricard, on Blythswood Square in Glasgow’s city centre: Chivas Brothers Glasgow

29 Oct 2020 Science Centre Glasgow Photos We took some photos of this cluster of interesting buildings in a rare window of good weather: photo © Adrian Welch

photo © Adrian Welch

photo © Adrian Welch Science Centre Glasgow

29 Oct 2020 Canonmills Garden Recognised for Success at the Scottish Homes Awards

Canonmills Garden, Artisan Real Estate’s stylish new homes development in Edinburgh, is in the running for two prestigious accolades in this year’s Scottish Home Awards which takes place on Thursday (October 29):

Canonmills Garden Edinburgh

8 Oct 2020 Langside Halls Queen’s Park, Glasgow

11 Sep 2020 Scottish Design Awards 2020 Winners

11 Sep 2020 The Carpenter’s House, Stenton, East Lothian

10 Sep 2020 Scottish Architecture Conference The programme for the RIAS 2020 convention has been announced. With the Grain will run online from Monday 28 Sept – Friday 2 October: RIAS Convention 2020: With the Grain

7 Sep 2020 Hidden Stories Map: Glasgow Doors Open Day

4 Sep 2020 St Peter’s Seminary Cardross Building

30 July 2020

Planning Application Submitted for New Town Quarter Development

Plans have now been submitted for one of the largest developments to come forward in Edinburgh’s city centre for a generation.

Ediston and Orion Capital Managers have been working together on their shared vision for New Town Quarter, previously known as New Town North, since last year and have carried out what has been one of the largest consultations ever on a city centre development.

New Town Quarter Development

27 July 2020

Maven acquires site in Edinburgh

Maven Capital Partners, a leading UK property and private equity manager, has purchased a site at Murieston Crescent, Edinburgh, for the development of a purpose built student accommodation (PBSA) complex.

Murieston Crescent Edinburgh

21 July 2020 Builders frustrated by poor performance on crucial planning decisions

Responding to official planning performance statistics for 2019/20 published today, trade body Homes for Scotland (HFS) described another overall increase in decision times for housing applications as “hugely frustrating”.

Director of Planning Tammy Swift-Adams said:

“Despite an 11.5 per cent drop in the number of decisions made on local housing applications (defined as being for less than 50 homes), the time taken to make those decisions crept up for the second year running.

“This is concerning given that these small developments are, by nature, the lifeblood of SME home building businesses – a sector supported by Scottish Government loan funding during the crisis, but also needing local government support if it is to thrive”.

“Things are no more positive for major housing applications (those for 50 or more homes), decisions on which were two weeks slower than the previous year at 37.5 weeks – more than double the 16 week statutory timescale.”

“With all of the consultation and discussion time that has gone into improving the planning system, it is extremely frustrating to see this evidence that improvements are just not emerging on the ground.”

“And, of course, we also await the Scottish Government’s decision on whether planning application fees will be increased again. This decision, and the timing of its implementation, must be made in the context of this performance – with home builders currently receiving some of the poorest service across the system whilst already paying the lion’s share of fees.”

Swift-Adams also points to the Scottish Government’s new consultation document proposing changes to Scottish Planning Policy. These include removing the principle that planning applications that will help solve housing shortages should be looked upon favourably by decision-makers. The paper also seems to suggest that planning authorities should focus more singly on allocating their preferred sites and pay less regard to whether or not the homes that are needed are actually going to be built.

She continued:

“Scottish families and communities don’t need housing land. They want real homes to live in, and more of them. That requires a better functioning system and policy that encourages local planning authorities to ensure the sites they choose for housing development can and will be delivered. With the housing market showing encouraging signs post-lockdown, now is the time for local authorities to work closely with home builders to deliver the homes required.”

4 June 2020 Red Tree Magenta, Shawfield, Glasgow Design: NORR, Architects photo © Keith Hunter Photography Red Tree Magenta Building Clyde Gateway embarked on delivering the first commercial building at the 11ha Magenta Business Park site, Shawfield to act as a catalyst to the market, prove it as a business location and to demonstrate the viability of the remediation strategy for the wider site.

27 May 2020 New Homes Quality Board – interim board announcement

First step towards creation of New Homes Ombudsman scheme

The first step towards the creation of a New Homes Ombudsman (NHO) scheme has been announced with the appointment of an interim New Homes Quality Board (NHQB) chaired by “New Homes Quality Champion” Natalie Elphicke MP.

As a new independent body, the NHQB will have responsibility for the quality of new build homes and consumer redress. It will be guided by the principles of independence, transparency and integrity, and will comprise a mix of representatives of consumer bodies, home builders, warranty providers, lenders and independents such that it will not be dominated by any one group.

The interim board has ‘met’ for the first time and will now:

• oversee the composition and appointment of a permanent board; • complete, consult on and adopt a new comprehensive and robust industry code of practice that will place more stringent requirements on all parties involved in the construction, inspection, sale and aftercare of new homes; • agree a process to appoint a New Homes Ombudsman (NHO) service to adjudicate against the new code.

Nicola Barclay, Chief Executive of Homes for Scotland, said:

“While housing is a matter that is devolved to the Scottish Government, consumer protection remains a reserved matter and so comes under the responsibility of Westminster, making a UK-wide solution crucially important. Working closely with colleagues in the Home Builders Federation in England, we are delighted to see this progression which reinforces our determination to ensure a high-quality home for each and every purchaser. We are also pleased that the stringent requirements will see consumers receive the same level of clarity and consistency wherever they live.”

The ambition is that a permanent chair and board will be in place by Autumn with a view to the new code and ombudsman service being in place by the start of 2021. There will then be a transition period for builders to sign up to the new arrangements. It is anticipated Government will ultimately legislate to improve consumer redress as soon as possible and these new proposals aim to complement such reform.

Natalie Elphicke said: “This is a welcome move, and a much needed step in the right direction. I am committed to ensuring that the new arrangements will deliver a step change in the quality of new homes and customer experience. They will be based in the principles of independence, transparency and integrity, values I know Government and the industry are determined to instil. I look forward to working with all parties to finalise and implement these changes as quickly as possible.”

All the new arrangements will be paid for by the industry and once established, the NHO will be free to consumers, with access being through a new portal.

Natalie Elphicke is a qualified barrister and solicitor. In 2015 she was awarded an OBE in the Queen’s Birthday Honours for her services to housing. Natalie’s background is as a national specialist in complex housing and structured finance law and public policy. A former international law firm partner with over £4billion transactional experience, she had been described as “probably the best in the City” in her specialist area of housing.

She has extensive experience structuring and successfully setting up new organisations in her professional capacities, working with a diverse range of stakeholders. This includes most recently at the Housing & Finance Institute. She has a strong reputation as an independent commentator on housing matters ranging from housing policies to building new homes faster as well as in relation to the quality and safety of new build construction.

Natalie is a member of the Jaywick Sands coastal community team and a member of the NHBC advisory panel. She is a voluntary worker at her local homeless shelter, having previously volunteered at free legal/advice centres over many years. In December 2019, Natalie was elected as a Member of Parliament for Dover & Deal.

21 Apr 2020 Housing delivery can build way out of coronavirus crisis

Responding to today’s publication of the latest UK State of the Economy report, Chief Executive of industry body Homes for Scotland Nicola Barclay said:

“Whilst public health has quite rightly been the government’s top priority up to now, it is clear that the economic fallout could have even further reaching consequences for the country. Today’s report highlights that Scotland’s GDP could fall by 33% during the current period of social distancing, with construction noted as one of the most exposed sectors.

“We share the Economy Secretary’s desire to rebuild the economy as quickly as is safely possible and believe that we can, quite literally, build our way out of this. This is why we are working on a recovery plan which includes the core components necessary to kickstart home building, including putting robust control measures in place to protect workers, home purchasers and tenants, as well as working across the sector to ensure everyone is ready to go as soon as we can.

“Delivering the homes of all types that our country needs brings many significant benefits in terms of protecting vital jobs and skills, improving social wellbeing and contributing more widely to the economy through the extensive supply chain.

“Restarting from a standstill requires considerable planning and co-ordination so it is imperative that the Scottish Government works closely with industry to establish a programme for recommencement so we can provide the homes that so many people desperately need.”

9 Apr 2020 Mark Baines, Glasgow School of Art

Mark Baines, who has been a seminal part of the School for 50 years, has passed away (not Covid-19 related).

Mark was one of the first cohort to study on the full time programme at the Mac, went on to work with Andy and Isi at Gillespie Kidd & Coia, with Ian O Robertson Architect and Ian Bridges Architect before returning to GSA to teach generations of architecture students, most recently as Stage Leader for the DipArch programme.

Below is a tribute from his long-time colleague Johnny Rodger, Professor of Urban Literature at The Glasgow School of Art:

Mark Baines

It is with great sadness that we hear of the passing away of our colleague Mark Baines. As an esteemed and respected teacher, practitioner and critic, Mark Baines played a distinctive and vital role at the heart of architectural culture in Glasgow and Scotland in general. Any comprehensive list of his important achievements and his experiences could never be retailed in the space available here, and his place in Glasgow life was a unique one.

His long connection with the Mackintosh School of Architecture started in the early 70s when he was amongst the first cohort of full time architecture students at his beloved Glasgow School of Art. After going out to work as a practising architect for a few years he returned to teach in the school in 1982 and he taught there right up until 2020.

Generations of students were influenced by his encyclopaedic knowledge of the field and his quiet, patient, insightful and inspirational analyses which opened up a whole new spatial and structural world to them. He was the critical eminence grise behind the student edited annual MacMag, and he guided and oversaw the production of that publication which has refined and exposed the creative spirit of the Mac students since 1974. Public recognition of his position as a towering figure in the pedagogical culture of the Mac came when at the Royal Incorporation of Architects in Scotland’s annual Design Tutor of the Year Awards in 2013 he was given a Lifetime Achievement Award.

