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: news
Beyond Regulation: Bringing Consumer Agency Upstream of Harm
The growing momentum behind calls for reform of the UK’s financial regulatory system reflects a shared and increasingly urgent concern: the framework designed to protect consumers is not consistently delivering on its promise. Recent discussions across parliamentary groups, industry forums, and advocacy bodies have rightly focused on questions of accountability, oversight, and enforcement. These are … Continue reading Beyond Regulation: Bringing Consumer Agency Upstream of Harm
Another Redress Scheme, Another Compromise: When Justice Becomes a Calculation
The UK’s financial watchdog has drawn a clear line in the sand. Consumers who pursue car finance claims through the courts may be excluded from the Financial Conduct Authority’s £9.1bn redress scheme. The message is unmistakable: accept the scheme, or take your chances elsewhere. [Source: Financial Times | Go to court and lose out on … Continue reading Another Redress Scheme, Another Compromise: When Justice Becomes a Calculation
The £590,000 Exit: What This Court Case Reveals About Who Really Owns the Client
“When a £590,000 debt is disputed… the real question isn’t what’s owed.It’s what was owned in the first place.” 🧾 The Case Making Headlines A recent Citywire (27 March 2026) report highlights a live court case: A former St. James’s Place (SJP) adviser has been sued for ~£590,000 The debt relates to a loan tied … Continue reading The £590,000 Exit: What This Court Case Reveals About Who Really Owns the Client
When a £1bn Fraud Takes 20 Years: This Isn’t Failure — It’s Structural Untrustworthiness
“When a £1bn fraud takes over 20 years to resolve, with victims still waiting and institutions investigating themselves, the issue isn’t operational failure — it’s structural untrustworthiness.” Let’s be clear. This is not about one bank.It’s not about one regulator.And it’s not about one historical scandal. This is about the architecture of trust in the … Continue reading When a £1bn Fraud Takes 20 Years: This Isn’t Failure — It’s Structural Untrustworthiness
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
Why Human Capital Must Become a Core Part of Financial Planning
The Missing Asset in Traditional Advice For decades, financial planning has been dominated by one assumption: that wealth primarily comes from financial capital—investments, pensions, property, and portfolios. But economists have long known that the largest asset most people possess is not financial capital at all. It is human capital. Human capital refers to the knowledge, … Continue reading Why Human Capital Must Become a Core Part of Financial Planning
Applied Institutional Economics for Personal Wealth
Conley, S. (2026).Applied Institutional Economics for Personal Wealth: The Case for Personal Wealth Governance.Academy of Life Planning. The Total Wealth Planning framework synthesises insights from institutional economics, behavioural economics, human capital theory, and decision science to develop a practical governance model for personal wealth. Why Wealth Governance Is the Missing Discipline in Financial Planning For … Continue reading Applied Institutional Economics for Personal Wealth
⚽ 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
Academy of Life Planning 