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Master the Spreadsheet Costings - They Do Not Lie - They Will Save You £000's |
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PRESS RELEASE 01-Oct-03 - Note: Bank base
rate was 3.5% at that date, it is now 4.50% - updated costings are now
available on www.RipOffsAndScams.com The
Financial Service Authority & the Banking Code Standards Board Are
Deliberately In League With Many Of The Big Players (the Uncompetitive
Service Providers) In The Financial Services Industry To Deliberately
Allow Thieving Through Frauds, Rip Offs and Scams Against The Trusting
British Public Totalling At Least £2,295,466,250,000.
My name is James Stewart, I
was the Managing Director of EuroCar DIRECT (UK) Ltd. from Feb-99
until Nov-02. I
successfully imported cars to the value of £20,000,000 in two and a
half years, and was included in “Who’s Who Of British Business
Excellence” as MD of one of the fastest growing companies in the UK.
I am currently the Managing Director of Remortgage
NOW. Whilst there is in existence a
Lloyds TSB tariff of bank changes relating to international transfers,
Lloyds TSB most definitely have NO tariff, NO price list, NO mention
in Terms and Conditions, or NO other document in existence which
advises or informs customers or allows Lloyds TSB to exchange sterling
into currency at anything other than the proper international exchange
rate. Despite this being reported to
both the Financial Services Authority and the Banking Code Standards
Board on 03-Jul-03 with clear supporting documentation, NO action
whatsoever has been taken by either of them to stop Lloyds TSB ongoing
Fictitious & false exchange rate fraud, and is still ongoing in
every branch every day, and has netted them at least £29,000,000,000
in the last ten years, which is a very conservative calculation,
taking information from Lloyds TSB annual accounts. The FSA, in an unsigned letter
dated 04-Aug-03, merely stated “We regret that we cannot respond to
all queries individually”. On the 06-Aug-03, the same day that the above
letter was received from the FSA, I and my friends visited over 100
Branches of Lloyds TSB, requesting the rate to transfer E 50,000 to
Spain. Lo and behold in every single Branch they brought out the False
Exchange Rate Sheet which IS STILL headed “MUST NOT BE FAXED OR
COPIED TO CUSTOMERS” and either quoted or showed us the Euro rate
which today is 1.3558. So not only are Lloyds TSB continuing their
countrywide fraud, after it was reported to the FSA, they have
actually upped the "Scam" to 4.2%. Therefore today there are
stealing 4.2% from every single customer who makes a foreign transfer.
There are continuing this fraud with the blessing of the FSA,
as without a public warning being issued by the FSA, the FSA is
deliberately leaving consumers at 100% risk of fraud when dealing with
Lloyds TSB. The BCSB, in a letter dated
27-Aug-03, from their Chief Executive Seymour Fortescue, stated “You
raise a valid point concerning Lloyds TSB practice of using internal
exchange notifications. I
am taking this up with them and I am also enquiring about the practice
of other major banks”. However, in an E Mail the
following day he stated “You are completely incorrect to state that
Lloyds TSB is being investigated by the Banking Codes Standards Board.
We are looking at the practice of Lloyds TSB and other banks, and may
decide whether to recommend a revision to the Banking Code.” A revision of the banking code
to cater for thieves!!!!! 2/
THE FINANCIAL SERVICES AUTHORITY Yet, the Financial Services
Authority state the following four directives on their web site:- What we do We are an independent body that regulates the
financial services industry in the UK. We have four main aims: Maintaining confidence
in the UK financial system. We achieve this by, among
other things, supervising exchanges, settlement houses and other
market infrastructure providers; conducting market surveillance; and
transaction monitoring. Promoting public
understanding of the financial system. We help people gain the
knowledge, aptitude and skills they need to become informed consumers,
so that they can manage their financial affairs more effectively. Securing the right
degree of protection for consumers. Vetting at entry aims
to allow only those firms and individuals satisfying the necessary
criteria (including honesty, competence and financial soundness) to
engage in regulated activity. Once authorised, we expect firms and
individuals to maintain particular standards set by us. We monitor how
far firms and individuals are meeting these standards. Where serious
problems arise we investigate and, if appropriate, discipline or
prosecute those responsible for conducting financial business outside
the rules. We can also use our powers to restore funds to consumers. Helping to reduce
financial crime. Our work focuses on three main types of financial
crime: fraud and dishonesty; and criminal market misconduct such as
insider dealing. Sounds
good, but they are deliberately not doing it.
