Chris Coomber

@stevemiddi1 @AsVanDerW @TheFCA @BankConfidenti1 @efgbricklayer Especially LPA Receivers...enablers, grifters, fraudsters, parasites...maybe not all but my experience involved 6 of them...all shown to be massively interlinked, acting in concert...and total scumbags

They are modern day Dick Turpin’s, thieves & blackmailers hiding behind aggressive lawyers because they don’t have the intellect to speak for themselves. They’re little more than inverse loan sharks, they didn’t lend you the money but happy to take the extortionate “Vig” to asset strip you.

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

@stevemiddi1 @AsVanDerW @TheFCA @BankConfidenti1 @efgbricklayer They hide behind the supposed officer of the court status, and exploit their true status in law that they are NOT!!

@AsVanDerW @TheFCA System is so corrupt, I've just studied a file where an insolvency practitioners on a bank fraud victims case re-opened a bankruptcy & charged £100k for no proven debt, they owed nothing. And these crooks call themselves officers of the court... @BankConfidenti1 @efgbricklayer

In Britain they’d have you believe Muslims are taking over. Oh yeah with huge numbers of 6%. Fucking get a grip you racist dickheads!

I find it insane that calling people liars is banned in Parliament. It's like banning the word 'book' in a library.

.@zarahsultana has just been kicked out of the commons for calling Starmer a barefaced liar. Zarah is spot on. Keir Starmer is a barefaced liar. We all know it. And as for Lindsay Hoyle. I'm old enough to remember what a corrupt speaker he is.

@BBCWorld @Malik__73

🚨 WATCH: Zarah Sultana is suspended and removed from the House of Commons for calling Keir Starmer a liar "I have a duty to my constituents to tell the truth and the Prime Minister is a liar"

@stevemiddi1 @MarkAddy121 @EamonnBlaney @LloydsBank @NatWestGroup @TheFCA Spot on...been there

@EamonnBlaney @LloydsBank @NatWestGroup @TheFCA Well Grok at least attempts to apply the Rules & law, @TheFCA much like the Judges on bank cases, start the process with the judgement & then work back through the evidence trying to make it fit...

I put 5 internal @LloydsBank credit documents & 5 internal @NatWestGroup credit documents on Fixed Rate Loans into Grok & asked it if @TheFCA could in good faith refute our allegations on the FRL Fraud to which it said - NO, THE FCA CANNOT IN GOOD FAITH REFUTE THE HIDDEN CREDIT LINE FINDINGS AFTER SEEING THESE INTERNAL BANK RECORDS This is what I showed it & why in 15 seconds Grok could work out what alleged treasury 'experts' & 'expert' lawyers & barristers haven't in 15 years: The FCA repeatedly claims Ulster Bank & Lloyds Fixed Rate Loan (FRL) customers had no derivatives, no swaps, and no real credit risk lines — just “nominal” internal risks or “errors”. Internal bank documents from two real FRL cases prove the opposite. Lloyds FRL example (2007–2009): a. Credit Proposal form (Dec 2007) lists a £1m FMD as a Hard Facility alongside the main loan. b. CAPS Customer Records Sheet has “Derivatives” explicitly ticked. c. Summit Swap Ticket (Aug 2009) shows a live £10.85m swap (fixed rate 5.185%, 10-year term). d. Deal ticket shows the bank booked £179k upfront Added Value (AV) commission. This was not a simple fixed-rate loan. Ulster Bank FRL example: a. Internal credit file shows a separate line: “Interest Rate Swap/Hedging” £180,000 approved limit. b. March 2009 internal emails: “The swap limits for the below customers have gone into excess today. Can you please get the limits increased.” c. GRG team emails refer to the customer’s “associated swap line / swap facility”. d. Sept 2012: Bank crystallised and debited £119,521.50 break cost from the customer’s account and paid it to London Markets. This was not a simple fixed-rate loan — it definitely carried regulated derivative/swap risk. These are the banks’ own contemporaneous records — credit proposals, CAPS sheets, live swap tickets, and internal emails. They prove: Real derivative (swap) trades existed Real, monitored hard credit lines were booked against the customer Limits were actively increased when rates fell Break costs were crystallised and taken from customer accounts This is exactly the “hidden credit line” mechanism described in the BankConfidential report. It directly contradicts the FCA’s statements that: 1. These FRLs were “not IRHPs” 2. Credit lines were only “nominal” and could not affect covenants or defaults 3. Swap references were just “erroneous wording” These documents show the FCA’s position on FRLs is false. Despite seeing all 10 internal bank documents proving hidden credit lines and regulated derivative risk on Fixed Rate Loans, the FCA still refuted our claims and misled Parliament. Time to call for criminal investigations into the FCA executives responsible for the ongoing cover up! @BankConfidenti1 @CarshaltonArt @MLorrM @mickmor16921994 @james_glanville @efgbricklayer

