Google+

Mortgage Discovery Letters

Your Key to Returning your Home to You

IMPORTANT STUFF TO KNOW

Please read the following important info before progressing.
Progressing is tacit agreement to terms and conditions as laid out below

These processes are not to be taken as legal advice. They are lawful methodologies that have proven success and in the spirit of what works, pass on to share this information is proffered to help anyone caught in the entrapment of legal process. These processes are specifically encouraged to be used, where the person, addressing a wrong, wishes to not pass through the legal nightmare of court proceedings, as practiced by those resorting to the protection of an Admiralty/Maritime court.

This process denies them that protection and affords the fullest protection to the person questioning any and all allegations made against them under so called legal process. This process is committed under the auspices of the Common Law, that in itself is the highest law known to humankind, except Divine Law that supersedes it. Thus any attempt to contest this process through the courts is null and void and carries no jurisdiction within that lower level.

All processes have been available online for many years as originally created and used by Michael O'Bernicia. It is accepted that full credit is given to Michael O'Bernicia for all these documents available free to use by all who find them useful. It is also agreed that by using these indemnifies the author and this site from any change/misuse these documents might be used for or their outcomes. Their use by whosoever establishes this agreement is made.
Any misuse or charging others will not only invalidate such use but will also be seen as contravening such a contractual agreement as is laid out here and specified as to the terms and uses made of such templates.
======================

This process is free for everybody to use, solely for the express purpose it was intended for, when it was originally published during the summer of 2020 , on MOB's blog site The Bernician.net.

A mandatory condition is and always has been that all who use it must hold harmless and indemnify the author from all potential liabilities, in the unlikely event that the process, when implemented correctly, does not result in the discharge of any fraudulent mortgage claim in the UK.

It can be shared, copied and re-posted, but not without giving due credit to its originating author. Failure to do so will automatically result in the termination of the offender’s right to use the process.

If any individual, group or entity is found to have used this process for commercial purposes, or in the event they have falsely purported to be the creators/owners of it, they will be held liable for copyright infringement and misrepresentation of the facts, nunc-pro-tunc. 

Terminology Used:
NAME OF MORTGAGOR - Is Name on the Mortgage Deed
By: Upper-Case:Lower - By: Joanna Smith
Representative for NAME OF MORTGAGOR - Representative for JOANNA SMITH
ROBIN HOODY - Refers to and must be replaced by the company's CEO name. 
ROBIN HOODIES - Refers to and must be replaced by the company's name. 
Company CEOs details and address can always be found in the gov companies house site - https://www.gov.uk/government/organisations/companies-house

It is important: ALL LETTERS sent signed for by Royal Mail Special Delivery, (to hold safely as proof of receipt and receipt number to be used later, as and when needed) - you can use email as back up but always use hard copy first.

It is IMPORTANT that time scales as specified are adhered to as close as possible - ie where it says 7 days means seven days from them signing receipt of letter that you will have sent with your signed for Royal Mail proof and checked through Royal Mail Track and Trace. Ditto with 21 days. These are days not working days.

Documentation

To use as stated

These letters are all you need to shut the boss, company, challenger up when confronted with a problem. Works well for all employees, service workers and social workers etc. Read here

This UK-centric Commercial Lien process is not for the faint-hearted or those looking for a quick-fix.
 If you are not in default on a mortgage but have gleaned sufficient knowledge to know that you have been duped, conned and/or misled, then you might consider taking the following course of action against your mortgage bandit, whose entire modus operandi is to get you into default as quickly as possible, in order to take your home by using various statutes as a cloak for fraud.
Please watch The Great British Mortgage Swindle documentary as this will give you an excellent background to the process you are about to launch into

In the event you have already done some sort of discovery process, which asked similar questions to the first three discovery missives here , you can start at NOTICE OF SECURITY INTEREST, in which case you will need to delete the documents you don’t send from the list in the final AFFIDAVIT OF SERVICE & NON-RESPONSE
The first three discovery letters start here:

Knowing your rights is an important part of your life, especially when they are trying to take them away from us. Here are some simple yet important facts to guide you. They will be added to, of course - Lawful Resistance

Free Yourself From Mortgage

Taking Down The Mortgage Fraudsters One by One

Get rid of Mortgage Criminals and Be Free

Share This Page!

