First excerpt from 350 page document Giles has produced which includes many nefarious activities. Instigated by other parties that caused the downfall of Giles Landscapes Ltd.
As you will se modern technology has put my notes in an organised manner plus have the evidence to fill-in list of recommendations
Roger Giles, founder of Giles Landscapes Ltd, alleges that from approximately mid-2013 his Financial Director Michael Hanna used an unauthorised secondary Lloyds Bank account — opened without Giles’s knowledge under the trading name ‘Creative View’ @giles— to launder money from his sons and at least one other business, Hambro Roofing Ltd. When Giles formally raised his concerns with Lloyds Bank on 27 November 2013, the bank replaced his long-standing manager, introduced a Business Support Unit that threatened to reduce his lending, and permitted a further Creative View Anglia ltd account to open &continue operating. This sequence of events forms the foundation of Giles’s allegation that Lloyds Bank not only failed in its duty to investigate but actively acted against the interests of the person who reported the suspected fraud. Giles subsequently saw his award-winning thirty-staff business — [recognised at RHS Chelsea and Sandringham —plus recognised ecologically re projects such as gunpowder park Enfield ] destroyed, while his reports to Lloyds Bank, Norfolk Police, and other institutions produced no effective intervention.
This Banking crime Dwarfs the Post office Scandals i Roger Giles Originaly sole owner of Giles landscapes ltd after participating in several meetings in the debating rooms in the house of commons 2 things are clear i and thousands of others suffered from organised crime perpetrated
by lloyds & other leading bankers who were/are destroying there customers business to claim there property & Assets i have the feeling after fighting these criminals since 2013 the corner has been turned see John McDonnell mp putting our cases to to parliament.
https://parliamentlive.tv/event/index/fce4a904-65be-4d18-ba80-208d0763be1f
Former BBC Correspondents, Steve Brodie and Emily Buchanan, have spent years following the fate of people who say their businesses were destroyed by the practices of our high street banks; banks which only survived the crash of 2008 with the help of vast taxpayer bailouts. What they have discovered is a story of how those too small to resist were sacrificed to save those too big to fail.
Business owners and farmers who expected support from their lender through hard times instead found themselves in bank recovery units where they were not rescued but were driven under so that the bank could seize their assets.
The tactics unearthed are shocking. Financial products added to loans so the business became unknowingly weighed down with extra liabilities. Loans sold as underwritten by the government when it was the banks, not the business owners, who would be refunded. Funds transferred between accounts without consent to stretch a business to its limits. Whatever the method, and there were many more, the inevitable default would lead to aggressive enforcement of debt.
The pair have also spoken to whistleblowers, ex bank managers and industry insiders who reveal the scale of these practices and the incentives for carrying them through.
The human cost of the banks’ actions has been immense. Proud entrepreneurs have seen their once successful businesses dragged down leaving families torn apart and homes repossessed. Many have taken their own lives.Brodie and Buchanan point to numerous failures by the police, the regulators and politicians while customers endure endless court hearings against impossibly well-funded opponents.
Largely overlooked until now, A Very British Banking Scandal exposes, yet again, how our culture of nods, winks and networks protects those in power but leaves a trail of misery in its wake.
plus big hitters like ex Thames valley PCC Anthony Stansfeld who’s chief constable put the HBOS criminals behind bars & lord Prem Sikka also are strongly Batting for us i also understand
by Steve Brodie & Emily Buchanan is coming out 12th November 2026, if PM Andy Burnham get in co with MP John McDonnell we are in with a chance
AS I MAY COME ACCROS AS A BIT ODD AT TIMES CHRISS PACKHAM HAS PRODUCED SOME BRILIANT VIDIO.S THAT HELPS US NERODIVERS INDAVIDUALS PLEASE CL,ICK ON ABREVIATIONS TO SEE CHRISS HAVUNG FUN WITH LOSE WIMEN
[ D C Richie re my fraud case & dc Forman Welney fraud case were totally disadvantaged when moved to child protection team [caiu] these fraud cases should have stayed with C I D they were both treated very unfairly in my opinion it must of been bad for there mental health having to attempt to do 2 jobs ]
end of 2013 a bsu Lloyds manager attempted to gaslight me into thinking my business was of a low poor standard please click on my bragging page
Case Overview
Roger Giles, founder of Giles Landscapes Ltd, alleges that from approximately mid-2013 his Financial Director Michael Hanna used an unauthorised secondary Lloyds Bank account — opened without Giles’s knowledge under the trading name ‘Creative View’ — to launder money through his company and at least one other business, Hambro Roofing Ltd. When Giles formally raised these concerns with Lloyds Bank on 27 November 2013, the bank replaced his long-standing manager,
Introduced a Business Support Unit that threatened to reduce his lending, and permitted further Creative View Anglia account activity to open &continue. trading. This file note adds a further layer of alleged misconduct: that Paul Fuggle — introduced with Lloyds Bank’s support — held a position of undisclosed conflict of interest as Business Development Manager at Undebt, the insolvency practitioner Fuggle recommended to wind up Giles Landscapes, and that Fuggle and Christine Robinson allegedly worked together through Clear Focus Consulting a further conflict of interest. Corroborating evidence from accounts assistant Loretta Largey, IT consultant Bob Frusher, and John Froggatt collectively challenges the insolvency narrative that the company’s accounts were in disorder, and raises unanswered questions about the conduct of the police investigation, which failed to carry out promised witness interviews.
Chronological Timeline
- 27 Nov 2013
Roger Giles meets Lloyds Bank Manager Steve Clarke in King’s Lynn to formally raise concerns about suspicious activity on a secondary company bank account — this is the date he identifies as the point at which he confirmed suspicions of illegal trading.
File Note – Letter to MP Terry Jermey with Supporting Narrative Dossier
- 27 Nov 2013
Roger Giles formally raises concerns about a suspected unauthorised secondary account with Lloyds Bank Manager Steve Clarke in King’s Lynn; within days the bank replaces his manager, introduces a Business Support Unit threatening reduced lending, and permits a further Creative View Anglia account to open and operate.
File Note – Formal Concerns Raised with Lloyds Bank on 27 November 2013 and Subsequent Bank Response
- 30 Nov 2013
Roger Giles creates formal file notes regarding Michael Hanna (Evidence File 20), three days after his meeting with Lloyds Bank manager Steve Clarke in King’s Lynn.
Narrative Dossier Pages 201–250 – Evidence Files 19 (cont’d), 20 and 21 - 05 Dec 2013
Lloyds Bank allowed Hanna or Hanna’s son to open a further ‘Creative View Anglia’ account approximately eleven days after Giles formally raised concerns about suspicious activity on 27 November 2013, according to this file note; the second victim Hambro Roofing subsequently flagged this account to Metropolitan Police DC Debra Wyatt [ who i roger Giles met at Snaresbrook crown court Debra was excellent but the judge did not play ball very well]
File Note – Internal Narrative Detailing Hanna’s Alleged Fraud, Lloyds Bank Response, and Collapse of Management Support
- 02 Nov 2015
Roger Giles formally requests account information from Lloyds Bank, as documented across Evidence File 23 pages 276–279 of the compiled dossier. Narrative Dossier Pages 251–300 – Evidence Files 22–26 (Roger Giles, compiled 2024), pages 276–279 - 14 Apr 2016
Roger Giles meets Norfolk Police officers dc Carl Ritchie and Sergeant Jessop; Ritchie promises to contact Tim Trood of Lloyds Bank to obtain copies of disputed cheques but later fails to do so; meeting was arranged following intervention by MP Liz Truss. Narrative Dossier Pages 301–347 – Evidence Files 27–31, pages 343–346 - 15 May 2018
Roger Giles writes to D/C Carl Ritchie of Norfolk Police submitting Evidence File 19 — a formally indexed collection of communications and supporting evidence relating to alleged fraud by Michael Hanna and Lloyds Bank — one day before his letter to D/S Thacker dated 16 May 2018. Narrative Dossier Pages 151–200, Evidence File 19, Letter to Carl Ritchie dated 15 May 2018 - 09 Oct 2018
MP William Wragg leads a House of Commons Westminster Hall debate on business banking fraud, referencing the Lloyds BSU modus operandi; the debate records that Jonathan Miles of Alder King posed as a bank manager in dealings with a Lloyds customer — a pattern consistent with Roger Giles’s own account.
