Lloyds Bank: “deliberately fraudulent or simply full of failings”? (Lloyds Bank crisis and opportunity #2)

Screenshot of Action Fraud website, featuring an identity theft story.
Screenshot of Action Fraud website, featuring an identity theft story.


“Monday’s do or die court case – expected to last for up to six months – will centre on the issue of whether Lloyd’s was deliberately fraudulent or simply full of failings.”

So reads a February 26, 2000 Guardian article about a crucial stage in the then long-running asbestos claims saga that brought the historic Lloyds of London insurance market to its knees from the mid 1980s to the dawn of the new millennium.

I discovered this article on July 29, less than 24 hours after I reported Lloyds Bank’s suspected fraudulent closure of my [b]Intelek International[/b] business account to England’s [b]Action Fraud[/b] police unit.

I made that report with a heavy heart, after weighing evidence of what might be Lloyds’ accident-prone incompetence against evidence implicating it as a deliberately devious accomplice in the Barbados government’s criminal conspiracy against me.

From my first reading of the Guardian article, the similarity of Lloyd’s insurance’s past and Lloyds Bank’s present precarious positions, both detrimental to the [i]uberrima fides[/i] or utmost good faith business basis on which these kindred corporate giant’s trade, was immediately apparent to me.

In fact, unknowingly echoing the Guardian’s questioning, tentative tone in a July 20 email to Lloyds Bank CEO Antonio Osorio I had written, “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.”

I persisted “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’?”

I’ve published the full ethical-legal dilemma echoing email to Mr Osorio on this blog, in line with Korebelief.com’s focus on semantic and seismological “soundings”.

It makes clear my reluctance to think the worst of Lloyds, despite significant evidence suggesting that persons employed or associated with that bank have been treating Intelek with contempt since I first opened my business account with them on April 2, 2009.

And by the way, those familiar with my first “Malcolm In the Middle” article will appreciate how deeply April 2 resonates with me – and perhaps with matrix Dr Philomena Harris-Mohini, Barbados’ current ambassador to India and mother of prominent Barbadian insurance executive Peter Harris.

I have been engaging with Dr Harris-Mohini in a process of organic, prayerful, redemptive reflection and reconstruction, in which the “Malcolm In the Middle” article was the first Steppe.

My letter to Osorio also makes clear my desire to use the current impasse between Lloyds and Intelek as an opportunity for similar respectful engagement and mutual benefit.

Incidentally, I believe that kind of engagement depends significantly on the kind of forthright, honest and empathetic communication I expected but never received from my Lloyds business Relationship Manager, Daniel Brindley.

And I note that there was no transcript or other record of the one conversation I had with Mr Brindley during the three years that my Lloyds account existed, among the Data Access sourced information that Lloyds eventually surrendered to me, following an intervention by the Information Commissioner.

Against the backdrop of this and other betrayals by Lloyds of the fidentia it preaches but has so far failed to show Intelek, my letter invites Mr Osorio to collaborate with me on a “beauty from terror” rehabilitation or reconciliation of the Lloyds-Intelek relationship, essentially in line with the pattern of spiritual and material degeneration and renewal (believers’ “boom and bust”, basically) that my book The Bible: Beauty and Terror Reconciled (TBBTR) explores in an ecclesiastical and wider religious historical-political context.

Donville Inniss of the "BBC"
Donville Inniss of the “BBC” – Barbados Bottling Company Ltd

It is not only my articulation of this crisis-and-opportunity-managing principle in TBBTR that has excited the envy and ill-will of Barbadian, British, American, Canadian, Indian, African and other principle-plagiarizing business bullies, political opportunists, racial racketeers, religious rapists and theological thieves who oppose me.

It is also and more importantly my application of it in my dealings with Barbados-based religious power house Peoples Cathedral, the Surinder Kandola UK-based stake in American corporate Goliath Domino’s Pizza and other private and public sector individuals and bodies.

It is my bona fide banker-like faithfulness to, investment in and stewardship of this principle for which Barbados business minister Donville Inniss would take credit and usurp the good-will I am due by maliciously associating the Intelek brand with pornography.

And I note that Barbadian literary luminary Esther Philips (née Inniss), a former English teacher of mine, echoes Inniss, by apparently attempting to take credit for my literary-arts-boosting contribution to Barbados’ contemporary cultural renaissance, while debiting my account with “porn prince” MP Inniss-like obscenities.

I invite Mr Osorio to stand with me against theirs and others’ excesses.

Fundamentally, my letter to Mr Osorio demonstrates my keenness to find an essentially pro-creative, spiritual rather than judgemental, legalistic solution to my dispute with Lloyds, in line with the principle of respectful, open, honest engagement that Brindley, Inniss, Philips and others who are consciously or unconsciously conspiring with the Barbados government to deny me my human rights continue to deny me.

