Tom Crawford eviction by bailiffs: Freeman on the Land (FMoTL) nonsense has no place in the courts.

[Bailiff Advice]

Every daily newspaper is today reporting the dreadful events of yesterday when Tom Crawford's long running battle with his mortgage provider (Bradford & Bingley) came to an end when bailiffs eventually entered Tom & Sue's bungalow and repossessed it in accordance with the court order. Given the high profile and public interest in this case, over 70 police officers were in attendance and the cul de sac where Tom and his wife lived was closed off. Police also hand delivered letters to all his neighbours to advice them of the reason for their presence.

 

 

http://www.scoop.it/t/lacef-news

 

Sadly every year thousands of homeowners suffer the same fate as Tom Crawford when their home is repossessed but none of them get the press publicity that this one has. There is because, unlike other home owners, Tom Crawford is a support of the Freeman on the Land movement.

 

A few months ago bailiffs attempted to repossess the bungalow and social media sites appealed for supporters to attend the address to halt the eviction. Over 500 protestors gathered at the property forcing the bailiffs and police to retreat.

 

Following that days events, Tom attempted to stop any further action by appealing the possession order to the court. In doing so, he did not seek assistance from a solicitor. Instead, he sought the services of various individuals who are well known on the Freeman on the Land (FMoTL) and Sovereign Citizen circuit.

 

Quite simply.....the court rejected their silly arguments.

[sillygirl1]

Had he fought this case on other grounds he would possibly have ended up with a stay of proceedings - or at the very least he could have cited the Norgan case.

 

Choosing the FMoTL route was a very bad decision indeed.

[Bailiff Advice]

Background to Tom Crawford's case.

 

The case is remarkably simple. Tom and his wife purchased a bungalow in 1988 with a mortgage of £41,000. The mortgage was a an Endowment mortgage which was very popular at that time and meant that monthly payments to the Bradford & Bingley would only cover the interest on the mortgage and the owners would be required to take out a separate endowment policy . Monthly payments would have to be made to cover the policy with the aim being that when the policy matures (normally at 25 years) that the value of the policy would be sufficient to repay the capital (£41,000) to Bradford & Bingley.

 

In 2012 Tom and his wife got into difficulty paying their mortgage and arrears of approx £2,000 led to Bradford & Bingley seeking possession of the property. The court granted a suspended possession order but Tom did not pay and then a dispute arose surrounding the endowment policy (or more to the point....the non existence of the policy !!!).

[Bailiff Advice]

Had he fought this case on other grounds he would possibly have ended up with a stay of proceedings - or at the very least he could have cited the Norgan case.

 

Choosing the FMoTL route was a very bad decision indeed.

 

The Judgment for his appeal is so very clear. Naturally the judge threw out any suggestion about 'wet ink signatures' and Tom's 'team' then tried to argue that the eviction was unlawful given that Bradford & Bingley had supposedly not paid a court fee for their application.

 

There has been a lot of discussion on various 'Freeman' sites and others and the one overriding question was .......'What has happened to the endowment policy'? Tom has given many interviews on YouTube and other FMoTL sites and this simple question was always met with vague answers. There are suggestions that the public have been seriously hoodwinked.

 

The judgment deals very clearly with the matter of the 'endowment policy' and it was agreed at the appeal that a little over a year after the policy has been taken out that payments stopped being made towards the policy and in 1991 it was cashed in. !!

 

Evidence was also provided that made very clear indeed that Tom and his wife knew that they did not have a policy in place to pay the capital when the mortgage came to an end and that they had received a lot of correspondence from Bradford & Bingley on this subject.

 

Sadly, Tom was completely taken in by the FMoTL theories that mortgages are frauds, banks never lend real money, and we can pay off the mortgage with promissory notes.

 

PS: Unfortunately Tom was arrested yesterday evening along with one of his advisors (Ceylon aka Mark Hainig from the Get Out of Debt Free website) for breach of the peace.

 

PPS: This was the very same 'Ceylon' who publicly stated on the Get into More Debt for Free site just three days ago that Tom would not be paying the mortgage because he had WON his court case. Are these activists so blind that they cannot see the truth when it is facing them ???

[unclebulgaria67]

I have some sympathy because those interest only mortgages with endowment policies were a rip off. Many were miss sold as often it was not pointed out that the endowment may not pay off the mortgage. In this case, if they cashed in the endowment, then the capital was always going to be due at the end of the mortgage term.

[Coughdrop]

Did Tom not seek any proper, qualified legal advice?

 

If not, from where was his advice sourced? It would not be the site many might think of immediately, I am sure, so from whom did he get advice and do we know anything about them?

