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Why the UKâs car finance scandal is even worse than âPPI on wheelsâ, by ex Lloyds Banking Group trader Paul Carlier (@Carlier_J87)
#Banks #TheFCA #FOS #FourScandals
CAR FINANCE - "Four Candles?". No. "Fork Handles?". No. "Four Scandals". Yes!
(#Fourscandals Episode 1)
The car finance scandal you're likely now aware of is the tip of a very disturbing iceberg and features dishonesty and/or fraud by the lenders, FCA dishonesty, concealment and/or fraud, and an extraordinary dishonesty, failure and betrayal of consumers by the Financial Ombudsman Service (FOS).
I know, because I first reported this to the FCA in February 2016, and with significant evidence and intelligence to prove what I'd discovered whilst pursuing a complaint against Black Horse on behalf of a family member regarding the excessive APR on their car finance agreement.
I enclose here a tiny sample of the evidence I have. An actual table of commissions from an agreement between one FCA authorised lender and a car dealer, that is representative of all of their agreements, and those by most lenders across the industry. A full copy of which I have.
To be very clear here;
The lender would have approved EVERY car finance application at the lowest 5.9% APR had the car dealer chosen to apply that APR to the agreement.
And you can see the HUGE difference in dealer commissions, and the HUGE difference in interest costs to the customer, if the dealer chose to put the lowest APR in this table on the car finance agreement as they could have.
I had made the complaint to Black Horse, and then escalated to the FOS in 2016, that the car finance agreement had not been sold, and their APR not applied, 'subject to status' as determined by her credit score, but had instead been sold and the APR applied:
"On a whatever they could get away with basis by the lender and the car dealer, and to generate greater revenue and commissions for both".
Black Horse lied in their complaint response.
The media has been awash since January 11th 2024 with stories and features about the FCA's announcement regarding car finance, most of which compare this to PPI and estimate that there are ÂŁ10billion in potential damages.
https://t.co/O58u4R8G1m
However, what none are reporting is the true scale of this disturbing story. Indeed, Martin Lewis on his show on 6th February actually had Sheldon Mills of the FCA as a guest and was portraying the FCA as 'heroes' here for having initiated this action in January 2024.
Nothing could be further from the truth!
In fact 'the truth' demands a full public enquiry in to the conduct of the FCA and FOS in respect to car finance.
And in recent weeks the FLA (Finance and Leasing Association), the trade body for these car finance lenders, particularly Adrian Dally, have made representations in the media that are entirely misleading and/or false. I will deal with this in a follow up 'episode'.
The FCA is in 'damage limitation' mode following the public backlash to the "Mr Bates vs the Post Office" drama, and after the FOS was eventually forced on 10th January 2024 to uphold a complaint specific to this incentivised commission scam, as a result of a law firm pleading the complaint. It was one thing for the FOS to lie and deny to thousands of consumers who complained. Clearly a different prospect when faced with a law firm.
The FCA has now rather been forced to initiate this latest action not out of a desire to establish truth and fact, but to rather conceal its own Post Office style 'cover up' of the truth and fact in 2019 and since.
Four scandals in one:
SCANDAL 1. Yes, there is the scandal that is the enormous mis-selling that has cost consumers in excess of ÂŁ10billion, but there is also the matter of the false representations made by Black Horse and other lenders during an FCA regulated complaints process, all of which is being concealed or ignored.
SCANDAL 2. HOWEVER, there is also the scandal that the FCA dishonestly limited their final notice on car finance published in March 2019 with intent to protect the firms and deprive victims of billions of pounds of redress, and also to deprive them of sufficient evidence with which to bring a successful claim or complaint.
To be very clear, there is nothing that the FCA knew as of the date of its January 2024 announcement, or will discover via this newly announced action, that it did not know in 2016 from my reports and evidence, and certainly did not know as of March 2019 when they published that car finance final notice following a two year investigation.
SCANDAL 3. I have the evidence to demonstrate that in 2019 an MOU or other 'understanding' was established between the FCA and the Financial Ombudsman Service (FOS) whereby The FOS were to deny all car finance complaints where there were allegations of mis-selling on the basis of incentivised commission arrangements.
In 2019 I obtained an extraordinary cache of internal FOS documents demonstrating this and other quite astonishing representations, multiple counts of misconduct and/or dishonesty by The FOS, and by multiple of itâs senior managers, and the then FOS CEO Caroline Wayman and subsequently by the then FOS Independent Assessor, Amerdeep Somal (Now Chair of the Law Society!).
