Lorraine Morris

I went to work in New York City in 1993. I was already a qualified lawyer in Ireland. In 1994, I was hired by Paribas (French broker dealer) as a foreign attorney. I passed the New York Bar in 1994 on the first attempt. By the time I left NYC in 2000 to return to Dublin, my employment package had multiplied by circa 5. Cut to 2015 - a bent barrister - Senan Allen - fabricated a report about me to shield banks from scrutiny in the Irish Banking Inquiry. Ireland had sold itself out to Wall Street’s titans & Epstein’s associates - Leon Black / Apollo / Cerberus / Arrow Global as well as to Lone Star. Ireland was entering into an era of enforcing against the artificially distressed loan. It is ongoing & it is aggressive. The effects are devastating and I will continue to draw attention to this momentous scandal with the help of @Wftproof Please share your experiences. @SamanthaLaDuc @kshaughnessy2 @Wftproof @WinkSabee @ClaudiaWinkle @ThisisDavina @jemmm85517813 @drcmday @keira_con @MaryLouMcDonald @JulieCo64621732 @BlowersIreland @NiamhParker4 @Jklunden

Lawyers should refuse unlawful instructions. They have an obligation to the wider public interest and to the proper administration of justice. Many will however not be able to refuse the opportunity for 💵 💸- no matter what sordid circumstances surround their clients’ activities.

@stugoo17 @AllisonPearson The people who instructed the lawyers are the ones to go after. Lawyers do what can be done within the legal framework they work in on the instructions of their clients. It is the clients who need to be named & shamed for behaving so appallingly that they drag these claims out.

#PostOfficeScandal #ParmodKalia #StateSponsoredCrime The Quiet Dignity of Parmod Kalia (6th December 1958 –13th March, 2026) Parmod Kalia was a trained Banker. An Associate of the Institute of Bankers. Assistant Bank Manager. Treasurer of an International Charity. A man for whom every penny had to be accounted for. He chose the Orpington Post Office for the quiet life. Stable hours. Time with his wife and four children. The Horizon system repaid that modest ambition with a phantom shortfall of £22,202.01. Post Office Ltd told him he was "the only one." The National Federation of SubPostmasters — his supposed protector — told him to repay the money and fabricate a story. He borrowed £22,000 from his Mother's life savings. Post Office pocketed every penny. Then they prosecuted him anyway. 6 months in Prison. 14 years in hiding. 3 occasions where he nearly took his own life. A 17 year estrangement from his son Mahesh, who was just 17 when they took his father away. Children who grew up asking: "Dad, have you taken the money?" His own children. Asking if their father was a thief. Because the State told them he was. His conviction was finally quashed in May 2021. He should have spent his remaining years in peace, rebuilding what was stolen. Instead, the Post Office unleashed elite City law firms to fight tooth and claw over every penny piece of his Redress. They challenged causation. They delayed. They low-balled. They rejected his interim claim of £100,000 on "public interest grounds." Highly paid lawyers — billing more per hour than Parmod earned in a week — deployed forensic cruelty against a traumatised, terminally declining man whose only demand was that someone look him in the eye and say: 'we did this to you, and we are sorry'. He tragically died on March 13, 2026. Still fighting. Still waiting. Still uncompensated. Still dignified. The inhumane savages masquerading as lawyers who wage this war of attrition against Parmod, his family and hundreds like him will simply move on, adjust their cufflinks, sip their flat whites, and open the next file. Another victim. Another billable hour. This obscene tragedy simply cannot continue. The time is long overdue for the Prime Minister to intervene — to show some leadership, some backbone, and some basic human decency. These are not commercial disputes. These are traumatised victims of a State-sponsored crime. The lawyers instructed to handle their redress must be ordered — ordered — to show compassion, humanity, and urgency. Every day of delay is another day stolen. And as Parmod Kalia's demise has proved, the days run out. Rest now, Parmod. The truth outlived them all. The shame belongs to those who made you wait. @Keir_Starmer @darrenpjones @biztradegovuk @AGinsight @liambyrnemp @commonsBTC @RachelReevesMP @DavidDavisMP @kevinhollinrake @CastletonLee @Janetsk20073533 @SeemaMisra_OBE @edwardhenry1 @BBCEmmaSimpson @nickwallis @Karlfl @marksweney @hrw @Cyclefree2 @DanNeidle @SkyNewsAdele @BBCBreakfast @ElCShaikh @VarchasPatel @Pinsent_Masons @hmtreasury @HouseofCommons @premnsikka @TimBushLondon @UKHouseofLords @TjX50 @Malcolm22206844 @NFSP @postoffice @PostOfficeNews @NFSP_UK @voiceofthepm @NigelRailton

