A Visit to the Scottish Parliament – Lessons in Democratic Norms

Dear Readers,

Peace be on you all,

In this post I’m sharing a fantastic experience of witnessing a true modern  democracy at work during my visit to the Scottish Parliament. When I reached, there were a couple of small protests going on right in front of the main entrance of the Parliament.

With people protesting outside, the parliamentarians kept addressing the issues inside in the debating chamber in front of their electorate. The openness, transparency & accountability while giving respect to the voices of the voters, is how it is supposed to be.

Giving respect to the masses while holding the representatives accountable is the true essence of a real democratic system.

It is a lesson for countries all over the world. What’s worth mentioning here is that although Romans had a semi-democratic setup, that was largely selective. The first model of a true modern democratic setup was established by Prophet Muhammad PBUH in the state of Medina.

Let’s hope we get to see further improvements in democratic setup of Scotland and the rest of the world.  I’ll now sign off by sharing that the Scottish people are very friendly and have a good-nature.

Enjoy the pictures below and see you here soon with the next blog post.

 

Announcement of Exceptional Public Value Award by ACCA

Dear Readers,

Peace be on you!

It’s with extreme pleasure that I announce that the prestigious Exceptional Public Value Award is to be awarded to myself by Ms. Helen Brand, OBE, CEO ACCA (the largest accountancy body globally). I’ll share the details with you after receiving the award, Insha Allah.

I’m honored by this privilege and grateful to ACCA for the recognition of my:

“contributions in the field of Budget and Taxation including but not limited to

  • the drafting of Anti-Graft Legislation focused on Undisclosed Foreign Income & Assets which was later adopted by the Treasury,
  • work done on the Regional Research Study on Indirect Taxation across South Asia and UAE,
  • MOU’s with Tax Bars,
  • Collaborations with Chambers of Commerce and Tax Bars,
  • Pre & Post Budget proposals and seminars,
  • continued member education events particularly on Taxation and
  • opportunities created through R&I sessions with key employers.”

Last but not the least, I’m thankful to you all for your support and prayers particularly my parents, siblings, mentors, colleagues and friends.

acca-exceptional-public-value-award

Regards,

Omer Zaheer Meer

Formal Launch of My Youtube Channel

Dear Readers and Friends,

Assalam O Alikum! (Peace be on you),

The constant suggestion by many of you to launch a formal Youtube channel covering my key public and/or professional engagements with a dimension of educating and enlightening has been turned into a reality.

It is with pleasure that I announce on this auspicious day of Friday that my team has successfully launched the same. The channel can be accessed at:

There are already some very interesting videos covering some of the key current issues and opportunities such as Immovable Property Taxation Issues, CPEC, Budget Proposals, Finance Act, e.t.c.

We aim to constantly update our channel with valuable knowledge sharing videos. Your feedback and appreciation would be the fuel to keep us going in this effort. I hope you find this useful and wish you all the best in your lives and careers.

Take Care,

Omer

Omer Zaheer Meer FCCA, CFA, AML Expert- Profile for MNP Elections 2016

Dear Reader,

Salam,

May this writeup find you in the best of spirits.

Professional Intro:

You may have already read my general professional introduction. If you haven’t please have a look at:

https://omerzaheermeer.wordpress.com/about/

Major Endeavors/Achievements for ACCA Community:

This is however to briefly introduce some of the brilliant endeavors undertaken for the development of ACCA community and thereby the accountancy profession in Pakistan.

