Home Secretary Receives Proposal For Tightening of UK Mortgage LawThu 10:17 am Europe/London, 6 Oct 2022
Home Secretary Receives Proposal The Tightening of UK Mortgage Law
First and foremost, please accept my sincere apologies for how long it has been since the last update on the TGBMS Class Actions we started back in the summer of 2019.
But as many, if not all of you, will already know, we have been engaged in other legal battles since the spring of 2020 [PCP update to follow in due course], which also coincided with the declaration of a moratorium on evictions [until the lockdown lunacy ended], following our proposal for such a moratorium to the Treasury Select Committee in November 2019, pending the outcome of the TGBMS Class Actions.
However, needless to say we were unrelenting in our TGBMS-related work behind the scenes throughout the entirety of COVID-1984 and since it ended last January we have made what can only be regarded as extraordinary and unprecedented progress towards ending institutionalized mortgage registration fraud on these shores.
For and on behalf of the Operation Meadow, Signature 703 and TGBMS claimants, we have thus far have achieved the following unprecedented results, without going anywhere near a court.
The TGBMS Grounds were recently approved as a valid defence to mortgage fraud by three senior members of the judiciary, along with the NOCA and Lien processes associated with them.
We were also commissioned by senior Privy Council members to apply to the Securities & Exchange Commission [SEC] in the US for whistle-blower protection, on the ground we have an abundance of evidence which proves that the UK banks have all been engaged in selling fraudulent UK mortgage packages to US companies, as well as using false documentation and forged signatures to steal homes and businesses from individuals and families, in order to cover up their offshore money laundering activities.
Lien processes have commenced against the failed UK regulators and the banks’ directors, following their abject failure to provide us with any material evidence that they have not conspired to commit serious financial crimes, in relation to which a Private Criminal Prosecution will soon be laid in a Magistrates Court.
This has led to the following formal proposal for the addition of a law-tightening schedule to the Law of Property (Miscellaneous Provisions) Act 1989 being forwarded as a briefing paper to the new Home Secretary.
FAO: HOME SECRETARY
NOTICE OF PROPOSAL OF STATUTORY AMENDMENT
IN RELATION TO ENDING UK MORTGAGE REGISTRATION FRAUD
Dear Ms Braverman,
We trust this missive finds you well.
1) Law Commission Report on the reasons behind and mechanics provided for in the Law of Property (Miscellaneous Provisions) Act 1989 [LPMPA 1989].
2) Execution of Deeds and Documents by or on behalf of Bodies Corporate by Law Commission.
3) Practice Guide 8: Execution of Deeds.
We hereby present our proposal for the settlement of our claims and complaints against the directors of Barclays, Lloyds and the rest of the UK banks, with a view to minimizing the need to issue legal proceedings and the entailed costs of setting right their long-established company polices in relation to the illegal registration of UK mortgages and the forgery of official documents.
1) The CEO of each bank must provide us with written, signed undertakings, for and on behalf of their directors, that they will add to the bank’s standard mortgage provisions the following stipulations, which must duly registered within 28 days:
No mortgage or charge or standard security shall be registered in the absence of a preceding contract that is signed by both the future chargee and chargor, containing all the terms and conditions; whilst no mortgage or charge or standard security deed can be executed before the right to do so arises with registration as legal proprietor of the property concerned in the respective registry; and the mortgage or charge or standard security deed must be dated before it can be signed by the mortgagor in the presence of an independent witness [who cannot be the conveyancing solicitor brokering the transaction] at the moment of execution.