A “Bent Bank” and without a substantiated and complete
response from the FSA or the BCSB, Failed Regulators. Therefore
this simply pushed me into investigating what else Lloyds TSB were up
to and what else the FSA was turning a blind eye to.
The results were unbelievable.
The thieving by Fraud, Rip Offs and Scams totalled at least £2,295,466,250,000. 3/ WHAT ELSE ARE LLOYDS TSB UP TO!!!!! I
examined Lloyds TSB charges against a more competitive Service
provider, like the Nationwide. The
savings available and the Lloyds TSB Rip Off Charges were utterly
unbelievable, as follows:- A/
Calculated Fact - including an Interest Only Mortgage: Simply by transferring from
Lloyds TSB Bank to a Competitive Service Provider like the Nationwide,
an average person, like you or I, with a 25 year ‘Interest Only’
£100,000 mortgage, a £2,000.00 overdraft facility on our current
account, a £2,000.00 limit on our credit card, and a car loan for £15,000.00
every five years - would save a staggering £3,078.48 in the first
year, and an absolutely unbelievable £73,625.10 over the 25 year
period. This is made up as follows:- Total Annual Savings -
Including an Interest Only Mortgage Simply by swapping your
mortgage, current account, credit card and loan from Lloyds TSB Bank
to a Competitive Service Provider - each year you would save £1,780.00
on your mortgage, £211.00 on your current account, £361.00 on your
credit card and £726.48 on your loan.
This amounts in total to a staggering £3,078.48 in the first
year and £2,939.48 in the following years. Total savings Over the
Remaining Period of Your Mortgage Over the normal 25 year period
of the mortgage, if you switched from Lloyds TSB to a competitive
Service Provider you
would save £44,501.10 on your ‘Interest Only’ mortgage, £5,275.00
on your current account, £5,689.00 on your credit card and £18,160.00
on your loan. This totals
to a saving of an unbelievable £73,625.10 over that period. B/
Calculated Fact including a normal Capital & Interest
Repayment Mortgage: Simply by transferring from
Lloyds TSB Bank to a Competitive Service Provider, like the
Nationwide, an average person, like you or I, with a 25 year
‘Capital & Interest Repayment’ £100,000 mortgage, a £2,000.00
overdraft facility on our current account, a £2,000.00 limit on our
credit card, and a car loan for £15,000.00 every five years - would
save a staggering £2,440.12 in the first year, and an absolutely
unbelievable £57,664.93 over the 25 year period. Total Annual Savings -
Including an Capital & Interest Repayment Mortgage Simply by swapping your
mortgage, current account, credit card and loan from Lloyds TSB Bank
to a Competitive Service Provider - each year you would save £1,141.64
on your mortgage, £211.00 on your current account, £361.00 on your
credit card and £726.48 on your loan.
This amounts in total to a staggering £2,440.12 in the first
year and £2,301.12 in the following years. Total savings Over the
Remaining Period of Your Mortgage Over the normal 25 year period
of the mortgage, if you switched from Lloyds TSB to a competitive
Service Provider you
would save £28,540.93 on your ‘Capital & Interest Repayment’
mortgage, £5,275.00 on your current account, £5,689.00 on your
credit card and £18,160.00 on your loan.