This after the FOS in August 2019 had denied a second and separate complaint against Black Horse that I'd escalated to the FOS in 2018.
These internal FOS documents I obtained prove that this second complaint for a different customer against Black Horse that I had escalated to the FOS had actually been upheld by the FOS on 28th February 2019, the day prior to the FCA publishing its Final Notice on car finance following their two year investigation that had commenced in April 2017, and following my various reports and 'smoking gun' evidence presented to the FCA.
However, before the FOS Adjudicator could send this upheld decision to us, several senior managers within the FOS that were part of what they referred to as a 'Stakeholder Group' and that reported directly to then CEO Caroline Wayman, interfered with and pressured the FOS adjudicator and the adjudicatorâs manager to reverse her decision to uphold this complaint, and where one of these senior managers writes to this FOS Stakeholder Group that his intent by way of this interference and manipulation was "to make sure we keep things joined up" with the prior dishonest complaint response from 2016 and with whatever âunderstandingâ appears to have been established between the FCA and the FOS.
SCANDAL 4. I raised these concerns as to the FOS dishonesty and concerns as to the FCAâs limited âfindingsâ directly with Andrew Baileyâs office in August & September 2019 after obtaining the extraordinary cache of FOS internal documents. Toby Hall of Baileyâs office assured me he had sent all of the evidence to the relevant people at the FCA with oversight of this and the FOS. There was no further response or contact from them.
In fact, as far as I can tell, the only FCA action taken following my reports was for the FCA to hire the 'ringleader' of the FOS Stakeholder Group that I had proven to the FCA to have have been guilty of multiple egregious and dishonest acts including engineering of falsified communications for others in the FOS to send to me...........and the FCA hired him in the role of manager in their Executive Communications team.
The FCA appears to have seen his conduct as a qualification!
I have all of the evidence to support each and every allegation above, and over the coming days and weeks will present various 'Episodes' under the handle #Fourscandals exposing each and every disturbing detail.
I will leave the story here for the moment with this extract from my email dated 19th April 2016 where I sent a substantial report to The FOS, and to Jacqueline Renner-Thomas of the FCA who I had spoken to after John Dodd of the FCA whistleblower team had referred me to her and her department, following my initial report to him on 16th February 2016.
My extensive report of 19th April 2016 included the following summary:
"FACT 30 It confirms exactly what I have said:
a) That the dealer unlawfully and unfairly set the APR on this finance agreement and had no right to.
b) That the dealer set this rate absolutely subject to the highest APR that they believed they could get away with so as to generate greater commissions for themselves, and to Mrs xxxxxxâs financial loss
c) THIS APR WAS NEVER SET BY BLACK HORSE as it should have been and as SMC [the car dealer] and Black Horse both claimed it had been
d) This APR was supposed to have been set absolutely subject to Mrs xxxxxx credit score, as confirmed by Black Horse themselves.
IT 100% WAS NOT.
e) MRS xxxxxx SHOULD ABSOLUTELY HAVE RECEIVED A FAR BETTER APR THAN THE OUTRAGEOUS ONE THAT SMC UNLAWFULLY APPLIED BECAUSE HER CREDIT SCORE WAS SO HIGH
And now they have revealed that there were two better finance proposals that were NEVER disclosed to Mrs xxxxx [at the time of the sale, when SMC the dealer told her that the Black Horse agreement with an APR of 14% was the best available]"
This report and my further reports to the FCA that followed contained substantial evidence proving all of the above.
I even 'went undercover' in 2016 to gather evidence. The evidence obtained is of the 'smoking gun' variety. All of which I will publish in the coming days and weeks......
@TransparencyTF @AWhistleblowing @APPGbanking @appgonpbandffs @CommonsTreasury @BBCNews @BBCPanorama @itvMLshow @MartinSLewis @andyverity @Ian_Fraser @ReutersUK @George_Nixon97 @Telegraph @_F_L_A @itvnews @nickwallis @TomWitherow @jameshurley @carolvorders @PrivateEyeNews @RichardMoorhead @markbishopuk @GBNEWS @premnsikka #carfinance #fourscandals #misselling #blackhorse #santander #motonovo #barclays #FCA #Obudsman #FOS #Financialombudsman #coverup #fraud #PostOfficeInquiry #malfeasance #ConsumerProtection #consumers #whitewash #postofficescandal #damages
![Carlier_J87's tweet photo. CAR FINANCE - "Four Candles?". No. "Fork Handles?". No. "Four Scandals". Yes!
