TGBMS: the Fraud of Antonio Horta-Osorio.

Consensus Reality is a phrase that means those sets of things which the majority of people consider to be real. There are countless examples but for the purposes of this article, let’s focus on the fraud of the banking system. Most people wrongly believe that the banks loan them money.

This false belief leads them to the conclusion that their ‘debts’ are real and that they must be paid back, usually with interest. After all, that’s only fair isn’t it? Well, not if you have been duped into believing that you are indeed the ‘borrower’. The professional negligence and failure of the conveyancing solicitor to explain how the mortgage is unlawful for wont of real consideration, how the deed of mortgage is void, why there is no valid agreement between the parties and the failure to disclose just how the ‘funds’ are created amount to one thing: fraud.

Logically, just because the majority of people believe something to be real, does not make it so.

The oft-quoted line from the film, the Matrix is as good an example of what consensus reality means as any:

“This is your last chance. After this, there is no turning back. You take the blue pill — the story ends, you wake up in your bed and believe whatever you want to believe. You take the red pill — you stay in Wonderland and I show you how deep the rabbit hole goes.”

The blue pill is the consensus reality; the red is the deeper reality.

Some time ago a blue-pilled individual offered a comment on this site that suggested both Tom Crawford and myself had fallen prey to an “internet theory” which had led us both into taking on the bank known as the Bradford and Bingley (now UKAR) over our purported mortgages.  He went on to state that we should simply have paid the bank what it was falsely claiming was owed and that would have allowed us to enjoy the ‘equity’ in our old age.

This blue pill perspective exists only in the consensus reality of those who falsely believe the banks ever make genuine loans, whether on mortgages or of any kind. It is the attitude of those who go along to get along, who ‘pay Caesar what is Caesar’s.’

However, once the red pill has been swallowed – viz., once the individual has become aware of certain hidden truths – there can be no going back, no matter how much one desires to return to that state of (imagined) blissful ignorance.

For instance, prior to 1999, I had been working for 10 years as an English teacher at a school in  Leicester. By and large, I was operating via a socialist mindset which resulted in me mistakenly believing that improving the language and literary skills of the children, and enabling them to perform well in examinations, was of benefit to them and to society, and that school was important in the development of every individual, for the collective good of all. I believed too in the consensus reality that the government was there to ensure that resources were evenly distributed and inequities balanced and that the way to achieve this was via a progressive system of taxation. All of which, no doubt, would position me as a statist, someone who believes in the illusion of government operating for the good of all.

The reality, of course, is that government is in the business of extorting money out of people and, should they not pay, locking them up in cages. Council Tax is a prime example of this – Councils commit fraud on people by forcing them to pay even when there is no contractual arrangement between them and the individuals involved. Why should one be forced to pay for ‘services’ which one does not use or require?

Nineteen years on, I can only shake my head at my former self and how I had fallen for the indoctrination of the cultural Marxists and their ilk. I now know that the public education system exists for the purposes of mind control, that all taxation is theft, that government is nothing more than a huge extortion racket, that it is the biggest murderer of people ever and that the politicians are mere puppets who are being played by the hidden hand of the banking and state/military industrial complex. The UK government is most certainly not sovereign on the simple basis that it does not issue its own money and/or credit: all of it is controlled by the Bank of England, which in turn is controlled by the Crown House of Rothschild.

In short: it is all about control and the most expedient way to control the people is through the financial system. All of which, logically, leads me to view that the only way to create free peoples is to educate them to think for themselves.

“The secret of freedom lies in educating people, whereas the secret of tyranny is in keeping them ignorant”

Maximilien Robespierre.

None of that which I have learned concerning the hidden reality of our existences can I magically ‘un-know’ –  and why should I wish to? The red pill has been popped. There can be no turning back. Indeed, how could one go back into such a system knowing what one knows? It would mean slipping into an intolerable state of self-delusion.

For all that, some who claim to have popped the red pill are unaware that they have further to go – especially when they continue to place their faith in the corrupt government and its self-serving politicians.

It is very easy to regret one’s decisions yet perhaps harder to remember one’s own larger purpose.

When we pay attention, life unfolds purposefully. Connections with others, shared understandings, a sense of purposefulness fall on us as divine blessings.

Now, this site does not get many visitors but, rest assured, those who are here to read these posts are those for whom I write. When one enjoys that sense of one’s connections with others, it can lead to revelatory moments at which point it is possible to step into one’s powers and realise that our actions do have an impact on the consciousness of mankind.

