Lorraine Morris

Informative post 👇 by Steve on the History of the Hidden Credit Lines Scandal. 🔹My path to this issue began not as an outsider, but through direct involvement in one of Ireland’s most critical examinations of banking misconduct: the Joint Committee of Inquiry into the Irish Banking Crisis. 🔹Headhunted as a senior capital markets and derivatives lawyer for the Expert Support Team, it was not difficult to identify systemic issues in how the inquiry was being controlled. I was certainly not alone in my concerns, but framed as the lone complainant. One colleague resigned in solidarity. Framed as “personal issues”. 🔹Key witnesses with critical evidence were being excluded. Crucial lines of inquiry into banks’ liquidity ratios and solvency were shut down. Evidence was suppressed and redacted at scale. Witnesses were being questioned without experts having reviewed the relevant underlying evidence. 🔹After raising protected disclosures and documenting these failures, I walked out in April 2015. I was invited to return several times & in July 2015 - enticed to take on significant work around the events leading to issuance of bank guarantee. I declined & was astonished that no Expert had started that work. Today, I understand why. 🔹A subsequent review by Senan Allen (now Court of Appeal Judge) produced a fabricated report discrediting my evidence, despite official transcripts proving that he did not and would not investigate the protected disclosures. Allen wanted them withdrawn. 🔹Readers- that was what Allen was paid to do - but by you. 🔹It took years to understand why this happened as I was carefully managed by compromised lawyers - one having failed to disclose a fondness for @FineGael fundraisers. 🔹So the lawyers all knew the Allen Report was fabricated- two disclosures were substantiated. It seems I was to participate in the cover up by allowing Allen’s Report to be maintained on the official parliamentary record. 🔹My refusal eventually led to understanding the scale of the cover up and to the Hidden Credit Line analysis, synthesising years of case examination, whistleblower testimony and the cross-jurisdictional patterns. 🔹When @johnmcdonnellMP quoted my endorsement of the BankConfidential Report work during the April 2026 parliamentary debate in Westminster Hall - it validated that the substance had broken through. It is after all about ensuring the actual mechanisms are understood and addressed. 🔹The Irish Banking Inquiry demonstrated what happens when vested interests control the narrative. The same risks remain today absent proper, independent scrutiny. The evidence exists. The patterns are consistent across jurisdictions. Those willing to examine it properly will find the same conclusions reached years ago. 🔹On a human interest level, as I tried to come to grips with the scale of the devastation wrought by fraudulently sold swaps / derivative products - I admit no training prepared me as I learned about the fallout. 🔹Naturally, Senan Allen was ordered to utterly discredit the derivatives law expert. The irony is that it was the General Counsel of @centralbank_ie who recommended that I consider the expert position - as that institution played a lead role in the cover up equivalent to @TheFCA in the U.K. 🔹Doubly ironic that it was the former Governor of the Central Bank of Ireland who deemed my disclosures to be credible a mere six weeks after Allen’s Report was published. 🔹None of the above stopped false pleadings and an affidavit being filed in the High Court in a desperate attempt to sustain a false narrative. 🔹Nor stop the criminal threat issued to silence me as well as the reluctance of any public official to stand over instructions to external Parliamentary lawyers. 🔹@stevemiddi1 worked out the Hidden Credit Lines scam in 2013, 1.5 years prior to my being invited to a sham Irish Banking Inquiry to help sanitise it. @LucyRigby @Wftproof @BankConfidenti1 @ArturNadol7566

6/ The 2026 judgment notes the bank’s later “clumsy” and “imprudent” non-disclosure of the loan sale to Pepper Finance, yet still refused to disturb the outcome. I ask - any consequences for those who misled the Honourable Court? The messaging feels uncomfortably close to: technical defects don’t matter if the customer got the money. What All This Means in Practice 🔹For borrowers: Even if you successfully defend the contract claim, you may still face a restitutionary judgment for the principal. Interest is off the table, but the debt survives. 🔹For banks: Document execution can be casual. Unjust enrichment is the ultimate backstop. 🔹For the legal system: Courts become reluctant to let banks lose entirely, even when their own evidence is “unsatisfactory” or “in an evidential wasteland” (Baker J’s words). This is not abstract legal theory. It is a real family - years of litigation, a void mortgage but a live personal judgment & a bank that effectively won by losing on the contract. Irish law needs a clearer boundary: if a bank cannot prove the loan was properly formed in accordance with statute and basic formalities, restitution should not automatically fill the gap. Otherwise we risk turning “unjust enrichment” into “bank enrichment” - a doctrine that rewards the very carelessness the law was designed to prevent. But invariably - certain Irish courts for years have acted as executive wing of government - facilitating the entities of the skilled lobbyists. 🔹Bank Enrichment 🔹Vultures & Credit Servicer Enrichment

