...Also people were claiming that Havelock loses a lot of money and may become insolvent.
Claiming? Go here: https://www.havelockinvestments.com/reports.php
scroll down to here:
Click on Havelock's own reports, read.
Presto, claims confirmed.
Now I'm not saying that Havelock is being honest with its financials, but if he's lying to his investors, ain't that even worse?