After MSA Mark started his professional career at the firm of Gillespie Kidd and Coia. The firm had a long association with teaching in the school going back to the 1920s and arguably longer, and Mark joined them as they were at the cutting edge of the rebuilding of the country after WWII. His experience there under the tutelage of Isi Metzstein and Andy MacMillan, set the standards for his own life as an architect and architectural teacher in terms of the fundamental importance of drawing, the vision of the discipline as a collaborative one through the methodologies of the studio, and the necessity of a discursive critical approach to the work.

Mark went on to work with other firms like Ian O Robertson Architect and Ian Bridges Architect through the eighties and onwards , especially on housing projects, and in 2007 completed the design and construction of the massive Merchant Building –a contemporary response in scale and material to the historical setting of Glasgow Cross – with his firm Gholami Baines.

As a critic Mark Baines played a prominent role as a public intellectual, writing chapters and articles for magazines, books and catalogues, putting on exhibitions and giving talks to innumerable groups and societies. Although his knowledge of architecture and architectural history was inexhaustible, and his moral and ethical discourses on where we live and how we do it drew a broad civic public, he became particularly well known for his critiques in a few specialist areas. After working with GKC and studying their work he became one of the acknowledged world experts in the field, writing extensively on the importance of their work in an international sense.

Among the exhibitions he curated on the GKC work, his 2007 one drew the biggest viewing public that The Lighthouse has ever had for any show. He was also an authority on the great 19th century Glasgow architect, Greek Thomson, wrote extensively on his work, campaigned to save numerous of his buildings, and was Chair Person of the Greek Thomson Society. Although his own tastes and indeed practice were of a contemporary not to say modernist outlook, Mark Baines worked tirelessly to broadcast to the world the genius of Thomson’s work and his importance to architectural history.

Mark was a respected and admired colleague, and was recognised by his fellows for the perspicacity of his vision, the originality and acuity of his judgement and the consistency of his approach. For many people he embodied the successes of the studio system at the Mackintosh School of Architecture, as a humane teaching and learning environment. Generations of students and colleagues from all around the world have been humbled then inspired by the breadth of his culture and his willingness to share it. He will be missed greatly at the Glasgow School of Art to which he was totally committed as a creative and collaborative institution.

Johnny Rodger, Professor of Urban Literature at The Glasgow School of Art

9 Apr 2020 New Town North Development at Former RBS Site image courtesy of architects Edinburgh New Town North Development

10 Mar 2020 Judges line up for 2020 Scottish Design Awards

The judging panels for the 2020 Scottish Design Awards have been confirmed with a mix of figures from industry and academia coming together to celebrate the nation’s best new work:

2020 Scottish Design Awards News

29 Feb 2020 Celebrate Perth’s New Creative Hub – Official Opening and First Exhibition Perth Creative Exchange, a £4.5 million creative hub which will help boost the local Perthshire arts economy, was officially opened at a launch ceremony on Wednesday February 26, by the Provost of Perth and Kinross, Dennis Melloy. photo : Fraser Band Perth’s New Creative Hub

29 Jan 2020 The Watch House, Crail, Crail, Fife, Eastern Scotland Architect: Alan Dunlop drawing © Alan Dunlop The Watch House in Crail, Fife Planning Approval and Listed Building and Conservation Area Consent granted unconditionally for this historic property renovation in Crail. The building is listed and sits within the conservation area in Crail, overlooking the Firth of Forth and The Isle of May.

17 Jan 2020 Paisley Museum Building News, western Scotland Design: AL_A image courtesy of architects office Paisley Museum Renewal Plans to transform Paisley Museum into a world-class visitor destination telling the town’s unique stories, including that of the globally admired Paisley Pattern, have taken a major step forward as The National Lottery Heritage Fund announced £3.8million of support for the project.

25 Feb 2020 The Glasgow School of Art appoints Penny Macbeth as new Director The Glasgow School of Art has appointed Penny Macbeth, currently Dean of Manchester School of Art and Deputy Faculty Pro-Vice Chancellor for Arts and Humanities focusing on external engagement and partnerships, as its new Director following an extensive international search: New Glasgow School of Art Director: Penny Macbeth

25 Jan 2020 New Gorbals Housing Association, Crown Street, Glasgow Design: Page\Park Architects photograph : Keith Hunter New Gorbals Housing Association Glasgow The new home of the New Gorbals Housing Association is a bespoke office and civic piazza forming the centrepiece of the Crown Street redevelopment in Glasgow.

7 Jan 2020 Lesley Samuel joins Halliday Fraser Munro as a landscape architect

A rise in masterplanning project wins across Scotland has seen award-winning architectural design and planning practice Halliday Fraser Munro bring high-level expertise to its team, adding landscape architectural services to its portfolio:

More info on the Edinburgh Architecture News 2020 page

More contemporary Scottish Architecture News on e-architect soon

Scottish Architecture News 2019

27 Nov 2019 Ashtree Road Pollokshaws Award News

Graeme Nicholls Architects along with clients Home Group in Scotland and Merchant Homes Partnerships are celebrating this week after their Ashtree Road development won not one, but two awards at the prestigious 2019 AJ Architecture Awards.

Ashtree Road Buildings

10 Oct 2019 ; 23 May 2019 New Macallan Distillery Building, Speyside – 2019 RIAS Andrew Doolan Best Building in Scotland Award Winner Architect: Rogers Stirk Harbour + Partners ; Exhibition Design: Atelier Brückner photo © Speirs + Major New Macallan Distillery Building The Macallan Distillery and Visitor Experience in Speyside reveals the production processes and welcomes visitors while remaining sensitive to the beautiful surrounding countryside.

5 Oct 2019 Scottish Architecture Student Films Two films here, by Edinburgh architecture student Daniel Lomholt-Welch:

Schiehallion:

youtube

Fragmentation:

youtube

1 Oct 2019 Perth Affordable Housing Electric Car Charging Points Perth housing development news: Muirton Living

25 Sep 2019 RIAS Andrew Doolan Best Building in Scotland Award 2019

24 Sep 2019 RIAS respond to Public Enquiry into 2 Scottish Hospitals

The Scottish Government has announced a public inquiry will be held to examine issues at the new Royal Hospital for Children and Young People (RHCYP) and the Queen Elizabeth University Hospital (QEUH) sites.

RIAS President Robin Webster OBE says; “The RIAS welcome the move by Health Minister Jeane Freeman’s to hold an inquiry into the delivery of Scotland’s 2 hospitals. This follows our earlier support for inquiries into failures in Schools across Scotland and our continued involvement in these discussions.

The removal of a co-ordinating overseer with professional independence; a broad and comprehensive understanding of the building design and the procurement process; with the time to apply that understanding and vitally, the executive authority to influence it, has inevitably allowed many gaps in the procurement process to open up; such that responsibilities are clouded, and appropriate resolution of issues fails to occur.”

18 Sep 2019 Fairways – Townhouses, St Andrews, Fife Design: Sutherland Hussey Harris image courtesy of architecture office Fairways Townhouses by St Andrews Old Course The Fairways – Townhouses in St Andrews are laid out so that one taller, tower-like building form addresses the urban setting facing towards the town centre.

6 Sep 2019 Whitehorn Hall Student Accommodation, St Andrews, Fife Whitehorn Hall Student Accommodation

8 Sep 2019 Scottish Design Awards Winners Clydebank Community Sports Hub by Marc-Kilkenny Architects wins: Scottish Design Awards 2019 Winners

6 Sep 2019 Paisley Museum Renewal News Paisley Museum Renewal News Paisley Museum Renewal, Scotland, design by AL_A, transforming the building into a world-class destination showcasing the stories of a Scottish town whose influence reached around the globe.

2 Sep 2019 £200m construction projects signal Glasgow move for architects Halliday Fraser Munro

Barclays Campus, Buchanan Wharf architects Halliday Fraser Munro relocate to larger Glasgow office after winning £200m worth of city construction projects

Halliday Fraser Munro Architects in Glasgow

Scottish Buildings News in 2nd Part of 2019

Scottish Building News 2019 image courtesy of HfS

Scottish property news from earlier in 2019:

Scottish Architecture News 2019

More Scottish Architecture news online soon

Location: Scotland

Scotland Buildings Updates Archive

Scottish Architecture News 2018

Scottish Architecture News 2017

Scottish Buildings News 2011

Scottish Architectural News 2010

Scottish Building News 2009

Scottish Building News 2007

Scottish Architecture

Glasgow Architecture News 2020

Scotland Architectural Resource Links

Royal Incorporation of Architects in Scotland News

RIAS/RIBA Awards 2019 Shortlist news

Scottish Borders Buildings

Best Building in Scotland Award

Scottish Housing

Historic Scottish Architects

Architecture Books Scotland

Scottish Design Awards

Architecture Design Scotland News

Buildings / photos for the Scottish Building News page welcome

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imawarfield631 · 4 years ago

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1) You're a last resort Most loans to friends and family have a very low or nonexistent interest rate. So by loaning a loved one money, you're taking on a ton of risk for a fraction of the payout a bank would normally get.

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You can applyonlineor over the phone at, ext. 290, as well as close on the loan online-- no need to personally see a branch. Charge card cash loan are another fast means to borrow money.

As seen, there are many different reasons to obtain an individual loan. However, remember that regardless of the scenario, it should be paid back at some point.

Explore grabbing side work, obtaining cash from a buddy or simply asking for even more time to repay your debts. These will help you stay clear of expensive interest rates and the prospective spiral of debt some individuals get involved in with temporary financings.

