UPDATE: Why I’m no longer covering Corey Goode and the Full Disclosure Movement “Annette O’Toole w/ Dark Journalist: The ART of the STEAL! New Age DEEP STATE (Pt 5)”


 
 
Aloha, hi Everyone!
 
Please accept my sincerest apology’s for the lack of published posts or feedback over the last few months, I’ve been experiencing very difficult, and dense energy’s on many levels which have included energetic attacks that have been quite challenging to deal with.
 
At this time I’m removing my support from Corey Goode and the Full Disclosure Now movement, the reasons why are explained in my interview with Dark Journalist.
 
As mentioned in the post interview statement below the video, I’m taking hiatus for much needed healing time and to find part time work.
  
I intended on posting my letter to Corey with the interview, along with chat messages from Roger which back-up my claims. Unfortunately WordPress no longer allows us to post documents, so upon request written documentation will be made available by email at ascendingstarseed@gmail.com
 
The interview was conducted 2-3 weeks ago, since then my perspective on Corey has changed somewhat and there were a few things we didn’t have time to cover in the interview. See my post interview statement below the video description for additional details.
 
Much love and thanks to everyone for your support over the last seven years, it’s been a team effort and a journey I couldn’t have made without the financial support and encouragement from readers like yourself! The last 6-9 months I’ve been struggling to create income so I can continue publishing without asking for donations, that struggle is detailed further in my interview.
 
So please bear with me as I heal, re-group and forge a new path for myself and this blog, “2012 The Awakening” to move forward on.
 
I wish to express the deepest heartfelt gratitude to everyone who’s generously stepped forward with donations since the interview aired on Saturday to help cover expenses. And a BIG Mahalo to everyone who answered the call for support, from this now moment forward.
 
Also, the extraordinary support and sheer number of positive comments on you Tube and Project Avalon has been virtually overwhelming. I actually expected to get hit with a freight train of negative comments from rabid fans and followers that have lost all objectivity in their search for truth. So here’s a HUMONGOUS THANK-YOU embedded with BIG HUGS to everyone for ALL your kind words and generosity! 
 
 
Blessings to All, {~A~}
Donations can be made thru paypal at the button on the upper right of the page, or you can support my work at Patreon. Mahalo nui!
 
 
 

Visit http://www.DarkJournalist.com

EXCLUSIVE INTERVIEW!
New Age Deep State Part 5: Whistleblower Annette O’Toole
In this breakthrough Part 5 episode of New Age Deep State, Dark Journalist welcomes Whistleblower Annette O’Toole
from the Ascending Starseed website who worked closely as a former insider with the 3 Year Disclosure Marketing Cult of self-proclaimed ‘Time Traveling Astronaut’ Corey Goode and his Business Partner Roger Ramsaur. The Marketing Cult includes questionable aspects in their program such as a therapy network to help followers cope with disclosure, ‘Corey’s Kids’ space gear promotions and a Comic Book based on Goode’s adventures in Secret Space with Blue Avian aliens.

Full Disclosure Corporation Harvesting Operation
O’Toole, who has successfully run the Ascending Starseed website for many years, recounts her experience working with Corey and Company to set up a Solstice Conference for the Summer and how she spent months formulating the event as the corporation encouraged her to build it up. She soon became wary of dealing with Goode when the 3 Year Disclosure Marketing Cult started to control the terms of her association and she saw her colleagues used as proxies, treated poorly, and then thrown aside.

She decided the group was not so much interested in ‘love and light’ and a Space Being philosophy of oneness as it was in optimizing their bottom line at the expense of their members. Eventually, through a series of slick corporate business moves, O’Toole found herself cut completely out of the loop of her own conference.

Five Major Figures Come Forward
O’Toole’s powerful account fits with a wider pattern of using assets and ideas without permission and general disregard for intellectual property that the marketing group seems to embrace. Five major figures in Alternative Research have come forward with accounts of these kind of incidents, including popular Web Bots developer Clif High, Dr. Joseph Farrell, Linda Moulton Howe, The Object Report’s Agent K and UFO Filmmaker Jim Nichols.