File Note – Narrative Dossier Pages 101–150, page 104, referencing Hansard transcript at https://hansard.parliament.uk/commons/2018-10-09/debates/362E54F9-B141
- null
File note compiled by Roger Giles documenting alleged coordinated misconduct by Paul Fuggle and Christine Robinson, including Fuggle’s dual role recommending and working for insolvency practitioner Undebt, manipulation of SAGE records and invoice dates, exclusion of trusted accountants Stretts Whit marsh &sterling .plus Giles trusted in house accounts assistant l largy - and failure by DC Carl Ritchie to conduct promised witness interviews.
File Note – Specific Details of Alleged Nefarious Activities by Paul Fuggle and Christine Robinson
- Date on &around 2018
- Roger Giles compiles and files a multi-section narrative dossier (pages 51–100) drawing together documentary evidence of alleged fraud by Michael Hanna, Lloyds Bank BSU misconduct, police failures across Norfolk and Metropolitan forces, DSAR redactions, parliamentary blocking by Tom Tugendhat, and connections to the wider Operation Meadows banking scandal network.
File Note – Narrative Dossier Pages 51–100 (Roger Giles, compiled 2024)
- Mid March 2014
Roger Giles is encouraged to hire Paul Fuggle as a result of, or with the explicit endorsement of, Lloyds Bank —
File Note – Roger Giles Encouraged to Hire Paul Fuggle with Lloyds Bank’s Blessing
Witness Statement
I am Roger Giles, founder of Giles Landscapes Ltd. I built my company over more than thirty years from nothing into an award-winning business employing thirty staff, winning gold medals at RHS Chelsea and Sandringham, and contributing significantly to the community and economy of Welney. That business was destroyed after I reported suspected fraud to my bank, and every institution I turned to for help — Lloyds Bank, Norfolk Police, the NCA,FCA and the courts — either failed to act or actively obstructed my attempts to obtain justice. I want it on record that the cheque cashed before my company was issued that cheque number is not a matter of interpretation — it is a documented, physical fact that directly proves Lloyds paid money out of my account in a way that their own representative told my MP was impossible. I also want to be clear that my mental health, and the mental health of Jon Hammersley and others, has been severely and measurably damaged by the conduct of Lloyds Bank, the police forces involved, and the government officials who chose to close doors rather than investigate. I attended a Lloyds Banking fraud victims protest outside the Grosvenor House Hotel in London in 2021, having been discharged from hospital where I was being treated for five life-threatening conditions, because I was determined that my voice and the voices of my fellow victims would be heard. I now live in my son’s house on pension income alone, i was surreptitiously coerced into signing an NDA to resolve a Lloyds related matter, and I own nothing — the direct result of a fraud that was reported to the correct authorities and was never properly investigated. Emma Baldwin and Gary Evison both made file notes about Michael Hanna that are included in my dossier — these are independent accounts from people who had direct knowledge of his conduct, and they support what I have been saying from the beginning. I also documented my own conversations with Michael Hanna directly, and all of this was put before Norfolk Police as part of a formally indexed evidence package. Within three days of my formal meeting with Lloyds Bank on 27 November 2013, I had already committed my concerns about Michael Hanna to writing in a formal file note — that is now Evidence File 20. By September 2015 I was writing directly to a Detective Inspector at Norfolk Police, and I have every one of those letters on file. These pages confirm that by May 2015 I had written directly to a Chief Superintendent, and by July 2015 to a Mrs Booker of HMRC and P/C Chandler, demonstrating that I was repeatedly escalating my concerns to police at a senior level during this period and receiving no resolution. By November 2015 I was still having to formally request my own account information from Lloyds Bank, more than two years after I first reported the suspected fraud to them. An email from Loretta Largey to me, now filed as part of Evidence Files 31, provides a named third-party account of the activities of Paul Fuggle and Christine Robinson within Giles Landscapes, corroborating my own account of their conduct. Lynn Stephens also features in a contemporaneous email exchange from June 2015, which I can use to contextualise the cash flow difficulties that were being experienced at the time and to challenge any suggestion that financial pressures at that period were of my own making. Jon Hammersley and John Loveday, together with their families, are identified in this file note as witnesses whose statements are to be obtained and filed in support of the account of events described. Christine Oban, now Christine Robinson, is identified as a key participant whose conduct — including her initial productive work on the evidence folder and her apparent collapse around 14 March 2014 — will require direct witness evidence or documentary corroboration. I was also encouraged to hire Paul Fuggle, and I have recorded that this happened with the blessing of Lloyds Bank. I now believe this was not a coincidence, and I want to understand exactly who at Lloyds encouraged this appointment, Lloyds also surreptitiously y got me to sign a n NDA on a related matter in there favour , and why. I formally raised my concerns about Michael Hanna’s suspicious account activity with Lloyds Bank Manager Steve Clarke on 27 November 2013, and I documented everything that followed in detailed file notes starting three days later. Instead of investigating what I reported, the bank removed my manager, threatened to cut my lending through a Business Support Unit, and allowed the Creative View Anglia account to open and keep operating — all of which I recorded at the time. My accounts assistant Loretta Largey has provided written confirmation that the SAGE system was fully up to date, directly contradicting the claim made by Undebt’s Maddock that SAGE was in a mess — and my IT consultant Bob Frusher has confirmed in writing that the IT upgrade and software switch recommended by Fuggle were unnecessary and served Fuggle’s financial interests, not mine.
Evidence Library
001 File Note – Letter to MP Terry Jermey with Supporting Narrative Dossier
(Roger Giles)
null Letter
This is a detailed letter and accompanying narrative dossier prepared by Roger
Giles of Giles Landscapes Ltd, addressed to his MP Terry Jermey, alleging that
Lloyds Banking Group facilitated or covered up fraud and money laundering
perpetrated against his company by his former Financial Director Michael Hanna.
The document identifies three alleged victims connected to Operation Meadows —
Roger Giles, Jon Hammersley of Hambro Roofing Ltd, and John Loveday of DEM
Sports — and sets out a comprehensive account of the business, the alleged
criminal activity, the police investigations, and the institutional failures
that followed. It names numerous individuals across Lloyds Bank, Norfolk
Police, the insolvency profession, the legal profession, and Parliament who are
said to have either participated in, or failed to act upon, the alleged
wrongdoing.
WHAT THIS SHOWS:
The document states that Roger Giles reported concerns about a secondary bank account to
Lloyds Bank on 27 November 2013, that two police cases were opened (C/R10765/14/7 and C/R
36/55070/20) and subsequently closed without prosecution, that a third Creative View
Anglia Ltd Lloyds account was opened on 5 December 2013 — eight days after Giles raised
concerns — and that Det. Supt. Thacker classified money laundering evidence as ‘poor
financial practices’ rather than criminal activity, leading to closure of the second case.