5/ Irish law has deliberate safeguards: 🔹Family Home Protection Act 1976 - requires spousal consent for charges. 🔹Consumer Credit Act 1995 - formalities for home loans, cooling-off periods. 🔹Rules on independent legal advice and proper attestation. When a bank cannot prove compliance with these, the statutes are rendered toothless. The Murray judgment says, in effect: “We can’t enforce the contract because you didn’t follow the rules… but equity will still let us enforce the economic substance.” Alarm Bells should ring here ‼️ One spouse’s signature is treated as binding the other via “benefit received,” even when the bank never proved joint authorisation.

WHEN A BANK CANNOT PROVE YOU EVER SIGNED THE LOAN BUT STILL WINS YOUR MONEY 1/2 The Murray Case and the Dangerous Loophole in Irish Banking Law 🔹A fisherman spends years fighting a bank that admits it cannot prove he (or anyone authorised by him) ever signed the loan agreements or the family-home charge. The High Court, Court of Appeal, and ultimately the Supreme Court all agree: the bank failed to discharge its burden of proof on execution. A major concern in light of all those who have contacted me regarding forged signatures / composite documents etc.

‼️‼️‼️If every failed contract claim can be salvaged via unjust enrichment, what incentive do banks have to get the paperwork right? 🔹Proper witnessing? 🔹Independent solicitor confirmation? 🔹Clear records of authority? None. They can proceed informally, advance funds & later rely on bank statements and joint-account flows as “objective” evidence of benefit. The Murray case involved multiple attempts at execution over years (2003 and 2007 loans). The bank still couldn’t prove it. Yet it recovered. This precedent lowers the bar for banks and raises it for customers, who must now disprove benefit or argue change of position. This is a heavy evidentiary burden after the fact.

2/ Yet the bank still walks away with a judgment for €132,355.63 — the full principal advanced into the joint account. Not on the contract. Not on the security. On “unjust enrichment”. This is the outcome of Bank of Ireland Mortgage Bank v Murray [2026] IESC 30 (O’Donnell CJ, 13 May 2026) — the eighth judgment in a saga that has now spanned more than a decade. On the surface it looks like a pragmatic result. Dig deeper and it exposes profound concerns about fairness, rule of law, consumer protection and the incentives it creates for banks. 1/2 is incorrect- 1 of many ‼️

I commend all litigants in person fighting in Irish courts at this time to save their assets. Those who were or are 🔹overcharged - never in default 🔹lent to when lender already insolvent - for liquidity 🔹fraudulently sold complex derivative / swap products 🔹before judges willing to be misled 🔹facing false pleadings denying they were overcharged & denying they were duped into swaps despite the hard evidence 🔹facing credit servicers pretending to have legal standing 🔹having had their signatures forged 🔹facing knowledge that their assets were moved upon on foot of heavily redacted documentation 🔹watching bank & credit servicer executives & their barristers repeatedly mislead courts 🔹exasperated because a judge cannot comprehend that they were placed into non-binding contracts to facilitate asset stripping by insolvent lenders 🔹facing the knowledge that banks used their names as booking vehicles by extending maturity dates of swaps & moved upon assets on the basis of these invalid debts - inflating balance sheets in the process 🔹dealing with PTSD following assaults by thugs while their court cases were ongoing - making a mockery of our legal system (despite Harris’ unusual address yesterday to @LSIPresident) 🔹wondering when there will be any accountability for the descent into chaos that is now the Irish legal system. Thanks to all who are sharing their experiences and their files. @Wftproof @stevemiddi1 @SimonHarrisTD; @JMcGuinnessTD @johnmcdonnellMP @premnsikka @ArturNadol7566 @kenoflynnTD @Farrell_Mairead

