The past few days have been difficult days, spent speaking with victims of Ulster Bank and other Irish financial institutions & foreign vultures, who have been left in financial ruin. Noting @SimonHarrisTD was speaking this week at the European Anti-Financial Crime Summit in Dublin; I want to assess his interest in criminality engaged in by financial institutions against their own customers. Before issuing further updates, I am awaiting supporting evidence to substantiate further detailed accounts, which point to the deliberate destruction in Ireland of otherwise viable businesses. Ireland is simply not a functioning democracy and the issues involved in these financial crimes are not as complex as some would suggest and should be easily understood by any EU Minister for Finance. @SimonHarrisTD - can you as Ireland’s Minister for Finance assess below conduct in light of your recent self disclosed interest in preventing financial crime? 🔹Ulster Bank, a foreign-owned bank operating within the Irish State, supported by the same RBS/NatWest structures that operated GRG in the UK, embedded undisclosed credit lines within Irish SME lending. These facilities were concealed behind “all monies” charges over both business and personal assets. Customers were not informed that a line of credit was linked to their swap or fixed-rate loan. They were not advised how such mechanisms could inflate loan-to-value ratios, impair credit ratings and essentially transfer the bank’s own risk exposure directly onto them. Reread - banks passed their risks to customers. Critically, these hidden credit lines operated as internal “buffers” for the bank, artificially enhancing its secured position while simultaneously deteriorating the customer’s financial standing.  In effect, the bank strengthened its balance sheet and risk metrics at the direct expense of the borrower and to be direct - this was not a neutral feature of complex lending. It was a profit-generating mechanism. [The same principle applies in the mortgage market - rampant overcharging & artificially engineered defaults]. As these undisclosed facilities inflated exposures and triggered breaches, customers were pushed into distress, default and supposed restructuring. That artificially created distress, in turn, enabled the bank to extract additional margin, fees, break costs, and enforcement recoveries. The bank produced windfall gains from structures the customer neither understood nor consented to. The so-called “restructuring” operated asset-stripping mechanisms rather than providing a genuine support function. At the same time, the bank’s internal position was further reinforced through these hidden credit buffers. The consequences to customers were severe, such as the, 🔹complete erosion of financial stability, 🔹loss of stable family structures, 🔹unwarranted reputational damage & ultimately 🔹the loss of homes & 🔹loss of lives All driven by internal bank calculations that borrowers neither saw nor understood. @Wftproof @WinkSabee @stevemiddi1 @johnmcdonnellMP @MichealMartinTD @Farrell_Mairead @PearseDoherty @JMcGuinnessTD @kenoflynnTD @EoinLenihan @RealEddieHobbs @kshaughnessy2 @SamanthaLaDuc @BlowersIreland @NickDelahanty @nw_nicholas @MaryLouMcDonald