This totals to a saving of an unbelievable £57,664.93 over
that period. C/
Save £93, 075 By Transferring From A Lloyds TSB Interest Only
Mortgage Which Only Costs £6,925 More Than The Most Competitive
Newcastle B/S Normal Repayment Mortgage Whilst a normal Repayment mortgage from a really
competitive mortgage provider, like the Newcastle, at 4.0%, will only
cost £144,426 in total, being interest of £44,426 and capital of £100,000. So for a mere additional £6,925, the customer
repays the loan amount of £100,000 and cuts 3 years 10 months from
the mortgage term, provided the customer maintains the uncompetitive
Lloyds TSB’s Cheltenham & Gloucester capital & interest
repayments and does not reduce to the lower repayments of the
Newcastle. 4/
WHAT ELSE IS THE FINANCIAL SERVICES AUTHORITY TURNING A BLIND
EYE TO!!! A/
The Interest Only Endowment Mortgage - The Biggest Scam Ever
Perpetrated on The British Public These were aggressively sold on management driven
false & bogus promises that they were cheaper, that they would
definitely pay off the home loan and also provide an additional tax
free lump sum, a sham, a tissue of lies - the original “Honey
Trap”. Never has the British Public been the victim of
such a vile combination of blatant lies and management driven bullying
financial thugs, posing as advisors, deliberately conning their
unsuspecting customers. A1/
Interest Only Mortgages - The Massive “Secret” Additional
Interest Charge On an average mortgage of £100,000 over 25 years
at the supposed “industry norm” of 5.5%, an Interest Only Mortgage
costs the customer an additional 63.3% interest when compared to a
normal Repayment Mortgage. The interest charge on a normal Repayment Mortgage
is £84,225, and the interest on an Interest Only mortgage is £137,501,
costing the customer a staggering additional £53,276 in interest,
because the full amount is owing for the full period, whilst the
balance and consequently the interest charges go down over the period
on a normal Repayment Mortgage. This is a “definite” additional interest cost
of £53,275, being an additional 63.3%, leaving just £46,725 to
magically reach a capital amount of £100,000 after 25 years, just to
break even with the cost of a Repayment Mortgage. Even at say 5% bonus per annum, and an endowment
management charge of say 2%, it would cost £52,125, and of course is
“conditional” whilst the additional interest charge is
“definite”. Had the British Public been correctly presented
with all of the facts and costings including the “definites” and
the “conditionals”, regarding an Interest Only Endowment Mortgage
when compared with a Repayment Mortgage not one single person in the
UK would have taken out an Interest Only Endowment Mortgage. As a reasonable calculation of gross overcharging
and of course the savings to be made, if there are 15 million people
currently paying interest only mortgages with uncompetitive mortgage
providers, and statistics state that the average mortgage is £100,000,
then by completing the following calculation, £53,276 interest
savings x 15,000,000 people = £799,140,000, yes 799 Billion. A2/
Endowment Shortfall Timebomb The Interest Only Mortgage facts above are now
further compounded by the fact that many Service
Providers in the Mortgage industry will not now accept
endowment mortgages or remortgages.
Most others will only accept them if the loan value to house
value does not exceed 50%, 66% or 75%, in view of the “expected”
massive further shortfalls well known about within the industry. The
FSA & the BCSB prefers to do nothing, letting the “puppet”
ombudsman block all apart from the most tenacious and persistent
future complaints. Yet,
unless something is done now, the next 20 years will be fraught and
horrendous for everyone in the Financial Services Industry as well as
the British Public and there will be no trust left whatsoever. As a reasonable calculation of the average expected
Endowment shortfall within the Mortgage industry, we do the following
calculation:- £100,000 Mortgage x 37% average shortfall = £37,000 x
15,000,000 people = £555,000,000, yes another 555 Billion. The reality of this is that the unsuspecting
British Public, the ”victims”, will undoubtedly not have enough
money to pay off their home loan, threatening them with abject poverty