All borrowing goes through you being a UK resident, matured 18 or over and also your individual situations. All loan providers run accountable financing policies and as such what you would like to borrow goes through an affordability evaluation. Peer-To-Peer Loan - Provided by the alternate financing sector where you borrow money from capitalists who are actively seeking some degree of return on their investment. While small business loan can take time to prepare, P2P borrowing can be much quicker, with competitive rates (depending on your credit history) and very early repayment chances.

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However, unlike your debit card, charge card cash advances come with a high price. Foreach development, you pay a deal fee( typically 3% to 5% of the amount borrowed), plus passion.

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pipepencil02-blog · 4 years ago

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What's The Least Expensive Way To Borrow Money?

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Do You Need To Borrow Money?

Making a decision Whether You Must Be Borrowing Cash

Do You Truly Need To Invest The Money At All?

Can You Save Up Or Make Use Of Some Savings As Opposed To Borrowing Cash?

Good Money Loaning Versus Bad Money Borrowing

Do You Need To Borrow Money?

Your choice to borrow money implies that need to be repaid-with passion on top when you take out an individual loan to pay off credit cards or to toss the best wedding. Individual lendings are an excellent means to consolidate debt and also make significant purchases, but you need to constantly use this financial resource properly.

Deciding Whether You Should Be Borrowing Money

Can I get a 0 interest loan?

Bad credit is OK. Loans of $1,500 are typically easier to qualify for than higher amounts, even with credit below 580.

Merely visit an ATM MACHINE, swipe your card, enter your PIN and also you have cash. It's similar to taking cash out of your bank account with your debit card.

Do You Actually Required To Spend The Money At All?

You can then use this information to make an educated choice concerning what to get. Your history with credit is summed up into your credit score. Having a long background of paying your financings, costs and credit cards on time indicates you're most likely to have a high credit history. Skipping or missing payments on finances, borrowing as well as bills is likely to lead to a reduced score.

Can You Conserve Up Or Make Use Of Some Savings Rather Than Borrowing Money?

How can I get a 50000 loan?

If you've repaid all your financial obligation and are wanting to obtain a little amount of cash in order to begin reconstructing your credit score, it is essential to be realistic with what you look for. Possibilities are, if it's taken you a while to repay your financial debt and also your credit rating experienced therefore, you are not going to be authorized for a ₤ 10k loan from the bank also if you're debt-free today. And also, applying for too many loans and also other credit lines that you are declined can harm your credit rating in the temporary. The best way to see to it that you don't get declined for credit is to utilize a qualification mosaic tool beforehand. These devices will not affect your credit report in any way as well as will let you know how much of a possibility you have actually of being accepted for a specific loan, bank card, or another form of money.

However, it may be difficult to discover such an organisation that agrees to supply an established as adaptable as that.

Peer to peer loaning is a fairly new sensation that allows individuals who want to borrow money to be taken into touch with people who want to offer money.

If you choose that this is the type of loan that is ideal fit to your own personal scenario, after that all you need to do following is look for the credit from the bank or building culture or your selection.

When somebody borrows from a cooperative credit union, they are motivated to save as well, indicating that by the time they finish settling the loan their savings will have grown also.

Cooperative credit union finances come with no hidden fees and also no fines for repaying the loan early.

Private pupil financings come from private banks, including financial institutions, lending institution and also online loan providers. You might be able to apply online or personally, typically a couple of months prior to the academic year starts. While they might have bigger pupil loan limitations, exclusive fundings commonly feature fewer consumer defenses and also payment alternatives than government trainee loans. Individual loanscan be made use of for almost anything-- from settling credit cards to combining financial obligation to covering emergency situation costs. At Greater Alliance, we are supplying the alternative to avoid a settlement, if required, because of monetary hardship during the coronavirus situation.

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Charge card interest rates are commonly high (averaging 17% APR), but cash loan prices are even higher (usually as long as 25% APR). The advantage of a charge card cash loan is that it is quick as well as easy. If you need economic guidance you need to talk with a certified monetary consultant. As a broker we refine the info you offer us as well as we might pass this onto our trusted 3rd party lending institutions and brokers.

With this report, understanding the influence of financings and credit is quickly made easier for the majority of debtors that are looking to cash loan as well as payday advance loan as choices for credit. As long as you are in fulltime employment and you know why you are obtaining cash, obtaining from a responsible lending institution is straight ahead.

You can applyonlineor over the phone at, ext. 290, as well as close on the loan electronically-- no demand to personally see a branch. Credit card cash advances are an additional rapid means to borrow money.

As seen, there are various factors to take out an individual loan. However, keep in mind that despite the scenario, it needs to be repaid eventually.

Explore picking up side work, borrowing cash from a friend or simply requesting even more time to settle your financial debts. These will aid you avoid expensive rates of interest and the prospective spiral of financial debt some people get involved in with short-term car loans.

All loaning undergoes you being a UK citizen, matured 18 or over and your individual circumstances. All loan providers operate liable borrowing policies and thus what you wish to borrow goes through a price evaluation. Peer-To-Peer Loan - Provided by the alternate borrowing sector where you borrow money from investors that are actively searching for some level of return on their investment. While small business loan can require time to prepare, P2P financing can be much quicker, with affordable rates (dependent on your credit rating) as well as very early settlement chances.

Nevertheless, unlike your debit card, credit card cash loan come at a high price. Foreach advance, you pay a purchase charge( typically 3% to 5% of the amount borrowed), plus rate of interest.

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marketingonlineconsulting · 6 years ago

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toldnews-blog · 6 years ago

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New Post has been published on https://toldnews.com/business/the-fashion-models-struggling-with-a-life-of-debt/

The fashion models struggling with a life of debt

Image copyright Getty Images

Image caption Hundreds of models travel to the major fashion weeks in the hope of work

As fashion weeks follow hot on each other’s heels in New York, London, Milan and Paris, hundreds of models are travelling to the four fashion capitals in the hope of getting work.

But many will go home financially worse off than when they arrived.

Anna (not her real name) has worked as a model since she was 17, appearing on the catwalk for Prada, Mulberry, Comme des Garcons and many others.

But after three years, she still hasn’t managed to pay off all the £10,000 she owes to her modelling agencies.

“My debt situation started right away when I started modelling,” she tells the BBC.

Image copyright Getty Images

Image caption Models have to pay their agencies back for the travel fees and other upfront expenses

The first agency Anna signed with, in her European home country, advanced her £350 for taking test photographs, a cost that was added to an account in her name.

Later she was flown to London for a casting, and that cost was also added to her account, including accommodation and living expenses. The amount she owed mounted.

“They would ask me if I wanted a driver, without being clear that this is very expensive, and that I have to pay for it,” she says.

The problem for fashion models is that while their agencies will typically pay for their flights, accommodation and expenses up front, it is standard industry practice that they want the money back.

So if a model travels to the latest London Fashion Week, which starts on Friday, and doesn’t get work, they will be in debt to their agency for the amount it spent getting her or him there.

Anna had this problem, when aged 18 she flew to the US for castings at New York Fashion Week, but ultimately couldn’t attend any due to falling sick.

For two years she says she received next to no pay, as her agencies in Paris, London and New York directed her fees to pay off all the money she owed.

Ekaterina Ozhiganova says it’s time to address the hidden problem of debt that models rack up as they try to make a career in one of the most precarious professions in the world.

Image copyright Aurélien Nobécourt-Arras

Image caption Ekaterina Ozhiganova says that models don’t like to talk about how much money they earn

A Russian model working in Paris, she co-founded Model Law, the first French association working to protect models’ rights.

“It used to be that sexual violence was taboo,” she says.

“Now everyone is shouting on every corner about sexual exploitation, but no-one wants to talk about money. Everyone is shutting their mouths about it.”

Because success in the industry is partly measured by the amount you earn, working models rarely want to speak out about the problem.

But behind the scenes, Ms Ozhiganova says Model Law is helping models better understand their finances.

“The lack of information is the main problem” she says. “The models don’t know what they are supposed to receive.”

How easy is it to make a living as a model?

While models from all countries can get into financial difficulties, those from poorer nations can be more vulnerable.

“It’s like any worker who comes from abroad to a more prosperous economy,” says Ms Ozhiganova.

“There’s a big difficulty in language, they can’t read the paperwork, the contract. They are jumping into a void.”

Compounding the problem, the pool of aspiring models is so large that work is spread thinly and pay can be very low.

Some jobs in magazines, for example, are unpaid. Otherwise fees can range from £50 a day, to £1,000 or more for a taking part in a show during a fashion week or tens of thousands for featuring in a brand’s campaign.

However, model debt is not debt in any ordinary sense of the term, says John Horner, director of the British Fashion Models Association, representing UK agencies.

Image copyright Aaron J Hurley

Image caption John Horner, director of the British Fashion Models Association, says that if a model leaves the industry her or his debt is simply written off

If a young model fails to make it and leaves the industry, she isn’t pursued for the money she “owes” he says. Instead the agency writes off the investment.

“It is not hanging round the models like [UK payday loan provider] Wonga,” he says. “We carry the debt.”

He says the London-based agency he runs, Models 1, has £60,000 of models’ debt sitting on its books, which may never be paid off, if the models’ careers don’t take off.

He says agencies are obliged to give models monthly itemised bills listing the charges to their accounts, but he’s not sure they always get read.

Most successful models soon pay off the initial investment and start earning on their own account, he says.

Esther Kinnear-Derungs is the co-founder of Linden Staub, a small agency set up in London three years ago to pioneer ways to treat models better.

She says that advancing and recouping costs is the “nature of the business”.