Does that make me an optimist? Possibly, but consider this: could it actually be I am a realist instead? Or, what about a realistic optimist?

It seems logical to me that the system is wholly based on compliance and, when that can not be had, it uses violence against the individual, regardless of the absence of agreement. That is the ‘might is right’ modus operandi; the opposite of which is voluntary association. Every one is free to enter into an agreement/contract with any individual or entity he chooses and, it thus follows, no one has the right to force bogus contracts on any one. It boils down to right and wrong – which is always matter of conscience.

By way of illustration, here is an entry on David Thoreau concerning Individualist anarchism:

“(Thoreau’s) essay Civil Disobedience (Resistance to Civil Government) was first published in 1849. It argues that people should not permit governments to overrule or atrophy their consciences, and that people have a duty to avoid allowing such acquiescence to enable the government to make them the agents of injustice. Thoreau was motivated in part by his disgust with slavery and the Mexican–American War.

The American version of individualist anarchism has a strong emphasis on the non-aggression principle and individual sovereignty. Some individualist anarchists, such as Thoreau, do not speak of economics but simply the right of “disunion” from the state, and foresee the gradual elimination of the state through social evolution.” Wikipedia

The power to abolish the oppressive tyranny of the state lies solely with the people – a fact that the apparatus of the conditioning system known as state education utterly fails to address on the simple basis that to do so would almost certainly hasten its demise.

It can be somewhat depressing to realise that the entire system is fraudulent –  for example, many do realise that Council tax is extortion and the Banking sector is an elaborate illusion. But what are they doing about it? The answer is to learn the nature of the illusion via self-education and then educate others:

“Self-education is, I firmly believe, the only kind of education there is.” ― Isaac Asimov

Consensus reality rightly dictates that if something is borrowed, then it must be returned. However, in the case of a mortgage or, indeed, any ‘loan’ from a bank, nothing is loaned – credit is merely extended by way of the signature of the one who is falsely labelled the ‘borrower’.

On the subject of the fraudulent banking system, which is exposed in all its gory detail in the documentary, the Great British Mortgage Swindle, what would you do if you had the means to redeem your mortgage whilst simultaneously having the full knowledge that your mortgage is void and that no loan ever factually took place? Would you not seek to challenge the bank to prove there is a valid lawful mortgage and that the bank can prove it made a loan before handing over tens of thousands of pounds?

Antonio Horta-Osorio, CEO, Halifax

In the following actual situation the ‘mortgagor’ is in the genuine position of being able to pay off the alleged balance  in full. Thus, his request of AntonioHorta-Osorio (left), the CEO of the purported lender, ‘the Halifax’ (part of HBOS) is sincere.

Remember too, if the mortgage was valid then there should be no problem with the bank producing the requested items in exchange for him settling the balance. The following redacted correspondence reveals the full extent of the CEO’s obfuscation of the facts and the fraudulent nature of the banking swindle.

The reader is encouraged to take note of the stipulation that this is in no way to be treated as a complaint.

The response from the CEO’s underling, Wendy Zeal, completely ignored that fact:

Antonio was provided with another opportunity to respond in substance and was helpfully furnished with a copy of Professor Richard Werner’s investigation that demonstrates how banks create money out of thin air:


The next response from the same office was again characterised by blatant misrepresentation:

A short and to-the-point response was sent to Antonio’s Office of the Chief Executive:

Once again, his willing partner in the fraud, Wendy Zeal, sent a reply that amounted to another misrepresentation of the facts. Remember, this is a genuine attempt to redeem the mortgage:


Now, let’s consider what is going on here.

Firstly, it is clear from the correspondence that Antonio, the CEO, is denying a customer the chance to settle the balance on an alleged mortgage. That is an unlawful action. Why is he doing so?

Secondly, by treating it as complaint, he and his minion, Wendy Zeal, are committing fraud by misrepresentation, in breach of the 2006 Fraud Act, of which section 2 states:

Fraud by false representation

(1) A person is in breach of this section if he—

(a) dishonestly makes a false representation, and

(b) intends, by making the representation—

(i) to make a gain for himself or another, or

(ii) to cause loss to another or to expose another to a risk of loss.

(2) A representation is false if—

(a) it is untrue or misleading, and

(b) the person making it knows that it is, or might be, untrue or misleading.

(3) Representation” means any representation as to fact or law, including a representation as to the state of mind of—

(a) the person making the representation, or

(b) any other person.

(4) A representation may be express or implied.

