Your strawman is a non-living fiction which uses a name which can easily be confused with your name. However, please don't concern yourself about your strawman as it is only significant where there is Rule of Law and now, half way through 2018, I can't think of anywhere in the world where there is Rule of Law. There are two kinds of courts: Criminal Courts which have a jury and de facto courts which never have a jury. De facto courts are private, seldom pay any attention to the facts in a case, and always find in the favour of the rich and unscrupulous.
However, if you want the information which is no longer valid, then .....
This is a picture of "The Houses of Parliament" in London, England.
Let's have a little quiz: 1. Who meets there? 2. What do they do there? 3. Do they help you in any way?
If your answers were:
1. "Members of the government" 2. "They represent all the people living in the country" and 3. "Yes, they create laws to protect me and my family"
Then let me congratulate you on getting every one of the answers wrong.
Didn't do too well on that quiz? OK, let's have another go: 4. When was slavery abolished? 5. Was slavery legal? 6. Are you in debt to a financial institution?
Here are the answers: 1. The serving officers of a commercial company. 2. They think up ways to take money and goods from you. 3. No, absolutely not, they help themselves and not you. 4. Slavery has NEVER been abolished and you yourself, are considered to be a slave right now. 5. Yes, slavery is "legal" although it is not "lawful" (you need to discover the difference). 6. No. You are NOT in debt to any financial institution.
Does this seem a little strange to you? If it does, then read on:
THOSE IN POWER HAVE A BIG SECRET
Paying tax is OPTIONAL !!
Getting a licence is OPTIONAL !!
Registering a vehicle is OPTIONAL !!
Paying a fine is OPTIONAL !!
Attending a court is OPTIONAL !!
YOU CAN IF YOU WANT TO, BUT YOU DON'T HAVE TO
Surprised? Well - try this for size:
Every Mortgage and Loan is FULLY REPAID from day one - you can pay it again if you want to, but you don't have to !!
If nobody has told that you that you have a Strawman, then this could be a very interesting experience for you. Your Strawman was created when you were very young, far too young to know anything about it. But then, it was meant to be a secret as its purpose is to swindle you, and it has been used very effectively to do just that ever since it was created.
Perhaps it is about time that you learnt about your strawman and how you can stop it being used against you. Knowing about it is the most important first step. You need to go on a journey of discovery, and I'm afraid that what you are about to discover is not very pleasant. However, if you decide to act on what you learn, it could change your life for the better. If you think that you are in debt, then you can get out of it if you are willing to stand up for your rights and refuse to be swindled any longer. Interested? If so, then let's start at the beginning and find out where your strawman came from and why you should care about it.
It all started when your parents had a happy event and you entered the world. You don't know exactly when that was, because you were not aware of the days of the week, the months of the year or even what year it was.
Even after some months had gone by, you still were not aware of these things, but by that time, your strawman had already been created and it was being used to make some very unscrupulous people rich. None of this was your fault. It happened because your parents were fooled into thinking that they needed to register your birth and get a birth certificate for you. So, they APPLIED for a birth certificate, not understanding what would happen when they did. Well then, what did happen? According to the Local Authority:
1. They lost ownership of their baby (you). 2. They allowed a strawman to be created.
This is not something which they can be blamed for, as nobody told them it would, or even could, happen. Nor did anybody tell them what a strawman is or how it can be used against their baby. In actual fact, the “registration” is a contract and in reality, it is null and void because there was not full disclosure by the Local Authority, nor was there ‘intent to contract’ on the part of the parents.
Tricia corrects this information, stating that in America: “There is no “application” for a Birth Certificate. The State creates one no matter what, with or without any parent providing information. The paper on which they provide information is called an information sheet, not an application. The parent signs only as informant, not as any applicant. The baby is not registered at all. Only the birth event is registered which is the birthing of the new fictitious entity Name being created by the State.
The State then issues you a certified COPY of the original which the State keeps as legal title to that fictitious entity Name. You merely USE the State owned legal “person” to conduct any commerce within the State regulated legal system of commerce, all of which is just fiction. Even when the parent signed as informant, that was not their signature they signed, but the signature for the fiction Name the State owns and created after they were born.
Everyone who has a copy of the birth certificate is authorised by the State to USE the State property Name and authorised to sign that Name FOR that Name. Everything you USE that Name for is all liability of the State. It is their property. They hold original legal title to it. The only reason everyone has problems from using that Name is only because they BELIEVE that is their property. So they make CLAIMS to that Name because of merely BELIEVING that is their property which is actually a false claim they make against State owned property.
Any time a CLAIM is made in any court that claim MUST be bonded or insured. So your CLAIM becomes your CONSENT where you pledge your body and/or property as your bond/insurance as surety against your CLAIM. When you lose they take your body and put it in jail while their bond created cures or they take your property to pay your loss in court for YOUR claim which you made!
If you use their property Name properly and do not claim it or anything registered in that Name, then they have no consent from you and no claim by you and the State then must settle any claim against their property Name. It is as simple as that…. Any time a names has a Last Name included that is a fiction name. There is no last name for living men or women, ONLY a given name, first-middle. So unless there is ONLY a first-middle name where NO last name exists at all, then the name is not for a man or woman. It does not matter how it spelled at all. It only matters whether it includes a last name or not. That is what the difference between a name for a living being and a fiction name. You will not find a Birth Certificate that does not have a Last Name. …
In fact, no name can BE the human. The human can only be CALLED BY a name. James is the name the human would be called by. There is no last name attached. The only way to properly refer to a human by a name is where you would have write, the man called by James. Man is man and woman is woman no matter what. Man is not James. Woman is not Jane. Man is only called by James and woman is only called by Jane.