O’Toole’s message is not one of bitterness, but of awareness in dealing with what she views as ‘unethical and shady’ business practices of he 3 Year Disclosure Marketing Cult. Her personal experience with Corey and Company has set her on a path of helping others to question the claims of any group that purports to be in touch with ‘Higher Beings.’

Note: Due to the important nature of this video and it’s many revelations, you may at your discretion download it and upload it to your channel with proper citation and share it with your viewers to make sure it is not censored.

The fantastic track at the end of the episode was performed by The Anthropophobia Project.
Find out more about them here: https://www.facebook.com/TheAnthropop…

For more information on Ascending Starseed and to visit Annette’s website go to: https://ascendingstarseed.wordpress.com/

Shocking, informative, eye-opening and powerful, don’t miss this important Dark Journalist episode!

(thank you walker)

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

EDITORS POST INTERVIEW STATEMENT

Aloha, Hi everyone,

Coming forward with my story has been a very difficult decision, considering all the contempt targeted at those speaking up by followers and fans, it’s took great courage. That said, there are a few things I’d like to add to my statement which we didn’t have time to cover in the interview, and actions taken on behalf of Corey and Roger after I spoke with Dark Journalist have shifted my perceptions as well.

Regardless of what Roger Ramsaur (aka Roger Richards & Emma Gold) beLIEves about tattoos, there’s a very dark agenda behind tattooing. Basically, 4th dimensional groups have been using tattooing as a means of ‘branding’ people for thousands of years. Most of the symbolism used in tattoo’s are energetically owned by these groups, and the fact that blood is involved makes tattooing a ritual based endeavor that literally brands most people to 4D groups. And, they’re typically not benevolent groups, especially anything representing Lucifer, the great Deceiver.

In conclusion, based on my personal clair-sentient observations and from what I’ve learned from several very powerful seer-healers who have been observing this situation from a multi-dimensional perspective; aside from embellishments on his personal life and in the story, Corey’s story about the BA’s and Inner Earth groups is ‘basically’ true. At least that’s how it began.

That said, there are extremely dark entity’s aided by a powerful AI energy that have infiltrated their organization over the last year. I honestly don’t believe anyone in the inner-circle is aware that they’ve been infected, or possessed or influenced by these forces. Any Satanic agenda is most likely covert, hidden and completely sub-conscious in nature.

I expect that Corey, Roger and fans will put their own spin on ‘my truth’. Am I a CIA plant? Well that’s a laughable label since Corey chose me as a ticket winner to his conference last year. I’m simply a blogger with a solid reputation in the truther community – my work stands for itself.

I’m also a Shaman dedicated to walking a Sacred Path in every step I take.

Bottom line, my skills and expertise were taken advantage of by Roger, then Corey threw me under the Roger bus with everyone else when he disregarded my letter on May 24th. If it was intercepted by Roger or someone else handling Corey’s correspondences, then he never read my complaint. Idk…

Instead of contacting me to find out what happened and what could be done to resolve the situation I was removed from the Full Disclosure Now 11-11 admin team, removed from Slack think tank and blocked by Roger.  I spent 25yrs as a professional in the entertainment industry and deserve more respect than that.

My initial impression was that Corey is under attack due to a lack of ethics, knowledge and professionalism on behalf of his manager – an age old problem in the entertainment industry that personally I’ve witnessed more times than I can count. I’ve also received feedback from several people skilled at reading energy and the Akashic records, that there IS truth to Corey’s contact with higher beings and is service with the SSP. That said, after receiving a couple of intimidating messages from him this week and seeing the attacks launched at people sharing their story, I have the impression Corey’s moral code is seriously flawed and that any previous contact with higher races ceased when his vibrational frequency lowered as his ego rose, as he got pulled into the opportunity to reach for fame and fortune.

