I'm going to stick my neck out here.... again... I guess I'm one of those who has taken the time to learn about the system of slavery we live under... not just this country, certainly the other four as well.... USA, Can, Aus and NZ. I was reading the Daily Telegraph today in my local Costa (that's where I rant to anyone who cares to listen) and I was reading an article about our £13 Billion budget deficit and that it would have to be raised by either cuts, more tax (3p) or a mix of both for the next four years. (interesting thought; rumour has it that the Rothschild's fortune is valued at some £500 Trillion, that's £500,000,000,000,000... and they live in this country, have done for 300 years.... just think, a contribution from them of just £One Trillion would solve all our problems and it would take them only a short while to replace it.. after all, they stole it from us in the first place). There was also an article about how this country has become wide open to those who would destroy us, how the internet is working for them, against us and yet another article about amalgamating the three services, Navy, Army and RAF into one unit to cut costs. Well, I've been around a hell of long time years before WW2 but, I believe the future is just a touch scary for our kids. Right now we are in the grip of a bunch of egotistical crooks, both main parties and the banks thru to Brussels and, as this country has been surrendered by law, there is no escape.... UNLESS.... UNLESS, the people say so, 'EN MASSE', a true rebellion to challenge their authority which is all a fiction anyway. There is however just one other way that the Americans are working on, an ever growing movement.... We, the people of this country should order our government to by-pass the Bank of England and order money/currency to be issued by Her Majesty's Treasury. At the stroke of a pen the deficit could vanish and there would be no usury to pay. We need a few politicians who have guts, guts like John Kennedy who was assasinated, guts like Douglas Bader, Horatio Nelson, Churchill and others throughout history and stand up to these modern slavemasters, these egotisical slimeballs, this so called elite who use us no less ruthlessly than the slavemasters of bygone days with their whips and chains. Those who nowadays lie through their teeth claiming to represent our best interests. Only recently, the longest serving lady senator of the American government stood on her hind legs, in front of the television cameras and demanded that the Federal Reserve should be relieved of its control over the issuance of the $dollar... she went on, before it ruins us all. There are no real differences between US law and ours, their forefathers who were our forefathers based their law on English law many years ago... only statute law is sometimes different but this sits on top of the LAW and can therefore be challenged but with the right words in the right manner... and this requires knowledge and it is available to all who care to look. I hope I live long enough to see a British parliamentarian do exactly the same as this American Senator. If you believe, like the majority believe that..... THE BORROWER SHOULD REPAY THE LENDER, then download the pdf report by Tom Schauf a US CPA (chartered accountant). Tom Schauf .pdf Ebook Download If the link fails, then google Tom Schauf and look for the title AS ABOVE IN BOLD. It just might open your eyes a little wider and bring you face to face with truth. If one man could challenge a local authority in the UK by studying how to use his own language to opt out of the Council Tax, why cannot we defeat all the slavemasters one by one.... inch by inch success is a cinch, but by the yard, it's hard? The CAG is a wonderful powerful group, if they would have the courage. Brig General Wild Bill Donovan who founded and commanded the American OSS (Office of Strategic Service) in 1942 to fight the enemy inside their own borders stated once; "THERE CAN BE NO SUCCESS WITHOUT RISK". At the end of WW2 that worthy organisation became the CIA, our own SOE was disbanded... well, we had our own SIS and MI5. I realise that the moderators may delete or remove it; which is fair enough.

