Thousands of SME owners believe they were stripped of wealth, businesses and retirement savings through the RBS GRG scandal. For many victims, the damage remains unresolved and the search for justice continues.

Thousands of SME owners believe they were stripped of wealth, businesses and retirement savings through the RBS GRG scandal. For many victims, the damage remains unresolved and the search for justice continues.

Clive May the Brickie @NatWestGroup could not silence, he will prove how an RBS Invoice Finance "Hidden Credit Line" fraud destroyed his business & who has been involved in the cover up. @BankConfidenti1 @efgbricklayer @MLorrM @ArturNadol7566 @RBSlielikeadog @james_glanville @nw_nicholas @CarshaltonArt @mickmor16921994 @TransparencyTF @EthicalDavid @JohnCena

How @TheFCA & the banks stitched up circa 50,000 plus SMEs in the UK due compensation from interest rate swaps & Fixed Rate Loan frauds... @BankConfidenti1 @MLorrM @TransparencyTF @efgbricklayer @CarshaltonArt @mickmor16921994 @james_glanville @ArturNadol7566 @Wftproof @MConnollyittm @EthicalDavid @Ian_Fraser

HE DIED BEGGING AN INSOLVENCY FIRM NOT TO BANKRUPT HIS FAMILY. THEY David Morgan was a multi-millionaire businessman. Then his HBOS bank manager, Lynden Scourfield, blackmailed him in 2005. Comply with corrupt demands, or we'll destroy your business. The Morgan family said no. What followed was 20 years of institutional destruction. Scourfield, who was later convicted and jailed, forced the family to re-bank. Their borrowing costs jumped from 2% to 30% overnight. David was simultaneously fighting cancer, missing hospital appointments because Scourfield kept summoning him under threat. In 2009, @LloydsBank Director Mark Medd admitted the bank knew about Scourfield's mess. He promised to investigate. Nothing happened. Instead, insolvency firm Begbies Traynor arrived and spent the next decade pursuing the family through the courts over a debt they had already settled. David Morgan was dying of cancer in November 2013 when he begged them to stop. They refused. He died in April 2014. Begbies partner Paul Stanley filed a public report days later calling the bankruptcies a "win," despite recovering nothing for creditors. @LloydsBank set aside £790 million for HBOS fraud victims. Sir David Foskett promised full restitution. His widow Jane has been in the compensation scheme for five years. She has received zero. Now Begbies Traynor's Paul Barber is taking Jane to court to force a £3 million payout she has never seen, so Begbies can take their fees from it first. @TheFCA has watched every step of this and done nothing. Sir David Foskett promised to meet any victim who requested it. He has refused Jane Morgan six times. Sources: Reuters, CPS conviction record, Foskett Panel statements and others. @stevemiddi1 @MLorrM @TransparencyTF @nw_nicholas

And Finally here's the confirmation of what your position may be if the bank failed. If the banks were insolvent & certainly @NatWestGroup & @LloydsBank were substantially balance sheet insolvent in 2008, there would have been no available cash to refund your lost collateral... @BankConfidenti1 @MLorrM @Wftproof @mickmor16921994 @james_glanville @efgbricklayer @ArturNadol7566 @CarshaltonArt @EmilyBuchanan1

Slide 1 confirms that derivative (swap) risk and rate risk management (Swap credit lines) are a DIRECT exposure of the customer. These slides prove that @TheFCA recent response that: "Exposure Value (including its implications for credit line utilisation) does not represent a customer’s potential ‘financial commitments and other additional obligations” Is quite simply dishonest or an intentional misconstrue of the words & facts to keep misleading Parliament. Slide 2 confirms that the Global Banking & Markets division could mark credit limits on customers. Slide 3 is an internal credit file from @NatWestGroup RMP credit system, confirming that Auto Approval has been declined because of a Loan to Value (LTV) breach. The LTV limit on this case was a maximum of 75%. Slide 4 proves that the LTV breach at 78% is caused by the swap credit line - the contingent obligation - & without that the customer would be within parameters at 74%. I have hundreds, thousands of such documents proving that the Hidden Credit Lines on swaps & certain fixed rate loans forced customers into GRG, BSU, defaults & insolvencies. Why do @TheFCA think they can win this argument... @BankConfidenti1 @MLorrM @ArturNadol7566 @mickmor16921994 @CarshaltonArt @EmilyBuchanan1 @james_glanville @efgbricklayer

