1. JustLloyds Bank – We want to remediate – It’s good to talk!

We are a group of Lloyds Bank victims who want resolution and recompense for the fraudulent behaviour of Lloyds bank in stealing our assets and destroying our lives. Like our compatriots at cybgremediationsupportgroup.com, we are not going away.

Lloyds Banking Group Share Price

Tuesday 01 March 2011 – 62 p per share (current CEO appointed).
Wednesday 27 August 2014 – 76 p per share
Monday 27 August 2018 – 50 p per share (-52%)
Tuesday 27 August 2019 – 49 p per share
Check the current share price here. (opens in a new window)

Let’s not forget the National Audit Office reports that UK taxpayers in financial crisis, 2008 +

31 March 2018 - Lloyds Bank peak and outstanding financial support

 

Lloyds Banner Fraud Protest

Calls for Action Fraud @actionfrauduk to be investigated.

@tmealham explains:

https://t.co/5FA037Ma5m

@APPGbanking @SMEAllianceLtd @CYBG_RemSupGrp @RBS_RemSupGroup @fortfield @TheFCA

@loanchargeAPPG @hmtreasury @Jesse_Norman @sajidjavid @RuthCadbury @RossThomson_MP @PeterBoneUK @DavidDavisMP @MPIainDS @StephenLloydEBN @NicDakinMP @JustineGreening @Metcalfe_SBET @AmberRuddHR This suicide should result into an inquiry into MPs like John Glen who gate keep for criminal bankers

Disgusting that MPs protect criminals over public victims

@APPGbanking @10DowningStreet @JohnGlenUK @johnmcdonnellMP @FarndonDavid @SMEAllianceLtd @jameshurley @FT @guardian

“At the weekend my brother took his life because of the #LoanCharge”.

We’ve sent the testimony we received to the #LoanChargeReview. We commend the family’s bravery in wishing to share this to try to make @hmtreasury listen.

@Jesse_Norman @sajidjavid suspend LC activity NOW.

3

@BorisJohnson 1st Nov the criminal bankers at Lloyds. RBS. Clydesdale need sorting out. This includes removal and investigation of some MPs who have been gatekeepers for them

@JohnGlenUK Sort your bloody bent bankers out. Or move over for a MP man enough to do your job. Victim suicides and kids self harming is too far.

@kevinhollinrake @APPGbanking @sajidjavid @CYBGHungrStrike @fortfield @JimShannonMP @jameshurley @Ian_Fraser @VictoriaLIVE @TheFCA https://t.co/1TzpjM6NRl

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In Parliament / Regulator

5 April 2013 House of Lords: House of Commons Parliamentary Commission on Banking Standards “An accident waiting to happen” : The failure of HBOS

November 2015 The failure of HBOS plc (HBOS) . A report by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (PRA)

10 October 2016 Treasury Select Committee.

The report draws together the findings of the Financial Conduct Authority
(FCA) and the Prudential Regulation Authority’s (PRA) review into the failure of HBOS, Andrew Green QC’s review of the enforcement decisions taken by the regulator, the independent review of these two reports by the Treasury Committee’s specialist advisers and oral evidence taken from the publishers of all three reports.

November 2017 the FRC (Financial Reporting Council – now being closed down) enquiries and investigation of KPMG’s 2007 and 2008 audits of HBOS.

SMALL “EXPERT” GROUP SUBMISSION TO THE HOUSE OF COMMONS TREASURY SELECT COMMITTEE RE KPMG AND HBOS AUDIT – TERMS OF
REFERENCE – 7 DECEMBER 2015 ———Financial Times coverage on 25 January 2016

OUR SUBMISSION TO THE TREASURY SELECT COMMITTEE RE KPMG AND HBOS AUDIT – 4 OCT.2017
DOCUMENTS INDEX AND INTERNET LINKS

OUR FINAL SUBMISSION TO THE TREASURY SELECT COMMITTEE RE FRC, KPMG AND HBOS AUDIT – JULY 2018.

FOLLOWED BY MR JIM SHANNON MP SUPPORTING LETTER TO TSC CHAIR, MRS NICKY MORGAN MP ON 5 JULY 2018.

