Forensic Audits
Discover the truth.

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.

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April 2021

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.

What is a Forensic Audit?

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.

Purpose of an audit

The audit can trace all securities that may otherwise be disguised as ‘mortgages’, personal ‘loans’, car finance, and credit cards. The purpose of the audit is to obtain data and information that is otherwise denied or concealed by the banks [agents] either in pre – action or during litigation. When the evidence is presented to the Court contrary to the bank’s concealment there is a firm case for misrepresentation and failure to disclose information pursuant to s.2 and s.3 Fraud Act 2006.

Visibility

The Forensic audit will expose the consortium behind your ‘mortgage’ or ‘loan’ agreement, and provide you with confidence in litigation by evidencing any criminal activity in court proceedings, dispute bankruptcy, challenge business closures, credit cards, car finance and student loans.

Examples of what is included

Your Forensic Loan Analysis report will include:

  • Forensic Audit
  • Anti-Predatory Lending Violations
  • Credit agreement/loan signature page
  • Forensic Examination
  • Forensic Examination Findings
  • Missing Documents
  • Prospectus
  • Mortgage
  • Void/Cancellation
  • Cusip & ISIN numbers
  • Screenshots
  • Diagrams of consortium
  • Law Summary
  • Witness Statement
  • Affidavit of Truth

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<

It will help you in:

The primary way  a forensic audit will help you are:

  • Identifying the type of fraud if any
  • Determining the period during which the fraud occurred
  • Discovering how the deception was concealed
  • Naming the participants in the consortium
  • Quantifying the loss suffered as a result
  • Gathering relevant evidence that is admissible in court

Compelling the trustee to perform:

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.