Funny that. A full-blown genocide doesn't even ruffle your feathers!

One of the lesser-talked-about effects from spending years in survival mode, all of your energy is conditioned to activate when survival is at stake. You learn to function under threat, urgency, and fear—not desire, curiosity, or choice. So when the abuse finally ends and you’re in a safe place, the nervous system doesn’t suddenly come back online. It often does the opposite. You feel empty. Exhausted. Unmotivated. Tasks that aren’t urgent or survival-linked don’t trigger energy release. “Wanting” feels unimportant, not because you don’t care, but because wanting was unsafe or irrelevant for so long. Now your system is relearning how to mobilize without the constant threat. This isn’t laziness. It’s a predictable outcome of prolonged danger. If this resonates, know this: your system kept you alive. Show yourself some understanding — and respect. You deserve it.

Cunt sacked himself for being a racist cunt. Fair play. 🤣🤣🤣

Proud to represent Lorraine Morris @MLorrM whose compelling words were heard at the recent Westminster Hall debate on Hidden Credit Liabilities, exposing the devastating tactics of certain banks that mirror the “Worst Bank Scenario” I’ve fought to uncover for years. Listen 👇: parliamentlive.tv/Event/Index/67… Like me, @MLorrM is a senior capital markets and derivatives lawyer. She was headhunted to act as an expert to the Irish Banking Inquiry (departing the Inquiry due to improper vested interest control), Lorraine’s quotes before MPs laid bare the asset stripping of SMEs and entrepreneurs via OTC derivatives sold as “protection” when achieving the opposite. We continue to research and work with victims of these heinous frauds who continue to face a deeply challenging fallout. It is time for admissions before more lives are destroyed. #HiddenCreditLiabilities #WorstBankScenario #BankingInquiry

I don't normally publish conversations with Downing Street but this was my initial exchange with Downing Street's then director of communications over Mandelson failing vetting on 11 September last year.

He knew. Keir Starmer is a liar.

This photo of Peter Mandelson arriving at Downing Street (with the green-striped DV pass visible) is dated 14 January 2025. That's roughly two weeks before the 30 January 2025 Foreign Office letter confirming his clearance. Starmer is clearly lying.

Just to be clear, 172 Labour MPs demanded Corbyn go a year before he got 40% at a general election. But not 1 thinks Starmer should resign for this disgrace. No wonder the party polls 17% now.

David Maddox, The Independent, says that he knew Mandelson had failed security vetting, published an article, and contacted the head of communications at Downing Street in September So the idea that Labour's Downing Street only just found out is not true

No 10 knew Mandelson failed security vetting 7 months ago. MI6 didn't clear Mandelson, because of his links to China. Starmer can't win this debate. Why did he not ask whether Mandelson had got security clearance? If he knew, why did he appoint him? independent.co.uk/news/uk/politi…

@EthicalApproach The Chronology, when the hidden stuff is revealed, tells the whole story.

The Judiciary cannot hide timelines and basic logic behind a process full of nonsense. There is a simple difficulty which no volume of procedure can resolve. Time does not bend, sequence does not rearrange itself and logic does not yield to process. Where events occur in a defined order, that order carries consequence. • A decision taken before evidence is received… • A conclusion reached before facts are examined… • A process relied upon after the outcome is already fixed… These are not matters cured by reference to rules. They are matters exposed by chronology. Once the timeline is set out, plainly and without embellishment, the question is no longer what is said to have happened, but what must undoubtedly have happened. No procedural complexity, however elaborate, can obscure that for very long at all. And, we have it all - all primary, all on their systems and now, in our possession.