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Most people who have one will spend the vast majority of their life paying off the debt accrued via their Mortgage. What most people don’t know regarding that debt is that it does not actually exist. In reality, the borrower actually creates the line of credit which the alleged lender lends back to them, usually over 25 years and at an extortionate rate of interest.
This multi-national fraud by non-disclosure, misrepresentation and abuse of position appears to be committed under an unconscionable and irrevocable Power of Attorney granted to the bankster in every Mortgage Deed. This allows the Mortgagee to create a Promissory Note in the name of the Mortgagor, for the purposes of securing and maintaining the legal charge registered against the property. The Mortgagor has no knowledge of the scope of this provision, which is used by the bankster to discharge the original debt before a single day’s interest is charged.
Freeman Michael & Freetheplanet.net
In this Lawful Rebellion podcast, Richy talks with Freeman Michael of Freetheplanet.net. Michael exposes the most enormous yet provable fraud for the millions of mortgage payers in the United Kingdom PLC and countless more overseas.
To inspire a great awakening we must first have the time to do so. To have the time to do so we must stop worrying about the mortgage – it is the ‘death grip’ which holds so many in a trance-like, debt-driven, money-grubbing rampage.
Please spread the word about this podcast.
Main interview Timings
>1m30s+ Intro, Whats’ happening, the state of affairs worldwide, big changes coming soon
–>4m30+ The need to reframe our paradigm. Research into mortgage law
–> 6m+ Mortgage contract fraud, mortgage law is applied for the benefit of the banks, not the people. Evidenced in Law of property miscellaneous provisions act 1989, Section 2. The need for signatures from both parties… Where is the banks on yours?
–> 7m30 Faliures in request to remove charges from the land registry
–> 8m30+ Promissory note presentment & refusal by the bank, Bank of Scotland hypocracy & the HBOS reorganisation Act 2006, Bills of exchange act, Promissory notes are as good as cash
–> 12m+ Promissory notes cont, what the banks have been doing with them
–> 13m20 Definitive case law for the mortgage scam: Sarheed case – no contract containing signatures of both parties therefore no charges can be held under the mortgage; no contract to enforce.
> 14m Michaels court experiences using case law
–> 16m+ Bank’ & receiver non acceptance of lawful payment, faliure of justice & corrupt courts
–> 18m Chilling effect tactics – The civil restraining order
–> 19m Establishment protects itself – denial of grounds for appeal, Lord Justice Lloyd
> 20m30 Nature of the mortgage fraud broken down
–> 21m30 Promissory note, unconditional promise to pay.
–> 23m The promissory note has already paid for the property. Creation of a credit line seen by the solicitor, not actual money.
–> 24m The mortgage debt cycle = global fraud.
–> 25m15s “The laws of the United Kingdom are one gigantic trust, and the people are the beneficiaries, and the courts and the judges are trustees on behalf of the Queen, and they’re all in breach.” WOW – Richy
> 26 Remedies prescribed in the Act of Settlement are ignored; breach of trust
–> 26m20 Going up against the Crown or the banks & the web of deceit.
–> 27m30 – Our own faliure to take responsibillity over our own affairs
> 29 – Mass representative actions across the country: Game on Autumn/Winter 2011
–> 31 What happens if the case fails? The need for peaceful non violent change.
–> 33 The hand of Rothschild behind every war since Napoleon
–> 35 Police state develops by problem-reaction-solution.
> 35 – Just woken up?
–> 36m45 Don’t risk your own assets based on others ‘ advice
–> 37.30 Being considered exempt from tax by HRMC
–> 38 Registration of children – more taxpayers. Birth certificate is a certificate of title for the person. Life annuity is claimed after 7 years by…
–> 41 Land pirates & the seas of commerce
> 41.30 Michaels’ interaction with the pirates, declaring his condition of being alive & claiming his beneficary interest.
–> 44.30 Being on a subversives list
> 49 Michaels’ journey
–> 50 Heartfelt Intent
> 51 The community of self-realisation. Ideas for self sustaining trust associations
–> 53 If everyone knew how to create a privately-issued promissory note…
–> 54.30 Depositing promissory notes into trust accounts
–> 54 People’s public trust & law researcher convergence
> 55 Thoughts on Birkenhead. The need to exhaust all remedies.
