JK女士寫道：作為黃金的新手投資者，我在2021年以1359英鎊的價格從他們那裡購買了一枚黃金硬幣，從所羅門全球開始。

找出如何联系下面的托尼·赫瑟靈頓。 JK女士寫道：作為黃金的新手投資者，我在2021年以1359英鎊的價格從他們那裡購買了一枚黃金硬幣，從所羅門全球開始。

Tony Hetherington is Financial Mail on Sunday's ace investigator, fighting readers corners, revealing the truth that lies behind closed doors and winning victories for those who have been left out-of-pocket. Find out how to contact him below.

托尼·赫瑟靈頓（Tony Hetherington）是周日王牌調查員的財務郵件，與讀者鬥爭，揭示了閉門造車背後的真相，並為那些被遺棄的人贏得了勝利。找出如何在下面與他聯繫。

Ms J.K. writes: Being a novice investor in gold, I started off by buying one gold coin from Solomon Global in 2021 for £1,359.

JK女士寫道：作為黃金的新手投資者，我從2021年以1,359英鎊的價格從所羅門Global購買一枚黃金硬幣開始。

Last August, seeing how well it had done, I told the firm I wanted to get on to the housing ladder in a year or two. They told me about their buy-back guarantee.

去年八月，我看到了它的表現，我告訴公司我想在一兩年內進入住房梯子。他們告訴我他們的回購保證。

Unless the gold price fell they forecast a gain of up to 24 per cent, so I invested £11,364 in four more coins. Last November, the firm said my £11,364 had grown to £12,115, but when I asked to sell, they offered only £11,595 for all five, which had together cost me £12,723.

除非黃金價格下跌，否則他們預測收益高達24％，因此我在四枚硬幣中投資了11,364英鎊。去年11月，該公司表示，我的11,364英鎊已增長到12,115英鎊，但是當我要求出售時，他們的所有五個人只提供了11,595英鎊，總共花了我12,723英鎊。

Tony Hetherington replies: It would be hard in recent times to invest in gold and fail to make a profit. But Solomon Global did its best to hand you exactly this result. Even your short-term investment several months ago should show a decent profit, with gold up from £1,950 an ounce to about £2,330 when you decided to sell.

托尼·赫瑟靈頓（Tony Hetherington）回答：最近很難投資黃金而無法獲利。但是所羅門·格蘭特（Solomon Global）竭盡全力將這個結果完全交給您。即使是幾個月前您的短期投資也應該顯示出不錯的利潤，當您決定出售時，黃金從每盎司的1,950英鎊增加到約2,330英鎊。

You wanted to buy your first home before stamp duty changes in April land you with a tax bill. But you were shocked to be facing a loss.

您想在四月更換印花稅之前購買第一個房屋。但是您震驚地面對損失。

Priced out: Gold should be a safe investment option – when done properly

定價：黃金應該是一個安全的投資選擇 - 正確完成後

When you asked how this could happen despite rising gold prices, you were told it was because Solomon Global would incur costs to market your coins again. This was not what you were told last November, when its salesman said: 'For your portfolio, I would include coins that are both valuable and easy to sell, allowing the flexibility to concentrate on the property you would like to buy earlier if needed.'

當您詢問儘管黃金價格上漲時可能會發生這種情況時，您被告知這是因為所羅門全球會產生成本以再次銷售您的硬幣。這不是您去年11月的推銷員說：“對於您的投資組合，我將提供既有寶貴且易於銷售的硬幣，從而使靈活性專注於您希望在需要時購買的物業。”

After I contacted Solomon Global, the firm asked you to bring the five coins to its London office. When you arrived, you were asked to send me an email which Solomon Global had helpfully written for you.

在我聯繫所羅門全球之後，該公司要求您將五枚硬幣帶到倫敦辦事處。當您到達時，您被要求向我發送一封電子郵件，所羅門Global為您寫了一封有益的寫作。

In it, you admit that you were 'confused' about the terms on which you bought four 'graded' coins last year.

在其中，您承認您對去年購買的四個“分級”硬幣的條款感到“困惑”。

The email written by Solomon Global for you says: 'I now recall a conversation with them where they explained that graded coins are typically only recommended for those looking to hold for at least four years. This has made me question whether I had fully understood everything from the outset.'

Solomon Global為您撰寫的電子郵件說：“我現在回想起與他們的對話，他們解釋說，通常僅建議那些希望持有至少四年的人。這讓我質疑我是否從一開始就完全了解了一切。

And the email ends by telling me: 'I no longer need any assistance.'

電子郵件結束時告訴我：“我不再需要任何幫助。”

You were embarrassed to have to send me the email, but don't worry! It was so obviously not written by you that it was actually amusing.

您很尷尬地向我發送電子郵件，但請放心！顯然不是您寫的，這實際上很有趣。

Solomon Global refunded the money you invested last year, with no profit, despite the tale that your £11,364 had grown to £12,115.

Solomon Global退款了您去年投資的錢，但沒有利潤，儘管您的故事已經增長了11,364英鎊，達到了12,115英鎊。

And you were given £2,300 for your original 2021 gold coin, allowing you a profit of £941.

您的原始2021金幣給了您2,300英鎊，使您獲得941英鎊的利潤。

If the name Solomon Global rings bells, it is because I reported last year that the Advertising Standards Authority banned one of its adverts for failing to make clear that gold investment was unregulated.

如果Solomon Global Rings Bells這個名字，那是因為我去年報導說，廣告標準管理局禁止其一台廣告，因為他們未能清楚地表明黃金投資不受監管。

I warned that one salesman, who had used several aliases, was a known rip-off merchant named Clive Mongelard who failed to obey a 2020 court order to repay £1.2million to investors he cheated; instead he declared himself bankrupt.

我警告說，一位使用幾個別名的推銷員是一位名叫克萊夫·蒙格拉德（Clive Mongelard）的搶劫商人，他未能服從2020年法院命令，向他作弊的投資者償還120萬英鎊；相反，他宣布自己破產。

And the email that Solomon Global drafted for you was prepared by owner, Scott Wilson, who is really Scott Assemakis, whose record includes an 11-year ban on running a limited company, imposed in 2013 after he played a big role in a £7 million land investment scam. Against this background, I'm pleased that you emerged with a modest profit.

所有者斯科特·威爾遜（Scott Wilson）確實是斯科特彙編（Scott Gaysakis），他的記錄包括一家有限公司的一家有限公司，他在2013年強加了一家限量公司，他在700萬英鎊的土地投資騙局中發揮了重要作用，因此所羅門全球為您起草的電子郵件是由斯科特·威爾遜（Scott Wilson）編寫的。在這種背景下，我很高興您獲得了微不足道的利潤。