So personally, I’m not surprised with the exposes coming forward. It feels like the judiciary karmic boomerang is returning to its senders.

Corey – if you’re reading this – I forgive and actually feel sorry for you, much of what you’re experiencing now has been brought on by bad business decisions that lack any kind of solid spiritual foundation – which was discussed in my letter to you on May 24, 2017. Exposes like my interview with Dark Journalist are real complaints against your organization which you have failed to personally address, violations that your management team perpetrated.

There are people who have been treated horribly by Roger, hence the knee-jerk reactions, denial and blame shifting on your behalf is only making matters worse. You really need to go within for a period of honest self-reflection and understand that everything appearing in your field of perception is also your creation, a reality which is projected from within.

Roger, I also forgive you and truly hope you seek deep clearing, healing and self forgiveness. You have been engulfed by darkness over the last few months, darkness which you have allowed-in thru tacit consent, branding and blood ritual. If you have a daily DMT habit “as rumored” – then you have unwittingly opened the door for possession. Please seek healing.

Now that the interview with Dark Journalist is being released, I don’t want get drawn into the drama and will be taking a hiatus for spiritual healing following six very stressful months after Corey backed out of his agreement to appear at my conference and the swindling act which followed. In addition, there have been a series of attacks I’ve been dealing with and need time to heal and regroup, to forge a new direction moving forward.

A link to the letter I sent to Corey is posted below, it’s been edited and condensed to remove names of the innocent and discussions on other topics. I wrote the letter to tell my story in the event that it was ignored.

I’m also including a chat text summary with Roger to highlight promises he made which went unfulfilled and to show the carrot and stick tactics he uses to keep people “producing” without being paid their energetic, or monetary value.

Instead of taking this case into a man-made court of law, “at this time” I’ve chosen to open a sacred neutral, spiritual court of equity with Great Spirit and Gaia to find remedy and resolution to all value that’s been stolen, that all masks will fall and all hidden truths will be revealed in this matter. And so it is.

One last note, I absolutely hate asking for donations. In 2013 my grandmother passed away leaving me with a very small inheritance I’ve been living on while healing from two Hepatitis C relapses in 2011 and 2013. By re-investing the money into paying for my survival expenses, my grandmothers legacy has also allowed me the freedom to live a service to others lifestyle by allowing time for researching information I’ve shared on my blog and allowing time for volunteer work I do with my local community.

The motivating reason to organize conferences was the opportunity to professionally get back on my feet and have money in the bank to continue working for the Collective Good, since my Grandmothers legacy was finally reaching its end.

Basically in a nut-shell, Roger swindled my income, as well as funding for more conferences aimed at raising the collective conscious. Now, I’m back on food stamps and because I’ve healed, I’ve been denied financial assistance – a decision which I’m fighting. Currently, I’m seeking income opportunities and have more events in the works for next year, but it will take a few months before event-income manifests. Additionally, there are virtually no jobs available and I really need help surviving until I regroup and get back on my feet.

You can support my work on Patreon or thru the donation button on my blog, which also has a re-occurring payment option – your support at this time will be greatly appreciated.

I also want to apologize for the drop in the number of published posts over the last several months. This has been an extremely difficult passage to navigate; in addition dealing with vampiric people possessed by Darkness has seriously drained my energy reserves. Also, the subsequent loss of conference income I spent six-months planning for, has shifted my focus to survival and jumping thru hoops for the state for financial assistance has been a time and energy harvesting endeavor as well. I’ve been literally been hanging on by a thread since January.

For the time being I’ll be shifting my focus to finding a part-time job to help keep a roof over my head and cover living expenses, which is next to impossible while investing time in research for the blog and managing my work on Facebook – both are very time consuming and they harvest focus which needs to be directed toward my survival, at this time.

