When the Post Office Horizon scandal shocked the nation, people asked, “How could this happen for so long?”
The harder question is: how many other systems are quietly doing the same thing—every single day?
The uncomfortable truth is that a far larger structural failure exists at the heart of Britain’s financial system.
It doesn’t make the evening news. It hides in spreadsheets, securitisation chains, and offshore trusts.
But the numbers tell their own story:
Over one million citizens have already suffered measurable harm.
Up to ten million more remain at risk.
And more than a thousand lives are estimated to have been lost to suicide as a result.
This isn’t a few bad loans or isolated misconduct.
It’s a national, systemic malfunction—one that converts ordinary financial relationships into instruments of quiet destruction.
The Hidden Blast Radius
Recent research combining whistleblower evidence, parliamentary data, and independent analysis reveals something staggering:
Up to one million UK citizens have already suffered measurable harm through opaque banking and securitisation practices —
and 10–20 million are at risk through exposure to structurally untrustworthy debt instruments.
That’s not hyperbole.
It’s the scale of a slow-motion disaster that rivals the Post Office in design, but not yet in visibility.
The Machinery Behind It
- Hidden credit lines in small-business loans that inflate liabilities and trigger engineered defaults.
- Securitised mortgages and consumer debts sold into offshore SPVs — invisible to borrowers, immune from accountability.
- Asset-stripping “support units” inside banks that turn distress into profit.
- Regulators and enforcers too conflicted or underfunded to confront the institutions involved.
What connects them all is structure: a system designed to conceal risk, fragment responsibility, and keep the public powerless.
See: The Fraud We Don’t Prosecute – Because It Wears a Suit and Writes the Rules.
The Human Cost
Behind the spreadsheets are lives:
- Small business owners who lost everything to “restructuring” units that were supposed to help them.
- Families evicted by banks that no longer even owned their mortgages.
- Customers harassed, silenced, or driven to despair — some, tragically, to suicide.
As The Killing Bank report shows, avoidable suicides linked to banking misconduct now occur with the frequency of a Southall rail crash every six weeks.
This is not random misfortune.
It is the social fallout of structural untrustworthiness — when the financial system itself becomes the source of harm.
How the Academy and Get SAFE Are Responding
At the Academy of Life Planning (AoLP), we see this not as an isolated problem but a systemic one.
We call our response Get SAFE — Support After Financial Exploitation.
Our mission is to transform victims into citizen investigators, planners, and reformers.
Because when institutions fail, citizens must learn to protect themselves and each other.
🧩 The Get SAFE Impact Architecture
We’ve designed a seven-layer system to convert pain into progress:
- Citizen Investigator Network – training ordinary people to document evidence, file Data Subject Access Requests, and build professional case records.
- Quantify the Harm – creating a national data commons of redacted case files to reveal scale and pattern.
- Legal & Advocacy Pipeline – working with lawyers, whistleblowers, and parliamentarians to turn evidence into systemic change.
- Financial Planner Allies – training Total Wealth Planners as first responders against structural abuse.
- Public Awareness Campaigns – turning hidden crimes into visible crises.
- Sustainability Framework – combining charity, co-operative, and commercial arms to stay independent.
- Impact Outcomes – our goal: 100,000 verified cases and 10,000 trained citizen investigators within five years.
How You Can Help
You don’t need to be a lawyer, economist, or regulator to make a difference.
Here’s how every reader can play a part:
🔹 1. Join the Citizen Investigator Movement
If you’ve been harmed — or suspect you have — join our Get SAFE Network.
We’ll teach you how to structure your evidence, communicate effectively with regulators, and reclaim your power.
🔹 2. Support the Academy
Your donation or membership sustains the free victim support services we provide — training, templates, AI tools, and peer mentoring.
Every £10 helps us equip another victim with the tools to fight back. Donate now.
🔹 3. Share the Story
Talk about it. Post the link. Invite others to see what’s really happening.
Visibility breaks silence. Silence sustains abuse. Visit our website.
🔹 4. Become a Total Wealth Planner
If you’re a financial professional, retrain with us. Learn to plan life before money.
You’ll become a guardian of financial sovereignty, not a product seller. Become a Total Wealth Planner.
“👊 The Wake-Up Call: If you’ve ever been a victim or survivor of financial exploitation, corporate bullying, or institutional neglect — AI is no longer optional. It’s your shield. If you’re a financial planner, your role is evolving. You’re not just managing money anymore. You’re managing trust — and that means helping your clients harness AI to defend their financial sovereignty. And if you’re neither victim nor planner, but simply someone who values freedom — now is the moment to learn. Because if you don’t use AI consciously, the system will use it on you.”
