1. HBOS were aware of the crime by 2007 and covered it up – FSA report.


2. Lloyds must have known about the HBOS crime years before the trial – Thames Valley Police.


3. Lloyds initially denied the crime had occurred and then claimed Lloyds was the real victim – CPS & Police.


4. Until the bankers were jailed earlier this year Lloyds told the victims and the media they had no evidence of the crime.


5. Lloyds promised all victims “fair and swift” compensation by the end of June. They broke that promise.




Antonio Horta Osorio-Chief Executive LBG


Antonio certainly has both the power and the influence to order an immediate end to the victims’ suffering. However, sources inside Lloyds say he has already signed a contract with HSBC to become their next CEO and is therefore ambivalent about the outcome of the Lloyds compensation process. Analysts observe a discredited Lloyds is less of a competitor to HSBC.

Lord Blackwell-Chairman LBG


At the AGM he famously defined the compensation process as being completed ‘within weeks rather than months’. Now being investigated for allegedly influencing the LBG share price. Already demonstrated utter contempt for the victims.

Prof Russel Griggs-Independent Claims Reviewer


Widely condemned as not being ‘independent’ and ill qualified for the role. Griggs is not an accountant, lawyer or victim counsellor. Status and respectability totally shattered by the revelation of a past commercial link to David Mills, now serving 15 years for the crime, and recent confirmation that he’s been a retained consultant to Lloyds.

Juan Colombas- Chief Risk Officer


A low profile, highly motivated profit banker. Some say he’s “the man who actually runs Lloyds” and like AHO regards the victims’ compensation as a small matter given the bigger picture of increasing profits.

Andrew Bester-CEO Commercial Banking


July 5th– Lloyds confirm – He’s off!


Why is Bester, a man tipped by many to replace Horta Osorio, leaving suddenly? Pushed-because the Review has been exposed as a sham? Jumped-because his personal morality is incompatible with the new Lloyds culture?


Does the white horse know the answer?

Chief Executive Antonio Horta Osorio’s reaction to missing the June 30th deadline.
LLoyds wins the award for- Dishonest Bank of the Year.

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Antonio Horta-Osario
Chief Executive

Lloyds is “absolutely determined” victims are “fairly, swiftly and appropriately compensated”

Lloyds Banking
Group Statement:

“We remain on track to begin making the first compensation offers before the end of May and anticipate making all compensation offers by the end of June”

“Lloyds is perfectly placed to restore the image of British banking with actions based upon truth and trust”-Lord Blackwell 2016

“My primary responsibility as Chairman is to restore Lloyds reputation as a reliable and trustworthy bank”-Lord Blackwell 2015

“Lloyds ought to be one of those great British institutions that everyone in the country is proud of for what we do and the way we do it.”-Lord Blackwell 2014

Lord Blackwell

Compensation will be paid quickly-“ by quickly I mean weeks rather than months”

Prof Griggs
Independent Reviewer
Slimy, deceitful,
untrustworthy character

Prof Russel Griggs,

Finally the truth you have been trying to conceal is now in the public domain thanks to Nikki and Paul Turner and The Times newspaper.

The revelation that there is a commercial link between your business interests and David Mills, now serving 15 years in prison for his evil crime, makes your position, as the so-called ‘independent’ reviewer of victims’ claims, absolutely untenable.

Whilst others are carefully avoiding suggesting that you have been involved in any criminal activity I do not hesitate to accuse you of being a man totally without conscience or principle. You are a slime ball and scumbag of the highest order.

You accepted the role of ‘Lloyds Puppet’ simply to line your own pocket. You certainly have no qualifications to perform such an important task- “the fair and swift resolution of victims claims”-  compensating individuals and families who have been devastated by “the worst banking crime in history”.

You are not an accountant. You are not a forensic accountant. You are not a lawyer. You are not a victim counsellor. You are not even a real professor.

You are an utter sham- conducting a total scam.

Prof. Devil Griggs Go!

NOEL EDMONDS- 26th June 2017

The website of a discredited man


What are you hiding Griggs?



Shamed & Erased

Lloyds are placing a huge significance upon the status of Prof Russell Griggs. They promote his  ‘independence’ even though they appointed him and they are paying him so he’s obviously not independent. Lloyds boast that Griggs experience and qualifications make him ideally suited to review all victims claims. Despite the fact that he has no legal or accountancy qualifications! Well at least he is a Professor and that sort of title generally impresses people.

BUT Griggs is not even a professor in the sense that he earned the title through academic achievement. He was actually given it by Glasgow University.

Well Griggsy it’s time for you to show me a bit of respect because I have trumped you!

As you can see from my certificates I am now Prof & Dr Edmonds- huh beat that. And furthermore I wasn’t given these degrees I paid for them out of my own taxed income. I will be adding the cost to my compensation claim.

Prof Dr Noel Edmonds

Prof Russel Griggs
“Independent” Reviewer

Dear Prof Griggs,

You were appointed by Lloyds and you are being paid by Lloyds. In this regard your status as an ‘independent’ reviewer of the victims cases is surely questionable? The fact that a serious crime was committed by the bank and that the devastated victims are all due fair compensation, is not in question. So why are you refusing to meet with victims and to resolve their claims swiftly? Could it be that you are financially motivated to procrastinate?

Russel, since I lodged my own claim with Lloyds I have received a wealth of information from trusted associates in the media, respected business organisations, many of the victims, customers of Lloyds, investors in Lloyds and somewhat tellingly- employees of Lloyds. I’m sure that some of the information I’m receiving must be inaccurate or indeed totally untrue. However, there are certain allegations now being levelled at the chief executive, the chairman, the board of directors and yourself that do appear worthy of further enquiry. In particular claims regarding your personal remuneration package.

3 questions:

1) Is it true that you are being paid £273,000 per annum to oversee the review process?
2) Is it true that you also receive expenses of up to £5,000 per month?
3) Is it true that you have a three-year contract?

No doubt you will argue that your personal remuneration, whatever it is, does not compromise your ‘independence’. But of course it does. Particularly, if its also true you’re on a bonus to keep victims’ payments as low as possible.

Now, as I said at the beginning of this letter this information may be totally untrue in which case we all look forward to learning the actual details of your remuneration package-particularly with regard to the term of your employment. Lloyds Chairman, Lord Blackwell,has promised that all victims will have their claims settled by the end of June, so the term of your employment is highly relevant.If Norman is telling the truth you are presumably out of a job on July 1st?

But if you’re on an extended term or open-ended contract the only conclusion we victims can arrive at, is that Lloyds have no intention of settling ‘swiftly’, and much like the PPI scandal Lloyds has planned for the long haul over many years.

I look forward to receiving your answers and I repeat again, yet again, my request to meet with you to agree the settlement terms of my claim.



Prof Russel Griggs
Family Home

Dear Prof Griggs,

I must say you have a lovely home.You must be very proud of it.

No doubt its been made possible by your own hard work over many years.I imagine you, and your wife Liz, would be pretty upset if criminal actions by trusted professionals forced you to lose everything, including your family home?

But thats exactly what happened to so many honest and industrious people targeted and destroyed by the HBOS criminals.

Do you know how many relationships were wrecked? How many families were broken up? How many of the victims now suffer life threatening ill-health? Do you know how many desperate broken souls took their own lives?

Of course you should know, because you are the “independent” reviewer for the Lloyds Banking Group. But do you care and are you really ‘independent’?

I invite you to prove your independence by removing the inertia of the “review process”,by demanding that Lloyds executives fulfil their promises and by immediately securing fair and appropriate compensation for all the victims.

Russel-is this the home of a puppet or a man of principle?

Kindest regards,