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.

On the 12^th 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.

As such I have turned my attention to covering the 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.

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 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.

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”

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.

As many of you know, despite promises made over several months, the Government let me down on some funding to make the Bounce Back Loan Helpline available to everyone, and not just subscribers or those who have made a donation. They claim they have no budget, yet can find £500 to pay a convicted Ethiopian sex attacker to get on a deportation flight, to stop him kicking off! As such I have rebooted my FundRazr page and invite those of you able to make a donation to consider doing so, conversely you can subscribe to the website. Thank you in advance for your support, it allows me to continue to be here 12 hours a day, 7 days a week. Please help if you can.

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.