@william30726399 @stugoo17 Indeed - it is beyond belief.

I find it very difficult to imagine how the British Establishment has, from beginnings of honesty and integrity in the 1950's has become a corrupt, greedy, unlawful and unprincipled part of our lives. Politicians lie and prevaricate, all out for themselves, without a thought for the devastated lives they leave behind in their scummy wake. I once thought Starmer was a man of principle. How wrong I was. RIP Parmod Kalia.

“Global hedge funds suffer worst losses since tariff 'Liberation Day’ on Iran conflict” “Global hedge funds are suffering sharp losses amid the escalating conflict with Iran, according to a recent memo from J.P. Morgan.   The bank said hedge funds have recorded their steepest decline in value since what is known as the tariff “Liberation Day,” a term coined by US President Donald Trump when he imposed tariffs in April….” argaam.com/en/article/art…

Looking to ascertain whether vultures & credit servicers have genuinely been versatile in their approach to borrowers as suggested by the Deputy Governor of ⁦@centralbank_ie⁩ ?

@c22cuk Thank you. I note - “It is also feared that some loans may prove to be unsecured and therefore irrecoverable, with allegations that security has been granted to two or more financial institutions at the same time over the same property, in a process known as "double pledging".”

What is the £1.3bn MFS mortgage scandal and what is private credit? info - Lorraine Morris @MLorrM theguardian.com/business/2026/…

Engage with the credit servicers who are extracting funds from borrowers - to make up an acceptable income stream for the unregulated beneficial owners - appears to be message from ⁦@centralbank_ie⁩. irishtimes.com/business/2026/…

Yes, I had an inkling @SimonHarrisTD was not exactly truthful in his wholly inadequate replies to @kenoflynnTD.

@SimonHarrisTD So the question follows - what does one do when one takes the information to the Central Bank and they take no action whatsoever?

Was answered as follows by @SimonHarrisTD ? I propose to take Questions Nos. 361, 362, 363, 364, 365 and 366 together. The Central Bank of Ireland is the independent supervisor of all regulated financial service providers. The Central Bank of Ireland has a wide range of regulatory functions in relation to the supervision of such entities, and it also has a wide range of powers to enable it to carry out those functions as provided for in the Central Bank Acts, other designated enactments, regulations and codes of practice. All regulated entities must comply with the relevant provisions of those enactments, regulations and codes, including as applicable the Consumer Protection Code. If a regulated entity fails to comply with a relevant legislative or regulatory provision, including a consumer protection regulatory provision, it is a matter for the Central Bank to investigate and enforce such provisions as its considers necessary or appropriate having regard to the circumstances of the particular case. The Central Bank is independent in the decisions it makes in relation to such matters, and it does not report to the Department of Finance on its engagement with individual regulated entities. However, it should be noted that the Central Bank issues public statements at the conclusion of enforcement actions and in respect of other enforcement actions, and this information is available on its website. In general, the Central Bank aims to ensure that regulated firms are financially sound and safely managed, and that they operate honestly, fairly and professionally in the best interests of its customers and the integrity of the market. If any individual has specific information to suggest that a regulated firm is not complying with requirements under any aspect of the financial services legislative or regulatory framework, they should bring that information directly to the attention of the Central Bank of Ireland. If a consumer is not satisfied with the way a regulated firm is dealing with them, or if it is not complying with the regulatory requirements, the consumer should make a formal complaint directly to the regulated firm in the first instance. If the consumer remains unsatisfied, they can then refer the complaint to the Financial Services and Pensions Ombudsman.