Thanks again to everyone who has ever supported my work, and to all the amazing people who left so many incredibly supportive comments under my interview on YouTube and Project Avalon. Knowing that Corey and Roger would put their own spin on my story in an effort to suppress the truth about their lack of professionalism and ethics, it wasn’t an easy decision coming forward. Yet it’s been a big relief that the support has been overwhelmingly positive, and with any luck my feedback is inspiring critical thinking and moving followers away from ‘group think’.

In conclusion, when a research community turns into a worship community driven by the Cult of Personality which says ‘get out if you disagree’ we have a serious problem which needs to be addressed with objective thinking. When people preaching a Service to Others lifestyle are walking a Service to Self path in their own lives, we  have a serious problem to contend with. It’s time we get off our knees and lead ourselves as true leaders,  and stop looking to others for answers. Because everything we need to know for our personal journey is Sourced from within.

In hindsight, I want to thank Corey and Roger for a powerful mirroring experience, in the last month I have found great healing for times in the past where my self-worth and energetic value has been violated.  I’ve forgiven trespassers and asked forgiveness for my trespasses upon others as well. My wish for both of you is that upon deep self reflection at your own projections,  and that you learn from this experience and find healing too.

The monster in the mirror looking back at you is YOU; what you believe are attacks, are coming from your own Shadow and are a self-creation.

I also want to extend gratitude to everyone who’s been there for me over the last few months thru this difficult journey, you know who you are.

I also wish to express a BIG heartfelt MAHALO to Dark Journalistl for his support and for giving whistleblowers a platform to speak our truth. Thank you for your outstanding work with this expose` series and to the other whistleblowers who come forward, for standing in the power of their truth.
Mahalo nui…Much love to all,

Annette O’Toole

spiritual maintenance

Charles Ortel-Clinton Foundation $100 Billion Criminal Conspiracy ~ Greg Hunter


How much money has the Clinton Foundation raised globally? Wall Street financial expert Charles Ortel says it’s a “$100 billion criminal conspiracy” and goes on to say, “I think it is a disgrace. To put that number into perspective, depending on how you look at the Bernie Madoff Ponzi scheme, that was either $40 billion to $60 billion. This is $100 billion, and maybe more.”

How much Clinton Foundation money actually makes it to charitable causes? Ortel says, “It’s impossible to tell from the filings. You are supposed to tell from the filings, and it’s impossible to tell. One of the biggest expenses in the recent period in the Clinton Foundation is for
Pharmaceuticals for supposedly fighting HIV Aids. If this were a well-run charity, you would provide a detailed breakdown of what pharmaceuticals by type and at what price. There is none of that disclosure. You don’t know if that pharmaceutical number is completely made up or not. You have no way of telling, and the auditors have never done their work. This is why I say this is a text book case study in global charity fraud. It needs to be exposed as such.”

Join Greg Hunter as he goes One-on-One with Clinton Foundation investigator Charles Ortel, who is also Managing Partner of Newport Value Partners.

All links can be found here: http://usawatchdog.com/clinton-founda…

http://usawatchdog.com/donations/

 

2012 The Awakening is supported by donations by the generosity of readers honoring the “energetic exchange for value” concept. And, by supporting the merchant affiliate programs by purchasing goods with the links provided below.

If links are dead, please contact me at { ascendingstarseed at gmail dot com }.

Mahalo nui, Annette

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MUST WATCH! KESHE Foundation Whistleblower Sousan Alexander


Sousan Alexander is my guest today along with Klan Mother Karen MacDonald, relating her first hand experiences with Keshe and his Foundation, very revealing info…Sousan has come forward with this info because she wants to expose Keshe so that others will be able to avoid the Keshe Foundation scams and not pay for devices or classes that they will never get….Please join in and hear first hand these revelations…Part 2 will complete Sousans experiences….

Part 1

Part 2

Fed Audit Shocker: They Come from Planet Klepto


Published on Sep 14, 2015

While the world breathlessly awaits the outcome of this week’s FOMC meeting—will the Federal Reserve raise interest rates or won’t it?—one thing is clear regardless: the Fed is driving the U.S. into a 2nd depression in order to carry out its one and only remit now that America’s ability to produce real jobs has been reduced to ash, namely, propping up criminal banks with multi-trillion-dollar giveaways.

