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Tilly Hollard Debby Giglio TheBlackWiseGuy Dafydd Morgan anthony Trevor Mealham Bank Whistleblower🥇 SME Alliance Fraud2016 stephen middleton Mark Anthony Taylor Juliette Mottram heenan gray Yvonne dave glynn Patrick Moore David Farndon Bankie Bernie Loynes- OHare jeff lampert Mr Ethical Clive May NEIL MITCHELL Kevin Peters Joel Benjamin MB Peter Crowley Alisa Moglin diyLAW.co Mike McNulty 🏴󠁧󠁢󠁳󠁣󠁴󠁿🇪🇺🇺🇦✊ Bankers Bane TeamJayMerchant InTheKnow BankConfidential HM Treasury Dentons The Royal Courts of Justice Queens bench Judges failed to apply the law to clear evidence of fraud. A major bank acted outside the scope of its authority and was never held to account. The regulators and Treasury failed to investigate a forged instrument And most critically —

Tilly Hollard Debby Giglio TheBlackWiseGuy Dafydd Morgan anthony Trevor Mealham Bank Whistleblower🥇 SME Alliance Fraud2016 stephen middleton Mark Anthony Taylor Juliette Mottram heenan gray Yvonne dave glynn Patrick Moore David Farndon Bankie Bernie Loynes- OHare jeff lampert Mr Ethical Clive May NEIL MITCHELL Kevin Peters Joel Benjamin MB Peter Crowley Alisa Moglin diyLAW.co Mike McNulty 🏴󠁧󠁢󠁳󠁣󠁴󠁿🇪🇺🇺🇦✊ Bankers Bane TeamJayMerchant InTheKnow BankConfidential HM Treasury Dentons 4. Ongoing Fraud – Why It Matters Legally Because the fraud was never remedied, and the bank continues to benefit from it (by withholding my funds and denying wrongdoing), it is not time-barred, and may still be considered active criminal conduct. This enables: •Criminal

Tilly Hollard Debby Giglio TheBlackWiseGuy Dafydd Morgan anthony Trevor Mealham Bank Whistleblower🥇 SME Alliance Fraud2016 stephen middleton Mark Anthony Taylor Juliette Mottram heenan gray Yvonne dave glynn Patrick Moore David Farndon Bankie Bernie Loynes- OHare jeff lampert Mr Ethical Clive May NEIL MITCHELL Kevin Peters Joel Benjamin MB Peter Crowley Alisa Moglin diyLAW.co Mike McNulty 🏴󠁧󠁢󠁳󠁣󠁴󠁿🇪🇺🇺🇦✊ Bankers Bane TeamJayMerchant InTheKnow BankConfidential HM Treasury Dentons As Stuart GW said in relation to the Post Office scandal, ‘It is not power that corrupts but fear. Fear of losing power corrupts those who wield it.’ My case — involving the unauthorised debit of £25,000 by NatWest Bank and NatWest Banks knowingly undeniable false and fraudulent

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Tilly Hollard Debby Giglio TheBlackWiseGuy Dafydd Morgan anthony Trevor Mealham Bank Whistleblower🥇 SME Alliance Fraud2016 stephen middleton Mark Anthony Taylor Juliette Mottram heenan gray Yvonne dave glynn Patrick Moore David Farndon Bankie Bernie Loynes- OHare jeff lampert Mr Ethical Clive May NEIL MITCHELL Kevin Peters Joel Benjamin MB Peter Crowley Alisa Moglin diyLAW.co Mike McNulty 🏴󠁧󠁢󠁳󠁣󠁴󠁿🇪🇺🇺🇦✊ Bankers Bane TeamJayMerchant InTheKnow BankConfidential HM Treasury Dentons I am not aware of any published case worldwide where a major commercial bank issued a bank draft solely for the purpose of committing fraud against its own customer. The fraudulent creation and internal use of Bank Draft No. 05977380 by NatWest Bank, without valid customer

