
BBL Summer of Love
We are entering a new phase of the Bounce Back Loan scheme, with attention now on encouraging those who blagged and defaulted on a BBL to set up a no questions asked repayment during the “BBL Summer of Love”. Then, once the Public Authorities (Fraud, Error and Recovery) Bill Gets Royal Assent, the Government’s attention will turn to seeking justice and recovering funds from those they know blagged a Bounce Back Loan, but haven’t set up a repayment plan, which will take place during the “BBL Winter of Regret.”

Two Tier Justice

Covid Corruption Commissioner Slams Insolvency Service as BBL Voluntary Repayment Scheme Shows Signs of “Two-Tier” Justice, with Some Participants Facing Court
The BBL Voluntary Repayment Scheme, dubbed the “BBL Summer of Love,” has unravelled, prompting the Covid Corruption Commissioner to criticize the Insolvency Service for pursuing legal action against some participants. The Commissioner expressed dismay, stating, “The Insolvency Service’s approach is at odds with what I was expecting from them,” as the scheme’s failings will lead to courtroom battles. […]
It’s Happening

Leaked Emails Show Labour Plan to Politicize and Weaponize the Public Authorities (Fraud, Error and Recovery) Bill, Using the Public Sector Fraud Authority to Concentrate Their Initial Efforts Making Examples of Right Leaning Councillors, Celebrities and “Patriots” – Take a Look at the Hit List and Watch as it Plays Out

The Official Announcement from HM Government and Some Words from the Covid Corruption Commissioner About the “Bounce Back Loan Voluntary Repayment Scheme” (BBL Summer of Love – BBL Winter of Regret) Which is Now Live – Don’t Miss Your Chance to Get Off the BBL Naughty List
Advice and Updates

Most People Cannot Pull £50,000 (or However Much) Out of Their Back Pocket Before December to Repay an Erroneous Bounce Back Loan (When the Money Was Probably All Spent on Their Business Anyway) – This is What You Should Consider Doing If You Have Any Worries or Concerns About the Legitimacy of Your BBL

Stay Updated Every Day! > Ongoing Coverage of the “BBL Summer of Love – BBL Winter of Regret” Program – An Overview of the Probes and Upcoming/Current Recovery Efforts Targeting Fraudulent and Illegally Obtained Bounce Back Loans – Learn Whether, When, and in What Manner You’ll Face Consequences if You Fraudulently Claimed a BBL.
Winter of Regret

Explore the Results of One Early Test Run of the “BBL Winter of Regret” – More Than 100 Firms Liquidated, with Legal Financiers Pursuing the Directors – Find Out the Total Amount Recovered – If Your Business Faces a BBL-Linked Dissolution Restriction and You Defrauded the Scheme, This (or Something Harsher) Awaits You
The first “BBL Winter of Regret” pilot targeted 100+ firms with BBL red flags, unleashing court action and then litigation funders to pursue directors personally. […]

The British Business Bank (BBB) in a Recent Statement Advises Those with Bounce Back Loan-Associated Company Dissolution/Strike-Off Holds to Consult Their Lender (Who Frequently Take No Action), Since the BBB Cannot Provide Help in These Situations – I’ve Suggested a Fix
In a recent update, the British Business Bank (BBB) advised BBL-impacted firms with strike-off blocks to contact lenders directly, admitting their hands are tied on dissolutions. […]

Shabana Mahmood, in Her Previous Role as Secretary of State for Justice, Revealed That Convicted Offenders, Such as BBL Fraudsters, May Face Bans from Bars, Live Events, and Athletic Venues, Plus Restrictions on Driving, Travel Prohibitions, and Confinement to Designated Zones via Expanded Sentencing Options
Shabana Mahmood unveiled expanded sentencing, targeting fraud convicts like BBL blaggers with “lifestyle restrictions.” […]

If Your Bounce Back Loan Provider Mailed You Any of These Notices and You Dismissed Them – As Numerous Recipients Did – It’s Highly Likely the Public Sector Fraud Authority Has Flagged You and Will Reach Out Soon – Examine the Correspondence
Ignored that demand letter from your BBL lender? You’re likely on the PSFA’s shortlist for follow-up. […]

Change of Procedure to Ensure Genuine (or Fake) “Vulnerable Individuals” from Evading Scrutiny in the BBL Winter of Regret, Official Receivers Now Have Revised Instructions for Questioning Them, Such as in Probes into Suspected BBL Misconduct and Similar Violations
To close loopholes exploited by fraudsters posing as “vulnerable,” Official Receivers now follow updated guidance under the Insolvency Service, sharpening interviews for BBL probes. […]

