David Brotherston

Lloyds Banking Group PLC
F.A.O. Lord Blackwell
25 Gresham Street

Recorded Delivery

Dear Lord Blackwell
Recently I read an article on the Noel Edmonds fraud by corrupt staff, just like those you condone, still employed at Black Horse Finance and Customer Services, who stole from me and still refuse to return what they stole despite having been caught, and Ruled they do by the Financial Authorities and Courts!

The article goes on to say Mr. Edmonds asked to meet the CEO but his requests go unanswered just like my letters to you! It then being stated that Lloyds Compensation scheme is “on track”, does that mean you have a date to remediate me as you were ruled by both your Regulator and the Supreme Court to do, over two years ago now? It stated the bank is ready to make compensation offers from a £100 million pot! This dispute is not open to derisory offers, this would be completely unacceptable as you owe me today over £55.5 million. With Mr. Edmonds owed £73 million, this means the bank’s pot is short some £28.5 million for anyone else stolen from. Therefore we will proceed with attaching Lloyds Properties to ensure there is sufficient surplus to go around all those cheated and stolen from, just as we were!

Then the bank’s spokesman lied that their first concern is to their customers who considered taking their own lives? Yet another pack of lies from Lloyds! In my case I was pulled off the Forth Bridge in October 2014 before the FCA then ruled for us in June 2015. Black Horse having stolen our house making us all homeless and destroying our family because of Black Horses illegal “standard practice”. The only action Lloyds took in my case was to continue defying the Regulator and Supreme Court, refusing to return what you stole nor remediate the Ruled Damages, interest, consequential losses, destroyed family etc. Still leaving me homeless and seriously ill with the stress your lies and refusal to act honourably nor as ruled, caused me to be and my ex-wife who works for Lloyds even suffered a nervous breakdown!

Lloyds stated in April that payments would begin in May, but on 11 May at the AGM you lied straight to my face promising you would settle this dispute, with us now being halfway through September, some 5 months on, guess what? More lies from you! Having received a further letter of defiance from your discredited Customer Services, stating the FOS ruled for you! This, before your lies to them came back to bite you and the truth came out, about the illegal “standard practice” and resultant Crime committed! The FOS cannot rule for you as you pled Guilty to the FCA, what you denied and lied about to the FOS! The Supreme Court Ruled in March 2015, Contemptuously, the next month you defy this Ruling in Court!

So, you now have no excuses not to return what is Ruled by the Supreme Court and FCA, you owe for the destruction of our lives over the last ten years, and theft of our house, so I expect instant remediation!
Yours sincerely

David Brotherston
Encl. Losses/Invoice September 2017

Cc. Deidre Brock MP. Clive Lewis MP. Police Scotland Economic Crime Unit, the FCA, the FOS, APPG Fair Business Banking, Treasury Select Committee, James Salmon, Financial Editor Daily Mail, Editorial Office Daily Telegraph, the HBOS Reading Victims Group.

Black Horse’s mis-sold PPI consequential losses September 2017/invoice
Capital Losses as at 1/09/2017: caused by criminal actions, to which a guilty plea was entered with the FCA 4 June 2015
Black Horse paid to, and included compounded interest at 10.5% per annum £115,841.76
Kensington £61933.78 paid to clear + £58750.00 paid to from Aug. 2007, loan balance £123,683.78
House forced sale price £330,000.00
Title Transfer fee for transfer to joint names in 2007 insisted upon by B/H £1,020.00
Connor Malcolm fees related to pressured sale of Property £6,429.00
Fees Scottish Civil Legal Assistance fees for Court + Thorley Stephenson fee £2,396.00
Watches 2 Rolex’s stolen by a house viewer, declined on home insurance £23,850.00
Various personal items previously itemised plus removal and storage of workshop equipment and tools £16,401.00
Sundries stationery, ink, stamps, phone calls, consultations, bus fares, etc. £10,000.00
Lost Salary fighting B/H full time for justice, 115 months @ £5,000.00 P.C.M. £575,000.00
Business £150,000 invested in half share worth £700,000.00 £700,000.00
Sub Total £1,904,621.54
Damages Supreme Court Revision (2011) £640k pa.+ £500k X 3 + 19.2% inflation.
applies due to ignoring FCA, & RBS V Carlyle, & Eric Daniels testimony in theft of house £9,480372.85
Sub Total £11,384,994.39
Interest B/H same set rate of 10.5% p.a. compounded from Aug 2007/121 months £21,284,476.16
Apology Counsel says for a Bank that committed a premeditated Criminal Act, at least £10,000,000.00
Sub Total £42,669,470.55
Plus 30% Lloyds 30% FCA early settle disc. Added as surcharge for late settlement* £12,800,841.16