(#Fourscandals Episode 1)
The car finance scandal you're likely now aware of is the tip of a very disturbing iceberg and features dishonesty and/or fraud by the lenders, FCA dishonesty, concealment and/or fraud, and an extraordinary dishonesty, failure and betrayal of consumers by the Financial Ombudsman Service (FOS).
I know, because I first reported this to the FCA in February 2016, and with significant evidence and intelligence to prove what I'd discovered whilst pursuing a complaint against Black Horse on behalf of a family member regarding the excessive APR on their car finance agreement.
I enclose here a tiny sample of the evidence I have. An actual table of commissions from an agreement between one FCA authorised lender and a car dealer, that is representative of all of their agreements, and those by most lenders across the industry. A full copy of which I have.
To be very clear here;
The lender would have approved EVERY car finance application at the lowest 5.9% APR had the car dealer chosen to apply that APR to the agreement.
And you can see the HUGE difference in dealer commissions, and the HUGE difference in interest costs to the customer, if the dealer chose to put the lowest APR in this table on the car finance agreement as they could have.
I had made the complaint to Black Horse, and then escalated to the FOS in 2016, that the car finance agreement had not been sold, and their APR not applied, 'subject to status' as determined by her credit score, but had instead been sold and the APR applied:
"On a whatever they could get away with basis by the lender and the car dealer, and to generate greater revenue and commissions for both".
Black Horse lied in their complaint response.
The media has been awash since January 11th 2024 with stories and features about the FCA's announcement regarding car finance, most of which compare this to PPI and estimate that there are ÂŁ10billion in potential damages.
https://t.co/O58u4R8G1m
However, what none are reporting is the true scale of this disturbing story. Indeed, Martin Lewis on his show on 6th February actually had Sheldon Mills of the FCA as a guest and was portraying the FCA as 'heroes' here for having initiated this action in January 2024.
Nothing could be further from the truth!
In fact 'the truth' demands a full public enquiry in to the conduct of the FCA and FOS in respect to car finance.
And in recent weeks the FLA (Finance and Leasing Association), the trade body for these car finance lenders, particularly Adrian Dally, have made representations in the media that are entirely misleading and/or false. I will deal with this in a follow up 'episode'.
The FCA is in 'damage limitation' mode following the public backlash to the "Mr Bates vs the Post Office" drama, and after the FOS was eventually forced on 10th January 2024 to uphold a complaint specific to this incentivised commission scam, as a result of a law firm pleading the complaint. It was one thing for the FOS to lie and deny to thousands of consumers who complained. Clearly a different prospect when faced with a law firm.
The FCA has now rather been forced to initiate this latest action not out of a desire to establish truth and fact, but to rather conceal its own Post Office style 'cover up' of the truth and fact in 2019 and since.
Four scandals in one:
SCANDAL 1. Yes, there is the scandal that is the enormous mis-selling that has cost consumers in excess of ÂŁ10billion, but there is also the matter of the false representations made by Black Horse and other lenders during an FCA regulated complaints process, all of which is being concealed or ignored.
SCANDAL 2. HOWEVER, there is also the scandal that the FCA dishonestly limited their final notice on car finance published in March 2019 with intent to protect the firms and deprive victims of billions of pounds of redress, and also to deprive them of sufficient evidence with which to bring a successful claim or complaint.
To be very clear, there is nothing that the FCA knew as of the date of its January 2024 announcement, or will discover via this newly announced action, that it did not know in 2016 from my reports and evidence, and certainly did not know as of March 2019 when they published that car finance final notice following a two year investigation.
SCANDAL 3. I have the evidence to demonstrate that in 2019 an MOU or other 'understanding' was established between the FCA and the Financial Ombudsman Service (FOS) whereby The FOS were to deny all car finance complaints where there were allegations of mis-selling on the basis of incentivised commission arrangements.
In 2019 I obtained an extraordinary cache of internal FOS documents demonstrating this and other quite astonishing representations, multiple counts of misconduct and/or dishonesty by The FOS, and by multiple of itâs senior managers, and the then FOS CEO Caroline Wayman and subsequently by the then FOS Independent Assessor, Amerdeep Somal (Now Chair of the Law Society!).
