@Carlier_J87 Profile picture

Paul Carlier

@Carlier_J87

Lloyds Bank & UBS Whistleblower. 30 years as a trader for worlds largest banks. Paid the price twice for exposing wrongdoing. Expert help for banking claimants

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Female investment banker who sued Barclays for sex discrimination after her boss kept calling women 'birds'. About bloody time this term got the classification it deserves! I have always found this term degrading and disrespectful, even at it's peak usage back in the 80's. Many…


HOT OFF THE PRESS! LC&F judgement. Guilty as charged! "Mr Thomson, Mr Golding, Mr Careless, Surge, Mr Russell-Murphy, GP and Mr Sedgwick are liable to LCF for knowing participation in the fraudulent conduct of LCF's business" This is huge news for LCF victims and also Blackmore…

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The Finance and Leasing Association (FLA), the trade body representing car finance lenders, working overtime spinning false and/or misleading guff to journalists and consumers alike Adrian Dally, Head of Car Finance at the FLA, the trade body for lenders, has had a busy year.…

The Independent Motor Dealers Association (IMDA), the latest Car/Car finance trade body to talk out of their ass on the car finance scandal. The @IMDA2017 say the recent Court of Appeal ruling could be "massively detrimental" to customers. Total horseshit and the IMDA and…

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The Independent Motor Dealers Association (IMDA), the latest Car/Car finance trade body to talk out of their ass on the car finance scandal. The @IMDA2017 say the recent Court of Appeal ruling could be "massively detrimental" to customers. Total horseshit and the IMDA and…

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BWM Finance claim their likely liability from the car finance mis-selling scandal is just £70m?? Another totally dishonest lowball estimate by another car finance lender. 1. I include a photo which is a summary of the research and analysis I presented to a law firm to accompany…

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BMW's UK financial services arm appears to be the first car loans firm linked to a manufacturer to set aside a possible hit for car finance compensation. Story with @Benjaminwmartin thetimes.com/business-money…



When you get complaint responses from the FCA and SRA, that are months overdue, on the same day that should be unrelated BUT the SRA complaint is about a solicitor whose partner works at the FCA…… will wait until Monday to open and read them. No sense spoiling my Friday as well…


From internal Post Office email disclosed at the Inquiry, dated October 2011: "Fujitsu…..They’ve now engaged with KPMG to complete the review [of Horizon]…." One line and all of a sudden the Post Office scandal and its scale and its longevity makes so much more sense. HBOS…


This is the Black Horse car finance agreement, dated September 2011, that is actually Ground Zero in terms of the exposure of the car finance scandal. (Albeit the FCA, Financial Ombudsman Service (FOS) and lenders desperately concealing the variety and number of the scandals…

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Quite excited to be able to say that in @TimesMoney tomorrow we'll have an exclusive interview with Marcus Johnson, the lead claimant in last Friday's Court of Appeal judgment that has upended the entire car finance industry... thetimes.com/business-money…



Lloyds Bank CEO, Chair and senior Counsel should resign. They dishonestly represented to shareholders and the market what they knew their true exposure to costs from car finance was, and manipulated the stock price as a result. Play the short video of my question and my…

Well done @Carlier_J87 for exposing yet more dodgy dealing in the Finnace Sector 👏👏👏 Lloyds shares slump as analysts warn of £3.9bn motor finance bill cityam.com/lloyds-shares-…



'The Whistleblowing Bill' - The single most important piece of UK legislation for a generation. This week is 'Whistleblower Awareness Week', and national awareness must be turned to 'The Whistleblowing Bill', and that awareness has to extend to understanding why this is the…

Thanks to our secretariat @WB_UK who set out to a packed room of Whistleblowers, business leaders, regulators and Parliamentarians the way that the #WhistleblowingBill will work.

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Hot off the press: FCA fines Volkswagen Financial Services £5.4m for mistreatment of customers in financial difficulty, and VFS agrees to pay over £21.5m in redress. Credit where credit is due [genuinely no pun intended], there is a lot to like about the FCA's action announced…


FFS!. Southgate gone and we have a chance to pick a dynamic manager who will get the most from this array of talent we have….. and we literally pick the only candidate worse than Southgate!?! Tuchel lives off of a reputation that was undeserved when he started out at Dortmund.…


The true Car Finance story - My 10 year battle to secure justice and remedy for victims. (Get some popcorn and sit back and watch the video.) In December 2021 I approached law firm Scott and Scott with the substantial and significant evidence I had obtained during my…


👇👇And Michael's book is actually the tip of a very sordid iceberg in terms of how sophisticated players are gaming the electronic markets. 'Last Look' and 'Speed Bumps' are other tactics deployed by these players, including banks, and entirely for financial gain. Allow me to…

📖 TTF’S BOOK OF THE WEEK: “FLASH BOYS” BY MICHAEL LEWIS📖 If you thought Wall Street was about alpha males standing in trading pits hollering at each other, think again. That world is dead. Now, the world's money is traded by computer code, inside black boxes in heavily…



PFI 2 - The Sequel - 'This time it will be game over' The Labour Super Majority continues to steamroller the UK into oblivion. Were we not promised a 'solution' to successive Labour and Conservative Government's plunging the UK into the abyss, as opposed to a continuation of it?…

Banks, private equity salivating at the prospect of PFI and deregulation. Invest £1 get £6 back. Profits guaranteed by govt. Always cheaper for govt to borrow and invest. Environment, consumer, public rights will be trampled upon. New scandals inevitable archive.ph/2SY4O



In response to this question I asked at the FCA APM, FCA Counsel confirmed that a legal claim has been filed against the FCA for 'Misfeasance in Public Office'! This is a huge deal. No law firm is going to take on such a case and file such a claim against the FCA unless it has…

My first question put to The FCA at today's Annual Public Meeting. (I will post all of them and then update with any response given, be it a response given today or subsequent to the meeting.) Question 1 - Has The FCA received any 'Letters Before Action' or legal claim forms…



URGENT: For anyone planning on attending Reading Crown Court tomorrow for the hearing in the Private Criminal Prosecution of Tony Bates, the former CFO of HIBU (The parent company of the Yellow Pages brand), the hearing has been stayed and will not take place. It appears that…

BOOM! Judge resisted desperate efforts by Defendants legal team to have the case thrown out. The case will go to Crown Court in Reading on 1st October 2024 for the next step in proceedings. Anthony Bates was forced to stand in the dock and provide a plea to each of the various…



My 6th question put to The FCA at today's Annual Public Meeting. (I will post all of them and then update with any response given, be it a response given today or subsequent to the meeting.) Question 6 In December 2023 the FCA Complaints team had to admit that they, and…


My fifth question put to The FCA at today's Annual Public Meeting. (I will post all of them and then update with any response given, be it a response given today or subsequent to the meeting.) Question 5 The Freedom Of Information Act (FOIA) states that the public body must…


My fourth question put to The FCA at today's Annual Public Meeting. (I will post all of them and then update with any response given, be it a response given today or subsequent to the meeting.) Question 4 - On 5th July 2024 the FCA sought to defend my application for costs to…


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