James Martin or Jane Martin is fiction and has nothing at all to do with a living man or woman …. Of course, when one actually KNOWS THYSELF, then they know all those codes and statutes and their definitions are not important at all because they know none of it applies to them anyway. They don’t even volunteer any more as a participant to that fictitious Law Society because they know that it has nothing to do with them and they are not a party to it.” See YouTube which explains this. There is a good video on birth certificates here.
So, what is a strawman? A strawman is a fictitious legal entity, created with the hope that as the child grows up, he will be fooled into believing that he is actually the strawman (which he most definitely is not) and pay all sorts of imaginary costs and liabilities which get attached to the strawman by con artists.
How is a strawman created? Well the mechanism involves that unnecessary birth certificate which the parents imagine is about, and belongs to, their baby (neither of which is actually true). If the baby has been named James and the family name is Martin, then you would expect the birth certificate to have the name James Martin written on it. If that is what is written on it, then all is well and it is a genuine birth certificate. However, if any other name is there, then the document is not a birth certificate but instead is the creation of a strawman masquerading as James Martin. The alternative entries might be any of the following examples: "JAMES MARTIN", "Mr James Martin", "Martin, Mr James" or anything else which is not exactly "James Martin" and nothing else.
Why create a strawman?The answer is 'in order to charge the strawman imaginary costs and penalties and fool the human James Martin into paying those amounts'. These imaginary charges include 'Income Tax', 'Council Tax', 'Inheritance Tax', 'Capital-Gains Tax', 'Road Tax', 'Import Tax', 'Value-Added Tax', 'Fuel Levy', 'Loan Interest', 'Bank Charges' and anything else that full-time professionals can think up and are confident that you will not notice that you never agreed to pay and don't need to pay. Video.
Legalese is a secret language invented to trick you. It uses English words but attaches secret meanings to those words with the sole intention of stopping you believing that what they are saying to you has nothing to do with the normal meaning in the English language. Their purpose is to cheat you and rob you.
For example, they will say to you "Do you understand?" . In English, that means "Do you comprehend what I am saying to you?" and the automatic response would be "Yes", meaning "I do comprehend what you are saying to me". But these sneaky, underhand people have changed the meaning in Legalese to mean "Do you stand under me?" meaning "Do you grant me authority over you so that you have to obey whatever I tell you to do?".
What makes it even worse, is the fact that they will never tell you that they have switched from English to Legalese, and if that is not dishonest, underhand and unscrupulous, then I don't know what is! If you answer the question believing that English is being spoken, then they pretend that you are contracting with them to become subordinate to them. Whether or not that is actually true is debatable because that is effectively a verbal contract between you and them and for any contract to be valid, there has to be full and open disclosure of all of the terms of the contract, and then, unreserved acceptance by both parties, and in these cases, that has most definitely, not occurred.
But what is the point in all this? Well, this manoeuvre is intended to trick you into agreeing to represent your strawman. Why? Aaah now, that is a good question, but to answer it takes a bit of explaining, and you need to understand the overall situation:
All humans are born equal, with complete freedom of choice and action. If you live in the same place as a lot of other people, then there are a few restrictions which have grown up, by common consent, over time. These restrictions are for your protection and the protection of the other people living near you. These restrictions are called "the Law" (or more accurately: "Common Law") and they are few in number and very easy to understand. They are:
You must not injure or kill anyone. You must not steal or damage things owned by somebody else. You must be honest in your dealings and not swindle anyone.
These have resulted from hundreds of years of disputes which have been dealt with through using common sense and the opinions of ordinary people. They are the only limitations on you, and if you don't want to abide by them, then you need to go to some isolated place and stay away from other people.
Many people think that there are hundreds of other laws which they have to keep (and new ones every other day), but that is not so. Those other things are called "statutes" and keeping them is optional for you, the human, BUT they are not optional for your fictitious strawman, and that is why the people who benefit from those things want to persuade you to represent your strawman and so become subject to all of their invented restrictions and charges.
If you knew that they were optional, would you agree to:
Give most of your earnings away in taxes and similar charges?
Pay to own a vehicle?
Pay to own a television set?
Pay to drive on roads which were built with your money?
Be forced to join armed services if you are told to?
Send an army which is supposed to represent you, into another country to murder innocent people there?
Were you ever told that these things are optional? If you agree to represent your strawman, then these things become binding on you. These are some of the "statutes" which 'politicians' keep inventing in order to make you poor, make them and their friends rich, and keep you in a position where you have to do everything they say, no matter how much that harms you and does away with your natural rights and freedom.
But, says somebody, we elect a government to represent us and so we have to do what they say, after all, they have our best interests at heart don't they?
Well, that is a nice thought, but is it actually true? No it isn't. You think that you elect politicians to represent you in your government, but that is not what you actually do. That is part of a very carefully fostered illusion intended to keep you in your place and giving most of your earnings away (typically, 80% of all you earn). Part of the secretis that what is supposed to be your 'government' is actually a privately owned, for-profit company and all that you do when voting, is help choose the serving officers inside that company. It will never make the slightest difference to what happens in the future as the company policy and actions are controlled by the owners of the company and they are not influenced in any way whatsoever by what you want.