This after the FOS in August 2019 had denied a second and separate complaint against Black Horse that I'd escalated to the FOS in 2018.
These internal FOS documents I obtained prove that this second complaint for a different customer against Black Horse that I had escalated to the FOS had actually been upheld by the FOS on 28th February 2019, the day prior to the FCA publishing its Final Notice on car finance following their two year investigation that had commenced in April 2017, and following my various reports and 'smoking gun' evidence presented to the FCA.
However, before the FOS Adjudicator could send this upheld decision to us, several senior managers within the FOS that were part of what they referred to as a 'Stakeholder Group' and that reported directly to then CEO Caroline Wayman, interfered with and pressured the FOS adjudicator and the adjudicatorâs manager to reverse her decision to uphold this complaint, and where one of these senior managers writes to this FOS Stakeholder Group that his intent by way of this interference and manipulation was "to make sure we keep things joined up" with the prior dishonest complaint response from 2016 and with whatever âunderstandingâ appears to have been established between the FCA and the FOS.
SCANDAL 4. I raised these concerns as to the FOS dishonesty and concerns as to the FCAâs limited âfindingsâ directly with Andrew Baileyâs office in August & September 2019 after obtaining the extraordinary cache of FOS internal documents. Toby Hall of Baileyâs office assured me he had sent all of the evidence to the relevant people at the FCA with oversight of this and the FOS. There was no further response or contact from them.
In fact, as far as I can tell, the only FCA action taken following my reports was for the FCA to hire the 'ringleader' of the FOS Stakeholder Group that I had proven to the FCA to have have been guilty of multiple egregious and dishonest acts including engineering of falsified communications for others in the FOS to send to me...........and the FCA hired him in the role of manager in their Executive Communications team.
The FCA appears to have seen his conduct as a qualification!
I have all of the evidence to support each and every allegation above, and over the coming days and weeks will present various 'Episodes' under the handle #Fourscandals exposing each and every disturbing detail.
I will leave the story here for the moment with this extract from my email dated 19th April 2016 where I sent a substantial report to The FOS, and to Jacqueline Renner-Thomas of the FCA who I had spoken to after John Dodd of the FCA whistleblower team had referred me to her and her department, following my initial report to him on 16th February 2016.
My extensive report of 19th April 2016 included the following summary:
"FACT 30 It confirms exactly what I have said:
a) That the dealer unlawfully and unfairly set the APR on this finance agreement and had no right to.
b) That the dealer set this rate absolutely subject to the highest APR that they believed they could get away with so as to generate greater commissions for themselves, and to Mrs xxxxxxâs financial loss
c) THIS APR WAS NEVER SET BY BLACK HORSE as it should have been and as SMC [the car dealer] and Black Horse both claimed it had been
d) This APR was supposed to have been set absolutely subject to Mrs xxxxxx credit score, as confirmed by Black Horse themselves.
IT 100% WAS NOT.
e) MRS xxxxxx SHOULD ABSOLUTELY HAVE RECEIVED A FAR BETTER APR THAN THE OUTRAGEOUS ONE THAT SMC UNLAWFULLY APPLIED BECAUSE HER CREDIT SCORE WAS SO HIGH
And now they have revealed that there were two better finance proposals that were NEVER disclosed to Mrs xxxxx [at the time of the sale, when SMC the dealer told her that the Black Horse agreement with an APR of 14% was the best available]"
This report and my further reports to the FCA that followed contained substantial evidence proving all of the above.
I even 'went undercover' in 2016 to gather evidence. The evidence obtained is of the 'smoking gun' variety. All of which I will publish in the coming days and weeks......
@TransparencyTF @AWhistleblowing @APPGbanking @appgonpbandffs @CommonsTreasury @BBCNews @BBCPanorama @itvMLshow @MartinSLewis @andyverity @Ian_Fraser @ReutersUK @George_Nixon97 @Telegraph @_F_L_A @itvnews @nickwallis @TomWitherow @jameshurley @carolvorders @PrivateEyeNews @RichardMoorhead @markbishopuk @GBNEWS @premnsikka #carfinance #fourscandals #misselling #blackhorse #santander #motonovo #barclays #FCA #Obudsman #FOS #Financialombudsman #coverup #fraud #PostOfficeInquiry #malfeasance #ConsumerProtection #consumers #whitewash #postofficescandal #damages](https://pbs.twimg.com/media/GH_Rt3YWwAAZfP8.png)
CAR FINANCE - "Four Candles?". No. "Fork Handles?". No. "Four Scandals". Yes!