Freedom can only come to those who educate themselves.... The rest of us are bound hand and foot by Commercial/Admiralty/Contract Law. We all belong to the State.... and money is a fiction. I keep on dropping hints here and there, I wonder how long it will be before I have placed a hint, a key on every thread in this entire forum. Keep it up Nuke 'em, you know the truth.... but don't forget challenges under the CCAct also work, thank goodness

You say above that you have an overdraft with your personal guarantee on it. My younger son is in just this situation, right now. Not long out of uni with a decent BSc he took a personal business loan to help finance a Ltd Co which, thru no fault of his own has been forced to cease trading thru lack of orders... despite paying £1400 monthly for adverts in Yell, Thompsons etc... He is going to the bank next week to ask for their help.... £5 a month for the next 6 months to a year and a freeze on interest for this period will be acceptable to them.... for it is in their best interests to so do and he has proved to be as good as his word. Hope this helps..... I also suggest you take some time and read a very good e'book written by Mary Croft. She's a good guy from Canada. If you go here then download to your own machine... IT IS IN PDF and is FREE http://www.hackcanada.com/canadian/freedom/mary_croft.pdf (you may have to copy 'n paste this url) It may not solve all your problems, but it will give you heart and strength... and you will know more about money, what it is, where it comes from and where the real power lies than most any bank manager, local or regional in the whole of the 5 English speaking countries that make up the old empire. Canada? - well, 4 other countries use our laws, America, Canada, NZ and Australia - all franchised to the Inns of Court in the City of London (the sq mile which still controls most of the world for that is where you will find N M Rothschild Ltd, bankers - said to be worth over £500 trillion). There are a lot of people in this forum who can help you, some are professional, many are self taught and know more about the CCAct than many lawyers - most lawyers (like accountants, judges and politicians) work for the system, CAG works for the people.

CREATION OF MONEY.... There is no huge pool of money beneath any lending bank, just waiting there to be borrowed... Money is created when a borrower requests a loan and most lending is done from high street banks... HSBC, Barclay's, Lloyds, Nat West etc. This is clearly explained by the BANK OF ENGLAND... Bank of England|Home Quarterly Bulletin 2008, Q1, volume 48, no.1, page 103, left hand column last para, line 4. (banks do not lend money, they create it on demand). All is also explained by the Chicago branch of the Federal Reserve. If all we did was to borrow money that pre-existed the loan agreement, no new money would ever be created.

I am so glad to see that one by one, however slowly, members are becoming better educated about money, what it is, where it comes from, who owns it, who controls it and why. Make no mistake, we don't, we are their slaves, the goy, even the politicians do as they are told or they suffer the consequences.... Abraham Lincoln and John F Kennedy were two prime examples.... there have been others - two others I think, Pres Garfield was one. Anyone who really wants the truth should buy the book... it's available on Amazon for about £15 The Creature from Jekyll Island... it was this meeting in 1910 that really started the escalation of the Central Banks phenomena that we have today.... Here is a quick free briefing... Jeckyll Island and the Federal Reserve. There is so much more than just getting rid of our own debts.... it's the future of our children, indeed the world itself. Daily Telegraph, Tuesday, January 12th 2010 Full width header, page B4 (Business News Supp) "Is a cashless society on the cards?" It is forecast that the ultimate goal of the banks is to do away with cash money entirely.... Barclay's Bank expressed their interest a couple of years ago, today, they are rolling out their penny purchases debit card system as fast as they can and Visa are hot on their trail. The excuse they use is that it is much cheaper than using cash. The real reason however is to place every human being on the planet into slavery - make us all dependant on a plastic card or a tiny implant under the skin and they have us totally in their power until the end of time.... for without the means to identify oneself, we would not exists... just by pulling the plug. THE JUDGES HAVE BEEN CAUTIONED RIGHT FROM THE TOP. Another of Charlie's rants.

why should an English judge use and American legal expression, I wonder?

this keeps on cropping up... maybe someone should go and bang on Judge wassisname's dorr one night and ask him to visit CAG and explain in plain unambiguous English, just what four corners means. Just one of my many thoughts (bearing in mind as many have seen from some of my posts that I'm losing my marbles).... the statement to me seems to say that.... the prescibed terms must be within the four corners of the signature agreement..... BUT, hang on a mo.... most agreements that we sign are not agreements, they're application forms. Comments???