HE WARNED THE BANK. THE BANK COLLAPSED. YOU PAID THE BILL. Paul Moore (@Paul_R_Moore) was Head of Group Regulatory Risk at Halifax Bank of Scotland. His literal job was to spot danger. In 2004, he spotted it. He told the board that HBOS was lending recklessly, growing too fast, and building a financial time bomb. They thanked him by sacking him. KPMG was brought in to investigate his concerns. KPMG concluded everything was fine. The Financial Services Authority @TheFCA whose deputy chair was HBOS chief executive James Crosby, agreed. Nothing to see here. Four years later, HBOS collapsed. Lloyds (@LloydsBank / @LBGplc) was pushed into a shotgun merger to absorb the wreckage, then needed a £20.5 billion taxpayer bailout to survive it. James Crosby eventually handed back his knighthood and forfeited part of his £25 million pension. He was not prosecuted. Nobody was. Paul Moore went to the Treasury Select Committee in 2009 and laid out exactly what had happened. It caused, as one journalist put it, shockwaves through the British establishment. It also caused addiction, depression, and suicidal episodes for Moore himself. He spent years warning anyone who would listen that the system was broken. He wrote a book called Crash Bank Wallop. He died in September 2020. The men who built the disaster got pensions. The man who tried to stop it got destroyed. If you think whistleblowers are protected in this country, Paul Moore's life is your answer. Sources: @BBC, @guardian, @Channel4News | @Wikipedia | @TransparencyTF

In the next few days I will share details of the bankers in charge of the @NatWestGroup Non Core division tasked to destroy & asset strip 3m customers. I won’t name them in narrative I’ll post the internal presentation pages as they boast how they’re getting rid of the “third party assets” (customers) so successfully. Kindly they also included their smiling face pictures as these parasites, assassins for hire destroyed tens of thousands of SMEs/ entrepreneurs for their bonuses! If Starmer & Co. Had a few brain cells to spare I could explain how defrauding, stealing from & culling the SME gooses that lay the golden eggs fuelling the UK economy year after year, is not a sensible business plan. @BankConfidenti1 @MLorrM @Wftproof @TransparencyTF @efgbricklayer @CarshaltonArt @james_glanville @mickmor16921994 @ArturNadol7566 @nw_nicholas @Ian_Fraser @EmilyBuchanan1

@LucyRigby surely you can't let the banks get away with things like this you came into politics for the good of the people of this country. You can make a difference. Please push for an independent inquiry or royal commission so that we can get the redress we deserve. #StopRob

1) @LucyRigby please cast your mind back and remember why u wanted to become an MP in the first place I presume it was to fight injustices, to uphold human rights, to take on 'the establishment' when it was in the wrong, and to make life better for this countries people #StopRob

2) @LucyRigby Please end your silence and do the job you wanted to do when you became an MP. Fight for the people of this country and allow victims of bad banks to have either a truly public enquiry or a royal commission.

Struck off the roll of Solicitors in UK 👇for back-dating a document…. yet, what happens in Ireland when redacted & forged documents are used to deceive courts and land registry? 🔹Nothing. And one day it may form the basis of a real inquiry.

THE JOB OF THE FINANCIAL OMBUDSMAN IS TO INVESTIGATE YOUR COMPLAINTS. TURNS OUT SOMEONE FORGOT TO TELL THEM THAT. In 2024, a senior adjudicator at the Financial Ombudsman Service (@financialombuds) gave protected evidence to MPs on the Treasury Select Committee9 (@CommonsTreasury). Their identity was known to parliamentarians but shielded from the published record. What they told MPs was blunt. The FOS was routinely closing consumer complaints without properly investigating them. Adjudicators were operating under informal productivity targets. The faster you cleared cases, the better you looked. The most efficient way to clear a case quickly is to reject it. When staff raised concerns internally, senior managers dismissed them. The disclosure helped trigger a parliamentary inquiry. The Times and This is Money covered it. MPs started asking harder questions. Around the same time, CEO Abby Thomas was pushed out after what the FOS board described as "fundamental disagreements" over strategy and operations. The Treasury Committee called the handling of her departure "opaque." Baroness Manzoor, the FOS Chair, cited House of Lords privilege to avoid answering parliamentary questions about it. MPs called this "unnecessary and disrespectful." The FOS upholds 25% of consumer complaints in the complainant's favour. If your bank mis-sells you a product and you complain to the independent body set up to help you, you lose two thirds of the time. The body exists, in part, because going to court costs money most people don't have. The whistleblower who told Parliament what was happening inside that organisation is unidentified. @G8GWS @MLorrM @TransparencyTF Source: @CommonsTreasury Treasury Select Committee oral evidence 2024 | @financialombuds | @TheTimes | @ThisIsMoney | @UKParliament |

Ever felt like you were being gaslit by a regulator? On January 5th, the Financial Ombudsman Service @financialombuds changed its story twice in just 13 minutes. First, they rewrote the history of their own previous decisions; then, they claimed it was all "investigator discretion" anyway. EP108 breaks down the timeline of a regulatory body in total meltdown.

