Read the story here. Advertise at Before It's News here.
Profile image
Story Views
Last hour:
Last 24 hours:

Mortgage Fraud: Hidden in Plain Sight.

% of readers think this story is Fact. Add your two cents.

I’ve previously written in substantial length about the Great British Mortgage Swindle and the components of its multi-layered mortgage fraud. 

To the average man in the street, the one who falsely believes he was the recipient of a loan from a mortgage provider, it is far too complex for him to get to grips with. As far as he is concerned, part of him knows it is a fraud on the simple basis that no matter how much he pays, the ‘debt’ hardly diminishes on account of the compound interest he is forced to pay. For those in authority, who sit on the banking gravy train and consequently have no incentive to do anything about the fraud, it’s of passing interest at most.

The Gravy Train as epitomised by politicians of any persuasion.

The demonstrable fraud that forms the basis of the unprecedented representative action against the Chief Land Registrar lies in the very deed of mortgage itself.  The dictionary definition of the term makes it plain: it a ‘dead pledge’ or promise.

mortgage | ˈmôrɡij |


a legal agreement by which a bank or other creditor lends money at interest in exchange for taking title of the debtor’s property, with the condition that the conveyance of title becomes void upon the payment of the debt. (My emphasis)

Aside from the issue of the fake loan of “money at interest”, it is common sense that the mortgage can only be against the “debtor’s property”.  In other words, an individual can only grant such a charge over his home if it is truly his – he has first to be the beneficial owner before he can sign (execute) the deed, let alone a “debtor”. 

Due to the fact that his conveyancing solicitor instructed him to do so at a time when the house was palpably not in his ownership, that deed is provably illegal, ab initio. And, most significantly, the so-called ‘mortgagor’ can prove it. 

This is why the solicitor illegally instructs him to execute but not date the mortgage deed.  

Thus, the fraud is hidden in plain sight, as an esoteric* element that is often over-looked and/or dismissed on the ground it is the ‘common practice’.  The appeal to common practice is a fallacy and therefore cannot be relied upon as a defence.  The reasoning is clear: just because something is done in a particular way does not make it lawful or, indeed, legal.  

*esoteric | ˌesəˈterik |


intended for or likely to be understood by only a small number of people with a specialized knowledge or interest: esoteric philosophical debates.

The Land Registry, the Conveyancing industry and the banks will each argue that regardless of the facts, the deed is legal. 

My colleague and co-producer of TGBMS, Michael O’Bernicia, brilliantly distills it down to this:

“There is one question knocks out their deed argument: what is the one legal requirement of proving that a mortgagor has granted a legal mortgage?

That they signed an equitable mortgage deed, capable of being registered as a legal mortgage, as per the provisions of s1 LPMPA 1989 in front of an independent witness, who attested to the signatures.”


“Without which components of the deed is it incapable of being registered as a legal charge?

Answer: The signature of the mortgagor and the date of execution [not completion].

Therefore, the LR assumes that the date on every deed is the date it was signed and common practice does not provide a defence to the falsification of it on the date of completion.

An undated cheque is always sent back to the maker, who is the only party who can amend the instrument. however, whilst post-dating can be acceptable with a cheque, the same is not true of deeds, unless more than one party is signing and they are in different locations.

However, since an undated deed cannot be registered, even when it is signed; just as an unsigned deed cannot be registered, even if it bears a date; the law presumes that the acts of signing and dating are indivisible, on the ground that Southern Pacific Mortgage case ruled that the entire mortgage transaction, from execution to completion, is indivisible, which naturally means that no right to grant an interest arises until completion.”

Then, of course, we have the etymology of the word ‘mortgage’ itself which makes it plain that there is something inherently nefarious about the whole swindle:

“late Middle English: from Old French, literally ‘dead pledge’, from mort (from Latin mortuus ‘dead’) + gage ‘pledge’.”

The adage, if you want to hide something, hide it in plain sight was never so apt.

And that is aside from the issue of ‘mortgage monies’ as created out of thin air:

Or, as Henry Ford put it:

“It is well enough that people of the nation do not understand our banking and monetary system, for if they did, I believe there would be a revolution before tomorrow morning.”

Little wonder that the so-called ‘education system’ does not teach its inmates anything about the creation of ‘money’ by way of fake debt. It is in the interests of the bankster and their accolytes for their fraud to remain hidden. In psychological warfare (which is is what it is, on every level) it is important to maintain the cover-up; which is why groups like this are created to steer people away from the facts and into a limited hangout of hidden trusts that can never be substantiated and false promises of  ‘golden keys’ that will magically open up the rigged court system for those ‘in the know’. But only if you pay them thousands first.

Mortgage fraud exists on an industrial scale: it’s a huge scam, one of financial enslavement, which is entirely dependent on the masses remaining ignorant to its hidden practices. 

The solution: watch TGBMS, get educated and join the class action against the Land Registry.

As ever, many thanks to David R for his stalwart support of this site.

If you haven’t done so already, here are the links to join the class actions and upload your void mortgage documents, for the singular purpose of providing us with sufficient evidence of institutionalised mortgage fraud.Join the TGBMS Class Actions:


Visit the official website for The Great British Mortgage Swindle:

Watch on Amazon Prime:

Buy the DVD on Amazon:

See the film in a UK cinema:



Before It’s News® is a community of individuals who report on what’s going on around them, from all around the world.

Anyone can join.
Anyone can contribute.
Anyone can become informed about their world.

"United We Stand" Click Here To Create Your Personal Citizen Journalist Account Today, Be Sure To Invite Your Friends.

Please Help Support BeforeitsNews by trying our Natural Health Products below!

Order by Phone at 888-809-8385 or online at M - F 9am to 5pm EST

Order by Phone at 888-388-7003 or online at M - F 9am to 5pm EST

Order by Phone at 888-388-7003 or online at M - F 9am to 5pm EST

Humic & Fulvic Trace Minerals Complex - Nature's most important supplement! Vivid Dreams again!

HNEX HydroNano EXtracellular Water - Improve immune system health and reduce inflammation

Ultimate Clinical Potency Curcumin - Natural pain relief, reduce inflammation and so much more.

MitoCopper - Bioavailable Copper destroys pathogens and gives you more energy. (See Blood Video)
Oxy Powder - Natural Colon Cleanser!  Cleans out toxic buildup with oxygen! 
Nascent Iodine - Promotes detoxification, mental focus and thyroid health.
Smart Meter Cover -  Reduces Smart Meter radiation by 96%!  (See Video)

Immusist Beverage Concentrate - Proprietary blend, formulated to reduce inflammation while hydrating and oxygenating the cells.

Report abuse


    Your Comments
    Question   Razz  Sad   Evil  Exclaim  Smile  Redface  Biggrin  Surprised  Eek   Confused   Cool  LOL   Mad   Twisted  Rolleyes   Wink  Idea  Arrow  Neutral  Cry   Mr. Green

    Load more ...




    Email this story
    Email this story

    If you really want to ban this commenter, please write down the reason:

    If you really want to disable all recommended stories, click on OK button. After that, you will be redirect to your options page.