A Forensic Audit is a document that can be used in court to help prove your case against a parasitic lender by exposing the whereabouts of your alleged loan.
Forensic auditing is a special form of accounting requiring expert knowledge about the legal framework, covering a wide range of activities, and often conducted to prosecute a party for fraud, embezzlement, and other financial crimes.
A forensic audit is the tracing of a financial transaction where a report that is produced for a specific financial record to derive evidence that can be used in a court of law or legal proceeding.
Your Forensic Loan Analysis report will include:
We offer 2 types of forensic audits, a mini audit for £400 which will identify if your note has been securitised and give you the basic information, but without the affidavits needed should you have to go to court. For that, you need a full forensic accounting audit<
The primary way a forensic audit will help you are:
Once you have the Forensic “Loan” Analysis Report you will discover there are grounds for litigation. They are a lethal exhibit in any repossession defence. Any securitised agreement applies.
Where there is a Trustee there is a Trust, it’s that simple. There is also a settlor and beneficiary. Each may appoint or assign an agent or ‘servicer’ by deed.
Here is a real world example of how using a forensic audit has helped expose the deception and recover the funds.
There are no borrowers, lenders, mortgagees, mortgagors, debtors, creditors, or customers. Not one. The latter are legal constructs at law, constructs that are assumed and presumed upon an unwary beneficiary and the underpinning express trust expressed by the settlor.
Remember: in equity there are no “borrowers or lenders”, simply the Trustee, beneficiary and of course, an agent – the so-called servicer.
The Beneficiary of a Trust that has been construed without your consent or full terms and conditions (disclosure) have been baited and switched to trustee making re-payments for a PAID OFF financial instrument being traded.
This alone provides grounds for a motion in court to compel the trustee to perform, apply sanctions, admit adverse inference, and also evidentiary sanctions, with the knowledge and understanding required to compel the main participants (pooling/consortium) to negotiate (pre-action protocol) or agree your terms of resolution.