29 July 2018  – Times – Lloyds challenged over report by whistleblower Sally Masterton  – Project Lord Turnbull – Operation Hornet

24 October 2018 TSC report – SME Finance, (refer to page 37 paragraph 109 – 110)

2 August 2019 TSC report The FCA – the perimeter of regulation 

The Treasury Committee and the perimeter

  1. Concerns about the perimeter and its complexity have featured in the work of previous Treasury Committees. The Treasury Committee in the 2010–15 Parliament concluded in its Report Conduct and competition in SME lending that so-called Tailored Business Loans (TBL) sold by Clydesdale bank had specifically been designed with the perimeter in mind:

From the point of view of the customer, the services provided by the hedging element of a loan with an embedded interest rate hedging facility—such as a Tailored Business Loan—and a stand-alone IRHP [Interest rate hedging product] are extremely similar, if not identical. But stand-alone IRHPs are regulated, while loans with embedded interest rate hedging facilities are not. It is a logically inconsistent result of the perimeter of regulation that products whose effects may be identical fall on both sides of the perimeter.

Clydesdale understood that TBLs were unregulated. It created TBLs to avoid requirements imposed by the regulator on the sale of a regulated product, IRHPs. It claims that this was to simplify the associated documentation and to make the product easier for customers to understand. The use of TBLs has left regulators powerless to enforce compensation for customers to whom products were mis-sold, as they have done with IRHPs. Clydesdale created a product that retained the risks and complexities of the regulated product but had none of the safeguards.

  1. Issues around the perimeter have also been present in the work of the current Treasury Committee. The following list provides examples of topics the Committee has considered or queried that have elements of perimeter complexity to them:
  • RBS’ Global Restructuring Group (GRG), and the wider issue of SME lending.
  • ‘Mortgage prisoners’ (those who face barriers to switching their mortgage).
  • The failure of London Capital and Finance, and wider questions around the regulation of so-called ‘mini-bonds’.
  • The regulation of Cryptoassets.
  • The regulation of Funeral plans.
  1. Many of these issues have seen significant harm done to consumers and small businesses. For example, in the course of its work, this Committee has heard first hand the considerable distress to SME owners brought about by RBS GRG. In part, it led this Committee to initiate its wider inquiry and Report into SME Finance. Subsequently, there has been widespread disappointment at the FCA’s inability to take action following its publication of its Report on the Financial Conduct Authority’s further investigative steps in relation to RBS GRG, due to the constraints of the Perimeter.12 Mr Bailey, when asked whether he would recognise that “there will be individuals out there who feel they have not had justice?”, replied “Yes, but I cannot operate outside the law. I am sorry”.13
  2. The perimeter of regulation, as has been seen in the Committee’s work, appears to be confusing for consumers of financial services, whether they be individuals or small businesses. In fact, that lack of understanding may well be preyed upon. Some firms may also deliberately game the perimeter to undertake regulatory arbitrage.
  3. Care needs to especially be taken where regulated financial institutions are undertaking an activity that is itself unregulated. Often the realisation that an activity is unregulated comes only after problems emerge, and the regulator’s lack of power becomes apparent to those affected.
  4. The Committee recommends that where regulated financial institutions undertake unregulated activity, the regulatory system should ensure that clear and explicit warnings are provided at that point, with the potential consequences of the lack of regulatory cover clearly explained, with sanctions for firms that fail to do so. HMG / HMT response to the report is outstanding.

Some background

31 October 2017     Brian Little email exchanges with SS – then Parliamentary aide to John Mann MP

SS – Great re John’s Perimeter Question / comment at TSC this morning, following our discussion and sight of the attached letter from my MP Jim Shannon

Hi Brian, “Yes—the main committee sent it to us as part of their briefing back on Friday. Hope that you felt the questioning covered good ground.”

Q50            John Mann: ……………….  One final question/request is that you referred earlier to things being outside the regulatory perimeter.  I have heard that before from you and your predecessors, and indeed on a totally separate issue with the Advertising Standards Authority, which is in similar dialogue over your powers in terms of currency exchange.

Andrew Bailey: That is not a perimeter issue.