Image copyright jakub koziel

Image caption Esther Kinnear-Derungs (right) says the industry has a duty to better educate models about their finances

The problem is the girls are seen as “disposable” by many agencies, she says, and it’s an open secret that at fashion weeks some big agencies take the approach that hundreds of girls can be “thrown against the wall to see what sticks”.

She says it’s often girls from eastern Europe who are most vulnerable.

Their parents are happy to send them abroad, believing it’s their “big break”, and they don’t ask enough questions. The girls themselves have no experience at managing their own finances or careers.

“We believe we have a responsibility to educate the model from day one, whether she was scouted in Siberia, Africa or London,” says Ms Kinnear-Derungs.

Global Trade

More from the BBC’s series taking an international perspective on trade:

Candice [also not her real name], is a French model of east African descent. She says she had no idea when she started out that she was being charged for travel and expenses.

“When you get your first job, that’s how you realise it wasn’t free.

“You go and ask about your pay and they say, you don’t have money because you’re in debt. Then you understand,” she says.

She says even if agencies are ultimately carrying the financial risk, there’s a psychological burden on the models.

“It always feels like a gamble to make the journey to fashion week with the risk you’ll go home owing more than when you arrived,” she says.

“Maybe 40%, maybe more, go home with zero. That is why it is so stressful.”

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stahhr-blog · 8 years ago

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Tips For Smart Secrets For Mortgage Broker Melbourne

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"[It's very much] a freeway for people riding their bikes each day in and out of the city," Roads Minister Luke Donnellan said. Those seeking a more relaxed journey can still take the existing bike path along Footscray Road, which will be widened and upgraded. The veloway will begin around Shepherd Bridge in Footscray. As part of that $5.5 billion in road spending, the government has pledged to build almost 14 kilometres of upgraded cycling routes and footpath, completing missing links in the Federation Trail and the Kororoit Creek Trail. The work will mean that people will be able to cycle into the CBD from Werribee without having to intermingle with cars or trucks, the government said. A new bridge over Whitehall Street next to Yarraville Gardens will allow cyclists and pedestrians to avoid the dangerous intersection of Somerville Road and Whitehall Street. Last month Moonee Ponds mother-of-two Arzu Baglar, 36, was struck and killed by a truck while cycling through the junction. A bicycle bridge will also be built over Footscray Road near Costco in Docklands. The cycle upgrades and veloway were welcomed by Bicycle Network spokesman Garry Brennan.

New Guidance For Selecting Factors For Bad Credit Loans The Latest Advice On Efficient Plans For Mortgage Broker Melbourne

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premimtimes · 5 years ago

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She spun a story the world wanted to believe: a self-made billionaire who had risen in a male-dominated business world in an African country ravaged by civil war and poverty.

In public appearances in the spring of 2017, Isabel dos Santos, then head of Angola’s giant state oil company, Sonangol Group, mingled with Hollywood legends on the French Riviera and charmed oil tycoons in Houston with tales of hard work and accomplishment. Wearing her trademark black blazer at the London Business School, the 44-year-old chairwoman told a packed audience that leaders should be chosen on their merits.

“I’ve been managing companies for a long time, starting them from small, building them up, going through every single stage of what it takes for a company to be successful,” she said.

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Left unmentioned in London: That she had been installed in the top job at Sonangol by her father, José Eduardo dos Santos, the longtime Angolan autocrat. That over the years he had awarded her companies public contracts, tax breaks, telecom licenses and diamond-mining rights. And that even as she spoke to the crowd of aspiring entrepreneurs, she was paving the way for one of her most brazen insider deals — the payment of tens of millions of dollars from the state oil monopoly to a company in Dubai controlled by her business partner.

Luanda Leaks, a new investigation by the International Consortium of Investigative Journalists and 36 media partners, exposes two decades of unscrupulous deals that made dos Santos Africa’s wealthiest woman and left oil- and diamond-rich Angola one of the poorest countries on Earth.

Based on more than 715,000 confidential financial and business records and hundreds of interviews, Luanda Leaks offers a case study of a growing global problem: Thieving rulers, often called kleptocrats, and their family members and associates are moving ill-gotten public money to offshore secrecy jurisdictions, often with the help of prominent Western firms. From there, the money is used to buy up properties, businesses and other valuable assets, or it is simply hidden away, safe from tax authorities and criminal investigators.

“The movement of dirty money through shell companies into the international financial system to be laundered, recycled, and deployed for political influence is accelerating,” said Larry Diamond, a senior fellow at Stanford University’s Hoover Institution. “It heightens the danger of political violence and human rights abuses.”

Public corruption drags down economies, erodes faith in democracy and diverts money that could otherwise be spent on hospitals, schools and roads. Transparency International rates Angola as one of the most corrupt countries in the world. The average life expectancy is just 60. About 5% of infants die before their first birthday.

A view of Luanda from the Catambor area

The Luanda Leaks documents were provided to ICIJ by the Platform to Protect Whistleblowers in Africa, or PPLAFF, a Paris-based advocacy group. The trove contains emails, internal memos from dos Santos companies, contracts, consultant reports, tax returns, private audits and videos of business meetings. The documents, in Portuguese and English, date back to 1980, but mostly cover the last decade. They include descriptions of palatial homes in Lisbon and Monaco and a deluxe vacation featuring private aircraft and a speedboat. Emails show underlings fretting about risky bank loans and financial advisers fielding dos Santos’ requests to pay a bill from luxury fashion designer Valentino and open a new bank account offshore.

ICIJ found that dos Santos, her husband and their intermediaries built a business empire with more than 400 companies and subsidiaries in 41 countries, including at least 94 in secrecy jurisdictions like Malta, Mauritius and Hong Kong. Over the past decade, these companies got consulting jobs, loans, public works contracts and licenses worth billions of dollars from the Angolan government.

Dos Santos and her husband used their archipelago of shell companies to avoid scrutiny and invest in real estate, energy and media businesses. Documents also show businesses linked to the couple steering consulting fees, loans and contracts to shell companies they control in the British Virgin Islands, the Netherlands and Malta.

In one case identified by ICIJ, thousands of families were forcibly evicted from their Luanda homes on land that was part of a redevelopment project involving a dos Santos company.

They also secured large stakes in banks, allowing them to finance this empire even as other financial institutions backed away amid concerns about dos Santos’ ties to the Angolan state.

The family’s worsening reputation didn’t spook brand-name accountants and consultants, which continued to work for dos Santos-linked businesses, ICIJ found. Big companies and state-backed entities from China and the Netherlands continued to partner with the family’s private businesses.

Angolan government officials told ICIJ that they are investigating whether dos Santos and associates looted hundreds of millions of dollars from the state’s oil and diamond-trading companies. That includes a $38 million payment in November 2017 from Sonangol to a company in Dubai controlled by a dos Santos associate, a transfer ordered hours after Angola’s new president fired her from her job as head of the state oil company.

The officials also said that public contracts awarded by her father’s regime to her companies were inflated by more than $1 billion.

In December, two weeks after ICIJ questioned Angola’s government about dos Santos’ business dealings, an Angolan court froze her major assets, including banks, a telecom company and a brewery. The government is trying to recover $1.1 billion that it says is owed by dos Santos, her husband and a close associate of the couple.

Through their U.S. lawyers, Quinn Emanuel Urquhart & Sullivan, dos Santos and her husband denied wrongdoing and said they did not profit from political connections.

Carter-Ruck, a UK law firm representing Isabel dos Santos, said the businesswoman denied all wrongdoing, including any allegations of looting, fraud, contract overcharging and other misconduct.

The law firm said in a 10-page response that dos Santos didn’t use offshore vehicles to avoid paying taxes. She denied any of her companies evicted people. Dos Santos and the owner of the Dubai consulting company said the Dubai payments were for legitimate services provided to the state oil company.

In recent interviews, dos Santos, whose fortune is estimated at about $2 billion, said the government is on a “witch hunt” against her family. She denied that contracts were steered to her or that she was shown favoritism when her father was president.

Shortly after the asset freeze, she posted a reassuring message on Twitter for her followers and employees. She condemned the government’s move as politically motivated.

Dos Santos declined ICIJ’s requests for an interview. In an interview with BBC Africa, which asked several questions on behalf of ICIJ, dos Santos called the inquiry a “political persecution.”

“My holdings are commercial,” she said. “There are no proceeds from contracts or public contracts, or money that has been deviated from public funds.”

Her husband, Sindika Dokolo, told Radio France Internationale, one of ICIJ’s partners in France, that the Angolan government is wrongfully targeting him and his wife.

“They want to blame us for all the corruption and bankruptcy in Angola,” Dokolo said. “We pay taxes in Europe, and we’re Angola’s biggest tax contributor. We’ve worked and invested a lot in this country, more than many others.”

Dos Santos’ father and Angola’s former president, José Eduardo, didn’t respond to ICIJ’s requests for comment.

A daughter of ‘Comrade Number One’

Isabel dos Santos, age 46, was born in an Azerbaijan oil town, Baku, where her parents met while attending a state university devoted to oil and chemistry.

Her Russian mother, Tatiana Kukanova, was studying geology. Her father — the future Angolan president and “Comrade Number One” — was then an exiled guerilla leader in the Popular Movement for the Liberation of Angola (known by its Portuguese acronym MPLA).

In 1975, the Portuguese colony became one of the last in Africa to gain independence. José Eduardo dos Santos returned home with his wife and infant daughter. Kukanova went to work at Sonangol, the newly formed and fast-growing national oil company. A former executive recalls seeing Isabel at the office sitting on her mother’s lap.

José Eduardo quickly rose through the ranks of the now-ruling MPLA.

