⚠️ The Hidden Downgrade: How Banks Reclassify Your Home to Seize It Cheaply For nearly two decades, a quiet sleight of hand has been used across Britain’s mortgage and securitisation system — a tactic that converts good-quality, low-risk, residential loans into buy-to-let “junk” assets ripe for exploitation. We’ve identified and documented this pattern repeatedly through … Continue reading ⚠️ Hidden Downgrade: When Banks Reclassify Your Home to Seize It Cheaply
Tag: financial-exploitation
Britain’s Hidden Blast Radius: How Millions Are Trapped in Structurally Untrustworthy Debt — and What We Can Do About It
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 … Continue reading Britain’s Hidden Blast Radius: How Millions Are Trapped in Structurally Untrustworthy Debt — and What We Can Do About It
🏦 The Rules of the Game Are Being Rewritten Again — and the Referees Are Looking the Other Way
By Steve Conley, Founder, Academy of Life Planning & Get SAFE Initiative The quiet return of deregulation When Paul Thwaite, the chief executive of NatWest, declared this week that the UK is “closer to the start than the finish line” in its mission to overhaul regulation, he wasn’t issuing a warning. He was celebrating. And … Continue reading 🏦 The Rules of the Game Are Being Rewritten Again — and the Referees Are Looking the Other Way
When Algorithms Replace Empathy: The Human Cost of Automated Banking
By Steve Conley, Academy of Life Planning & Get SAFE On Christmas Day, a man received a text message from Lloyds Bank demanding repayment of a loan.He had lost his job during the pandemic, was living in a friend’s spare room, and doing his best to hold his life together. The message arrived just before … Continue reading When Algorithms Replace Empathy: The Human Cost of Automated Banking
Ireland Exposes What the UK Must Confront: The Hidden Truth Behind Mortgage Ownership
By Steve Conley, Academy of Life Planning A landmark case in Dublin this week has pulled back the curtain on a truth that applies equally here in the UK — most homeowners no longer have a mortgage with a bank at all. In Ireland, Judge Geoffrey Shannon of the Circuit Civil Court refused to grant … Continue reading Ireland Exposes What the UK Must Confront: The Hidden Truth Behind Mortgage Ownership
💠 The Invisible Owner: When a Mortgage Isn’t What It Seems
How Get SAFE Helped Stop a Tragic Eviction Before Christmas Last week, we helped an elderly couple avoid what could have been a fatal injustice.After fourteen years of battling an untraceable lender, they were days away from being evicted from their home — despite serious medical conditions and overwhelming evidence that the bank trying to … Continue reading 💠 The Invisible Owner: When a Mortgage Isn’t What It Seems
🕸️ From Empire to Exploitation: The Crown’s Hidden Hand in Financial Secrecy
How one letter to the Privy Council exposes Britain’s modern financial empire — and why Citizen Investigators are fighting back. “The soldiers left the colonies, but the bankers never did.” — The Spider’s Web: Britain’s Second Empire When The Spider’s Web first revealed how Britain’s colonial empire quietly transformed into a financial one, it shocked … Continue reading 🕸️ From Empire to Exploitation: The Crown’s Hidden Hand in Financial Secrecy
We Shall Not Be Silenced: The Citizen Investigators Rising to Reclaim Justice
Fellows of Get SAFE — Citizen Investigators, When a great wrong has been done to ordinary people, it is not only laws that must answer — it is courage, persistence and the steady work of many hands. We have chosen to stand where others have been pushed aside: to gather facts, to hold evidence, to … Continue reading We Shall Not Be Silenced: The Citizen Investigators Rising to Reclaim Justice
When Justice Nearly Failed: How Get SAFE Helped a Family Find Peace Before Christmas
There are moments when the human cost of financial exploitation becomes painfully visible — moments when the system designed to protect us instead threatens to destroy us. This is the story of an elderly couple we’ll call D & A, who came within days of losing not only their home, but possibly their lives. A … Continue reading When Justice Nearly Failed: How Get SAFE Helped a Family Find Peace Before Christmas
How AI Is Helping Ordinary People Find Their Voice – and Why the Judiciary Is Catching Up
“Hi Steve,Just wanted to say a big thank you again for introducing me to my GPT – Co-pilot 🧑✈️.It’s honestly changed everything for us.”— John Galajsza, citizen investigator and survivor advocate When Joshua Rozenberg recently revealed that “every judicial office-holder in England and Wales now has access to Microsoft Copilot,” it marked a historic turning … Continue reading How AI Is Helping Ordinary People Find Their Voice – and Why the Judiciary Is Catching Up
Academy of Life Planning 