Letter to Lloyds CEO Antonio Osorio (Lloyds Bank crisis and opportunity #1)


Why just go to Lloyds Bank when I could also go to the cops?
Why only go to Lloyds Bank when I could also go to the cops?


Since sending Lloyds CEO Antonio Osorio the letter below, I have also raised my concerns with England’s Action Fraud police unit.

While reluctant to pursue this legal course, I felt obliged to do so as Timothy Trood of Lloyds Customer Service Department seems intent on trivializing my concerns.

I’m hoping that the publication of this letter and related efforts will persuade Mr Trood and Mr Osorio to re-think the course on which they’ve embarked.



Dear Mr Osorio

I’m aware that you’re a busy man so I’ll be as brief as I can.

Some weeks ago I purchased an automotive side mirror from a Halfords outlet in Norwich, Norfolk, where I currently reside.


The young man who served me was so affable and keen to help that I didn’t mind too much when I subsequently discovered that he had got the product wrong, obliging me to return to the shop to replace it.


My graciousness or ‘generosity of spirit’ (as my Anglican friends might call it) probably also stemmed from the fact that I didn’t have to drive too far to get back to the store, when I discovered the error.


The main point I want to make though is that it does matter how you do things, especially if you don’t  achieve the desired outcome.


I thought of that young man today as I prepared to write you about the closure of my Intelek International business account by Lloyds in 2012.


I’m not questioning Lloyd’s exercise of its commercial discretion. I get that.


I’m questioning the way the account was closed and all the other “insults” before and after that.

Consider the relative contempt shown me by your colleague and my “Relationship Manager”, Daniel Brindley (exercising his discretion?) before the account’s closure, and you will have an idea of the depth of my sense of grievance.


And this is apart from the question of Lloyds’ possible complicity in a campaign of character assassination and commercial sabotage that Barbados government officials, religious clerics, academics, entrepreneurs, trade unionists, journalists and others in Barbados, the Caribbean and wider afield have been waging against me directly (and indirectly, against my immediate and extended family, business associates and others in Barbados and the international community) for more than 25 years now.


As I said to your colleague Steven Mercy (or is it Murphy?) of Lloyds’ complaints department on Friday, July 17, I thought that Lloyds would be standing with me against those malicious, misguided opponents of my aspirations.

Instead, Lloyds’ persistently callous, intermittently incompetent conduct obliges me to consider that your venerable 250 year old bank has either entered some kind of racketeering pact with my Barbadian and other aggressors or is (sic) united with them in purpose by some kind of superficially “coincidental” cosmological conspiracy.


How  else might we explain the fact that, in the exercise of its perfectly legal and legitimate commercial discretion, Lloyds’ discharge of its fiduciary obligations to me has been virtually identical with that of my Barbadian governmental and other adversaries?


In an article titled Lloyds “bankrolling” Barbados-based criminal conspiracy? that I published on July 14, I detail your bank’s collective conscious and unconscious assaults on my Intelek branded identity.


And that was before I spoke to the intriguingly, and I believe providentially named, Mr Mercy.


That article therefore makes no reference to Lloyds’ deviation from what Mr Mercy said is its normal courtesy of consulting customers whose trust it has violated, about how it may make repair or remedy.


This deviation from Lloyds’ normal, established practice is just one reason why I believe I am justified in comparing the contempt for Intelek thus implied, to the contempt that successive Barbadian Prime Ministers (including Owen Arthur, David Thompson and the incumbent Freundel Stuart) and their British, American, Canadian, Jamaican, Indian and other political, religious, business and academic allies have shown and continue to show me.


Mr Osorio, I understand that you have some theological training. I shall assume that you undertook that training pursuant to an at least moderately aspirational piety.


In his foreword to my book, “The Bible: Beauty and Terror Reconciled”, prominent Barbadian historian Trevor Marshall characterizes that text as a pursuit of the “quintessence of spirituality”.


Based on the implied essential compatibility of our pursuits and aspirations, therefore, Mr Osorio, I am hoping that you will partner with me to demonstrate that though some people may be motivated by malice and envy (like Joseph’s short-sighted brothers, of biblical record), the Living God, in whom “we live and move and have our being” (Acts 17:28) can turn their division-breeding, intimidating, terrorizing (Talibank Thinking) behaviour into a conciliation catalysing thing of beauty.


As my July 14th article cited above makes clear, I believe this profoundly.


Time and again, in my own and others’ lives, I have seen God make miraculous advantage out of adversity.

So please urge your colleagues to desist from their opposition to my aspirations. Please urge them to release their oppressive choke-hold on what I and others who know me believe is my divinely ordained destiny.


Please collaborate with me to remove any cause for suspicion that the globally renowned Lloyds Bank brand is intentionally or unintentionally complicit in some Barbadian and other powerbrokers’ perverse policing and aggressive, unjust, Eric-Garner-approximate arresting of my Intelek aspirations and inspired advocacy.


Mr Osorio, I believe that God, in the exercise of the unique, divine discretion that we call grace, is presenting Lloyds and Intelek with a once in a millennium opportunity to demonstrate how mightily he can move to right the wrongs suffered by those who like I, in humble, childlike faith, are seeking his face daily.


As another of my articles, Five earthquakes rock Barbados – after my prophetic reminder of 2007 quake makes clear, I believe that God, in the exercise of divine discretion, will literally “move the earth to please” (or displease?) as he did through a series of earthquakes that rocked Barbados last week.


Please exercise your discretion for, not against me. 

Please side with me, and through me, with all the oppressed and marginalized who suffer similar abuse of their human rights and affronts to their unique, God breathed (inspired) intelligence and dignity.


Please help me break the racist New-York-police-recalling stranglehold that my Barbadian adversaries and their allies would have Lloyds tighten around my throat.


Please, let me breathe: let me dream as I am wont, in the full, discretionary exercise of the basic human rights I am guaranteed by the The Universal Declaration of Human Rights.



If the earthquakes that shook Barbados days ago are a guide to go by, your affirmation of my Intelek’s worth will not benefit my intellectual property only. I note that earthquakes in Barbados tend to be twinned by similar shakings here in England, recently.


Thus rooted in my belief in the interdependence of the material and spiritual world, my work to encourage a fairer, more ethical exercise of Lloyds’ and other banks in the UK, US, Barbados, India and elsewhere will go on, irrespective of Lloyds’ support for my efforts or not.

But I would rather that Lloyds and Intelek could establish some kind of principle centred, mutually affirming and beneficial synergy.

Isn’t that the purpose of banks of old? Isn’t that compatible with the fidenia that Lloyds and other banks would forge?


I therefore look forward to hearing from you at your soonest opportunity.


Yours sincerely
Junior (Jay) Campbell
Intelek International

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England-based Barbadian holistic communication and education specialist. Founder-Principal of Intelek International. Father of two. Friend to many. I think therefore I jam.

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