Legal Notice, Terms of Use & Privacy Policy

lloydsmortgagevictims.co.uk

Last updated: 27 June 2026 (comprehensive publication framework)

1. About This Website

This website is operated by Alexander Irving ("we," "us," "our") as an independent consumer advocacy and information campaign. It is not a law firm, not a claims management company, and does not provide legal advice.

The campaign name "Lloyds Mortgage Victims" refers to individuals who believe they may have been affected by the matters described on this website. It does not assert that any court, regulator, or other authority has found that any person was a "victim" of mis‑selling or any other wrongdoing.

This website is not affiliated with, endorsed by, authorised by, or connected to Lloyds Banking Group plc, Lloyds Bank plc, Lloyds TSB, Halifax, Bank of Scotland, Scottish Widows, or any subsidiary, division, or associated entity of Lloyds Banking Group plc (collectively, "Lloyds Banking Group").

All references to Lloyds Banking Group, its subsidiaries, divisions, products, or services on this website are made solely for the purposes of identification, factual reporting, fair comment, and legitimate criticism in the public interest, and constitute nominative fair use.

2. Purpose

The purpose of this website is to:

(a) Provide information to consumers who may have been affected by alleged mortgage mis-selling practices by Lloyds TSB Secured Lending (now part of Lloyds Banking Group plc) during the period 2000–2006;

(b) Facilitate communication between affected individuals for the purposes of potential collective legal action;

(c) Publish factual information, commentary, and opinion regarding the alleged conduct of Lloyds Banking Group and its associated entities in relation to mortgage lending, property valuation, and repossession practices;

(d) Exercise the operator's rights to freedom of expression under Article 10 of the European Convention on Human Rights, as incorporated into UK law by the Human Rights Act 1998.

3. Legal Basis for Publication

3.1 Freedom of Expression

The content published on this website constitutes the exercise of the fundamental right to freedom of expression as protected by:

Article 10 of the European Convention on Human Rights
The Human Rights Act 1998
Common law rights of free speech and fair comment

3.2 Fair Comment and Honest Opinion

Where opinions are expressed on this website, they are expressed as honestly held opinions based on facts that are stated or referred to, and relate to matters of public interest, within the meaning of section 3 of the Defamation Act 2013. Contested matters are identified as allegations unless and until determined by a court, regulator, or agreed settlement.

3.3 Public Interest

Where statements of fact are published on this website, publication is in the public interest and we reasonably believe that publication is in the public interest, within the meaning of section 4 of the Defamation Act 2013. The matters addressed on this website — including alleged systematic overvaluation of residential properties for the purpose of advancing secured lending, and the subsequent enforcement of debts calculated on the basis of those valuations — are matters of significant public concern affecting potentially numerous consumers.

3.4 Truth

Where statements of fact are published on this website, we believe them to be substantially true within the meaning of section 2 of the Defamation Act 2013, and are prepared to defend them as such.

3.5 Nominative Fair Use

All use of the names, trademarks, and brand identifiers of Lloyds Banking Group plc and its subsidiaries on this website (including in the domain name) is nominative fair use for the purposes of identification, commentary, and criticism. This use is protected under UK and international trademark law, which recognises that trademarks may be used by third parties for the purposes of legitimate comparative advertising, commentary, criticism, news reporting, and consumer advocacy. See British Telecommunications plc v One in a Million Ltd [1999] 1 WLR 903 (distinguishing criticism sites from cybersquatting); Nominet DRS Policy, paragraph 8.1.1 (fair use in domain disputes).

3.6 Malicious Falsehood

See Malicious Falsehood Act 1952; tort of injurious falsehood at common law.

Where factual statements are published, they are published in good faith for the purposes described in this notice. We do not publish statements knowing them to be false, nor for an improper motive inconsistent with legitimate consumer advocacy. Allegations are identified as such unless and until determined otherwise by a court, regulator, or agreed settlement.

3.7 Limitation and Historical Conduct

See Limitation Act 1980; Consumer Rights Act 2015; Financial Services and Markets Act 2000 (as amended).

