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Who is the Holder of your Mortgage?

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Having sold on your mortgage (see below) the Bank is no longer the holder in due course of the void mortgage deed. Thus, the Bankster Boot Boy literally has no Right of Possession over your Mortgaged Home (or any other mortgaged property). None whatsoever.

How the City of London State and its lapdog UK Parliament are Guilty of Industrial-Scale Mortgage Fraud

I have written extensively about how every UK ‘mortgage’ is incurably void for want of compliance with the requirements of Sections 1 and 2 of the Law of Property (Miscellaneous Provisions) Act, 1989.

Not that this stopped a certain individual falsely asserting on my Facebook page that ‘we’ve known that mortgages are void for 20 years’.

The fact he has not even bothered to watch the film that blows apart the entire racket meant that I was not prepared to entertain his assertions. Indeed, why should I bother with such individuals who behave in the manner of all gobshites when they insist on placing their rhetoric before their grammar and logic?

The Divoc 91 fraud is huge but let us not forget the Great British Mortgage Swindle. After all, it is a swindle which goes back to the ‘Jewish’ money changers who were brought into the country as financiers to the Norman invasion of 1066. Forbidden to own land, said immigrant financial deceivers introduced their shetar as a means of acquiring wealth,

If we now scroll down through the centuries to this year, 2022, we find that the entirety of this millennium-old financial deception is nearing its inevitable collapse. I state this with confidence on the simple basis that the entire racket is literally built on the foundation of worthless pieces of paper: not so much a house of cards as a house of tissue paper.

The following information is incendiary in content – especially at a time when interest rates on mortgages are on the up to levels not seen for decades, further impoverishing an already-brow beaten populace.

The Bank is NOT the Holder-in-Due-Course (HIDC) of your mortgage.

The Elephant in the room is Securitisation – the bank has sold on your incurably void mortgage to a clutch of anonymous investors (pension funds, investment platforms and financial institutions of all hues) in the guise of Special Purpose Vehicles (SPV).  As Carmel Butler laid out in her evidence before the UK Parliament,

Why your mortgage company does not hold your mortgage.

During the course of the last 13 years of this battle for the truth about mortgage fraud committed by the UK banks it has become self-evident that the banks are breaking the law in order to enrich themselves. Both the mortgage deed and agreement/contract for a mortgage are illegal under the terms of parts on and two of the Law of Property (Miscellaneous Provisions) Act 1989.

Whilst this renders every UK mortgage null and void (fraud vitiates all), it does not stop the money changers trading the mortgage charges as financial ‘securities’ and accruing huge profits. Ultimately, this enrichment does not stop with the banks who operate on these shores but goes all the way to the Bank of England as demonstrated conclusively by a recently-leaked purported Deed of Trust made in its favour that has been granted to it by the ‘chargors’ (the licenced banks) – thus, it is the BOE that ultimately is condoning and profiteering from the invidious workings of the Great British Mortgage Swindle. More on this can be read at The Bernician, https://www.thebernician.net/how-the-bank-of-england-controls-profits-from-mortgage-fraud/

The Judges who preside over the rigged system in favour of the money changers will all tell you that securitisation is perfectly legal and, indeed, a common thing. However, they are full of shit. The facts are plain to state and it all flows out of the City of London.

Securitisation is the practice of bundling up into tranches of mortgage charges for sale by the alleged lender. The purported loan is converted into a marketable security which is offered for sale by way of the previously mentioned SPV.

Whilst this practise may be familiar to some, how many readers are aware of another subterfuge utilised by the banks called Rehypothecation?

Unlike the US, where the limit to rehypothecation is 140% of the loan amount, there is no limit whatsover in the UK which means the City of London is an attractive haven for those who engage in money changing. It is like a game of Pass the Parcel but when the music stops, who is the one left holding the note? Exactly who is the Holder in Due Course of the purported mortgage?

After all, only the holder of the ‘note’ can make a claim – financial or legal. The Bank has sold on the mortgage along with its Rights of Chose –

This industrial-scale fraud is, surprise, surprise, one that the Land Registry is complicit in.

Under section 27 of the Land Registry Act 2002, the Bank’s sale (securitisation, rehypothecation) must be registered as a disposition of the mortgage.

The consequence of this transfer of the mortgage to a new holder in due course (HIDC) is dependent upon a Trust Deed that is secured by the charging instrument (the Deed of Mortgage). Pursuant to which, the originating ‘lender’ no longer holds any financial or equitable interest and is left only in the role of a ‘bare or custodial trustee’. Under the role of which, they no longer have any right of possession to the property, in accord with the Trusts of Land and Appointment of Trustees Act 1996.

The Trust Deed must be registered at Companies House within 21 days.

Another point worth noting, and one which draws the Land Registry into the fraud is the fact that  the wholesale securitisation of UK mortgages by the banks MUST be registered as a disposition of a mortgage by way of transfer on the Land Register under the Land Registry Act 2002 section 27 in order that Stamp Duty be paid.

The failure to thus inform the Land Registry and the mortgagor of the transfer results in Stamp Duty being evaded by the false ‘lender’.

In simple terms,

What can I do about it?

1. For a start, join the GBMS class action:

2. Write to the alleged lender via a Data Subject Access Request (DSAR) for all the information it holds in relation to you and your mortgage account(s) – an open source template for which is included below.  (Please note: whilst it is offered freely, it would be greatly appreciated if a minimum of a fiver is offered as a donation in appreciation of the template).

Any reader who is seeking assistance in this matter is encouraged to get in touch via email to [email protected]

Who is the Holder of your Mortgage?


Source: https://tapnewswire.com/2022/11/who-is-the-holder-of-your-mortgage/


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