The death of Angola’s first president, Agostinho Neto, propelled the former guerilla fighter to power in 1979. With a brutal civil war dividing Angola José Eduardo moved swiftly to cement control, placing friends in key posts. He acquired near-dictatorial powers, including over Sonangol.

The oil company would become a pillar of the regime and the Angolan economy, accounting for more than 90 percent of total export revenue. Oil paid for everything — roads, bridges, food imports and the military.

The marriage to Kukanova didn’t last. In 1978, dos Santos fathered a son, José Filomeno, in a separate relationship. The following year, Kukanova moved with her daughter to London. Isabel spent her teens attending an elite prep school and went on to King’s College London, where she received an engineering degree. Her financial managers, the leaked documents show, later referred to her as “The Engineer.”

In 1992, President dos Santos changed the Angolan constitution to say the president could not be prosecuted for any official actions “except in the event of bribery or treason to the motherland.” The new language opened the way for him to give public assets to family and friends. Dos Santos treated Angola “like his personal farm,” Salvador Freire, a leading human rights lawyer in Luanda, told ICIJ.

His eldest daughter was a prime beneficiary.

In 1999, the president set up the Angola Selling Corp. with an exclusive license to market Angolan diamonds, another pillar of the country’s economy.

He gave a separate company — controlled by Isabel dos Santos and her mother — a 24.5% share in Angola Selling Corp.

A year later, the dos Santos government issued a hugely valuable mobile telecommunications license, one of the country’s first, to a company called Unitel. Among its owners and founders: Isabel dos Santos.

“Our proposal was one of the most daring and aggressive ones,” she told the BBC.

Lisbon bonanza

In December 2002, hundreds of guests crowded into a 17th-century Luanda cathedral to witness the wedding of Isabel, then 29, to Sindika Dokolo, age 30, a wealthy Congolese businessman and art collector. With a passion for Porsches, American professional basketball and African art, the outgoing Dokolo would become a key business partner to his wife and her champion. She is a “general on the battlefield,” he said in a 2017 interview.

By her early 30s, dos Santos owned luxury apartments in London and Lisbon worth millions. She had a taste for things Western: art shows in Miami, Dolce & Gabbana fashions, weekends in Paris. And she remained close to her father. At family gatherings, the two would sometimes pull out guitars and jam together. In a TV interview years later, she said that from her first day at school, when her father held her hand and gave her courage, he remained a “great source of inspiration.”

View this post on Instagram

Paris weekend #luv… 😻

A post shared by Isabel Dos Santos (@isabel_dos_santos.me) on Jul 2, 2016 at 7:20am PDT

Her father’s connections opened doors to one of her most important business relationships: Portuguese billionaire Américo Amorim.

Amorim had started in his family’s cork business before expanding into energy, real estate and banks.

With an oil boom creating demand for new financial institutions, Amorim and the president’s daughter teamed up to launch Banco BIC SA in 2005. It is now one of the largest banks in Angola, with $4.2 billion in assets. The partners subsequently moved into cement, real estate and energy.

To manage their growing empire, Isabel dos Santos and her husband set up an operational base in central Lisbon on posh Avenida da Liberdade above a Louis Vuitton flagship store. Mario Filipe Moreira Leite da Silva, an accountant formerly with the Big Four firm PwC, joined their financial management firm, Fidequity, and took charge of their finances.

Silva, named one of the country’s most powerful people by a Portuguese news channel, would become a key adviser and troubleshooter for the couple and a director at more than a dozen of their companies.

For legal work, she turned to Jorge Brito Pereira, a prominent legal scholar who at the time was a partner with the powerhouse Lisbon-based law firm PLMJ.

In 2005, Amorim and Sonangol closed a deal that would give the couple a valuable stake in an energy company at a bargain-basement price. It was their first major international deal.

The Portuguese billionaire and Sonangol formed an investment firm, Amorim Energia BV, which then bought a third of Portugal’s high-flying energy company, Galp Energia.

The idea for the deal came from Isabel dos Santos, her husband told Radio France Internationale. “The goal was to work on the whole [oil supply] chain from production to pumps, including the refineries,” Dokolo said. “Sonangol had neither the connections nor the skills to put together such an ambitious business plan.”

The Amorim-Sonangol joint venture named Dokolo to its board. Dos Santos had “significant influence” on the company, according to a confidential report on her holdings prepared by her financial advisers.

A year later, Sonangol sold 40% of its stake in the joint venture to Dokolo’s Swiss company, Exem Holding AG. The purchase price was $99 million, but Sonangol agreed to lend Exem most of the money needed to complete the sale, receiving just $15 million up front.

In the interview with the BBC, dos Santos said the deal benefited all sides. “This investment generated a large amount of return for all the parties that invested jointly,” she said. ”There are no wrongdoings.”

Dokolo told ICIJ that the loan was fully repaid in 2017. Sonangol said it rejected the repayment offered in Angolan currency as a violation of the deal. It considers the balance outstanding.

Sonangol didn’t explain why it agreed to sell the stake in the lucrative joint-venture to the then-president’s son-in-law.

Today the stake is worth about $800 million.

Shell games

Isabel dos Santos’ fortune was growing. Her advisers looked for ways to protect it.

In 2009, her business empire had expanded to include stakes in Portuguese banks and media companies, which provided her with millions of dollars in dividends.

She renovated her $2.5 million duplex penthouse in Lisbon. One invoice reviewed by ICIJ showed $50,000 spent on curtains, $9,200 on chaise lounges and nearly $7,500 on gym equipment from Harrods. Six years later, she bought a second apartment on one of the same floors for $2.3 million, though local land registry records don’t indicate if the two units were merged into one.

Over the coming decade, the dos Santos team would set up shell companies in many tax havens but quickly settled on a favorite: Malta.

The tiny Mediterranean nation, now embroiled in a political crisis over the 2017 car-bomb murder of an investigative journalist, is notorious for lax enforcement of laws against money laundering. Its officials rarely ask questions about the origin of foreign cash deposits or follow up on allegations of corruption or illicit money flows, according to a recent International Monetary Fund report.

Among the documents in the Luanda Leaks is a 16-page guide on the tax advantages of Malta, written by dos Santos’ lawyers at PLMJ. The 2015 pitch explained how, by incorporating a company in Malta, a client can start a business and collect dividends, interest and royalties without paying any withholding taxes.

The dos Santos team hired PwC’s Malta office to audit company accounts.

PLMJ and PwC declined to comment on services they provided to dos Santos companies.

The team also engaged an all-star local crew, including a former chief executive of the Malta Financial Services Authority and a former member of Parliament, to serve as directors for dos Santos shell companies.

Dos Santos and her husband used a Maltese shell company, Athol Limited, to buy a $55 million apartment in Monte Carlo, documents show. The 7,600-square-foot property was on the sixth floor of a luxurious complex named La Petite Afrique overlooking the Mediterranean Sea.

In 2010, Dokolo incorporated two Malta companies to acquire a controlling stake in a struggling Swiss luxury jeweler called de Grisogono. His business partner in the deal was Angola’s diamond-trading agency, Sodiam, which co-owned the Maltese entities.

Dokolo’s idea was to create a company that would control Angola’s diamond industry from mining to polishing to retail, he told ICIJ through his lawyers.

Sodiam helped finance the acquisition and loaned the jewelry company more than $120 million total, records show. Dokolo — who invested his own funds in the jewelry company — had “full control of the management,” according to a draft shareholder agreement in the leaked documents.

In the interview with RFI, Dokolo said the use of offshore jurisdictions was a business necessity. “It is very difficult for someone from Angola or the [Democratic Republic of the Congo], which are countries completely blacklisted on European markets, to open a bank account on European soil,” he said. “If you are like me, a politically exposed person since 2001, it is almost impossible. I can be criticized for using financial vehicles located in tax havens, but is that illegal?”

The couple claimed through lawyers to have received no tax benefits through their offshore companies.

The couple’s empire of shell companies grew steadily. By March 2013, they had created or invested in at least 94 companies in 19 countries. A third of these were shell companies.

That month, Isabel dos Santos was named to Forbes’ World’s Billionaires List.

Among the people listed, she was the youngest from Africa and Africa’s only woman.

Ambition and eviction

By the time she was 40, dos Santos had accumulated major shareholdings in media, banking, energy, retail and more.

She owned 25% of Unitel, the mobile phone company that had turned into a cash machine. From 2006 to 2015, it would pay out more than $5 billion in dividends to shareholders, ICIJ calculated.

She owned stakes in two Portuguese banks, Banco BIC and Banco BPI, a communications group called ZON Multimédia and its affiliate, ZAP, a satellite TV service.

She controlled Angola’s biggest cement producer, Nova Cimangola. She was preparing to launch Candando, a supermarket chain, and Sodiba, a beverage company that distributed an Angolan beer called Luandina.

Dos Santos was now a leading economic force in Angola; her companies employed thousands. In Luanda, shoppers would soon carry Candando bags, watch ZAP TV and sip Luandina lager. Orange-trimmed Unitel stores were everywhere.

She presented herself as a public-spirited, self-made success.

In 2013, soon after she was named a billionaire, she told the Financial Times that her entrepreneurial spirit dated back to age 6, when she started her first business, selling chicken eggs to support her cotton candy habit.

“I’m someone who wakes up in the morning, very early, goes out to the field, puts on the boots,” dos Santos recently told the BBC. “I build stuff, if necessary. If I need to carry boxes with my staff, and we need to put it on the shelves, I’ll be putting it on the shelves in my supermarkets.”

In Luanda, her hometown, dos Santos had been amassing buildings and other property for years and working on her next big venture: a massive urban-renewal project.

