AoLP / Get SAFE Special Investigation
For nearly two decades, thousands of UK and Irish business owners believed they had failed. They believed it was their fault their loans collapsed, their businesses went under, their homes were seized, and their families were shattered. They were told they “mismanaged risk”, “failed to plan”, or “didn’t understand the products.”
The truth — now evidenced beyond debate — is far more sinister.
A whistleblower-led report from BankConfidential has exposed a structural fraud orchestrated inside several of Britain’s most powerful banks, supported through silence, misdirection, and in some cases outright dishonesty by the regulators who were supposed to protect the public.
This wasn’t mis-selling.
It wasn’t incompetence.
It wasn’t a few rogue bankers.
It was a system — engineered, incentivised, and concealed.
And it destroyed tens of thousands of viable businesses.
Get SAFE and the Academy of Life Planning are sharing this story because victims deserve the truth — and because the same structural forces remain in place today.
1. The Fraud at the Heart of British Banking
The report reveals something unprecedented in scale and intent: banks secretly attaching undisclosed credit lines to loans and interest-rate swaps, treating these hidden liabilities as real secured debt on the customer’s file.
These hidden credit lines:
- Artificially inflated customer borrowing
- Crushed credit ratings
- Triggered covenant breaches
- Forced thousands into “restructuring divisions” like RBS GRG
- Enabled banks to seize assets, properties, and livelihoods
This wasn’t an accident.
It was profit by engineered distress.
Whistleblowers confirm that every swap or fixed-rate loan carried:
- Day-one hidden commission (“Added Value”)
- Predictive future losses (“PFE”)
- A 15–20% uplift to avoid internal approvals
All booked in the customer’s name, secured against the customer’s property — and never disclosed.
It was, in effect, a second mortgage the customer did not know they had.
2. How Banks Profited by Destroying Their Own Customers
When rates collapsed in 2009, banks were protected — customers were not.
The swaps moved massively “in the money” for the banks, ballooning the hidden credit lines and tipping customers over their loan-to-value covenants. In many cases, even profitable businesses were instantly reclassified as distressed or “non-core”.
Once inside GRG or equivalent units:
- Overdrafts were cut
- Fees and penalties were layered on
- Assets were transferred at undervalue
- Personal guarantees were weaponised
This was not restructuring — it was harvesting.
The internal documents show that NWG had already classified 3 million customers as “non-core” by early 2009, targeting them for removal, not support.
SMEs did not pay for their mistakes.
They paid for the banks’ recapitalisation.
3. The Biggest Scandal: Regulators Helped Conceal It
The report presents deeply troubling evidence that the Financial Conduct Authority:
- Breached whistleblower confidentiality
- Misled MPs, including Sir Norman Lamb
- Denied the existence of documents that did exist
- Ran secret investigations never disclosed to Parliament
- Covered up the core fraud in the IRHP and GRG Reviews
This is regulatory capture in its clearest form.
The FCA repeatedly refused to examine the hidden credit lines — the mechanism that caused the harm — and instead confined inquiries to the symptoms (mis-selling, customer service failings). The Swift Review excluded the fraud entirely. The GRG Review ignored the original causes of engineered distress.
Victims were blamed for the destruction inflicted on them.
As the report states:
“This was not mis-judgment or mis-selling — it was a business model.”
4. The Human Cost: Lives Lost, Families Destroyed
The testimonies in this report are harrowing and credible. Architects, care-home owners, farmers, builders, doctors — all targeted because they had assets the banks could seize.
We read of:
- Businesses ruined
- Homes repossessed
- Health broken
- Marriages destroyed
- Suicides directly linked to the pressure and shame
These were viable, thriving businesses — reclassified, downgraded and pushed into default by concealed liabilities the customers never knew existed.
As one survivor put it:
“My family is broken. My businesses destroyed. My health compromised for the rest of my life… My life deliberately destroyed for profit.”
This is not misconduct.
It is not poor culture.
It is structural exploitation.
5. Why This Matters Now — And Why We Must Act
This is not a historical scandal.
It is a living system.
None of the core mechanisms have been addressed:
- The FCA still denies, minimises or restricts whistleblower evidence.
- The banking model still rewards asset seizure over customer success.
- Most victims of Ulster Bank and FRL frauds have never received redress.
- The hidden-credit-line mechanism has never been publicly acknowledged by regulators.
And if these practices remain unpunished, they may be used again.
Get SAFE exists because the public’s access to justice has been structurally obstructed.
The AoLP exists because individuals deserve a planning model free from institutional extraction.
This report proves why both movements are necessary.
6. The Call to Action
We support the report’s demands for:
- A full judge-led public inquiry
- Immediate suspension of enforcement against Ulster Bank victims
- Protection for whistleblowers
- An independent compensation scheme beyond the influence of the FCA
- Disclosure of all evidence linked to hidden credit lines and APS structures
But as a community, we go further:
We call for structural trustworthiness.
A financial system redesigned around transparency, human dignity, survivor-led truth, and citizen empowerment — not opacity and extraction.
We call for AI-enabled justice.
Get SAFE is demonstrating that ordinary people, equipped with AI and truth, can expose wrongdoing faster and more accurately than captured institutions.