365. Deputy Ken O'Flynn asked the Tánaiste and Minister for Finance if the Central Bank has initiated, or is considering, a system-wide thematic review of mortgage-repayment calculation accuracy across all lenders in light of Ulster Bank's June 2025 disclosures; and the Department's understanding of the purpose and scope of such a review where applicable.

Private Credit Panic Hits Consumer Loans. Buy Now Pay Later is Biting Back Proving It’s Not Just AI/Software Loans Making Investors Nervous Stone Ridge’s LENDX fund is giving investors $.11 for every $1.00 they wanted out of the fund. “..For context: Cliffwater is paying out ~50% of redemption requests. Stone Ridge paid 11%. Stone Ridge founder Ross Stevens made headlines in January for a $100M gift to the U.S. Olympic Committee. This week he is managing a fund where investors got 11 cents on the redemption dollar” @UnicusResearch wsj.com/finance/invest…

@OdalyKarl36403 🙏So what rate would have typically applied to the original mortgage with KBC in these circumstances - by way of example?

@MLorrM Plenty of 8% rates about. If you were in arrears with KBC 6 yrs ago you were 4.25% variable about 1.25% higher than aib etc..with the rate cycle increasing 3 yrs ago they all went up when the loans were sold. They haven't come down.

While there was some peculiar information imparted during today’s Finance Committee [on the topic of non-bank entities pursuing borrowers (aka credit servicers & vultures)] - also two key positive takeaways: Aisling Menton, Head of Retail Credit confirmed that non-bank lenders are obliged to consider borrower solutions — including potential interest rate reductions. She said that borrowers who contact the Central Bank about mortgage difficulties may not receive a direct reply, but that information can and does feed into regulatory intervention with the non-bank “lender” - the entity pursuing borrowers. So if you are in difficulty with your mortgage, please do contact the Central Bank, as apparently your voice matters and it potentially could make a real difference. Other key positive takeaway - your terms & conditions cannot be unilaterally amended. I have received evidence that these unilateral amendments have been occurring, where more onerous terms are being foisted upon borrowers, so it will be interesting to learn how @centralbank_ie addresses these matters following today’s confirmation in the meeting. Question: 8% interest rates - they arise on two counts, according to Deputy Governor - because the mortgage was originally subprime (circa 6%) or rates were required to be increased recently due to market conditions. Are there any folks out there who are paying 8% or more, having had an originating mortgage on a much lower rate? @PearseDoherty @Farrell_Mairead @JMcGuinnessTD @kenoflynnTD

Precisely. The direct opposite of a recovery department, it was a slaughterhouse.

Pearse why are the opposition ignoring Alan Merriman’s resignation from Elkstone. What has Mary Lou been hiding from the Party? Pictured here with the Founders of Elkstone and Jeffery Donaldson. How can @sinnfeinireland be taken seriously 😟 certainly a slap in the face for real republican families. Take the reins Pearse and stand up for Irish Citizens property rights.

The top Irish banks were unjustly enriched by artificially distressing viable loans. ⁦⁦@PearseDoherty is in receipt of the evidence regarding Ulster Bank - about which I spoke in Westminster. So a “slap in the face” does not quite cut it. extra.ie/2026/03/17/new…

@OzzyJellyEllie @BridgetGoulding @MichealMartinTD @SimonHarrisTD They certainly did sell their own people out for financial gain. Aggressively and it is ongoing.

I believe they do see it, but they're not allowed to publicly admit it. There's also a huge financial incentive for them to go along with EU directives. It's actually sickening to think they could be selling their own people out for financial gain. Are they that devoid of a moral compass?