in old age or even homelessness. 5/ THE MORTGAGE RATE SCAMS AND RIP OFFS The
uncompetitive Mortgage Providers charge between 17.5% and 47.3% more
interest than competitive Mortgage Providers - big balances x small
percentage differences on interest rates equal massive additional
mortgage interest charged. Even
if people have a normal Repayment Mortgage, recent statistics show
that 75% of people are still with the wrong mortgage provider, and
that many are even remortgaging from competitive Mortgage Providers to
uncompetitive Mortgage Providers due to falling for the following
Scams and Rip Offs. A/ The Published Mortgage Rate If
you look in any newspaper on the financial pages for the Interest
Rates section, it will always quote the uncompetitive “Halifax
Mortgage Rate” of 5.5% which is the “Standard variable Rate”
utilised by many of the bigger limited companies who supply mortgages,
yet is completely misleading, as many Mortgage Providers, particularly
mutuals, like the Nationwide offer around 4.5% and some, like the
Newcastle, even offer a special mortgage at 4.0%. The
differences and savings on interest charges, over the full period of
the mortgage are very substantial, and are as follows:- Special
note: For comparison
purposes there are two lines for each saving, one where you reduce
your monthly repayments according to the competitive Service Providers
minimum monthly repayment. The
other where you maintain the uncompetitive Mortgage Providers Monthly
Repayments (because you can afford them and they are what you are used
to), and the combination of the resultant overpayments and the lower
interest rates make the interest savings even more substantial. Interest
Only Mortgage Interest
Charged
Savings
Uncompetitive
5.5%
£137,500 Competitive
4.54%
£93,000 £44,501 (32.6%) Maintain
Current Repayments Competitive
4.54%
£113,500
£24,000 (17.5%) Reduce Current Repayments Competitive
4.0%
£73,235 £64,267 (46.7%) Maintain
Current Repayments
Competitive 4.0%
£100,001
£37,500 (27.3%) Reduce Current Repayments Repayment
Mortgage Interest
Charged
Savings Uncompetitive
5.5%
£84,225 Competitive
4.54%
£55,684
£28,541 (33.9%) Maintain Current Repayments Competitive
4.54%
£67,430
£16,795 (19.9%) Reduce Current Repayments Competitive
4.0%
£44,426
£39,799 (47.3%) Maintain Current Repayments Competitive
4.0%
£58,350
£25,875 (30.7%) Reduce Current Repayments Extra Interest on an Interest Only Mortgage
Savings Uncompetitive
5.5%
£53,275
£53,275 (38.7%) Maintain Current Repayments Competitive
4.54%
£37,316
£37,316 (40.1%) Reduce Current Repayments Competitive
4.54%
£46,070
£46,070 (40.6%) Reduce Current Repayments Competitive
4.0%
£28,809
£28,809 (39.3%) Maintain Current Repayments Competitive
4.0%
£41,651
£41,651 (41.7%) Reduce Current Repayments These
are massive savings, and particularly if you currently have an
Interest Only Mortgage with an uncompetitive Mortgage provider, as you
would ADD the two appropriate savings together. B/ The 5 Year Mortgage Costing Scam Whenever
you read a newspaper or a magazine when they compare Mortgages and
show savings they invariably only show a 5 year costing, which gives a
totally false prospectus of the real situation and true overall
interest cost, and consequently enables the many uncompetitive
Mortgage Providers to continue to Rip Off their customers.
If they showed the overall Interest cost no-one would ever even
consider taking out a mortgage with a Standard variable Rate of 5.5%
or above. C/ The Latest Honey Trap - The Short Term Headline Rate Short
term gain for long term pain. The
latest honey trap, as a general rule of thumb, the lower the initial
discounted rate the higher the ensuing Standard Variable Rate. Quite
obviously the Mortgage Providers want to get at least one product as
high up the “5 Year Costing” as possible.
In an article By Simon Watkins of the Financial Mail on Sunday
dated 28-Sep-03, Luqman Arnold, Chief Executive of Abbey National told
them “Banks play a clever game with best buy tables.
They design one product to appear in the tables and then play
on the halo effect that benefits all its products.
Everybody uses them cynically”. D/ Fact Find The
fact find sheet was instigated by the FSA after the mis-selling of
Endowments first reared its ugly head.