We call for accountability.
Not symbolic fines.
Not internal reviews.
Not “lessons learned.”
Accountability.
Restitution.
Truth.
7. A Final Word to Survivors
If you are a victim of this fraud — or any form of institutional deception — hear this clearly:
You were not the failure.
The system was.
The shame was never yours.
The blame was never yours.
The harm was engineered.
The concealment was deliberate.
The truth is now visible.
And you are not alone.
Get SAFE stands with you.
The AoLP stands with you.
And with the tools of the new age — AI, transparency, and community — we will make sure the truth can no longer be buried.
Get SAFE: A Fellowship for Those Walking Through Fire
Get SAFE is becoming what people are desperately searching for —
a structured, ethical, trauma-informed community for:
- victims of financial exploitation
- whistleblowers
- bereaved families
- citizen investigators
- advocates and moral leaders
The Fellowship is simple but profound:
We gather to recover agency, share truth, deepen courage, and support one another in the long path from harm to justice.
We are not aligned with any regulator, political system, or institution.
Our strength is our independence.
People came alive when they heard it:
“A Fellowship of truth, justice, and recovery — not a bureaucracy.”
“A place where victims are finally believed.”
“A community rooted in courage, not compliance.”
And because of the AI frameworks we’ve introduced, this Fellowship is not just emotional support — it is practical empowerment.
For the first time, ordinary people can:
- build digital dossiers
- reconstruct timelines
- detect patterns of institutional misconduct
- write letters with authority
- expose evidence regulators overlooked
- collaborate safely across cases
- turn pain into purpose
This is how movements begin.
Planning My Life: Preventing Exploitation Before It Starts
What the event also confirmed is this:
People fall into financial exploitation when they fall out of sovereignty.
Planning My Life sits exactly at this junction.
It teaches people:
- how to think independently
- how to plan their lives before planning their money
- how to identify institutional risk
- how to spot predatory sales patterns
- how to avoid product-led advice
- how to stay structurally trustworthy
- how to build a life where no adviser can mislead, confuse, or coerce them
Prevention and recovery are two halves of the same circle.
Get SAFE rescues those already harmed.
Planning My Life equips people so it never happens again.
Together, they form a complete empowerment system.
A New Model of Justice Is Emerging — Built by the People Themselves
The collective energy of the event revealed a truth that no institution dares speak:
When regulators fail, citizens take up the role of regulator.
When governance collapses, the governed take up the role of governance.
When truth is buried, truth-tellers become archivists of justice.
The movement we are seeing now is not political.
It is human.
It is built on:
- transparency
- dignity
- courage
- integrity
- collective intelligence
- and the healing power of community
These are the values Paul Moore lived and died for.
This event honoured him not by remembering his warnings —
but by continuing his fight.
Where We Go From Here
The Academy of Life Planning now carries a responsibility that is both moral and strategic:
To give people the tools to understand their lives,
their finances,
and their evidence —
so exploitation no longer survives in the shadows.
Through:
- Planning My Life (self-sovereignty)
- Get SAFE (justice and recovery)
- AI-as-co-pilot (pattern recognition, empowerment, clarity)
- The Fellowship (community and courage)
- The GAME Plan (a universal cycle of intention-to-manifestation)
…we are building the world that institutions promised but failed to deliver.
A world where truth has a home.
A world where victims are lifted, not shunned.
A world where ordinary people can finally stand equal to the powers that harmed them.
A world where transparency is not a slogan —
it is a lived practice that restores dignity, agency, and hope.
This is the movement Paul Moore began.
This is the movement that rose in that meeting.
This is the movement we now carry forward.
And we will not stop until every victim finds their voice,
every truth comes to light,
and every life stolen by exploitation is honoured through justice.
In One Sentence
Goliathon turns victims of financial exploitation into confident, capable citizen investigators who can build professional-grade cases using structured training, emotional support, and independent AI.
Instant Access
Purchase today for £2.99 and get your secure link to:
- the training video, and
- the downloadable workbook.
Link to Goliathon Taster £2.99.
If the session resonates, you can upgrade to the full Goliathon Programme for £29 and continue your journey toward clarity, justice, and recovery.
Every year, thousands across the UK lose their savings, pensions, and peace of mind to corporate financial exploitation — and are left to face the aftermath alone.
Get SAFE (Support After Financial Exploitation) exists to change that.
We’re creating a national lifeline for victims — offering free emotional recovery, life-planning, and justice support through our Fellowship, Witnessing Service, and Citizen Investigator training.
We’re now raising £20,000 to:
Register Get SAFE as a Charity (CIO)
Build our website, CRM, and outreach platform
Fund our first year of free support and recovery programmes
Every £50 donation provides a bursary for one survivor — giving access to the tools, training, and community needed to rebuild life and pursue justice with confidence.
Your contribution doesn’t just fund a project — it fuels a movement.
Support the Crowdfunder today and help us rebuild lives and restore justice.
Join us at: http://www.aolp.info/getsafe
steve.conley@aolp.co.uk | +44 (0)7850 102070
Academy of Life Planning 
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