Social Work PGDip; BA Community & Social Care: Policy and Practice. Naturally sarcastic, autistic, ex-care leaver. Music is life. @shanenozza.bsky.social🤘
@UberFacts - Friday.
- Once Upon a Time in America.
- Platoon.
- Full Metal Jacket.
- GoodFellas.
- Reservoir Dogs.
- Pulp Fiction.
- Casino.
- Shawshank Redemption.
- Lock, Stock and Two Smoking Barrels.
- Snatch.
- Trainspotting.
- Saving Private Ryan.
- Life (Eddie Murphy).
- Blue Streak
This is powerful!!
The video strikingly illustrates the game of misinformation that’s being played by Nigel Farage & others. It shows who’s actually benefiting from it.
Absolutely worth watching!
Video sent to me by @nowayjomo
HALF A MILLION PEOPLE WERE DEFRAUDED
Imagine you are behind on your store card payments. You are already struggling. Then the bank quietly adds an extra charge on top of what you owe. Not because it costs them that much. Just because .. they can. And because they think nobody is watching.
Someone was watching.
Nicholas Wilson was a debt recovery lawyer. He goes by Mr Ethical @nw_nicholas on X. His old boss meant it as an insult. In 2003 he noticed that @HSBC subsidiary HFC Bank was adding an illegal 16.4% charge onto the debts of people who were already in financial trouble.
Store cards from John Lewis, Currys, B&Q, Dixons, PC World. Ordinary people. Struggling people. Being quietly robbed.
He told his boss it was illegal. His boss started calling him "Mr Ethical" as a joke. Then they sacked him.
He reported it to the regulators. @TheFCA ignored him for years.
When a researcher separately wrote to both HSBC and the FCA asking about the fraud...
... both wrote back with responses in the exact same wording, same punctuation, same paragraphs. The bank and the regulator were sharing the same script.
FCA's own independent Complaints Commissioner eventually investigated. He called it the worst case of regulatory failure he had ever dealt with.
FCA's response was to appoint Ruth Kelly, an HSBC director, and Baroness Hogg from John Lewis, onto its own board. The two people they were supposed to be investigating were now sitting inside the regulator.
You actually cannot make this up.
After 13 years of Wilson refusing to go away, HSBC quietly agreed to pay some money back. FCA announced 6,700 victims.
Wilson says the real number is closer to 500,000. HSBC has now set aside £223 million for repayments. No fine. No criminal charges. No one went to prison. No one was even publicly named.
Wilson has spent the last 20 years unemployable. Blacklisted. Living on state benefits. Fighting to keep his home. Someone even anonymously reported him to the DWP for benefit fraud while the actual billion pound fraud went unpunished.
The bank that robbed half a million people kept its licence.
The man who caught them lost everything.
Source: @guardian | @BBC | @PrivateEyeNews | @SundayMirror | @realmediauk | nicholaswilson com | @nw_nicholas and others.
I have built a spreadsheet. It has 847 rows. Each row is a community bank in the United States with a market cap below $200 million, a price-to-tangible-book ratio under 0.85, a non-performing loan ratio below 0.4%, and a CEO who has been in the role for at least twelve years. I update it every Sunday from 6 AM to 11 AM while my family attends church without me. I have visited the headquarters of nineteen of these banks in person. I have eaten a complimentary lobby cookie at each one. The cookies are how you can tell. A bank with a good cookie is a bank that respects its depositors. A bank with a stale cookie is a bank that will be acquired within 36 months at a 40% premium. I am never wrong about the cookies. The cookies have never lied to me. The cookies are the only thing left that tells the truth.
Let me say something every Republican needs to hear right now.
Trump does not care if you lose.
He does not care about your career, your district, your donors, or your family.
Trump cares about three things. Money. Attention. Self-aggrandizement.
That’s the complete list.
And the idea that Trump is going to help Republicans win in 2028 is a bunch of malarkey.
You want to know who Trump actually wants as his successor? Gavin Newsom.
The narcissistic nihilistic logic is this: you were nothing before I got here and when I leave, you’ll be nothing again.
That’s the supreme narcissist’s final move.
A Democrat winning in 2028 proves his point perfectly.
Don Jr. has already said they want to be the richest family in the world before they leave the presidency.
God only knows what they’re doing to get there.
So if you’re a Republican still betting your future on this man’s loyalty — understand one thing clearly.
There is no loyalty. There is only the transaction.
And you’re not the one getting paid.