This website addresses historical mortgage and secured lending conduct during the period 2000–2006 and its alleged continuing consequences. Nothing on this website constitutes a representation that any particular claim is within or outside any limitation period. Limitation is a complex question of fact and law on which affected individuals must obtain independent legal advice.

3.8 Collective Redress and Group Litigation

See Civil Procedure Rules Part 19 (Group Litigation Orders); representative actions at common law and statute.

References to a "potential group action" or "potential collective legal action" describe a possible future mechanism for aggregating claims. No group litigation order, representative action, or collective proceedings has been commenced by the operator of this website. Registration of interest is an administrative step only and does not confer membership of any proceedings or bind any third party.

3.9 Operator Conduct Standards

We do not publish personal data of private individuals without lawful basis; do not encourage harassment of bank employees; do not publish material we know to be confidential by virtue of a continuing legal obligation owed to us; and do not impersonate Lloyds Banking Group or any regulator. Criticism is directed at institutional conduct and matters of public record, not at private individuals in their personal capacity unless fairly and reasonably necessary in the public interest.

3.10 No Admission

Nothing on this website constitutes an admission of liability, wrongdoing, or exaggeration by any person who registers interest, corresponds with us, or is otherwise associated with this campaign. Conversely, nothing on this website should be read as an admission by Lloyds Banking Group plc or any associated entity that any allegation is well-founded.

4. Disclaimer

4.1 No Legal Advice

Nothing on this website constitutes legal advice. We are not solicitors, barristers, legal executives, or licensed claims management professionals. Nothing on this website should be relied upon as a substitute for professional legal advice. If you believe you have been affected by the matters described on this website, you should seek independent legal advice from a qualified solicitor.

4.2 No Guarantee of Outcome

Registration of interest on this website does not constitute the commencement of legal proceedings, does not create a solicitor-client relationship, does not guarantee that legal proceedings will be commenced, and does not guarantee any particular outcome.

4.3 Accuracy

While we endeavour to ensure that all information published on this website is accurate and up to date, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information contained on this website. Any reliance you place on such information is strictly at your own risk.

4.4 Third-Party Content

This website may contain links to external websites or references to third-party content. We have no control over the content of external websites and accept no responsibility for them or for any loss or damage that may arise from your use of them.

5. Privacy Policy

We take your privacy seriously. This section explains how we collect, use, and protect your personal data in compliance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

5.1 Data Controller

The data controller for personal data collected through this website is:

Alexander Irving Email: alex@tapaquatics.com

5.2 What Data We Collect

We may collect the following personal data:

Email address — provided voluntarily through the registration of interest form
IP address and browser metadata — collected automatically through standard web server logs
Any additional information you choose to provide to us voluntarily through correspondence

5.3 Legal Basis for Processing

We process your personal data on the following legal bases:

Consent (Article 6(1)(a) UK GDPR) — where you voluntarily submit your email address through the registration form, you consent to us contacting you about this campaign
Legitimate interests (Article 6(1)(f) UK GDPR) — we have a legitimate interest in facilitating communication between individuals who may have been affected by the same alleged misconduct, for the purposes of potential collective legal action
Legitimate interests (Article 6(1)(f) UK GDPR) — we have a legitimate interest in understanding aggregated website usage (pages viewed, approximate location, referral source) to operate and improve this campaign website

5.4 How We Use Your Data

Your personal data will be used solely for the following purposes:

To contact you with updates about this campaign
To facilitate communication between affected individuals
To share your contact details with instructed legal representatives, should collective legal proceedings be commenced (we will seek your explicit consent before doing so)

We will never:

Sell your personal data to third parties
Share your personal data with Lloyds Banking Group or any of its subsidiaries
Use your personal data for marketing purposes unrelated to this campaign
Transfer your personal data outside the United Kingdom without appropriate safeguards

5.5 Data Retention

We will retain your personal data for as long as is necessary for the purposes set out above, or until you request its deletion, whichever is sooner. In any event, we will not retain your personal data for longer than 6 years from the date of collection (being the standard limitation period for civil claims in England and Wales).

