More exciting revelations abound as we look into some of the earliest frauds perpetrated by the Cheshire Charlatan.

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Before we start pulling at the threads of his latest lies and start watching them unravel faster than a pair of poundshop pants, you may have missed that his misconduct hearing has been scheduled for Wednesday 28^th February 2024. This revelation came out late Friday evening with only 4 days notice. In a weird and totally unconnected coincidence, this standard late Friday evening press release was only hours after news of his mortgage fraud and investigation by lenders surfaced and started being talked about in the public domain.

The decision was made to exclude the public from the hearing, hide much of the content and put reporting restrictions on matters, to prevent the tax paying public who have funded his salary of £452.05 that he clocks up every day, from having any visibility or knowledge of matters. When he is finally forced to provide answers over his many many lies, 152 days will have passed since this matter was first revealed in the press on 29^th September 2023. This meaning he will have clocked up £68,711.60 in gross salary, money that could have been better spent by sacking him on the spot, given the sheer volume of evidence providing his dishonesty.

With everything costing more, feeling like there is never any money left to treat yourself to the smallest of luxuries, local residents of Northants would rightly feel angered that the Council Tax (recently increased again by Stephen Mold for Police funding) is being used to swell the bank balance of a criminal. If your house gets burgled and your possessions stolen, you rightly expect the thief to return what they took, it should be no different for Adderley who stole from the taxpayer with impunity for years.

There is no valid reason why Nick Adderley should be allowed keep his taxpayer funded pension as a reward for lying all of these years.

If you do feel strongly about matters, then at the risk of sounding like a broken record, if you do nothing else today, please spare 30 seconds to sign and share the petition link below.

https://www.change.org/p/remove-nick-adderley-as-chief-constable-of-northamptonshire

By signing the petition, you make it clear that we will NOT sit by and allow a cover up by his mates, allowing him to just retire and live off his ill-gotten gains without any real punishment.

With that bit of housekeeping taken care of, let’s take another deep dive into more of this bullshitter’s background and look at how his lies about his career and address history, helped him swindle, not 1, not 2, but 3 different mortgage lenders into getting a set of houses that he sold in 2021 for £740,000, netting a tidy profit of a little under half a million quid, all through lying and covering up his murky past.

Cue marimba music and wavy lines as we travel back in time. It’s the early 90s, having only recently lied to get into Cheshire Constabulary by claiming to have just left the Royal Navy after 10 years’ service and adding 3 years to his age, seeing how easy it was to get away with, Nautical Nick’s greed grew and he wondered who else could he hoodwink with his fantasy Falklands background.

January 1994

Having just ditched his first wife and got his very first decree nisi to start off his collection, Nautical Nick turned his attention to pulling the wool over the eyes of the Woolwich.

Full details of the lies he told to the Woolwich and other lenders will be explored in part 2

He moved in with what would become wife number 2, marrying her a few years later in 1998, however her name never actually features as an account holder on any of the paperwork for the property. Her signature at the bottom is little more than decoration, adding nothing to the legality of the deed, having all the legal relevance of a coffee stain or the obligatory squiggle of ink when trying to get a pen to work.

The mortgagor(s) section at the top is who the funds are going to and who will become the legal owner, and this is very clearly in just one person’s name, specifically The Walt of Wootton Hall.

We can only speculate on why Mrs Adderley the 2^nd was signing her details at the bottom of a form, details that added no value to matters on a transaction she was not a party to. The unanimous opinions from my former colleagues in conveyancing, is that she was unaware how it was the position of her name on the form that played quite a crucial part in claiming any stake to the property, and that she honestly believed by signing and having her name on this deed, meant this was a joint mortgage.

In hindsight, knowing what we know now, I think we can all agree that when it comes to trusting Nick Adderley, you’d have more faith in giving Jimmy Savile a cloak of invisibility and the caretaker keys to Hogwarts for the weekend, than you would in putting any serious stock in anything Adderley said or did.

January 2003

Jump forward the thick end of a decade to 2003. This was quite an interesting year for Adderley, firstly as Peter Fahy took over as Chief Constable in January 2003, selecting Adderley for the job of his staff officer, a role he stayed in for 2 years.

Adderley would then have you believe that after 2 years with Peter Fahy, he travelled back in time to 2002 to undertake a secondment role at the Home Office, where he would play a crucial role in The Soham Murders.

You can read all about those lies in the previous deep dive we did here

2003 was also an interesting year as Mrs Adderley the 2^nd was in the news in December 2003 regarding a court case for covering up a drink driving incident of a colleague, something she was later cleared of. The focus of the article is not the court case, but rather that in December 2003 she is still listed as Mrs Adderley and still listed as living at the Chester Road home.

Having jumped to the end of 2003, we now wind the clock back 12 months to the start of the year. With no outward information indicating that a separation is on the cards and after hoodwinking the Woolwich, Adderley turned his attention to The Abbey.

Any fraudster worth their salt, knows that to clean their dirty money, they need to create a new clean audit trail, in order to put enough clear blue water between the original deception and the here and now.

To achieve this required step, Adderley remortgaged, this time with The Abbey in January 2003, again in his sole name, not even bothering to go to the effort of trying to dupe Mrs Adderley the 2^nd this time, with her name not featuring anywhere. At face value this all looks legit and not worthy of any attention.

