Your Money or Your Life: Clean Up the City

What we must do to live with a system that treats redress from banking misconduct as just another line in a business case

In solidarity with Noel Edmonds—and the thousands silenced, stalled, and sold out.

They burned your business to the ground—and now they call it a “historic case.”

The fraud was criminal. The impact, catastrophic. But the compensation? That’s just a “cost of doing business.”

That’s how the City works. That’s how they sleep at night.

Noel Edmonds, once a household name for Deal or No Deal, stood in Parliament not for ratings—but for justice. Not just for himself, but for the unseen, unheard victims of Britain’s most shameful banking scandal: the HBOS Reading fraud.

Six criminals went to jail. Lloyds Bank apologised. And still—the victims waited.

The Real Deal? You Were Always the Pawn.

Edmonds lost everything when corrupt financiers tied to Lloyds torched his business. They didn’t just take his company—they took years of his life. And when the damage was done, the bank quietly tucked redress into its profit forecasts.

“They mislead—maybe not always knowingly—but they’re pretty bad at forecasts,” Edmonds told the press.
“At first, they said £90 million for PPI. It became £18 billion.”

That’s not justice. That’s accounting.

They build the crime—and its cleanup—into the business plan. You, the victim, are not a person in pain. You’re a projected cost, a calculated liability, a number they hope never calls back.

This isn’t just Edmonds’ story. It’s yours.
And it’s ours.

Redress: A Word That Has Lost Its Meaning

Lloyds has “apologised.” They’ve “set aside £100 million.” They’ve “processed 95% of cases.”
But dig deeper and you find stories like Trevor Mealham’s, another victim who stood up and said what too many still fear to:

“This is very, very corrupt. You’ve got bent coppers. Detectives who aren’t doing their job.”

Even the police, he claims, investigated themselves.

Let that sink in.

A system so incestuous, so immune to accountability, that criminals can wear suits or badges, and still walk free—while victims are told to “move on.”

The Revolving Door of Regulation

Edmonds calls it “the regime.”

Regulators, auditors, and legal firms—meant to protect the public—are often the same insiders who profit from the fraud.
KPMG audits the banks. City law firms conduct the “independent” inquiries. The FCA hires from the very firms it’s supposed to oversee.

“These people know where the skeletons are,” says Edmonds.
“They know how to malpractice—and how to get away with it without breaking the law.”

You want justice? You’re facing a wall of institutional complicity.

They’ll smile politely. Delay endlessly. And when they finally make you an offer, it’ll be a fraction of what was stolen—if anything at all.

The White Horse Trust: A Beacon Dimmed

In 2018, Edmonds announced the creation of the White Horse Trust, aiming to support victims of banking misconduct. However, public records and media reports since then provide no further information about the trust’s development or activities.

What Must We Do?

Expose the Lie
That redress is justice. It’s not. It’s damage control. It’s PR.
Real justice would involve root-and-branch reform. Real prosecutions. Real protection for whistleblowers and victims.
Name the Game
Know that these banks build fraud settlements into forecasts. They sell you products they know you don’t need—and the fines are just overheads.
Reclaim the Narrative
The City isn’t too complex to understand. It’s deliberately opaque. But when you learn their game—like Edmonds has—you see how rigged the board really is.
Support Each Other
While the White Horse Trust’s current status is unclear, the need for mutual support among victims remains critical. Sharing resources, contacts, and experiences can empower individuals to seek justice.
Demand Systemic Reform
We need regulators that don’t rely on City jobs as their next career move.
We need police that don’t investigate their own.
We need banks that aren’t allowed to profit off criminality.

This Is More Than a Lawsuit

This is a reckoning.

If you’re reading this and you’ve been wronged—by a bank, a broker, an ombudsman who closed your file without reading it—know this:

You are not the problem. You are the proof.

The proof that this system is broken, that redress is a façade, and that the “cost of doing business” has always come from your pocket—and your pain.

The Time Is Now

This isn’t about revenge. It’s about reclaiming power.

Now is the time to unmask the robbers.
Now is the time to clean up the City.
Now is the time to rebuild and thrive.

Your Money or Your Life?
We say both.

And we say it loud.

Note: Noel Edmonds has recently shifted his focus to new ventures, including a television series set on his New Zealand estate, as reported by The Guardian.

🙌 Stand With Ian. Speak the Truth. Spark the Change.

Ian Davis fought not just for himself, but for all of us.
If you’ve been affected by financial crime, or if you believe no one should ever suffer in silence—share this story. Raise awareness. Demand reform. Reclaim your power.

🔗 Share this post with someone who needs to read it.
📣 Join the movement to unmask the robbers and rebuild lives.
✍️ Leave a comment to honour Ian or share your story.
🤝 Volunteer or collaborate with the Academy of Life Planning or Transparency Task Force.

🕯️ Let’s make sure no voice like Ian’s is ever silenced again.