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.

Subscribers: Please check the Voluntary Repayment Scheme Daily Updates section of the website, as some aspects of that scheme are not as they may first seem, such as the “no questions asked” element applies where people making repayments are not already under investigation (and a lot of people are already under investigation or have been investigated by way of the data matching performed over the last few years of course).

In a somewhat subdued announcement on the 12^th of September 2025, the Government officially launched the “Voluntary Repayment Scheme”. The aim being to get everyone who blagged/robbed/scammed a Bounce Back Loan to repay it before December 2025 or face the wrath of the Public Sector Fraud Authority, who along with the Insolvency Service and others, have been tasked with tracking down and taking enforcement action against those who did get a BBL they shouldn’t have or avoided repayment by pulling all manner of stunts.

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 for just what enforcement action, those who blagged a Bounce Back Loan will face, it will all be down to what they have done. The Public Sector Fraud Authority will be hunting down the most outrageous blaggers/scammers, the Insolvency Service will be mopping up many others who have tried to play the system and some Lenders have also been willing to go after their own customers.

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 below:

“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.“

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”.

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.

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.

If you were battered, threatened, bullied or coerced into taking out a Bounce Back Loan by a controlling and/or abusive partner who may have taken the BBL funds, (as has happened to a lot of people) please take a look at the Daily Updates page for advice on how to protect yourself from the Public Sector Fraud Authority when their enforcement action begins.