InTheKnow

#BreakingNews Bank Of England Governor Andrew Bailey has yet another Dark Cloud over him. At the #FCA clearly his remit was to protect Banks and not the Public he serves independent.co.uk/news/business/… @efgbricklayer @BankReformUK @drcmday @nw_nicholas @corruptionukorg @stevemiddi1

I've thought long & hard about this but the reality is it has to be said. I worked out this swap credit line scam back in 2013 with help from my friend & ex bank colleague. I began reporting my concerns in 2013/14 to @TheFCA executives, I also gave evidence & met with Bully Banks executives to disclose the same, who refused to let me speak about it at their meetings. As did the Fair Business APPG allegedly set up to represent Swap & Fixed Rate Loan victims. I was then a founder member of the SME Alliance as a bank fraud victim myself & frustrated that Bully Banks & the APPG Chaired by Gueto Bebb, refused to let me expose these frauds to members & MPs. Meanwhile they all eventually promoted alleged "experts" salesmen from derivative sales & Lloyds etc. some of whom sold these frauds to act as experts, when in fact they had been party to that. The victims were all introduced to alleged banking expert lawyers & barristers, thousands of them who amazingly failed to work out how this fraud worked. Meanwhile the alleged "experts" just happened to get it all wrong & set precedents allegedly acting for victims, that lost & cases & allowed @TheFCA & Swift KC (£8.5m for a completely flawed report) & to quote those nonsense legal precedents, as if correct. Unchallenged by MPs & the APPG these ridiculous/nonsensical judgements ruined the statutory regulatory & legal rights of tens of thousands of the fraud victims. I met Mark Wright in 2016 when an SMEA director & current CEO was abusing him by selling his & whistle-blowers (I have the evidence) information for financial returns to RGL who then ran (based on one of my reports) the failed Clydesdale group action. We set up BankConfidential in 2017 which has now spent 9 years supporting bank whistle-blowers & exposing bank misbehaviour including market abuse, teaching bank signature forgery, rigging files, court disclosure failures frauds & this credit line fraud backed up by our connections & many who came to us. We have both given thousand's likely tens of thousands of hours on BC pro bono. I wrote the Hidden Credit Line report with help from Mark & Whistle-blowers he worked with & included all the evidence that led to the back bench debate on 14 April. Almost every MP referred to the report but since then we have had no mention in media, Parliamentary, media & other reports, or a single call or request for information. Just as I/we were never mentioned for circa 4 years for matters I worked out at the SME Alliance. Some journalists are now giving us credit which I can't disclose at present. But why are we airbrushed from almost everything else? Is there such a snobbery with journalists & media etc. that they don't like the fact that an IFA from Hull with a comprehensive school background & financial adviser from Norfolk with similar, worked out & exposed the biggest fraud ever? Should we remain quiet until an Oxbridge affiliate they can 'trust' ratifies our cast iron evidence? Or is it just so petty & also controlled by Murdoch & Rothermere & their City affiliates, that they'll never be allowed to expose this? Not just tens but hundreds of billions of theft & fraud from UK SMEs exposed now by our overt evidence & expertise. Whilst I know there are many individuals who appreciate our work, I suspect we'll never be acknowledged for it. Such is life... @BankConfidenti1 @efgbricklayer @MLorrM @TransparencyTF @mickmor16921994 @CarshaltonArt @nw_nicholas @EthicalDavid @jameshurley @andyverity @JohnCena @shaunattwood @BBCBusiness @SkyNews