All of this mirrors my own experience with own counsel focused on the maintenance of a false Irish parliamentary record - while all legal professionals on both sides had hard evidence of the fabrication of the report about me. When I asked to have the meritless Defence struck out - they said all would be resolved in mediation. At that point three of my protected disclosures were substantiated. The only thing missing was my own understanding of the scale of the frauds that needed to be concealed. @Wftproof @stevemiddi1 Prior to mediation, I was asked to just allow this fabricated report be sustained for $$$ - mediator also wanted it sustained though mediator said it was all “scurrilous”. Eighteen people (a mix of lawyers and civil servants) were behind sustaining a false Parliamentary record. Fourteen people opposing me benefited from having their identities shielded at the mediation. The mediator supported this somehow. Any mediators out there ever allowed people to show up at mediation and not provide their names & roles?

What was more disgraceful is that when Sally had an opportunity to get some compensation by I believe Anthony Stansfeld’s intervention, she was I am told ill represented not by experts but by another “wannabe” person part of the Parliament Palace. Just as some HBOS Reading victims were ‘turned over’ by ‘alleged victims’, grifters profiteering from genuine victims. @LloydsBank “bribed” those grifters & I repeat for their lawyers @LloydsBank Executives “bribed” fake victims to ‘ruin’ real victims compensation claims. I say this as a fact, with evidence. Cases are going through the courts at present that will blow apart @LloydsBank Griggs, Cranston & Foskett farcical compensation schemes. They were a con, a set up, designed to “never" pay fair compensation to victims just like the IRHP, GRG & other reviews, whilst promising the opposite. How many billions do bank fraud victims have to lose @TheFCA before you accept that barristers/judges making such false financial promotions are worse than Finfluencers & bring criminal claims against them…? Or are celebrities fair game whilst Judges can mislead at will for £m’s? A smiling ex Judge promising you all the compensation they will never deliver, for their millions in fees. Not guns but “Assassins” for hire. Maybe at some point Peers, MPs & journalists interested in these matters & the failed Dobbs review will take some interest. @BankConfidenti1 @MLorrM @TransparencyTF @ArturNadol7566 @StansfeldPCC @premnsikka @johnmcdonnellMP @JMcGuinnessTD @EmilyBuchanan1 @BomberMorgan @CarshaltonArt @mickmor16921994 @james_glanville @JamesMelville @JohnCena @nw_nicholas @EthicalDavid @jameshurley @andyverity @appgonifandffs

SIX BANKERS JAILED Sally Masterton was a forensic accountant at Lloyds Banking Group (@LBGplc). In 2013 she wrote an internal report, Project Lord Turnbull, documenting how HBOS executives had deliberately concealed a £1 billion fraud at their Reading branch before Lloyds acquired them. Small businesses destroyed. Lives ruined. Fraud siphoning money to pay for kickbacks, prostitutes and Barbados holidays. She was pushed out in 2014. Lloyds publicly denied the report was even authorised. They called her a rogue employee acting alone. The police, meanwhile, were writing letters saying her work was vital to their investigation and trying to have her co-opted onto the case. @TheFCA received the report in 2014. They did nothing for years. Nothing. The regulator whose entire job is to catch this exact thing sat on it. Six HBOS executives were eventually jailed for a combined 47 years. The fraud was real. The cover-up was real. Masterton was right about all of it. Lloyds settled with her twice. The second time, in 2018, they formally admitted the report was commissioned by the bank and apologised, saying she had acted with integrity and good faith. That is what institutions call justice when they want to avoid the word sorry. The FCA was fined £45 million for concealing the fraud. Not a single board-level executive was held accountable. The £45 million fine went straight to the Treasury. Thames Valley Police spent £7 million investigating a fraud they could never recover from the fraudsters. The Chancellor at the time refused to reimburse them. A woman who did her job properly was fired, smeared, and silenced with a non-disclosure agreement. The people who covered up a billion-pound fraud kept their careers. Nothing about any of this was an accident. MP Kevin Hollinrake (@kevinhollinrake) called her treatment disgraceful. He was right. It was also completely predictable for anyone who knows how these institutions protect themselves. Share this if you think the public deserves to know. Sources: @FinancialTimes @CityAM @businessinsider | Blueprint for Free Speech | Parliamentary Written Evidence

Congrats @LucyRigby Now that second-in-command to Chancellor has knowledge of Derivatives / Hidden (margin) Credit Line Fraud on SMEs by the banks & FCA Government action should be swift! @TransparencyTF @appgonifandffs @johnmcdonnellMP @premnsikka @stevemiddi1 @ArturNadol7566

@MimCotton I come back & see this & think - how apt…

@MLorrM God almighty. What a bunch of sewer rats.

