I am pretty sure he was already in very bad financial conditions at the time he asked for the money (in fact, right at the start of the project).
This statement is based on the following:
1. In a meeting at his office I have seen unpaid bills (not sure is these were company bills or personal) which were clearly "final reminders" of him needing to pay.
2. I have later found out that at least two of the builders working for him had not been paid, and I also heard that he owed money to various suppliers. However, I have no evidence for this.
3. After one of our payments in went "on holiday" in Cornwall, for a week during a May bank holiday, if I remember correctly.
I have no factual evidence for 1-2-3 but if an investigation was made which looked at the company and his own bank accounts, I believe it would be very easy to find evidence for this.
We have reported this to "Action Fraud" and have a crime reference number, but I don't know if this will be followed on. I have only completed the form online. I have mentioned the evidence that I have but I have not been able to upload any of this.
With regards XXXXX XXXXX assetts, he has a car and I assume he has a house, weather these are under his name or at somebodyelse's name (say, his wife's), I am not sure.
One thing is getting the money back, which I don't know if we ever will. But one other important aspect for us is making sure he does not walk off from this completely unpunished and able to do the same to other people... I would be happy with his criminal record being affected