#postofficescandal @Wftproof 👇 🔹The claim that around 11,400 sub-postmasters suddenly began pocketing money from their tills is statistically implausible and bordering on impossible, given the scale of the discrepancies. 🔹For 11,400 independent operators, spread across thousands of UK locations, to simultaneously commit theft at rates high enough to trigger prosecutions (hundreds convicted) defies probability. 🔹Sub-postmasters apparently operated on thin margins (often £10,000-20,000 yearly profit), facing personal liability for shortfalls, making mass self-sabotage completely illogical. 🔹Similarly, Hester Bais & myself - both recognised senior lawyers in capital markets and derivatives with impeccable careers spanning decades, would never plausibly self-sabotage by fabricating disclosures, after achieving such professional success. 🔹Hester Bais founded Bais Legal in 2010, specialising in Dutch financial law, derivatives trading, compliance and collateral management. Prior roles include legal advisor and compliance officer at ING Bank, Dutch regulator AFM, Euronext Amsterdam, LCH.Clearnet, and Euroclear, with landmark litigation wins against ING on interest rate swap “mis-selling” up to the Supreme Court in the Netherlands. 🔹Meanwhile, I qualified in Ireland, England & Wales, and New York - 6 years plus as Attorney in Paribas, New York - then Head of Legal at Bank of Ireland Global Markets - then established L. Morris Legal in 2003, serving global clients such as Citibank, GE Financial Markets, UBS AG, Standard Chartered (& of course anchor client Bank of Ireland) - specifically in derivatives contracts. Later hired by client to become Lead Counsel GE Financial Markets. Then headhunted at behest of General Counsel of @centralbank_ie for Expert role at Irish Banking Inquiry. 🔹Hester & I met by chance at a Dublin conference populated by victims of bank fraud - Hester, a speaker on her book #WorstBankScenario - co-authored with @WinkSabee. 🔹Professionals of the stature of Hester and I - with proven track records (& similarly to sub postmasters) face absolutely zero incentive for career-ending “fabrication”. 🔹The invention of disclosures would dismantle decades of reputation, built on consistently delivering results for major institutions and in Hester’s case - also in landmark litigation - evidenced in numerous testimonials and references. 🔹It is statistically and psychologically absurd, given our previous career successes. 🔹We are facing intense pushback precisely because of our ANTI-FRAUD stance & advocacy as it strikes at the heart of entrenched financial misconduct; 🔹We are jointly exposing how banks weaponised & continue to weaponise hidden credit lines to systematically destroy SMEs and entrepreneurs. It forms part of wider fraudulent activities. 🔹Resistance manifests as regulatory stonewalling, media marginalisation and legal harassment - the standard playbook against whistleblowers unmasking systemic fraud. 🔹Yet our unblemished careers and aligned disclosures (with Horizon-scale improbabilities) validate our stance: 🔹We did not endure decades building our reputations just to “invent” matters that now happen to align across several jurisdictions. 🔹The harder the pushback, the more it signals that we are “hitting the rot”. Everyone should be concerned about what has been uncovered and doubly concerned for future generations. The articles by @jameshurley in UK times yesterday & today apply to all Ulster Bank & SME victims in Ireland as the mechanisms were to be rolled out across the RBS Group. @stevemiddi1 @BankConfidenti1 @CarshaltonArt @winnertakesall3 @efgbricklayer @PMJAudits @andyverity @MarkLTighe @ArthurBeesley @rtenews @kshaughnessy2 @SamanthaLaDuc @WinkSabee @kenoflynnTD @Farrell_Mairead @PearseDoherty @MaryLouMcDonald @irldefrauded @BlowersIreland @IrishSecondary @SimonHarrisTD @MichealMartinTD @RNW_MITCHELL

🔹IMPORTANT🔹 I have been inundated with messages from defrauded borrowers. Also, my posts about the conduct of certain barristers, solicitors and judges has struck an immense chord. Questions: How many 🔹Tracker Mortgages🔹 in Ireland were inappropriately excluded and deemed out of scope from the 🔹Tracker Mortgage Examination🔹, by utterly conflicted individuals? What I mean by that is by “complaint handlers” within the very banks so determined to avoid their significant liabilities? How many 🔹Tracker Mortgages🔹 were unlawfully “converted” into a discretionary product to bring in additional revenue and to make the unlawfully converted product more palatable to be securitised & to bring much needed liquidity to the bank? How many of these dubious products that have been converted into “income streams” & now been offloaded on to credit servicers - who are tasked with pushing for repossession orders against borrowers artificially engineered into default? How many solicitors and barristers have been intimidated into dropping legitimate cases in which these issues have been - or are being raised by defrauded borrowers? How many legal professionals are sitting on hundreds of thousands of euros in fees that they have not earned, yet will not return? [Gain a conscience - if you’ve neutralised litigation and not achieved anything for your client, please return the unearned fees - no questions asked]. How many judges issued repossession orders on tens of thousands of borrowers who were simply not in default at all - when in fact the banks owed & still owe the borrowers money - essentially to fulfil Ireland’s treacherous promises to US private equity funds? #EpsteinFiles Why? What did you gain in return? Debt forgiveness? How many parliamentarians know about this scandal & have not managed to resolve at any level or to hold the banks & the neutralised @centralbank_ie to account? How many truly understand the relentless mental suffering that is ongoing for borrowers who have been defrauded by banks, who have been repossessed against, who face eviction or have been evicted- when essentially their financial circumstances never really changed? Who influenced @rte @rtepolitics @rtenews to bury the evidence about this ongoing scandal - when it recently aired its Prime Time documentary about tracker mortgages? This crumbling system is relying upon the silence of borrowers, when it is the act of speaking up that will shine a light on these very dark practices. Please share information here publicly or alternatively, my DMs are open. Please repost to spread awareness. @Wftproof @WinkSabee @LSRAIreland @LawSocIreland @TheBarofIreland @LFJIreland @JMcGuinnessTD @Farrell_Mairead @PearseDoherty @jackfchambers @kenoflynnTD @centralbank_ie @MaryLouMcDonald @ivanabacik @HollyCairnsTD @TransparencyTF @stevemiddi1 @BankConfidenti1 @BlowersIreland @NoelMcgree @SamanthaLaDuc @EoinLenihan @jemmm85517813 @indepdubnrth @OTURISK