Question linked to below article: 👇 How many barristers are misleading courts daily on credit servicer legal standing & concealing bank frauds to assist bank clients & their delegates? How many opposing barristers & conflicted barristers in my own litigation put the Houses of the Oireachtas Commission’s interests ahead of their duties to the court - their specific duties not to mislead the Court? A Recap: 🔹A meritless Defence was filed post the substantiation of three of my disclosures? 🔹A false Affidavit of Verification was filed - but withheld from me for 8 years - on the basis I would know the Deponent perjured himself and could not be shown it at the time. Deponent has now stepped down / retired. 🔹A false position paper was filed (laden with false statements- e.g. that Allen conducted a thorough investigation when all very much on notice that he did not - from official transcripts - & that he wanted my disclosures withdrawn). On last count - there are at least 5 barristers involved in this charade - but perhaps several others conducting from behind the scenes - all willing to put false paperwork before the High Court to shield banks from fraud allegations. The Mediation was invoked with a view to perpetuating the fabricated Senan Allen Report on the official Irish parliamentary record. Mediator participated in an unlawful threat to silence me when the scale of the frauds became apparent & I deliberately breached the confidentiality clause (that no one provided before the mediation) - let it sink in - a 6th barrister - a third party “neutral” joined in - in what was essentially a criminal threat. Then he hired representation… One of these barristers is now a judge. The other 5 are Senior Counsel - some promoted during case - all willing to put the Houses of the Oireachtas Commission’s apparent interests - their desire to sustain a false narrative in an Irish Parliamentary record, over the truth... So, in the U.K. this warrants disbarment- what will be the outcome in Ireland? @Wftproof @ArturNadol7566 @stevemiddi1 @BankConfidenti1 @WinkSabee @MichealMartinTD @SimonHarrisTD @kenoflynnTD @JMcGuinnessTD @PearseDoherty @MaryLouMcDonald @Farrell_Mairead

2/2 And suddenly “performance issues” are noted at a later stage of “developments.” Of course, individuals’ attitudes to work may change, but nevertheless- this is a red flag 🚩. 🔹When I walked out of the Banking Inquiry in April 2015, a colleague followed in solidarity in May 2015. 🔹I was routinely asked to return in writing - enticed even with “interesting work” that would of course have still lead to the false narrative. 🔹I declined - waiting for a thorough and independent review of significant protected disclosures. 🔹This time 11 years ago - I waited and waited. The “review” did not commence until August 2015 when Mr Justice Senan Allen commenced interviews. 🔹The official transcripts of his interviews with me - show no review. No independence. He said he was basically not conducting a review. He wanted my disclosures withdrawn. 🔹Allen even agreed with me that it was “crazy for any lawyer” to expect that witnesses would be questioned, when the underlying evidence had been withheld or not in fact read by ANY of the experts. 🔹A fabricated report was written about me & published in September 2015. There was no right of response. 🔹Performance style issues raised - even though I had passed probation and had not been there for three entire months. 🔹Legal adviser to Inquiry had supported my position on conflicts of interest. Allen had point blank refused to look at the declarations. Captured in transcripts. 🔹False media statements were faithfully reported across Irish media. 🔹Two further protected disclosures were substantiated outside the framework of the Banking Inquiry. Allen refused to come forward. 🔹Allen was then promoted to the High Court and then the Court of Appeal. 🔹As the saying goes, a leopard does not change its spots. 🔹This has been reported to Ireland’s Department of Justice - specific cases - related to Hidden Credit Line scandal - victorious Ulster Bank when files show: 🔹no suitability assessment 🔹no disclosure of risks 🔹products sold as “protection” but rather deliberate destruction of SMEs. 🔹Tens of millions of euros worth of Irish assets lost to banks before this judge. 🔹The Department has expressed empathy. 🔹Let it sink in. 🔹Not - “Lorraine - you are making an outlandish accusation”. 🔹Just an expression of empathy. 🔹See report below which I have endorsed @JMcGuinnessTD @kenoflynnTD @SimonHarrisTD @MichealMartinTD @Farrell_Mairead @Wftproof @WinkSabee @stevemiddi1 @BankConfidenti1 @ArturNadol7566 @kshaughnessy2 @SamanthaLaDuc bankconfidential.com/wp-content/upl…

