And No-Body is actually holding it.

Part One: How the Too Big To Fail (TBTF) Financial Institutions Have Hoovered Up Your Mortgage Deed.

For some 10 years now, I have been stating this: a Possession Hearing at the County Court is a Shit Show that always attempts to obfuscate the fact the purported lender is no longer in possession of the valuable security known as the Deed of Mortgage.

The one I attended last Friday, 17th November, 2023 was no exception. I’m not going to go into the details of what, in the final instance, did NOT happen but I will draw the reader’s attention to a number of salient facts:

1. The alleged defendant, Steve, is deaf, as anyone who knows him will confirm.

2. It is a fact that a ‘hearing’ in which one of the parties cannot hear is a nullity by definition.

3. Steve had an application in for an order of full disclosure of the documents the claimant, Nat West PLC, is relying upon – among them being, a legal contract/agreement for a mortgage that satisfies Section 2 of the 1989 Law of Property Act, the accounting of the purported loan (showing where it originated and where it went), a valid Power of Attorney that conforms with the Powers of Attorney Act, 1971.

4. The order for disclosure also requested that the bank provide the original Deed of Mortgage, with the required wet ink signatures thereon.

The shit show began with the court being moved to another building, ‘The Family Court’ at Nottingham, which Steve had not been notified of.

The ‘security’, peopled by dullard operatives, was absurd in its rigmarole.

It was the 4th hearing, the others each being adjourned because Steve cannot hear what is being said. The presiding judge outrageously questioned whether Steve is really deaf and suggested the hearing loop was working fine as 3 people (with full hearing abilities) had tested it.

When Steve told the judge he could not hear him, District Judge Nunn instructed that the desk be brought a couple of yards closer to his. 

Throughout the hearing, Steve kept informing the court that he could barely hear and that 90% of what the Judge was stating was inaudible. Nunn insisted that he be allowed to plough on and that ‘we will do our best.’

He did indeed plough on regardless with the inevitable consequence (of which he had been warned) that he illogically and purportedly ‘decided’ that photocopies and electronic scans of the incurably fraudulent Mortgage Deed were perfectly acceptable, even when fraud is being alleged as is the case here.

His decision to refuse the application is a gross failure to apply the law on his part. This is why:

In Bracegirdle v Oxley and Canley [1947] KB349, Lord Bingham expressed: “it is obviously perverse and an error of law to make a finding of fact for which there is no evidential foundation.”

It is also worth noting that Judge Nunn was most anxious that the term, ‘Holder-In-Due Course’ be not used. Why was the DJ so allergic to the expression, Holder-In-Due Course?

I’ll tell you why. Judge Nunn knows that the Note has been securitised, bought and sold many times over and that the original, albeit fraudulent deed, can never be materialised as it is held in a vault at one of the world’s clearing houses, as controlled by the psychotic financiers who slop around like Gollum in the dimly-lit corridors of the one ring that controls all.

Consequently, it stands to reason that he is also aware that Nat West PLC is NOT the Holder-in-Due-Course of the deed and, therefore, has no standing whatsoever to begin a possession claim. This also pulls their legal representatives/debt collection agency, ASCENT of Manchester into the fraud. Said entity has also refused to provide the data requested in a DSAR, sent over a month ago.

In all seriousness, I cannot call the hour and a half I spent in the phoney court room a ‘hearing’ in any real sense – for how can a hearing take place if one party cannot hear? It was, therefore, an absurdity and his order must be set aside on that ground alone. After all, how can Steve consent to an order that he has not heard and thus been unable to refuse?

Then, of course, we had Judge Nunn blathering on about the familiar Costs threat – effectively saying that the longer this goes on and the more Steve challenges their bullshit, the more he will rack up in costs against him, thereby depleting the house of its equity. In other words, said judge was asserting defeat would be inevitable and Steve should back down now.

So, why did the judge go to such extremes of effort to cover up the salient issue of who is the holder in due course of the mortgage deed and deny the order for disclosure?

The simple answer is that he is a traitor who is in service to another master and not the British Public.

Who owns him? Whilst that question is between him and his maker, we can certainly establish that the mortgage deed is ‘owned’ by one of the Clearing Houses that takes deposit of them in its vaults, along with a plethora of other securities, notes, bills, derivatives and other associated instruments of magic.

How this came about will be shown in Part 2 of the article.

In the meantime, if you are able, please consider making a donation via the Buy Me a Coffee button in support of my work in exposing the Great British Mortgage Swindle and the other various scams that hold sway in this crazy realm. All the best to each and every reader, especially David R who has supported my efforts for a number of years now.