WHY IT MATTERS:
This document establishes the foundational narrative of the case, identifying the alleged
perpetrators, the institutions said to have enabled or covered up the fraud, the pattern
of police inaction, and the community and economic harm caused, making it the primary
reference document against which all subsequent evidence should be assessed.
002 File Note – Narrative Dossier Pages 51–100 (Roger Giles, compiled 2024)
Other
A multi-page narrative dossier compiled by Roger Giles, incorporating letters,
emails, cheque evidence, witness statements, DSAR extracts, MP correspondence,
and police case references, documenting alleged fraud by Financial Director
Michael Hanna, alleged complicity or negligence by Lloyds Bank, and alleged
obstruction of justice by Norfolk Police, the Metropolitan Police/ Mainly aggravated by the judge lacks management of the Hambro Case at Snaresbrook Crown Court., and government ministers. The dossier details a secondary Lloyds account opened
without Giles’s knowledge, cheques cashed before issue to the company, DSAR
redactions by Lloyds, the introduction of consultants Fuggle and Robinson who
are alleged to have bullied accounts assistant sabotaged the business, and the blocking of parliamentary
representation by Minister Tom Tugendhat. It also connects the case to a wider
network of Lloyds BSU victims under Operation Meadows.
Tom Tugendhat recently seems to come across a very sound forward thinking politician of a good morale compass. Bearing this in mind i find it very strange that i hold 3 letters were he was clearly blocking the voices of us banking victims being heard at a parliamentary level. Many things appear to be coming up on X exposing this huge banking scandal please take note of my profile on X – https://x.com/FenlandFlagVBSU
WHAT THIS SHOWS:
The document directly states or shows: a cheque numbered 003626 for £1,700 was cashed from Giles Landscapes’ account before that cheque number was issued to the company; Timothy Trood of Lloyds wrote to MP Liz Truss stating Lloyds only paid out on correctly formatted cheques; a meeting on 14 March 2014 between Giles, Christine Robinson, BSU Manager Kevin Harris, and Steve Clarke was redacted from Lloyds’ DSAR; Loretta Largey’s handwritten statement asserts that Paul Fuggle asked for invoice dates to be altered; D/S Thacker described money laundering as ‘poor financial practice, not criminal activity’; Norfolk Police did not contact liquidators \of Hanna’s sons company McTear, Williams and Wood despite being given that lead; P/C Andy Smith wrote on 23 April 2021 that Lloyds stated they operated within policy; Tom Tugendhat MP blocked parliamentary representation for Giles, Hammersley, and
Jones by relying on Avon and Somerset Police findings that Lloyds had done nothing wrong; and ex-Thames Valley PCC Anthony Stansfeld stated in writing that key evidence in MrKashif Shabir’s favour was withheld from those same police forces.
WHY IT MATTERS:
This dossier constitutes the primary evidence bundle and narrative spine of the case,
establishing a documented pattern of alleged fraud, institutional cover-up, DSAR
manipulation, police inaction, and political obstruction that, if verified, would support
findings of systemic failure across Lloyds Bank, Norfolk and Metropolitan Police, and government oversight.
003 File Note – Narrative Dossier Pages 101–150 (Roger Giles, compiled 2024)
null Statement
This section of Roger Giles’s narrative dossier covers pages 101–150 and sets
out his account of parliamentary obstruction by Minister Tom Tugendhat, the
findings of the 2018 Wragg Commons debate on business banking fraud, the
involvement of Lloyds BSU operatives and external consultants in the
dismantling of Giles Landscapes, the conduct of two Norfolk Police
investigations (C/R 10765/14/7 and C/R 36/55070/20), and the eventual collapse
of both cases. It also references the Op Meadows victim group, corroborating
testimony from fellow Lloyds fraud victims, and the personal and financial
devastation suffered by Giles and his family. Supporting documentary exhibits
referenced include letters from D/I Weller, D/C Smith, Timothy Trood of Lloyds,
Anthony Stansfeld, and correspondence with the Police Crime Commissioner
WHAT THIS SHOWS:
The document directly references: a letter from Minister Tom Tugendhat to MP Liz Truss dated 6 December 2022; the Hansard transcript of the Wragg Commons debate of 9 October 2018 (including the disclosure that Jonathan Miles of Alder King posed as a bank manager); a letter from Timothy Trood of Lloyds Bank denying that Mr Sabri acted as a secret Lloyds agent; a letter from Anthony Stansfeld contradicting Tugendhat’s claims about Avon and Somerset Police; emails from D/C Andy Smith and D/I Weller confirming closure of case C/R 36/55070/20 on grounds of insufficient evidence; a letter from liquidator David Wood of McTear Williams
WHY IT MATTERS:
This section substantially strengthens the case by demonstrating a consistent and
multi-institutional pattern of obstruction — spanning Lloyds Bank, two Norfolk Police investigations, the FCA, the NCA, and a Government minister — and by linking Roger Giles’s individual case to a documented national pattern of Lloyds Bank fraud confirmed in parliamentary debate, corroborated by named fellow victims and a former Police and Crime Commissioner.
004 Narrative Dossier Pages 151–200 – Evidence Files 14–19 (Roger Giles,
compiled 2024)
null Report
This document covers pages 151–200 of Roger Giles’s compiled narrative dossier,
spanning Evidence Files 14 through 19. It contains file notes about Michael
Hanna authored by Emma Baldwin and Gary Evison, conversation notes between
Roger Giles and Michael Hanna, and a substantial collection of communications
between Roger Giles and Norfolk Police regarding alleged fraudulent activity
connected to Giles Landscapes and Michael Hanna. File 19 was formally presented
to Norfolk Police in support of Giles’s case against Hanna and Lloyds Bank, and
includes a letter to Detective Constable Carl Ritchie dated 15 May 2018.
WHAT THIS SHOWS:
Pages 151–200 contain file notes about Michael Hanna by named individuals Emma Baldwin and Gary Evison, Roger Giles and Michael Hanna conversation notes, a letter to D/C Carl Ritchie dated 15 May 2018, an index for Evidence File 19, and Giles’s statement that File19 was presented in its entirety to Norfolk Police as part of his case against Hanna and Lloyds Bank.
WHY IT MATTERS:
The existence of third-party file notes by Emma Baldwin and Gary Evison, combined with the formally indexed and Police-submitted File 19, indicates that Giles’s allegations were supported by multiple independent witnesses and were substantive enough to be presented as a structured evidence package
005 Narrative Dossier Pages 201–250 – Evidence Files 19 (cont’d), 20 and 21
(Roger Giles, compiled 2024)
null Other
This document covers pages 201 to 250 of Roger Giles’s formally indexed
narrative dossier, spanning the continuation of Evidence File 19, all of
Evidence File 20 (Roger Giles’s file notes dated 30 November 2013 regarding
Michael Hanna), and Evidence File 21 (including Roger Giles’s reply to Lloyds’
Mr Pardo’s letter of 9 July, his letter to Mr Coad of Undebt dated 24 July
2015, and his emailed letter to D/I Cant dated 23 September 2015). The pages
confirm that Roger Giles was actively documenting his concerns in real time
across 2013 and 2015, directing correspondence to the bank, a debt management
intermediary, and a police detective inspector. The sequential continuation
markers (‘Cont’d/…’) indicate this is part of a larger structured evidentiary
record compiled by Giles and submitted formally.
WHAT THIS SHOWS:
Pages 201–250 of the dossier contain continuations of Evidence File 19, the complete
Evidence File 20 comprising Roger Giles’s notes dated 30 November 2013 regarding Michael Hanna, and Evidence File 21 comprising Roger Giles’s reply to Lloyds’ Mr Pardo’s letter of 9 July, his letter to Mr Coad of Undebt dated 24 July 2015, and his emailed letter to Detective Inspector Cant dated 23 September 2015.