Do you believe that any firm failing to tell Swap victims of Hidden Credit Lines on swaps & Fixed Rate Loans whilst acting as an expert would be exploiting victims. Do you believe that failing to report the overt fraud @LloydsBank where undisclosed commissions & Hidden Credit liabilities on fixed rate loans led to the destruction of thousands of SMEs would be seen as ‘collusion’. If such behaviour was by an expert acting as an adviser to the Court under CPR 35 & they have made made millions misinforming clients would legal limitation apply? These issues always confuse us as there were so many “experts” attached to Bully Banks the Fair Business APPG & the SME Alliance that never exposed these Hidden Credit liabilities that would have led to large consequential losses, we don’t understand why they weren’t disclosed. As the adviser to the @TheFCA on such matters as you have publicly confirmed & now knowing @LloydsBank committed this FRL fraud on a much larger scale than @NatWestGroup since at least last November in the Parliament APPG meeting, have you now reported your knowledge of that fraud? As the adviser to @TheFCA who are still misleading @UKParliament @hmtreasury on the Hidden credit liabilities in swaps & the Lloyds Fixed Rate Loan fraud, as confirmed by their response in the Back Bench Debate this week, what are you now doing to support the hundreds of your clients affected by the Hidden Credit Lines fraud? Surely you must be outraged that your clients @TheFCA are misleading Parliament. As an”Expert” on such matters did you understand the fraud when you acted as such on hundreds of cases,or only when it was explained to you in November 2025? And no doubt having undertaken substantial due diligence before advising the FCA @CommonsTreasury & many MP’s as you confirm, can you categorically state that the Charles Flint KC opinion to the FCA in 2014 related to all 60-70,000 fixed rate loans contracts (a volume stated by the FCA) and not just Tailored Business Loans (Clydesdale product). Clearly to advise the FCA & having sold numerous Lloyds FRL’s to customers previously even in BSU (where it seems the only credit they could get was for a fraud that benefited the bank) you would have to have been privy to the Flint opinion. In which case did you inform @TheFCA that an opinion on 8,300 Tailored Business Loans (TBL), which did not contain Hidden Credit lines, could not be relied on to to dismiss the other 60,000 FRLs including the fraud in the Lloyds FRLs “which I must believe as an “Expert” you did or should have understood was a fraud? And please explain why @BankConfidenti1 who is responsible for raising these concerns publicly in the report you confirmed you’d read last November, and for disclosing this fraud in the public’s best interest as a not for profit firm, is blocked from your account. Why would a promoted leading expert FCA authorised firm block scrutiny? If every other firm potentially engaged in this collusion, cover up & fraud is fair game related to your “Expert” investigation & fees why should your firm not be subject to scrutiny by firms acting in the public’s interest? Do you suspect that the “Experts” in the Bradbury Hall FRL case misleading the clients and their legal team on FRL risk & then mistakenly agreeing with Barclays that credit risk did not have to be disclosed might be a risky strategy. Would you agree that if 2 precedents are proven to be incorrect as we suspect they might be might potentially lead to multi-million claims against the SME experts involved? Happy to discuss at your convenience, you have our contact details. @BankConfidenti1 @TransparencyTF @appgonifandffs @johnmcdonnellMP @premnsikka @hmtreasury @TheFCA @bankofengland @MLorrM @ianhtyler @CarshaltonArt @mickmor16921994 @james_glanville @BomberMorgan @Nat_Worst @LloydsBank @NatWestGroup @Wftproof @financialeyes @jameshurley @normanlamb @andyverity @Keir_Starmer @RachelReevesMP @UKSFO @NCA_UKFIU @BBCBusiness

Dear Ann, never a truer word said, just read what was reported in the media following our report being presented at parliament ftadviser.com/content/c363d0… based on this report bankconfidential.com/wp-content/upl… @stevemiddi1 @MLorrM @CarshaltonArt @firstkeano @efgbricklayer

Truly embarrassing when you know the facts thats why this report 100% factually correct is a #MustRead bankconfidential.com/wp-content/upl… as reported via @FT ftadviser.com/content/c363d0… @stevemiddi1 @firstkeano @efgbricklayer @TransparencyTF @appgonifandffs @CarshaltonArt @Ian_Fraser

@stevemiddi1 @CommonsTreasury @TheFCA @MLorrM Please read the FT Artcile these figures are not made up . The theft of 10's of billions from SME's whilst HM Treasury were in charge of @NatWestGroup @LloydsBank must be fully investigtated with public enquiry @normanlamb @Ian_Fraser @MLorrM ftadviser.com/content/c363d0…

What @TheFCA needs is to meet its "CONSUMER PROTECTION" objectives & support UK Economic Growth... By making banks hand back £50B plus stolen from SMES & stop lying to MPS about "Hidden Credit Lines"! Will TSC Hear our Evidence? @BankConfidenti1 @MLorrM bankconfidential.com/wp-content/upl…

