When Regulators, Broadcasters, and Algorithms Blur the Lines of Accountability
By Get SAFE — Support After Financial Exploitation
A citizen-led initiative empowering victims of financial harm through truth, transparency, and technology.
Written by Steve Conley, Founder of Get SAFE (Support After Financial Exploitation) — a UK-based charitable initiative empowering victims of financial harm through education, advocacy, and AI-driven tools for truth and transparency. Steve is also the Founder of the Academy of Life Planning and a Global Ambassador at the Transparency Task Force. His mission is to help citizens reclaim agency, rebuild trust, and restore integrity across financial and regulatory systems.
For decades, Britain’s institutions — regulators, broadcasters, even the BBC itself — have been trusted to guard the public interest.
But when trust is presumed rather than earned, accountability erodes.
Recent conversations among survivors and advocates across the Get SAFE network reveal a common theme: silence at the top, courage at the edges.
Selective Courage in the Public Interest
The BBC can produce fearless journalism — as seen in the Post Office and Cornish Water scandals — yet victims of financial abuse describe a different experience.
Hours of evidence filmed, interviews conducted… then gone.
Former law-enforcement figures allege that senior editorial decisions prevented full stories from airing. Whether or not one accepts every claim, the perception remains troubling:
Are some of Britain’s gravest financial abuses being edited out of public view?
Trustworthy journalism depends on independence, not selective bravery.
Overlapping Regulators, Missing Accountability
The UK’s web of financial watchdogs — FCA, PRA, TPR, HMRC, FOS — is impressive on paper.
In practice, it often means everyone is responsible, but nobody is accountable.
Victims are passed from one agency to another while institutions cite “jurisdictional limits.”
Public money funds this complexity, yet consumers rarely see justice.
Regulatory overlap has become a smokescreen for inaction.
The Mastercard Moment
When regulators nudge banks, redress is partial and performative.
When they push hard — as in the £19 billion Mastercard collective action — the response shows who truly holds power.
Deals are struck, accountability diluted, and systemic incentives preserved.
The pattern suggests that protecting market confidence often outweighs protecting citizens.
Quasi-State Powers in Private Hands
The Post Office Horizon scandal exposed the dangers of private prosecutions — where an organisation acts as victim, investigator, and prosecutor in its own cause.
Yet similar investigatory powers are emerging within finance and housing.
If commission-driven institutions can deploy enforcement-style capabilities without transparent oversight, we risk repeating history under a different logo.
Who authorised these powers?
Where is the public record?
Who ensures they cannot be abused again?
AI: Automating Capture — or Equalising Power
Financial firms and ombudsman schemes are now testing AI to decide complaints and redress.
Without ethical guardrails, capture becomes automated: algorithms trained on biased precedent will replicate injustice faster and cheaper.
But AI also offers liberation.
Survivors are already using open-source tools to:
- decode complex financial instruments,
- organise evidence bundles,
- cross-check institutional claims, and
- collaborate across cases and continents.
For the first time, citizens can fact-check institutions in real time.
That is not a threat to justice — it is justice in motion.
Macro Meets Micro: The New Accountability Network
Change must flow both ways:
- Macro-level reform through Parliament and public-interest alliances.
- Micro-level empowerment through citizen investigators, survivors’ networks, and AI literacy.
Together, these forces form a new ecosystem of integrity — where ordinary people reclaim agency and truth is crowd-verified, not gate-kept.
Our Call
Get SAFE calls for:
- Transparent editorial accountability in publicly funded media.
- A public map of regulatory responsibilities with named points of escalation.
- Citizen oversight of AI systems used in financial decision-making.
- Clear limits and public reporting on any private prosecutorial powers.
- Sustained funding and protection for victim-led investigations.
Conclusion
The Post Office scandal taught us what happens when institutions become their own referees.
If we fail to learn that lesson, the next injustice will be digital — executed not by people, but by code.
At Get SAFE, we believe technology should expose deception, not entrench it.
Transparency is not treason.
It is how a civil society heals.
Join the movement for structural trust.
academyoflifeplanning.com
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.
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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 