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Tilly Hollard Debby Giglio TheBlackWiseGuy Dafydd Morgan anthony Trevor Mealham Bank Whistleblower🥇 SME Alliance Fraud2016 stephen middleton Mark Anthony Taylor Juliette Mottram heenan gray Yvonne dave glynn Patrick Moore David Farndon Bankie Bernie Loynes- OHare jeff lampert Mr Ethical Clive May NEIL MITCHELL Kevin Peters Joel Benjamin MB Peter Crowley Alisa Moglin diyLAW.co Mike McNulty 🏴󠁧󠁢󠁳󠁣󠁴󠁿🇪🇺🇺🇦✊ Bankers Bane TeamJayMerchant InTheKnow BankConfidential HM Treasury Dentons Theft by a Bank Constitutes Fundamental Breach of Fitness and Propriety Under the Financial Services and Markets Act 2000 (FSMA) and PRA Fundamental Rules, every bank authorised in the UK must meet ongoing standards of: •Integrity •Honesty •Competence •Soundness of

Tilly Hollard Debby Giglio TheBlackWiseGuy Dafydd Morgan anthony Trevor Mealham Bank Whistleblower🥇 SME Alliance Fraud2016 stephen middleton Mark Anthony Taylor Juliette Mottram heenan gray Yvonne dave glynn Patrick Moore David Farndon Bankie Bernie Loynes- OHare jeff lampert Mr Ethical Clive May NEIL MITCHELL Kevin Peters Joel Benjamin MB Peter Crowley Alisa Moglin diyLAW.co Mike McNulty 🏴󠁧󠁢󠁳󠁣󠁴󠁿🇪🇺🇺🇦✊ Bankers Bane TeamJayMerchant InTheKnow BankConfidential HM Treasury Dentons . Regulatory Law: Breach of Ongoing Fitness Each day the bank refuses to credit my account — knowing the transaction was unauthorised and supported by a false instrument — is a fresh breach of PRA Fundamental Rules, And a daily act of dishonesty, which under the Economic Crime

Tilly Hollard Debby Giglio TheBlackWiseGuy Dafydd Morgan anthony Trevor Mealham Bank Whistleblower🥇 SME Alliance Fraud2016 stephen middleton Mark Anthony Taylor Juliette Mottram heenan gray Yvonne dave glynn Patrick Moore David Farndon Bankie Bernie Loynes- OHare jeff lampert Mr Ethical Clive May NEIL MITCHELL Kevin Peters Joel Benjamin MB Peter Crowley Alisa Moglin diyLAW.co Mike McNulty 🏴󠁧󠁢󠁳󠁣󠁴󠁿🇪🇺🇺🇦✊ Bankers Bane TeamJayMerchant InTheKnow BankConfidential HM Treasury Dentons The elephant in the room is this: If NatWest Bank had a valid mandate, there was no triable issue. And if it didn’t have a valid mandate—as the evidence irrefutably proves—then NatWest Bank had no defence under the law and I was entitled to a judgment to strike out NatWest Banks

Tilly Hollard Debby Giglio TheBlackWiseGuy Dafydd Morgan anthony Trevor Mealham Bank Whistleblower🥇 SME Alliance Fraud2016 stephen middleton Mark Anthony Taylor Juliette Mottram heenan gray Yvonne dave glynn Patrick Moore David Farndon Bankie Bernie Loynes- OHare jeff lampert Mr Ethical Clive May NEIL MITCHELL Kevin Peters Joel Benjamin MB Peter Crowley Alisa Moglin diyLAW.co Mike McNulty 🏴󠁧󠁢󠁳󠁣󠁴󠁿🇪🇺🇺🇦✊ Bankers Bane TeamJayMerchant InTheKnow BankConfidential HM Treasury Dentons Loss of Banking Licence (National Scope) A bank found guilty of fraud would not retain its banking licence in any branch under UK law. Revocation applies to the whole institution, not a single location. Legal basis: •FSMA 2000, Schedule 6: Fit and Proper Threshold Conditions

Tilly Hollard Debby Giglio TheBlackWiseGuy Dafydd Morgan anthony Trevor Mealham Bank Whistleblower🥇 SME Alliance Fraud2016 stephen middleton Mark Anthony Taylor Juliette Mottram heenan gray Yvonne dave glynn Patrick Moore David Farndon Bankie Bernie Loynes- OHare jeff lampert Mr Ethical Clive May NEIL MITCHELL Kevin Peters Joel Benjamin MB Peter Crowley Alisa Moglin diyLAW.co Mike McNulty 🏴󠁧󠁢󠁳󠁣󠁴󠁿🇪🇺🇺🇦✊ Bankers Bane TeamJayMerchant InTheKnow BankConfidential HM Treasury Dentons I therefore seek punitive damages in the sum of £146 million, representing 1% of NatWest Bank’s global revenue. This figure is proportionate to: - The deliberate nature and duration of the wrongdoing, - The Defendant’s scale and financial capacity, - The systemic consequences of