And I must note here my regret that assessment officer Juliana Huiza of the Financial Ombudsman’s Office does not so far seem to see the essential re-productive value in my pro-creative, holistic, business-relationship-roots affirming and mutual-benefit-route sustaining perspective.

Her assessment of my complaint currently consists of a rather literalistic, events-dissecting, gay-parenting-like separation of Lloyds legal obligations from any moral principle or social responsibility context.

I should also make it clear here, as I do in a recent article on the subject, that while I do not have an issue with gay people, gay marriage or gay parenting from an adult, informed choice perspective, I do believe that gay parenting presents unique challenges that “equal marriage” advocates seem recklessly keen to side-step.

Huiza’s assessment and pending decision not to uphold my complaint, as she has informed me via email, seems guided by a rather shallow, rash and rudely “romantic”, evangelical fundamentalism-approximating interpretation of Lloyd’s trust obligations to me and other clients.

It seems informed by the kind of critical thinking obstructing, easy believism that I deplore in my Informed Faith essay and commend Mr Osorio on his apparent keenness to avoid in my letter.

Before reading my letter to Mr Osorio though, some background into the Lloyd’s Insurance alleged fraud crisis that I’m comparing Lloyds Bank’s suspected defrauding of Intelek with will be helpful, if only to see what other legal, metaphorical and other analogies, echoes or parallels it might yield.


Lloyds Bank, the BBC seem united in a conscious or unconscious conspiracy.
Lloyds Bank and the BBC seem united in a conscious or unconscious conspiracy.

As Wikipedia records, in the late 1980s and early to mid 1990s, Lloyd’s insurance went through “perhaps the most traumatic period in its history” as unexpectedly large legal awards in US courts for punitive damages led to large claims by insured persons, with some claims dating as far back as the 1940s.

Wikipedia calls asbestosis/mesothelioma claims under employers’ liability or workers’ compensation insurances “the classic example of long-tail insurance risks”.

I see a sort of parallel with the “tall-tale”, truth twisting, arrogance-anchored risk being taken by the principle-prostituting and “plagiarizing” Inniss and his political, religious, media, business and other allies who are apparently banking on lies, racial and religious prejudices, among other things, in [link=page::12hxnscn]their long-running campaign to undermine my bona fide banker-like believability[/link].

But unlike the Lloyd’s insurance case, the risk-taking, entrepreneurial excesses of the subprime mortgage lending crisis, the more recent still Libor rate-rigging spectacle and other banking scandals, Lloyds Bank’s fraudulent abuse of my trust – its woeful failure to deliver on the [i]utmost good faith[/i] that it promises myself and others – is largely going unreported by mainstream news houses.

Apart from my lone voice, more or less crying in the wilderness, there is a deafening silence around my struggle for justice.

And this is despite several efforts, including a recent press release, a visit to Broadcasting House in London, and other measures, to have the BBC, the Associated Press and other mainstream news media report on the Lloyds-Intelek predicament or any other aspect of my intellectual property and wider human rights abuse struggle.

So in addition to Lloyds’ asbestos-air-polluting-like, bad-faith-borne blocking of the mutually respectful and beneficial banking relationship that could have nurtured my entrepreneurial self-belief and enhanced Lloyds’ claims of supporting my and other small businesses’ aspirations, I have also been forced to contend with British, Barbadian and other media houses’ apparent determination to deny me the “oxygen of publicity”.

I therefore felt fully justified when I started tweeting #ICantBreathe, #ICantBank, likening my dilemma to that of the fatal victim of apparent New York police racial prejudice Eric Garner.

I also draw this breathing-banking analogy to Mr Osorio’s attention.



Barbados High Commissioner Reverend Guy Hewitt (circled in red) playing dominoes
Barbados High Commissioner Reverend Guy Hewitt (circled in red) playing dominoes


And my subsequent discovery on July 24 and tweeting, of a WeSwap.com currency trading ad depicting a policeman in a banking role has not only reinforced my sense of justification but also strengthened my faith in the God-ordained (or good-ordained, take your pick) timeliness of my one-man campaign to help Lloyds radically reform its operations, on one hand and rehabilitate Intelek-Barbados government relations on the other.

But then the occurrence of a number of earthquakes and aftershocks in Barbados on July 15 to which my letter also draws Mr Osorio’s attention, had already left me in no doubt that the Lord of the Cosmos (or the Cosmos, take your pick) was conspiring with and not against me.

Indeed, my fundamental conviction that God’s will is more crucial to Intelek’s success than Lloyds’ or any other bank’s or being’s “good will” has not been arrived at frivolously.

Why just go to Lloyds Bank when I could also go to the cops?
Why just go to Lloyds Bank when I could also go to the cops, as advised by WeSwap.com?

My faith is fed by more than 33 years of similar more or less miraculous, superficially mundane and metaphorically spectacular interventions.