  • Conducted and proposed CPDs particularly focused on taxation and local corporate laws to equip the members, affiliates and students with necessary technical skills in this extremely important area. (View Details )
  • Conducted almost all the taxation CPDs and one-third of the total CPDs for ACCA fraternity.
  • They’ve been phenomenally successful within the ACCA community and well received by the members of other accountancy bodies too, which in itself speaks of the top quality of the offering. The attendees included the top officials of firms, MNCs, businesses and public sector organizations.
  • These trainings have led to a multitude of members getting equipped for and landing job opportunities. The member satisfaction in Pakistan has increased manifolds and the CPD program is taken as a benchmark by the global head office. (View Details)
  • Represented and expedited for ACCA members in Pakistan to formally join the Taxation sector by getting joint events organized between the largest tax bar in Asia, LTBA and ACCA as Chairman Liaison Committee of LTBA.
  • This resulted in increased footprint for ACCA and culminated in an MOU between both bodies signed by ACCA’s Head of Taxation (Global) giving a formal pathway to ACCA members towards the lucrative taxation practice. (View Details)
  • Prior to this achievment, on my return from UK, I became the first ever ACCA to be enrolled as a member of a tax bar in Pakistan. This broke the monopoly of certain accountancy bodies there, created a precedent and opened up doors for ACCA members to join tax bars in Pakistan.
  • Organized collaborations between ACCA and LCCI resulting in ACCA being duly recognized by and included in the committees of LCCI; hence cementing the footprints of ACCA & opening of job opportunities at leading businesses for ACCA members.
  • Represented and/or introduced ACCA at various forums including LCCI, LTBA, MPDD, UET, several think tanks – being on their boards, e.t.c.
  • Moreover, prepared ACCA’s taxation proposals for the joint initiative with LCCI. This was unprecedented as ACCA was the ONLY accountancy body to be involved in this endeavor.
  • Helped organize and represented ACCA at the largest joint pre-budget seminar graced by dignitaries from all major tax bars, chambers, accountancy bodies and even the FBR team. Chairman FBR, the Chief Guest, highly appreciated the ACCA presentation by myself. This led to further enhanced footprint and acceptability of ACCA in Pakistan.  (View Details)
  • Proposed the idea of and assisted in ACCA’s practising liscence program for Pakistan.
  • Became the first ever ACCA practising license holder in Pakistan as a test case to ensure a smooth journey for all ACCA members in Pakistan. (View Details)
  • Similarly, my firm (Millennium Law & Corporate Company) became the Pioneer ACCA practising firm in Pakistan to create a case study for all ACCA members as well as bolstering the ACCA acceptance & footprints amongst professional firms.   (View Details)
  • Mentored a significant number of members, affiliates and students with their professional and personal inquiries, thereby contributing my share in the development of the ACCA community. (View Details)
  • Initiated unprecedented forums for ACCA community to interact with each other and the ACCA officials with ease.
  • Delivered the first ever “Thinking Ahead with ACCA” (a Ted Talk inspired program) on CPEC for enhanced recognition of ACCA in professional circles and increasing awareness of current issues within ACCA community. This is expected to be released soon globally.
  • Chaired ACCA’s Taxation sub-committee and finalized the budget and taxation proposals in an unprecedented manner which will further enhance the recognition of ACCA’s technical prowess amongst the relevant circles.
  • Recognized as a top professional to represent ACCA in the Professional Expert Forum.

These are just a few of the major endeavors, most of which were achieved in a very short span of time without being a part of the MNP.

Recognition by ACCA:

It was followed by few months being an MNP member as ACCA Pakistan in recognition of the outstanding achievements for ACCA community, nominated me as a technocrat member of the MNP. This allowed to further improve the deliverance for the collective benefit of the ACCA community.

Aim:

Therefore as an elected MNP member, I’ll be able to more effectively pursue a lot of positive projects planned for the future, achieving the highest standards of excellence for the benefits of the ACCA community, InshaAllah.

Request for Vote, Support & Campaign:

But this can ONLY be possible with your support and trust. In view of the above, you’re humbly requested for your kind:

  1. vote for my MNP candidature
  2. support by asking your contacts for the same &
  3. campaigning by spreading this message and your recommendation on social media and elsewhere.

Voting Process:

You shall be receiving an email from ACCA soon with the detailed instructions on the voting process.

Contact Details:

Thanks in anticipation of a positive response. Please feel free to contact me as always for any support and suggestions.

Cell:                0322-4219292

Email:             ozmeer@mlcc.pk

myMfb.com:  Omer Zaheer Meer

Twitter:          @Omer Zaheer Meer

Must Read: Malcolm X’s Letter from Makkah

Malcolm KSASource: Malcolm X’s Letter from Makkah (Original post from MyMFB.com)

Malcolm X, or Al-Hajj Malik El-Shabazz, is one Muslim who saw the light of true Islam through his Hajj in April 1964.  As a former member and speaker for the Nation of Islam, a black spiritual and nationalist movement, he believed that the white man was the devil and the black man superior.

After leaving the Nation of Islam in March 1964, he made Hajj, which helped change his perspective on whites and racism completely.

