Kashif Shabir

📌 BBC Panorama episode from 7 April 2025 - ‘Did Lloyds Bank Fail My Business? Watch it. It was only ever the beginning. What couldn’t be aired, who resisted it, and what happens next - that’s the next chapter. @LloydsBank @LBGplc #Budenberg #Panorama bbc.co.uk/programmes/m00…

Wishing you Health, Happiness and Success in all your endeavours in the year ahead. Happy New Year, with Love from Kash and Family. ❤️🙏☺️

The Business Banking Resolution Service admits in Court it was setup to be deliberately unfair, had no duty to complainants, only obligations to the interests and reputations of the banks, and because they paid for it! Contrary to what Treasury Ministers, banks and UK Finance declared when it was setup. For example, John Glen MP, when he was Economic Secretary to the Treasury and the most ardent of campaigners for the BBRS as opposed to Independent Tribunals said: “The Business Banking Resolution Service (BBRS) … offers a free, independent service … The Government has always been clear that the independence of the BBRS is vital to its role.” WHEREAS, Barrister Tom Leary representing the BBRS in a recent Court case said [taken from the transcript]: “The BBRS has fundamentally different obligations vis-à-vis the participating banks … and complainants like Mr Kriwald.” He explained that “the disparity between the obligations is a deliberate feature of how the scheme has been constructed.” He said: “It was the participating banks that set up the scheme … they continue to pay for it. So, it’s their money and their reputation at stake.” He also asserted that complainants “have it gratuitously available to them” and “cannot enforce the scheme rules.” The BBRS literally argued in the Court that the BBRS was not only not independent but that it had been deliberately setup not to be and was setup entirely to protect the interests of the banks who had paid for the scheme. No shit Sherlock! Of course it was. But it wasn't just John Glen MP ho declared it's independence. Here are some other statements asserting that the BBRS would be (or is) independent and/or fair: Andrew Griffith MP (Economic Secretary to the Treasury) (Written PQ answer, 30 Jan 2023): “The BBRS… offers a free, independent service designed to settle unresolved… complaints… Over 99% of UK businesses can access independent dispute resolution either through the FOS or the BBRS. The Government has always been clear that the independence of the BBRS is vital.” UK Finance (trade body speaking for the banks), Stephen Jones (CEO) (press statement on BBRS build-out): “Today marks an important milestone in the creation of a resolution service for businesses that is trusted, transparent and fair… Once fully operational… access to this independent service…” Barclays (corporate site) (Regulatory Information page announcing BBRS): “A new, independent dispute resolution service is being established for eligible small and medium-sized UK businesses…” Lloyds Banking Group — Charlie Nunn (Group CEO) (oral evidence to the Treasury Committee): “I would still see the BBRS as independent, and that is true of all the bodies in the industry… that are funded by the industry. We have independent ways of operating.” Santander UK (Business terms/complaints documents): “You may be able to refer a complaint to the Business Banking Resolution Service (BBRS), an independent organisation set up voluntarily by participating banks to resolve disputes…” HSBC UK (complaints correspondence language reused in council-published PDF): “The BBRS is an independent organisation set up voluntarily by participating banks to resolve disputes. The BBRS is free to use…” Addleshaw Goddard (law firm advising the founding banks) (launch note): “BBRS is a new, independent, dispute resolution service for small and medium-sized businesses in the UK.” Of course Addleshaw Goddard were involved and paid to set this bogus scheme up. And being the lawyers involved will have absolutely known how the scheme was setup to favour the banks and the false representations made to conceal the scam. And will the Treasury, John Glen and Andrew Griffith now demand answers and now give all affected businesses access to a proper scheme to right these wrongs? Great piece, as always, by @jameshurley of the Times covering this. thetimes.com/business-money… @TransparencyTF @IFSAPPG @APPGbanking @BBRSnews @premnsikka @theoracle99 @paullewismoney @andyverity @JohnGlenUK @griffitha @markbishopuk @mickmor16921994 @Kashstpierre @AGinsight #bbrs #irhp #fraud #lloyds #santander #barclays #hsbc

“Abattoir, not a support system” Scottish Business News covers the BBC Panorama exposé into ⁦Lloyds Bank. Victims in Scotland have already reached out. The scale of this is becoming clear. #EpisodeTwo #LloydsBSU #Panorama @LBGplc @DeloitteUK @TheFCA scottishbusinessnews.net/lloyds-bank-ac…