WHY IT MATTERS:
These pages establish that Roger Giles was documenting his concerns about Michael Hanna in writing as early as 30 November 2013 — just three days after his formal meeting with Lloyds manager Steve Clarke — and continued escalating his concerns to the bank, a debt intermediary, and a named police detective inspector through 2015, which directly supports his account that he raised the alarm promptly and repeatedly while the bank and authorities failed to act.
006 Narrative Dossier Pages 251–300 – Evidence Files 22 (cont’d), 23, 24, 25
and 26 (Roger Giles, compiled 2024)
null Other
This document covers pages 251 to 300 of Roger Giles’s compiled narrative
dossier, spanning Evidence Files 22 through 26. It contains continued portions
of an email chain between Luke Cockerton and Roger Giles dated 1 November 2013;
an email exchange between Michael Hanna and Adrian Sage from February 2014; a
letter from Roger Giles to Chief Superintendent Davison dated 27 May 2015; a
letter from Roger Giles to a Mrs Booker – HMRC dated 28 July 2015; Roger Giles’s
letter to P/C Chandler; account information requested by Roger Giles on 2
November 2015; an email dialogue between Roger Giles and Robert Venn; and two
further evidence files (25 and 26) whose detailed contents are not specified
beyond page references in this index.
WHAT THIS SHOWS:
Pages 251 to 300 of the dossier reference, by label and page number only, continued
segments of correspondence and account records involving Luke Cockerton, of DCA business recovery. Roger Giles, Michael Hanna, Adrian Sage, Chief Superintendent Davison, Mrs Booker, P/C Chandler, and Robert Venn, spanning November 2013 to November 2015, along with account information and two additional evidence files numbered 25 and 26.
WHY IT MATTERS:
The breadth of named correspondents — including a police Chief Superintendent, a Police Constable, and multiple bank and business contacts — across a two-year span suggests Roger Giles was actively and persistently escalating his concerns through both banking and law enforcement channels, which may support his account of systematic obstruction and non-response by institutions.
007 Narrative Dossier Pages 301–347 – Evidence Files 27–31 and Supporting
Narrative (Roger Giles, compiled 2024)
null Other
This section of Roger Giles’s compiled dossier covers Evidence Files 27 through
31, spanning pages 301 to 347. It includes a June 2014 email from Paul Fuggle
to Roger Giles, documentation of a used vehicle order for a blue BMW purchased
by Michael Hanna, an email exchange between Roger Giles and Lynn Stephens dated
19 June 2015 concerning cash flow difficulties linked to an overdue £60,000
payment from a recycling centre project in Ely, an email from Loretta Largey to
Roger Giles detailing alleged activities of Paul Fuggle and Christine Robinson
within Giles Landscapes, and a detailed record of a meeting between Roger Giles
and Norfolk Police on 14 April 2016. The narrative on pages 346–347 further
alleges that d/c Ritchie failed to follow through on a promise to contact Tim
Trood of Lloyds Bank to obtain copies of disputed cheques, and that Lloyds Bank
subsequently confirmed — through a cheque copy obtained by Giles via a civil
route — that payment was made on a cheque not from his account but bearing his
account number, contradicting a statement made by Trood to Giles’s MP.
WHAT THIS SHOWS:
The dossier pages 301–347 directly record: a June 2014 email from Paul Fuggle to Roger Giles; a used vehicle order for a blue BMW linked to Michael Hanna; a June 2015 email exchange between Roger Giles and Lynn Stephens referencing a £60,000 overdue payment from a recycling centre project in Ely; an email from Loretta Largey to Roger Giles describing alleged conduct by Paul Fuggle and Christine Robinson; minutes of a 14 April 2016 meeting between Roger Giles and Norfolk Police officers PC Ritchie and Sergeant Jessop; a narrative allegation that PC Ritchie did not contact Tim Trood of Lloyds Bank as promised; and a claim that a cheque copy later obtained by Giles through civil proceedings showed Lloyds paid out on a cheque bearing his account number but not drawn on his account.
WHY IT MATTERS:
These pages are significant because they document, through contemporaneous records and named witnesses, a pattern in which key investigative steps — particularly police liaison with Lloyds Bank to obtain disputed cheque copies — were obstructed or not followed through, and in which an independently obtained cheque copy appears to contradict a formal statement made by a Lloyds Bank representative to a Member of Parliament.
008 File Note – Internal Narrative Detailing Hanna’s Alleged Fraud, Lloyds
Bank Response, and Collapse of Management Support Other This file note sets out Roger Giles’s account of how Michael Hanna, appointed Financial Director in mid-2012, allegedly opened an unauthorised secondary Lloyds Bank account in mid-2013 under the trading name ‘Creative View’@giles without Giles’s or his bank manager Steve Clark’s knowledge, and used it to launder money through Giles Landscapes and at least one other business, Hambro Roofing.It further records that when Giles raised concerns with Lloyds on 27 November 2013, the bank replaced his relationship manager, introduced a Business Support Unit manager who threatened to reduce his lending, and subsequently allowed Hanna or Hanna’s son to open a further account approximately eleven days after Giles’s formal complaint. The note also records the hiring of Christine Robinson in January 2014, her initial productive work building an evidence folder, her apparent breakdown around 14 March 2014, and the introduction of consultant Paul Fuggle — who was known to Robinson — at the encouragement of Lloyds BSU manager Kevin Harris.
WHAT THIS SHOWS:
The document directly states that a secondary Lloyds Bank account was opened in mid-2013 under ‘Creative View @ Giles’ without Giles’s or Steve Clark’s knowledge; that Lloyds allowed a further Creative View Anglia account to be opened on 5 December 2013, approximately eleven days after Giles formally raised concerns on 27 November 2013; that BSU manager Gaynor Pope threatened to reduce Giles’s lending before being removed from his account; that Christine Robinson was hired from Hays Financial Recruitment on 3 January 2014; and that BSU manager Kevin Harris encouraged Giles to employ consultant Paul Fuggle, who was known to Robinson.
WHY IT MATTERS:
This file note is significant because it places a direct and documented sequence of events linking Giles’s formal fraud complaint to Lloyds with the bank’s apparent operational responses — replacing managers, permitting a further suspicious account to be opened days after the complaint, and introducing personnel whose subsequent conduct Giles and witnesses allege was harmful — suggesting the bank’s actions may have compounded rather than addressed the alleged fraud.
009 File Note – Roger Giles Encouraged to Hire Paul Fuggle with Lloyds Bank’s
Blessing
Other
This file note records that Roger Giles was encouraged to hire Paul Fuggle, and
that this appointment was made with the explicit endorsement of Lloyds Bank.
The note connects Lloyds Bank directly to a personnel decision within Giles
Landscapes Ltd. The circumstances and timing of this encouragement raise
questions about the bank’s role in the internal management structure of Giles’s
business.
WHAT THIS SHOWS:
The file note states that Roger Giles was encouraged to hire Paul Fuggle, and that this
hiring was made with the blessing of Lloyds Bank.
WHY IT MATTERS:
This matters because it suggests Lloyds Bank may have had a direct or indirect influence over who held positions within Giles Landscapes Ltd, which — if true — could indicate the bank was managing or steering the business beyond its role as a lender, a potential conflict of interest that is directly relevant to claims of institutional overreach and obstruction.