Q51            John Mann: It is indeed.  It is an entirely different aspect.  In terms of my question, would you be prepared to provide to this Committee—and it might take some time, but we are not in a rush—the precise areas of powers that you do not have that it would be useful for this Committee to consider whether you should have, both in relation to the GRG issue and what you describe as being outside the regulatory perimeter, but perhaps for other issues as well?  That is something that we have never had.  It is a big piece of work but, for a new Committee coming into a five year Parliament—possibly, legally, that is our presumption and our mandate is for five years—it would be significantly useful to the work of this Committee.  I am not asking you which ones you desperately think you should have, and we might come back to you on that of course, but which ones you do not have so that, when you are saying, “We cannot do it,” be it in correspondence or be it in exchange, we are clear, so we can think through what our responsibilities and powers are to change that.

Andrew Bailey: The answer to that is yes.  I agree with you it is a good idea.  It is a good idea also because, as I said earlier, it has changed in interpretation as a result of the senior managers regime, which we are still introducing by the way, because we have a very big roll-out of that to the non-bank world next year, so I agree with you.  We know the case we are talking about.  The issue with the Advertising Standards Authority is we do not think we have the power to enforce their decision.  It is not really a perimeter issue.

John Mann: I am sure in a future meeting we will come to that.  The Chair would rule me out if I went on to that now, although it is a very important issue.  I would need several questions, so I will defer that.

Read how this bank games its customers.

Bait & Switch

Victims of Lloyds Banking Group have taken to the street to bring greater awareness of the “Bait & Switch” frauds that have been engineered by the UK’s largest bank

Victims of Lloyds Banking Group have taken to the street to bring greater awareness of the “Bait & Switch” frauds that have been engineered by the UK’s largest bank. Where customers have been groomed into toxic debt situations and false land registry originator charges that banks have been orchestrating defaults to steal customers assets.

2006 Fraud Act

When Party “A” deceives Party “B” for Party “A”s gain, Party “B”s loss or both. For the intended permanent loss of property (bricks and mortar, money, chattels, intellectual property)

Suicides/ Children Self Harming

Sadly, following our LBG victims and other bank fraud victims coming near suicide in the last couple of years. Sadly, around 5 victims’ children have made suicide threats/self-harmed.

Mental Health Abuse

Lloyds Banking Group plays on sponsoring Mental Health charities. When in fact it uses filthy tactics and abuse to impose mental torture.

Police Investigating

Following the failure of Avon & Somerset Police and it’s Police Crime Commissioner to investigate evidence, the Avon & Somerset Police Crime Panel invited PCC Anthony Stansfeld (Thames Valley Police) to investigate.

Foreign Bankers and UK lawyers

are Breaching UK Peoples Human Rights to Protect their Property.

Article 1

failure of High Contracting Parties (Courts) to provide: Article 13 – fair redress and failure of fair remedy for the protection of Property.

Article 6

failure of Fair Trials which breaches Magna Carta too. Article 2 and Article 3 – failure of Right to Life and Freedom from Torture, as bank fraud takes your life over.

Article 5

failure of security, as banks are using false bailiffs and police are assisting in a breach of lawful procedures.

Article 8

banks abuse in the thefts abuse victims private and family life. Article 40/41 – failure of banks to provide evidence hiding their criminality whereby Courts can not provide injured parties judicial satisfaction.

Forged Signatures

Following collective efforts of victims, MP’s and Thames Valley Police Crime Commissioner, hundreds of forged signatures have come to light that banks have been using to do fraud in line with the 2006 Fraud Act, including the use of forged signatures and false documents in Courts. Bank seniors and their lawyers doing wrong must be held accountable by our MP’s who are proposing a Dispute Resolution Compensation Scheme for the estimate 60,000 victims But will the Dispute Resolution happen or will criminal bankers block justice from happening!

National Protest –  Hunger Strike

Various bank victims have decided to take protest very public and mount UK collective hunger strikes in England, Scotland, Wales and N Ireland. In addition, fellow victims are taking protest to HMRC and the FCA who have been complicit in these controlled frauds.

John Guidi

…who lost 141 properties

Lloyds Victims

Lloyds Remediation Support Group

SHAME ON Boris /MP’s, please stop banking fraud harming our people and introduce a Dispute Resolution!!