Think this is far fetched? Then check it out via Dun & Bradstreet or any of the other places which records the setting up and performance of the 160,000,000 commercial companies world-wide. When you do that, you will discover that, for example, the House of Commonsis a commercial for-profit company (number UC2279443), The Labour Partyis a commercial company which trades under the name of “Alistair Darling MP”, The House of Lordswhich is the highest court in the land is a private company, the United Kingdom Corporation Ltd.formerly known as the “United Kingdom plc” and which never complied with the law which requires it to file it's financial records, is also a private company. The Ministry of JusticeD-U-N-S Number 22-549-8526, Directors: Lord Falconer of Thoroton is a private company set up in the year 1600. The Bank of Englandis a private company, as is every Court and every Police Forceand even the Secretary of State for Trade and Industryis a company and not a person.
It gets even more ridiculous when you discover that The Devon and Cornwall Policeis a company which has been taken over by a company owned by IBM which is paid an annual budget of £256,800,000 taken from members of the public. Gilbert and Sullivan would have loved this reality as a script for one of their comedies. Lancashire County Councilwas incorporated as a company (IP00666C) in 2002. It’s registered office was "3rd Floor, Christ Church Precinct, County Hall, Preston" and it was completely dissolved on 25th January 2008 and all of it’s Assets and Liabilities were transferred on 12th November 2007 to another company - “The Blues and Twos Credit Union Ltd.” whose registered address is Lancashire Police Headquarters, PO Box 77, Hutton, Preston. Do you by any chance get the feeling that you are being taken for a ride here?
Just in case you are not aware of it, the purpose of any commercial 'for-profit' company or corporation is to make money for it's owners (and shareholders if there are any). The people whom you think of as 'The Government' don't do anything which earns money - instead, they take money from you and their main job is to make sure that you don't realise that they are in the same position as IBM which takes away a cool £256 million of your money every year."
So, why all the pretence of there being a genuine government which you elect and who serve you? They don't want you to understand that they are just running a company which produces nothing of any worth - something like a betting shop, where almost every customer loses money - and wake up to the fact that, unlike what you have been told all your life, this is all optional and you don't need to play their rip-off game any longer unless you want to.
They want you to be so burdened down with paying them
money and working so hard and so long that you don't have the time, money or energy to stop and think about what is happening to you and your family.
They are desperate to stop you from just walking away from their scam, and so they make every effort to connect you with the fiction which is your strawman because fictitious entities like commercial companies can't have any dealing with a real man or a real woman - they can only deal with another fiction like your strawman, and it is essential that they fool you into believing that you have to act on behalf of your strawman - which you don't.
They have a number of well-proven methods of distracting you and keeping you from finding out.
They want you to see a great deal of entertainment, not because there is anything wrong with entertainment, but while you are watching it you will not be asking awkward questions. Also, they are very careful that most entertainment reinforces their make-believe world and makes it appear to be "the real world" where everyone is under 'The Government', Police Officers uphold the law, taxes are essential in order to keep things going and things which are said to be bad for you, are taxed heavily (not to make money) but supposedly, to encourage you to avoid those things.
They also have another very effective technique, and that is fear. They want you to be afraid.
Afraid of imaginary terrorists. Afraid of disasters. Afraid of new diseases. Afraid of foreign countries. Afraid of "the economy" doing badly and inflation rising. If you doubt this, then take a look at the news and count the number of positive, uplifting news items, and the number of negative or depressing news items. It doesn't take much in the way of research to see the very heavy negative bias in the news. The reason behind this is to make you feel that you need a government and an army to protect you from these supposed dangers. It is easy to keep the news items biased that way, because all of the major news agencies and media outlets in the world are owned by only five or six privately owned commercial companies.
So to supposedly connect you to the strawman which they created for you when your birth was registered, they use the Legalese technique of conning you with the Name of the strawman. If you are ill-advised enough to go to a Court (which is a Corporate place of Business) as the accused, you will be asked to confirm your name, quoting the full name shown on your birth certificate, which is the LEGAL PERSONALITY. Titles such as Mr, Dr, Lord, PC, QC, or whatever are not asked for as they are not required. The “Accused” is actually the LEGAL PERSONALITY which is the name on the birth certificate, so when they ask for the person’s NAME, they are talking to the LEGAL PERSONALITY and not the human. This is because a human cannot exist in the legal world - only pieces of paper can, and that is something which they are very careful not to tell you.
This is a really key issue. Natural Law and Common Law are the only laws which apply to humans and they deal only with harming other people or causing them loss, and outside of those restrictions, a human has free and unlimited entitlement to do anything he chooses which complies with these principles. As opposed to this, Acts of Parliament, “Statutes” and Statutory Instruments “Contracts” do not apply to the human but only to the piece of paper which is the LEGAL PERSONALITY and which has no reality. As the legal fiction of the LEGAL PERSONALITY was created by the company called “the United Kingdom Corporation”, it is that company which gets to say what the rights and duties are for that piece of paper.
When a person is born in Britain, the mother and father submit a Birth Certificate Registration Form, which is a piece of paper. There is no requirement under common law to do this. When any limited company or corporation is set up, there is always a Certificate of Registration in order to create it’s LEGAL PERSONALITY and that is a piece of paper. Please note that a British Birth Certificate states quite clearly that it is not evidence of identity, that means that, it has nothing to do with any human. Marked on it is “Crown Copyright” showing clearly that it does not belong to an individual and was created by the crown. This act of Registering a child, makes that child a “ward of the court” and the child can be taken away from the parents at any time. The Legalese definitions of words which sound commonplace, can be found in Black's Law Dictionary and the current edition is the eighth.
