In 2013, a Norfolk business owner walked into his bank with a concern. He believed something was wrong inside his own company accounts—potential fraud, possibly involving a senior employee. He expected support. Instead, he says, the system turned against him. What followed is a 12-year battle involving allegations of unauthorised payments, missing evidence, regulatory inaction, … Continue reading The Evidence That Went Missing: One Business Owner’s Fight for Answers from Lloyds, Police and Regulators
Tag: financial-services
Hidden Credit. Hidden Power. Hidden Harm.
Why Parliament’s Latest Debate Exposes a Deeper Structural Failure “Protection that comes a decade too late is not protection. It is a post-mortem.” That line, delivered in Westminster Hall this week, captures the essence of a scandal that refuses to die—and perhaps more importantly, refuses to be fully acknowledged. On 14 April 2026, MPs gathered … Continue reading Hidden Credit. Hidden Power. Hidden Harm.
A 14-year silence… now under review
“£674m a year in hidden fees over 14 years. Now ask yourself: what did you receive — and are you due a refund?” The Financial Conduct Authority has reopened a question many assumed had already been settled: Should trail commission still exist? Not for new business—that was addressed in 2012 under the Retail Distribution Review … Continue reading A 14-year silence… now under review
The System Is Speaking. Are We Listening?
Artur Nadolny, Citizen Investigator. This article draws on insights shared by John Galajsza, from the APPG on Investment Fraud and Fairer Financial Services summit in Parliament 16th March 2026. What the House of Commons Summit Means for Citizen Investigators By Steve Conley A Moment of Clarity On 16 March 2026, inside the House of Commons, … Continue reading The System Is Speaking. Are We Listening?
Why Financial Harm Keeps Happening — and What People Can Do Before It Does
A new report published by the All-Party Parliamentary Group (APPG) on Investment Fraud and Fairer Financial Services has triggered an important national conversation. The report — “Why Our Financial Conduct Regulation Needs Reforming” — brings together years of evidence suggesting that the UK’s financial conduct regulation system may not be working as well as it … Continue reading Why Financial Harm Keeps Happening — and What People Can Do Before It Does
⚽ When Football Meets Finance: A Warning to Players and Fans
Regulation is not the same as safety.A badge is not the same as due diligence. Recent discussions about closer cooperation between the Financial Conduct Authority and the Independent Football Regulator raise an important question: Should football clubs become gateways for financial product distribution? [Ref: Independent Football Regulator and FCA Memorandum of Understanding, 24/02/2026.] This could … Continue reading ⚽ When Football Meets Finance: A Warning to Players and Fans
Before You Sign / Before You Leave: The Hidden Risk in Adviser Contracts Nobody Explains
There’s a moment in many professional careers when everything looks right on paper. The opportunity is exciting.The numbers work.The future feels secure. And yet, years later, some advisers find themselves asking a very different question: “How did I end up here?” This article is not about blame.It’s about understanding power, contracts, and timing — before … Continue reading Before You Sign / Before You Leave: The Hidden Risk in Adviser Contracts Nobody Explains
Two Worlds. One Bridge.
Why the Academy of Life Planning Exists There are two worlds living side by side. Most of us were born into the first. The Old World: Structurally Untrustworthy Systems The world we inherited is shaped by financial services, economics, politics, and religion built on intermediation. It is a world organised around power over people. Here, … Continue reading Two Worlds. One Bridge.
Lessons for Citizen Investigators: What the Psychology of Scams Really Teaches Us
Why understanding harm matters more than spotting tricks. In 2009, the Office of Fair Trading commissioned a major piece of research into the psychology of scams. It was rigorous, humane, and ahead of its time. It also quietly disappeared. Not because it was wrong — but because it was inconvenient. For anyone involved in Get … Continue reading Lessons for Citizen Investigators: What the Psychology of Scams Really Teaches Us
Are We Educating the Next Generation — or Recruiting Them Into a Broken System?
When a profession celebrates widening access, it must also ask a harder question: access to what? This week, the Chartered Insurance Institute (CII) and Personal Finance Society (PFS) announced that over 6,600 young people have taken part in their virtual work experience programmes since 2023. The story is being framed as a success: Diverse participation … Continue reading Are We Educating the Next Generation — or Recruiting Them Into a Broken System?
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