5.6 Your Rights

Under the UK GDPR, you have the following rights:

Right of access — to request a copy of the personal data we hold about you
Right to rectification — to request correction of inaccurate personal data
Right to erasure — to request deletion of your personal data ("right to be forgotten")
Right to restrict processing — to request that we limit how we use your data
Right to data portability — to request your data in a structured, machine-readable format
Right to object — to object to our processing of your personal data
Right to withdraw consent — to withdraw your consent at any time (without affecting the lawfulness of processing carried out before withdrawal)

To exercise any of these rights, please contact us at alex@tapaquatics.com. We will respond to your request within one calendar month.

5.7 Complaints

If you are not satisfied with how we handle your personal data, you have the right to lodge a complaint with the Information Commissioner's Office (ICO):

Information Commissioner's Office Wycliffe House, Water Lane Wilmslow, Cheshire SK9 5AF Tel: 0303 123 1113 Website: https://ico.org.uk

5.8 Cookies and analytics

This website uses Plausible Analytics, a privacy-focused analytics service operated by Plausible Insights OÜ. Plausible is not Google Analytics and does not use advertising or cross-site tracking cookies.

Plausible collects aggregated, anonymous usage data only, such as:

Pages visited and time on site
Country and region of visitor (derived from IP address, then discarded)
Device type, browser, and operating system
Referring website or search engine

Plausible does not identify individual visitors, does not build advertising profiles, and does not sell data to third parties. No consent banner is required for this analytics tool under typical UK/EU interpretations because it is cookieless and privacy-preserving; this policy serves as our disclosure.

We do not use advertising cookies or third-party tracking cookies that follow users across other websites.

6. Intellectual Property

6.1 Our Content

6.2 Third-Party Trademarks

"Lloyds," "Lloyds Bank," "Lloyds TSB," "Lloyds Banking Group," "Halifax," "Bank of Scotland," and "Scottish Widows" are registered trademarks of Lloyds Banking Group plc. Their use on this website is solely for the purposes of identification and does not imply any affiliation, endorsement, or sponsorship.

7. Limitation of Liability

To the fullest extent permitted by law, we exclude all liability for any loss or damage (whether direct, indirect, consequential, or otherwise) arising from or in connection with your use of this website, including but not limited to:

Any reliance placed on information published on this website
Any decision to register interest or participate in any potential collective action
Any inability to access this website
Any viruses or other malicious software that may infect your computer equipment

Nothing in this section excludes or limits our liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by English law.

8. Governing Law and Jurisdiction

This legal notice, and any dispute or claim arising out of or in connection with it, shall be governed by and construed in accordance with the law of England and Wales. The courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with this legal notice.

9. Dispute Resolution — Notice to Lloyds Banking Group plc

In the event that Lloyds Banking Group plc or any of its subsidiaries, agents, insurers, public relations advisers, or legal representatives wish to raise any concern regarding the content of this website, we invite them to contact us in writing at alex@tapaquatics.com in the first instance. We are committed to the responsible exercise of free speech and will give proper consideration to any legitimate concern raised in good faith that complies with Section 14 of this notice.

However, we note for the avoidance of doubt:

(a) This website will not be removed, taken down, or materially altered in response to any request that does not identify a specific, actionable legal deficiency in a specific, identified publication, with proper particularity;

(b) General assertions of "reputational damage," "brand harm," or requests to remove content on the basis that it is "embarrassing," "commercially sensitive," "unhelpful to investor relations," or "prejudicial to pending litigation" do not, of themselves, constitute grounds for removal under English law;

(c) Any attempt to obtain removal of this website or its domain names through a Nominet DRS complaint, ICANN UDRP proceeding, social media platform complaint, hosting-provider abuse report, or court application for an interim injunction will be defended on the merits. We reserve the right to publish fair and accurate accounts of any such attempt where permitted by law, as part of legitimate reporting on consumer advocacy and freedom of expression;