Another trick they try to play on you is to imply that a Summons is something which you MUST obey while in fact, it is only an Invitation to attend their place of business. They are NOT inviting you, the man, but instead, they are inviting a LEGAL PERSONALITY to their place of business, and please note that there is a CHOICE as it is only an invitation. The LEGAL PERSONALITY is just a piece of paper, a BIRTH CERTIFICATE created by the commercial company called "The United Kingdom Corporation" and it is not the human. You can’t be forced into a contract, so they have to deceive you into entering into one without understanding what you are doing. They are using deception as every Magistrates Court is a trading name of the commercial company called “The Ministry of Justice” D-U-N-S Number 22-549-8526 which does not have a Parent Company listed meaning that it is a Parent Company itself. Legal people on being shown this company registration, responded by saying that if this information is genuine (which it is), then the UK has been lawless for more than 400 years because the whole Justice System is being dealt with by a commercial company.
Going to court in connection with anycivil action, is a very bad idea as the only function of a court is to judge between two parties who disagree and then penalise the loser. The court doesn't care who wins or loses, and the objective of the court is to make a profit for it's owners as it is a commercial enterprise and it's purpose is to acquire money from anybody who is fool enough to attend. If you look at the Summons (which is really an invitation) to go to court, you will see that it is not in your name, but in the name of the strawman which they are hoping to fool you into representing.
Dealing With "Debt" Because of the very high percentage of the money earned
being taken away from the average person, it is not unusual
for people to end up with what looks like "debt". Most people spend their time worrying over the statement of what they are told they owe, and do endless calculations to see if they agree with the numbers which they have been sent. Again, this is the sort of misdirection which magicians use to fool audiences, distracting their attention away from where the action is really taking place. Here, the question is really not "How much is owed?" but instead it is "Is anything actually owed?".
You need to remember that any financial institution is a legal fiction and does not actually exist. As a result of this, it can only deal with other legal fictions (essentially, other pieces of paper) and it can't have any dealings with a man or a woman as they are not legal fictions. It is also important to understand what passes for money nowadays. Let's say our trusty friend James Martin goes looking for a loan and he fills in an application form with the Swindle Bank Limited for £10,000. Interestingly, the form which he is asked to sign, says that he has already received the £10,000 although the loan has not yet been approved.
The next day, the loan is approved and James is handed a cheque which he is asked to sign and lodge to his account with the bank. We won't follow up on that very interesting procedure at this time, but please remember that he has now provided two signatures for £10,000 in the strawman name, and all he has received is a 1 and four zeros in the accounts of the Swindle Bank Limited.
All goes well for several months until James loses his job and does not manage to get another one. This is financial trouble which he does not know how to deal with. Time goes by and James has not had sufficient money to make payments against his loan from the Swindle Bank Limited. He starts getting letters from the bank saying that he must pay the arrears immediately and keep up with the payments in future. There is not the slightest chance of that happening as James just does not have the money and he does not know what to do.
Fortunately, Peter, the next door neighbour of James happens to be an independent financial advisor with years of experience, and James has the brainwave of asking him for help. Peter is willing to help and so he sits down and goes through all of the paperwork. Then he tells James: "You must not ignore this situation. Write back immediately and say that you agree to pay any financial obligation which you might lawfully owe, ON CONDITION that they:
1. Provide validation of the debt, that is, the actual accounting. 2. Verification of their claim against you, that is, a signed Invoice. 3. A copy of the Contract binding both parties (you and them), and send that letter by recorded delivery so that there is an independent witness to it having been delivered."
Every letter you write should be marked clearly "Without Prejudice" which means that you reserve all your lawful rights and accept no contract unless it is shown to be lawful by meeting the four conditions essential to a lawful, binding contract, namely:
Full Disclosure (you were not told that you were actually creating the credit with your signature)
Equal Consideration (they brought nothing of value to the table and so have nothing to lose)
Lawful Terms and Conditions (yours were actually based on fraud), and
The signatures of both parties (corporations can't sign because they have no Right or Mind to contract since they are soul-less legal fictions, and no third party can sign a contract on their behalf)
Peter then tells James that agreeing to pay, provided that evidence of a lawful debt can be produced, stops him being taken to court because courts only adjudicate between parties who are in dispute, and as James has agreed to pay, there is no dispute, so the court would not accept any application for a hearing. If the Swindle Bank were foolish enough to try, James has only to send the court a copy of his letter agreeing to pay and the case would be thrown out immediately (and the Bank might well be penalised for wasting court time).
The bank is now in trouble as it has been running a con game on James and so can't produce the documents for which James has asked. The request by James was reasonable in every respect. However, a loan agreement is a contract and so there has to be full disclosure of all the details (which there wasn't), both sides have to put up something of equal worth (which didn't happen) and the contract has to be signed by both parties (which the bank can't do). So, the bank has a real problem.
The bank will probably send a Statement of what it wants James to believe is the outstanding amount. James should return this with a polite note saying that a Statement is not an Invoice, so would they please provide a signed Invoice as requested. They will also probably send a photocopy of his Loan Application form, at which point James should write back and point out politely that it does not constitute a contract as it is only signed by one of the parties (himself) and he has asked for a copy of the Contract signed by both parties.