–> 56 Magistrates courts virtually never follow due process
–> 57m30 Liens mean theres no such thing as immunity from prosecution!
–> 58 Power of liens to generate arrest warrants
–> 59m30s Peace is the path
–> 1h2m Convergence
>1h3m Michaels’ work on Freetheplanet.net
>1h5m+ Close
Further recommended viewing on trust introduction:
The antiterrorist on Freedom or Peace?
Dean Clifford – Seeing trusts with corporate analogy
Superb podcast which addresses fundamental issues in a very clear and understandable way. However what one must conclude is there has to be a point at which that line in the sand is drawn and we declare enough is enough, this has to stop and it stops right now. Otherwise this will drag on inexorably without end.
It is our one defining weakness, one which our oppressors know how to exploit to the ‘enth degree, that we are by our very nature nice people who always seek to avoid conflict at all costs.
The game is rigged, we will NEVER get justice through the courts. We will never get satisfaction playing by the rules they create. The time of servile acquiescence has to end.
Hi does anyone know what NRAM is? I was sold a mortgage by NRAM and now my loan has been repatriated owned by the tax payer (Im not sure what that means) and was not sold to Richard Branson. Any advice would be very much appreciated cos I have know idea what this organisation is nor how it is regulated because i believe it is no longer a bank but some kind of debt trust… ? Thanks in advance
Hello to Concerned mortgage. I also have an NRAM mortgage. I think it stands for Northern Rock Asset Management. When NR got Nationalised they separated all the good debts from the bad. The bad debts are now NRAM mortgages, think it was done so they could sell on the good ones to Richard Branson. Now I find myself between a rock and a hard place too. Don’t have any solutions but just wanted to let u know ur not alone.
i dont know if youre aware of it but the crown,the bank of england,the i.m.f and the world bank are all written in to ‘the laws of england’ as being totally immune from any prosecution,audit,taxes,law or even investigation.that covers their employees as well as the corporations themselves.its written about and referenced in a book called ‘the empire of the city-the secret history of the british financial power’,written in 1944 by e.c.knuth.
it is obviously still in force today as no bankers have been taken to court in britain and obama claims that none of the bankers have broken any laws.he is right,they have immunity written in to the very laws you are trying to use against them.
people need to be made aware of this.we need something other than ‘the laws of england’ to stop them.’a house divided against itself cannot stand.’they know this and they made the laws in such a way as they could break them with impunity.
Hi – interesting stuff, and unsurprised to hear of your DDoS attack. Is there anyway to download this podcast for offline enjoyment? I can’t find a link
Hey mike, obviously for the moment it is unavailable as a direct download but we’ll set up a megaupload link shortly
Megaupload has been seized by the FBI….
I look forward to downloading it also, cheers.
If you’re using WordPress, which it looks like you are, the following might work:
1. Go to your Admin console.
2. Click on “Media”.
3. Upload the MP3 into this media gallery.
4. Take a copy of the URL that is automatically generated for the file (it will appeal just below the options)
5. Publish that link on this post as an addendum.
Hope that helps, it should work without needing an intermediary.
Hey Mike – very observant. You’ll see there’s now a mediafire direct download link at the start of the article underneath the streaming player so you can all make this mega viral.
Thanks
Richy
Good work Richy!
Thanks.
I have a mortgage with Redstone, its in arrears, ive been paying moneyvtowardscthe arrears every month. it was set up as 2years interest only and then to go onto reoayments. after 4 years am still paying interest only. and they will not pyt the arrears on the end of the mortgage
Hi, have a Morgage with principality building society. I wrote to them a couple of months ago advising them I would like a settlement figure along with assurance they would accept payment in full in exchange for the original promissory note. They ignored the request and simply sent me a settlement figure. I the made them aware that they failed to answer my question to which they simply sent another redemption statement along with the a photocopy of the legal charge deed.
I have made it clear to them that if they can of produce or accept payment in exchange for the original note, I consider all business with them as concluded.
