A mortgage is not a loan of money from a bank to buy a house to be repaid with interest. There are 11.2 million families in England and Wales who believe they have borrowed money from a bank to buy their home, and that money is due by way of repayments with interest. This belief is pure fantasy and serves to enslave those subjected to the deception for the majority of their lives.
A mortgage, or in its proper French interpretation, a death pledge, is simply the granting of a legal charge upon a property title by a beneficiary upon payment in full by the settlor. Upon this legal charge there follows the repayments, none of which are due, hence the term death pledge.
Banks do not lend money, and those with so called mortgages do not borrow money. The credit agreement deposited by the settlor, the construed and purported borrower, is treated as cash by the agent bank as full payment and settlement for the property, the equitable use of the Title.
The banks have siphoned off trillions of pounds by way of unjust enrichment from unsuspecting beneficiaries upon the establishment of these products which are in fact express trusts. The bank has no right to repossess any property as an agent, nor are they due repayments. Repayments are simply payments made twice, they are not payments for an alleged debt.
This Ponzi scheme has been operated by the banking cartels since the inception of banking itself, it is a master stroke of deception that no politician, academic, so-called economist, bank employee, judge or legal so called professional comprehends, and this by default.
At Debt Less we do comprehend the deception, and take exceptional delight in exposing this heinous form of enslavement upon mankind in favour of the bankers who lend nothing, risk nothing, and take everything.
Securitisation is quite simply a procedure where credit agreements deposited by settlors, purported to be ‘borrowers’ are ‘monetised’ by a trustee under licence from the respective Central Bank.
Credit agreements are securities, and are treated as cash by the agent banks and Trustees, hence the term ‘securitisation’.
Credit agreements are also legal tender, instruments, promissory notes, settlement, payment and the trust res.
There is no loan from the bank to a borrower, the note is a deposit, it is the instrument which creates the so called ‘credit’ and establishes the express trust, the purported borrower becoming the beneficiary upon deposit.
This phenomenon is not comprehended by those that work for banks or act as their legal agents. What is further, no member of the Judiciary comprehends the issuance of fiat currency, and in ignorance believe the banks to be ‘lenders’.
A statutory audit provides a basic level of data and information with respect to the legal agent and trustees.
Statutory audits are recommended for less complex bankruptcy matters where litigation is required but without the full expense of a forensic report.
A forensic audit is a unique product which provides a full and detailed analysis upon the deception behind any financial product where a credit agreement has been signed.
A Debt Less DSAR is used to expose the relationship between the agents and trustees to the beneficiary.
No agent Bank or Trustee may comply with a Debt Less DSAR.
The Law of Property Act requires the security consortium to evidence with whom the data object’s data and information has been shared with. Compliance would reveal the underpinning express trust and lack of chose of any agent or Trustee.
A DSAR is therefore a vital tool for exposing the deceit and concealment presently enjoyed by all Banks in Her Majesty’s Courts.
The Law of Assignment is the governing legislation and fundamental principle that ties together the express trust that is every Banking product.
It is imperative assignment, and lack of chose thereof of any agent or trustee is proven in any litigation.
A trustee, or an agent to a trustee shall not be seen to benefit from a property as though a beneficiary.
No Bank has legal or equitable rights to repossess a property. No Bank has any right to repayments upon a non existent loan.
For a training upon how to form a repossession defence, or counterclaim to release any legal charge granted in error by the beneficiary, together with full repayment recovery, please contact us.
The Banking cartels have repossessed tens of thousands of properties through a complicit and totally oblivious Judiciary since the so called credit crunch of 2008.
When members of the Judiciary or so called legal professionals refer to a Bank as a ‘lender’, they exhibit the ultimate levels of financial ignorance. Banks are not lenders, they lend nothing and risk nothing.
No Bank had the right to repossess, or to a penny in repayments. Expose the Bank for what they are; an agent to a Trustee without a legal or equitable right to be in the Court in the first place.
The so called buy to let product is a loose canon for so called LPA or Law of Property Act receivers.
Companies that act as ‘receivers’ are simply agents without a chose who bypass the Courts and believe they have a right to do as they please. Ignorance and criminality are commonplace amongst these cartels and the legal firms who represent them.
LPA receivers may be dealt with by way of claims of disclosure to prove their lack of standing for any interference whatsoever with any property they purport to have rights upon.
Contact us for training details.
Legal charges are obtained by Solicitors when properties are purchased by a process known as ‘bait and switch’.
Upon full payment and settlement for the property by the deposit of the note by the settlor which is treated as cash by the Bank, the subsequent beneficiary is construed as a ‘borrower’ and deceived into granting an undated legal charge which is subsequently dated by the agent solicitor post exchange and registered at HM Land Registry.
The charge is obtained under the guise of being security for a ‘loan’. There is not greater lie in Banking. No conveyancing solicitor comprehends the deception at play, they are simply ignorant to how they too are being played by those who designed this criminal racket.
Once the beneficiary comprehends they have been duped into granting the needless charge, and making subsequent repayments, there exists the realisation of the death pledge, or ‘mortgage’.
Legal charge removal is an inevitable consequence for the agents who’ve enjoyed unjust enrichment at the expense of beneficiaries for centuries.
Repayment recovery is soon to become commonplace as people become aware of how they have been deceived and lied to by Banks, the legal system and those in the employ of HMCTS for decades.
Students may learn how to navigate the applicable legislation to obtain the results our members have achieved through training and mentorship.
It matters not in which country the student resides, the applicable legislation can be mirrored from that of England & Wales. The deception is the same, the lies are the same, but so is our training which exposes the lies and deceit propagated by the Banks.
LPA receivers are agents appointed by agent Banks to repossess property they have no rights to, together with unjustly enriching themselves upon fees and rent that are due to the beneficiary.
These companies commonly engage in criminal practices and are never brought to justice, we aim to put a stop to these criminals by exposing them and those that instruct them in litigation.
If you have suffered at the hands of an LPA receiver you may contact us for restitution upon your property and losses incurred.
Litigation against trustees, agents and LPA receivers requires careful planning and mentoring.
The knowledge held by Debt Less is simply not comprehended or available to the Judiciary, Solicitors, Barristers or Bank employees alike. These individuals believe what they are fed through so called ‘law’ school and their indoctrination through the education system.
The Judiciary will refer to a Bank as a ‘mortgage lender’. All legal so called professionals are totally oblivious to the express trust underpinning every banking product. They are oblivious to how currency is established, and oblivious to how Banking truly works, and this is no coincidence.
By training and education, these cartels can be defeated in their own Court systems by litigants in person who’ve received the relevant training and education.
Speak to our members freely on our Facebook group, share their experiences in Court, see the Court orders they have obtained following guidance upon the application of the relevant legislation that exposes the cartels for what they are; agents without a chose.
Case management is a reserved legal activity pursuant to the Legal Services Act 2007 and not undertaken by Debt Less LLC.
Therefore it is the sole responsibility of the student to adhere to any court directions, filing requirements, payment of court fees, timeframes and so forth.
We are not Solicitors, we are a training platform, and as such we do not perform any regulated activity such as representing students in court, attend to filing requirements, acting as McKenzie friends or lay representatives.
He or she who seeks equity, must do equity. In other words, one’s financial education and subsequent case management, is the responsibility of the individual.
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