yep, I agree too

The law, the banks, the government is an all pervading evil partnership, all designed to rape ordinary people like us (the goy) and to keep them in order. It has been going on for a thousand years... it got worse when the money exchangers arrived with their evil ideas and it's been thus ever since. As the time passes their grip of steel upon us becomes tighter and tighter. Only the internet can save us from the ultimate by spreading this knowledge - global enslavement under one single regime.... one bank, one government, one enforcement agency. Barclays Bank have now introduced the new card for penny purchases, the banking cartel are looking to roll these out en-masse later this year - for what?... they say, to reduce costs (that's a lie).... the truth is, to withdraw cash out of circulation. A future step will be to use something which is being used today by very wealthy people (out of reach for you and me) it's a torpedo shaped chip that will sit under the skin and carry everything they need to know about you. Think about it... put a foot wrong and they simply cut you off. Don't believe it? - I was shocked this weekend to see that the United Nations has an admin organisation on an island as small as Haiti.... I saw on my tv men in uniform running around with batons, armed as well... they wore the Blue Helmets of the UN and on their backs was a sign in caps saying POLICE. Why should the UN have an installation on a tiny island like this? I see also the yanks are flooding that island with troops... and whilst we're on the subject, I served with the American airborne many many years ago and have always, despite their gung-ho attitude, have always had great admiration for them... but what they are doing now.... effectively, bit by bit occupying countries worldwide, encouraging war for profit, has really started my switch off. Now it seems they're out to ruin ManUnited.... greed, sheer greed. We need to spread the news and encourage rebellion. There are plenty of places to start educating yourself. A NOTE FOR ADMIN. Sorry about this, but, sooner or later the truth must emerge... people must start getting wise for it is only by a mass uprising of the people that they system can be changed for the benefit of all mankind..... and our children!

I was coming to that conclusion, let it be Thanks everyone... it's taken me a long time to get round to asking questions on the open forum... I'm sure we shall meet again... just for my close family tho. charlie

CAB..... 'ouch', that hurt (but thanks, all opinions welcome). Why do you think it could be dangerous - there's not much at risk, just our house It might be an idea simply to leave things as they are... the Tesco paper is, I think on pretty thin ice.... unenforceable - no PT's. Unless of course others have engaged with them - and have something to say? Thanks

The title of this thread seemed to be a good place, so hope it's okay? We have a TESCO credit card and I have a feeling we may left DN faults too late... let me explain. The agreement doesn't seem to comply... no prescribed terms and so - on... we got a copy by s77 in the autumn of 2008. Of course, there's been a lot of too-ing and fro-ing and right now, I think we've shaken off the DCA's. Only recently we have realised that there is mileage to be made out of faulty Default Notices... The Default Notice for arrears of £125 was dated end October 2008 in which they gave 17 days starting from the day after the letter date. It stated, "... we will terminate the agreement......" (if you don't cough up) There was NO Termination letter. (can it be taken that the agreement was terminated?) Then, we had a second Default Notice dated end of November in which they requested £550 payable just as above, in 17 days. We then received a Termination Notice dated January 2009... We'd appreciate any comments, I expect the only one will be about the 17 days grace rather than a given date, as it should be. Can we do anything as they did not enter a specific remedy date? There's also the time elapsed since. I suppose another very good question would be this..... does the lack of a specific date rather than 17 days actually work? I know the ruling is specific, but, hey, the rules aren't always upheld by the judges. Thanks anyone charlie