A Turning Point for Justice
The same courage that exposed Horizon can expose this too — but only if we act collectively.
Every time a citizen documents their case,
Every time a planner refuses conflicted incentives,
Every time a journalist or MP speaks truth to the system,
We weaken the wall of silence that protects structural injustice.
This is how change begins — not with permission, but with persistence.
Call to Action
👉 Visit www.aolp.info/getsafe
Join, volunteer, or contribute to the creation of a new kind of justice:
Citizen-led, AI-powered, and structurally trustworthy.
Because millions are still trapped in the blast radius — and together, we can help them find the way out.
🔍 Estimated Blast Radius of Structural Banking Fraud (UK)
“What the Post Office was to 900 sub-postmasters, the Hidden Credit Lines scandal was to tens of thousands of business owners — a systemic design flaw turned into a profit engine. Layer it over the £1.5 trillion securitised-debt machine and you glimpse Britain’s invisible crash: a million lives bent around balance-sheet engineering nobody voted for.”
| Layer | Scale of Exposure | Indicative Numbers & Evidence | Estimated Human Impact |
|---|---|---|---|
| Hidden Credit-Line Fraud (RBS/NatWest/Lloyds/Ulster) | £100–£200 billion of concealed contingent liabilities | ~30 000 SME swap sales + 70 000 fixed-rate loans = ~100 000+ cases carrying undisclosed swap-style “credit lines” – each often 20–40 % of loan size. | Tens of thousands of solvent firms forced into GRG/BSU. At 3 – 5 employees per firm → 300 000 – 500 000 people directly hit (owners + staff + families). |
| Asset-Stripping & APS / West Register Disposals | £60 billion + loans offloaded 2009–2012 under Treasury’s Asset Protection Scheme | Tens of thousands of viable SMEs transferred to “Non-Core” and GRG, then liquidated or fire-sold – “a wholesale slaughter” | 100 000 – 200 000 business owners/shareholders lost enterprises and property. |
| Consumer-level exploitation (PPI, mortgage & loan mis-selling, collection abuse) | £48.5 billion paid compensation across sector; Lloyds ≈ £22 billion (45 %) | Millions of retail victims. | ~1.4 k suicides in 2021 linked to problem debt; ≈ 650 Lloyds customers alone. Potential tens of thousands of mental-health crises. |
| Systemic Securitised-debt exposure | £1 – 1.5 trillion live securitised UK loans (mortgage + consumer ABS/CLOs) | 8–9 million mortgages ≈ 1.2–1.7 million securitised; 20 million consumers with at least one securitised debt. | Even if 1 % experience hidden-risk or redress failure → 200 000 – 300 000 potential victims. |
| Aggregate UK citizen exposure to opaque credit structures | £2 trillion + (direct + indirect) | Combining SME hidden credit lines, consumer ABS, and bank securitisation chains. | 0.5 – 1 million citizens suffering measurable harm; 10–20 million at risk through exposure to structurally untrustworthy debt instruments. |
Source: Interest-Rate Swaps & Fixed-Rate Loans: Hidden Credit Lines Mis-selling or the Largest Financial Fraud in British Banking?
🧭 Interpretation for Get SAFE
- “Victims” ≈ 0.5 – 1 million people who have already lost assets, livelihood or mental health through hidden or securitised-debt abuse.
- “Exposed citizens” ≈ 10 – 20 million whose loans, pensions or investments sit inside opaque SPV or CLO structures.
- “Financial gravity well” ≈ £150 – £250 billion of concealed or mis-accounted contingent liabilities—comparable to a mini financial-crisis inside the SME sector.
How We Can Help a Million People Recover from Structural Financial Harm
When the scale of Britain’s hidden financial injustice becomes clear —
hundreds of thousands of families harmed, millions at risk — the next question is inevitable:
“What can we actually do about it?”
At the Academy of Life Planning (AoLP), through our Get SAFE initiative, we’ve spent over a decade studying that question.
The answer isn’t just policy reform or public outrage. It’s architecture — building a new civic infrastructure that protects people from structural untrustworthiness.
This is our blueprint for helping 0.5–1 million citizens already suffering measurable harm,
and safeguarding the 10–20 million whose livelihoods remain exposed.
1. Build a Distributed Citizen-Investigator Network
We can’t wait for regulators to catch up.
So we’re training citizens to investigate — safely, lawfully, and professionally.
- The Playbook: a structured Notion template for documenting evidence, correspondence, and timelines.
