Radio Show Notes
Overview
5 Mins - Welcome to the show
10 Mins - last week's e-mails
5 Mins - 2 songs
30 Mins - explain bank fraud
5 Mins - 2 songs
5-10 Mins - answer questions
15 mins - money and the Constitution plus Eastlink story
5 Mins - 2 songs
15 mins - Political parties and "People Power"
5 Mins - 2 songs
10 Mins - Current events around the world
5 Mins - Plus websites, CLRG etc.
Total - 2 hours.
Hi, my name's Mike Palmer from the Know Your Rights group and I would like to welcome you all to our first official broadcast on RAT FM. Many of you will know me from my success coaching seminars and workshops as well as my numerous appearances on A Current Affair in support of the great work that the team at Aussie Speeding Fines are doing to inform and educate the motoring public.
In conjunction with a number of different groups, we have now formed the new Know Your Rights group and we are committed to finding new ways to wake people up to the truth in regards to what is really going on in the world. We would especially like to thank John, who runs RAT FM for this great opportunity to do these broadcasts over his new digital radio network.
We did our first test broadcast last week and we had a fantastic response - 20 odd e-mails, 10 or so text messages and a number of callers as well. I'll address some of the feedback we had shortly but, for now, I would like to welcome XXXX who is in the studio with me here tonight. Hi xxxxx
(XXX can now acknowledge and then maybe ask, "So Mike, what is it that you are ultimately trying to achieve through these broadcasts?")
Firstly, it has amazed me how many people are still brainwashed by the government propaganda about things like speeding fines - "Speed Kills" and "Every K over is a killer", people who still don't see that 9/11 was an inside job or the fraud perpetrated by the banking elite every day. And, secondly, once people do get their head around some of those basic truths, we want to give people strategies and techniques for taking action against these injustices and helping to set things right again.
As a result of the incredible feedback we had from last week's test broadcast, we will now be doing these broadcasts in the future every week on a Tuesday night between 8 and 10pm and we would love to receive listener's feedback via e-mail at or feel free to phone us during the show on (03) 9017 5093 or sms us at0412 711 755
Please note that nothing discussed during this broadcast or any future broadcasts is in any way deemed to be or is to be taken as legal or financial advice - we are neither lawyers nor financial planners - and everything covered is to considered as educational and entertainment content only.
Before I start this week's show, I would like to acknowledge all the people that e-mailed us and sent us text messages last week, as well as those that tried to call in and speak to us live on air. Unfortunately, we had a few technical issues, which we hopefully have sorted out this week, so if anyone wants to call in, text or e-mail us, please feel free to do so.
I would like to quickly read out the e-mails that we received last week and quickly address some of the points raised in them.
Read our last week's e-mails.
Now, I mentioned to John on last week's show that I would be addressing the issue of the ultimate banking fraud this week and I believe the guys at Aussie Speeding Fines sent out an e-mail to all their Members about that and we have been absolutely swamped with e-mails at the Know Your Rights Group since that e-mail. There's a lot to cover in this week's show so before we jump into it, let's get into a couple of good old 70s and 80's rock and roll to prepare us.
Play 2 songs
Come back and explain the ultimate banking fraud - Loan Agreement, Mortgage, Certificate of Title.
Okay, that was obviously a lot to digest so let's hear another couple of tracks and give you a few minutes to digest all that and we will be back soon to answer any of the many questions that we're sure you must have via e-mail, text or phone.
Play 2 songs
Answer any questions that have come through.
Now, speaking of "money", I noticed in the latest ASF e-mail that there was an article about a guy in QLD who refused to pay his toll fines because the QLD company running them refused to accept cash, or, more specifically, coins, as payment. He rightly explained to them that they could not lawfully do that and, as such, he hasn't paid a toll or toll fine since.
Explain Section 115 of the Commonwealth Constitution and sections 9, 11, 16 & 22 of the Currency Act 1965. Refer to the information on the Reserve Bank of Australia website.
Now, I had an interesting case myself with Eastlink tolls a few years back here in Melbourne. Explain Eastlink court case.
Play 2 songs
Explain that there has been quite a lot of talk about motoring parties and no fines parties getting into politics and that I have been personally contacted by 3 different people just in the last week wanting to start up parties to get into politics and make some changes:
I spoke this week to Rod from nofines.org and his goal to set up a political party concerned with removing fines and I have also had a number of conversations with Owen Godfrey from the No Speed Cameras Party over the years too.
Then there was the gentleman from the Australian Motorist Party - not to be confused, of course, with Ricky Muir from the Australian Motoring Enthusiast Party who they crucified on TV because they knew that once he got in he would be a huge threat to the revenue raising scam that is currently in place.
As I have said to these people, the more parties that come forward and highlight the fact that these fines and tolls etc. are completely out of control, the better. Just like the way they brought down the Berlin Wall and the end of communism in Russia, it is "people power" that will ultimately make a difference.
Expand on these concepts.
Play 2 songs
Discuss major events from around the world that are not getting media exposure here - 50,000 protestors in England etc.
We would finish off reminding people that nothing in this broadcast is to be considered as legal or financial advice and we recommend that listeners do their own, independent research into all of the topics we discussed and we recommend websites such as:
www.knowyourrightsgroup.com.au
www.aussiespeedingfines.com
www.banksecretsrevealed.com.au
Give details of the CLRG meeting tomorrow night .
Sign off.
Start by explaining RBA statistical tables and how these show without any doubt that the banks "create" credit.
Explain that it also shows that loans do not come from depositors funds, as some people incorrectly believe.
