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Email: confidential@banklloyds.claims
Whistleblower hotline (01326) 560229

NOEL EDMONDS

EXPOSING CRIMINALITY
IN LLOYDS BANK

Countdown to LLOYDS’ Meltdown !

LLOYDS 2019 AGM- MAY16th- EDINBURGH
Noel Edmonds will expose the full extent of the crimes committed by Lloyds Bank.

Lloyds Bank has been fined for supporting arms dealing,money laundering and tax evasion (source:BBC), rigging interest rates,cheating shareholders and abusing its own staff. Lloyds Bank is engaged in “systemic wrongdoing and criminality” (House of Commons debate Jan 2018) and blocking police investigations (Thames Valley police).Lloyds Bank senior executives are guilty of “perverting the course of justice” (Anthony Stansfeld-Police and Crime Commissioner) and have misled the Lloyds Board in contravention of the FCA’s- Senior Managers and Certification Regime- (Mr Jonathan Laidlaw QC).

Lloyds Bank consistently demonstrates a total disregard for the financial regulations and the rule of law. The mastermind behind the Lloyds policy of ‘lie and deny’ is the Portuguese CEO, Antonio Horta Osorio who has consistently lied to Parliament, the Police, the Serious Fraud Office, the National Crime Agency, the FCA, the media, the shareholders and the British public.

Antonio Horta Osorio must now feel the full weight of English law and be charged with organising the massive, decade-long, coverup of Lloyds criminal activities in London, Bristol and Edinburgh. Osorio must now be charged with “perverting the course of justice”.The prosecution to be conducted in a Crown Court in front of a jury. Maximum jail term-LIFE.

 

Victims of Lloyds criminality in Bristol (BSU) contact- mcgrath703@hotmail.com
Lloyds Signature Forgery victims, contact- Facebook @BankSignatureForgeryCampaign
Lloyds CEO Antonio Horta Osorio resignation demands, contact-kevin.hollinrake.mp@parliament.uk
Prosecution of Lloyds Chairman Lord Blackwell, contact- Anthony.Stansfeld@thamesvalley.pnn.police.uk

PRIVATE PROSECUTION

The latest news concerning Lloyds- Britain’s most toxic bank- is very encouraging for all Lloyd’s victims.

CHANGE TO ANOTHER BANK

Collectively we have created a dynamic force against the corrupt senior management of Lloyds bank. Time to change to another Bank?

HORTY NOSORIO IS A BRAZEN LIAR AND CROOK

Time elapsed since HORTY NOSORIO publicly stated in 2017 that all victims of Lloyds’ criminality would be compensated-“fairly and swiftly”

LLOYDS BANK BRISTOL-COVER UP?

There’s enough evidence to suggest that a group of morally corrupt and possibly criminal professionals in Bristol have been running a sophisticated scam to defraud Lloyds customers and seize their assets. The Bristol victims also allege that there has been a cover-up in Bristol by Avon and Somerset police and their Police and Crime Commissioner.

THE LLOYDS VICTIMS SUPPORT GROUP


The group want to hear from you if you have any reason to believe that Lloyds acted unethically or dishonestly in how they handled your financial affairs.

CORPORATE GREED EXPOSED

Trashing the brand. Corporate greed exposed. Noel Edmonds will not rest until Horty Nosorio resigns and Blackwell is charged. Edmonds a life long animal lover will have the evil Black Horse put down.

NEW LLOYDS BANK AD

Thanks to Rogue Robot from Youtube with this brilliant new ad for Lloyds Bank. With a little help with the voice over..

BANKS PROFITING FROM SIGNATURE FORGERY

PPI is about to be eclipsed as investigations deepen in to banks profiting from Signature forgery.
A professional handwriting expert confirms that a Lloyds customer is a victim of bank forgery.

OPEN A FORENSIC INVESTIGATION IN TO LLOYDS BANK BRISTOL

Thames Valley police are now putting more pressure on their colleagues in Avon and Somerset to do the honest thing and open a forensic investigation into Lloyds bank headquarters Bristol. If you suspect you are a victim of Lloyds criminality then contact us immediately:

mcgrath703@hotmail.com
or confidential@banklloyds.claims

Or call our confidential hotline 01326 560229

 

 

 

BBC NEWS-LLOYDS BRISTOL COVER UP

At last the BBC are really getting their teeth into Lloyds and this appalling cover up. Surely Avon and Somerset Police must reopen investigations into Lloyds bank.

