Irish, English & New York Lawyer | Irish Banking Inquiry Whistleblower | UK & Irish Swap & Mortgage Frauds | Anti-Corruption
Joined May 2022
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Jun 11
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One of the most serious – and least discussed – practices is when banks retrospectively rewrite “the story” in customers’ files.
This has happened to so many and this past week, it is sadly evident in my own DSAR.
It is not “admin”;
It can, in my opinion, be
🔹misrepresentation;
🔹breach of duty; and, in some cases;
🔹fraud
“Retrospective narratives” appear when, after disputes emerge over rates, trackers, arrears or repossession, the bank’s internal records suddenly acquire new file notes or “explanations” that were never there before – and that conveniently “support” the bank’s current regulatory position or indeed the bank’s litigation. @BankConfidenti1 has noted this across the Hidden Credit Lines Scandal @stevemiddi1 @Wftproof
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👇who knew that a bundle of “non-performing loans” could be described by a journalist as loans “most of” which had fallen into arrears!
Perhaps, we could then admit that perfectly performing loans were being sold off with embedded liabilities? independent.ie/business/mone…
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🔹Ownership of the underlying loan/debt is a separate question‼️👇
Promontoria must still prove the chain of title to the debt itself (assignments, etc.) on the balance of probabilities ‼️
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☝️here, their affidavits and exhibits had multiple inconsistencies (e.g., which deed actually transferred title, contradictions with their own financial statements, missing documents, heavy redactions).
The judge here thankfully accepted the evidence on the loan ownership was too messy for summary judgment.
That’s why she remitted it to plenary where more evidence can be tested properly at 3.
In high-volume enforcement, it seems heavy weight law firms are gambling that most borrowers won’t mount a strong technical defence or that certain judges will overlook “minor gaps”.
When a motivated litigant (with good representation) digs in - often having been grossly overcharged - the weaknesses begin to surface.
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Worth a repost in relation to the current Attorney General and his role as the state’s chief legal adviser.
The AG is under a duty to uphold the rule of law by acting, in key functions, as a GUARDIAN of the PUBLIC INTEREST, rather than a partisan for the government (bank?) of the day.
Read below post 👇 slowly for information that demonstrates that the description above is not necessarily reflective of reality.
Is there a disabling conflict of interest?
@Wftproof @SabeeWink @stevemiddi1 @BankConfidenti1; @JMcGuinnessTD @johnmcdonnellMP @premnsikka @kenoflynnTD; @PearseDoherty @MaryLouMcDonald @Farrell_Mairead @MichealMartinTD @SimonHarrisTD @jackfchambers
May 31
A Senior Counsel who has acted for
🔹AIB
🔹Bank of Ireland
🔹Danske Bank
🔹KBC &
🔹Ulster Bank
is unlikely to have much genuine interest in representing “the public interest”.
These representative entities have
🔹excessively overcharged on all lending products;
some have
🔹fraudulently sold swaps & other hedging products;
🔹uploaded fabricated documentation to the central credit register;
🔹repeatedly enforced in respect of invalid debts & debts not on the CCR;
🔹artificially engineered defaults;
🔹used bank instructed valuations to ensure a default;
🔹used forged signatures & composite documents to encircle previously unencumbered assets;
Above just a flavour of the fraudulent activities, that are ongoing on our Emerald Isle…
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Lorraine Morris retweeted
And whilst @NatWestGroup were the first bank in the UK to face a criminal prosecution by @TheFCA for money laundering failures..
Whilst @CouttsandCo also provided private banking to Epstein for his London Kompromat paedophile services.
Now having been proved to support scammers & fraudsters at their customers expense its unbelievable that @evelynpartners would want to expose their customers to such abuse, whilst @TheFCA rubber stamps it.
@BankConfidenti1 @MLorrM @Wftproof @ArturNadol7566 @appgonifandffs @TransparencyTF @CarshaltonArt @mickmor16921994
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Lorraine Morris retweeted
Thank you Nigel, I knew you would as I knew @efgbricklayer would. You have both donated to support other victims previously.
It would be nice if a few others might appreciate @BankConfidenti1 ongoing pro bono work in these areas & also offer support for victims...
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With all the hype about @KPMG in Australia, I return to its role in the Irish banking crisis and the “goings on” at the Banking Inquiry - that was heavily “infused” with individuals with links to @AskAIB.
The books compiled for AIB and for professional advisers (e.g. KPMG) contain terms of reference for risk and audit committees and high‑level governance documents, but what is truly remarkable is that the published core books do not present a full, chronological run of risk‑committee minutes.
In other words, the inquiry took evidence about risk oversight structures and policies, but it simply did not anchor that evidence in a public, minute‑by‑minute reconstruction of what risk committees knew at particular dates.
Why?
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It is important that professionals engaged in serious misconduct are removed from their respective registers- as they quite literally pose a risk to the public.