I am a little confused as to what my next step should be.
If I stop payments I will get taken to court.
I’m struggling to find a decent lawyer who will act per requirement and in my interest as I believe in this movement and want to persue, but I don’t feel confident in fighting this alone as I am not as educated in this feild as I would like to be.
Any help is much valued.
Thanks
Harry
Harry I would suggest you take a look at the Si Spaniard youtube video on mortgages at the white rabbit youtube channel. new podcast coming v soon
I met one of your representatives outside the Court called Michael and have lost contact with him. Please read my posts on ‘Victims Unite’.
GMAC-RFC ltd now called Paratus AMC ltd is the worst underhand company along with their designated company solicitors called TLT solicitors Bristol who I have had the misfortune to have taken a re-mortgage. In what is evident and in their process of an arms length mortgage, they enticed my broker to act as a legal intermediary, attempted to place the entire blame on him.
This company did not help me in 2006 when I fell into arrears and very ill after a hit and run car accident. They opted for a super fast eviction based on perjury, and continued to pervert the course of Justice. Taking advantage of my continued illness, and me being a Litigant in person, they won a recent case against me after systematically perverting the course of justice and I have all the evidence.
I sued them in 2009 to reclaim amounts £5,500/- added to my mortgage that they at first denied liability and then refunded me when I escalated the case to include serious conflict of interest and various breaches. I could not get legal Aid, and began to study the law to fight my case.
My case was thrown out as they convinced the Judge I was wasting courts time my bundles and applications began going missing in court and I was made into a scapegoat. I was ridiculed for being accompanied with a McKenzie’s friend and found myself being given a double edge sword by one judge as he offered to bar the other judge knowing that me accepting this offer would make me a target of the other judges and would be detrimental for my case. My head was served on the platter as I was humiliated and mocked by two Judges for not being able to write and speak in legal terms that caused a great deal of distress to me.
I was treated like a criminal by the Courts as I had to face them and I took all the blows until I could bear no more and passed out in the Court.£42,000/- plus in legal costs have been added to my mortgage. I have been denied a fair hearing because I was a Litigant in person. I still insist and have all the evidence to prove that they have perverted the Course of Justice to win this case in 2012.
I have not been able to go to High Court for an appeal due to continuous ill health and two operations late last year and due to the Judge declaring in his Judgement that in his opinion my case was not a High Court matter and refused the application I made to transfer my case to the High Court as I had lost my faith in the lower court shortly before he threw my case out after their application to strike. His personal opinion that that the lenders, their designated company solicitors acting in dual capacity and my broker did not have any duty to me and he did not feel that this was a High Court matter as he justified himself from dismissing my application I made in Dec 2011 to allow their application made in March 2012 all heard on the same one day hearing.
This I understood would have influenced my case and it made be believe that going to the High Court would be a waste of time and it would incur more costs. In all truth I could not and still cannot stomach stepping into any court for the rest of my life as the thought makes me physically sick. My utter belief in Democracy in this country totally wiped out. After sustained repeated biased refusals of appeals I realized that I was being set up to lose as the I faced the Judges wrath who feigned knowing the law.
I passed out in Court on the day of the hearing in March 2012 and was taken by ambulance to the hospital and since then I have been in and out of hospital and too ill both physically and psychologically to take this matter further.
In their defense they produced a witness statement in Court from an employee who swore that he is employed by them as a ‘Legal Executive and has conduct of the matter’. Yet on further investigation I have found out that this witness has not been registered as a Legal Executive in the SSR and the Cilex organisations that registers all Legal Executives and solicitors working as such. I have been asked by one of the above organisations to inform the court that this person has never been a recognized Legal Executive.
Their Company House records released in 2012 by several disclosure orders as I somehow managed to drag disclosure from 2009 till 2012 show that they have one American Managing Director, a company director who is a German and he is also the company secretary and two American directors. Is this legal to be a director and company secretary? I have never been so baffled by the confusing maze they set me up with as they continue to entrap and defraud millions like me.