[Bailiff Advice]

Did Tom not seek any proper, qualified legal advice?

 

If not, from where was his advice sourced? It would not be the site many might think of immediately, I am sure, so from whom did he get advice and do we know anything about them?

 

Good question CD. I am just going out so will post more later.

 

In the meantime, the appeal judgment records that his McKenzie Friend was Michael O'Bernicia. He also also known as 'Michael of the Bernicia Family' or Michael Waugh.

[josephbloggs]

Would i be right to assume the eviction has now been done by a high court company or was it still the county court?

 

Reading amongst the drivel on btb it seems tom has also been arrested for inciting public disorder.

 

Lets be honest if given warning exactly the same thing would of happened, an arseload of people stopping the eviction.

And even though its been done it won't stop everyone from calling it fraud and a travesty etc etc and you can guarantee they will find a way to claim victory from somewhere

[Coughdrop]

It has proven pretty well that taking these daft notions to these extremes is very costly. I sympathsise (and can empathise) with anyone who loses their house, but there has been plenty of time to put things into place. The arguments were never going to win for the simple reason they were massively flawed.

 

Lots of people have faced issues over endowment policies and not lost their homes, it's not exactly anything new. The police presence on the day was justified, given the potential for civil unrest. Putting aside issues which cloud the facts, Tom was foolish and unfortunate.

[GrumpyToSayTheLeast]

So not only has he lost his house for not paying his mortgage as per his agreement, he has cost the tax payer tens of thousands in road closures and police support costs, court costs and thousand to the mortgage company. It's people like this that are the reason that bailiffs etc have to exist. They live in their own little world where they can do no wrong and believe they are untouchable. They then twist the story to try and gain public support without releasing the entire saga as they know they would be laughed at.

I'm sorry, but he was given every opportunity to sort this and lost.

[renegadeimp]

Tagging for future reference as a friend of mine is starting to believe in fotl crap for his mortgage too.

[colin11]

Tagging for future reference as a friend of mine is starting to believe in fotl crap for his mortgage too.

 

It is happening to a lot of people, they believe what they are told that the money came out of thin air and doesn't exist, what they don't get their heads round, if i sold my house now, i could draw the proceeds out of the bank and keep it under my bed, real money

 

Also, it is never fraud when they are taking the mortgage out, only when it comes to paying it back

 

The Tom Crawford story still has a long way to go yet, they are in the process of recruiting a huge mob to storm the house and take it back, and move them back in

 

I watch with interest

[citizenB]

So who do they think should be paying for their mortgage ?

[Consumer dude]

So who do they think should be paying for their mortgage ?

 

The banks of course. Payback springs to mind. lol..

[Bailiff Advice]

The Freeman on the Land and Sovereign Citizens supporters genuinly thought that the case of the Crawfords would rise the awareness of FmoTL around the country. The truth of the matter, is that it has done no such thing. Instead it has proved a complete disaster.

 

Instead of looking at the rotten advise from their 'legal team' they are instead seeking to get the Crawford's house back by using their 'Plan B'. This involves hunting down and threatening the owner of the removal team who removed the entire household contents. The next stage is that of secretly recruiting as many people as possible to 'storm' the house and retake it from the 'fraudualent bankers'.

 

These people need to wake up quickly......

[colin11]

So who do they think should be paying for their mortgage ?

 

That is just it, the money doesn't have to be paid back, because it never existed in the first place, it was just invented out of thin air, and so "fraud"

[Consumer dude]

Can I try this trick with my council tax ?

[caro]

That is just it, the money doesn't have to be paid back, because it never existed in the first place, it was just invented out of thin air, and so "fraud"

 

 

So they got the property for nothing? That can't be right.

[colin11]

So they got the property for nothing? That can't be right.

 

And you hit the whole FMOTL philosophy on the head, something for nothing, all loans credit ect are ok, when taken out, but become fraud right after and don't need paying back

[Coughdrop]

Good old fractional reserve banking strikes again!

[Consumer dude]

And you hit the whole FMOTL philosophy on the head, something for nothing, all loans credit ect are ok, when taken out, but become fraud right after and don't need paying back

 

Where does the fraud come in..

[colin11]

Because money is not real lol

[unclebulgaria67]

Because money is not real lol

 

When the Banks almost when bust, we came to the conclusion they did not think it was real either But it cost the UK a fortune bailing them out.

[colin11]

Interesting video

 

[Coughdrop]

For anyone wondering how this money is not 'real money', Google 'Fractional Reserve Banking' and you'll see how they believe money is invented which doeswn't really exist.