If you’re reading this I imagine you have an interest in banking or bank fraud because that’s mostly what I write about. That and the subjects that are associated like regulators, auditors, administrators and (a nasty consequence of bank fraud) bailiffs. It’s strange I should end up writing on these subjects because, by profession, I’m a lyricist and a music publisher. But there hasn’t been too much music in my life since 2007 when my husband Paul and I uncovered a huge fraud originating at HBOS Reading.

Ironically, HBOS Reading is the one subject I can’t write much about because the whole thing has been subject to sub judice since 2013 when 10 people were charged with various crimes including money laundering, corruption and fraudulent trading – and my bank manager faces an additional charge of blackmail. The criminal trials are due to start in January 2015 which will be almost 8 years since Paul and I discovered what was going on. Time does not fly when you’re not having fun and, like many of the victims of the various and elaborate frauds the banking world has plagued society with, we have not had too much fun over the last 8 years.

However, some good thing that has come out of all this. The years of research we’ve done have opened my eyes to many things I had never considered in the past and some of that research will hopefully be helpful to other people. For example, we’ve been through 22 eviction hearings since 2007 as the Bank that first defrauded our business and stopped us trading decided to try and take our home as well. Fortunately they haven’t been successful and Paul, as a litigant in person, has become very practised in saving not only our home but he has helped many others stay in theirs. Similarly, we’ve also had to research bailiff laws – what they can and can’t do. And of course, we’ve had to become conversant with the various banking rules and regulation (banks apparently don’t consider actual laws as such – not even common law and they simply get their shareholders to pay massive fines as a replacement for prosecutions). Except, I’m happy to say, in the fraud we uncovered. Although only time will tell if the bankers and their associates in that case, will ever go to jail.

I hope anyone reading this will find my blogs helpful and informative. As I said, I can’t write much about HBOS Reading but I will be putting up some extracts from the book I’m writing about it – bits about regulators and the senior management of HBOS and Lloyds Banking Group. There is one positive thing I can say about bankers – they are a very interesting bunch and even John Grisham couldn’t invent some of the spectacular and innovative frauds they’ve come up with. Masters of the universe they are definitely not but, from a writers perspective, I would say they are the masters of the ripping yarn and their antics never fail to amaze. Unfortunately they have managed to cripple society in the process and that is the main subject of this blog site – How and when will we stop them?



1 thought on “About

  1. Anonymous

    Nikki, after seeing the BBC News yesterday (30th January 2017) highlighting 3 bankers guilty of corruption in banking – as well as the failing banking organisation measures to detect these issues for themselves – no, it was up to you and in such scenarios – individuals outside the “organisation” to pursue justice and bring unmask these issues for public transparency and determining justice – I sincerely hope that regulation of bankers improves – as well as all other working sectors. Until the world gets there, your pursuit for justice highlights the importance to the general population of how important their role is in detecting things that do not seem quite right – and being dedicated to a pursuit in order to show that wrong doing perpetrators are held accountable.



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