(5) For the purposes of this section a representation may be regarded as made if it (or anything implying it) is submitted in any form to any system or device designed to receive, convey or respond to communications (with or without human intervention). Source

Now, for anyone with a fully functioning brain, the responses from the CEO of the Halifax are clearly fraudulent, as defined by the legislation. Why so?

Could it be that he is unable to provide the requested items?

Why doesn’t he simply state that whilst he cannot hand over those items, the mortgagor can still go ahead and redeem his mortgage, as is his long-established right?

Has he got something to hide? A search engine quickly reveals that Antonio is certainly not the most honourable of men. An internal memo from him to all employees of the Halifax stressed that they should at all times behave in ways that are morally correct. Yet, a few months later, Antonio was caught, in flagrante delicto, cheating on his wife – an act which purportedly resulted in him having his annual salary cut by a mouth-watering £3 million.

Assuming that she is a capable and intelligent woman, Wendy Zeal, by going along with the misrepresentations of her boss, is also complicit in the fraud. She would do well to heed some advice from scripture:

“You shall not spread a false report. You shall not join hands with a wicked man to be a malicious witness.” Exodus 23:1 23

Whilst the situation is not over yet, it starkly illustrates the almost casual fraud and arrogant behaviour of those working in the higher echelons of the Rothschild Central Banking Game and how the system treats its mortgagors with contempt. The reader is also reminded that HBOS, of which the Halifax is part, were bailed out by way of stolen taxes to the tune of £45 billion when it failed some ten years ago.

TBGMS: Are you ready to take the red, white and blue pill?

Of course, the colossal failures and fraud of those who operate at the higher end of the corrupt banking system are revealed in The Great British Mortgage Swindle. The question is are the British people ready to pop the red, white and blue pill and do something about it? Or, are they content to live in a state of financial and spiritual enslavement to a system of fraud and control that extorts them at every opportunity?

And, for the avoidance of doubt, any blue pilled individual who fancies having a dig is encouraged to engage his brain first and stick to the facts. Don’t take my word for it that the system is rigged: here are the words of the former governor of the Bank of England (you know the entity that runs the entire shit parade that passes for a finance) –


Acknowledgment: a huge thank-you to David R for his continued support. It is truly appreciated.

As times are financially perilous on the home front, any donations will be most gratefully received. Please use the donate button.  Thanks.


6 thoughts on “TGBMS: the Fraud of Antonio Horta-Osorio.

  1. Have just come across your blog. Excellent article, thank you. Your view of a solution is rather similar to my own, recently published here:

    If you send me your address privately I will forward a free copy to you.

    Best regards,

    Kevin Boyle
    (like yourself, a teacher [physics/maths] who had to get out after ‘waking up’ to that of which I was part … sod it … after waking up to what I was part of … bleeding English teachers!)

    1. Morning, Kevin and thanks for taking the time to comment. That looks like a fascinating read – some are of the view that the Protocols were delivered by one of the Rothschilds to a number of highly placed masonic banksters, which makes sense to me. So, thanks for the offer, I’ll drop you a line as I will be delighted to read it. Great to hear from some one else from the ‘chalk face’ who woke up to the nefarious antics of the (mis)education system!

      All the best.

  2. Another excellent article which I will attempt to share with a couple of fb groups to help spread the knowledge! Looking forward to reading the next ‘chapter’. As you know I had a similar experience with GE Money who also used the ‘complaint’ reply! I wish I had access to your well written letters to the CEO at the time!

  3. RM, salute.

    I note that you have previously posted a video of Prof. Richard Werner, explaining how the Banksters create ‘money’ from thin air…well you may wish to to read the the following paper by the very same Prof. Richard Werner explaining the Empirical Truth of his claim in the video:

    I apologise if you have read this before but, your readers may not have and I feel that it would be worth their time to read, ‘understand’ and digest this powerful piece of research.

    Although it is a long read, the gist of the paper is this: The Prof. asked a local German Bank if he could ‘follow the money’ from the Loan application to the time it appears in his ‘deposit account’ and inspecting the ‘end of business day’ accounts over this period, and to his and the Banks’ Directors surprise MAGIC happens…who’d a thought?


    1. Greetings, ‘inmate’ and thanks for the taking the time to comment.

      Yes, the research paper by Prof Werner provides the incontrovertible evidence that ‘money is created out of thin air’. I have written about it before and a download of the pdf can be found at the foot of this article, ‘The Financial Sleuth’.

As of January, 2016 comments are open... cheers!