I was born in Rotterdam, Holland in 1950, dad was a Sea Captain and Commodore of the Texaco Fleet and met my mother in Holland. I am very proud of both countries.
I have taken various banking examinations Financial Adviser ( CeFA ) and Mortgage Broker ( CeMAP )
I also hold a legal qualification from Cardiff University ( CePSR )
I am also a qualified Energy Assessor ( Dip DEA ) via the BRE ( British Research Establishment )