Taxpayer funded lawyers taking mega funds to assist a client maintain a false record that is contrary to the public interest - spring to mind.
Jun 13
Nigerian nurse Prisca Ngozi Umeobi has had her registration cancelled by the Irish High Court after being found guilty of professional misconduct and poor professional performance while working at Dublin's Mater Private Hospital in July and August 2021.
The Fitness to Practise Committee of the Nursing and Midwifery Board of Ireland (NMBI) recommended cancellation, which High Court President Judge David Barniville confirmed. The committee described her actions as deliberate or reckless abuses of trust, involving ill-treatment of vulnerable patients and a serious reduction of their dignity.
Specific allegations included:Failing to apply a dressing to a patient.
Delaying a patient's shower until the afternoon.
Leaving a knee-replacement patient unattended on a bedpan.
Acting inappropriately and making faces while cleaning a patient.
Repeatedly failing to follow prescribed care plans and assess patients for pain.
The committee ruled that the failings posed risks to patient safety and could not be remedied through education, conditions, or suspension. Cancellation was deemed necessary to protect the public, reflecting the gravity of the misconduct at the most serious end of the scale.
Umeobi, originally from Nigeria, is now removed from the Register of Nurses in Ireland.
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Lorraine Morris retweeted
Jun 13
For those of you interested in the abuse of Insolvency practices by banks & others to remove compensation/litigation 'risks' from victims of fraud & malpractice @premnsikka has kindly arranged an event in Parliament on 7 July at 6:15 where I and some others will be speaking about our concerns. Those of you who asked me already have tickets reserved. The link is gmq1yvsq.r.eu-west-1.awstrac…
@BankConfidenti1 @TransparencyTF @appgonifandffs @AlliMiddleton1 @johnmcdonnellMP @labourlewis @NeilForPoole @Steffanaquarone @IanByrneMP @BambosMP @EmilyBuchanan1 @MLorrM @ArturNadol7566 @jameshurley @CarshaltonArt @mickmor16921994 @efgbricklayer @james_glanville @BomberMorgan @nw_nicholas @EthicalDavid @hungrybankrupt
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Lorraine Morris retweeted
Jun 13
Captain John Hoyte @JohnHoytePilot has an interview with @SoniaPoulton this Monday morning. Sonia, this post has reached 672k people in just a few days. The public clearly wants this story told.
John has spent 20 years trying to get mainstream journalists to investigate this properly. The evidence is in the House of Lords record. It has been tested in court.
France has recognised aerotoxic syndrome as an occupational disease. America's largest injury firm is now taking mass cases.
The interest is there. The evidence is there. What has been missing is the coverage.
If you have shared this post already, please share it again. John is 70 years old and has been fighting this for two decades. Every person who flies on a bleed air aircraft is exposed to this risk. That is almost every commercial flight in the world.
This is not going away. Keep pushing it.
@JohnCleese @premnsikka @johnmcdonnellMP @MLorrM @Wftproof @nw_nicholas @Victoria_Rixon
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Lorraine Morris retweeted
Jun 12
Classic case of ignoring moving from “variable rate” to 1.1% defined tracker specification. Options letter not sent to client which is a systemic issue for BOI when on a discounted variable rate initially. These letters were sent when customers were on a fixed rate starting off. Internal notes ignored.
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Lorraine Morris retweeted
Jun 12
We wonder
How many thousands
or hundred of thousands are still effected & word redress
The @Independent_ie finance expert gave the impression it was all in the past or was that the planned narrative so people do nt do the research w experts like you ?
Hmmm
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Jun 13
Thanks Steve.
I look forward to participating - particularly given similar concerns regarding the abuse of insolvency practices in Ireland.
@NiamhParker4
Jun 13
For those of you interested in the abuse of Insolvency practices by banks & others to remove compensation/litigation 'risks' from victims of fraud & malpractice @premnsikka has kindly arranged an event in Parliament on 7 July at 6:15 where I and some others will be speaking about our concerns. Those of you who asked me already have tickets reserved. The link is gmq1yvsq.r.eu-west-1.awstrac…
@BankConfidenti1 @TransparencyTF @appgonifandffs @AlliMiddleton1 @johnmcdonnellMP @labourlewis @NeilForPoole @Steffanaquarone @IanByrneMP @BambosMP @EmilyBuchanan1 @MLorrM @ArturNadol7566 @jameshurley @CarshaltonArt @mickmor16921994 @efgbricklayer @james_glanville @BomberMorgan @nw_nicholas @EthicalDavid @hungrybankrupt
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Lorraine Morris retweeted
Jun 13
Stuart, truly shocking, a senator telling you to "slit your wrists" because you were exposing murders in the Jersey health service & historical child abuse. This ongoing abuse of a whistle-blower must be be raised in parliament & investigated.