Chris Mason’s inadvertently revealing @BBC piece on Starmer’s “dire” predicament is textbook Westminster insider journalism: mood, metaphor, anonymous sourcing, and ticking-clock drama frame the PM as uniquely exposed after McSweeney’s resignation. McSweeney is lionised as the indispensable technocratic operator who “got us here,” delivered the #GE2024 landslide and acted as a protective “lightning conductor.” Starmer, by contrast, is subtly diminished as a late entrant who “travels light ideologically” (code for thin conviction and over-reliance on elite machinery rather than political depth or vision). The implied tragedy is not governing failure, but the squandering of electoral success through personal misjudgement and the loss of sharp operatives. Crisis is then ratcheted up through doom-laden language, dramatic metaphors and a manufactured sense of unanimity, turning insider anxiety into an apparent party-wide verdict of impending collapse. Countervailing facts such as Starmer’s mandate, his resolve, and international standing are briefly acknowledged, then sidelined, overwhelmed by a narrative in which politics becomes Westminster soap opera: elite missteps, personalities and parliamentary mechanics crowd out policy substance or structural constraints. Perhaps most revealing are the omissions. There is almost no engagement with governing choices, no serious attempt to explain why the Mandelson appointment angered people beyond optics, no mention of Palantir contracts, and no analysis of whether any of this turbulence matters outside SW1. Power is reduced to position and atmosphere among elites, with the public cast as a passive audience simply reacting to Westminster drama. Most strikingly, Mason never even mentions #Epstein. By reducing the Mandelson controversy to vague “misjudgement” and “lies,” the article depoliticises a global scandal about elite networks, vetting, and sexual abuse, reframing it instead as an internal mood crisis and a test of Starmer’s personal resilience. All this while maintaining @BBC surface impartiality. The relentless focus on insider sentiment and technocratic competence privileges Westminster drama over governing substance, reinforcing perceptions of Starmer’s fragility rather than neutrally observing them. Politics, in this telling, has fuck-all to do with issues that shape our lives, such as inequality, migration, media power, housing, the cost of living, taxation, or public services. It is reduced to something that happens primarily among elites, which the public then reacts to later. From the perspective of the Masons, Kuennssbergs, Pestons and Rigbys of this world, ‘the political is personnel’. Whereas second-wave feminism insisted that the ‘personal is political’ (that lived experience reveals underlying structures of power requiring collective solutions) my inverted aphorism names a different reality: politics is interpreted through individual competence, appointments, and elite manoeuvring, while the structural forces shaping people’s lives are relegated to background noise. This reflects the deeper victory of a neoliberal rationality that privileges competitive individualism and elite managerial skill over collective solidarity, structural explanation, and shared purpose. Westminster journalism doesn’t just report this worldview, it helps manufacture and sustain it, rendering structural politics unintelligible and collective alternatives invisible, while elite personalities and appointments pass for politics itself. #Starmer #Mandelson #EpsteinFiles #Palantir bbc.co.uk/news/articles/ce3g…

