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Further Discovery Letters

Your Key to Returning your Home to You

Further Discovery

Stage 2 of Letters
Sent to Mortgage Bandits





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IMPORTANT NOTICE - PLEASE READ
Discovery letter process for Mortgage Annulment
Legal and Lawful Notice:

These processes are not to be taken as legal advice. They are lawful methodologies that have proven success and in the spirit of what works, pass on to share this information is proffered to help anyone caught in the entrapment of legal process. These processes are specifically encouraged to be used, where the person addressing a wrong wishes to not pass through the legal nightmare of court proceedings, as practiced by those resorting to the protection of an Admiralty/Maritime court.

This process denies them that protection and affords the fullest protection to the person questioning any and all allegations made against them under so called legal process. This process is committed under the auspices of the Common Law, that in itself is the highest law known to humankind, except Divine Law that supersedes it. Thus any attempt to contest this process through the courts is null and void and carries no jurisdiction within that lower level.

All processes have been available online for many years as originally created and used by Michael O'Bernicia. It is accepted that full credit is given to Michael O'Bernicia for all these documents available free to use by all who find them useful. It is also agreed that by using these indemnifies the author and this site from any change/misuse these documanets might be used for or their outcomes. Their use by whosoever establishes this agreement is made.
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Terms of Use and Copyright Notice
This process is free for everybody to use, solely for the express purpose it was intended for, when it was originally published during the summer of 2020 , on MOB's blog site The Bernician.net.

A mandatory condition is and always has been that all who use it must hold harmless and indemnify the author from all potential liabilities, in the unlikely event that the process, when implemented correctly, does not result in the discharge of any fraudulent mortgage claim in the UK.

It can be shared, copied and re-posted, but not without giving due credit to its originating author. Failure to do so will automatically result in the termination of the offender’s right to use the process.

If any individual, group or entity is found to have used this process for commercial purposes, or in the event they have falsely purported to be the creators/owners of it, they will be held liable for copyright infringement and misrepresentation of the facts, nunc-pro-tunc. 
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ALL LETTERS sent signed for by Royal Mail, (to hold safely as proof of receipt and receipt number to be used later)

Terminology Used:
NAME OF MORTGAGOR - Is Name on the Mortgage Deed
By: Upper-Case:Lower - By: Joanna Smith
Representative for NAME OF MORTGAGOR - Representative for JOANNA SMITH
ROBIN HOODY - Refers to and must be replaced by the company's CEO name.
ROBIN HOODIES - Refers to and must be replaced by the company's name, (not the Ltd or plc unless in address line)
Find all details of CEO at Companies House search
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PRIVATE & CONFIDENTIAL
ROBIN HOODY (CEO)
ROBIN HOODIES LIMITED
REGISTERED OFFICE DATE

NOTICE REQUESTING ADEQUATE ASSURANCE OF DUE PERFORMANCE
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT

 Dear ROBIN HOODIES,
 Re: Mortgage Bandits Account Number ################

It has come to my attention that there is every reason to believe that ROBIN HOODIES may be in breach of the statutory law of mortgages.

 Therefore, I am hereby serving notice of my intention to discharge the alleged debt in full, provided that I receive specific answers to the following questions:
1. According to the alleged loan agreement, did ROBIN HOODIES lend its own money as adequate consideration to purchase the note (loan agreement) from STRAWMAN [Name of Mortgagor]? Please answer YES or NO.
2. According to the relevant bookkeeping entries, did ROBIN HOODIES lend its own money as adequate consideration to purchase the note (loan agreement) from STRAWMAN? Please answer YES or NO.
 3. According to the alleged loan agreement, was STRAWMAN to provide valuable consideration to fund the alleged loan? Please answer YES or NO.
 4. According to the relevant bookkeeping entries, did ROBIN HOODIES accept anything of value from STRAWMAN that was used to give value to a cheque or similar instrument of approximately the same value of the alleged loan? Please answer YES or NO.
 5. Did ROBIN HOODIES follow UK GAAP (Generally Accepted Accounting Principles of the United Kingdom) in the execution of the alleged loan agreement? Please answer YES or NO.
 6. Can ROBIN HOODIES provide evidence that its accountant and auditor at the time of the execution of the alleged loan confirmed that it followed GAAP in the execution of the alleged loan? Please answer YES or NO.
 7. Was it the intent of the alleged loan agreement that the party who funded the loan is the party that is to be repaid the money? Please answer YES or NO.
 8. Are all the material facts of the alleged loan disclosed in the original (alleged) agreement? Please answer YES or NO.
 9. According to the alleged loan agreement, was STRAWMAN obliged to lend the note to ROBIN HOODIES or another financial institution in order to fund the alleged loan? Please answer YES or NO.
 10. Are the economics of the alleged loan similar to stealing, counterfeiting and swindling against STRAWMAN? Please answer YES or NO. (this one is definitely not for the fainthearted!)