Here is an excerpt of a letter El Hajj Malik El Shabazz wrote a letter to his loyal assistants in Harlem… from his heart, telling them of his experience.  In it, he explains what it was during this blessed journey that made him so profoundly shift his perspective on race and racism.  We should keep in mind that this letter was written in a time when the history of African Americans in America was in making, a time when centuries worth of oppression was being spoken about and condemned in public.

“Never have I witnessed such sincere hospitality and overwhelming spirit of true brotherhood as is practiced by people of all colors and races here in this ancient Holy Land, the home of Abraham, Muhammad and all the other Prophets of the Holy Scriptures.  For the past week, I have been utterly speechless and spellbound by the graciousness I see displayed all around me by people of all colors.

“I have been blessed to visit the Holy City of Mecca, I have made my seven circuits around the Ka’ba, led by a young Mutawaf named Muhammad, I drank water from the well of the Zam Zam.  I ran seven times back and forth between the hills of Mt. Al-Safa and Al Marwah.  I have prayed in the ancient city of Mina, and I have prayed on Mt. Arafat.

“There were tens of thousands of pilgrims, from all over the world.  They were of all colors, from blue-eyed blondes to black-skinned Africans.  But we were all participating in the same ritual, displaying a spirit of unity and brotherhood that my experiences in America had led me to believe never could exist between the white and non-white.

“America needs to understand Islam, because this is the one religion that erases from its society the race problem.  Throughout my travels in the Muslim world, I have met, talked to, and even eaten with people who in America would have been considered white – but the white attitude was removed from their minds by the religion of Islam.  I have never before seen sincere and true brotherhood practiced by all colors together, irrespective of their color.

“You may be shocked by these words coming from me.  But on this pilgrimage, what I have seen, and experienced, has forced me to rearrange much of my thought-patterns previously held, and to toss aside some of my previous conclusions.  This was not too difficult for me.  Despite my firm convictions, I have always been a man who tries to face facts, and to accept the reality of life as new experience and new knowledge unfolds it.  I have always kept an open mind, which is necessary to the flexibility that must go hand in hand with every form of intelligent search for truth.

During the past eleven days here in the Muslim world, I have eaten from the same plate, drunk from the same glass, and slept on the same rug – while praying to the same God – with fellow Muslims, whose eyes were the bluest of blue, whose hair was the blondest of blond, and whose skin was the whitest of white.  And in the words and in the deeds of the white Muslims, I felt the same sincerity that I felt among the black African Muslims of Nigeria, Sudan and Ghana.

“We were truly all the same (brothers) – because their belief in one God had removed the white from their minds, the white from their behavior, and the white from their attitude.

“I could see from this, that perhaps if white Americans could accept the Oneness of God, then perhaps, too, they could accept in reality the Oneness of Man – and cease to measure, and hinder, and harm others in terms of their ‘differences’ in color.

“With racism plaguing America like an incurable cancer, the so-called ‘Christian’ white American heart should be more receptive to a proven solution to such a destructive problem.  Perhaps it could be in time to save America from imminent disaster – the same destruction brought upon Germany by racism that eventually destroyed the Germans themselves.

“Each hour here in the Holy Land enables me to have greater spiritual insights into what is happening in America between black and white.  The American Negro never can be blamed for his racial animosities – he is only reacting to four hundred years of the conscious racism of the American whites.  But as racism leads America up the suicide path, I do believe, from the experiences that I have had with them, that the whites of the younger generation, in the colleges and universities, will see the handwriting on the walls and many of them will turn to the spiritual path of truth – the only way left to America to ward off the disaster that racism inevitably must lead to.

“Never have I been so highly honored.  Never have I been made to feel more humble and unworthy.  Who would believe the blessings that have been heaped upon an American Negro?  A few nights ago, a man who would be called in America a white man, a United Nations diplomat, an ambassador, a companion of kings, gave me his hotel suite, his bed.  Never would I have even thought of dreaming that I would ever be a recipient of such honors – honors that in America would be bestowed upon a King – not a Negro.

“All praise is due to God, the Lord of all the Worlds.”