The bank is likely to go silent at this point and stop corresponding with James. James should then write again, requesting that the necessary documents be sent to him within the next fourteen (or perhaps 28) days, and if that does not happen, then he will consider the debt to be fully discharged.
The bank will either remain silent or write back to say that the debt is fully discharged. If the bank tries phoning, then just tell them politely that you only wish to deal with this matter in writing, and ring off. If the bank remains silent for the stated period, then James should write back stating that due to the bank's failure to provide the necessary evidence of a lawful debt within the reasonable time provided, that James now considers that the debt is fully discharged and ask the bank to confirm that in writing. The bank will normally write back confirming that the debt is fully discharged and that there is nothing owing and if it does not do that, then it will just stop asking for any further payments.
The reasons for how and why this takes place, takes a good deal of explaining and many people find it difficult to understand. So, it is covered in detail here. Many people think that this process sounds like you ripping off the bank, but this is definitely not the case.
What is money?
Originally in England, the unit of money was called "one pound sterling". That was because it was literally, sterling silver a weighing one pound. As it was quite difficult to carry several pounds weight of currency round with you, it was arranged that the actual silver could be held in a bank and a promissory note which was essentially, a receipt for the deposit of each pound of silver, was issued. It was much easier to carry these "bank notes" around and to do business with them. If you wanted to, you could always take these notes to a bank and ask for them to be cashed, and what happened then was that the bank would hand you the equivalent weight of sterling silver in exchange for the notes.
Today, the currency in England is still "bank notes" which are certainly easier to carry around, but there is one very important difference. These notes are issued by the private company called "The Bank of England" (which is as good a name for a company as any other name). However, if you were to take one of their bank notes to the premises of that company and ask for it to be cashed, all that they would do is give you another note with the same number of pounds written on it, or alternatively, some other notes with smaller numbers printed on them. This is because, unlike the original bank notes, there is nothing of any physical value backing up the bank notes of today - they are only worth the physical paper on which they are printed.
It actually gets worse than that. What happens most commonly nowadays is that they do not even bother printing those pieces of paper. Now, they just tap some numbers into a computer record, or if they are old-fashioned enough, they write the numbers into a ledger. What do those numbers represent? Nothing at all - they have no actual value, in other words, just as much value as if you typed them into your own computer - quite meaningless. And yet, a bank or other financial institution will merrily "lend" you those numbers in return for years of your work - now isn't that really generous of them?
Actually, this is not at all funny, because if you don't keep paying them money earned by your very real work, then they will attempt to take your house and possessions away from you. This won't happen if you understand that what they lent you was actually valueless. Take the case of Jerome Daly of Minnesota in America. In court, Jerome challenged the right of the bank to foreclose on his home which had been purchased with a loan from the bank. Jerome argued that any mortgage contract required that both parties (that is, himself and the bank), to put up a legitimate form of property for the exchange. In legal language, that is called a legitimate "consideration" put forward by both parties to the contract.
Jerome explained that the "money" was in fact, not the property of the bank as it had been created out of nothing as soon as the loan agreement was signed. That is, the money does not come out of the bank's existing assets as the bank is simply inventing it and in reality, the bank is putting up nothing of it's own, except for a theoretical liability on paper. As the court case progressed, the President of the bank, Mr Morgan, took the stand and admitted that the bank, in combination with the (privately owned commercial company called) "The Federal Reserve Bank", created the entire amount of the loan in credit in it's own books by means of a bookkeeping entry, the money and credit coming into existence when they created it. Further, Mr Morgan admitted that no United States Law or Statute existed which gave him the right to do this. A lawful consideration must exist and must be tendered to support the loan agreement. The jury found that there had been no lawful consideration put forward by the bank and so the court rejected the bank's application for foreclosure and Jerome Daly kept his home.
That is exactly the situation with all British mortgages. When someone makes an application for a mortgage or any other loan, the applicant's signature is required on the application form before the loan is approved. That signed application is a valuable piece of paper which the bank can lodge in it's accounts as a credit to the bank for the amount of the loan. The bank could just keep that application form and stay £100,000 or whatever, ahead, but they want more, much more. They want the borrower to pay them that same amount again, funding it by years of work, and not only the amount of the supposed "loan" but significant extra in interest. Why do you think that they are so keen to lend you "money" - they are even willing to lend to people with very poor credit records as there is no way that the bank can lose out on the deal, no matter what happens.
This is why, if a company starts demanding payment of large sums of money, you start by asking them to provide the "accounting" for the deal. In other words, you are asking them to show in writing that they provided something of genuine worth as their side of the loan contract. As they invented the money as numbers in their books with no real worth attached to those numbers, they are in deep trouble as they can't comply with your demand to see their accounting for the deal. Did you ever wonder how the average bank manages to make hundreds of millions of pounds profit every year? Well, you are looking right at where a large chunk of it comes from.
This next part of the information may be a little difficult to understand. When any business is being run, the accounts are recorded as money coming in and money going out. For a bank, the money coming in is called a "Credit" and money going out is called a "Debit". The objective is to have these two amounts match each other for any customer. Not everything done in banking is immediately obvious to the average person and so it may be a little difficult to understand how everything works in this area.
If you have an account with a bank and you deposit £500 to open the account, the bank enters that in it's books as a Credit. The Credit on your account is £500 and the Debit is £0 and so the balance has a positive, or Credit value of £500.