The Public Sector Fraud Authority’s Single Network Analytics Platform (SNAP), is currently Churning Through the BBL Naughty List, Matching Up Connected Companies, Past and Present Company Directors, and Working Out How Many Additional, Not Yet Reported FCA Regulated Firms There are That Blagged the Bounce Back Loan Scheme
The PSFA’s cutting-edge Single Network Analytics Platform (SNAP) is sifting through millions of records in the BBL “naughty list,” uncovering hidden networks of fraud. […]

Here is the Wording of the Bounce Back Loan Recovery Letters That Will Be Sent Out Offering BBL Blaggers the Option to Come to an Agreement to Repay the BBL Funds They Blagged and Will Not Face Any Legal Proceedings if an Agreement is Agreed – During the BBL Summer of Love – BBL Winter of Regret
As part of the “BBL Summer of Love” phase, recovery letters from lenders and the PSFA are landing on doormats, providing a last-chance olive branch to those who fraudulently obtained Bounce Back Loans. […]

Your Operator License Can Be Cancelled if a Traffic Commissioner Learns You Committed Fraud, Like Inflating Your Revenue to Secure a Bounce Back Loan or Diverting BBL Proceeds – Review the Examples of Those Affected
Traffic Commissioners are continuing to crack down, in their own unique way, on BBL fraud in haulage, revoking operator licenses for turnover inflation or fund misuse […]

The Standard Notice/Verification You’ll Get After Establishing a Manageable Repayment Arrangement on an Overdue Bounce Back Loan Amid the “BBL Summer of Love” – Adhere to the Monthly Payments as Stipulated, and You’ll Avoid Issues
Upon agreeing to a repayment plan in the “BBL Summer of Love,” expect this confirmation […]
BBL Summer of Love

Finally, the Public Sector Fraud Authority Confirms Dispatch of Bounce Back Loan Recovery Notices Under the (as I have called it) BBL Summer of Love – BBL Winter of Regret Campaign

Ahead of the BBL Summer of Love – BBL Winter of Regret Campaign, the Public Sector Fraud Authority (PSFA) Updated (Again) Its Privacy Policy Today, the 16th of Sept 2025
The Public Sector Fraud Authority’s “Fraud Risk Assessment Accelerator” – The System Employed to Create Preliminary Bounce Back Loan Fraud Evaluations with Assistance from Deloitte LLP
A Message for Those Trapped in Strike-Off or Dissolution Uncertainty: “The Government Is Required, Until Assured a Company Cannot Fully or Partially Repay Its BBL Debt, to File Objections with Companies House to Block Any Company’s Dissolution
What’s the Lowest Monthly Payment I Can Propose for a Defaulted Bounce Back Loan? Explore the Regulations, Lender Obligations for £1, £10, £25 Repayment Schedules, and See a Sample Income/Expenditure Form
BBL Summer of Love

How Many “Potential Fraud Red Flags” Have You Triggered? The 26 Red Flags Used as Part of the “BBL Summer of Love – BBL Winter of Regret” Recovery Action and Include “Turnover Over-Egging”, “Rapid Withdrawal of BBL Funds”, “Dormant Accounts” and “I.P.” Alerts

Lenders Intensify Efforts to Protect Their Reputations and Vulnerable Customers as New Covid Corruption Commissioner Approved Bounce Back Loan Recovery Initiatives Loom – Over 200,000 Defaulters to be Targeted in the Coming Weeks

Covid Corruption Commissioner Targets Zombie Firms with Unpaid Bounce Back Loans in “BBL Summer of Love – BBL Winter of Regret” Crackdown, with One Serving Member of Parliament Having Been Told to Get His Dodgy BBL Sorted

Pilot Scheme to Recover Fraudulent Duplicate Bounce Back Loans to Go Live – An Initial 200 People Are Going to Be Targeted During the “BBL Summer of Love”, If Successful the Rest Will Be Targeted During the “BBL Winter of Regret”

Warning Issued – Set Up An Affordable Repayment Plan ASAP If You Over-Egged Your Turnover (Either by Mistake or Otherwise) to Get a BBL as You Have One Final Window of Opportunity to do the Right Thing Before No Nonsense Recovery Action Begins