LLOYDS BANKSTERS ARE FINANCIAL TERRORISTS

Lloyds Banksters are financial terrorists ruining livelihoods and destroying lives in order to satisfy their personal ambitions and spread their evil doctrine. Together we can defeat them.

NOEL EXPLAINS HIS BATTLE WITH LLOYDS BANK

Noel is now generating massive levels of interest in his battle with Lloyds bank and so here he explains to the curious how the Banksters destroyed his companies and why he will succeed in securing the return of his stolen goods.

LLOYDS OFFER TO BUY NOEL’S SILENCE

LLOYDS BANK have tried in the last few hours to buy NOEL EDMONDS’ silence.

LLOYDS CEO-ANTONIO HORTY NOSORIO- has attempted to silence NOEL EDMONDS with an astonishing bribe.

HORTY NOSORIO needs to silence EDMONDS’, whose team has compiled an explosive report into the criminality in LLOYDS BANK and clearly he’s getting desperate.

LLOYDS BANK, in the last few hours, have offered a multi-million pound bribe to NOEL EDMONDS in return for him signing a “Gagging Order” and they wish to also impose it on Noel’s wife Liz! 

 

NOEL AND LIZ SAY- NO DEAL!

A MORE HONEST VERSION OF THE LLOYDS TV AD

Lloyds seem to think that they can distract people from their wrong doing with an advert full of heart-warming images of horses galloping on a beach. Unfortunately their use of the Dark Horse in their branding reminds us of their Dark Heart. If they told the truth their ad would be more like this!

ANTHONY STANSFELD IS A MAN ON A MISSION

Anthony Stansfeld is the Police and Crime Commissioner for Thames Valley Police and he is definitely a man on a mission. It is a great shame that other commissioners around the country are not following his example in pursuing banking criminality.

BANKERS NOT BANKS

Why do I focus so much on bankers rather than the banks themselves? I have learned a lot about the UK banking industry during my battle with Lloyds and I have realised that the problems within the sector are down to the morals of some of the people that work in it.

DO PEOPLE KNOW WHAT’S HAPPENING?

How important is it to me that people understand exactly what is happening in my battle with Lloyds? Is my fight simply a case of someone with a high profile taking on a large bank or is it something bigger that should be of concern to everyone in the country?

PM ASKED IF LLOYDS CEO SHOULD CONSIDER HIS POSITION

At Prime Ministers Questions in the House of Commons on Dec 19th Kevin Holinrake MP raised the issue of the future of the Lloyd’s CEO Horty Nosorio and that of the current flawed compensation scheme. There are of course many people who think both should be replaced.
 

BBC AND INDEPENDENT NEWSPAPER REPORT FCA UNDER FIRE OVER LLOYDS COMPENSATION SCHEME

The Financial Conduct Authority (FCA) has been criticised for allowing Lloyds Banking Group to set up a “flawed” compensation scheme for victims of a massive fraud.

The SME Alliance, which represents small firms ruined in the fraud, has filed an official complaint with FCA.

It accuses Lloyds of covering up its awareness of criminality and excluding some victims from compensation.

This latest ramping up of the pressure on Lloyds is reported on in depth by both THE BBC and the INDEPENDENT

 

 

 

 

 

“REVOLVING DOORS” AND MORE “JOBS FOR THE BOYS”

Patrick Hosking of The Times has written another excellent article considering he is constrained by a band of corporate lawyers who no doubt are terrified of legal action by certain corrupt individuals in our banking sector. However, we applaud Patrick’s attempts to shine a bright light into the cesspit of British Financial affairs and The Times determination to expose the FCA for what it has become- the F’ing C…..A…..we’ll leave you to fill in the rest.

 

 

It is too easy to swap sides between the regulator and the financial industry

A career move by a mid-ranking accountant wouldn’t normally attract much attention, but to a few, bruised small business people, there was something strangely familiar about the name of David de Souza, who joined Royal Bank of Scotland eight months ago as manager in its corporate governance and regulatory affairs department.

Mr de Souza previously had been the liaison man at the Financial Conduct Authority, overseeing the compensation scheme set up to enforce £2 billion of redress to up to 20,000 victims of the swaps mis-selling scandal. One of the biggest offenders was RBS and it was Mr de Souza who dealt with allegations of abuse levelled at that bank.

It’s the kind of gamekeeper-turned-poacher job switch, revealed last week by my colleague James Hurley, that raises hackles. The SME Alliance, a group representing some of the victims, described the move as “a spin too far of the revolving door . . . We are shocked that someone who has access to so much sensitive information passed to the FCA has been hired by the organisation that much of the material concerns.”