Are you a BSU or HBOS/ LBG victim of asset stripping or could you be a Lloyds whistleblower with information on fraud?

www.facebook.com/groups/LloydsVictim

In the newspapers / Useful Links for Lloyds RSG Bank Victims

SME ALLIANCE – Website for victims of Banks generally

10 May 2011 PPI   – Lloyds abandons PPI court action and background articles in Daily Telegraph

Royal Bank of Scotland became the last of the UK’s major banks to announce its provisions against PPI claims, and followed that of recently appointed Antonio Horta-Osario as CEO  of Lloyds Banking Group last week <5 May>  “which became the first of the UK’s big banks to withdraw its support for the BBA appeal as it said it had agreed a £3.2bn provision to meet PPI claims.”

19 November 2018 – Times – Fair banking plans ‘will not help firms’

3 December 2018 – Times – Financial Ombudsman Service in eye of a new storm, includes OP-ED by Economic Secretary to the Treasury John Glen MP – Tribunal would not be the best option for companies

17 December 2018 – Lloyds’ compensation scheme ‘defective’

11 January 2019 – Times – Small firms lose battle for bank dispute tribunal

23 January 2019 – Times – OP-ED – Its time small firms got justice from the banks – Jonathan Reynolds
Jonathan Reynolds is shadow city minister

24 January 2019 – CNBC Interview with António Horta-Osório, CEO, Lloyds Banking Group, from the World Economic Forum 2019

 

Antonio Horta-Osario ; “Is to put things right, redress customers, where they should be redressed, and continue to work to get people’s trust. THIS IS OUR MOTTO.  It’s to help Britain prosper….”


28 January 2019 – Times – City regulator denies failings after leaking whistleblower’s complaints

8 February 2019 – Standard – Business interview – Police and Crime Commissioner Anthony Stansfeld

15 February 2019 – Letter to Lloyds Bank from Kevin Hollinrake MP Re signatures

18 February 2019 – Times – OP-ED – Wide support for a financial services tribunal, act now – Stewart Hosie MP – Member of the Treasury Select Committee

21 February 2019 – Letter to Kevin Hollinrake MP from Benedict Brogan – Lloyds Bank re signatures

8 March 2019 – Times – Victims ‘won’t trust’ bank redress scheme for small companies

10 March 2019 – Mail on Sunday – Ruined property tycoon, 63, hunger strike for £10million ‘mis-sold’ loan 

11 March 2019  OP-ED Companies should be allowed to choose how best to deliver justice – Ned Beale :  litigation partner at City law firm Trowers & Hamlins

12 March 2019 – SME ALLIANCE related documents – Press Release

12/13 March 2019 – Financial Times – Jonathan Ford article re Nicky Turner; DRS and McGrory settlement with CYBG

14 March 2019 – Letter to Heather Buchanan from John Guidi to process through to Stephen Jones of UK Finance

19 March 2019 – Hansard Link to Urgent Question regarding John Guidi ‘Hunger Strike’, asked by Angela Crawley MP in the Commons

19 March 2019 – Hansard Link to Urgent Question regarding John Guidi ‘Hunger Strike’ in the Lords

20 March 2019 – The APPG Accepts its Place on the Implementation Steering Group.

21 March 2019 – John Guidi agrees to suspend hunger strike – Scottish Daily Mail.

21 March 2019 – John Guidi agrees to suspend hunger strike – The Times.

28 March 2019 – Reuters UK Lawmaker asks FCA ahead of historic arbitration scheme – This includes the Armstrong case.

2 April 2019 – James Hurley – Big Banks ready to extend Dispute Scheme.

3 April 2019 – Times – Katherine Griffiths article – ‘Small firms can afford to be optimistic about Banks’ dispute schemes’.

4 May 2019 – William Turvill – Mail on Sunday – Article on Cerberus – Hounds of Hell.

9 May 2019 – Rachel Wolcott – Thomson Reuters – Senior Managers accountable for SME treatment.

23 May 2019 – Reuters – Banks Gamed FCA & SME’s.

19 June 2019 – Rachel Wolcott, Regulatory Intelligence, Reuters: FCA ignored warnings banks would game interest

21 June 2019 Rachel Wolcott, Regulatory Intelligence, Reuters: FCA’s 15-month interest-rate swap redress review to hinder claims, say industry officials.