👇A joint UK-Ireland probe is warranted, particularly given the use of hidden credit lines by Ulster Bank under the direction/ supervision of RBS. This “shadow system” demands sunlight: parliamentary committees like Ireland’s Public Accounts / Finance and UK’s Treasury Select should immediately subpoena files. The significant protected disclosures made by me in 2015, while serving as an expert on the Irish Banking Inquiry were entirely dismissed by Mr Justice Senan Allen - clearly under orders. Two were substantiated shortly after publication of Allen’s fabricated report and this confirmed in a sworn (unrebutted) affidavit. Allen refused to come forward. Meanwhile, I was offered an extension to my contract 8 weeks POST publication of the fabricated report (despite Allen’s false assessment of my unreliability, crafted to deflect attention from my myriad disclosures). Prior to Allen’s review, I was offered a role to investigate events leading to the issuance of the Irish Bank Guarantee in Sept 2008. It’s very encouraging that a spotlight is now being shone on the extraordinary leaking of sensitive information - directly from the former UK Business Secretary Mandelson to Wall Street titans. I understand that a criminal probe is also underway. All of this means that Britain’s and Ireland’s publics now urgently require scrutiny of how cross-border banking elites have shaped post-crisis asset fire sales in both countries. Grave concerns remain that assets were / are being pursued in Irish courts on foot of contracts with references to collateral serving merely as illusory or pretextual assurances, without any enforceable substance. @Wftproof @stevemiddi1 @BankConfidenti1 @kenoflynnTD @JMcGuinnessTD @Farrell_Mairead @jemmm85517813 @EoinLenihan

Mani on OSM RIP

If it was not for the bravery of moral individuals who stand up to corruption of this state, no one would ever know. Yet these same individuals are destroyed for doing what few are brave enough to do. Grace , cervical cancer, Garda corruption, banking and prison scandals. @NoelMcgree @AnybodyButBerti @MLorrM @Default69202648 @Gardawhistlebl1 #vatgate #HowIrelandWorks

This is the radicalised mass base of Reform and the Tories - wearing our country's flag as a badge of white identity. Learn the lessons of the 1930s - to defeat them needs a militant democracy, radical change and a narrative of hope ✊🚩

This Banksy, which appeared overnight on the side of the Royal Courts of Justice building in London, is extremely powerful.

VAT is the most efficient, neutral, pro-growth, tax. Yes, it can also be regressive, but in many countries - and all developed countries - there are known ways of overcoming this. So why do so many countries apply exemptions? Not for equity reasons; but for political economy ones

The Garda commissioner requested a superintend to investigate issues of fraud that was brought to his attention. The superintend stated it didn’t matter what evidence we had he would show it to be legal. We wrote back into the superintend and the garda commissioner stating three possible conclusions. 1-the superintendent was corrupt. 2- the superintendent was inept. 3- or a combination of both. We never head back , According to the superintendent that false invoicing and false accounting is legal. The deception which results in insurance and tax fraud is legal. That extortion and incitement is also legal. #vatgate #HowIrelandworks