If you were to withdraw £600, then the bank would record this as a Debit of £600 and as the Credit balance on your account is £500, the balance on your account would be £100 in Debit, that is, overdrawn by £100.
If you were to lodge a further £100 and then close your account, the bank would not have any problem, other than the fact that they would like to keep you on as a customer. As far as the accounting goes, your account is balanced and the bank is satisfied with the state of affairs, £600 has come in and £600 has gone out, the books balance - case closed.
Now, if you were to apply for a loan (mortgage or otherwise) for £100,000 from the bank, they would give you an application form which is set out in such a way that you have to fill in the strawman's name rather than your own - separate boxes with one of them containing "Mr" and they may even require you to fill the form in using block capitals. You may think that the capitals are so that they can read you writing or perhaps, to make it easier for it to be entered into a computer, but the name in those capital letters belongs to the strawman and not to you. You have actually just made an application on behalf of the strawman and not on behalf of yourself!
You might wonder why they would want to do that. After all, what could they ever get from the strawman? Well, you might be surprised. When the strawman was incorporated they assigned a large monetary value to it, possibly £100,000,000 and they have been trading on the stock market on behalf of the strawman ever since, and you know how many years that has been. So, very surprisingly, in their opinion, the little fellow is really very rich, and you have just authorised them to take the amount of your loan application from the strawman's account. So before the bank passes you any money, it has already got it's money from the strawman account and entered it in it's books as a £100,000 Credit to your loan account. They then place £100,000 into your loan account as a Debit. Interestingly, that loan account is now balanced and could easily be closed off as a completed deal.
This is where the sneaky part comes in. To get the money out of your account, you have to write and sign a cheque for £100,000 on that account. What does the bank do with cheques which you sign? It assigns them to the account as an asset of the bank, and suddenly, the bank is ahead by £100,000 because the cheque is in the name of the strawman who can supply the bank with almost any amount of money. But it doesn't end there, as the bank is confident that you know so little about what is going on that you will pay them anything up to £100,000 over the years, against what you believe you owe them! If that happens, then they have made yet another £100,000 for the bank. To make things even better for them, they want you to pay them interest on the money which you (don't actually) owe them. Overall, they make a great deal of money when you borrow from them, so perhaps you can see now why banks make hundreds of millions in profit each year.
If the loan was used to buy a property, then the bank probably insisted that you lodged the title deeds with them as soon as the property deal was completed. If you then fail to keep paying them, they are likely to attempt to foreclose on the "loan" and sell your property quickly for an even greater profit. And to add insult to injury, if the property sale did not exceed the amount of the "loan" plus the charges for selling it, then they are likely to claim that you owe them the difference!
Perhaps you can now see why Jerome Daly told them to go take a running jump at themselves, and why your asking for "the accounting" for any loan made to you, puts the bank in an impossible situation. If the bank then just writes and says that the "debt" is fully discharged, they still have made a massive profit on the operation and they also hope that the vast majority of customers will not catch on to the fact that they are paying far too much or even that there is a strawman involved.
Please don't feel that you are ripping the banks off if you don't pay them what they are asking you to pay - they have already recovered everything paid out before you start paying them for the second or third time.
John Samphier (http://i-uv.com/removing-the-veil/) states: “I personally have a Social Security number and an Australian Birth Certificate number and a strawman bond under both. In one I have 577 million U.S. Dollars and in the other just over one billion. If you search for your information it is important to enter your numbers correctly otherwise it will not recognise them. You must enter the in 3 numerals and then a space and the last as 2, 3 or 4 to open the bond. Then scroll down the page until you come to Search and log in to find the total value. Spending on the bond there may have two search buttons. Check both to find the value”.
When it is a Mortgage, the entire process is very much the same. The Debt-Free Sovereign website gives a very clear description of the process in Canada, and the process everywhere else is much the same. They describe a typical property sale and mortgage this way:
The buyer goes to Magic Bank in response to the bank's claim that it is in the business of lending money in accordance to its corporate charter. The buyer went to the bank believing that Magic Bank had the asset (money) to lend. Magic Bank never tells its customers the truth that it does not have any money to lend, nor that Magic Bank is not permitted to use their depositors' money to lend to its borrowers.
Notwithstanding the fact that Magic Bank does not have any money to lend, Magic Bank makes the buyer/borrower sign a mortgage loan application form which is essentially a promissory note that the buyer/borrower promises to pay Magic Bank for the money (what money?) which he is supposed to receive from Magic Bank even before any value or consideration is received by the buyer/borrower from Magic Bank. This promissory note is a valuable consideration, a receivable and therefore an asset transferred from the buyer to the bank which Magic Bank enters into its own asset account as a cash deposit.
After making sure that the buyer has the ability to pay the required monthly payments (the buyer has credit), Magic Bank agrees to lend the buyer the money (cash) to pay the seller. Magic Bank has no money to lend but it gave the buyer a promise to lend money by way of a commitment letter, loan approval letter, loan authorisation or loan confirmation letter, etc., signed by a bank official or loans/mortgage officer employed by Magic Bank.
