When Ryan Johnson invested his life savings three years ago, he was promised fail-safe returns of at least 7pc a month, tax free, on any investment above £6,000. At the time, Mr Johnson, now 40, was working as an offshore diver in the oil and gas industry. He had been told about a currency investment scheme through two work colleagues who had boasted about their own high returns. It seemed like a lucrative alternative to leaving the money sitting in the bank – so the father of one invested £50,000 with Halibell Limited, based in Whitford, Wales. But in 2012, Mr Johnson got a phone call no investor wants to hear. He ... (full story)