THE REGULATOR THAT MARKS ITS OWN HOMEWORK @Channel4 Dispatches sent a reporter undercover into the Financial Ombudsman Service @financialombuds. What came out on camera was a scandal. A staff member told the camera: "I'm not proud to admit it but I've done it myself. Just taken a chance and just slung stuff through, with any old decision." Another one explained the math: "You're more likely to meet your targets if you're not upholding them." So the fastest way to hit your numbers was to side with the bank. Not because the bank was right. Because reading the file took too long. 11,000 cases went unanswered for two years. Some of those people wrote in saying they were about to lose their house. The FOS said the footage was "not representative." Parliament demanded answers. Baroness Ros Altmann @rosaltmann called it shocking. MPs threatened an inquiry. Then everyone moved on. Nothing changed. My own complaint against @rsagroup / @IntactInsurance is now being formally handled by Gary Smith @G8GWS of @MeridianLegals. Gary is the solicitor leading the FOS Litigation Group, built on over 1,000 documented FOS failures. He is preparing a judicial review of the FOS. My case was submitted through Meridian as my regulated representative because what happened to me fits the exact same pattern Channel 4 filmed in 2018. FOS has been broken for years. The difference is now someone is actually taking it to court. If your complaint was dismissed by the FOS and you think it was never properly looked at, contact Gary Smith directly at Meridian Legal Services: 0121 516 0675 @MeridianLegals The full transcript of what @Channel4 filmed inside the FOS is in the comments. Read it. Shocking testimonies. Source: Channel 4 Dispatches "Undercover: Who's Policing Your Bank?"

BRITISH BANKS DESTROYED THOUSANDS OF BUSINESSES Stephen Middleton (@stevemiddi1) has spent over a decade trying to expose one of the biggest financial scandals in UK history. Not as a victim. As a financial professional who refused to shut up. The fraud is called the Hidden Credit Line. Banks sold SMEs what looked like standard loans. Buried inside was a derivative, an interest rate swap, that secretly expanded the business's credit exposure without their knowledge. Thousands of companies thought they were borrowing money. They were actually handing the bank a hidden weapon to use against them. After the 2008 financial crash, RBS and Lloyds (@LloydsBank) were sitting on catastrophic losses caused by their own criminality and negligence. The solution, according to Middleton and his colleagues at BankConfidential (@BankConfidenti1)l: use these hidden credit lines to take down performing SME businesses, strip their assets, and quietly recapitalise the banks on the backs of people who had done nothing wrong. FCA (@TheFCA), HM Treasury (@hmtreasury) and the Bank of England (@bankofengland) all knew by 2009, when the Asset Protection Scheme was being set up. They said nothing. Middleton helped found the SME Alliance in 2014 to fight this. By 2017 he was being quietly pressured at a pub dinner in Cambridge to stop pushing for justice and start "working with the banks." He said no. Shortly after, his allies turned. The SMEA directors, he alleges with email evidence, coordinated with Lloyds COO Adrian White to get him removed from the cases he was working on and replaced with a law firm whose relationship with Lloyds was warm enough to earn them a bank-supported award nomination. The APPG on Banking (@APPGbanking), the parliamentary group set up to investigate the very frauds the banks committed, went on to collect hundreds of thousands of pounds from those same banks. Meanwhile, Middleton and BankConfidential's Mark Wright continued. Wright used around £60,000 of his own pension to fund the work. Neither made a profit. Both had their careers destroyed. FCA spent years trying to discredit them. In November 2025 they published the Hidden Credit Line report. In April 2026 it triggered a Westminster Hall debate led by John McDonnell (@johnmcdonnellMP), chair of the APPG on Investment Fraud and Fairer Financial Services. MPs called for a fully independent statutory inquiry into the scandal and the FCA's role in covering it up. The Transparency Task Force (@TransparencyTF) backed the disclosures. The FCA attacked the people making them. This is not a niche banking story. SMEs make up 50% of UK GDP. The institutions that were supposed to protect them protected the banks instead. Andrew Bailey, Nikhil Rathi, Sam Woods. All should be questioned on Hansard. No jail. No statutory inquiry. No justice. If you think Hillsborough was a cover-up, or infected blood was a scandal, this is bigger in financial terms. And the people responsible are still in post. Sources: @stevemiddi1, @BankConfidenti1, Hansard Westminster Hall debate 14 April 2026, @johnmcdonnellMP, @TransparencyTF, @TheFCA, @LloydsBank, @hmtreasury, moneymarketing.co.uk

I think their view is that was a long time ago & had been conveniently swept under the carpet. They do not welcome the fact that this one clear cover up by @TheFCA proves the organisation was corrupt from the start & intent only on protecting banks. No one wants to discuss how @TheFCA called all the 'Skilled Persons' in to ensure they would all sing from the same hymn sheet & that none of them would consider or investigate the Hidden Credit line fraud. That enabled people like Simon Recaldin as head of @NatWestGroup review to issue letters to 'bust' SMEs who had 'swap for swap' outcomes that still left their firms insolvent, dismissing consequential losses on the basis they were 'not foreseeable. After doing such a great job of the fraud cover up at state controlled @NatWestGroup no wonder they were keen to see him take control of the @PostOffice Horizon redress scheme. The Government don't want these frauds investigating & they don't want victims to be properly compensated, that's the truth unfortunately.

It’s time banks were made to pay full & proper compensation for the money & assets they stole from thousands of U.K. & Irish SMEs with the assistance of the FSA/FCA & senior civil servants in HM Treasury in relation to HIDDEN (margin) CREDIT LINES and a huge DERIVATIVES FRAUD 🔥

This is an example of ⁦@NatWestGroup⁩ Print Connection Summary proving that the £188k swap credit limit is a real limit on customers credit file. It’s treated the same as loans & ODs towards Loan to Value calculation. ⁦@TheFCA⁩ are misleading MPs.