Magic Bank's acceptance of the buyer's promissory note made the bank liable to the buyer/borrower for the full face value of the promissory note which is the agreed purchase price of the property, less any cash deposit or down payment money paid by the buyer directly to the seller. It is important to note at this point that all real estate transactions require that the property being sold must be conveyed by the seller to the buyer free of all liens and encumbrances which means that all liens such as existing mortgages, judgments, etc. must be paid before the property can be mortgaged by the buyer as collateral to the mortgage loan which is yet to be received by the buyer pursuant the promise made by Magic Bank. How can the seller pay off his mortgage and obtain clear title if he has not yet received any money from the buyer? And how can the buyer mortgage a property that does not yet belong to him?
This dilemma is solved using Magic Bank's magic tricks. Magic Bank, in concert with other magicians, the bank's lawyers or notaries, causes all the liens and encumbrances to magically disappear by using a cheque drawn in the name of Magic Bank backed by the buyer's promissory note and the agreement of purchase and sale. This cheque is deposited into the lawyer's trust account. In essence, Magic Bank and it's magicians, the lawyers and notaries used the buyer's promissory note as the cash to enable the purchase agreement. It was the buyer's promissory note that made the conveyancing possible. Magic Bank caused the property to be conveyed to the buyer from the seller clear title, free and clear of all liens and encumbrances. The property now belongs to the buyer which makes it possible for the buyer to mortgage the property to Magic Bank. The buyer paid for it using his own promissory note.
At this point, the seller has not yet received any money or cash so Magic Bank and it's magicians must perform more magic in order to satisfy the seller's requirement that he must get paid or the whole deal is null and void. The seller does not even know that the property had been magically conveyed to the buyer's name in order for the seller to receive any money.
The ensuing magic trick is accomplished this way. The buyer is made to sign another promissory note. The mortgage contract is attached to the bottom of the promissory note which makes the buyer liable to pay Magic Bank for the money or the loan which the buyer has not yet or will never receive for up to twenty five years or more depending on the term of the mortgage contract. This note is linked to the collateral through the mortgage contract and as such, it is valuable to Magic Bank.
Magic Bank then goes to Bank of Canada or to another bank through it's accomplice, the Canadian Payment Association to pledge the deal that they have just got from the buyer for credit. Bank of Canada then gives Magic Bank the "credit". Remember, it is not Magic Bank's credit, it was the buyer's credit who promised to pay Magic Bank if and when the money is received by the buyer from Magic Bank, payable for up to 25 years or more.
Note: What happened above is basically a "swap", a transaction all banks do to 'monetise' security. In this case, the second promissory note that is linked to the mortgage contract and signed by the buyer is a mortgage-backed security.
Magic Bank will then agree to pay Bank of Canada a certain percentage of interest over "prime". Thus the buyer's loan package goes to Bank of Canada which credits Magic Bank with the full amount of credit which is the total amount of the money Magic Bank is entitled to receive after 25 years which is the amount of the principal plus all the interest payments the buyer has promised to pay to Magic Bank for 25 years or more which is usually three times the amount of the money promised by Magic Bank to the buyer. By magic, Magic Bank just enriched itself and got paid in advance, without using or risking it's own money.
Magic Bank's magician, the lawyer who holds the cheque that is backed by the buyer's original promissory note, then writes a cheque to the seller as payment for the property. In effect, the buyer paid the seller with his own money by virtue of the fact that it was the buyer's own money (the promissory note) that made the purchase and sale possible. Magic Bank just made a cool 300% profit without using or risking any capital of its own. Neither was there any depositor's money deducted from Magic Bank's asset account in this transaction.
What really happened was pure deception and if we the people tried to do this, we would end up in prison being found guilty of fraud and criminal conversion not to mention that the property would have been seized by the court.
This is only a crime if we, the people, do it to each other, as it would be an indictable crime if we issue a cheque with no funds. There would not be any deal, no purchase and sale agreement because there is no valuable consideration. In order to decriminalise the transaction, we need Magic Bank and their cohorts to make the deal happen. It is really a conspiracy of sorts but these "persons", the banks, the lawyers, the land title offices or even the courts do not consider the transaction as fraudulent transactions because these transactions happen all the time.
Such a contract is "void ab-initio" or "void from the beginning" which meant that the contract never took place in the first place. Moreover, the good faith and fair dealing requirement through full disclosure is non-existent which further voids the contract. Magic Bank failed to disclose to the buyer that it will not be giving the buyer any valuable consideration and taking interest back as additional benefit to unjustly enrich the corporation. Magic Bank also failed to disclose how much profit they are going to make on the deal.
Magic Bank led the buyer to believe that the money going to the seller would be coming from its own asset account. They lied because they knew, or ought to have known, that their own book or ledger would show that Magic Bank does not have any money to lend and that their records will show that no such loan transaction ever took place. Their own book will show that there would be no debits from Magic Bank's asset account at all and all that would show up are the two entries made when the buyer gave Magic Bank the first collateral or the promissory note which enabled Magic Bank to cut a cheque which made it possible to convey the property from seller to the buyer free and clear of all liens or encumbrances as required by the agreement of purchase and sale entered into in writing between the buyer and the seller. What really happened was not magic; in reality, the buyer's promissory note was used by Magic Bank and it's magicians - the lawyers and land title clerks, to convey free title to the buyer from the seller. So why do we need the mortgage contract?
The other entry that would show up when we audit Magic Bank's accounts, is the other pledge of collateral including the buyer's promissory note which was converted (unlawfully and without disclosure or permission from the buyer) into a mortgage-backed security which was "swapped" or deposited by Magic Bank to Bank of Canada and "cleared" through the Canadian Payment Association for which another deposit was entered into Magic Bank's transaction account.