(#Fourscandals Episode 1)
The car finance scandal you're likely now aware of is the tip of a very disturbing iceberg and features dishonesty and/or fraud by the lenders, FCA dishonesty, concealment and/or fraud, and an extraordinary dishonesty, failure and betrayal of consumers by the Financial Ombudsman Service (FOS).
I know, because I first reported this to the FCA in February 2016, and with significant evidence and intelligence to prove what I'd discovered whilst pursuing a complaint against Black Horse on behalf of a family member regarding the excessive APR on their car finance agreement.
I enclose here a tiny sample of the evidence I have. An actual table of commissions from an agreement between one FCA authorised lender and a car dealer, that is representative of all of their agreements, and those by most lenders across the industry. A full copy of which I have.
To be very clear here;
The lender would have approved EVERY car finance application at the lowest 5.9% APR had the car dealer chosen to apply that APR to the agreement.
And you can see the HUGE difference in dealer commissions, and the HUGE difference in interest costs to the customer, if the dealer chose to put the lowest APR in this table on the car finance agreement as they could have.
I had made the complaint to Black Horse, and then escalated to the FOS in 2016, that the car finance agreement had not been sold, and their APR not applied, 'subject to status' as determined by her credit score, but had instead been sold and the APR applied:
"On a whatever they could get away with basis by the lender and the car dealer, and to generate greater revenue and commissions for both".
Black Horse lied in their complaint response.
The media has been awash since January 11th 2024 with stories and features about the FCA's announcement regarding car finance, most of which compare this to PPI and estimate that there are ÂŁ10billion in potential damages.
https://t.co/O58u4R8G1m
However, what none are reporting is the true scale of this disturbing story. Indeed, Martin Lewis on his show on 6th February actually had Sheldon Mills of the FCA as a guest and was portraying the FCA as 'heroes' here for having initiated this action in January 2024.
Nothing could be further from the truth!
In fact 'the truth' demands a full public enquiry in to the conduct of the FCA and FOS in respect to car finance.
And in recent weeks the FLA (Finance and Leasing Association), the trade body for these car finance lenders, particularly Adrian Dally, have made representations in the media that are entirely misleading and/or false. I will deal with this in a follow up 'episode'.
The FCA is in 'damage limitation' mode following the public backlash to the "Mr Bates vs the Post Office" drama, and after the FOS was eventually forced on 10th January 2024 to uphold a complaint specific to this incentivised commission scam, as a result of a law firm pleading the complaint. It was one thing for the FOS to lie and deny to thousands of consumers who complained. Clearly a different prospect when faced with a law firm.
The FCA has now rather been forced to initiate this latest action not out of a desire to establish truth and fact, but to rather conceal its own Post Office style 'cover up' of the truth and fact in 2019 and since.
Four scandals in one:
SCANDAL 1. Yes, there is the scandal that is the enormous mis-selling that has cost consumers in excess of ÂŁ10billion, but there is also the matter of the false representations made by Black Horse and other lenders during an FCA regulated complaints process, all of which is being concealed or ignored.
SCANDAL 2. HOWEVER, there is also the scandal that the FCA dishonestly limited their final notice on car finance published in March 2019 with intent to protect the firms and deprive victims of billions of pounds of redress, and also to deprive them of sufficient evidence with which to bring a successful claim or complaint.
To be very clear, there is nothing that the FCA knew as of the date of its January 2024 announcement, or will discover via this newly announced action, that it did not know in 2016 from my reports and evidence, and certainly did not know as of March 2019 when they published that car finance final notice following a two year investigation.
SCANDAL 3. I have the evidence to demonstrate that in 2019 an MOU or other 'understanding' was established between the FCA and the Financial Ombudsman Service (FOS) whereby The FOS were to deny all car finance complaints where there were allegations of mis-selling on the basis of incentivised commission arrangements.
In 2019 I obtained an extraordinary cache of internal FOS documents demonstrating this and other quite astonishing representations, multiple counts of misconduct and/or dishonesty by The FOS, and by multiple of itâs senior managers, and the then FOS CEO Caroline Wayman and subsequently by the then FOS Independent Assessor, Amerdeep Somal (Now Chair of the Law Society!).