What’s so disturbing about the fatal path that the Fed has been on for 7 years is that it’s one the Fed went down before, when—by its own admission—it extended and deepened the Great Depression in the late 1930s with a foolhardy policy that jacked up total reserves and destroyed bank lending. In the words of Janet Yellen, “[t]he economy plunged back into depression.” (6/23/09 tr. at p. 175)

That’s curious, because exactly the same dynamic is at work now, as total reserves have skyrocketed since 2008 in perfect dollar-for-dollar tandem with a plunge in lending. The effect on the birth- and death rates of new and existing businesses, respectively, has been catastrophic.

And what has propelled total reserve balances into the stratosphere? Why, it’s the Fed’s fateful decision to pay banks interest for holding money with the Fed–money provided by none other than the Fed itself when it printed $1.73 trillion and handed it to the bustout banks in exchange for worthless mortgage-backed securities. The Fed pulled nearly exactly the same stunt in 1936-37 when it suddenly required banks to maintain higher reserves at the Fed. In both cases, the Fed’s diversion of monies away from the economy proved disastrous. It remains to be seen whether the Fed will need another world war to cover up its ruinous acts.

BestEvidence’s newest film, “They Come from Planet Klepto,” undertakes an intensive examination of the transcript and exhibits from the Fed’s June 2009 FOMC meeting held during the first few critical months of the most ambitious monetary experiment of all time, which the Fed falsely swore was temporary in nature.

As it turns out, the Federal Reserve never intended to unwind the radical balance sheet expansion it began 7 years ago at all, as one of the central purposes of the Fed programs—aside from enabling broke banks to erect an illusion of solvency big enough to justify bonuses—was to cover up the very Wall Street crimes that caused the meltdown of 2008 in the first place.

“Planet Klepto” distinguishes itself from many other worthy efforts along the same lines in its granular treatment of untrammeled criminality driving Federal Reserve policy by lavishing attention on the Fed’s own words, charts, documents, projections, speeches, papers, spreadsheets and data.

Viewers are urged to consider the implications of the Federal Reserve’s proven willingness to prop up, at all costs, the criminal banks controlling it. If criminal giveaways aren’t out of bounds, what’s to stop takeaways when the next meltdown hits?

Source materials:

Bank deposits: http://research.stlouisfed.org/fred2/…

Bank loans: http://research.stlouisfed.org/fred2/…

Bernanke speech (text): http://www.washingtonsblog.com/2010/1…
Bernanke speech (video): http://www.c-span.org/video/?284139-1…

Excess reserves: http://research.stlouisfed.org/fred2/…

June 2009 FOMC transcript: http://www.federalreserve.gov/monetar…

June 2009 FOMC presentation materials: http://www.federalreserve.gov/monetar…

Total reserve balances: http://research.stlouisfed.org/fred2/…

Fed “Oceans of Cash” paper: http://www.clevelandfed.org/en/Newsro…

Mortgage-backed securities held by the Fed: https://research.stlouisfed.org/fred2…

Merrill Lynch’s MBS sales, July 2008: http://www.economonitor.com/analysts/…

Bailout (2012): http://www.imdb.com/title/tt1928331/?… (N.B.: I wrote and produced this film before learning how to turn on a camera. -JET)

Business birth and death rates: http://www.brookings.edu/~/media/rese…

Aldrich Plan cartoon: http://www.zerohedge.com/news/2015-06…

Ford Theatre Reunion’s Godzilla cover: http://www.youtube.com/watch?v=lMt4Oe…

Puttin’ on the Writs! National Liberty Alliance Files Mandamus Documents


Home

For those not aware, John Darash and his teams at the ‘National Liberty Alliance’ have been writing and issuing the documentation necessary to free us from the corruption and illegal tyranny of the dark cabal—the imposters posing as our ‘government’.