@premsikka @johnmcdonnell @appgonifandffs @TransparencyTF @BankConfidenti1 @MLorrM @Wftproof
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Jun 13
What a meaningful milestone Hester. It is so positive to see universities like Erasmus creating space for this important discussion on network corruption, collateral issues and their real-world impact on our economy and society.
Sharing your expertise directly with CFOs and executives is a powerful step forward.
Your persistence in bringing these complex topics into academic and professional education is truly admirable.
Wishing you many more of these breakthrough moments.
Jun 12
Gisteren mocht ik les geven in het New CFO Programme van Erasmus, in de module “The Board under Attack”.
Alle deelnemers hadden voorafgaand aan deze sessie een exemplaar van Worst Bank Scenario (@bankenfraude) ontvangen van de universiteit, ter voorbereiding.
👉 eur.nl/eibe/executive-educat…
Voor mij was dit weer een betekenisvol moment.
Na de Universiteit Utrecht is het nu ook @erasmusuni die mij uitnodigt om mijn verhaal te delen en het inhoudelijke debat aan te gaan. Een volgende stap, waarin ruimte wordt gemaakt om te doceren over deze omvangrijke onderpandproblematiek en netwerkcorruptie, en de impact daarvan op onze economie en maatschappij.
Ik beschouw het bovendien als een doorbraak dat ik Worst Bank Scenario nu ook (post)academisch met CFO’s heb mogen delen.
Veel bestuurders zijn – vaak ongewild – onderdeel geweest van deze systemen, zonder volledig inzicht in wat er speelde.
Dat een universiteit deze stap zet, vind ik niet alleen moedig, maar vooral belangrijk.
Juist academische vrijheid en open debat zijn essentieel om complexe en soms ongemakkelijke vraagstukken serieus te kunnen onderzoeken.
Mooi om te zien dat dit debat steeds meer ruimte krijgt!
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Jun 12
A must read below👇:
What was @rte focusing on?
While at the same time rejecting hard evidence about serious banking misconduct? @ArturNadol7566 @Wftproof @stevemiddi1
Jun 12
I met with RTÉ in the lobby of the County Arms Hotel in Birr in April 2025. I was interviewed based on my background auditing mortgages, and I explained how the issue was far broader than the Tracker Mortgage Examination (TME). I set out how many Standard Variable Rates (SVRs) were effectively de-facto trackers, how lending practices changed dramatically in the lead-up to the crash, and how a large cohort of borrowers were systematically overcharged between 2008 and 2021.
I asked for a pre-viewing of the documentary so I could provide additional commentary and context on the wider issues. They refused.
They showed little interest in the hard evidence or the systemic scale of the problem. Instead, they were primarily looking for emotional sob stories about families rather than the factual details.
Reports on these matters (and others) were submitted to the Central Bank of Ireland (CBI) and the Competition and Consumer Protection Commission (CCPC) in February 2026. To date, no substantive response has been received.
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Jun 12
🧵
1/ Former Governor Patrick Honohan’s contribution to RTÉ’s Trackers: The People v The Banks deserves closer attention.
In October 2017, he had confirmed to a neutral party that my protected disclosures were credible and he described Mr Justice Senan Allen’s report as “very strange”.
That observation takes on added significance when viewed alongside what has now become known about the hidden credit line scandal and other issues that sat outside the official tracker narrative.
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Jun 12
5/ The tracker scandal is ongoing and represents only one element of a much broader pattern of customer detriment stretching across both households and business lending.
All of this will fundamentally alter how the pre & post-crisis banking era is understood. #WorstBankScenario @Wftproof
The unresolved question is not simply what the banks did - it is what are they continuing to do?
And of course, how were warnings, protected disclosures and hard evidence that originated in a significant public inquiry - how were they handled on entering the regulatory, legal, judicial and public-interest ecosystem?
@JMcGuinnessTD and many others know that the information will profoundly surprise you - particularly in terms of the vast numbers of people willing to participate in a cover up of gargantuan proportions.
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Jun 12
6/ When credible concerns were repeatedly raised by me, supported by others, later substantiated and with Honohan weighing in to confirm their credibility - then attention must focus on why those raising these significant concerns were not properly heard and in my case retaliated against, excommunicated and otherwise prevented from exposing the full picture?
I predict that a sitting Court of Appeal Judge having authored a fabricated report (written in the most damning of terms) to provide cover to banking organisations engaged in rampant fraudulent activities - will soon infect the Irish judiciary and expose the wider cohort of judges responsible for enforcing against defrauded borrowers - many of whom have lost or are losing assets on foot of wholly invalid debts.
@stevemiddi1 @BankConfidenti1 @ArturNadol7566 @efgbricklayer @CarshaltonArt @SamanthaLaDuc @kshaughnessy2 @johnmcdonnellMP @premnsikka @TransparencyTF
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