There is no suggestion of wrongdoing by Mr de Souza. Safeguards were put in place, the FCA says, and he was placed on three months’ gardening leave before joining the bank. RBS claims that his role involves “extremely limited” interaction with the FCA (though that doesn’t entirely square with his Linkedin page, in which he says his team’s primary role is to manage engagement with the FCA, Prudential Regulation Authority and the Bank of England).

Whatever the truth of the matter, it looks terrible that anyone playing honest broker in one of the most egregious mis-selling scandals of recent years, one that led to small firms failing, is three months later on the payroll of one of the perpetrators.

Mr de Souza is, of course, a relatively junior figure in the steady stream of FCA people moving to City jobs. His ultimate boss, Sir Howard Davies, the RBS chairman, was once chief executive of the Financial Services Authority, forerunner to the FCA. Sir Hector Sants, another FSA chief, moved to Barclays. Tracey McDermott, an acting FCA chief, went to Standard Chartered. John Tiner, head of the old FSA, is audit committee chief on the Credit Suisse board. Other notable defections include Margaret Cole, head of enforcement at the FCA, who is now chief risk officer at PWC; Clive Adamson, head of supervision at the FCA, who is now chairman of JP Morgan International Bank; and Christina Sinclair, acting head of retail at FCA, who went on to Barclays and now Commonwealth Bank.

There is a perfectly respectable case for regulators moving to banks. They can help to reinforce the cause of good compliance and treating customers fairly. As one former regulator told me: “You’ve drunk the Kool-Aid. You’re inculcated with the FCA way of doing things. You help promulgate that in the private sector. And you are listened to, too. It’s a good thing.”

Margaret Cole swapped the FCA for a private sector role at PWC
Margaret Cole swapped the FCA for a private sector role at PWC

The concern that ex-regulators know the weaknesses in FCA systems and are hired to help their new employers to find escape hatches and exploit loopholes is baloney, according to someone who has gone over fence. Even if you were so inclined — and most are not — get it wrong just once and your credibility would be shot to pieces forever. There’s also a strong case for movement in the other direction. Regulators need people who have worked in dealing rooms, IT departments, risk units and product-design divisions of financial services companies if they are to have a hope of understanding the complexity and culture of the entities they are supposed to be supervising.

Yet there are good reasons for caution. Justice needs to be seen to be done and the sight of regulators heading for the big bucks of private sector jobs can seriously undermine reputation. It’s not hard to imagine a senior regulator in their forties or fifties going a bit soft in the hope of landing a plum private sector role in the autumn of their career.

Some critics also see a danger that the FCA becomes a finishing school for ambitious lawyers and MBAs in their twenties wanting a job-smashing flourish on their CVs before entering the golden gates of a City career. Everyone in the gossipy world of regulation seems to know someone who cynically took an FCA job purely as a springboard or stepping stone. There is a brain drain from the FCA.

Perhaps the greatest danger of too much mingling, cross-pollination and fence-jumping is that people come to see moral equivalance to the two sides, with nothing to divide them except the interpretation of process. After the umpteen banking scandals of the past 15 years, that’s too generous a starting assumption. Regulators need to understand that they are in an adversarial position to the finance industry and that on occasions they will need to rebuke, punish and prosecute. A modicum of seemly distance is needed.

We learnt that lesson with the accounting profession. The independent review by Sir John Kingman has rightly recommended the abolition of the haplessly misgoverned Financial Reporting Council, until recently seen as little better than a retirement home for senior Big Four beancounters with very understanding natures. That was the revolving door in reverse.

Making it a bit harder for regulators to jump ship to the private sector would be no bad thing. Clauses could be written into FCA employment contracts giving it a veto on employees moving to employers they once supervised. Alternatively, the FCA could simply decline to authorise people moving into a senior bank role if it was seen to compromise its good standing.

At the very least, the FCA board needs to take a sober look at the problem and to consider tightening the rules. For a start, it’s surely perverse that it is the FCA rather than the poaching new employer that pays the cost of the gardening leave? We need more grit in the revolving door.

Patrick Hosking is Financial Editor of The Times

RADIO 4 REPORTS ON LLOYD’S FLAWED COMPENSATION SCHEME

On Monday Dec 17th Today on BBC Radio 4 covered the complaint made to the Financial Conduct Authority by the SME Alliance which represents small business owners ruined by the HBOS fraud. The Alliance are strongly critical of the FCA for allowing Lloyds to set up a “Flawed compensation scheme”.