The “writ mandamus” documents have now been issued, and there are many of them to cover various aspects of the current “illegal” system.

I love this part:

This document is not for interpretation by BAR attorneys; “Laws are made for men of ordinary understanding and should, therefore, be construed by the ordinary rules of common sense. Their meaning is not to be sought for in metaphysical subtleties which may make anything mean everything or nothing at pleasure.” – Thomas Jefferson to William Johnson, 1823 ME 15:450. All respondents took an oath to uphold and protect the Constitution and therefore should understand these documents; if not learn or resign your post.

I’ve discussed this before but if you’re not aware, the ORIGINAL 13th Amendment to the US Constitution—before it was slipped out by the corrupt parties—stated that no one of “nobility” or individuals of title were to be part of the government. That referred at that time to those such as “esquire”, which were barristers, solicitors, lawyers, attorneys at law.

We know why that was intended to be part of the Constitution, and why it was removed. Most of the US government we interact with are lawyers, and they are responsible for drafting up documents, bills and laws that only they can understand and are far too large for our representatives to want to read in full, and they use a language that has an entirely different meaning than we lay people were taught.

They have corrupted the system, and we didn’t realize it. But now we know, and the illegalities of government are being addressed.

They pass laws to control us; we are playing by their rules. We’re taking them down legally—and peacefully, and this just may be our saving grace.

The corrupt courts are being served, and now the Common Law Grand Juries are in place to take the criminals to task—thanks to people like John Darash and his teams who have put years of work into this and seem to have pulled a rabbit out of a hat. I don’t know how they did this in the short time they’ve had. They must eat, sleep and breathe this stuff.

It’s incredible what they have accomplished, and I heartily applaud them for their dedication. The People of the Republic of the United States owe them a debt of gratitude. I trust other countries are following suit.

Legal documents have never been interesting for most of us to read (by design), but I think you’ll find these vastly different from what you might expect. They speak our language. Here’s a sample:

                                              LIBERTY RISING

The purpose of this Mandamus is to expose foreign and domestic tyrants posing as Americans that have infiltrated our government at all levels in a concerted effort to overthrow the fifty governments of the united 40 States by seizing their seat of power our Federal City a/k/a Washington DC. Thereby these tyrants have covertly erected a system which has conscripted vast human and material resources into the building of a tightly knit, highly efficient machine that combines military, diplomatic, intelligence, economic, scientific, political operations and through courts of fiction, contrary to the authority by which they claim, Article I Section 8 clauses 17 and 18, prevent the execution of the Law of the Land resulting in the enslaving of the 45 sovereign People of America;

I find this terribly exciting. We’re puttin’ on the writs!

Here is an excerpt from the writ mandamus for “Subversion”.

On June 6, 2015 We the People filed Writ Mandamus concerning subversion revealing Jade Helm, a Trojan-horse to take America, and exposing foreign and domestic tyrants, posing as Americans, who have infiltrated our government at all levels in a concerted effort to overthrow the fifty governments of the united States. These tyrants have seized their seat of power (our Federal City a/k/a Washington DC) and thereby have covertly erected a system which has conscripted vast human and material resources into the building of a tightly knit, highly efficient machine that combines military, diplomatic, intelligence, economic, scientific, political operations; through courts of fiction, contrary to the authority by which they claim (Article I Section 8 Clauses 17 and 18), prevent the execution of the Law of the Land resulting in the enslaving of the sovereign People of America;

“Now is the time to pay attention, take a stand and prevent these tyrants from building their dark cities. Become empowered. Read the Writs because we must “educate and inform the whole mass of the people… They are the only sure reliance for the preservation of our liberty.” Thomas Jefferson; and then join NLA as we take this battle to the courts and our federal city.”

If you can do nothing else, I heartily encourage you to take part in this battle. Take their advice and read the writs. It’s your duty as an American citizen of the Republic, and it’s truly interesting reading. Share them!