During my 25 years living as an expat abroad, every year I would hold my head up high on the day the world stopped for my country. On St Patrick's Day I often spoke at events and on radio about the pride I had in my nation. I wrote articles for the media and for a time I even lectured at some universities. I spoke of St Patrick and what it was like growing up in Catholic Ireland. I spoke of Celtic society and Brehon Law, how Irish women enjoyed unheard of rights at the time. I spoke of our conversion to Christianity. I spoke of the wars visited upon us and our painful colonial history. I also spoke of modern Ireland, our achievements, our rich culture, our beautiful language and our wonderful music. I spoke about our humour and ability to turn even the darkest things into a joke. I spoke about our politics, our high levels of home ownership and our exceptional educational system. I proudly shared with the world what being Irish meant to me. I took pride in my identity, my culture, my country and I never turned down the opportunity to talk about my nation. Today, I'm living in Ireland and like many others, I am utterly dismayed. Irish pride doesn't exist anymore because it's been hammered out of us by our NGO controlled government. National pride is considered racist and intolerant. Flying our flag is virtually illegal and can get you thrown out of a pub. And don't DARE speak out against anything or you'll be torn apart by Far Left zealots!  Irish advertisements for things as simple as a mobile phone, cheap clothing or a day at the Zoo, MUST feature an African, Indian, Muslim or a man in a dress. The messaging is being rammed down our throats every single day and it's relentless. It's on buses, trains, supermarket flyers, shop windows, TV and screens everywhere.  It constantly reinforces: We are not white We are not Christian We are not either male or female We do not live predominantly in nuclear families We are not depressed or angry We are one big happy, homogeneous family where everyone hugs and sings kumbaya around the dinner table in their fictitious house in the evenings. We are told: We do not have an illegal migrant problem  We do not have a sexual assault problem  We do not have a housing catastrophe  We do not have a broken healthcare system  We do not have young educated men and women leaving the country in droves We do not have AGP men in women's single sex spaces It's all in our imagination folks! A nation isn't a vague concept, it's defined as a large group of people who share a common collective identity, rooted in shared cultural, linguistic, historical, or ethnic characteristics.  Ireland is a nation and Irish is an ethnicity. Saying so is not racist, exclusionary or phobic. We share a sense of belonging based on a common language, religion, traditions and history. We are bound together by a belief and value system that is unique. Our cultural foundation allows us to live and function as a cohesive society. Fracturing that foundation has profound and severe consequences. This St Patrick's Day, I see proof all around me of our fractured cultural foundation. The rapid demographic shift caused by migration. The unintegrated parallel groups that now make up many Irish neighborhoods. The economic disparity and the utter destruction of the social contract where people no longer have a stake in the system. No matter how hard they work, the vast majority of Irish people will never own a home.  In 2026 the legal and moral relativism in plain view shows there is no longer a shared definition of justice, family, or even truth in Ireland. The glue that holds Irish society together has dissolved in the melting pot of globalism and failed multiculturalism. And it's not accidental. So I wish you a Happy St Patrick's Day wherever you are in the world. Enjoy the shamrocks and the party. The Ireland you're celebrating doesn't exist anymore. Welcome to the new Globalist Republic.

@premnsikka Mirroring practices in Ireland where there are reports of unnecessary work being done. A hygienist appointment running at 100 euro for approx 20 minutes recently.

Curse of private equity. US PE-owned dentists Raise prices. Stretch appointments for higher fees. Focus from prevention to lucrative restoration procedures. Unnecessary tooth extractions and root canals. High staff turnover. Curse arrived in the UK slate.com/business/2026/…

Thank you so much. It was interesting to discuss the similarities in approach by various UK & Irish banks - whereby the “sale of” the interest swaps were accompanied by false labels such as “protection” and even “insurance” products, which is fundamentally deceitful

@NorthernPeasant Indeed

@MLorrM Tip of the Rehypothecation Iceberg.

These revelations are very concerning in light of borrowers highlighting in Ireland that the contracts supposedly underpinning their mortgages are not contracts they had reviewed and executed - leading to serious concerns about the integrity of the central credit register managed by @centralbank_ie