Tilly Hollard Debby Giglio TheBlackWiseGuy Dafydd Morgan anthony Trevor Mealham Bank Whistleblower🥇 SME Alliance Fraud2016 stephen middleton Mark Anthony Taylor Juliette Mottram heenan gray Yvonne dave glynn Patrick Moore David Farndon Bankie Bernie Loynes- OHare jeff lampert Mr Ethical Clive May NEIL MITCHELL Kevin Peters Joel Benjamin MB Peter Crowley Alisa Moglin diyLAW.co Mike McNulty 🏴󠁧󠁢󠁳󠁣󠁴󠁿🇪🇺🇺🇦✊ Bankers Bane TeamJayMerchant InTheKnow BankConfidential HM Treasury Dentons Will the regulators act? Or has the safety net of British banking already been removed? It can easily be proven that NatWest Group plc has no defence to my claim and continues to act in bad faith to this day. Justice delayed is justice denied. How do I access justice when the

Tilly Hollard Debby Giglio TheBlackWiseGuy Dafydd Morgan anthony Trevor Mealham Bank Whistleblower🥇 SME Alliance Fraud2016 stephen middleton Mark Anthony Taylor Juliette Mottram heenan gray Yvonne dave glynn Patrick Moore David Farndon Bankie Bernie Loynes- OHare jeff lampert Mr Ethical Clive May NEIL MITCHELL Kevin Peters Joel Benjamin MB Peter Crowley Alisa Moglin diyLAW.co Mike McNulty 🏴󠁧󠁢󠁳󠁣󠁴󠁿🇪🇺🇺🇦✊ Bankers Bane TeamJayMerchant InTheKnow BankConfidential HM Treasury Dentons Res Ipsa Locquitor Fraud unravels All Adapted from Hazel-Atlas Glass Co. v. Hartford-Empire Co. (U.S. Supreme Court "Fraud on the court calls into question the legitimacy of the judgment itself. No judgment can be allowed to stand if it was secured through deception,

Tilly Hollard Debby Giglio TheBlackWiseGuy Dafydd Morgan anthony Trevor Mealham Bank Whistleblower🥇 SME Alliance Fraud2016 stephen middleton Mark Anthony Taylor Juliette Mottram heenan gray Yvonne dave glynn Patrick Moore David Farndon Bankie Bernie Loynes- OHare jeff lampert Mr Ethical Clive May NEIL MITCHELL Kevin Peters Joel Benjamin MB Peter Crowley Alisa Moglin diyLAW.co Mike McNulty 🏴󠁧󠁢󠁳󠁣󠁴󠁿🇪🇺🇺🇦✊ Bankers Bane TeamJayMerchant InTheKnow BankConfidential HM Treasury Dentons Case Law: •Three Rivers DC v Bank of England (No 3) [2003] 2 AC 1 – The Court should strike out defences that are legally unsustainable or misleading. •Arrow Nominees Inc v Blackledge [2000] 2 BCLC 167 – Fraudulent or sham defences must not be allowed to obstruct the process of

Tilly Hollard Debby Giglio TheBlackWiseGuy Dafydd Morgan anthony Trevor Mealham Bank Whistleblower🥇 SME Alliance Fraud2016 stephen middleton Mark Anthony Taylor Juliette Mottram heenan gray Yvonne dave glynn Patrick Moore David Farndon Bankie Bernie Loynes- OHare jeff lampert Mr Ethical Clive May NEIL MITCHELL Kevin Peters Joel Benjamin MB Peter Crowley Alisa Moglin diyLAW.co Mike McNulty 🏴󠁧󠁢󠁳󠁣󠁴󠁿🇪🇺🇺🇦✊ Bankers Bane TeamJayMerchant InTheKnow BankConfidential HM Treasury Dentons My claim against NatWest Bank was in the Royal Courts of Justice from 1990 until 2003 when my claim was struck out on the pretext NatWest Bank wouldn’t get a fair trial caused by my delay in setting my case down for trial The delay was caused because of my applications to the