Total £55,470,311.72

• * Unless FCA reverse the 30% early plea/settlement disc. of £50 million, FCA advise surcharge is valid

+ £20,000.00 per day interest and costs just as was charged by Black Horse to their criminal act, paid into Sort Code 87-70-27 Account Number 74571260 in name of D. C. Brotherston. FCA confirm this is fair given your plea and criminal actions, as do APPG Fair Business Banking Enquiry. Also, this matter will be heavily publicised in Media and Tabloid press, who have offered substantial remuneration for full story and evidence, once finally settled by the Criminal Bank.

David Brotherston

Dear Lord Blackwell

Having factually countered every single one of your Ms. Briggs at Customer Services objections for remediating me, as ruled you must do for the crimes your staff carried out against my family and I, you now have no more excuses left not to return our monies stolen, nor the Supreme Court Damages set for the ten years of our lives your theft and denials have taken away from our lives. Now your staff have admitted exhausting all of their denials and lies, thus I still await our own money that was stolen returned plus of course the awarded damages, the interest at 10.5% compounded on what you stole, and 30% surcharged for Lloyds FCA early settlement discount refused, etc.

Not to mention your personal Apology which has never ever been forthcoming for the Crime that Black Horse Finance carried out. Further I look forward to meeting you again when I accompany the Bailiffs and accompanying Press to seize what you owe following the APPG Fair Business Banking Tribunal.

Yours sincerely

David Brotherston

Carolyn Shires

The reason they won’t discuss closure, is because Lloyds themselves have huge acts of misconduct/criminality in their own recoveries division
Carolyn Shires

Amir Ahmad

Hi Noel

I would like to thank you for helping the victims in their quest to achieving justice and regaining some normality to their depleted lives.

Like yourself my companies and I were subjected to fraud by Mark Dobson and HBOS.

My family and I were subsequently hounded for nine years under a PG agreement with HBOS.

Despite Lloyds knowing about the fraud they continued to demand millions of pounds from me and my family under the PG.

Like yourself I am in the process of claiming millions of pounds of losses.

Like yourself we have all suffered mentally and physically with relationships being destroyed.

Thank you once again for everything you are doing and please continue to keep this matter in the public domain until these thieves return all monies due to the many businesses that have been robbed!

Amir Ahmad

Joan Keeley

Unfortunately this behaviour isn’t limited to the ‘big’ banks. I doubt there is one bank or building society that didn’t treat customers in this way. Kent Reliance Building Society was ruthless in what it did to me but the fight goes on……..

Joan Keeley (Facebook)

Graham Stuart

No honesty no justice and how do they sleep at night

Graham Stewart (Facebook)

Trisha Chapman

Lairs they all knew exactly what they was doing Lloyd’s the worst bank ever ,rude unhelpful ,run by uncaring kids never ever bank with them again

Trisha Chapman (Facebook)

Joanne Dove

I can only liken my experience of dealing with HBOS appointed executives to how I would imagine dealing with the Mafia would be. It was financial rape. I lost everything, my reputation, all our money, all our pension schemes. My children lost their father in their lives and the idyllic childhood they previously had. Our family was devastated… They robbed me of my life’s work

Joanne Dove

Martin Wools

On Friday morning of May 26 at 8 AM Alex Kingston broadcast a few details about the fraud story involving Lloyds bank conspiring with Alder King to bring down businesses in order to call in loans and presumably to avoid having money out on low rates. Alex was urging viewers to tune in to the evening programme for full details.