“I’ve never heard it described like that before.” The Producer after last week’s interview. Game-changing footage. Interviews filmed. Everything corroborates. This next one…will hit different. #ComingSoon #EpisodeTwo #LegacyTradeOff #PostPanorama @DeloitteUK @TheFCA @LBGplc

If Bristol wasn’t logged as a Contingent Liability: • Legal didn’t raise it • CFO didn’t log it • Auditor didn’t flag it • Board didn’t disclose it • AGM didn’t address it You can’t fake a paper trail This one leads straight to Episode Two @LloydsBank @DeloitteUK @TheFCA

The Post Office now agrees: Restorative Justice is the only way forward. But at Lloyds: • GC signs the Letter of Representation • CFO signs the numbers • Auditor signs off the accounts The signatures are yours. The consequences will be too. @TheFCA news.sky.com/story/at-least…

You can replace the money. Who replaces the life? The Auditors are watching. But who’s counting the casualties? I knew a Lloyds Bristol victim who died seeking justice. HBOS victim Noel Edmonds “attempted suicide”. #Budenberg #EpisodeTwo @LloydsBank @CrownEstate @DeloitteUK

“I am responsible.” They called it a Legacy Issue. It was legacy. Now it’s liability. For who - The CFO, The Auditor or The PI Insurers? The “one responsible” leaves the Crown. But not the story. #EpisodeTwo #Budenberg #Legacy @LloydsBank @DeloitteUK @TheFCA @TheCrownEstate

Bristol Fraud, BSU, The Bailout: all still haunt Lloyds as ‘Legacy Issues’ Yet those who designed the Bailout, chase legacies of their own First it was customers who paid the price - now, it’s colleagues. #LegacyTradeOff #Budenberg @LloydsBank @TheFCA @CrownEstate @DeloitteUK

When CEO’s mislead Regulators, they lose their careers. Jes Staley was banned by the FCA - not for Epstein, but for lying about Epstein. The concealment of a Crime is a Crime. Legal integrity matters. #Lloyds #Governance #Accountability @LBGplc @TheFCA standard.co.uk/business/busin…

🎥 Two years ago, I called it. BBC Panorama confirmed the system I exposed - even after Lloyds tried to interfere. What’s coming next is global, forensic, and backed by whistleblowers. No edits. No influence. No escape The reckoning awaits #NextChapter #LloydsBank #Budenberg

BBC laid the foundation. ITV gave it form. What comes next gives it weight and permanence. This was never just about loss. It’s about the System that enabled misconduct, protected prejudice, and kept quiet - long after it knew the truth. #GuardianKnight #NextChapter #Lloyds

The next chapter is in motion - an exposé on the architects of the scheme. Internal documents. Hidden instructions. Emails never meant to surface. Beyond Lloyds - to those who enabled it, shielded it, and failed to stop it. Those with oversight. Some names come with Honours.

Noel Edmonds’ @ITVX programme echoes what we exposed on @BBCPanorama. “The Lloyds CEO Antonio Horta Osorio, Chairman Lord Blackwell, and the entire senior management have consistently LIED to victims, to Parliament, to Media, to Police, to the FCA and to the Serious Fraud Office

When a person of colour is tasked with cleaning up institutional misconduct rooted in systemic abuse That’s not progress. That’s structure.

A well-known producer recently asked me: “Has the General Counsel and Auditor seen what you’ve uncovered?” The bank has now confirmed it - in writing. Not to me. To the outside world. Sometimes they expose themselves. #Lloyds #AuditTrail #BoardAccountability #Regulation

🎥 The second chapter is underway. This time, there’s no edit, no legal caveats, no soft hands in post-production. Just the boardroom, the emails, the voices and the Chairman, front and centre. @LloydsBank @LBGplc @LBFEW @DeloitteUK #LloydsBank #Budenberg #InstitutionalExposure

Following last month’s ⁦@BBCPanorama⁩ episode of the fraud in ⁦@LloydsBank⁩ BSU and Bristol. Here’s a refresher of some older content whilst we film a longer documentary. More whistleblowers and shocking internal emails to come! A real deep dive into the Board Execs!

Lost in the wilderness…….