Malcolm X Thinker

Malcolm X saw and experienced many positive things.  Generosity and openheartedness were qualities which were impressed on him by the welcome which he received in many places.  He saw brotherhood and the brotherhood of different races and this led him to disclaim racism and to say:

“I am not a racist… In the past I permitted myself to be used… to make sweeping indictments of all white people, the entire white race, and these generalizations have caused injuries to some whites who perhaps did not deserve to be hurt.  Because of the spiritual enlightenment which I was blessed to receive as the result of my recent pilgrimage to the Holy City of Mecca, I no longer subscribe to sweeping indictments of any one race.  I am now striving to live the life of a true Sunni Muslim.  I must repeat that I am not a racist nor do I subscribe to the tenets of racism.  I can state in all sincerity that I wish nothing but freedom, justice and equality, life, liberty and the pursuit of happiness for all people.”

source:

From The Autobiography of Malcolm X with assistance from Alex Haley, the author ofRoots.

Is FBR’s incompetence hurting economy? (by failing genuine Taxpayers)

The following article has been published in Daily Nation, dated 27th April 2015

(E-Paper (Print Edition)http://nation.com.pk/E-Paper/lahore/2015-04-27/page-9)

(Onlinehttp://nation.com.pk/business/27-Apr-2015/fbr-s-incompetence-hurting-economy)

FBR’s incompetence hurting economy

Prof Dp

By: Omer Zaheer Meer

Federal Board of Revenue (FBR) is a semi-autonomous federal institution that is responsible for auditing, enforcing and collecting revenue for the government of Pakistan. It’s one of the most critical components of the revenue collection apparatus in Pakistan. As such it is supposed to be the pinnacle of professionalism, discipline and support to tax payers. Whether this is really the case shall be examined in this write-up. About couple of weeks ago, Chairman FBR invited this writer, while representing ACCA (UK) and LTBA at a historic pre-budget seminar that was organized with the collaboration of ICAP, ICMAP, ACCA, LTBA, PTBA, LCCI and several other Tax Bars, to send him proposals about the issues in and reforms for FBR. Below is a brief overview from this perspective.

Currently there are approximately 800,000 active income taxpayers out of a population of roughly 200 million in Pakistan. This is a meager 0.4% of the total population. On the other hand every Pakistani is paying indirect taxes on whatever they consume. The lack of trust of the taxpayer on the system and the resulting regressive taxation policies are a big hindrance in the attainment of an optimal taxation system. We’ve often discussed the problems with the taxation policies in Pakistan and proposed practical solutions. Frankly speaking there is only so much FBR can do in this regard since the policies are often driven by the IMF, World Bank and/or the political interests of the rulers. However the areas where FBR can and should play a very effective role are not in the best of states either and that is simply unfortunate.

Considering the tiny tax base it was only natural for FBR to attempt to broaden it. However the way they went about it is unprofessional to say the least while messing up a good endeavor big time. Recently notices claiming no existing tax registration based on “economic activities”, usually citing vehicle purchases were sent out to masses. Sounds positive? Hang on, what if it’s shared with you that many of those receiving these notices were not only tax payers already registered but paying millions in Income Taxes annually? This exemplifies a total lack of coordination within the systems and functions of FBR, which is unfortunately becoming a norm of late. Missing out on the records already held by FBR simply reinforces the misconceptions amongst the tax payers that FBR is out to bother already registered tax payers instead of acting as a facilitator and initiating genuine drives to catch tax evaders.

What’s tragic is that while on one hand such steps are undertaken citing the need to broaden the tax base but on the other hand proposals with huge potential to broaden the tax base such as bringing agricultural income and other exempt sections within the tax net as well as allowing use of CNIC as National Tax Numbers (NTN) and Sales Tax Registration Numbers (STRN) have been falling on deaf ears for almost a decade now. Of late, there has been news that CNIC may finally be allowed as NTN. If done, this will be a step in the right direction.

To underline the vast difference in the workings of FBR and similar bodies in developed countries, Let me share a personal experience with the readers to illustrate the significant gulf in the international standards and the ones practiced in our beloved country. While working in UK, I needed to change my tax code. For ease of understanding you can say it was like claiming a tax refund and I was not even a British national. It took me one phone call to UK’s HMRC (Her Majesty’s Revenue and Customs) during my office lunch hour to get it done by the end of the lunch. Yes, just in less than an hour. Now compare it to the experience of a genuine tax payer in Pakistan who is ridiculed and abused for even genuine works. Presumptive and advance taxes are collected but when it is time to issue refunds in line with the law, actual due refunds are held for months and even years despite completion of all legalities and verification. What is worst is that in most cases the FBR officials verbally accept the cases as genuine but claim that due to the pressure to meet revenue collection targets they are unable to follow the law and deliver the tax payer their due right.

