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
Tag: politics
FOS Reforms: Why Citizen Investigators Must Step Forward Now
How the “Targeted Support” era reshapes justice for victims of financial harm 🧩 Introduction: When Protection Becomes Permission The Financial Ombudsman Service (FOS) — long seen as the last resort for ordinary consumers — is quietly transforming. Beneath the headlines of “operational efficiencies” and “targeted support,” we’re witnessing the reshaping of Britain’s financial justice landscape. … Continue reading FOS Reforms: Why Citizen Investigators Must Step Forward Now
Rebuilding Structural Integrity in Finance: Why Britain Doesn’t Need Higher Taxes — It Needs Higher Trust
By Steve ConleyFounder, Academy of Life Planning & Get SAFE11 November 2025 Trust Precedes Trade Is consumer protection a priority?Is economic growth important? Here’s the thing — trust precedes trade.It’s a simple truth, but one we’ve forgotten. In August 2024, the UK Supreme Court’s Hopcroft ruling confirmed that credit brokers owe no fiduciary duty and … Continue reading Rebuilding Structural Integrity in Finance: Why Britain Doesn’t Need Higher Taxes — It Needs Higher Trust
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
🌍 Human Capital is the New GDP: 10 Lessons for Holistic Wealth Planners from Budget 2025
💡 The Academy Welcomes Budget 2025: Britain Finally Puts Human Capital First “Strong Foundations, Secure Future” — that’s the slogan of the UK’s 2025 Budget. But beneath the fiscal charts and economic forecasts lies a much deeper signal: the government has finally recognised that the true foundation of wealth is human capital. This year’s Budget … Continue reading 🌍 Human Capital is the New GDP: 10 Lessons for Holistic Wealth Planners from Budget 2025
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
The Next Lloyd’s of London: How Structural Untrustworthiness Still Destroys Lives
“History doesn’t repeat — it compounds.” In 1993, thousands of wealthy professionals opened letters from Lloyd’s of London demanding sums that made no sense.£300,000. £1 million. £3 million.Not what they’d invested — what they owed. Doctors. Farmers. Aristocrats. Widows.All ruined by a system that told them they were special. They were called “Names.” They pledged … Continue reading The Next Lloyd’s of London: How Structural Untrustworthiness Still Destroys Lives
🏛️ From Swindle to Structure: Decoding The Great British Mortgage Swindle
How Citizen Investigators Are Turning Outrage into Evidence-Based Reform By Steve Conley | Academy of Life Planning & Get SAFE Fellowship 1. A Folk Tale That Struck a Nerve A decade ago, a film and lecture series titled The Great British Mortgage Swindle swept through online communities of disillusioned homeowners. Its creator, Michael of Bernicia … Continue reading 🏛️ From Swindle to Structure: Decoding The Great British Mortgage Swindle
Judicial Ambiguity & Structural Collusion: Evidence from the Get SAFE Fellowship
Judicial Ambiguity & Structural Collusion: Evidence from the Get SAFE Fellowship By Steve Conley, Academy of Life Planning Introduction: When Justice Becomes a Maze For over a decade, Britain’s financial victims have been told that justice exists — they simply need to follow the process. But as the Get SAFE Fellowship has shown, those processes … Continue reading Judicial Ambiguity & Structural Collusion: Evidence from the Get SAFE Fellowship
Key lessons for Holistic Wealth Planners
Here are the key lessons Holistic Wealth Planners can draw from Education, Growth and Income Inequality by Coen Teulings and Thijs van Rens: 1. Human Capital Drives Growth—But With Diminishing Returns The study confirms that education (a proxy for human capital) boosts GDP, but each additional year of education contributes less than the last. In … Continue reading Key lessons for Holistic Wealth Planners
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