(d) Pre-action correspondence must comply with the Pre-Action Protocol for Media and Communications Claims (defamation and related claims). We will not enter substantive discussion in response to correspondence that does not identify: (i) the specific URL or publication; (ii) the specific words complained of; (iii) the natural and ordinary meaning (or innuendo) attributed to those words; (iv) the factual basis on which truth or honest opinion is denied; and (v) the remedy sought;

(e) A request to "discuss offline," "resolve amicably without prejudice," or "avoid escalation" that is not accompanied by the particulars in paragraph (d) will be treated as a courtesy invitation only and will not suspend publication of lawfully published material;

(f) We do not accept without-prejudice communications as a basis for removing public-interest material where no legally sufficient complaint has been particularised;

(g) Any person threatening proceedings should note Sections 14, 18, and 19 regarding protocol compliance, costs, and our record-keeping practices.

10. Changes to This Notice

We reserve the right to update this legal notice at any time. Any changes will be posted on this page with an updated "Last updated" date. Your continued use of this website after any changes constitutes acceptance of the revised terms.

11. Contact

For all enquiries relating to this website:

Email: alex@tapaquatics.com

For data protection enquiries specifically, please include "DATA PROTECTION" in the subject line.

For correspondence from Lloyds Banking Group plc or its legal representatives regarding content on this website, please include "CONTENT NOTICE" in the subject line and comply with Section 14.

12. Terms of Use — All Visitors

By accessing this website, you agree to these terms. If you do not agree, you must not use this website.

12.1 Permitted Use

You may access this website for lawful personal, informational, journalistic, regulatory, or legal purposes. You may link to this website provided the link is fair and does not suggest endorsement by us.

12.2 Prohibited Use

You must not:

Use this website in any way that is unlawful, fraudulent, or harmful
Attempt to gain unauthorised access to our systems, forms, or hosting infrastructure
Scrape or harvest email addresses from this website for unrelated marketing
Submit false information through any form
Impersonate the operator, affected consumers, Lloyds Banking Group, or any regulator
Use this website to harass any individual

12.3 No Reliance by Opponents

Nothing on this website is intended to create estoppel, waiver, or admission against the operator in favour of Lloyds Banking Group plc or any other person. Use of this website by a competitor, opponent, or their agents for intelligence-gathering does not create any duty of confidentiality in the operator beyond applicable law.

13. Publication Standards and Corrections

We maintain internal publication standards requiring, where practicable:

Distinction between allegation, opinion, and established fact
Identification of primary sources for factual statements where published
Prompt correction of proven material errors of fact
Preservation of corrected versions with correction notes where appropriate

Requests for correction must identify the specific alleged error, the correct information proposed, and supporting evidence. We will consider meritorious correction requests in good faith. Correction of a factual error does not constitute withdrawal of honestly held opinion or of properly qualified allegations under investigation.

We may offer a right of reply where fair and practicable in the public interest. A right of reply is discretionary and does not extend to the removal of lawful commentary.

14. Pre-Action Protocol and Correspondence Requirements

See Pre-Action Protocol for Media and Communications Claims; Civil Procedure Rules Part 44 (costs); Practice Direction on Pre-Action Conduct.

Any person contemplating defamation, malicious falsehood, privacy, harassment, or related proceedings against the operator in respect of material on this website is expected to comply fully with the Pre-Action Protocol for Media and Communications Claims before issuing proceedings.

Correspondence that fails to comply may be answered only with reference to this Section and Section 9. Repeated non-compliant letters may be treated as unreasonable conduct for costs purposes if proceedings are issued.

We may instruct legal representatives at any stage. Receipt of pre-action correspondence will be logged with date, sender, and summary of complaint.

15. Domain Names, Trade Marks, and Platform Disputes

15.1 Domain Names

The domain names lloydsmortgagevictims.co.uk and lloydsmortgagevictims.com are used nominatively to identify the subject matter of this campaign: alleged mortgage mis-selling affecting consumers in connection with Lloyds TSB Secured Lending and associated entities. The domains are not used as a source identifier for banking services, do not offer financial products, and do not create confusion as to sponsorship.