 Failure to answer these reasonable questions with specific answers within seven (7) days of your receipt of this notice, will comprise the tacit procuration of ROBIN HOODIES’ agreement that it has concealed material facts from STRAWMAN, that the purported mortgage note has been sold, altered or stolen, and that the alleged borrower provided the funds that the alleged lender claims were lent to STRAWMAN, in which case, STRAWMAN is legally entitled to file a commercial injury claim for at least three times the value of the alleged loan, plus the principal allegedly owed.

 With sincerity and honour,



 By: Upper-Case:Lower Authorised Representative for STRAWMAN
All Rights Reserved - Without Prejudice – Without Recourse – Non-Assumpsit
Errors & Omissions Excepted – Strictly no rights of Usufruct
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Following non receipt or inadequate response (meaning ALL questions not answered fully) this goes out

PRIVATE & CONFIDENTIAL
ROBIN HOODY (CEO)
ROBIN HOODIES LIMITED
REGISTERED OFFICE DATE

NOTICE OF DISHONOUR AND OPPORTUNITY TO CURE

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT

Dear ROBIN HOODIES,
Re: Mortgage Bandits Account Number ################
 Your company has failed to respond to the NOTICE REQUESTING ADEQUATE ASSURANCE OF DUE PERFORMANCE dated ______________________, and served by Royal Mail Recorded Delivery ############. Therefore, I hereby serve NOTICE OF DISHONOUR & OPPORTUNITY TO CURE. ROBIN HOODIES LIMITED has seven (7) days in which to deliver an appropriate response. 

With sincerity and honour,


By: Upper-Case:Lower Authorised
Representative for NAME OF MORTGAGOR
All Rights Reserved – Without Prejudice – Without Recourse – Non-Assumpsit
Errors & Omissions Excepted – Strictly no rights of Usufruct
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They then have refused or simply not replied with full answers to your questions - this then goes out

PRIVATE & CONFIDENTIAL
ROBIN HOODY (CEO)
ROBIN HOODIES LIMITED
REGISTERED OFFICE

DATE

NOTICE OF DISHONOUR

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT 

Dear ROBIN HOODY,

Re: Mortgage Bandits Account Number ################

Your company has failed to respond to the NOTICE OF DISHONOUR & OPPORTUNITY TO CURE dated _______________________, and served by Royal Mail Recorded Delivery ############### on ______________________. Therefore, I hereby serve NOTICE OF DISHONOUR. 

With sincerity and honour,



By: Upper-Case:Lower
Authorised Representative for NAME OF MORTGAGOR
All Rights Reserved – Without Prejudice – Without Recourse – Non-Assumpsit
Errors & Omissions Excepted – Strictly no rights of Usufruct

When this is not responded to or does not comply with original requests then 
the next stage of letters goes out: See them here

Documentation

To use as stated

These letters are all you need to shut the boss, company, challenger up when confronted with a problem. Works well for all employees, service workers and social workers etc. Read here

Here you will find a vaccine NoCA (Notice of Conditional Acceptance) letter to start a ball rolling. It is up to you whether you take it the full distance, worth it for the damages and to knock heads together. Yet the first three letters affords a paper trail and contractual lawful agreement that whatever points you make are agreed. That the other party fails to actually agree, they do anyway by omission à la Common Law.

See here

This UK-centric Commercial Lien process is not for the faint-hearted or those looking for a quick-fix.
 If you are not in default on a mortgage but have gleaned sufficient knowledge to know that you have been duped, conned and/or misled, then you might consider taking the following course of action against your mortgage bandit, whose entire modus operandi is to get you into default as quickly as possible, in order to take your home by using various statutes as a cloak for fraud.
Please watch The Great British Mortgage Swindle documentary as this will give you an excellent background to the process you are about to launch into

In the event you have already done some sort of discovery process, which asked similar questions to the first six missives here and here, you can start at NOTICE OF SECURITY INTEREST, in which case you will need to delete the documents you don’t send from the list in the final AFFIDAVIT OF SERVICE & NON-RESPONSE
The first six discovery letters start here:

These letters, three of them establishing certain points and demands that were made in whatever notices you were served,  sets them up to be followed by the Notice of Security of Interest that includes damages caused.

Knowing your rights is an important part of your life, especially when they are trying to take them away from us. Here are some simple yet important facts to guide you. They will be added to, of course - Lawful Resistance

For those courageous enough to move forward, this site was created. It is not alone in offering content, knowledge and assistance to the self change and educational process, yet it is in total co-operation with all who are of like mind and endeavour. 

Further Discovery Letters

Where to Start

The Journey starts here. If you have more information that would be helpful please get in contact

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Jonathan L Trapman is an author, creative writer and photojournalist who has spent the better part of his 45 odd years in public life, learning from his personal experiences, sharing them, listening to others, whose lives have allowed him to open his own mind to a beauty, even within horror, that is transforming and empowering. His written work endeavors to convey, through true tales and fiction, impressions thus garnered. Dreams and Realities can be purchased (signed by the author if wanted) here.

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