The problem manifests from the nepotism and non-professional attitudes of some officers who treat tax-payers with utmost contempt instead of the dignity they deserve. Un-realistic targets setup by higher-ups then further aggravates the matters with coercive, non coordinated and even illegal measures used by certain sections within FBR. The widespread corruption within the department further worsens the matters.

It’d be reasonable to point out that although PRAL (Pakistan Revenue Automation (Pvt) Ltd) does mess up things at times, many of its’ positive endeavors were blocked for fears of eradicating corruption using different pretexts by certain sections of FBR. For example, PRAL once finalized a completely automated system of issuing refunds to tax payers with even an online payment instrument. Naturally there was a huge hue and cry. The project was dumped and the corrupt manual practices continue to date.

Now as if all this was not enough, even the laws governing the whole taxation system are made mockery of within FBR by several officers undermining the good work and efforts undertaken by their more professional colleagues. Just ask any genuine tax payer or tax practitioner about the treatment meted out to them by most FBR officials and you’d be shocked. Due to limited space, this topic will have to be continued in future write-ups.

As for now, perhaps the policy makers and senior FBR officials should consider this dire situation seriously to rectify all the serious problems within FBR. If they fail to do so, the next time they complain about low proportion of tax payers in Pakistan as compared to UK or other developed countries, they should realize that they only have themselves to blame.

The author is Director of the think-tank “Millat Thinkers’ Forum”. He is a leading economist, CFA Charterholder, experienced fellow Chartered Certified Accountant and anti-money laundering expert with international exposure who can be reached on Twitter and www.myMFB.com @OmerZaheerMeer or omerzaheermeer@hotmail.co.uk

Is Privatization right for Pak?

The following article has been published in Daily Nation, dated 2nd March 2015
(E-Paper (Print Edition): http://nation.com.pk/E-Paper/lahore/2015-03-02/page-9 )
(Online: http://nation.com.pk/business/02-Mar-2015/is-privatisation-right-for-pakistan )

Is Privatization right for Pak?

By: Omer Zaheer Meer

Privatization is coined as a solution to many economic woes facing Pakistan’s economy. It has been hailed as a solution to the woes facing PMLN’s government. The privatization commission has even shortlisted 31 institutions to “sell”. A very competent Mr. Zubair Umar, the brother of the youth icon and PTI MNA Mr. Asad Umar is heading the commission. On the face of it, the arguments appear to be logical and make sense. It’s pointed out that a government’s primary function is to run the state affairs and should facilitate the businesses instead of running them. The “white elephants” in the shape of public sector enterprises (PSE) are costing the national exchequer billions of Rupees annually which can be saved and spent on public welfare.

However once we start to dig deeper the situation is not as glossy as it may appear at first. First of all a successful privatization exercise has some pre-requisites like a conducive environment with investors’ confidence, a strong government able to enforce the agreements, proper selection of non-vital PSE’s and a fair process carried out in a transparent manner. Sans this, privatization cannot turn-around the state of PSE’s or the economy. Past experiences are a testament to this.

Once again the incumbent PMLN government is focused on privatization but unfortunately is ignoring the vital pre-requisites. The faulty selection of profitable and strategically vital entities, the extreme haste in the proceedings, missing policy guidelines, a lack of clarity and transparency in processes, non-conducive investment atmosphere and a less-than-desirable track record all warrants caution in examining the proposed solution of privatization.

Amidst the noise of overhauling loss-leaders several profitable institutions are also earmarked for privatization, which besides funneling billions to the treasury are also providing products/services at cheaper rates to the public as compared to the private sector in the international market.

One such example is the Oil and Gas Development Company Limited (OGDCL) which generated a profit of approximately PKR 91 billion in last fiscal year while providing the gas at 40 to 50% of the prices offered by private sector in international market. Another example is Pakistan State Oil (PSO) generating an after-tax net profit of approximately PKR 12,558,000,000 in the year ended 30th June 2013, a 39% increase from the previous financial year. Privatizing such institutions would not only lead to loss of billions to the exchequer but also an increase in the comparatively cheaper prices currently offered to the masses.