bump

Morning all (as George Dixon would say) Ah, those the days, when tv was driven by steam, people saved for what they wanted and the Police Station at Dock Green, blue light n'all was still there. I have one or two questions to ask the answers to which may be useful for others... aside from which, I dunno where else to ask. Does a lender, in this case Sainsbury have to disclose the commission they receive from a single premium PPI policy attached to a capital loan? The Subject Access Request shows the figures. ....... the gross premium (added to the loan) was £3000 and the NET premium paid to the insurer was £1000 for the entire loan term. £2000 is pretty good commission for doing not much, innit? With interest it's quite a bit more. My son is self employed and nets before tax £12000 (has two kids too). He relucutantly accepted the PPI even tho he was told it was optional because he was in a very bad situation with his car without which he cannot earn and needed the money like urgently. Now he is wiser, had he not been in such a panic he would have looked closer and would have discovered he could've got the same policy hugely cheaper and monthly and would have declined. Hindsight is wonderful.... still, he swears he did feel pressured at the time, part of it his own dire circumstance - his car had simply given up on him. I'd also appreciate any thoughts.... he did an s77/78 last year and having only recently discovered Defaults, has found that the DN doesn't comply... How do you like this.... The Default Notice was dated....24th of the month, (as it happens the given date was 2 days short of 14 clear). Even better, he then received a Termination Notice DATED THE NEXT DAY, the 25th (YES, the same month)... both signed by the same clerk... Hayley Owen. He has another Termination letter on file dated 2 months later, but no earlier dated Default Notice to match... however, as the situation above was all done within 24 hours 2 months earlier, any attempt to remedy their mistake, I think, does not count. Perhaps they're hoping he would not notice. So, what would be a good course of action here? .... the way I see it, recsision of contract could mean that he claims back all the PPI he has paid.... thing is, would this work? We asked in the SAR to provide any and all info regarding the PPI and transcripts of phone conversations.... they sent nothing except a screen shot showing some figures and the premium, net and gross, but later, in a letter they asked for dates and times of telephone conversations which of course is crazy - can they get away with this? Finally, tho I'm sure there are other points to check, they did not state that the premium could have been paid monthly or that he might seek another quotation. Seems to me that this is one reason we have the Fin Serv Act... to stop banks using their priviledged position in the marketplace from selling for commission. I ask the above question re disclosure because they are FSA registered and those selling insurance are supposed to declare commission. Lastly, would PPI have been suitable for a self employed guy in October of 2004? If there is a standard letter that I might adapt if this can be a go-er, any assistance would be greatly appreciated. Many thanks Charlie bump... any thoughts please

Sorry to butt in, I have 2 questions to ask the answers to which may be useful for others... aside from which, I dunno where else to ask. Does a lender, in this case Sainsbury have to disclose the commission they receive from a single premium PPI policy attached to a capital loan? The SAR shows the figures. In this case the gross premium (added) was £3000 and the NET premium paid to the insurer was £1000 for the entire loan term. If you take £3000, add the apr (2004 rates) you end up with a lot more. My son is self employed and nets before tax £12000 (has two kids too). He accepted the PPI because he was in a bad situation with his van without which he cannot earn. Now he is wiser, had he not been in such a panic he would have looked closer and would have discovered he could've got the same policy hugely cheaper and would have declined. Hindsight is wonderful.... still, he swears he did feel pressured at the time. I'd also appreciate any thoughts.... this agreement was challenged last year and having only recently discovered Defaults, find that the DN doesn't comply... out by 2 days. The rest of the agreement is okay, so, would it be a reasonable bet to tackle them on the basis of cancelling the whole agreement and not chllenging the PPI. I ask the above question re disclosure because they are FSA registered and those selling insurance are supposed to declare commission. Thanks Charlie

It is a fact that the bank does not lend money.... The 'asset' they agree to loan you upon your application being signed and approved does NOT exist in this universe or any other BEFORE you sign that paper. It is the signature you give them that authorises them to make an entry in a ledger.... hey presto, the money appear as if by magic. The 'asset' (money/credit) they loan you is in fact YOURS.... it is YOUR asset because it could not have been created without your signature . Is there no way that this simple fact could be slipped in somewhere and manipulated in by some kind of entrapment.... even of the judge her/himself. These people are leaning on statutes, the law of the UK is superior and it is Commercial Law... contract law. However, extreme caution should be used here for the lawyers call such a defense as frivolous and often get a dismisal... BUT, I suggest thinking about the use of only a tiny part of the whole defense using contract law.... whose asset produces the loan??? Should not he, whose asset creates the loan not be the one to be repaid???? Is it worth a thought or ten? BANKS DO NOT LEND MONEY.... IT'S ALL edited LIES.