In later interviews, dos Santos said she no longer recognized the city of her childhood and wanted to uplift it. The civil war had forced millions of people from the land-mine-strewn countryside to urban areas. Shantytowns were everywhere.

Dos Santos said she wanted a Luanda of wide boulevards, green open spaces and a sweeping coastline studded with high-rise apartments.

“What we really want to see is people living in African cities to go from living in dwellings to living in homes,” she said.

Remaking a city would require outside help.

Luanda Bay, right, and a shantytown on the Atlantic shoreline in Luanda, Angola.

In early 2013, representatives of her real estate and construction-management firm, Urbinveste, began meeting with executives of Dutch giant Van Oord Dredging & Marine Contractors BV, according to confidential emails and other documents.

The Dutch and Angolan partners discussed a dredging and construction job that would include artificial islands, a new beach, a fishery port and a coastal road. She would later say the plan involved “highly specialized dredging and land reclamation” and “no need to evict or relocate any residents or any communities.” The project would be done on “100% reclaimed land from the sea.”

The cost would total $1.3 billion.

Maps from Luanda Leaks show that the plan cut through a vibrant 50-year-old fishing community and some of the best beaches in Luanda. Home to some 3,000 families, its name was Areia Branca, Portuguese for “White Sands.”

On May 10th, the concept was pitched to the president himself, according to a report by the local development agency. Different developers had drawn up other plans for the area as recently as 2009.

The consortium led by dos Santos’ company got the go-ahead.

Before dawn on a Saturday in June 2013, soldiers, police and members of the presidential guard moved into Areia Branca. Residents were evicted, and bulldozers set to work demolishing houses, according to complaints and letters compiled by Luanda-based nonprofit SOS Habitat. The neighborhood was leveled.

“There was nothing; no warning, no notice, nothing,” recalled Talitha Miguel, a 41-year-old schoolteacher, in an interview with Trouw, ICIJ’s Dutch media partner. “It was as if it were a massacre.”

Reputation under fire

On June 12, 2013, less than two weeks after the Areia Branca evictions, dos Santos faced a question about a massive transfer of money. Unitel had made $460 million in loans the previous year to a Dutch shell company called Unitel International Holdings, later revealed to be owned by dos Santos.

Luis Pacheco de Melo, a representative of PT Ventures, one of four partners in Unitel, asked at a shareholders meeting whether the board of directors had signed off on the deal.

Dos Santos assured him that the loans were properly approved, according to board meeting minutes.

De Melo wasn’t the only one asking about the family’s finances.

An agent in charge of registering Mauritius companies for dos Santos’ telecom business found information about her “source of wealth” missing from the documents.

A $1.3 million transfer from the Maltese holding company that controlled the Swiss jeweler to a Dokolo shell in the British Virgin Islands baffled a Swiss accountant. Auditors for the Maltese company couldn’t find agreements for millions of dollars in loans from the Angolan government to the jewelry company.

On the Isle of Man, John Murphy, a local director for a shell company used to acquire London real estate, discovered a mysterious $50 million credit on its bank statement. “It cause[s] us serious concern,” Murphy said in an August 2015 email to a dos Santos attorney.

He resigned soon after.

And, the documents show, Western banks started to back away. Regulators globally had been cracking down on financial institutions that didn’t carefully vet public officials and those connected to them. Banks and financial regulators consider these clients, known as “politically exposed persons,” or PEPs, as money laundering risks.

In 2012, Citigroup Global Markets Limited abruptly abandoned an investment deal linked to dos Santos; the banking giant later paid $15 million as part of a confidential settlement. Barclays Bank bailed on a similar deal a year later. Both banks were responding to concerns about the company’s shareholders, including Sonangol and Exem Energy, documents show.

Emails show that the dos Santos financial team struggled to find banks to handle her growing business.

“I’m a bit concerned on the Deutsche,” wrote Konema Mwenenge, one of Dokolo’s closest advisers, referring to Deutsche Bank. “Sindika had accounts with Deutsche in the past and [they] were closed. They also blocked some of his payments when they acted as correspondent banks for several beneficiaries.”

Dutch trust company Intertrust and ING bank closed accounts of dos Santos and Dokolo-linked companies that invested in Galp.

One dos Santos business manager told another in an email that one bank had said Dutch authorities were scrutinizing her companies and imposing “extremely complex diligence” requirements.

One dos Santos executive complained to another that Spanish banking giant Banco Santander “ran like the devil from the cross” because of her status as a politically exposed person.

In September 2013, dos Santos’ reputation took a big public hit. In an article written by Kerry A. Dolan, a staff writer, and Rafael Marques, a journalist and activist, Forbes magazine reported that dos Santos had exploited her status as Angola’s first daughter on her way to amassing a fortune that the magazine then put at $3 billion.

“As best as we can trace,” the story said, “every major Angolan investment held by Dos Santos stems either from taking a chunk of a company that wants to do business in the country or from a stroke of the president’s pen that cut her into the action.”

To counter bad news, dos Santos hired Portugal’s best-known public relations consultant, Luis Paixão Martins and his firm, LPM Communication, which specialized in what it called “online reputation management,” “storyselling” and “media coaching.”

PR operatives touted dos Santos’ business and philanthropic achievements. Dos Santos granted interviews and began to appear on panels at high-profile corporate events.

In 2015, she opened an Instagram account that would soon become her online calling card and now reaches 187,000 followers with snippets of news and homespun wisdom. That July, she posted about her latest business, a shopping mall set to open in a Luanda suburb, and said it would create 600 new jobs. She added:

“Work 😀 and build…this is how dreams are realized 😉👍.”

View this post on Instagram

Trabalhar 😀 e construir…assim são realizados os sonhos😉👍🏽

A post shared by Isabel Dos Santos (@isabel_dos_santos.me) on Jul 26, 2015 at 6:02pm PDT

Banks back away

As dos Santos sought to repair her reputation, the dispute with the dissident Unitel shareholder flared into the open.

PT Ventures filed an arbitration complaint with the International Chamber of Commerce in Paris, alleging that Unitel’s Angolan shareholders had wrongly withheld board seats and dividends. It also alleged that hundreds of millions in loans made to the dos Santos Dutch shell company were part of a “scheme to loot Unitel of its assets … for the benefit of Isabel dos Santos, the daughter of Angola’s President.”

Luanda Leaks documents show dos Santos signed off on the disputed loans as both borrower and the lender.

One document from Luanda Leaks showing Isabel dos Santos’ signature as the lender and borrower.

Unitel couldn’t show proof that its board had approved the loans. Dos Santos’ company denied the looting allegations and said all decisions were made in “the best interests of Unitel.”

Increasingly excluded from the mainstream Western financial world, the dos Santos empire needed capital. Defiant, dos Santos blamed anti-African bias and vowed to build “a true African network” of banks as an alternative.

“Africa has been cut out from financial institutions,” dos Santos told business students in London in 2017. “There’s a lot of discrimination,” she said. “We have taken upon ourselves to build these banks.”

She increasingly leaned on her African network, including Banco BIC Cabo Verde. The bank, which she part-owned, helped her businesses move huge sums – and saw profits skyrocket. From 2013 to 2017, the bank turned a 1.7 million euro ($2.3 million) loss into a 12.9 million euro ($15.5 million) profit, according to ICIJ partner Finance Uncovered.

In Europe, dos Santos relied on the last bank that remained friendly to her businesses: Banco BIC Portugues (now EuroBic), in which she owned nearly half of the shares.

The bank’s then-chairman, Fernando Teles, was a dos Santos business partner.

When dos Santos’ husband inquired about an $11.9 million loan for his de Grisogono jewelry business, Mario Silva, the couple’s business manager, confirmed that the financing would be provided. He said Teles could greenlight more bank loans. Teles did not respond to requests for comment.

Eventually, Banco BIC, too, came under government scrutiny.

In 2015, Portuguese central bank regulators had begun investigating allegations of self-dealing along with hundreds of “high-risk’’ transactions at Banco BIC, some involving dos Santos, according to a confidential central bank report, obtained by ICIJ’s Portuguese partner Expresso.

The regulators probed lax anti-money-laundering procedures, inadequate due diligence on politically exposed people — including dos Santos, her husband and her mother — and the preferential $11.9 million loan to Dokolo for de Grisogono.

They found that the bank had failed to monitor multimillion-dollar transfers out of Angola to European-based companies linked to dos Santos, her husband and associates.

“The bank’s internal control system is INEXISTENT,” the report concluded.

Neither dos Santos nor anyone else was ever charged with wrongdoing. In a statement to ICIJ, a spokesman for the central bank, Banco de Portugal, said regulators ordered Banco BIC to tighten procedures.

In a recent interview with a Portuguese news organization, dos Santos criticized media coverage of the bank inquiry and said she was a victim of “sensationalism.”

“There’s nothing in the report that mentions me,” she said.

From crisis, an opportunity

The 2014 collapse of world oil prices sparked Angola’s biggest economic crisis in decades. As the months dragged on, trash piled up in the streets of Luanda. Public hospitals ran out of syringes and antimalarial drugs. Women gave birth by cell phone flashlight.

Angola had used oil as collateral for loans from China to build roads and dams. Now it could no longer pay its debts, and Beijing wasn’t happy. Neither were Chevron, ExxonMobil and Total, which were also owed hundreds of millions of dollars.

In the past, Sonangol had come to the rescue. But costs at Angola’s state oil monopoly had ballooned during the flush years. Now it was going broke.

Amid the bad news, dos Santos companies found opportunity.

On Sept. 16, 2015, nothing less than the future of Sonangol was on the agenda at a meeting Isabel dos Santos attended with Alexandre Gorito, a Luanda-based senior partner at U.S. consulting giant Boston Consulting Group.