1/2 Without any knowledge of the merits of this case - I find that is always a red flag when an employee passes their probation period (usually a reasonable period during which to assess performance)…. independent.ie/irish-news/cou…

Or in Ireland, where Senior Central Bank officials said that swaps were not sold to SMEs (combined with loans) when on notice of numerous complaints and evidence demonstrating that it was indeed rampant and caused havoc across Ireland - leading to either secret settlements or billions of euros in asset losses with certain judges facilitating such losses using the: “you borrowed the money” mantra.

@NoelMcgree There are very unwell people employed in “positions of power.”

Grieving Garda claims superior asked if she expected new job as 'consolation prize for losing your son' share.google/j0ppLUpkags1Nv…

🗞️ A public inquiry into the swaps mis-selling scandal is needed now 👇 archive.is/MQrfx @johnmcdonnellMP

It is only a matter of time before every citizen in the EU becomes aware of the largest bank and pension fraud in history (Worst Bank Scenario); PLEASE SHARE: The banking system that was built up from the 1970s onwards (after the Nixon shock) is based on securitisations, OTC derivatives and collateral trading (banks enter into contracts with pension funds and insurers, with collateral trading taking place off-balance sheet). From the very professionalisation of this OTC derivatives trading, it was already known that highly liquid collateral was required. In the EU this shortfall amounted to more than EUR 2,000 billion in 2008; worldwide, tens of trillions of euros. The credit crisis did not come unexpectedly but was part of the Worst Bank Scenario. Barroso was the one who in 2005 proposed the ‘Globalisation Fund’, which entered into force on 1 January 2007. In 2007, the Trans-Atlantic plan was concluded between the EU and the US, and the megalomaniac transition was rolled out (climate, energy, pandemic preparedness, Ukraine, and a Palestinian state) to force the creation of the United States of Europe through the ECB, central banks, and parties such as ING, BlackRock, Goldman Sachs, etc., using common debts. At the same time, the Treaty of Lisbon was being prepared, which was signed in 2009. Climate, energy, and solidarity (we will fairly share the debts) were smuggled into the EU Treaty, and Article 122 was amended so that in a “crisis” EU debt (Eurobonds) can be created without citizen input and through a fast-track procedure (as with the corona recovery fund, the financing of Russian assets, etc.). Through the back door, the elite has seized power in the EU, and this elite believes it is possible to complete the European Union through fraud and common debts. Draghi worked at Goldman Sachs and became president of the Bank of Italy in 2006. Trichet was president of the ECB. Lagarde sat on the Supervisory Board of ING/NN for half a year in 2005 — the bank that forms the central pivot in the Worst Bank Scenario. Lagarde subsequently became Minister of Finance, with Macron working under her. He joined the Attali Commission in 2007 and was seconded to Rothschild in 2008 — the bank that advised among others the Dutch state on bank rescues. Lagarde succeeded the Frenchman Strauss-Kahn at the IMF in 2011. While bank directors and other financial executives are subject to fit-and-proper tests — where a fraud conviction is an obstacle to appointment — this is apparently no issue at all at the ECB. Draghi (then still president of the Bank of Italy) and Trichet used LCH.Clearnet in 2010/2011 (the year Regulation 2011/1176 was adopted — the foundation for the NextGenerationEU plan that was launched under the guise of Corona in 2020). By adjusting collateral requirements (haircuts), they manipulated Italian interest rates so that the asset purchase programme could be expanded even further once Draghi became ECB president. Draghi, himself a Goldman Sachs alumnus, wanted — “whatever it takes” — to narrow the interest rate spreads between Southern and Northern member states (with the ultimate goal of European own resources and Eurobonds). In 2015, banks and insurers were separated and interest rates were pushed into negative territory so that banks would pay for this enormous collateral upgrade for OTC derivatives, which they executed via the central banks. Attali advocated in 2015 for European defence bonds. Corona was seized upon to finally launch the eurobonds. Thanks to the amended Treaty of Lisbon, without any input from troublesome parliamentarians or citizens. The ECB is by no means independent. It is being used by the establishment to carry out the Worst Bank Scenario in order to realise the European Federation (transfer union) — among other things through the ESM and hundreds of billions in state guarantees granted since 2012 (the Netherlands alone more than €200 billion). Read Worst Bank Scenario.