Money is also not borrowed from other countries - which they also try and tell us. After all, if the US, UK, Europe, Australia etc all owe money - who EXACTLY do they owe it to?
These were some of the points that I raised in my court cases - I actually fought the banks for 4 years, all the way to the Hugh Court and managed to get some very telling information on the court record. And whist I didn't know everything that I'm about to share with you now, I knew that banks did not "borrow" the money that they say they "loan" you and, therefore, you do not "owe" it back to them.
In fact, my message was so clear to one Judge in the Supreme Court - I believe it was Justice Smith - that his response to me when I started explain all of this was "Mr Palmer, that would be the end of the financial system as we know it", to which I replied "Thank you Sir, that is the most honest thing you've said so far." He then responded with "But I'm just a Judge, I can't allow that to happen" - WTF, who the hell is pulling his strings!!!
Now, to find out how it REALLY works, we need to go back to basics - what is money? It is a transference of energy. One guy didn't want to plow his fields one day and gave his mate a cow to do it and that cow became gold and then that gold became a gold certificate.
Many of you would have heard that we used to be a gold backed currency and what that means is that our reserve bank notes could always be exchanged for an amount of gold. Our notes today have no intrinsic value because they are not backed by anything so they are really worthless.
Unfortunately, it's actually worse than that, because as all major countries around the world borrow their money from the international banking cartels, every dollar is borrowed, at interest and this actually means that every dollar you have in your wallet is worth $1.10 to someone else so the notes you thought were valuable assets are actually debts.
The problem is that the money doesn't exist to pay this interest so the country borrows more money, to pay the interest on the last bit of money they borrowed and so on goes the cycle - it's called debt slavery.
I think I mentioned on last week's show that no-one is more enslaved that the man or woman who believes that they are free!
So, what about the actual fraud that I keep referring to?
So, if we understand that money is, intrinsically, the thing that has value - or supposed to, we can start to put the pieces of the puzzle together.
When you buy a house, you run around looking for properties until you find just the right one. You then negotiate with the real estate agent or vendor and settle on a price - you do all that work, not the bank. You then approach the bank and ask to borrow x amount of dollars. For simplicity, in this example, we'll say it's a million dollars.
Now, the bank doesn't obviously just hand over a million dollars and say "Here you go, go buy your house, just pay it back when you can" - in fact, far from it. Instead, what they do is they defraud you with 3 important documents - the loan agreement, the mortgage document and the Certificate of Title.
The loan agreement is the value to the bank, it is your promise to pay them an amount of money. Now, in our 1 million dollar example, they don't actually lend you a million dollars, they only advance you usually 80%, so, in this case, $800,000 because they expect you to put 20% of your own money in. And, of course, you don't just pay them back that original $800,000 either, in fact, over the course of a 25 year loan, it would be closer to $2million+
Now remember, the loan agreement is a promise to pay back that $2 million + over, say, 25 years. - it is a promissory note. Now, many of you would be familiar with the old practice of writing out a cheque and then someone signing that cheque over to a 3rd party. It's not done that much anymore but if I wrote you out a cheque for $100 and you wanted money straight away, you could ask Joel to give you, say $80, and he would write the cheque over to you.
The bank can on-sell your promissory note by way f securitisation, which is what happens the majority of the time. That starts to get very complicated so I won't get into that but the point to take from this is that the loan agreement is the value to the bank.
Now, the mortgage is the guarantee that the bank can take some kind of action if you break your promise to pay. In this case, they have a mortgage over your house and have a right to sell it to cover any shortfall. It is very important to note that YOU own the house at all times.
It is not a case that the bank owns the home until you pay it off, you can paint it, renovate it and even sell it if you want to - the bank will expect that their balance is paid off before the property changes hands and no buyer would purchase a house that still had a mortgage in place but they certainly could, by law, if they wanted to. This is VERY important, it's YOUR house NOT the banks!
Okay, so, now we get to the juicy bit - the Certificate of Title. What is it? It is the title to your house. Remember before that we said bank notes used to be certificates of title to an amount of gold. Well, in this case the house is the gold because it has value so the Certificate of Title is the money. Remember, at ALL times, the Certificate of Title has YOR name on it, it's yours. So, what happens to it at settlement?
The bank keeps it - why? Why do they keep YOIUR certificate of title when they already have the value from you - your loan agreement, and they already have the mortgage document, which is their security.
They have it because they steal or swindle it from you. I challenge you all to look through your mountain of terms and conditions and see if the Certificate of Title is listed or detailed anywhere. They don't mention it and, because it is not mentioned and they take it, then they have defrauded you. There has been no meeting of the minds - a necessary part of any lawful contract - because you have not been given full disclosure before you entered into the contract.
So, what do they do with it? Well, I haven't been able to confirm this independently, this information was passed onto me from the guys at Bank Secrets Revealed, but, as I understand it, they deposit that on the books as an asset and that is where the money comes from that they then supposedly "loan" you. So, in essence, they have stolen the money form you that they then turn around and loan to you, at interest.
They then turn around and bundle up your loan agreement with many others and securitise, or seel those off, so they have already been paid once. They still collect monthly payments from you for the life of the loan so, you have paid 2 - 3 times the amount of the supposed "loan" and, if you miss even one payment, they can then turn around and sell your house and get paid a THIRD time. Now, if that's not fraud then I don't know what is!
So, now that you understand this - even if you only have a basic grasp of what I have just explained, the fraud should still be clear - what can you do about it? Well, anyone who has a current mortgage can write a simple letter to their bank asking about the Certificate of Title. Explain depositor/borrower/bailee/bailor