Boston Consulting, hired by dos Santos advisers, pitched a 52-page plan to rescue the state oil company. Working with the Lisbon-based law firm Vieira de Almeida, Boston Consulting would seek to amend government rules and laws as part of a restructuring to increase Sonangol’s efficiency, Luanda Leaks documents show.

The plan included a leading role for a Maltese company, Wise Intelligence Solutions. Its only shareholders were dos Santos and her husband.

The consultants and lawyers also revised a draft presidential decree creating a special government commission to oversee the Sonangol overhaul.

One month later, President dos Santos issued the decree forming the special commission. The Ministry of Finance gave Wise a $9.3 million contract to advise the panel. Wise wouldn’t work alone. One of the company’s accountants told dos Santos’ financial advisors in an email he believed Wise did “not have the human resources and specific know-how” to deliver without subcontractors.

Wise would go on to hire Boston Consulting, along with PwC.

Dos Santos later said the Angolan government asked for her help because she had international private-sector experience. The Western firms she brought in, she said, were “advisers that had worked with me in the past and that I trusted.”

Under the contract, Boston Consulting would propose a new operating model for the oil company.

Boston Consulting received $3.7 million from Wise, the leaked records show. PwC was paid $273,000 and Vieira de Almeida lawyers at least $490,000. It’s unclear how much Wise kept.

Vieira de Almeida spokeswoman Matilde Horta e Costa told ICIJ that the law firm “takes its client intake and risk management procedures very seriously” and never advised dos Santos as an individual client.

Boston Consulting spokeswoman Nidhi Sinha told The New York Times, an ICIJ partner, that in Angola the firm “reviewed the payment structures and contracts … to ensure compliance with established policies and avoid corruption and other risks.”

Grand vision

After 35 years in power, President dos Santos signaled that he would soon step down.

The global oil slump and ensuing economic free fall had led to a spiral of public protests, government repression and violence.

With retirement looming, the president made bold moves that would benefit his daughter.

His administration awarded an array of public works contracts, saying it hoped to boost employment and put money in the pockets of Angolans.

ICIJ’s reporting shows, however, that some of the main beneficiaries were Isabel dos Santos’ businesses or the large or politically connected firms and banks operating with her.

In October 2015, the president officially authorized the redevelopment project he had approved one month before the Areia Branca evictions. The green light came in a presidential decree that, ICIJ documents show, his daughter’s lawyers in Portugal had helped to draft.

An email from Isabel dos Santos’ lawyers, with a draft of the presidential decree attached.

For the road work, documents sent to her personal email account show, dos Santos reviewed bids from two Portuguese construction firms and a higher quote from a Chinese state-owned construction firm, China Road and Bridge Corp. One month later, the general director of dos Santos’ construction and development company, Landscape, announced that China Road had won the job with a bid $50 million higher than the lowest bid. The Chinese company provided good financing prospects from the superpower’s trade agency, according to internal emails justifying the choice.

China Road was a favored contracting partner of the Angolan government. At the time dos Santos’ company chose China Road as a business partner, it was barred from participating in any project financed by the World Bank following allegations that the company engaged in “fraudulent practices” on road construction deals in the Philippines. China Road told ICIJ the company complies with the law and opposes all forms of corruption.

When a lawyer for the cash-strapped Ministry of Finance (MoF) said it couldn’t afford to cover a $232.5 million budget overrun on the project, Isabel dos Santos dealt with it personally, records show.

Replying to her project coordinator on her iPhone 30 minutes after receiving news of the possible snag, dos Santos wrote: “I don’t think it’s a problem, because we’ll talk to the MoF right away.” She would help the ministry fill the multimillion-dollar hole by spearheading a consortium of local banks or identifying other sources of funds, dos Santos wrote.

A Dutch trade agency agreed to provide credit insurance for the dredging and land reclamation part of the work, and the $1.3 billion job went forward. Urbinveste and another dos Santos company, Landscape, stood to receive about $531 million, more than 40% of the total spending. Some of that money was to be distributed to subcontractors, and it isn’t clear how much Urbinveste and Landscape ultimately collected.

Dos Santos said in the BBC interview that she didn’t profit from the deal.

Leen Paape, a corporate governance professor at Nyenrode Business University in the Netherlands, examined Luanda Leaks records at the request of ICIJ partner, Trouw.

Urbinveste’s budget contained red flags, Paape said, including $100 million earmarked for project management and other unspecified costs. Such a large amount for project management, he said, “is not normal.”

The redevelopment plan quickly ran aground. Today, the site of the former Areia Branca community is an empty spit of sand dotted with grass and scrub trees. Many former Areia Branca residents live less than 200 yards away in a slum littered with dead birds and rotting food and swarming with flies and mosquitos. Residents live in small huts of corrugated tin and wood, some sitting atop a mix of sewage sludge and mud that comes in at high tide. Many share beds draped in mosquito nets.

Among them: Talitha Miguel, 41, a teacher and mother of four. On a Sunday afternoon in October 2019, she sat outside her shack with three friends, baking small golden brown cakes for the market amid the sound of radios blaring popular music. Flies hovered around them. Miguel said the pushed-out residents now have no running water and only sporadic electricity. The area periodically floods, and the water surges into their houses with waste from the bay.

“In Areia Branca, life was hard, but we had a fridge, a TV,” Miguel said. The houses were bigger, and they didn’t flood. “We could breathe pure air,” she said. “We stayed in front of the sea. We had trees. We lived healthy.”

A friend in Dubai

In the spring of 2016, dos Santos and Dokolo bought a $35 million yacht, the Hayken, through a shell company in the British Virgin Islands. After its registration with an Isle of Man wealth-management firm, the six-cabin, Dutch-built craft cruised the Mediterranean.

The Hayken was floating near Monaco on June 2 when the news broke: the dos Santos administration had fired the Sonangol board and named the president’s daughter to run the state oil giant, with its annual revenue of nearly $14 billion. Africa’s richest woman was now also one of its most powerful.

Dos Santos later insisted that she was chosen because of her business experience, not family ties. She said her goal was to reform the bloated bureaucracy.

The new administration at Sonangol brought in the same advisers who helped dos Santos land the earlier Sonangol restructuring contract: Boston Consulting, PwC and Vieira de Almeida, the Lisbon law firm. Her administration tapped Sarju Raikundalia, then a senior executive at PwC’s office in Angola, as Sonangol’s chief financial officer. As her stand-in at board meetings, she relied on her top personal financial adviser, Mário Leite da Silva, according to a government document.

Six weeks after dos Santos took charge of Sonangol, a travel agent booked Silva on a trip to Dubai, records show. The skyscraper-filled commercial hub is famous for its tax-free trade zones, financial secrecy and lax enforcement of laws against money laundering. Her lawyer, Jorge Brito Pereira, arranged a trip to Dubai around the same time.

Travel agents reserved luxury hotel accommodations for the two dos Santos confidants under the account of Wise Intelligence Solutions, the Malta company that won the Sonangol restructructuring contract.

Neither Pereira nor Silva responded to requests for comment from ICIJ and its media partners.

Dos Santos kept a Dubai home at the Bulgari Resorts, a high-end complex located on a private island in the Jumeirah Bay area. In corporate papers filed in Malta, attorney Pereira listed the complex as dos Santos’ residential address.

In January 2017, a new consulting firm with ties to dos Santos popped up in an office at the sprawling Jumeirah Lakes Towers nearby. Ironsea Consulting, which would soon be renamed Matter Business Solutions DMCC, had the same sole shareholder, Paula Cristina Fidalgo Carvalho das Neves Oliveira. Silva was a director of Matter, records show.

Oliveira, 48, a Portuguese businesswoman with Angolan and Portuguese addresses, has a background in human-resources consulting. Oliveira and dos Santos had been in business together since 2009, records show. They owned one of the fanciest restaurants in Luanda, called Oon.dah. And they were partners in a company called UCALL, which did employee evaluations for Sonangol.

Through her UK law firm Vardags, Oliveira denied wrongdoing and said that any implication she was “some sort of stooge sitting as proxy for Mrs. dos Santos” is false.

She said dos Santos hired her company to oversee the Sonangol overhaul because of her experience and consulting know-how. Matter coordinated meetings, recruited and managed experts, and made presentations to Sonangol’s board, her lawyers said.

Oliveira said that dos Santos “has no legal or management role in Matter” and that fees were legitimate and properly recorded.

Dos Santos would later say that working 14-hour days, while pregnant, she helped get Sonangol back on solid footing. She improved its bookkeeping system, she said, hired people based on merit, reduced costs and boosted transparency.

Swift exit

From her seat in the VIP section, dos Santos watched as her father, José Eduardo dos Santos, walked a red carpet in Luanda’s Republic Square. In September 2017, he handed over power at the inauguration of his handpicked successor, João Lourenço.

A former defense minister, Lourenço took office with a vow to tackle corruption. The dos Santos era was rapidly coming to a close.

Inside Sonangol, the scramble began.

On Nov. 7, 2017, two months after Lourenço’s inauguration, the head of Sonangol’s subsidiary in the United Kingdom learned that she was about to be replaced.

Maria Sandra Lopes Julio, chief of Sonangol’s UK unit, said she was sitting in her office when Sonangol’s CFO, Raikundalia, walked in.

“He began by informing me that the Board of Directors of Sonangol EP had decided on my resignation, as part of the ongoing transformation process, and that I would be replaced by Mrs. Maria Rodrigues,” Julio wrote in a five-page letter to Angola’s petroleum minister.

Julio wrote that Raikundalia told her that she wasn’t being terminated for incompetence. In fact, he praised her performance.

“I couldn’t help but be amazed,” Julio wrote.