010 File Note – Formal Concerns Raised with Lloyds Bank on 27 November 2013
and Subsequent Bank Response
27 Nov 2013 Other
This file note records that Roger Giles formally raised concerns about
suspicious activity on a secondary company bank account with Lloyds Bank
Manager Steve Clarke in King’s Lynn on 27 November 2013. Following that
meeting, Lloyds Bank replaced Giles’s long-standing manager, introduced a
Business Support Unit that threatened to reduce his lending, and permitted a
further Creative View Anglia account to continue operating. The note also
references a formal file note created three days later, on 30 November 2013,
regarding Michael Hanna.
WHAT THIS SHOWS:
The document records that on 27 November 2013 Roger Giles met Lloyds Bank Manager Steve Clarke to formally raise concerns about a secondary account, and that in the days following that meeting Lloyds Bank replaced his existing manager, introduced a Business Support Unit threatening reduced lending, and allowed a further Creative View Anglia account to operate.
WHY IT MATTERS:
This document establishes a direct and documented sequence — formal fraud concerns raised, followed immediately by adverse bank actions against the complainant — which is central to the allegation that Lloyds Bank penalised Giles for reporting suspected fraud rather than investigating it.
011 File Note – Specific Details of Alleged Nefarious Activities by Paul
Fuggle and Christine Robinson
null Other
This file note, compiled by Roger Giles, sets out his account of alleged
coordinated misconduct by Paul Fuggle and Christine Robinson, directed at
destabilising and ultimately destroying Giles Landscapes Ltd. It references
Fuggle’s role as Business Development Manager at Undebt (the insolvency
practitioner appointed to wind up Giles Landscapes), his alleged manipulation
of SAGE accounting records and invoice dates, his recommendation that the
regular accountants Streets Whitmarsh and Stirling be excluded from the
administration process, and Robinson’s alleged involvement with Clear Focus
Consulting. It is supported by corroborating statements from accounts assistant
Loretta Largey (née Bradbury), IT consultant Bob Frusher, and John Froggatt
(partner of former financial controller Paula Hainey), and references a police
investigation under DC Carl Ritchie in which promised interviews of key
witnesses were never conducted.
WHAT THIS SHOWS:
The document states: (1) Paul Fuggle held the role of Business Development Manager at Undebt, the firm he recommended to liquidate Giles Landscapes; (2) Fuggle recommended excluding regular accountants Streets Whitmarsh and Stirling from the administration; (3)Loretta Largey provided written confirmation that SAGE records were fully up to date, contradicting Undebt’s claim that SAGE was in a mess; (4) Loretta noted that Fuggle altered dates on works completed before the administration, and that resulting reducing Giles Landscapes’ book debt; (5) IT consultant Bob Frusher confirmed in email correspondence that the IT upgrade and switch from SAGE to Xero were unnecessary and financially beneficial to Fuggle personally; (6) DC
Carl Ritchie noted he would interview Loretta Largey, Paul Fuggle, and others, but this did not occur; (7) Christine Robinson appeared with Fuggle in Clear Focus Consulting imagery described as a satisfied customer, and Loretta Largey reported that Robinson and Fuggle were working together on the Clear Focus project.
[for full details r e Fuggle /Robinson scroll down on my bragging page]
WHY IT MATTERS:
This document, taken together with corroborating witness accounts and email evidence, supports the central allegation that Fuggle operated in a position of serious conflict of interest — recommending, and then working for, the insolvency practitioner appointed to wind up Giles Landscapes — and that this conflict, combined with manipulation of accounts data and exclusion of independent accountants, may have materially reduced the book debt recovered for Giles Landscapes and accelerated its collapse.
GENERAL PUBLIC
[WHY AM I PUTING THIS FRAUD STUFF ON A WEB PAGE] BECAUSE ITS THE ONLY WAY TO SHOW GENUINE JOE PUBLIC WHAT IS BEING COVERED UP.
US BANKING FRAURD VIICTIMS LIKE THE POST MASTERS VERY STRONGLY NEED PUBLIC SUPPORT
AS BANKING FRAURD VICTIM & WHISTLIKE BLOWER THE FACT THAT TELLING THE TRUTH IS OFTEN COUNTER INTUATIVE ON THIS POINT MANY OF MY VICTIM COLLEAUGES AGREE {AN EXAMPLE] THE CHIEF SUPERINTENDANT OF THE NORFOLK POLICE WHEN I PROVIDED EVIDENCE THAT MONIES WERE STOLEN OUT OF MY LLOYDS BANK A/C BEFORE
THE CHEQUE NUMBER WAS ISSUED TO ME PLUS I PROVIDED SOUND EVIDENSE OF MONIES LAUNDERING THROUGH A LLOYDS BANK A/C THE SUPERINTENDENT REFUSED TO INVESTIGATE SAYING IT WAS JUST BAD BANKING PRACTICE NOT CRIMINAL ACTIVITY [ SEE EVIDENCE FURTHER DOWN THE PAGE]
I AM PUTTING EVIDENCE IN THE PUBLIC DOMAIN TO MAKE THE GENERAL PUBLIC AWARE THAT THERE IS NO JUSTICE FOR GENUINE S.M.E’S WHEN RBS GRG OR LLOYDS BSU DEPARTMENTS DECIDE TO DESTROY THEM FOR THERE ASSETS
THE CORRUPTION IS SO RIFE & DEEP ROUTEDTHAT GOVERMENT DEPARTMENTS POLICE & WHATCHDOGS DO NOTHING BUT SIT BACK AND TURN A BLIND EYE TO ILLEGAL DESTRUCTION OF FAMILY BUSINES WHICH OFTEN HITS LOCAL EMPLOYMENT IN RURAL AREARS THIS BANKING SCANDALL IS FAR BIGGER THAN THE POST OFFICES
[ I FEEL THE FACT JOHN MCDONALL RECENTY MADE A SPEECH IN PARLIMENT SPEELING OUT THE DETAILS OF THESE WHITE COLLAR CRIMES AGAINST US IN A WAY THAT THE GENERAL PUBLIC CAN UNDERSTAND IS A PLUS FOR THE LABOUR PARTY ALSO IT HAS BEEN ENCOURAGING THAT EX POST MASTERS HAVE JOINED US IN WESTMINSTER DEBATING ROOMS HAS GIVEN US A LIFT
I HAVE MET MANY BRAVE POLICE OFFICERS I RESPECT BUT ITS DIFICULT FOR ME TO UNDERSTAND BOTH SUP THAKER &D I WELLER OF THE NORFOLK POLICE HAVE DESCRIBED THE EVIDENCE BELOW AS NOT CRIMINAL JUST BAD BANKING PRACTICE
YET THE F.C.A HAVE SEEN IT AND STATED THE POLICE SHOULD DEAL WITH IT AS IT IS CRIMINAL
All this information listed below in connection with money laundering and cheques could have been printed out by Lloyds Bank within a few days of me flagging my concerns 8 months before my business collapsed about activities happening within my bank accounts. This cheque to Miss M S Kennedy that was paid out of my bank account when the cheque number in question had not yet been issued to my company. i also hold a letter from Horto Osorio man Troodd to Liz Truss stating that all Mr Giles cheques were paid out of the bank in the correct format which is blatantly untrue.
I
se evidence \just below video
i see this as money laundering through an account under the umbrella of my company that initially for a short while un be known to me monies were coming in that should have gone to the tax payer from a failing company into this secondary account and exiting my accounts and my business in various manors. in one case through a group of solicitors Goody Burrett. Also within 11 Days when i flagged to Lloyds my concern into this secondary account the main perpetrator setup another account Creative View (Anglia). Which he /they used to launder the second victim after my self’s money through (see his account details below). When i wasn’t getting much joy from the Norfolk Police on these matters i was served with a Freedom of Speech violations also a professional standards violation so i joined Trevor Mealham and we somewhat gate crashed FCA Andrew Bailey see the video below of me putting my case towards Andrew Bailey.