25 July 2019 – Times – James Hurley :  Walkout threat hits bank compensation scheme for small firms

29 July 2019  Lindsay Rogerson, Regulatory Intelligence, Reuters : UK’s new finance minister told to stick to predecessor’s stance on SME redress

2 August 2019 House of Commons Treasury Committee : the work of the FCA : the perimeter of regulation   – Page 6 Paragraph 13   Clydesdale / Yorkshire Tailored Business Loans

2 August 2019 FT  John McDonnell :  Labour vows to hold public inquiry into UK Financial Sector – as per Australian Royal Commission

7 August 2019 Lindsay Rogerson, Regulatory Intelligence, Reuters : Historic bank redress scheme in danger of collapse, business leader asks Javid to intervene……Nikki Turner   SME Alliance

19 August 2019 Times James Hurley :  Use RBS dividend to compensate small companies mistreated by banks

22 August 2019 Lindsay Rogerson, Regulatory Intelligence, Reuters : Business Banking Resolution Scheme on track for UK Launch at end of year

23 August 2019 – Letter to Lloyds Bank from Kevin Hollinrake MP regarding LLoyds BSU’s  

24 August 2019 – Times – Hunger strike over bank “whitewash”

25 August 2019 Guardian UK banks face week of hunger strikes and protests

25 August 2019 – Mail On Sunday – Nationwide Hunger Strikes

30 August 30 2019 Bristol hunger strike protester says Lloyds ‘destroyed’ his life BBC.News

2 September 2019 – Times – Conflict of interest claim against Financial Conduct Authority in Connaught fund review

2 September 2019 – Times – Alternative lending – “FLOP” – Helps just 800 small companies a year – EST John Glen, MP

7 September 2019 – Times – Banks accused of forging signatures

7 September 2019 – Daily Mail – Top police chief claims banks are forging signatures on legal documents on an industrial scale as he accuses government agencies of sitting on “overwhelming evidence”.

10 September 2019 – Times – Banks’ payouts in PPI scandal will reach £50bn

10 September 2019 – Times – Pressure on National Crime Agency for action over bank forgery claims

10 September 2019 – Times – PPI scandal – The cash cow that turned sour

16 September 2019 – Reuters – Treatment of vulnerable customers tells FCA much about culture whether firms are meeting its standards

18 September 2019 – Times – It may be too early to draw a line under banks fake signature scandal

22 September 2019 – Mail on Sunday – Alison Rose faces Hunger strike on DAY !, planned for 1 November 2019

 

23 September 2019 – Yahoo – Lloyds Bank – António Horta-Osório speech – at SIBOS conference

Lloyds Bank (LLOYDS) came close to running out of money in 2011 as it struggled to recover from the financial crisis, its CEO has said.

 

(Preceded by short extracts by Brian Little in his speech to Banking Victims groups on 17 September 2019 at Conway Hall in London and please see 4 /5 May here and 10 May 2011 here).

24 September 2019 – Times – We did not pass buck on bank forgery, says National Crime Agency

24 September 2019 – Times – ‘Landlord linked to corruption claim’

26 September 2019 – Kevin Hollinrake MP letter to CEO Lloyds Banking Group re Bank Signature Forgery and NCA

1 October 2019 – Thomsons Reuters – Rachel Wolcott – FCA calls vulture fund QC’s use of its legal arguments against vulnerable customer “irresponsible”

4 October 2019 – letter to Lewis Shand-Smith from Kevin Hollinrake regarding BBRS

5 October 2019 – Mail on Sunday – JEFF PRESTRIDGE – Wake up… and do your job Financial Conduct Authority

8 October 2019 – Reuters – BBRS scheme update

10 October 2019 – CITY AM – HMT – TSC – Regulatory perimeter

11 October 2019 – Reuters – HMT – TSC – Regulatory perimeter

October 11 2019 – Times – Financial Conduct Authority to be denied extra powers

12 October 2019 – Times – Business commissioner Paul Uppal leaves over conflict of interest

13 October 2019 – Telegraph – Lloyds puts wheels in motion for life after Horta Osorio

14 October 2019 – Times – storm clouds gather over banks bid to make peace

18 December 2019 – JOHN GUIDI SCOTTISH HUNGER STRIKER APPLICATION FOR PUBLIC AGM OF NAB

 

Link to Cerberus / Promontoria page.