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.
Ms J.B. writes: I am sending you a letter I received from Ruby Creek Gold in the US about reimbursement for investments made through Heritage Fine Assets. I am assuming it is another scam, even though I would like to believe it.
Don't believe it. It really is another scam. What you have received is the start of a so-called 'recovery room' fraud, run by crooks who promise you will recover earlier losses, but end up cheating you out of more money.