Click here to access the mandamus documents. Scroll down the home page until you see the mandamus links, beginning with May 20th. You can then access each PDF separately.

One of our readers is deeply involved in the NLA and shared a link to an upcoming interview segment. Looking forward very much to listening on Saturday.  ~ BP

As You Wish Talk Radio with James Gilliland

Laura says…

James Gilliland interviews my partner and I on his “As You Wish” radio show Saturday night 6/13/15 8pm PST and it is all about what to do and what is being done by National Liberty Alliance. NLA is making huge strides and the fraudulent court system is freaked. The Joint Chiefs of Staff have “The Unified Common Law Grand Jury” mandamus documents on Jade Helm as well. There is one little bit about my Blue Avian experience too. http://bbsradio.com/asyouwishtalkradio

DisclosureGate: Former Congress members bribed over Cheney’s secret Mars program


By Jon Kelly

NewsInsideOut.com

Vancouver, BC – In an exclusive interview broadcast live over YouTube on February 8, 2015, Citizen Hearing on Disclosure co-author Alfred Lambremont Webre, JD, MEd, responded to comments from CHD funder Tom Clearwater regarding the DisclosureGate report released by NewsInsideOut.com. The report offered whistleblower testimony and evidence of an insider witness to fraudulent actions and a cover-up surrounding the failed Disclosure Petition VII hosted on the White House website. In an official response Tom Clearwater indicated his lack of surprise concerning anomalies surfaced through the report while errantly citing “patterns in Mr. Webre’s life” as key to understanding its origins.

During the interview, former Citizen Hearing on Disclosure board member Alfred Lambremont Webre, JD, MEd, clearly illuminated the deep origins of DisclosureGate as emerging from within the U.S. military-industrial-governmental complex and its New World Order overseers, citing both Stephen Bassett and Tom Clearwater as “handymen” in the cover-up of a secret Mars Colony Corporation-based NWO depopulation agenda. Their works reportedly included bribing former members of Congress who heard testimony at the Hearing to silence discourse concerning U.S. activities on Mars and the role there of former U.S. Vice President Richard B. Cheney.

Tom Clearwater’s official response is appended to the original DisclosureGate report. The following is a transcript of Alfred Lambremont Webre, JD, MEd’s response to Tom Clearwater and the DisclosureGate report recorded live in Vancouver, British Columbia, Canada. It has been edited for clarity.

“As I understand it, Tom Clearwater, who’s a Vancouver lawyer and philanthropist, who we have actually interviewed (because he’s a very forward-looking mind and innovator), has now issued a statement in which he goes into denial around the irregularities that have come up around the Citizen Hearings Petition, which were the result of a whistleblower coming forth from the Citizen Hearing and approaching NewsInsideOut as a news outlet.

“Mr. Clearwater unfortunately made this an ad hominem about Alfred Webre, who had nothing to do with this, basically. I thought that I would come on the air and make several things very, very clear, because here you have substantial monies; one million dollars. I know for a fact that Mr. Clearwater’s family is outraged at him for having spent his inheritance and their family money on Mr. Bassett’s Citizen Hearing on Disclosure. I would be outraged also because I’m outraged at Mr. Bassett and I so notified Mr. Clearwater.

“Let me give some background. One of my jobs in the 1970s and early eighties was that I was a consultant to the Ford Foundation and its public interest environmental law program. I had to evaluate their programs when they funded the Environmental Defense Fund and the NRDC [Natural Resources Defense Council]. I’m well familiar with the protocols that go into looking at funding proposals. It is highly irregular to look at a funding proposal and to cut out the principals that had developed that funding proposal over time.

“I was a co-founder of the Citizen Hearing along with Mr. Bassett going back to 2005, 2006, 2007 and my name was up on the Internet as a member of the board on the public website. There was a very important reason for that. It wasn’t just Alfred Webre as a person. It was because I represented a whole line of research which had to do with the extraterrestrials on our nearest planet, that has to do with Mars. Now I know of at least eight whistleblowers from top secret U.S. programs on Mars that have come forward.