From the above, we can list all the criminal acts perpetrated by Magic Bank:
The mortgage contract was "void ab-initio" because Magic Bank lied and never intended to lend a single cent of their own asset or depositor's money to the buyer.
A valid contract must have lawful or valuable consideration. The contract failed for anticipated breach. Magic Bank never planned to give the buyer/borrower any valuable consideration.
Magic Bank breached all its fiduciary duties to the buyer and is therefore guilty of criminal breach of trust by failing in it's good faith requirement.
Magic Bank concealed the fact from the buyer that it would be using the buyer's promissory notes; first to clear all the liens and encumbrances in order to convey clear title to the buyer and then use the second promissory note to obtain more money from Bank of Canada or other institutions that buy and sell mortgage-backed security. Magic Bank received up to three times the amount of money required to purchase the property and kept the proceeds to itself without telling the buyer.
Magic Bank violated its corporate charter by lending "credit" or "nothing at all" to the buyer and then charging interests on this make-believe loan. Banks are only licensed to lend their own money, not other people's money. Magic Bank used the buyer's promissory note to clear the title which essentially purchased the property from the seller. The transaction is "an ultra vires" transaction because Magic Bank has engaged in a contract outside of it's lawful mandate. An ultra vires contract is void or voidable because it is non-existent in law.
Everyone involved in this undertaking with Magic Bank, starting with the loan or mortgage officer, the lawyers, the land title office and even the central bank are equally guilty by association by aiding and abetting Magic Bank in it's commission of it's crimes against the buyer and the people who would eventually have to absorb all of the loss through increased taxes, etc.
In the final analysis, Magic Bank and the others who profited from the ultra vires transaction are all guilty of unjust enrichment and fraud for deceiving the buyer and the people, and for acting in concert in this joint endeavor to deceive the buyer.
Dealing With The Police Years ago, a policeman was your friend and defender. Things have changed now that Police Forces have become commercial organisations, dedicated to producing a profit by taking money from you in the form of Fixed Penalty Notices, Speeding Fines, Parking Fines and any number of other charges. It was stated on national TV this morning that in the last thirteen years, three thousand additional offences have been invented.
As each individual Police Force is a commercial company, in a way, not unlike a McDonald's Restaurant in strategy, it has no authority to enforce anything, any more than a McDonald's has. The men and women who work under the banner of their local Police Force have two separate roles. When they take up their occupation, they take an oath of office, pledging to uphold the law. That oath, and nothing else, gives them the authority to act to enforce Common Law - that is, the few things which are listed near the start of the "Legalese" section of this web site. It does not authorise them to do anything connected with so-called "government" statutes and so they have been trained to use Legalese to entrap uninformed members of the public. To be fair, it is highly likely that members of the police force are not aware of what they are doing and do not understand the difference between "legal" statutes (which are optional) and the "lawful" Common Law requirements which apply to everyone and are not optional.
Please don't get me wrong. Most policemen and policewomen do a great job and assist members of the public, often above and
beyond the requirements of their job - opposing bullying, intimidation, fraud, etc. and comforting in cases of bereavement or injury. Admittedly, the commercial companies who control the Police Forces are working hard to end this sort of positive behaviour, using ridiculous "Health and Safety" regulations as an excuse, even to the extent that police officers are instructed to stand by and watch somebody drown and not attempt to save them. This is not the choice of the officer but the instructions of the owners of the company.
Because these thousands of invented offences don't apply to anybody unless they agree to be bound by them, it becomes essential for a police officer to (possibly inadvertently) persuade a member of the public to agree to subject himself to these unnecessary restrictions and agree to pay invented cash penalties to the local commercial company called the "Police Force" or "Constabulary". The normal first attempt to establish this spurious dominance of the police officer is by him asking for your name. This is not an innocent question and it is essential that you are very careful in what you say as there are verbal Legalese booby traps all over the place.
One suitable reply is "The law does not require me to provide that information" which is entirely correct and avoids pitfall number one, and no matter how often the question is asked, the answer is always the same. It is also vitally important not to argue with a police officer as that is another Legalese booby trap which makes you subject to the thousands of hateful regulations designed to part you from your money. So, only answer questions (ideally with a non-aggressive question) and don't volunteer any information at all.
If the police officer says "You were exceeding the speed limit", you could say "Was I?" as you don't argue, nor do you point out that Common Law does not require anyone to keep to speed limits, obey road signs, park only where directed, etc. even though that is perfectly true. As mentioned before, if the police officer says "Do you understand?" then your response should be "No! I do NOT stand under you in this matter". As before, the question is a Legalese trap and has nothing whatsoever to do with understanding anything which has been said.
Under Common Law, an offence has only been committed if there is a victim (somebody who has been killed or injured, had possessions damaged or stolen or who has been defrauded). So, if the police officer keeps pushing you to agree to pay his company money when you don't need to, then a good question to ask might be "Who is the victim?". An alternative is to ask "What is the charge, or am I free to go?". If you stick to these things, then the police officer has nothing to work on as you have not agreed to be bound by statutes, you have not provided a name and address for him to write on an Invoice (or "Fixed Penalty Notice" as they like to call it) and you have not entered into a "controversy" by arguing with him or into "dishonour" by refusing him point blank.
There is one other thing, and that is, without being aggressive or offensive in any way, you must not do anything which he t