As I and my business have been drastically affected by the same disgusting behaviour I duly tuned in only to find that the story had mysteriously seemed to have been dropped?

The next day I telephoned the BBC and asked to be put through to Points West to find out what happened to this story? I ended up speaking to a chap who said that he was not on that particular shift but he did remember it being broadcast and would look into it, go through the running order and come back to me. A short while later he rang me to say that there had been a meeting the day of the broadcast of BBC managers at which it was decided to not run the story until after the election.

I found this very odd to say the least. Why would the BBC do this? What on earth had this to do with the election in any case?

Martin Woolls.

Noel Morris

Just a line from another Noel!

I too was a victim of HBOS Reading’s Lyndon Scourfield and Quayside Corporate Services. Cost me £10 million as well as my marriage. Whilst both my ex-wife and I have moved on and are happy with new partners she concedes that had it not been for HBOS we’d still be married.

We have made a claim in the farce that is called “Project Windsor”.

I too suffered depression and indeed the odd suicidal thought.

I am proud of you Noel taking such a public stance against HBOS/Lloyds. That takes real guts.

It is very likely we may be in touch again after June 30, but for now, thanks again.

Noel Morris


Hi, I’m the bloke who nearly bumped into you outside the washroom at Gresham Street! You were talking to a lady and I probably had my mouth open because we don’t get a lot of TV stars in our building. I was going to ask for a selfie for my mum whose loved you for years but it didn’t look like the right time.

I didn’t know why you would be visiting until I went back to the office and people said youre suing Lloyds. When I googled you and found the victim’s website (is it you or other people?) I understood why you were visiting. Like a lot of us I really don’t understand what it’s all about because HBOS was before our time.

I think I speak for quite a few of us we’d like the whole thing to be over because it makes us out to be crooks to. It would be great if we could improve our image because I don’t tell many people I’m a banker!

Mum would love the photo. If I send an address would you send one.


ps at least I’m not an estate agent!

Hi Matt,

I’ve changed your name just to be on the safe side. Apparently some Lloyds people are getting into trouble for speaking out on this issue.

Correction- I am not ‘suing’I am merely trying to have what was stolen from me returned with a suitable level of compensation. I agree it’s not your fault but it is a Lloyds responsibility.

I would be delighted to send mum a photograph and a personal message, just give me the details.

Best wishes Noel.

David Brotherston

These people are crooks who do not care whom they destroy, they lie, cheat and steal. I nearly took my own life. They even lied to my MP.

We intend to re-livery the car with-“ Don’t trust Blackhorse Finance”-they lie, cheat and steal.

David Brotherston

Dafydd Morgan

I brought the conduct of Halifax to the attention of senior management in 1999/2000 and I have the documents to prove it. They have gone out of their way to distance themselves ever since and consequently my home was stolen and business ruined. Dyfed Powys police have been made aware of all matters ongoing and continue to evade their responsibility to the public at large.

Dafydd Morgan

Joan Keeley

Thousands of us have been turned over by Lloyds and other banks since the financial crisis. We haven’t only lost our businesses but in some cases our homes and there have been many mental breakdowns and suicides due to the misconduct of banks.

It’s been reported that Noel felt humiliated and that’s what the banks do to you and when on top of the humiliation you are left homeless and penniless it is devastating.

Joan Keeley

Michael Simpson

Mr Edmonds, you have never been my cup of tea, probably something to do with that awful Blobby fellow and your inane game involving red boxes but I’m contacting you because you have my utter approval.

It takes courage to stand up to these people and it takes energy to resist them wearing you down with their false smiles and expressions of sympathy when behind the mask they are evil personified.