When you look at who witnessed the mortgage deed though, this was the woman who would go on to become Mrs Adderley the 3^rd.

Mrs Adderley the 2^nd got divorced from Nautical Nick in January 2005 after 7 years. With having no stake in the house and the level of planning and forethought of Nick & his itch to release equity from the property through a remortgage before kicking her out, I cannot imagine Mrs Adderley the 2^nd walked away from the deal better off.

This shows character of the man, carefully planning to shaft his current wife long before the marriage has ended, keeping both a mistress and his ill-gotten gains all to himself.

Now to be totally even handed, there is nothing illegal about engaging in adultery, nor getting your mistress to act as a witness on a remortgage & equity release to help you shaft your current wife out of any divorce settlement.

There is also nothing illegal about the witness to a mortgage deed, later going on to have ownership and financial interest in the same property. Seeing the same name may raise some eyebrows with the same lender and raise questions, with more checks needing to be done to ensure no conflict of interests, but on the face of it, the mistress acting as a witness is not illegal.

What does stray into illegality is if the information they are signing their name to as a witness, turns out to be an altogether false representation and results in the person telling the lies, obtaining a direct financial advantage. This was specifically covered when The Fraud Act 2006 gained royal ascent.

False information could be someone using different dates of birth to create a whole new ID to gain employment and credit, rather than their own genuine details that might bring up their genuine background and reason why they were forced to leave the Navy.

The false information could also amount to using signatures of another person that do not match their own signatures on their genuine ID documents, such as drivers licence, passport or s.459 form, but instead relate to the false ID they have created and prior false mortgage deeds they are using to build a genuine transaction history on.

With those things in mind, when someone signs as a witness, using their job as a Police Officer to carry weight that it is all above board when it blatantly is not, and that person then goes on to have a financial interest in the property and sell it in 2021 for a very tidy profit, you can start to look back through matters, and question if their motives were pure and honest.

What is quite apparent is that for Adderley to pull off the Falklands fraud, using his own genuine date of birth of 20^th September 1966 would instantly expose this by anyone able to quickly do the maths on this, realising that he was still 15 at the time of the war in 1982.

This could be overlooked by not having immediate knowledge of the exact dates of the conflict, but having joined the Police in February 1992 at only 25 years old and claiming to have over 10 years career experience in the Navy prior to this instantly make this an impossibility. This is something that has been harped on about a lot, but really is crucial as the PFCC Stephen Mold and his colleagues who sat on Adderley’s interview panel, make grandiose claims about how they scrutinise potential candidates, but fail at basic maths.

The recent Police Crime Panel, Mold doesn’t do well in the spotlight of angry voters, spluttering and mumbling his way through, going on about a “robust” recruitment process for the role of fire chief Nikki Watson.

Nikki Watson is someone who shares not only a similar name with Nick Adderley, but also a similar background, being that she has also been under IOPC investigation since 2023, something Mold only felt necessary to tell the panel earlier this month after realising that the press were not going to let him sit on this.

Full credit to Sarah Ward of NNJournal for their great work investigating and making the public aware of the IOPC investigation.

The word “robust” is doing some serious heavy lifting in that display of verbal diarrhoea from Mold, as anyone who thinks a 25 year old can have over 10 years career experience is seriously lacking in basic cognitive functions, to the level where you half expect Mold turning up to one of the next PCP meetings, extoling his business acumen in having sold off Wootton Hall, proudly brandishing to the panel a handful of magic beans that he was paid.

This could all be excused by the fact that Adderley and his ID fraud, used the same lies to impersonate Rick Adderley and use Rick’s date of birth and genuine service details of October 1963 and getting the Falklands medal to hoodwink Mold, and that Mold failed to do any Developed Vetting checks on Adderley and this is how he got through.

Sadly in June 2017, Mold set up Voice for Victims Limited 10840161 and appointed Adderley as a director in February 2019, a few months after he became Chief Constable. Doing so Mold had to file paperwork with Companies House and had to use Adderley’s genuine date of birth to do so.

This means Mold always knew Adderley’s genuine date of birth and that this did not match the fraudulent details he had used as both documents were available to him and he never raised this issue.

In another weird coincidence, since the Adderley scandal broke, with his multiple dates of birth, pub landlord background becoming news and questions being asked, Mold applied to have this company he ran with Adderley quietly dissolved.

Your choices for why Mold acted as he did are that he is either criminally inept, allowing such a farce to get past him with such ease, or that he was aware of what was going on and happily allowed and facilitated it, contrary to his job obligations and the broader Nolan principles.

Neither of these options paint a positive picture of Mold being in any way suitable to continue in any post in public office.

In Part 2 we will carry on looking into the subsequent mortgages (yes there are a lot more) and look into the varying signatures on the various IDs that Adderley uses.

I am sure Adderley’s loyal followers will be quick to jump on claiming this is a witch-hunt, and there is a valid reason why he uses different signatures and dates of birth that is all just a storm in a teacup.

Some will tell you that Adderley injured his wrist scaling down the balcony, others say that his hand he originally signed documents with was impaled with an arrow, saving the 1^st Duke of Bronte’s other eye during the battle of Trafalgar, forcing Adderley to learn how to write with his opposing hand.

Which one is true? Who is to know, after all Adderley appears to have mastered time travel, so they might all be true.