Financial Advisors, when giving advice, must complete the Fact
Find sheets for their prospective clients to enable them to source the
most suitable mortgage, and one of the filtering questions, brought on
by the mis-selling of Endowments is now “What is your attitude to
risk?”. However,
there is NO question that asks “Do you want the cheapest mortgage
(or remortgage)?” or “Do you want to save money on your existing
mortgage?” If
those two question was actually included then of course no-one taking
out a mortgage through a financial advisor would ever take out a
mortgage with the bulk of the big limited company Mortgage Providers
whose Standard variable Rate was 5.5% or more, and no financial
advisor would ever recommend a single mortgage with the bulk of the
big limited company Mortgage Providers whose Standard Variable Rate
was 5.5% or more. E/ Deliberate Confusion Unnecessary
complicated products, full of technical jargon, the “higher”
published Mortgage Rate, the Five year costing scam, the
latest Honey Trap - the short term headline rate, the lack of “Do
you want the cheapest mortgage” or “Do you want to save money”
on the Fact Find, all cleverly and deliberately designed to cause the
maximum confusion to the customer. For
if the products were simple, with plain language customer documents, a
true costing comparison over the full term of the mortgage, it would
be quite simple to pick a truly competitive Mortgage from a keenly
competitive Mortgage Provider. As a reasonable calculation of the average
overcharging and consequently savings to be made by easily being able
to choose a truly competitive Mortgage, we will be conservative in
this calculation and take the savings available by swapping to the
Nationwide, again based on a £100,000 Normal Repayment Mortgage over
25 years, in the
following calculation:- (75% of 15,000,000 people) x savings of £28,541
= £321,086,250,000, yes another 321 Billion. 6/
THE PENSIONS CRISIS Another Scam allowed to happen
and not sorted by the FSA. The Pension Funds shortfall is
not merely because the share prices collapsed, it is because most
companies took an employers pension contributions “holiday” during
many years of the 90’s, which has been well documented but not well
publicised, and should be easily checkable for any individual company
by merely ordering a copy of their Annual Accounts for the appropriate
years from Companies House. As a conservative calculation,
if there are 15,000,000 people with a pension, and their average
earnings are £25,000 and that the “Employers” Pension
Contribution is 8%, and that the “Employers” Pension Contributions
were not paid for 10 during the 90’s. Therefore by doing that
calculation - in one year that makes a shortfall of £30,000,000,000
(30 Billion) - and in ten years it makes a shortfall of £300,000,00,000,
yes 300 Billion. Which of course, if these
amounts had been paid to the pension funds there would not have been
any shortfall whatsoever, even with the stock market going down. A normal working person would
make the reasonable assumption that they must have a contract of
employment, which most definitely must surely include the details and
percentages regarding the “Employers” contribution to their
pension fund. Therefore that contract of
employment was broken, and every person affected in the UK should
initially complain to their employer and demand relentlessly that the
“missed” payments be made. The real reasons, above for
the Pensions Crisis, have never ever been mentioned in the papers. 7/
WHO WAS ADVISED OF THE ABOVE FRAUDS, RIP OFFS AND SCAMS In Jul-03 a copy of the Lloyds
TSB “MUST NOT BE FAXED OR COPIED TO CUSTOMERS” Fictitious False
Exchange Rate Sheet was sent by E Mail to 80% of the members of the
London Stock Exchange and also to the bulk of the UK National Media
and the North West Local Media. Subsequently full details and
costings of all of the above has been advised to them separately on up
to 80 separate occasions in total to date. Despite a further 24 reminders
to the UK National Media nothing has ever been exposed or reported. Despite 24 reminders to the UK
National Press they will not even accept payment for a full page
advert including a copy of the Lloyds TSB management driven “MUST
NOT BE FAXED OR COPIED TO
CUSTOMERS” Fictitious False Exchange Rate Sheet. The UK National Media will not
even respond when I simply want an advert showing the top 100 mortgage
providers, and the savings available. It is undoubtedly in the
British Public’s interests to be made aware, yet nothing has ever
been reported. Despite 17 reminders to the
FSA, I have been totally stonewalled and blanked. Despite 12 reminders to the
BCSB I have also been totally stonewalled and blanked. Despite contacting every MP in
the UK, who simply pointed me to my local MP, Mr Gordon Marsden, who
despite 7 reminders has totally stonewalled and blanked me. Despite contacting the DTI,
the OFT, the appropriate Government Ministers, the appropriate
Government Departments, nothing has been done and the various bland
fob off replies are all available on www.eurocardirect.co.uk 8/
WHAT HAVE THEY DONE TO TRY AND STOP ME My initial UK web provider
ukbusiness.com deleted my web site, Internet access, E Mail, and also
refused to redirect from my previous E Mail address eurocar@ukbusiness.com
to my new E Mail address enquiries@eurocardirect.co.uk after colluding
with Lloyds TSB. Despite 11 reminders I have
still not received any substantiated reason for this illegal deletion. The site was simply illegally
deleted purely because Lloyds TSB did not want the British Public to
be aware of their Management Driven “MUST NOT BE FAXED OR COPIED TO
CUSTOMERS” Fictitious False Exchange Rate Fraud Sheet, nor did they
want the British Public to be aware that it costs the average person
with a mortgage, a car loan every 5 years, a current account and a
credit card a staggering additional £73,625 (including Interest Only
Mortgage) and a still amazing additional £57,665 (including Repayment
Mortgage) to use Lloyds TSB Group as their Service Provider. I have been warned off from
pursuing this fraud and my life has already been threatened three
times by well dressed thugs who knew exactly who I was, although I
quite obviously didn’t know them at all. 9/
WHAT HAVE THEY DONE TO TRY AND STOP MY NEW COMPANY FROM
EXPOSING THE MORTGAGE RIP OFFS AND SCAMS I set up Remortgage NOW purely
and simply to expose the above Rip Offs and Scams. Lloyds TSB know how fast
growing EuroCar DIRECT was, and they are desperate to ensure that my
new company Remortgage NOW does not expand at the same rate and become
a huge embarrassment to them for many years to come. Consequently on my new company
Remortgage NOW, despite extensive advertising throughout the months of
Jul-03 and Aug-03, not one telephone enquiry has been received and not
one E Mail enquiry or Web Site Submit has been received.
