The helpline will be open over the Christmas and New Year Period as it is every day of the week. If you or anyone you know is in a bad place, worrying about an unaffordable BBL or any Bounce Back Loan related worries or concerns, give them my number and get them to give me a bell. If you are in a position to help me be there for everyone, please consider making a donation or if you haven’t yet done so, please subscribe to the website, I can only be here morning, noon and night with your support. All the Best, Mike

The website is updated daily with the details of Everyone Banned for BBL Wrongdoing, plus the Complete List of those Locked up for BBL Fraud and check out the Special Reports section of the site for the juicy stuff. With over 5000 pages of BBL news and updates, you’ll find what you are looking for, if not give me a call. You need to do everything in your power to avoid getting banned or jailed and to get off the Cabinet Office and the Public Sector Fraud Authority’s current BBL naughty lists , (if you are on them), that will see them, very shortly, starting enforcement action against around 200,000 of the 421,721 BBL defaulters.

All manner of data-matching exercises and investigations have been taking place behind the scenes over the last few years, and that has uncovered a huge number of Bounce Back Loans that were blagged and not repaid or even part repaid. Those with Red Flags are high up on the list of people to be hit with enforcement action moving forward, such as turnover over-eggers, Companies with a strike off blocked and those banks have reported for suspected BBL fraud and others with very obvious indicators they blagged or misused a BBL need to get things sorted before it is too late. The Covid Corruption Fraud Commissioner has told me 200,000+ people are on the “naught list”

As it appears the initial Government announcement of the BBL Voluntary Repayment Scheme which went live on the 12^th of Sept 2025, was written by a 6 year old, offering no helpful, useful or factual information, and after I asked all Lenders individually about the scheme, and published their responses, which left people shocked, the Government had no other option but to release a quickly concocted guide of the rules of that scheme, which they have now done 56 days after launching that scheme!

But as you will see on the link below, those rules are ambiguous and make the scheme sound as ludicrous as it has become. What is wrong with the powers that be, they had a great opportunity to help people make good on their BBL mistakes, when not of sound mind due to the pandemic, but have now messed it all up. Leaving anyone considering making use of that scheme fearful that even if they repay a BBL they are still going to be carted off in the back of a van.

I officially gave them advice, feedback and suggestions for 6 months, and they still managed to cock it all up. Utter madness and shame on all concerned.

On the 12th of September 2025, the Government officially launched the “Voluntary Repayment Scheme”. Offering everyone who blagged/robbed/scammed a Bounce Back Loan the chance to repay it before December 2025, on a no questions asked basis, or face the wrath of the Public Sector Fraud Authority (PSFA), who along with the Insolvency Service (I.S.) and others are going to be tasked with enforcing those dodgy, unpaid back BBLs in the New Year.

However, our dim-witted Government didn’t release the actual rules of that scheme until 56 days after launch. You couldn’t make it up, what a shower of buffoons.

As such I have turned my attention to Daily Updates of the Voluntary Repayment Scheme covering of the twists and turns of that scheme, and in December I will then start to cover how, when and where the PSFA and I.S. are activating their enforcement teams, or “Hit Squads” as the Government are calling them.

TSB, Santander and Lloyds are proving to be quite troublesome when it comes to some people trying to repay a dodgy Bounce Back Loan, see the Voluntary Repayment Scheme daily updates article below for the latest news and information and feedback from others trying, and often failing, to access and use that scheme.

Please do be aware that simply defaulting on a Bounce Back Loan does not make you a “blagger”, there is a very robust and defaulter friendly system in place for those business owners unable to repay a legit BBL and I will happily talk you through what you need to do if you cannot repay your loan and need to default, so don’t be afraid of giving me a call.

It is of course due to the number of people who took the biscuit with the Bounce Back Loan scheme that has rattled Rachel Reeves the Government and the Covid Corruption Fraud Commissioner, for real life examples of just how outrageous some BBL Blaggers were and how they got caught, take a look at the articles below which uncover people who Bought a Rolex with a BBL , others who Spent a BBL on a Sports Car and those who became Crypto Investors Using a BBL .

It will be once the Voluntary Repayment Scheme ends in December that the enforcement action will begin. However, as you can see below, they are targeting some people right now. They have pilot schemes in place to test out their systems and enforcement teams before they start chasing everyone who blagged a BBL. If you do get any of the letters below, then you are on their radar and need to act.

BBL Helpline – I am here from 4am to 4pm, 7 days a week as I have been since the 4th of May 2020, so if you need a chat about your Bounce Back Loan, call me on the Helpline. Due to the BBL Voluntary Repayment Scheme, I am taking a high number of calls at present, so if the line just rings out, I am chatting to someone else, but I do have call waiting and can see you calling and will return your call once I have finished the current call.

The ultimate aim of the Voluntary Repayment Scheme is to get people to repay a dodgy BBL in full, but that isn’t a reality for most people, but some are setting up a repayment plan with their Lender, before enforcement action begins. Their logic being, that tucked away deep in the Public Authorities (Fraud, Error and Recovery) Bill it says “the Bill contains measures to provide the PSFA with the power to recover debt in relation to funds that a public authority is entitled to recover and which, following a PSFA investigation into suspected fraud, were obtained fraudulently or through error. The PSFA will initially seek voluntary repayment of debts through affordable and sustainable repayment plans”.

A Bill working its way through Parliament will, when it becomes law, give extraordinary power to the Government to retrieve funds from anyone who blagged money from the Public Purse, you can read more on that in the articles and guides below:

The Committee of Public Accounts via their Twenty-Seventh to the Thirty-Fourth reports from Session 2024-25 presented to Parliament by the Exchequer Secretary to the Treasury by Command of His Majesty, have today given the Government One Year to get back to them with a definitive overview of how much they have recovered via the “BBL Summer of Love – BBL Winter of Regret” initiative (as I have called it), that will see, amongst others, the Insolvency Service vigorously going after BBL Blaggers.

If you did nothing wrong when applying for or spending your BBL but are struggling to repay it and possibly need to default, then you have nothing to fear with the upcoming enforcement action, and even if you have used up all of the Pay As You Grow options, you still have some additional options available.