Among the various errors: Despite the Court knowing the following: There are no contracts to accompany the deed, no offer letter signed by me to confirm acceptance, no jurisdiction reference to the Mortgage Condition on the deed, that I was charged two interest rates during the fixed interest period, the deed was signed by an unnamed solicitor by proxy in the presence of my broker, that they offered all legal costs as an incentive yet denied that they ever instructed their solicitor to act on my behalf, no repayment plan put in place as these sections on the application form is left blank the lenders and their company solicitors processed a void mortgage, my case was thrown out,
The Defense continued to nit-pick about my statements with sole intentions to humiliate as the the Judges joined in the band wagon. The errors by these so called professionals are laughable and even more so is the judgement of a Circuit Court Judge who took what they said as the truth in good faith, don’t understand what evidence he took on board when he made this faulty judgement as it wasn’t mine that he looked at, he too was duped by them to give out a judgement based on personal opinion as they continued to pervert the course of justice from 2009-2012.
I was even barred from using my evidence when I was the Plaintiff in this case and to question the deed that was registered in 2005. Unbelievable and shocking what I have had to endure from the Judges who are put in place to protect victims. The ‘carry on’ in Court between one of the Judges was barred by the other due to personal remarks made during my case and me being given a double edge sword saw the Judges gang up against me and I was ridiculed at every point and treated like a delinquent child not understanding the law who was wasting precious time fighting a case that was allowed to be dragged on from 2009-2012.
After adding legal costs of around £42,000/- in around May 2012 Paratus AMC are now demanding that I put together a repayment plan to include the legal costs not formally ordered by the Court. Despite them knowing that when they processed this re-mortgage, there was no repayment plan at inception this would leave a empty pot for 7 years. These costs were not as a result of a court order.They had without providing any evidence in disclosure convinced the Court that they have an agreement….there is no agreement other than a half filled application form and a deed that does not mention E&W. There is no detailed terms and conditions contracts signed by both parties.
I have been trapped by a predatory VOID mortgage and was dragged into court due to their serious failings only to be fobbed off by the Courts of Law who have been put in place to protect victims. As they shed their skins like snakes and change company names and hands to cover and continue to re-sell their companies to their sister companies to cover their tracks. It is very hard to digest the shock of what I have had to go through and how both the Labour Party and the Conservatives since the Second World War have allowed such easy access to abuse. Home mortgagors are not giving or expecting charity. People like me want to feel secure in our own homes and have equal rights that the Mortgage Conditions 2004 E& W does not protect. This is an instrument that condones conflict of interest as the Property Law 1925 and 1989 is slowly being eroded. I am willing to demonstrate to fight for the equality and the law to void all mortgages that are in fact void. To add fuel to the fire of inequality to obtain justice is the changes in the legal aid system.
I need help to take this matter further, and cannot do so on my own. I cannot forget the smile on the Judges faces as they mocked me and cannot forget the evil smiles of victory as the Barrister loudly chatting to my broker who also sat in the court room as though she had won another job done and dusted, as I walked out of the court room knowing I was set up to lose the case, and to call the ambulance as I thought I was going to have a heart attack brought on by a severe anxiety attack. The people of this country have been taken for a roller coaster ride by the Bankers, Since the Second World War there the world has become Financial slaves, and its time we get together to show them whose boss. Without us financial scapegoats there would be no banks. Democracy and the Human Rights of Homeowners have to be protected at all costs.
Please help. Julie de Souza
I am willing to go on Hunger Strike to fight for my home and to protect Homeowners of the future. I am Portuguese Indian and speak with an accent, and have a multicultural family my two grandsons whose father is English/ Scottish decent. It fuels me to carry on this fight on for the protection of our grandchildren and theirs to come. This country has no moral right to flag the banner of Democracy if they are allowing the abuse of their citizens, and are slowly losing their moral right to flag the banner of Human Rights. Those financial companies who willfully break the law to their advantage should be penalized heavily and treated like common criminals are hounded and sentenced to long prison terms instead of being bailed out. Those who threaten to leave this country after bringing this country to its knees to trade elsewhere should be shown the door, and guided into the doors of the long terms in prisons. I wrote an appeal to various heads after this case including Ed Miliband and David Cameron. The office of Ed Miliband has replied that I should contact my MP, and thanks me for taking time out to make them aware, and I still await an acknowledgement from the Prime Minister and Mr Clegg. As I live in hope and slowly die in despair. I slowly digest the facts that a country and Democracy I grew up in awe of has turned its back on its own people and Aliens like me who love this country as their own after making it our home. None of us have a secure roof to live under and out rights of Liberty abused by the greed of a small group of individuals who are terrorizing innocent law abiding citizens in their very homes. Unbelievable. I will not rest until my voice is heard.