And around this time last year I was “visited” by Our Lady of Fatima – an exquisite encounter bridging Mr Osorio’s Portugal and the Norfolk coast.

Awake or asleep, I am perpetually feasting on a heavenly feed of inspiration, as I intimated to journalist-academic John Naughton just yesterday (August 5), asking if he and his Cambridge University conspiracy theory studying colleagues have considered how theories of the “collective unconscious” might be relevant to their work.

The fact that I saw the WeSwap.com banker-broadcaster-copper (BBC?) ad on the London underground, that bit closer to the earth’s core, metropolitan reality was therefore just gravy on the particular meal to which I am currently being treated.

Incidentally, the “BBC” logo pictured behind Inniss in the screenshot featured here is not related to the broadcaster that shares that acronym – at least not directly.

It’s the logo of the [i]Barbados Bottling Company[/i], a division of Banks Holdings Limited (BHL), the island’ largest beverage conglomerate and a “discrete” heir to Barbados’ rum and alcoholism legacy.



Guy Hewitt visiting the Commonwealth Parliamentary Association.
Guy Hewitt visiting the Commonwealth Parliamentary Association.


Like the broadcasting BBC, the Bajan bottling company operates in a position of privilege and dominance, by virtue of BHL’s extraordinary historic links to the Caribbean’s and especially Guyana’s alcoholic beverage house and banking industry.

And BHL’s flagship product [b][i]Banks Beer[/i][/b] (still my favourite lager) might be compared to the BBC’s Radio 4 by those who, like the mystic in me, are at risk of being intoxicated by and addicted to shadowy “knowledge currencies”.

BBC information hag Melvyn Bragg comes to mind immediately.

And here’s an item of knowledge that might catch Messer’s Bragg, Osorio, Inniss and other knowledge bankers fancy: through its historical links and current partnership with Guyanese firm Banks DIH Limited, BHL has a proprietary interest in both the UK and US financial industries.

But readers should not expect to hear anything about the history of that rum related “idea” from Mr Bragg or anyone else at the BBC any time soon, however telling BHL’s direct or indirect, conscious or unconscious proprietary interest, through the Royal Bank of Scotland-related Citizens Bank Guyana Inc may be.

It is as telling, I suspect, as Barbados High Commissioner to the United Kingdom, Guy Hewitt’s links to the Church of England.

Or his, Inniss’, Prime Minister Freundel Stuart, historian Hilary Beckles and other Democratic Labour Party and Barbados Labour Party politicians’ links to England’s Tory and Labour parties, the British Royal Family, the London-based Socialist International, the Commonwealth Secretariat and other UK institutions.

But assuming nothing, as I do, and being particularly careful not to be a bigotry banking teller of tall tales about anyone’s ethnic origins, sexual orientation or intellectual pedigree – my regard for the eighteenth century mystic and revolutionary Francisco de Miranda, if nothing else, would not let me – I bank first and foremost on God, the Governor General, next to whose mystic movements RBS’ first Governor, Lord Archibald Campbell ‘sand his more militarily distinguished brother Field Marshall John Campbell’s exploits figure minimally.

Having witnessed firsthand the fraught, procreation-sidelining, gay-parenting approximating, plagiaristic, trust depleting deposits and withdrawals of the arts administrator and educator Philips, Nailah “Lie-e-lah” Imojah, Margaret Gill, Elizabeth Best and other Barbadian literary artists (that is, their efforts to establish careers on the basis of tall tale claims about ideas they and their religious, political, commercial, media and other allies conceived) how could I indulge in such high sounding, low-minded belief?

I would not assume that Lloyds is guilty of defaming and defrauding me simply because of its direct or indirect, historical or present links to Barbados’ or any other Caribbean country’s banking, alcoholic beverage or insurance industries.

I would need more than Daniel Brindley’s possible links to Unite or any other British trade union before I initiate civil proceedings against Lloyds, as a litigant in person potentially.

The Intelek vision is not and never has been short-sighted or short term.

The message of TBBTR, an extract of which was published by the University of Illinois, in the Encyclopedia of Caribbean Religions (2013) is fundamentally about openness to knowledge, not fear-based assumptions.

By God’s grace and inspiration, I continue to bank, breathe and earn.

I thank God for the love, good-will and trust of my “ex-wife” (separated) Sharon, our children Lily and Luca, my brother Wayne and other family members.

I thank God for the good-will, prayers and well-wishes of members of Elim Pentecostal Church in Norwich, retired Canadian diplomat Isaac Goodine, academic-artiste Alicia Saldenha and other business associates, friends and acquaintances around the world.

With or without Lloyds’, Barbados PM Stuart’s, conspiracy-theory tracking journalist John Naughton’s, ambassadors’ Hewitt and Harris-Mohini or any other limited, human assistance, I continue to learn.














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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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