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

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”

@Nat_Worst @efgbricklayer @BankReformUK @drcmday @nw_nicholas @corruptionukorg He lied to us in Portcullis House meeting that the "Market Abuse" statement by Chris Sullivan, you repeatedly disclosed to @TheFCA who lied they couldn't find it, was made by Goodwin. The FCA tried to suggest that didn't happen but we can prove it did.