Time to expose, "professional victims" who've manipulated & suppressed real bank fraud victims for their own ends. If you faced numerous repossession claims for years, it may be because you didn't work & pay your mortgage... @Nat_Worst @efgbricklayer @CarshaltonArt @MLorrM

Will @AndyKeats241820 now representing @reformparty_uk explain why as director of @SMEAllianceLtd alongside Nick Gould he was taking an undisclosed retainer to sell whistle- blower information from @Nat_Worst Star lawyer chases Post Office victim over ‘unpaid fees’ - RollOnFriday

What a speech I was lucky enough to have @normanlamb speak for me thank you Sir Norman I will never forget your support and continued support. @TransparencyTF @efgbricklayer @CarshaltonArt @stevemiddi1 @BankConfidenti1

Congratulations indeed @MikeKellyPA and thank you for your support in assisting justice. Please read and share this report which is 100% factually correct far and wide please to try and end the suffering for victims as this has to stop bankconfidential.com/wp-content/upl…

See extract below👇 from my contribution last month at the Palace of Westminster (13 November 2025). Thank you to ⁦@TransparencyTF⁩ for facilitating & my colleagues ⁦@BankConfidenti1⁩ ⁦@stevemiddi1⁩ as well as support of ⁦@Wftproof⁩.

1/2 If Judge Barniville is genuinely concerned about the proper administration of justice and wishes the authority of the courts to be respected - he must understand that in the matter of respect, this is a two way street. independent.ie/irish-news/cou…

@MLorrM @ReginaDo @EPPGroup @FineGael How many homes could have been saved if these City & Bank puppets hadn’t covered up so many frauds. How many could now be bought if the banks were made to pay back the billions stolen from SMEs. Stop grubby money grabbing politicians from lining their pockets from bank frauds.

@amcarmichaelMP @BankConfidenti1 support Mr Carmichael in this & are focused on supporting UK farmers damaged by “Hidden Credit Line” frauds on Swaps & Fixed Rate Loans. Stop covering up for the City & support farmers. @BomberMorgan @bleating_lamb

⁦@JMcGuinnessTD⁩ stands up for whistleblower ⁦@MLorrM⁩ & demands the House hear from her about the whitewash banking Inquiry & ⁦@UlsterBankNI⁩ fraud, we salute you John ⁦@BankConfidenti1⁩ ⁦@TransparencyTF⁩ ⁦@appgonifandffs⁩

@_RobbieMoore Well done I’m speaking to farmers on a weekly basis in my charity work with @BankConfidenti1 hard working people, distraught, suicidal many legacy victims of bank frauds, hung out to dry by City Sycophant PM & MPs @MLorrM @TransparencyTF @appgonifandffs

@Wftproof @MLorrM @TheFCA @BankConfidenti1 @jameshurley Hester there have been over 1,000 suicides in Ireland linked to building customers/ banks, many will have had had fixed rate loans. I’ve dealt with dozens of early death, suicide attempts & suicide cases caused by banks largely controlled by @hmtreasury whist @TheFCA colluded.

Were you a borrower with UK Acorn or Commercial First? You're not alone. We're sharing stories to support each other and raise awareness. DM us confidentially or tag #UKAcornCommercial1stloss to speak up. @stevemiddi1 @TransparencyTF @Ian_Fraser @BomberMorgan @BankConfidenti1

@andi_gibbs @TheFCA @TransparencyTF @johnmcdonnellMP @andyverity @stugoo17 @mickmor16921994 @bleating_lamb @Carlier_J87 Spineless… Didn’t explain/apologise… just instructed one of the nameless/soulless puppets in the overworked “executive coverup team” to make a ridiculous excuse on his behalf An independent judge led public inquiry is needed into the FCA’s nefarious people and practices 🔥

@bleating_lamb @TheFCA @TransparencyTF @johnmcdonnellMP @andyverity @stugoo17 @mickmor16921994 @Carlier_J87 Sadistic psychopaths Perfectly clear the toxic, cancerous and immoral culture in banks / regulators has got worse. Lest we forget their victory emails sent when (fraudulently) asset stripping customers & the infamous quote: “give the customer enough rope to hang themselves”