A case in point is the handing over of PTCL control to Etisalat by the Musharraf regime in which a minority shareholder effectively got all of PTCL for a paltry sum to be paid in installments, still partially outstanding. What is iconic is the fact that Etisalat itself is a Public Sector enterprise of UAE. This means that although the proponents of privatization strongly believe that “state cannot run vital services”, they have no qualms about a foreign state owned enterprise coming to Pakistan and doing the same. And just to analyze how effectively has this privatization venture gone we should realize that the same PTCL which was generating profits of billions of PKR but is now reporting heavy losses despite increased tariffs and with a falling standard of customer service often complained about. Similarly KESC which was sold on the hopes of a turnaround with substantial investments expected in infrastructure by the private party. Unfortunately it has instead become a much bigger white elephant requiring continuous rescue by the government while the new private owners continue to remit their profits abroad. Their failure to even invest in the necessary infrastructure maintenance has lead to undue load-shedding over and above that necessitated by load-management. Not only has the government of Pakistan lost revenues from healthier dividends and resulting taxes, it has also lost by falling share prices of its remaining stake in these entities. The public has suffered a deteriorating service and higher prices.

To put things in perspective let us also recall the privatization of MCB to Mian Mansha’s group, undoubtedly amongst the strongest business conglomerates in Pakistan. The deal was done at a fraction of the fair value of the tangible assets of MCB let alone considering the value of the brand and goodwill. Obviously such moves do not boost confidence particularly when the same group’s head attends important government policy meetings is said to be interested in getting “good” deals on more national assets at the cost of the nation.

It had been reported that the incumbent government sent a letter to IMF claiming a consensus of all political parties and parliament to privatize the national institutions. This obviously points towards the pressure emanating from the terms of the IMF package accepted by Pakistan and explains the underlying motive. This undue urgency leading to lack of planning should be avoided. The government needs to ensure it is not selling off profitable and strategically vital PSE’s in the name of privatization for short-sighted capital injections at the cost of long-term stability and revenues. Furthermore institutions providing vital services to the masses should not be on the wish-list of the potential sell-offs either.

As for those entities generating losses like PIA we need a proper plan of action. One leading argument for privatization is that since the private sector is driven by profit, the efficiency and performance of institutions is supposed to improve in private hands. Unfortunately the past record of privatization in Pakistan does not support this argument. Be it PTCL or KESC, not only their profits but the standard of services too has fallen in private hands. Also it brings up an interesting question as to why the government cannot introduce checks and balances along with incentives to ensure a turnaround they expect from private entities. Moreover, in developed countries strict legislation has been introduced to ensure avoidance of the common pitfalls of privatization, protecting the interests of all shareholders and safeguarding the continuation of service(s). Same needs to be done in Pakistan to address the issues already facing us from past public-private venture which effectively handed over whole PSE’s for a paltry minority stake in ownership.

While some proponents of the privatization point out the previously failed attempts at turning-around of state institutions but they conveniently ignore the major reasons of failure in undue interference, political appointments and misappropriation by government officials. The success stories like the last major successful turnaround of a loss-making steel mill into a profit generating venture are also conveniently swept under the carpet. They also choose to forget that if enterprises like PIA are privatized, which have the highest ratio of employees per aircraft of 500 compared to international standards of fewer than 150; it will still lead to layoffs and resulting backlash. Ideally a better option will be to establish an independent and empowered restructuring institution (RI) to overhaul PSE’s, which if handled properly will make the process less painful compared to a private venture while ensuring cost-effective quality services from a revenue-generating asset of the nation.

All that is required by the RI is to place competent professionals of utmost integrity at the top positions based solely on merit to run the PSE’s, introduction of a system of appropriate checks and balances run by professionals whose life is driven by measuring performance against goals, spurring motivation and ensuring excellence via improved performances. If for some reasons a privatization is deemed mandatory then a hurried privatization without a proper policy, appropriate selection of PSE’s and laws safeguarding the national interests as well as protecting the masses should be avoided as it will only lead to less efficiency by investors with conflicting interests, more unemployment, resulting lawlessness, inflation, loss of revenues and government bailouts.

The author is a leading economist, chartered certified analyst, qualified chartered accountant and anti-money laundering expert with international exposure who is helping reshape businesses at Millennium Law Company. He can be reached on Twitter and www.myMFB.com @OmerZaheerMeer or omerzaheermeer@hotmail.co.uk