I lost my business when without reason or warning they withdrew a very modest banking facility. I rebuilt my life only for them to do it a second time and this occasion I lost not only the business, but my home and my wonderful partner who could take the stress no more.

Be careful Mr Edmonds you are making powerful enemies and they will do anything they can to discredit to you personally. All in the name of bonuses and shareholder value.

More power to your elbow dear chap. I if you win, thousands win and that would be a personal legacy much greater than your TV work.

Yours sincerely

Michael Simpson

Lloyds Employee

By all means put my comment on your website but please I beg of you do not identify me because I simply cannot afford to be made redundant at this difficult time.

I have worked for Lloyds for five years during this time I have become increasingly uncomfortable about the management orders. I’m not allowed the freedom to treat people with respect. The customers are just numbers and the system says their money becomes our money. I doubt that they will pay you a penny in compensation but I wish you luck anyway. If you and other people who suffered did succeed it would make me feel a little happier about the work I have to do.

God bless you Noel.

(A current Lloyds employee)

Pete Dury

Noel, I found your radio stations because I’ve been haunted with insomnia and positively sleepy has just about cured the problem and I also like tranquil. Then last week I found your own radio station and I’m fascinated to hear about this banking scandal. There’s been a bit in our newspapers but I didn’t really follow it until you explained that you are a victim of a crime.

Good luck getting any money out of your bank as I had a major run in with the Royal Bank of Canada and they passed me from one department to another and in the end shrugged their shoulders and said “we didn’t wreck your business you did, if you don’t agree see you in court.”

So it seems bankers are bankers wherever you are in the world. But good luck with the radio I love it and I’ll continue to spread the word.

Pete Dury
S Ontario


Griggs is an absolute fraud. If he wants he can sue me for saying it because he needs to be exposed. He swans around as if he is a big cheese in Scotland but actually his cupboard is packed with skeletons. Get one of your media buddies to dig around and you will find more shit than that black horse will ever produce.

Giffnock, Glasgow.


Hi, just found you and I need to make one thing clear. There’s lots of us in Lloyds who can’t stand the management in their ivory tower. When the slimy Portuguese made thousands redundant he didn’t have the decency to handle it personally. He just got his henchmen to deal with it. And last year when he was exposed for nobbing some bird on a foreign trip his apology was greeted with contempt by many of us. We’ve given him the nickname Nosorio because behind that smile is a very insincere nasty man. If he really is off to another bank we say good riddance and get on with it.

(current Lloyds employee)


Greetings Noel or whoever at positivity radio checks the emails. I love your radio station attacking Lloyds bank. When you’re finished have a go Bank of America please. Tell whoever is choosing the music they’ve got a great sense of humour. I’m loving it, I’m tweeting about it, and telling everyone I can about this British guy with attitude who’s got the best radio stations of ever heard. Do you fancy helping us to get rid of Trump?



I’m delighted to see that Prof Griggs has been ‘exposed’ in today’s Times. In my experience he is a very devious individual. He has a Capt Mainwaring ego and a very overinflated sense of his own importance.

I have had a couple of very unpleasant business experiences with the professor which I will be happy to share with you if you would like to respond by phone or email.

(address & number given)


Michael Rennie

Having been turned over by different bankers in different banks on so many occasions during my 30 year business career I was delighted to hear last week that 4 senior Barclays executives have been arrested and charged and will be brought to justice.

These are the first prosecutions associated with the great banking crash but surely there will be more?

I see today (June 26th) that the Thames Valley Police Commissioner has evidence that both the chief executive and the chairman of Lloyds Bank were well aware of the HBOS crime at the time they took over the bank. Hopefully their names will be added to a growing list of banking executives who enjoy a spell of incarceration at Her Majesty’s pleasure.

Justice for the millions who have suffered austerity because of these unscrupulous bankers can never arrive too soon. Keep up your good work.

Kindest regards,

Michael Rennie

Just a few of the 1000’s of Lloyds victims – oops sorry – customers