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Taking Down The Mortgage Fraudsters One by One
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
In the event you are one of the millions of people, within and outside of London, who passionately object to not just it’s expansion but the very existence of ULEZ itself, you might well seriously consider serving the following Notice of Conditional Acceptance [NOCA] on both Transport For London and the Mayor’s Office, if you are sent one of the fines for driving in the country’s capital city.
Full Article 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:
OBTAINING INFORMATION VIA A DSAR REQUEST
One way to find out everything the Mortgage Co/Bank have on you is to send them a DSAR - that is a Subject Access Request - it is good to do this and is totally independent of the process we have below, so no need to await the results of that before launching your Mortgage Process.
To obtain a template Word doc version go here
The company is legally obliged to furnish you with all information they hold on you, including all monies paid, full details of mortgage and signed Deed etc, however since they do not have the proper signed deed - and also proper deed of assignment if it has been taken over by not the original lender, not just notice - they have already fallen into fraud. Fraudulent signatures in any correspondence is another biggy. For the class action re: this, it is worth signing up to if it applies to your case
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
When it comes to rebutting and holding to account the whole Agenda 30 nonsense none comes greater than the imposition of 5g on the population and the control that comes with it. This process will make them think twice and further take them at their own game, back to the people - Read more here
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IMPORTANT NOTICE - PLEASE READ
Lien by way of Affidavit of Obligation
Legal and Lawful Notice:
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 Natural/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.
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Terms of Use and Copyright Notice
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 and The Freedom Cycle, 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.
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ALL NOTICES sent signed for by Royal Mail, (to hold safely as proof of receipt and receipt number to be used later)
Terminology Used:
NAME OF MORTGAGOR - Is the 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.
LIEN DEBTOR = LIEN DEBTOR
STRAWMAN = NAME OF MORTGAGOR (full caps)
Find all details of CEO at Companies House search
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[NOTICE OF CONDITIONAL ACCEPTANCE Word Doc Template download here]
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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 LTD,
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 [i.e. Joanna Smith]
Authorised Representative for JOANNA SMITH
All Rights Reserved – Without Prejudice – Without Recourse
Non-Assumpsit
Errors & Omissions Excepted, Strictly no rights of Usufruct
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Following non receipt or inadequate response (meaning ALL questions not answered fully) the NOTICE OF OPPORTUNITY TO CURE goes out:
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[NOTICE OF OPPORTUNITY TO CURE Word Doc Template download here]
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PRIVATE & CONFIDENTIAL
ROBIN HOODY (CEO)
ROBIN HOODIES LIMITED
REGISTERED OFFICE
DATE
NOTICE OF OPPORTUNITY TO CURE
NOTICE TO AGENT IS NOTICE TO PRINCIPAL
NOTICE TO PRINCIPAL IS NOTICE TO AGENT
Dear ROBIN HOODIES LTD,
Re: Mortgage Bandits Account Number ################
Following your company’s dishonour of the NOTICE OF CONDITIONAL ACCEPTANCE dated ______________, I hereby serve NOTICE OF 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 [i.e. Joanna Smith]
Authorised Representative for JOANNA SMITH
All Rights Reserved – Without Prejudice – Without Recourse – Non-Assumpsit Errors & Omissions Excepted – Strictly no rights of Usufruct
If they then have refused or simply not replied with full answers to your questions - this NOTICE OF DEFAULT then goes out
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[NOTICE OF DEFAULT Word Doc Template download here]
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PRIVATE & CONFIDENTIAL
ROBIN HOODIES LTD (CEO)
ROBIN HOODIES LIMITED
REGISTERED OFFICE
DATE
NOTICE OF DEFAULT
NOTICE TO AGENT IS NOTICE TO PRINCIPAL
NOTICE TO PRINCIPAL IS NOTICE TO AGENT
Dear ROBIN HOODIES LTD,
Following your company’s dishonour of the NOTICE OF CONDITIONAL ACCEPTANCE dated ______________ and the NOTICE OF 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 [i.e. Joanna Smith]
Authorised Representative for JOANNA SMITH
All Rights Reserved – Without Prejudice – Without Recourse – Non-Assumpsit Errors & Omissions Excepted
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These are the 'discovery' Notices completed. The next process is here to follow with
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.
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.