- AI Guidance: tools that generate professional-quality letters, DSARs, and complaints.
- Local Hubs: regional mentors who guide new members and maintain standards.
Every citizen who organises their story adds one more piece to the national puzzle.
2. Quantify the Harm
To challenge a captured system, we need data that speaks truth to power.
- National Data Commons: a secure repository of redacted case files.
- Academic Partnerships: economists and criminologists analysing trends, suicides, and systemic links.
- Structural Harm Index: an annual ranking of financial institutions and regulators by redress performance and trust metrics.
Numbers move governments; stories move hearts. Get SAFE uses both.
3. Create the Legal & Advocacy Pipeline
Victims shouldn’t have to fight alone — or reinvent the wheel.
- Pro Bono Barrister Panel: counsel willing to test cases on fiduciary breach, concealment, or corporate manslaughter.
- Strategic Litigation Unit: selecting 10–20 bellwether cases that expose repeat patterns.
- Policy Bridge: transforming case evidence into legislative proposals for APPGs and select committees.
Each case becomes a precedent; each precedent, protection for thousands.
4. Empower Financial-Planning Allies
We can’t fix the system by waiting for regulators; we fix it by changing professional culture.
- Total Wealth Planner Training: equipping advisers to detect structural risk in client portfolios.
- Structural Trust Audits: integrated into every planning workflow.
- Accreditation: public recognition for planners who put human capital before product sales.
Every ethical planner becomes a first responder in the fight against financial harm.
5. Build Public Awareness & Moral Pressure
Opacity protects misconduct. Transparency changes it.
- Campaign Frame: Too Big to Prosecute → Too Organised to Ignore.
- Data Visuals: quarterly Blast Radius updates showing cumulative harm.
- Media & Storytelling: survivor testimonies, podcasts, and AI-powered visual explainers.
When injustice becomes visible, silence becomes impossible.
6. Ensure Sustainability
Reform must endure beyond headlines.
Get SAFE’s structure keeps mission and money aligned:
- Charitable Core: funds free recovery and advocacy services.
- Co-operative Arm: member-owned research and training platform.
- Commercial Interface: professional education, CPD, and AI tool licensing to cross-subsidise the free work.
Integrity is the ultimate currency.
7. Set Measurable Impact Goals
| Metric | 2026 | 2030 Target |
|---|---|---|
| Citizen Investigators trained | 500 | 10 000 + |
| Verified cases in database | 1 000 | 100 000 + |
| Total Wealth Planners accredited | 200 | 2 000 + |
| Parliamentary inquiries influenced | 1 | 10 + |
| Citizens protected or compensated | 5 000 | 100 000 + |
Every number represents a life reclaimed from systemic neglect.
The Principle Behind the Plan
“When millions are exposed through structurally untrustworthy debt, justice cannot remain centralised.
It must become a civic skill.”
Get SAFE exists to teach that skill, to turn isolated loss into collective intelligence, and to make structural trust a social norm.
Join the Work
- Become a Citizen Investigator — organise your evidence, learn your rights.
- Support the Initiative — donate, mentor, or share.
- Train as a Total Wealth Planner — be part of the structural solution.
Together, we can replace extraction with empowerment —
and rebuild a financial system worthy of public trust.
🕯️ Suicide & Structural Harm: The Hidden Human Cost
When financial harm becomes structural, mental health consequences follow on a national scale.
“These aren’t isolated tragedies — they are predictable outcomes of structurally untrustworthy finance.
When institutions externalise harm, people internalise despair.
Get SAFE exists to reverse that: restoring truth, agency, and support where the system has withdrawn it.”
Support lines (UK):
If you or someone you know is struggling, call Samaritans 116 123 or visit samaritans.org.
| Impact Category | Estimated Number (per 1 million people suffering measurable harm) | Source / Basis |
|---|---|---|
| Suicidal thoughts | ≈ 130,000 people | 13% of people in problem debt report suicidal ideation — Money & Mental Health, “A Silent Killer” |
| Suicide attempts | ≈ 30,000 people | 3% of people in problem debt attempt suicide each year — MMHPI 2023 |
| Suicide deaths | 1,200 – 1,500 | Estimated 1 death per 20–25 attempts — ONS & WHO data |
| Mental-health crises / breakdowns | 200,000 + | Conservative estimate including hospitalisation, medication, or breakdowns of relationships and employment |
Summary: For every million people suffering serious financial exploitation or structural injustice,
around one in eight will contemplate suicide, one in thirty will attempt it,
and over a thousand will die — preventable deaths rooted in systemic failure.
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.
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 