What i am trying to explain is that vital evidence such as monies being paid out with my details being super imposed on other peoples cheques previous to them actual numbers being issued on my account. This not appearing to be on the Police computer which is clearly having a massive detrimental effect of the chances of the various parties being held to account. Lloyds however are getting a free pass to make statements all Mr Giles cheques were paid out on the correct mandate and deny all involvement from there end.
Just to give the public an understanding this kind of bank fraud is rife. Major fraud GRG Victim, Mr Paul Clarke, had considerable television exposure on how his business was ruined by the RBS GRG Department. The link of this TV interview is listed and notes below that will be attached on the similar experience Mr Clarke had with GRG, which was a carbon copy with Lloyds BSU. Click Here to skip to this paragraph
When several Post Office victims joined us – a group of banking fraud victims – at Westminster in Debating Room 14 last year, we held detailed discussions about the striking similarities in our experiences. In particular, we discussed how regulatory and law-enforcement bodies — including the Financial Conduct Authority, the National Crime Agency, and in my own case Norfolk Police — appeared to have failed to act impartially, instead seemingly protecting Lloyds Bank from scrutiny. Despite repeated attempts to raise this banking scandal through debates in the House of Commons, the issue has consistently been deflected, delayed, or quietly sidelined, with no meaningful investigation or accountability forthcoming. Drawing on their own hard-won experience, the Post Office victims explained that official channels alone rarely deliver justice when powerful institutions are involved. They advised that what ultimately forced action in their case was sustained public exposure through a compelling documentary and short film, which brought national attention, public outrage and, ultimately, shame upon the establishment, making continued inaction impossible.
On 27th November 2013, I alerted my bankers — with whom I had maintained a professional relationship for over 30 years — that I required urgent assistance concerning possible illegal activities occurring within a secondary business account, allegedly perpetrated by my Financial Director.
Rather than offering the support and guidance I expected, Lloyds Bank instead appeared to turn against me. I was effectively targeted by their Business Support Unit (BSU), which operated in a manner that felt more punitive than protective — as though I had been “thrown under a tank”, manned by their own internal forces.
Despite this pressure, I continued to fight to protect my business and reputation. In response, Lloyds seemed to escalate matters further, involving various questionable individuals and disingenuous associates who appeared determined to undermine me completely.
During this ordeal, I experienced what felt like intimidation and obstruction from Norfolk Police, who — from my perspective — did not act in accordance with the law or demonstrate impartiality. Feeling cornered, I sought help elsewhere.
In my search for justice, I joined Trevor Mealham and the Action4Justice demonstration held at the Financial Conduct Authority (FCA) headquarters in Stratford. I effectively threw myself on the mercy of the FCA, the government body responsible for maintaining fairness and integrity within the financial system.
At that time, the FCA was headed by Andrew Bailey (who is now the Governor of the Bank of England). However, rather than receiving genuine assistance, I was referred to the Business Banking Resolution Service (BBRS) — an organization I later discovered had close connections to Lloyds Bank. This left me feeling as though I had been placed before “a pack of hyenas,” rather than a fair and independent tribunal.
Compounding matters, I became aware that the National Crime Agency (NCA) appeared to be suppressing evidence related to money laundering. Meanwhile, a small number of Members of Parliament — including Liz Truss, William Wragg, and a few others — took an interest in my case and made efforts to advocate on my behalf.
Unfortunately, their attempts were met with resistance from within their own party and from figures such as Tom Tugendhat, who appeared to block these efforts. It became increasingly clear to me that powerful interests — the so-called ‘1%’ — were using their influence within both political and financial institutions to silence or marginalize individuals like myself, who sought accountability and justice.
Both Liz Truss (soon afterwards, briefly, Prime Minister) and William Wragg faced criticism from within their party for trying to help expose these issues, suggesting a troubling culture of suppression and loyalty to entrenched interests rather than to justice or transparency.
Click here to view attachments sent in this email.
Superintendent Thacker of the Norfolk Police set a precedent, after seeing evidence of money laundering and cheques being paid out of my account before the bank had issued the numbers to me. Superintendent Thacker has stated by email that this is bad banking practice, not criminal activity. Therefore, the IPCC, IOPC and OPCC have obviously just played follow the leader.
Email Received – 7th February 2022.
Monday 7th February 2022
Re: Litigations against Lloyds Bank et al
Dear Mr Giles
I am Detective Inspector Richard Weller, I am the officer in charge of the Criminal Investigation Department for West Norfolk. I was made aware of your request for us to investigate the conduct of Lloyds Bank Plc and others in relation to their business dealings with you and your company. I am also aware of the fraud that pre-dates this that caused the original financial difficulties of your business (36/55070/20) linked to Hanna.
(My views on the above paragraph) – D. I. Weller should have added that if Lloyds Bank’s Business Support Unit (BSU) had not “put the shutters up” against Mr. Giles on 27 November 2013, when he formally raised his concerns, the outcome could have been very different.
At that time, Mr. Giles had reported serious issues — including suspected money laundering, criminal misconduct, and other nefarious activities — but rather than investigating these matters, Lloyds allegedly moved to suppress his complaints and isolate him from any further communication.
This deliberate obstruction occurred eight months before his well-established and strongly branded business ultimately collapsed. Had Lloyds acted transparently and responsibly instead of concealing wrongdoing, Mr. Giles’s business would almost certainly have survived.
By late November 2013, Mr. Giles had successfully restored most of his company’s sabotaged operational processes, and there was a real opportunity for recovery. However, the main source of ongoing sabotage at that point came directly from Lloyds itself, whose actions effectively crippled his efforts to stabilize the company.
At the time Mr. Giles sought assistance from Lloyds Bank, he had not yet terminated the employment of his Financial Director, as he was still hoping that Lloyds could collaborate with him to uncover and address the fraudulent activities being carried out. Mr. Giles believed that, by working together, they could identify and apprehend the individual responsible for these nefarious acts. However, it has since become apparent that Lloyds Bank had little interest in exposing the situation, as doing so would have reflected poorly on the bank for allowing such illegal activities to occur under its watch.
Mr. Giles further asserts that this reluctance from Lloyds was influenced by the intense scrutiny the bank was already facing from Anthony Stansfeld and his investigative team, who were actively pursuing the truth about the HBOS fraud and associated misconduct. Given this pressure, it seems evident that Lloyds wished to avoid any additional publicity that might connect the institution to further financial impropriety, including money laundering and other illicit activities.
The CPS reason for dropping the above case as it had clashed with COVID and courts would not be reconvening for sometime the main perpetrator would have been dead there was no point in continuing with the case. But in point of fact the main perpetrator who was the beneficiary of much stolen monies from Mr Giles and another victim in Essex was pruned out of my case by the Norfolk Police suggesting it would have been to complicated to have kept him in the frame. But Mr Giles points out if the main perpetrator son would have been included the CPS would have not terminated the case as he was still alive.
I am aware that you provided boxes of material to the PCC’s office in relation to the Lloyds Plc dispute which did contain a small amount of material relevant to the Hanna fraud.
Explanation from the above paragraph.