Yet prior to Jul-03 and Aug-03 phone calls, E Mails & Web
Site Submits were previously being received.
In view of my extensive advertising experience with EuroCar
DIRECT, and the level of advertising, I would consider that at least
1,260 enquiries have not got through to Remortgage Now. Incoming E mails to my new
company Remortgage NOW, have been filtered to E Mail addresses within
the BBC. New enquiries
have been deleted, and “checking” E Mail messages from my other E
Mail addresses to Remortgage NOW are subsequently delivered at a later
time and even a later date on many occasions.
This routing and timing can be checked by right clicking on
received E Mails. Despite complaints and many reminders to the BBC no
substantial reason for these filtered E Mails have been received. M/
Incoming Phone calls to my new company Remortgage NOW’s 0845
number, have been diverted to an “unobtainable” number. Many people have informed me that when they ring the 0845
number they hear the number unobtainable tone, which is “by
coincidence” the only type of call not analysed by my service
provider who analyse answered calls and unanswered calls. All this to stop a “Bent
Bank” and the massive mortgage Rip Offs and Scams being exposed by
an honest businessman. 10/
WHY IS THERE NO ACTION, WHY IS THEIR NO REPORTING So what have we here -
deliberate Frauds, Rip Offs and Scams totalling a massive £2,295,466,250,000
against the British Public by the Financial Services Industry and no
action is taken by the FSA or the BCSB, and no reporting or exposure
by the National Media. Most of the people mentioned
above only exist in a position of trust and have a duty to be honest
in their dealings with the British Public, yet they are neither
trustworthy or honest. The national Media has a duty
to publish exposures when it is clearly in the interests of the
British Public, yet there appears to be an unwritten rule from their
editors of what can and cannot be printed. Yet in an honest country, on
the 15-Jul-02, the day that the Lloyds TSB Management Driven “MUST
NOT BE FAXED OR COPIED TO CUSTOMERS” Fictitious False Exchange Rate
Sheet was copied to the UK Press and Media and to all members of the
London Stock Exchange, the fraud would have been stopped dead in
it’s tracks and Lloyds TSB’s Banking Licence withdrawn or
suspended and the appropriate criminal proceedings instigated against
Lloyds TSB’s Senior Management who set up the fraud. It is simply PURE
UNADULTERATED EVIL. 11/
WHO IS STOPPING THE BRITISH PUBLIC BEING MADE AWARE OF THE
DELIBERATE FRAUDS, RIP OFFS AND SCAMS Whilst a reasonable and honest
man could possibly initially believe that a couple of senior people at
Lloyds TSB were in collusion with a couple of regulators at the FSA in
allowing this fraud, he could not possibly believe or accept that an
unorganised conspiracy could possibly encompass Lloyds TSB, the FSA,
the BCSB, the DTI, the OFT, the Media Blackout, the appropriate
Government Ministers, the appropriate Government Departments, every UK
MP including Ian Duncan Smith and Charles Kennedy the leaders of the
“supposed” opposition, and 80% of the members of London Stock
Exchange, and the Chief Executives or every Mortgage Provider - copies
of latest reminders and all replies are on the web site. No reasonable and honest man
could possibly accept that there is not one honest and forthright
person, in a key position or power and trust, who will stand up and
say “This is an outrage to the British Public”. I irrevocably believe that in
my efforts nail a “Bent Bank - Lloyds TSB”, and uncover what else
they were up to, and subsequently what else the others in the
Financial Services Industry and Failed Regulators were up to, I have
uncovered without any reasonable doubt whatsoever, a hotbed of
widespread organised corruption, lies, deceit, deliberate Theft,
deliberate Rip Offs and deliberate Scams, from many supposedly
trustworthy organisations, regulators, Government Departments, etc. A reasonable and honest
person, in a supposed democratic country where we are all meant to be
able to trust the people in positions of power or trust, can
absolutely and irrevocably see that: There is now absolute and
irrevocable proof, that the Government, a transient puppet controlled