Is the Financial Ombudsman Service @financialombuds fit for purpose? We’re about to find out in real-time. We are publishing every single update from our new Professional Representatives Complaint. No more "private" correspondence. Just radical transparency for the public interest.

Let’s remember Bertie’s rushing back from Summer holidays in 2007 due to concerns about the banks. His likely concealment of the enormous collateral shortfalls in Ireland & the EU @Wftproof His evidence at the Banking Inquiry that he wasn’t close with any property developers - only for Sean Dunne’s wife Gayle Killalea to recently declare Bertie a close family friend; His likely knowledge that Ulster Bank SMEs were being used unlawfully to bail out the UK through fraudulent sale of swaps & rampant overcharging on home loans; And his brazenness to muscle in & declare interest in becoming President of Ireland….

With former Taoiseach and professional parasite Bertie Ahern back on the grift again trying to capitalise on public concern about immigration and the housing crisis, let's remember exactly what this chancer did to our country. And unlike Bertie, the Dublin Time Machine has all the receipts! The Mahon Tribunal, the Moriarty Tribunal, the Philip Sheedy affair each exposed Berties brown envelopes. As Minister for Finance in the early 1990s, he received IR£39,000 from a circle of businessmen. He described these as "dig-outs" from friends during a messy separation. When the payments surfaced publicly in 2006, Ahern was dragged into the Mahon Tribunal, set up to investigate corrupt payments in planning. Over years of questioning, the tribunal discovered lodgements of IR£165,000 into accounts linked to Ahern and his associates. His explanations, horse-race winnings, generous landlords, even foreign exchange quirks, were dismissed as "untrue," "bizarre," and in many cases simply impossible. He claimed he operated in cash during his years as Minister for Finance, using a building society account rather than a standard bank account. Our Minister for Finance! Imagine the level of contempt for Irish citizens you need to have to say that with a straight face under oath. The Tribunal stopped short of branding him corrupt. But in March 2012, its final report concluded that Bertie failed, on 22 separate occasions, to truthfully account for the origins of his money. He resigned as Taoiseach in May 2008, and 4 years later quit Fianna Fáil before they could expel him. But this was only one layer of slime. When the Moriarty Tribunal examined Charlie Haughey's finances, Ahern's name surfaced too. He admitted as party treasurer he signed blank cheques for Haughey "for administrative convenience." If the money scandals painted Ahern as evasive, the Sheedy affair made him look utterly compromised. In 1998, Ahern contacted a judge about the case of Philip Sheedy, a businessman convicted of dangerous driving causing death. Sheedy, a friend of Ahern's circle, was granted early release under murky circumstances, and two judges subsequently resigned over the affair. The public backlash was immediate, feeding the sense that connections mattered more than justice in Ahern's Ireland. If Bertie's personal finances were shaky, his stewardship of the nation's finances proved catastrophic. Under his watch, tax breaks for developers and light-touch regulation allowed a property bubble to balloon. When it burst in 2008, the Irish economy collapsed, dragging an entire generation into debt and unemployment. Ahern later admitted that his decision to create a Single Regulatory Authority in 2003 was a mistake. In his own words: "If I had a chance again I wouldn't do it." It was a staggering confession, given that the collapse of Ireland's banking sector was rooted in precisely that structure. Then there was the pension. Having once promised to forego part of his estimated €150,000 annual pension during the crash years, Bertie quietly took it back! Incidentally, this "man of the people" is making a fortune on the international speaking circuit selling lectures. He has been listed with agencies such as Thinking Heads, with fees for private international engagements advertised in the range of $30,000 to $40,000 per appearance. Whether those are confirmed rates or agency wishful thinking is another matter. I have no idea if or what he charges for his "lessons of the Good Friday Agreement" ones. So when you see him trying to rehabilitate his image remember him in that pathetic 2010 advert for the News of the World, crouched inside a kitchen press with tea and biscuits. A shameless shill willing to whore out the dignity of the office of Taoiseach for a few more shekels to add to his already substantial fortune. An embarrassment to our nation, a greedy chancer without a shred of integrity or ounce of respect for the Irish people! SOURCES FOR ALL IN COMMENTS