(Items sent back to me from this box mentioned – just look at the photostat I am attaching.) Also, see the USB memory stick that was sent back to me. This stick appears to be have wiped clean and the disc that I sent in the jiffy bag has not been returned. On that disc there was file 12-31. Each file held 5 – 10 pieces of scanned-in evidence. A layman would expect this stick had been copied into the Police computer. On the memory stick there was also similar material as listed in file 19, and had numeral files about money laundering activates about me and another company linked to my financial director. This showed that not only was a secondary account used under the umbrella of my company for the use of money laundering, but a third account was used to drain money from a different company that was a Lloyds Banking customer in Essex. I also sent file 19 directly to Superintendent Kathryn Thacker. See some evidence from that file below the jiffy bag.
This letter was sent on behalf of Horto Osaria, by his man Mr Trood, to the RH Liz Truss. You will see this statement is not true when you look at the above evidence. This cheque went out of my account even before the specific cheque book had been issued to me. Also, see notes from the Lloyds Helpdesk Advisor in Ely, Cambs, who was looking into this matter for me.
Evidence of Bank Fraud
Please see attached evidence of bank fraud in connection with these assessors that were bought in by Lloyds. My account was debited £6,000 for the privilege of this. Also, it contains evidence of unsalubrious consultants that appear to be, shall we say, double agent.
See below video posted on Channel 4. GRG is a carbon copy of the disingenuous Lloyds BSU Department
Three Police Computer anomalies.
1) The Welney Parish Council case police computer appears to have the lost majority of financial evidence.
2) The Police computer lost evidence of my £400K case in connection with my former financial director, with the undercurrent of my Lloyds allegations on the way to the CPS. This was the final nail in the coffin of my case, which the police had assured me was a very sound case.
3) Roles Building, 2024 – Lloyds Vs Trevor Mealham – the court/police computer had all Lloyds’ bundle of evidence on it but, somehow, had lost Trevor’s evidence.
The conclusion to the above anomalies is that when all the evidence has been lost, there is a similar connection – there was a malfunctioning computer. This was the case in the recent Horizon scandal. Or is the loss due to human intervention with physical redacting of evidence?
It it most important to look into the abbreviations page which can be found HERE. Some of the terminologies, such as ‘gas lighting’ and ‘DARVO’, I was not strongly aware of until going on protest and mixing with numerous others who were in the same boat. I then realised that Lloyds bank played these cards, as well as continual disruption cards.
Information for the police, to show ample scanned-in evidences, but at all twists and turns I seemed to be blocked. Please note, as the website gets further constructed, there will be a similar situation shown with the local fraud case.
Figure 1 –
I made it clear to Superintendent Thacker that I had visited my bank on 27th November 2013, very concerned about possible criminal actions to a number 2 account that was under the umbrella of my company. As MD and owner, I could be held accountable for illegal actions connected with my company. The bank, instead of investigating the situation for me, bought in BSU who appeared continually to want to cover up these criminal activities.
Recipients of the following page
Figure 2 –
This email was also sent to the same recipients of the above.
Detective Carl Ritchie is asking me the question about a cheque that went out of my account before the cheque book was issued. Lloyds could not redact a copy of this cheque because they knew I had already obtained a copy. Carl asked me the question, what did I know about this cheque? I knew very little because Lloyds were very economical with the truth on these matters. If the police had been more proactive they would have interviewed Lloyds Personnel to hear their side of the story. You see in the below images, I did get limited information from the helpdesk in Ely, but I was stopped by the senior manager – Mrs Buxton – from getting anymore information from the helpdesk. (Horto Osario insinuated, in a letter to my MP, that all the cheques that had been paid out of the Number 1 account of Giles Landscapes, had been paid out on the correct format.
Figure 3.
Police shy away from banks (re: D/I Weller and DC/Sup Thacker)
See my notes to Carl Ritchie DC (regarding my first Police case) trying to get the police to interview bank personnel. They must be under orders not to. The evidence for my first and second police cases were virtually the same. My second case, I was lead to believe, was to ascertain who the beneficiaries of illegal monies were. In point of fact, on my second case (DC Andy Smith), Lloyds’ Laura Batha was interviewed, but the fact that police had lost the evidence she had provided meant that it was pointless.
1
See regarding copied notes from my email to Superintendent Thacker, when I realised the fact that it seemed very likely there was money laundering going on under the umbrella of my company. I, as the MD and sole owner, would be held accountable. I fully thought that Lloyds would put in their risk team and, if it was laundering, the police would arrest me. Also, see my communication with Norfolk’s Chief Constable stating that PCC Giles Orpen-Smellie sent me back to him. In turn, one of his juniors dealt with results where I was served with a professional standards vexatious violation, plus, to further rub salt in my wound, sent me advice on how to fill in a Lloyds complaint form – very similar to Andrew Bailey F C A sending me to the BBRS, strongly manned by Lloyds personnel.
Also see this winding up order, dated 28 July 2013 – H&M (Trading) Ltd trading as Creative View, just before Creative View@Giles was opened
See the Creative View (East Anglia) Ltd started up 11 days after I went to see my Lloyds Bank Manager about Giles@Creative View suspect account
In 2018 then Detective Superintendent Kathryn Thacker (now T/Detective Chief Superintendent) wrote to you explaining that Norfolk Constabulary was not going to investigate this matter. You challenged this again with the Independent Office for Police Conduct (ref 2019/126291) and your complaint was not upheld.
T/D/C Supt Thacker explained to you that if was Norfolk Constabulary’s opinion that your complaint regarding Lloyds Bank Plc et al did not amount to criminal behaviour and instead was likely to be a civil/regulatory matter to be dealt with by the Financial Conduct Authority or as a Civil Legal matter.
From the material you have provided we see nothing further that would change this stance from the Constabulary. Norfolk Constabulary will not be investigating this matter. I am also aware that the original fraud linked to Hanna (36/5507/20) has now been concluded.
Yes, my original case was abandoned. The police computer lost the evidences being sent through to CPS, similar to Lloyds against Trevor Mealham’s trial at the Rowls Building last year. The computer appeared to hold on to Lloyds evidence but had dumped Trevor’s evidence. Perhaps these computers are workings on Horizon software.
I do understand the frustration you must feel about this and I am sorry you have not had the outcome you had wished for. My suggestion would be for you to seek independent legal advice to see if there are any Civil remedies available to you. Please make contact with T/DC Andrew Smith who will arrange for you to collect the material you have provided to us.
Yours sincerely,
Richard
Richard Weller
Detective Inspector – CID West
N.B Andrew Bailey, when he was CEO of FCA, has seen all this evidence and his reaction I probably would call, now, less than satisfactory. Please see this video of me talking to Andrew Bailey who is now the governor of the Bank of England. CLICK HERE on YouTube (6:08) you can see me talking to Andrew regarding this whole matter
More information that the police computer should have had on it, that DI Weller seemed unaware of – I would like to be quite clear that the letter instigated by Horto Osario of Lloyds Bank states Mr Giles cheques were paid out of Mr Giles’ business account on the correct mandate and Mr Giles problem was caused by himself, not having regulatory processes to monitor what was going on financially in his company. In point of fact, Mr Giles went to his bank manager of 10 years on 27th November 2013, flagging up his severe concerns about financial anomalies, especially in the secondary account. This was 8 months before his company went down. You see the evidence I have been provided – if that had been given to me around the 27th November 2013, I could have stopped the criminals in their tracks. You can see the hand writing of my ex financial director on the top right hand side of exhibit 1. It is very similar to a cheque that went out of my account, that I have shown a copy of as being written even before the cheque numbers were issued to my company.
The below information mentions Jonathan Miles, who is a known Lloyds Criminal. See in WRAG/Hansard Debate 2018, where he is nefariously posing as a Lloyds Bank manager.
