Fraud, contrary to what an ill-educated cop or lawyer might claim, is criminal, especially when it comes to the Great British Mortgage Swindle.

As we all know, to be a liar it is essential that you have a good memory, as demonstrated by the endless lies of those who would claim to rule the world. Lying on behalf of the fraudulent banks takes a special kind of liar and where better to find such than in a legal firm?

The directors of the legal firm TLT, having been informed of the facts, are now culpable for every fraudulent possession claim they make on behalf of their clients, the UK Mortgage providers.

The following missive is reproduced courtesy of Sean Goddard who is facing a fraudulent possession claim by the Co-operative Bank and its CEO, Nick Slape. It is addressed to the Managing Directors of TLT, whose mugshots can be viewed below.

Of TLT, Wikipedia states,

TLT LLP is a UK law firm headquartered in Bristol. It was named Law Firm of the Year at The Lawyer Awards 2021. Based on its revenue, TLT was among the top 50 law firms in the UK in 2020, according to The Lawyer. Its revenue was £110m in 2020–21; this represents an increase of 11% on 2019–20 (£98.8m) and a 25% rise on the 2018–19 figure (£87.6m).The firm employs over 1,000 staff. The firm has offices in London and Manchester, Glasgow, Edinburgh and a Northern Ireland subsidiary in Belfast. Overseas, the firm operates an office in Piraeus, Greece. It also has strategic partnerships with European firms GSJ advocaten in Belgium and Holla in the Netherlands to deliver international cross border services for clients.

History

TLT was created in 2000, following the merger of two Bristol based law firms, Lawrence Tucketts and Trumps. Trumps was formed in the 1950s and Lawrence Tucketts in 1985. The earliest strands of both firms go back to the 1800s.

In 2005, TLT acquired niche financial services practice Lawrence Jones and expanded into London. In 2007, TLT acquired commercial law firm Constant & Constant, which doubled the firm’s London presence. In 2010 TLT moved to new offices in the City of London.

Eight of the firm’s practice areas are top ranked by Chambers UK and 80 of TLT’s lawyers are ranked as leaders in their field by the legal guide. Wikipedia

Although a void possession claim has been issued by the County Court, Sean continues to resist the fraud that is TGBMS. Remarkably, he has managed to uncover the material evidence that demonstrates beyond all doubt that the Co-op Bank is NOT the Holder in Due Course (HIDC) of the mortgage (note) which means its possession claim is a fraud upon the court as well as upon Sean.

It also means that in the event TLT and its client do not back down, those managing directors will be leaving themselves wide open to Private Criminal Prosecutions (PCP) and to Common Law Liens being perfected against their properties.

I am returning this pile of clap-trap to you as there is nothing in this which is anything approaching the truth, ESPECIALLY the rubbish you and others in TLT wrote. All relevant evidence has been extracted, and is being compiled with a view to being laid before a magistrate with a view to seeking private criminal prosecutions against all involved in the matter. If all goes well, arrest warrants should be issued, and whether or not prosecution is successful, being arrested would mean that names of those arrested could be made public. No doubt that would, at best, harm or, at worst, destroy the careers of those implicated. It could also bring the reputation of their employer into question.

 

The only way TLT could win any such cases is by lying, and it is now obvious that TLT have a standard (abuse of process) practice in order to win cases. Your collusion with the corrupt, and inept judiciary to enact fraud has, so far allowed you to get away with your crimes.

I am happy to publicly call you and others you “work” with liars (I have named you on social media quite a few times now) so that anyone who ends up on the receiving end of your criminal practices will be aware of them, and can deal with them appropriately.

 

It is patently obvious that no one in the matter understands the complexities of the fraud perpetrated by your client. However, there are those in the “real world” who do, and they are now part of an active investigation involving the SFO, who have reached out to me via a third party and requested I provide evidence of your client’s (and TLT’s) activities.

 

I have also received a communication from one “Avon Finance No.1” stating that they are now the owners of my mortgage and that any payments I make must be to them. In this communication, they state they bought the mortgage in 2022 from a company called “Isle of Wight Homeloans” as part of a “re-financing deal” due to, it would appear, your client failing to pass on funds to the investors (we know the Co-op bank has ripped off “bond” holders, so there is no reason to doubt they wouldn’t do likewise to “investors”).

 

Of additional information, it would appear that your client has lost FCA authorisation to administer regulated mortgages due to a technical error in the documentation for the initial sales in 2015, yet the FCA and your client continue to act as if nothing has happened, probably because neither is aware of the fact.

 

Further, GMAC related information has been obtained and, when combined, and referenced with Land Registry information appears to point to a large number of your clients’ mortgages having not been transferred correctly providing a good many of their customers with a valid and solid defence (should their attention be brought to the matter and how to apply the information).

 

If your client had simply been open and honest from the start, they would not now be facing the inevitable, and neither would you and TLT.

 

Like TLT, your client believed that no one would ever find out what they had been up to, and how, but being total strangers to anything resembling the truth, they pushed a number of their customers to the point where they have pooled research resources and now are fighting back with the sole aim of causing your client maximum financial damage, and it looks like “we” are on the verge of doing just that. To paraphrase Ronald Reagan, “They counted on customers to be passive, they counted wrong”. The problem being that they think they are clever, they are most definitely NOT and may be viewed as, essentially, intellectual midgets.

 

Look at what Bank of Scotland were up to with their GRG unit. “We” have uncovered information that appears to indicate your client was engaged in similar activities. It seems your client was seeking possession orders using “manufactured” reasons (such as arrears created by excessive charges, random penalties, infractions of mortgage conditions etc). A third part company (owned by the then directors, or associates thereof) purchased these properties at knock-down price, then selling, either directly (at a loss) to other companies owned by their then directors who subsequently sold these properties for personal gain or simply selling them on the open market. The initial purchasing company continually reported a loss, and your client, probably then pursued the property owners for the fraudulently manufactured short-fall.

 

As the above would be classed as blatant fraud, there is no timescale on the ability for victims to take action against your client, again, should they be made aware of this information.

 

I might suggest that those involved should be working as many hours as possible to amass a cash buffer, because when all this is made public, it won’t end well, and criminal defence lawyers don’t come cheap, especially when the evidence is incontrovertible.

The facts are plain. What will TLT do now? After all, any one with a brain cell would cease and desist at this point and, of course, TLT, under the Solicitors Regulation Authority (SRA) and those agents who represent TLT in court are duty bound to inform the court of these facts, regardless of how damaging they are to CEO Nick Slape and his predecessor, Andrew Bester of the Co-Op Bank.

Watch this space.

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