This after the FOS in August 2019 had denied a second and separate complaint against Black Horse that I'd escalated to the FOS in 2018.
These internal FOS documents I obtained prove that this second complaint for a different customer against Black Horse that I had escalated to the FOS had actually been upheld by the FOS on 28th February 2019, the day prior to the FCA publishing its Final Notice on car finance following their two year investigation that had commenced in April 2017, and following my various reports and 'smoking gun' evidence presented to the FCA.
However, before the FOS Adjudicator could send this upheld decision to us, several senior managers within the FOS that were part of what they referred to as a 'Stakeholder Group' and that reported directly to then CEO Caroline Wayman, interfered with and pressured the FOS adjudicator and the adjudicatorâs manager to reverse her decision to uphold this complaint, and where one of these senior managers writes to this FOS Stakeholder Group that his intent by way of this interference and manipulation was "to make sure we keep things joined up" with the prior dishonest complaint response from 2016 and with whatever âunderstandingâ appears to have been established between the FCA and the FOS.
SCANDAL 4. I raised these concerns as to the FOS dishonesty and concerns as to the FCAâs limited âfindingsâ directly with Andrew Baileyâs office in August & September 2019 after obtaining the extraordinary cache of FOS internal documents. Toby Hall of Baileyâs office assured me he had sent all of the evidence to the relevant people at the FCA with oversight of this and the FOS. There was no further response or contact from them.
In fact, as far as I can tell, the only FCA action taken following my reports was for the FCA to hire the 'ringleader' of the FOS Stakeholder Group that I had proven to the FCA to have have been guilty of multiple egregious and dishonest acts including engineering of falsified communications for others in the FOS to send to me...........and the FCA hired him in the role of manager in their Executive Communications team.
The FCA appears to have seen his conduct as a qualification!
I have all of the evidence to support each and every allegation above, and over the coming days and weeks will present various 'Episodes' under the handle #Fourscandals exposing each and every disturbing detail.
I will leave the story here for the moment with this extract from my email dated 19th April 2016 where I sent a substantial report to The FOS, and to Jacqueline Renner-Thomas of the FCA who I had spoken to after John Dodd of the FCA whistleblower team had referred me to her and her department, following my initial report to him on 16th February 2016.
My extensive report of 19th April 2016 included the following summary:
"FACT 30 It confirms exactly what I have said:
a) That the dealer unlawfully and unfairly set the APR on this finance agreement and had no right to.
b) That the dealer set this rate absolutely subject to the highest APR that they believed they could get away with so as to generate greater commissions for themselves, and to Mrs xxxxxxâs financial loss
c) THIS APR WAS NEVER SET BY BLACK HORSE as it should have been and as SMC [the car dealer] and Black Horse both claimed it had been
d) This APR was supposed to have been set absolutely subject to Mrs xxxxxx credit score, as confirmed by Black Horse themselves.
IT 100% WAS NOT.
e) MRS xxxxxx SHOULD ABSOLUTELY HAVE RECEIVED A FAR BETTER APR THAN THE OUTRAGEOUS ONE THAT SMC UNLAWFULLY APPLIED BECAUSE HER CREDIT SCORE WAS SO HIGH
And now they have revealed that there were two better finance proposals that were NEVER disclosed to Mrs xxxxx [at the time of the sale, when SMC the dealer told her that the Black Horse agreement with an APR of 14% was the best available]"
This report and my further reports to the FCA that followed contained substantial evidence proving all of the above.
I even 'went undercover' in 2016 to gather evidence. The evidence obtained is of the 'smoking gun' variety. All of which I will publish in the coming days and weeks......
@TransparencyTF @AWhistleblowing @APPGbanking @appgonpbandffs @CommonsTreasury @BBCNews @BBCPanorama @itvMLshow @MartinSLewis @andyverity @Ian_Fraser @ReutersUK @George_Nixon97 @Telegraph @_F_L_A @itvnews @nickwallis @TomWitherow @jameshurley @carolvorders @PrivateEyeNews @RichardMoorhead @markbishopuk @GBNEWS @premnsikka #carfinance #fourscandals #misselling #blackhorse #santander #motonovo #barclays #FCA #Obudsman #FOS #Financialombudsman #coverup #fraud #PostOfficeInquiry #malfeasance #ConsumerProtection #consumers #whitewash #postofficescandal #damages
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