This batch of files is from 12-31. Each file, holding many scans of evidence, was sent on a disc to the Child Protection Office, where my case was being run from. They were on a disc in a jiffy bag (that can be seen further back in this document). It says DI Weller apparently has not seen this evidence or it is not scanned into the police computer. Alternatively, the police computer has lost it. It is just a general story again – important evidence continually gets lost, especially when it is in connection with Lloyds Bank.
The image to the left is a screenshot of material that was submitted to the police on a disc. This evidence appears to differ significantly from Detective Inspector Weller’s statement, in which he claimed there were only “a few bits of evidence in a box.” The disc, together with File 19, contained detailed information outlining indicators of money laundering and evidence of the same fraudulent activities being carried out against another victim through a separate Lloyds account titled Creative View.
It is therefore deeply concerning that Superintendent Thacker, despite being presented with clear evidence of these unlawful activities, chose to classify the matter not as criminal but merely as “bad banking practice.” This decision, particularly given her senior position (now Chief Superintendent), appears to have set a precedent that directly contributed to my case being closed. The handling and classification of this evidence warrant urgent review, as they suggest serious procedural and evaluative failures within the investigation.
See File 23, exposing Lloyds’ lies that Mr Giles’ cheques were paid out on correct mandate (below). My experience is of all this evidence, which I have provided to the Norfolk Police, being downgraded to bad banking practice, not criminal activity or, alternatively, completely ignored. This file 23, which you have seen some excerpts from below, has 12 other documents, mainly connected to the nefarious activities of Lloyds Bank.
My Continuing Quest for Justice which is on Par with many other victims.
Generally this is to show that, in my opinion, anybody who attempts to gain fair play and justice from the banking industry and any other financial banking institutions in the UK comes up against a brick wall, where people appear to have unlimited monies. In the case of the banks, they were bailed out by the tax payers of this country. It seems to have given them licence to use the money and the status they have gained from the tax payers to steal asset’s off SMEs and entrepreneurs, who should be the backbone of financial resurgence in the UK.
Below can be found my email correspondence between me and the Norfolk Police. Click below to view.
It seems that Norfolk Police and Crime Commissioner Lorne Green had a similar attitude to Mrs Sue Mountstevens of Avon & Somerset Police and Crime Commissioner. Similar to my situation, documents in the case below, in connection with Mr Shabir, appear to have gone missing. I think it will be self-explanatory. In my case, the majority of documentation I gave to the police seemed to disappear or be disregarded.
See details that appear to show that, even after PCC Anthony Stansfeld flagged up these discrepancies, no investigation seems to have taken place.
Please see details that PCC Anthony Stansfeld is flagging up the cost of this banking crime to the UK, and devastation it causes to SMEs and, in some cases, larger businesses.
My cry for help to PCC Norfolk – Lorne Green. It seemed to become rather confusing and I did not feel sure that Lorne Green had seen the documentation I had sent.
See me trying to get clarification whether the documentation I had sent had been put in front of Lorne Green.
It seems that I have been served a notice for abusing the system.
Impact on the Local Community
These photos are supplied by kind permission of Peter Cox.
Peter Cox’s Lorry. His business is normally delivering literature to government departments but on this occasion he lent it to Giles Landscapes, to help us to transport doors loaded with plants, get the Chelsea Flower Show exhibit sorted.
Steve Kerr local carpenter- he assisted us to build an Essex Wildlife Trust building, with a sedum green roof. The building/office made of cedar wood was to be added into the garden
(Above) This is the side of the Cedar wood cabin which was used as the Essex Wildlife Trust office. (Below) The Rooterium/Driftwood archway which leads into an orchard behind. Note the ground has been prepared to take the wildlife meadow, that we would peel off the transportation doors and put into situ without any setbacks.
Organisation and business sparked/supported each other and the community. See photos above of Peter Cox who took over our transporting arrangements regarding the Essex Wildlife Trust Lush Garden at the Chelsea Flower Show. Being Ex-Military Peter could organise the operation with perfect timing. He would leave the Lamb & Flag Car Park dead on 4:30am, which guaranteed him being the first one in the Thames gate of the Chelsea Pensioners’ Garden. As a result, we would then have first pick of Chelsea’s unloading forklift gear to unload. Our Wildflowers Meadow was loaded onto his lorry, on the sliding the doors it was grown on, onto Dutch trollies, as can be seen in the pictures of Peter’s curtain-sider. This method gave us instant Wild Flowers meadows – clearly the best in show. In the second picture, please see the Cedar Wood Essex Wildlife Trust Visitor Centre building that was part of garden, which Steve Kerr, our village carpenter, built and assembled. Another asset in the village was local business Loveday Engineers, that fashioned any steel fabrication that was needed. There was also an advantage of Sir Peter Scott’s WWT for consulting on environmental advice. Together, we were a great team in business and social commitment. For instance, Peter Cox plus Loveday Engineers and the interpretation manager Debbie MacKenzie WWT, and Steve Kerr (whose band was called Against the grain and played at the village gala) all worked together on our village gala event. Also, my company sponsored the Fen Skating Club. Even the local ‘Fen Ben’ mystery character came out of hiding to compere the Gala. Together, we sponsored and ran the Welney Gala in 2004, raising £4K for Village Funds. This team, and local comradery, fell out of bed when Loveday’s two original businesses and mine capitulated in connection with Lloyds BSU destruction. I am just trying to portray that when genuine businesses with high social commitment fail, there are often repercussions on the community. For instance, Loveday Engineers underpinned the Cricket team for 15 years, my business did the same – I was Chair for the Fen Skating. Also, Loveday engineers and my own business, being the main businesses, were strong instigators of local money-raising events. When we fell out of bed all this deteriorated, plus this fenland community had the lost the advantage of my business promoting sport and free NVQ apprenticeships in-house for local people. There is a slight light on the horizon. My original business was bought out of administration in 2014 & run by CMS, located in St Ives, but the business has now fully moved back to our village of Welney again, employing some 30 staff. Also, John Loveday has started up again as DEM Sports selling cricket cages all over the world, so local employment is picking up again. A new village housing development appearing is bringing village numbers up, changing it back from a retirement type village to a thriving balanced community. The down side is that the Village School, Post Office/convenience store and sporting facilities have gone. Even the Isle Horticultural College in Wisbech has now closed down [this was a god send to late developers from the village and a big boost to my business’s quality operatives] but new blood moving in is working with locals, promoting change and improvement. We again have a thriving church and pub. The resilient Fen community is now showing signs of reinventing itself.
Jonathan Miles, according to the Hansard Report 2018, mascaraed as a Lloyds Bank Manger to the disadvantage of a Mr Shabir, who was a Lloyds Customer. Also, Miles was heavily connected with Alder King. Similar to my ex-consultant, described below, he was sitting in two camps.
I have compelling reasons to believe that this individual operates on both sides of the fence, presenting himself as trustworthy while covertly advancing conflicting interests. Although he outwardly masquerades as a legitimate business consultant, there are strong indications that this role is merely a façade. In reality, he appears to be positioning himself to exploit his clients, ultimately sacrificing their interests for personal gain further down the line.
Moreover, his professional associations are deeply troubling. He maintains relationships with unsavoury and unethical individuals who have a demonstrated willingness to take advantage of others. These connections raise serious questions about his integrity and the true nature of his business practices, suggesting a pattern of conduct rooted in manipulation rather than genuine consultancy.
The images below show this consultant, that originally worked for me, with the woman who has put a statement number on image no. 2 below, scamming people into a consultancy business. You can also see he is a business development manager for my liquidators. The image which details an email from the police shows the police pulled back on the investigation into Lloyds which could also shown that this man could have been possibly connected with Lloyds Bank.