15.2 Nominet and UDRP

Any complaint under the Nominet Dispute Resolution Service or ICANN UDRP must address nominative fair use, legitimate non-commercial or fair-use criticism, and the absence of bad-faith registration for commercial gain. We reserve all rights to defend domain registrations and to rely on paragraph 8.1.1 of the Nominet DRS Policy and equivalent UDRP defences.

15.3 Hosting and Takedown Requests

Hosting providers and intermediaries are not authorised to remove content on the basis of bare assertions of trade mark infringement or defamation without court order or valid legal process under applicable law. We expect any intermediary to forward specific complaints to us at the contact address above.

16. Regulatory and Public-Interest Context

See Financial Services and Markets Act 2000; FCA Handbook (CONC, MCOB, PRIN); Financial Ombudsman Service jurisdiction.

The matters addressed by this campaign concern alleged consumer harm in regulated financial services. Nothing on this website asserts that the Financial Conduct Authority, the Financial Ombudsman Service, or any court has determined the outcome of any individual complaint. References to regulatory frameworks are for contextual identification only.

Consumer advocacy concerning alleged systemic misconduct by major financial institutions is a matter of public interest. Publication serves the public interest in transparency, access to justice, and informed decision-making by potentially affected borrowers.

17. Corporate and Legal Representative Access

Any person accessing this website on behalf of Lloyds Banking Group plc, its subsidiaries, insurers, or legal advisers does so as a visitor on the same terms as any other user. Access for monitoring, due diligence, or pre-action investigation is acknowledged and permitted.

Such access:

Does not create a solicitor–client relationship with the operator
Does not constitute service of legal proceedings (see Section 8)
Does not imply acceptance by the operator that any allegation is false or that any request for removal is well-founded
May be logged in aggregated analytics (see Section 5.8) without identification of individual corporate users

We assume that institutional readers are familiar with the Defamation Act 2013, the Pre-Action Protocol for Media and Communications Claims, and the limits of trade mark law in criticism and consumer advocacy. This notice is drafted accordingly.

18. Costs, Security for Costs, and Unmeritorious Claims

See Civil Procedure Rules Part 44; section 194 Legal Aid, Sentencing and Punishment of Offenders Act 2012 (one-way costs shifting in defamation — note applicable transitional and eligibility rules).

If proceedings are issued without compliance with the pre-action protocol, without particularisation of the complaint, or without a reasonable basis, we reserve the right to apply for:

Strike-out or summary judgment where appropriate
Security for costs where the claimant is a company or otherwise eligible
Indemnity costs or other costs orders where conduct is unreasonable

Nothing in this Section constitutes a threat of litigation by the operator. It is a statement of the operator's intended response to unmeritorious or procedurally defective claims, as permitted by English civil procedure.

19. Records, Evidence, and Retention

We maintain records of:

Website publications (including version history via hosting and deployment records)
Form registrations and correspondence relating to the campaign
Pre-action and legal correspondence received and sent
Source material supporting factual publications, where held

Records may be retained for the duration of the campaign and for up to six years thereafter, or longer where required for legal proceedings or regulatory obligations. Destruction schedules follow data minimisation principles in Section 5.

20. No Waivers; Severability; Entire Agreement

No failure or delay by the operator in exercising any right under this notice shall constitute a waiver. Any waiver must be in writing.

If any provision of this notice is held invalid or unenforceable, the remaining provisions continue in full force.

This notice, together with the homepage publication it governs, constitutes the entire agreement between the operator and visitors regarding use of this website, to the extent permitted by law.

Nothing in this notice requires the operator to surrender lawful rights of publication in exchange for commercial convenience, confidentiality undertakings, or non-disclosure agreements proposed by any bank or its advisers.

This legal notice was last reviewed on 27 June 2026 (comprehensive publication framework; aligned with landing page).