.... or even 17 days as with Tesco, Mint etcetera....

Thank you for this guys, just confirms my own suspicions.... Sainsbury's are lying b*****rds too A tip for all re Sainsbury's - watch their DN's very carefully, they are not too bright. One in my close family received an areement termination dated ONE DAY after the date on the Default Notice.... same person Charlotte Gurnell, Senior Operations Manager.

Hi nuke em... I think you'll find this interesting... it is beginning to happen and I believe this is why the powers that be seem to be in one hell of a hurry to get the World Government installed. Brown seems so keen on calling these international meetings.... http://www.brasschecktv.com/page/760.html charlie

Thankyou both

I see Cerebusalert implies that this agreement is suspect because it does not carry the "Right to Cancel" clause... I also see that Aqua-sition suggests, for his own reasons that it is enforceable.... I too have this problem with my son 's Sainsbury loan... also a Tesco loan ... I am not doubting Cerebus but, since one opinion conflicts with another, could some kind soul shed some more light here? These two agreements do bother me and no doubt Aqua-Sition too. Hope everyone had a damned good Xmas and I would like to wish us all a Happy, Healthy and Successful 2010. charlie

Hey, Shino..... patience lad, patience, there are people working on these plans...... whatever Barclay's told you, they talk fricking rubbish... WHY?... because their status in the bank is not high enough.... the only people in the banks who know the name of the game can be counted probably on half a finger.... I have photocopies (3) of court letters from the US.... Chase Bank Mortgages were tackled by a couple who said.... not afraid perhaps because they have not yet been cowed by people like Blair & Co.... show us the original contract.... bank declined and took the couple to court 'cos they'd stopped paying..... their defense was NO CONTRACT.... we asked to see the contract, bank refused......... soooooo, Judge said to Chase lawyer, where's the contract?........ lawyer said......... My clients have lost it.... judge........ after he'd finished harrumping no doubt....... found for the defendents... WITH PREJUDICE. Same here really, no contract, no case. The yanks seem to be so far ahead of us.... some of my own approaches to the card banks before I found CAG were refused on the gounds that the questions I asked were based on American law.... absolute rubbish as the American Bar (as well as Canada, Australia & New Zealand) is a franchise from the Inns of Court in the City of London.... our law is theirs. Having said that, none of my family have been taken to court - I'm working on a total of 8 cases, 2 loans + 6 cards and I am well satisfied with progress.... what I have found is that the more you know... and let them know you know.... like my knowledge goes outside the CCAct into contract law and money itself, the more you can make them think twice before they start going to court.... Getting rid of DC's and lawyers is not hard. I do use the CAG and the help I have (for which I shall be forever truly grateful) from this forum... it supports my confidence and it supports my earlier challenges under contract law. So, one by one as a family we are winning the fight. It's all down to research..... there are other forums, American, Canadian as well as English... we all have the same laws with some statutory differences......... like... the agreement we all sign for the money is a unilateral contract, invalid the moment it is signed UNDER CONTRACT LAW - read up on contract law... must be bilateral... full disclosure, equal consideration etcetera. Also, they don't tell you that they DO NOT LEND MONEY.... they are merely exchangers, one value for another. The money theyprofess to lend you DOES NOT pre-exist the agreement you signed... thus, it was your signature that authorised them to create the "money" out of thin air by making a ledger entry....(Bank of England wweb site confirms) they don't reveal any of this, they just lie thru their teeth... (the whole of our society is based upon a lie) you goto work, you are paid for effort, that's the money they want because they cannot monetise credit without an incoming equal consideration (your IOU) which they can trade in the elite market for money. The last thing I want to do is to appear to lead people away from the CCAct... what I am saying is this....... research into the wider subject is most rewarding... and very, very interesting.... all the things they should teach us about at school, if we lived in an honest society, but, we don't and they don't... they are hypocrites and use us to create their own wealth just as the farmer uses the cows in the field. I've seen somewhere that £800 billion has been added to our debts in recent months....... why, where has it all gone? - has so much been transferred into the pockets of the super rich? - have the banksters (Bank of England) been taking cash out of circulations to exacerbate the crisis (part of the grand plan for global domination).... Why does not the Chancellor of the Exchequer simply order HM Treasury to print and issue into the country as much currency (notes) as we require to avoid the interest bearing debt thrust upon us by the Bank of England? THIS WOULD BE DEBT FREE, INTEREST FREE. Austria did it in the 1920/30's... Abraham Lincoln did it and so did John Kennedy in 1962/3 Boy, I get so angry.