by a long established senior Civil Service, a hotbed of organised
corruption, where a more sinister secret society, is in league with
the decision makers at the FSA, the BCSB, the DTI, the Treasury, the
London Stock Exchange, the UK Media, the Ombudsman Service, the OFT,
the Criminal Cases Review Commission to allow the Financial Services
Industry to furtively steal £2,295,466,250,000, by deliberately
perpetrating Frauds, Rip Offs and Scams against the trusting British
Public in Exchange Rate Theft, the Endowment Shortfall Timebomb, the
Company Pension Theft, the Massive Overcharging on Mortgages, the
scandal of hiding the True Massive Additional Interest Cost on
Interest Only Mortgages, etc. etc. It is also well documented,
but little publicised, that the hypocrites of that secret society
worship a devil and their only real god is money, and are sworn to
place their duty and loyalty to each other to the total detriment of
the British Public. Their
main aim is to have a one world leader, and everyone with an identity
card, so that they can control everything and everyone, and take as
much money as they can from the normal honest British Public who most
of them regard as scum and there for the taking. To this end war was waged with
Iraq for no substantiated reason whatsoever that the British Public
would agree with, and against the will of the vast majority of the
British Public, and that the Government are only hanging on in power
because we cannot trust the people that we are meant to trust to
remove them. By breaking all of the
International Rules on unprovoked aggression against another sovereign
power, Blair has turned us into War Criminals. Although it is a well
documented fact, but not however a well reported fact, that the first
thing Hitler would have done had he made power in the UK, was to
eliminate the Freemasons as their party had clear evidence they, and
not the Government, ran the country.
Thankfully Hitler did not win power. An honest Government,
particularly in a world of terrorism would ban all “Secret
Societies” in particular the Freemasons. As there are approximately
500,000 of them in key positions of power and trust, most of whom are
paid for by the trusting British Public, the only solution is that a
United Nations peacekeeping force be brought in to cleanse the country
of the total corruption and pure unadulterated evil. And that all people in
Government and all senior Civil Servants should both swear and sign an
oath that they are not members of any Secret Society, and that anyone
refusing should be suspended indefinitely, and that anyone
subsequently found to have lied be jailed for 5 years. With a total disregard for the
British People, these people, for their own ends, have turned us into
War Criminals and are deliberately thieving £2,295,466,250,000 from
the British Public. At this moment in time we are
not a democracy at all, there is no opposition, the UK is simply a
Fascist Dictatorship. 12/
ACTION REQUIRED A new political party must be
formed as soon as possible with a view to open and transparent
Government, otherwise these Bent Bxxxxxxx will continue to bleed the
British Public dry. The UK National Media cannot
ignore thieving of £2,295,466,250,000, and must report this Press
Release in full and publish the Spreadsheet Summary of Mortgage
Savings to enable the British Public to rectify their own personal
nightmare financial situation as soon as possible and eliminate the
deliberate thieving caused by the Frauds, Rip Offs and Scams of the
Financial Services Industry. All other Media, Publications,
Organisations and Clubs contacted should simply publish the simple
Spreadsheet Summary of Mortgage Savings with any additional narrative
that they think fit. It is ironic that all of the
above information, was only adduced, thanks to a “Bent Bank - Lloyds
TSB” and a Failed Regulator. God
works in funny ways. God
Bless them for unwittingly bringing thieving of
£2,295,466,250,000 through Deliberate Frauds, Rip Offs and
Scams to all of our attention. For more information see www.eurocardirect.co.uk,
or if you can assist in any way please initially contact James Stewart
by E Mail on enquiries@eurocardirect.co.uk James Stewart
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