Mortgage Discovery

Discovery Letters to Annul
Mortgage Hold By Fraudsters

------------------------
IMPORTANT NOTICE - PLEASE READ
Discovery letter process for Mortgage Annulment
Legal and Lawful Notice:


ALL LETTERS sent signed for by Royal Mail, (to hold safely as proof of receipt and receipt number to be used later)

The discovery process is an important element in laying out questions that the other party is asked to answer. This process sets up a 'paper trail' through which subsequent processes are established to have been researched and it shows that a process of asking for certain factual, material and true elements have not been answered along an accepted time line under the Common Law.
Once this discovery process  of 3 letters has completed it then enables the serving party to then proceed with the final letter delivery process, The serving of damages via a lien by way of an Affidavit of Obligation.
Keep an eye of terminology (above) used and understood in completing these templates. 

IMPORTANT: Please make sure you replace all advisory text found in the templates, from the final letter. Read through, make sure you have not left any notes or italicised details in the final letter. Also make sure you have CAPITALISED where stated etc. These are vital and important documents and you must make sure you get them absolutely right.

============================
Each Letter carries your Full Name, Address and Postcode - you can place it how you like or as you normally do when composing a letter - top centre, right are usually preferred
============================================
PRIVATE & CONFIDENTIAL
ROBIN HOODY (CEO)
ROBIN HOODIES LIMITED
REGISTERED OFFICE

DATE

NOTICE OF CONDITIONAL ACCEPTANCE

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT

 Dear ROBIN HOODIES,
 Re: Mortgage Bandits Account Number ################

I hereby serve notice that I conditionally accept the alleged debt and will use my very best endeavours to settle and close the account in the most expedient manner possible, upon receipt of copies of the following items:

1. The original mortgage contract, signed by both parties and including all the individually negotiated terms and conditions, as per section 2 of the Law of Property (Miscellaneous Provisions) Act 1989.
2. All bookkeeping entries associated with the alleged loan.
3. The original mortgage deed associated with the alleged loan, which must comply with section 1 of the 1989 Act.
4. The insurance policy on the borrowers’ note associated with the alleged loan.
5. The call reports for the period covering the alleged loan.
6. The deposit slip for the deposit of the borrower’s note associated with the alleged loan.
7. The order authorising the withdrawal of funds from borrower’s note deposit account.
8. The account number from which the money came to fund the alleged loan to the borrower.
9. Any allonge, front and back, affixed to the borrower’s note for endorsements.
10. Verification that the borrower’s note was a free gift to the alleged lender from the alleged borrower.
11. The name and mailing location of the current holder of the borrower’s note.
12. The name and mailing location of the lender’s chartered accountant and auditor for the period covering the alleged loan.

 Please deliver these reasonably requested items within 7 days of your receipt of this notice at the mailing location provided herein. Failure to do so will comprise the tacit procuration of your agreement that your company is unable to verify and validate the alleged loan, which may result in the initiation of a commercial injury claim to cure the injury done to NAME OF MORTGAGOR.
With sincerity and honour,

[Wet signature here]

By: Upper-Case:Lower Authorised
Representative for NAME OF MORTGAGOR
All Rights Reserved – Without Prejudice – Without Recourse – Non-Assumpsit
Errors & Omissions Excepted – Strictly no rights of Usufruct 
=============================

Following non receipt or inadequate response (meaning ALL questions not answered fully) this goes out
=============================
Each Letter carries your Full Name, Address and Postcode - you can place it how you like or as you normally do when composing a letter - top centre, right are usually preferred
============================================
PRIVATE & CONFIDENTIAL
ROBIN HOODY (CEO)
ROBIN HOODIES LIMITED
REGISTERED OFFICE

DATE

NOTICE OF DISHONOUR & OPPORTUNITY TO CURE

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT

Dear ROBIN HOODIES,
Re: Mortgage Bandits Account Number ################
 I hereby serve NOTICE OF DISHONOUR & OPPORTUNITY TO CURE. Therefore, please provide me with the following items without delay:

1. The original mortgage contract, signed by both parties and including all the individually negotiated terms and conditions, as per section 2 of the Law of Property (Miscellaneous Provisions) Act 1989.
2. All bookkeeping entries associated with the alleged loan.
3. The original mortgage deed associated with the alleged loan, which must comply with section 1 of the 1989 Act.
4. The insurance policy on the borrowers’ note associated with the alleged loan.
5. The call reports for the period covering the alleged loan.
6. The deposit slip for the deposit of the borrower’s note associated with the alleged loan.
7. The order authorising the withdrawal of funds from borrower’s note deposit account.
8. The account number from which the money came to fund the alleged loan to the borrower.
9. Any allonge, front and back, affixed to the borrower’s note for endorsements.
10. Verification that the borrower’s note was a free gift to the alleged lender from the alleged borrower.
11. The name and mailing location of the current holder of the borrower’s note.
12. The name and mailing location of the lender’s chartered accountant and auditor for the period covering the alleged loan. 