Similarly to Hester, I had a successful career as a capital markets & derivatives lawyer, having worked in-house & private practice with Citibank, Paribas, Standard Chartered Bank, UBS. I acted as Lead Counsel for General Electric Financial Markets & Head of Legal for Bank of Ireland Global Markets / all of these professional conflicts of interest, disclosed in full. I did not choose to end such a career “by inventing” serious wrongdoing as a member of an Expert Support Team in a public banking inquiry, as Mr Justice Senan Allen (Irish Court of Appeal Judge) would have you all believe. Please reflect on how preposterous that would be. At 23 years PQE, I would suddenly begin to speak and I quote Allen: “arrant nonsense”. Instead, initially the Legal Adviser to the Inquiry supported me (in writing) on my concerns re a conflicted team member who had refused to self disclose a professional conflict of interest but wanted to engage on “matters impacted”. Allen did not interview this person. Multiple irregularities were then noted. A colleague resigned in support of my position, yet Allen also refused to interview this person (who had externally substantiated my disclosures as 100 per cent accurate to a lawyer paid for by the State). Further colleagues that I named as having witnessed multiple irregularities were also deliberately not interviewed by Allen. Post publication of the fabricated report about me, former Governor of Central Bank deemed my disclosures to be accurate. It was presumed I would slot in & be part of a “vested interests” team, given my career history - much as those involved in controlling the de Wit Commissions in the Netherlands & who controlled the dismissal & erasure of testimony of the supremely qualified Mr Jules Muis (who testified & raised the alarm in relation to liquidity shortfalls linked to OTC derivatives). I have nothing particularly against banks & commercial enterprises with many wonderful upstanding former colleagues (operating with my own & Hester’s approach to ethics) - but we seem to be in a minority in being against such entities deliberately engaging in (for example): false accounting & concealing this; continuing to lend & securitise while insolvent; issuing dividends & granting significant bonuses while insolvent; using multiple fraudulent means to shore up crippled balance sheets to unlawfully engineer loan defaults against their - in many cases - loyal & financially responsible customers, with a view to stripping their customers of assets, including primary residences. We are also against auditors concealing false accounting & making significant balance sheet adjustments without appropriate explanation. We are also against regulators, certain lawyers & certain members of the judiciary enabling the criminality by facilitating asset stripping, which invariably involves either misleading courts with withheld & doctored evidence or fixing schedules to ensure certain cases are heard by “bank / vulture fund friendly judges”. Heartbreaking to witness the devastating fallout for entrepreneurs & SMEs & the destruction of generational wealth, damage to families & loss of lives. Disheartening to know that “the enablers” continue operating to this day (as Hester still litigates these cases) & the hard evidence of an engineered default is disregarded. Similarly in Ireland, there is (in certain courtrooms) a distinct “cherry-picking of evidence” facilitating bank / vulture fund victories. I am told by fellow lawyers; I follow your account - you are correct, but of course I can’t be seen to publicly support, due to my own role, pay check needed etc. I understand and I ask - find out the role of your firm in this unlawful & ongoing asset stripping & perhaps consider a new role if you do not like what you unearth. The truth emerges in time & hard evidence remains. I am proud to align with Hester & multiple victims of EU bank fraud.

Nick, a retired NHS nurse, likely arrested yesterday He is petrified His interview is so moving: “If not now, when?” “We must say in our thousands, enough is enough” “End the slaughter” “End the massacre” Nick is speaking for humanity He is speaking for a Free Palestine 🇵🇸

OTD 46 years ago: my superheated review of Joy Division in the MM

Never knew a musical hero @markreedermfs had Irish roots until today. Mark’s story is weaved through @neworder history & he released lots of brilliant German trance anthems I played back in the 90s. He’s remixed @TheSawDoctors as a nod to his heritage: bit.ly/3Gaxie9

Greece names new ministers after high-level resignations over farm scandal – POLITICO politico.eu/article/greece-n…

It is a known fact that #Whistleblowers expose more corruption and waste of public funds than any other option. If @FineGael @fiannafailparty want to deliver more public services for less cost then they must support #whistleblowers

After twelve years of whistleblowing, the damage can never be fully compensated. What was done to this man is criminal. In the Netherlands, too, you see lawyers lying to judges and submitting false information for banks that were bailed out with taxpayers' money. In the Netherlands, a liquidity surcharge on Euribor loans has been introduced since 2009 under the guise of making it more expensive to attract money on the money market, while in reality there was extensive collateral fraud in OTC derivatives. The judiciary has even been infiltrated. For example, the Lower Court in Amsterdam has submitted manipulated legal questions to the Dutch Supreme Court @HogeRaad in 2018 and judges in Amsterdam @rbankamsterdam were implementing "policy" based on these manipulated legal questions. This policy means that submitted information regarding liquidity risks, swaps, collateral and collateral management is completely ignored. It is very worrying that both lawyers and judges allow themselves to be used by white-collar criminals and thus become criminals themselves.

Tax payer money-our money was used to perpetrate the fraud and taxpayer money has been used again to cover up the fraud and persecute this man and his family for trying to protect the taxpayer. Criminal cases for fraud should follow.

“‘They’re just ordinary citizens who refused to be part of fraud.’ This week, Mr. @alomohan called for justice for people like him who refused to partake in what they saw as corruption.” 🙏♥️