Actaully I don't mind going first.....

1 I have never borrowed from NZF or applied to do so.
2 I have held shares in NZF on several occasions but currently have no shares or notes.
3 IMO I have always advised people not to listen to the directors but gather the facts from S&P, Covenant and auditors and now the receivers. In hind sight this has been spot on. For a company that builds their reputation as being different from all the failed finance companies they have proved to be just the same, it just took a little longer.

I hate seeing people getting scewed over and everyone here has (debenture holders, shareholders and note holders) whilst NZF continues painting a rosy picture.

Anyway, your turn now Invessi.