In march 2007 we paid a deposit on an off plan apartment in Goa in India through Churchill Innovative Solutions. The developer was called Braganza Constructions and the development itself was called Braganza World. I talked at length with Churchills before buying to satisfy myself that all was above board. I was told that Ryan Braganza was a very wealthy man who had an extremely good reputation and had built successful properties in Goa already. I Googled Ryan Braganza and all did seem to be above board. I paid £3800 deposit, and there were to be 2 more equal payments over the next 2 years until completion. When the next payment was due in Dec 2007 and I had not heard anything i thought I had better just check with Churchills that all was ok before making the next payment. At this point Churchills said not to pay any more just yet as there had been a delay in starting the construction. I was a bit concerned but they said all was well it was just a slight delay. I later found out that Ryan Braganza had never in fact obtained the planning permission for this development but had been taking money illegally from lots of other people as well for these non existent properties. At this point we all had an email from Braganza Constructions asking us to transfer to another development called Tropical Dreams in Goa. I and many others said No Thank you we want our money back . Since then we have been battling with him to pay our money back. He mostly just ignores all our emails, but I did get one saying i could have a refund when he had been able to re-sell my non existent property! Ryan Braganza should repay my money with interest immediately. he is supposed to be a man of stature and good reputation in India but has clearly committed fraud in this case and has ripped off myself and many other innocent people.