Failure to deliver these reasonably requested items within 7 days of your receipt of this notice at the mailing location provided herein will comprise the tacit procuration of your agreement that your company is unable to verify and validate the alleged loan, and in so doing, your company may be in breach of the Fraud Act 2006, which clearly states:
3. Fraud by failing to disclose information
A person is in breach of this section if he— (a) dishonestly fails to disclose to another person information which he is under a legal duty to disclose, and (b) intends, by failing to disclose the information— (i) to make a gain for himself or another, or (ii) to cause loss to another or to expose another to a risk of loss.

In the event that this notice is dishonoured and it is established by the facts of the matter that your company has committed fraud, please take notice that NAME OF MORTGAGOR will begin any and all administrative and/or judicial proceedings deemed necessary, in order to recover three times the value of your company’s invalid claim in damages, plus the principal allegedly owed.

With sincerity and honour,

[Wet signature here]

By: Upper-Case:Lower Authorised
Representative for NAME OF MORTGAGOR
All Rights Reserved – Without Prejudice – Without Recourse – Non-Assumpsit
Errors & Omissions Excepted – Strictly no rights of Usufruct
=============================

They then have refused or simply not replied with full answers to your questions - this then goes out

PRIVATE & CONFIDENTIAL
ROBIN HOODY (CEO)
ROBIN HOODIES LIMITED
REGISTERED OFFICE

DATE

NOTICE OF DISHONOUR

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT 

Dear ROBIN HOODIES,

Re: Mortgage Bandits Account Number ################

Following your company’s dishonour of the NOTICE OF CONDITIONAL ACCEPTANCE dated ______________ and the NOTICE OF DISHONOUR & OPPORTUNITY TO CURE dated ____________, I hereby serve NOTICE OF DISHONOUR.

For the avoidance of doubt, pursuant to the terms set forth in the aforementioned notices, ROBIN HOODIES and NAME OF MORTGAGOR are now in agreement that:

1. There is no valid and enforceable mortgage contract in existence.
2. All bookkeeping entries associated with the alleged loan are being concealed by ROBIN HOODIES.
3. There is no valid and enforceable mortgage deed or charge operating as a deed in existence.
4. The insurance policy on the alleged borrower’s note is being concealed by ROBIN HOODIES.
5. The call reports for the period covering the alleged loan are being concealed by ROBIN HOODIES.
6. The deposit slip for the deposit of the alleged borrower’s note is being concealed by ROBIN HOODIES.
7. The order authorising the withdrawal of funds from the alleged borrower’s note deposit account is being concealed by ROBIN HOODIES.
8. The account number from which the money came to fund the alleged loan is being concealed by ROBIN HOODIES.
9. Any existing allonge, front and back, affixed to the promissory note for endorsements, are being concealed by ROBIN HOODIES.
10. Verification that the note was a free gift to the alleged lender from the alleged borrower does not exist.
11. The name and mailing location of the current holder of the note are being concealed by ROBIN HOODIES.
12. The name and mailing location of the alleged lender’s chartered accountant and auditor for the period covering the alleged loan are being concealed by ROBIN HOODIES.

With sincerity and honour,

[Wet signature here]

By: Upper-Case:Lower
Authorised Representative for NAME OF MORTGAGOR
All Rights Reserved – Without Prejudice – Without Recourse – Non-Assumpsit
Errors & Omissions Excepted

When this is not responded to or does not comply with original requests then 
the next stage of letters goes out: See them here

For those courageous enough to move forward, this site was created. It is not alone in offering content, knowledge and assistance to the self change and educational process, yet it is in total co-operation with all who are of like mind and endeavour. 

The Freedom Cycle

Mortgage Discovery Letters

Where to Start

The Journey starts here. If you have more information that would be helpful please get in contact

Share This Page!

Dreams and Realities A book for our time

01

Jonathan Trapman

Jonathan L Trapman is an author, creative writer and photojournalist who has spent the better part of his 45 odd years in public life, learning from his personal experiences, sharing them, listening to others, whose lives have allowed him to open his own mind to a beauty, even within horror, that is transforming and empowering. His written work endeavors to convey, through true tales and fiction, impressions thus garnered. Dreams and Realities can be purchased (signed by the author if wanted) here.

The Freedom Cycle

© 2021 The Freedom Cycle

Contact

Address: Glastonbury, Somerset UK
Phone: (UK)
+44 (0)1225 29 2333
Phone: (US)
+1 864-372-4820
[email protected]

Social