Hi RickyD.... If Lincoln could do, John Kennedy could do it... only a few years ago, then why should we not do it? Maybe I am being naive, but, the precedents have been set and there are voices in America far better acquainted with these subjects than you and I.... even in the Senate, only this year, one man stood up and called for the Federal Reserve Act to be repealed.... for the sake of the nation and the free world. . The monetary system is owned and controlled by a few families.... who backs them up... and in return for what? GREEDY POLITICIANS... not the bankers who make all the money, very few of them know as much as you know. Dennis Healey said... "nothing in politics or commerce ever happens by accident". Sir Josiah Stamp (died 1947) was the chief of the Bank of England.... "Banking was conceived in iniquity and was born in sin. The Bankers own the earth. Take it away from them, but leave them the power to create deposits, and with the flick of the pen they will create enough deposits to buy it back again. However, take it away from them, and all the great fortunes like mine will disappear and they ought to disappear, for this would be a happier and better world to live in. But, if you wish to remain the slaves of Bankers and pay the cost of your own slavery, let them continue to create deposits" This is a big subject and to get the flavour of it under your tongue you really need to spend many hours studying the whole subject, not just the banking bit. charlie.

subbing, any more on the rbs?

I am very pleased to see such an interest in the banking [problem]..... of course, there are those who still believe the earth is flat and for those.... and everyone else just to make things absolutely clear in their own minds to take a few minutes and visit the Bank of England website www.bankofengland.co.uk and then search for this... Quarterly Bulletin 2008 Q1/volume 48 No 1 page 103 You can read the whole page if you wish, the best bit is in the last paragraph, bottom of the page, left side column, line 4 "....... banks (lending banks) create credit by simply increasing the borrowing customer's current account (a broad term no doubt, in our world it means credit cards, loans and mortgages too) which can then be paid away to wherever the borrower wants by the bank writing a cheque on itself". There we are, in a nutshell... there is NO money until it is borrowed... some 97% of all money is a debt to the banks (excluding coinage which is issued by HM Treasury). We work for the banks Now, fellow Caggers........ I am sure that most of us could put together a letter - or an email that we could send to our members of parliament at their local branches or even at Westminster..... WHY? Simple as this..... the Prime Minister, the President, can instruct the Treasury, the US Treasury, HM Treasury to issue as much DEBT FREE MONEY as rhe country requires. They can also tell the Bank of England and the Federal Reserve to get lost..... pay 'em off with honest debt free money. Abraham Lincoln printed debt free money and so did John Kennedy... he also stated he was going to repeal the Federal Reserve Act of 1913 signed by President Woodrow Wilson in return for the presidency (Jekyll Island Meeting 1910... instigated by JP Morgan himself (his bank now pays Blair huge sums for services rendered, ie the dumbing down of Great Britain). Sadly both Lincoln and Kennedy were assasinated for challenging the International Banking Cartel, headed by the Rothschilds of Berkshire (JP Morgan Bank is the New York arm of the Rothschilds). If we made pests of ourselves, surely, our voice must be heard. charlie