A Reminder of How to Set Up a Repayment Plan on a Defaulted (But Possibly Not a 100% Legitimately Acquired) Bounce Back Loan, and an Insight Into What Each Individual Lender Will or Won’t Ask You During That Process
BBL Summer of Love

Cabinet Office Updates Fraud Privacy Notice, Revealing Role in Bounce Back Loan Turnover Investigations
The Cabinet Office’s updated privacy notice (July 7, 2025) confirms its role in the “Bounce Back Loan Fraud Analytics Pilot,” which identified borrowers who inflated turnover figures. Learn how this data-driven approach is fueling the government’s recovery efforts and what it means for those facing scrutiny over their loan applications in the ongoing crackdown.
[…]

Insolvency Service Launches Strategy to Tackle Bounce Back Loan Fraud and Plan to Recover BBL Funds
On July 16, 2025, the Insolvency Service unveiled its strategy to pursue Bounce Back Loan defaulters and other fraudsters in the “Winter of Regret.” With a focus on enforcement, this plan signals a tough stance on loan misuse. Find out how they’re preparing to recover funds and what borrowers need to know to stay compliant. […]

Inside the Insolvency Service’s 2026-2031 Plan to Target Thousands of Bounce Back Loan Defaulters
The Insolvency Service’s 2026-2031 strategy aims to catch tens of thousands of Bounce Back Loan defaulters in the “Winter of Regret.” Through aggressive investigations and enforcement, they’re targeting fraudulent borrowers. Dive into the details of their long-term plan and learn what steps you can take to avoid being caught in this sweeping crackdown. […]

How the Public Sector Fraud Authority Will Track Bounce Back Loan Defaulters Using Social Media and Personal Data
The Public Sector Fraud Authority is gearing up for the “Winter of Regret,” using personal data, social media monitoring, and connections to track Bounce Back Loan defaulters. Discover how their enforcement unit plans to identify and pursue those who misused funds, and what it means for borrowers under scrutiny in this intensified crackdown. […]

How Borrowers Cleared Their Bounce Back Loan Issues with Affordable Repayment Plans
The government is praising borrowers who’ve cleared their names from the Bounce Back Loan “naughty list” by setting up affordable repayment plans. Learn how to navigate the repayment process and avoid penalties as the authorities ramp up efforts to recover blagged BBL funds. […]

How Authorities Spot Inflated Turnover Claims in Bounce Back Loan Fraud Cases
Did you exaggerate your turnover to secure a Bounce Back Loan? The government is now targeting those who overstated their finances to qualify for funds. Using advanced analytics, authorities are identifying discrepancies and pursuing recoveries. Learn how they’re detecting fraud and what it means for borrowers facing investigations in the latest crackdown. […]

Business Department Unveils New Strategy to Tackle Bounce Back Loan Fraud and Errors
The Department for Business and Trade has launched a bold “Counter Fraud Strategy” to recover misallocated COVID-19 grants and Bounce Back Loans. Focusing on fraud, errors, and credit losses, the plan signals tougher enforcement. Discover how this strategy will affect borrowers and what steps you can take to avoid trouble in the upcoming recovery efforts. […]

MP Slams Business Department Over Bounce Back Loan Recoveries, Unaware of New Crackdown Plans
Sir Geoffrey Clifton-Brown criticized the Department for Business and Trade’s handling of Bounce Back Loan recoveries, unaware of the looming “Summer of Love” and “Winter of Regret” initiatives. These campaigns aim to recover blagged funds through stricter enforcement. Find out how his concerns highlight the government’s next steps and what they mean for borrowers facing scrutiny. […]

What Happens If You Took a Bounce Back Loan and Don’t Repay? Risks and Consequences in the Upcoming Crackdown
If you secured and then defaulted on a Bounce Back Loan but fail to arrange a repayment plan during the “Summer of Love”, then the “Winter of Regret” could bring serious consequences. Authorities intend to pursue legal action, seize assets, or impose financial penalties. Learn how the government is cracking down on defaulters and what’s at stake if you don’t act now to settle your loan. […]
Covid Business Grant Blaggers

Discover How Councils Will Be Chasing, Setting Up Affordable Repayment Plans or Reporting Covid Business Grant Blaggers to the Police or to the Department for Business and Trade
You will also discover when and how they will offer blaggers a repayment plan, or will refer them to the police or to the Department for Business and Trade (the Department), the latter will no doubt release the hounds of hell on such blaggers who don’t repay the grants, once the Public Authorities (Fraud, Error and Recovery) Bill gets Royal Assent […]