Three days after Julio’s dismissal, Sonangol signed a contract for consulting services with Matter Business Solutions, the Dubai company owned by dos Santos’ business partner, Paula Oliveira. Signing for Sonangol: The new U.K. chief, Rodrigues. Oliveira signed for Matter.

The signatures cleared the way for a massive payment to the consulting firm in Dubai.

In a telephone interview, Rodrigues told ICIJ that she had worked at Sonangol since the early 2000s. Her brother married, then divorced, a sister of José Eduardo dos Santos before he became president.

Rodrigues said that she remembers signing only one document during her short stint as Sonangol’s U.K. chief, though she doesn’t recall the subject, and that Sonangol CFO Raikundalia brought the document to London and asked her to sign. Rodrigues said she doesn’t know Oliveira.

The contract stipulated that Sonangol would pay for past and future services provided by Matter.

Five days later, on Nov. 15, 2017, President Lourenço fired Isabel dos Santos as head of Sonangol.

The Angolan news agency reported the firing on a Wednesday at 1.31 p.m. At 6:30 pm that same day, Sonangol asked its Portuguese bankers to pay $38 million to the bank account of Matter Business Solutions. The transaction details appear on a payment order shared by dos Santos with the news agency Lusa. Dos Santos said she approved the transfer order before her dismissal.

Oliveira said the last minute invoicing was an attempt to have accounts settled, “once Matter discovered what had happened regarding Ms. dos Santos, coupled with cash-flow issues that were occurring at Sonangol.”

In all, confidential Songangol records reviewed by ICIJ show, the oil company’s bank executed three payments worth about $58 million to Mattter Business Solutions on the day after the president announced her dismissal, Nov. 16.

Dos Santos said she approved the transfer of $38 million to the bank account of Matter Business Solutions before her dismissal from Sonangol.

Three months later, dos Santos’ successor at Sonangol, Carlos Saturnino, held a five-hour press conference and accused her of mismanagement. He said her tenure, which lasted less than 18 months, had been marked by improper business practices — including excessive compensation, conflict of interest, tax avoidance and an excessive number of consultants.

Saturnino alleged that dos Santos had approved upward of $135 million in consulting fees, with most of those fees going to the Dubai consulting company.

He identified 13 companies that had been paid for consulting services, including five with ties to dos Santos. Four others were her trusted advisers: the Lisbon law firm Vieira de Almeida and the global consulting giants PwC, Boston Consulting and McKinsey & Company.

Saturnino didn’t respond to repeated requests for comment by ICIJ and partners.

Dos Santos said in a recent interview that the payments were for legitimate services that consultants had already delivered.

She also offered a detailed response in a 10-page letter to Saturnino. Dos Santos wrote that when she was still head of Sonangol, its board approved the contract to the Dubai company, Matter Business Solutions.

Matter Business had been responsible for managing consultants for the Sonangol restructuring, she said, adding that she had no connection to the firm. Dos Santos said she abstained from voting on the contract “to ensure no conflict of interest.”

Through her lawyers, Oliveira told ICIJ that dos Santos “has no legal or management role in Matter whatsoever” and that she is not an owner.

“The fees paid to Matter for their consultancy services were legitimately occurred and fully recorded in Matter’s audited account,” the lawyers said. “Any allegations that Matter or Ironsea were involved in (or set up to facilitate) the embezzlement of funds from Sonangol is patently false.”

In the weeks and months after the firing, dos Santos proclaimed her innocence on Twitter and Instagram. She denied ever engaging in favoritism or receiving improper payments.

“It’s nothing but a circus, a performance,” she said in the interview with the Lusa news agency.

She dismissed unflattering stories as “fake news,” called billing allegations unfounded and blamed her predecessor at Sonangol for overspending.

“I like to think that I have responsibility for the breadwinners of many families,” she said. “We worked at Sonangol with a sense of mission, with a spirit to save the company, and we did it.”

In March 2018, Angolan prosecutors opened a preliminary probe, and a court issued a summons for dos Santos to appear for questioning in July.

She didn’t appear. She claims she didn’t receive the request.

Under siege

Dos Santos’ entire business empire was under siege. The arbitration panel at the International Chamber of Commerce ordered Unitel, which she co-owned with Sonangol, to pay its Portuguese shareholder, PT Ventures, more than $650 million for breach of contract. Her lawyers told ICIJ that the arbitration court found the controversial loans to her shell company caused “no damage.” The ruling is confidential.

President Lourenço canceled her public works contracts, including the Luanda redevelopment plan. Angolan authorities said they uncovered overpayments and other irregularities such as phony invoices, noncompetitive bidding and improper subcontracting.

Angola’s state diamond-trading company severed ties to dos Santos, and her diamond exploration licences were revoked. The head of the state diamond company, Eugénio Pereira Bravo da Rosa, told ICIJ partners that its investment in Dokolo’s luxury jewelry business was a financial disaster. The company expects losses on the deal to exceed $200 million, Bravo da Rosa said.

Pressed by ICIJ, Angolan officials last month released more than 400 pages of documents from Sonangol about dos Santos’ business activities, including emails and financial records and invoices submitted by Matter Business.

In responses through lawyers, dos Santos questioned the veracity of documents ICIJ reviewed.

Last year, the day before Christmas, dos Santos said, she got news from a group on WhatsApp. A court in Angola had frozen her personal bank accounts, those of her husband and her stakes in some of the country’s largest companies, including phone provider Unitel.

An Angolan walks by the a shopping mall with a Unitel advertisement in Angola.

The government said the couple and Silva, the financial adviser, were suspected of causing Angola to lose more than $1 billion through business deals gone awry. According to investigators, Portuguese police intercepted $11 million that dos Santos tried to transfer to Russia.

Dos Santos called the allegations false and vowed a legal fight.

Angolan prosecutors say they are collaborating with authorities in the U.S., U.K., Switzerland, Brazil, Portugal and Congo. They say the intricacy of dos Santos’ shell empire is making the job difficult. So far, they have uncovered 31 companies with links to dos Santos outside Angola, prosecutors said.

ICIJ found many more. Since 1992, dos Santos and her husband have created or invested in at least 400 companies and subsidiaries in 41 countries, an ICIJ review found. Ninety four of these companies are registered in secrecy jurisdictions, including Dubai, Mauritius and the British Virgin Islands, ICIJ found.

‘It’s Armageddon’

Many companies and executives who did business with dos Santos declined to say anything about their relationships with her.

After receiving detailed questions from ICIJ and its partner the BBC, accounting giant PwC said it planned to terminate its relationship with dos Santos family businesses.

Van Oord said it learned of the 2013 evictions only after questions from ICIJ partners Trouw and Het Financieele Dagblad. The families were removed before the company’s involvement in the project. It promised to “use its leverage” with the Angolan government and contractors to ensure compensation.

Angolan authorities have identified only Isabel dos Santos, her husband and Silva as criminal suspects.

In an unrelated case, her brother, José Filomeno dos Santos, is accused of helping transfer $500 million from Angola’s sovereign wealth fund to the U.K. The Angolan parliament recently voted to impeach Isabel dos Santos’ half-sister Welwitschea dos Santos.

In voicemail messages left with an ICIJ reporter, Welwitschea dos Santos denied any financial link to Isabel or her father. She accused President Lourenço of getting her kicked out of Parliament, and she has appealed the decision. “I believe none of the sides are right,” she said.

José Filomeno de Sousa did not respond to a letter seeking comment, nor did Isabel dos Santos’ top lieutenant, Silva. Her lawyer, Brito Pereira, also didn’t respond.

Her husband, Dokolo, denied using offshore entities to improperly avoid taxation. He blamed the new government for his and his wife’s problems.

Dokolo said through his lawyer the couple had been the victim of a hacking attack and that ICIJ’s questions may be based on forged documents.

“It’s Armageddon,” Dokolo told Radio France Internationale. “The regime claims to act in the name of the fight against corruption, but it does not attack the agents of public companies accused of embezzlement, just a family operating in the private sector,” he said.

No Western company has been accused of any wrongdoing in the Angolan government’s investigation. Isabel dos Santos’ father has also not been named.

The current president, João Lourenço, did not respond to allegations that he is conducting a “witch hunt” against the dos Santos family. Lourenço also did not comment on criticisms that his administration hasn’t done enough to fight corruption.

Isabel dos Santos continues to insist that she made all her money during her father’s rule solely by “taking risks and hard work.”

President Lourenço’s government, she says, is seeking to undermine “the legacy of President dos Santos and what he has achieved.”

“There is an orchestrated attack by the current government that is completely politically motivated,” she said in the BBC interview.

The family says it no longer feels at home in Angola. José Eduardo dos Santos lives in a heavily guarded, walled compound in an upscale neighborhood of Barcelona. Isabel has moved back to London, where her children attend school.

Dos Santos says that she can’t go back because she fears for her safety and that she remains committed to Angola. In interviews with British and Portuguese media outlets, she emphasized that her companies are among the country’s biggest taxpayers and employ thousands. She told Bloomberg News that she worries the asset freeze could doom her companies.

Until her recent legal struggles, dos Santos often shuttled between Lisbon and London while attending conferences in New York, Russia and China.

This month, dos Santos was scheduled to attend a gathering of the global elite, the World Economic Forum at Davos, Switzerland. Unitel is a partner.

Last week, the Forum said she would not be attending.

How Africa’s richest woman exploited family ties, shell companies and inside deals to build an empire She spun a story the world wanted to believe: a self-made billionaire who had risen in a male-dominated business world in an African country ravaged by…

#BBC Africa #civil war #ICIJ #netherlands #poverty #PREMIUM TIMES #Protect Whistleblowers #Radio France Internationale #Sonangol Group #Stanford University #the businesswoman

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