so what is the advice to anyone who has a mortgage? get rid of it? rent and save instead? if you rent aren’t you likely indirectly funding someone elses mortgage? please clarify as i am seriously considering selling!
James, it’s up to you mate. That’s exactly what you’re doing by paying rent and it’s hardly any better is it? The only thing I would advise is caution; this sort of information can be unsettling but it doesn’t change your daily circumstances, so take it slow and think about what you want to do. The answers will become clear in time.
I made up a song the other day and it goes like this:
KILL NRAM KILL NRAM KILL NRAM KILL NRAM and those are the only words. I am so sorry to hear about the experience that Ms De Souza had I really am. It is utterly disgraceful and abominable what is happening in the UK, we are all slaves to our Mortgages – and worse still the bank is our Pimp and we owe them a large part of whatever money that we use our bodies and our life force to make – and that just aint right. The Queen of England, the Bank of England and others are all Satanists and they sacrifice blood and engage in pedophilia etc. to give them the power to bind us in these evil slave contracts – we cannot fight it in the courts because it has been going on for hundreds of years and they are all in on it. We the consumers are their mugs that go and fill ourselves up for them to drink out all the goodness out of our lives, and before you know it your life has passed you by – what have you become nothing more than a slave to the bank.
Your health however, is the most important thing – if you do not have your health then you cannot fight. I hope you are better and I encourage you o get your health back so that you can continue to fight.
I have jut recently woken up to how all of this works and I am determined to fight NRAM until I win
RQ
Does the miscellaneous property act 1989, apply to Scotland, as when i look at this act it is marked England+Wales.
If anyone is (nearly) ready to start using our Real Names (sentence case, not CAPS), and faces, and who we really are, and what we do, and where we do it, those facilities are now available for £-free, pending retrieval of several hundred £trillion globally, now on page_13, panel-comment 186, here: –
https://lawfulbank.com/forum/thread/69/money-loans-credit-debt-mortgage-bank-building-society-fraud-action-refund-/page_13/
Starts on Page 1, of course (click word-title to open)…
https://lawfulbank.com/forum/thread/69/money-loans-credit-debt-mortgage-bank-building-society-fraud-action-refund-/
…and the more we add (proper name / people / real action) New Reply panels, the more irresistible and attractive we become.
Includes whoever is webmaster / moderator behind LawfulRebellion.org, and your work so far much appreciated, and can we also work together reshaping / renaming / unifying whatever “We the people” (all of us) want to call Ubuntu-Contributionism-self-realisation-self-Sovereign-anarcho-micro-nations-peoples-peaceful-and-lawful-rebellion-time-bank?
Julie de Sousa, contact Neil Warren at lawfulbank then me. I am taking on GMAC i WILL help you.
Look at the definition of mortgage. Mort means dead and gage means pledge. It’s a dead pledge. You always have to look at the etymon of the word because the modern definition changes according to what the subhuman elite want via control of the media.
Word Origin and History for mortgage Expand
n.
late 14c., morgage, “conveyance of property as security for a loan or agreement,” from Old French morgage (13c.), mort gaige, literally “dead pledge” (replaced in modern Frech by hypothèque), from mort “dead” (see mortal (adj.)) + gage “pledge” (see wage (n.)). So called because the deal dies either when the debt is paid or when payment fails. Old French mort is from Vulgar Latin *mortus “dead,” from Latin mortuus, past participle of mori “to die” (see mortal (adj.)). The -t- restored in English based on Latin.
what must be asked is as any one got a good Solicitors and Barrister
who is willing to fight the banks on one of two ways
1. a no win no fee
2 Legal aid
I sure would like to know