2) The Home Secretary, under her inherent ministerial powers, has the power to add the following schedule to the Law of Property (Miscellaneous Provisions) Act 1989 in order to end this practice of institutionalised fraudulent mortgage registration and unlawful enforcement:
COMPULSORY STRICT COMPLIANCE FOR CHARGEES
Every UK mortgage, charge or standard security must strictly comply with the following provisions before it can be protected by registration:
a. No mortgage or charge or standard security shall be registered in the absence of a preceding written contract that is signed by both the future chargee and chargor, containing all the terms and conditions;
b. No mortgage or charge or standard security deed can be executed before the right to do so arises with registration as legal proprietor of the property concerned in the respective registry;
c. No mortgage or charge or standard security deed can be validly dated if that date is not the date it was signed by the chargor in the presence of an independent witness [who cannot be the conveyancing solicitor brokering the transaction] at the moment of execution.
d. No mortgage, charge or standard security can be legally enforced by any court in the absence of strict compliance with parts a – c of this schedule.
e. From the date this schedule takes legal effect, all UK mortgage [standard security] possession claims and warrants of eviction shall be struck out by the courts in the absence of strict compliance with parts a – c of this schedule.
3) A private securities account is required to deposit liens issued against the directors who fail to comply with our reasonable demands, for the purposes of creating the lines of credit required to settle the existing and future damages claims of injured customers.
In so doing, the bank involved would facilitate the paying out of compensation to the victims of institutionalised fraudulent mortgage registration, via an inexpensive non-judicial remedy in defence of institutionalised civil wrongdoings, without prejudice to the criminal cases against the same defendants.
Conversely, in the absence of that, the most likely result will be HM Treasury having to potentially cover the cost of every void mortgagor registered being indemnified for their losses under statute by the Chief Land Registrar and the Keeper of the Register for Scotland, who would then sue every bank director found to be liable for decades of fraudulent mortgage registration.
If you have any questions or queries, we would be delighted to address them by email.
In summary, what we are proposing is the addition of a schedule which will make it impossible for any mortgage, charge or standard security to be registered without strict compliance with sections 1 and 2 of the LPMPA 1989, the Companies Act 2006 and Practice Guide 8: Execution of Deeds.
We very much look forward to hearing your comments.
David Laity & Michael O’Bernicia
Finish Line In Sight
Whilst there is certainly no guarantee that we will soon see the proposed schedule to the LPMPA 1989 laid before Parliament, senior judges and government ministers are finally showing the will to end industrial scale mortgage registration fraud.
Granted, they would be added to the list of defendants alleged to have conspired to commit serious financial crimes in R [PUB] v Andrew Bailey & Others, in the event they fail to act upon the abundance of evidence of such crimes we have presented them with.
However, it would also be churlish to deny that the finish line is now in sight when our simple proposals have been met with no form of opposition, within a system that has previously been rigged to prevent judges ruling fraud against the banks and government ministers tightening the law of mortgages.
Nevertheless, in the event the Home Secretary simply amends the 1989 Act as proposed, more than three decades of fraudulent mortgage possession claims and evictions predicated on void and illegal court orders will come an abrupt and immediate end.
Next Steps For TGBMS Class Actions
If you have a registered UK mortgage, charge or standard security [or you’ve previously had one] that doesn’t comply with the statutory law of mortgages, you can subscribe to our mailing list and join the 1,000+ TGBMS Claimants by signing up at the links below:
Subscribe to the TGBMS Mailing List
We are also asking every claimant who has provided evidence of mortgage and signature fraud to Operation Meadow and Signature 703 to do the same, since we are bringing together the evidence amassed in each action into a central database and standardizing a non-judicial remedy which will be available to every illegally registered UK mortgage holder at zero cost.
Every TGBMS Claimant will receive free document templates for my long established Common Law Lien process, which takes 90 days to perfect, when it becomes an ‘account receivable’ that is capable of being exchanged for money or monies worth.
This process was sealed by the High Court in August 2010, when HHJ Kaye QC described the lien I served on former Bank of Scotland CEO, James Crosby, as perhaps the most powerful document he had ever had in evidence before him because it required no judicial authority to be legally enforceable under Common Law.
It must also be stressed that liens are treated in law as if they are equitable charges, which are capable of registration as legal charges against the personal property of the Lien Debtors, until such time that the losses they caused the Lien Creditors have been discharged in full.
Hence, the panic we have seen recently in the City of London, as those who have profited from the losses incurred by Britain’s void mortgagors desperately attempt in vain to avert the serious consequences of a myriad of financial wrongdoings.
Home Secretary Receives Proposal For Tightening of UK Mortgage Law