“This includes Lieutenant Commander Andrew D. Basiago, U.S. Marine Corps Captain Randy Cramer, Special Section and others who have shown that the U.S. has a presence on Mars, probably since the 1960s. We’re already 60 years into the presence there. Randy Cramer has been part of the Mars Defense Force. He spent 17 years in the Polar Regions with the U.S. Marines on peacekeeping and combat missions with the Martian reptilian and the Martian insectoid (mantid) civilizations and knows all about the Mars Colony Corporation.

“In fact, the Mars Colony Corporation contracted with the U.S. Marine Corps and the Mars Defense Force to provide these peacekeeping arrangements for the Mars Colony Corporation. The person who was in charge of the Mars Colony Corporation all these years was one Richard B. Cheney. That’s of extreme importance to the U.S. Congress, to the U.S. Executive, to the public at large and to the news media. Yet when the one million dollars was supposed to be given by attorney, let me emphasize that, attorney Tom Clearwater (and he emphasizes to me that he was at the top of his class). He should know this. It’s called due diligence. An attorney is under a double diligence to give and to ensure that all of the parties in a proposal are represented and that there is no fraud and negligence, which occurred here.

“I’d go beyond negligence. I’d go to fraud because it’s the U.S. Congress that has been defrauded, it’s the public that has been defrauded because the three trillion dollar U.S. program on Mars with Martian extraterrestrials, including the reptilian civilization, the mantid civilization and the Martian human civilization have been kept out of the public record by the nefarious, unlawful (under fiscal law), under breach of trust actions of Stephen Bassett and Tom Clearwater, Attorney at Law.

“Yes, I wish to speak up. I’m providing a total of six articles that go into the evidence behind this. I provided it at the time.

“What Mr. Bassett did was unconscionable. Out of the million dollars Mr. Bassett gave twenty thousand dollar bribes to each of the former congressmen who were there to keep quiet about life on Mars. I contacted each of the former senators and representatives directly on that.

“One of them, the former senator from Alaska had been a former correspondent along with me with PressTV. We had been on panels together and I told him, “You are being defrauded. You’re accepting twenty thousand dollars and you’re withholding the truth about the three trillion dollar U.S. program on Mars, about the extraterrestrials: the mantids, reptilians, the humans, the dramatic exopolitical drama that’s being placed on Mars.” The human Mars Colony Corporation headed up by Dick Cheney that has set up a secret gene pool to allegedly populate the Earth after the New World Order supposedly eliminates or depopulates the current what they call “surface dwellers.” Henry Kissinger has the word “useless eaters” for the surface dwellers.

“That is what Steve Bassett and Tom Clearwater did. They were doing the handiwork of a New World Order cover-up. Fortunately, as they say, they broke themselves against the law again.

“Now whether or not the public will listen to this broadcast and will listen to these facts now that they have broken the law with regard to petitions that are on the White House website, we will see. Mr. Bassett has shown himself to be completely lawless in the past. We will see whether he continues to be completely lawless and continues to cover up the U.S. mission on Mars and all of the extraterrestrial civilizations on Mars for his own convenience.

“Who knows what sort of payoffs Stephen Bassett has gotten for this. And who knows what payoff Tom Clearwater, who is saying, to try and involve me in the cover-up that he used a million dollars of his family’s money, who are now vehemently objecting to his use of that money, for a cover-up.”

Prior Journalistic Investigations of Stephen Bassett by Alfred Lambremont Webre, JD, MEd:

HEARINGS & BASSETT COVERUP OF LIFE ON MARS AND US BASES ON MARS

Is Upcoming “Citizen’s Hearing” an ET Coverup and more? See: http://ufodigest.com/article/upcoming-citizens-hearing-et-coverup-and-more

FROM Andrew D. Basiago “I join all living US chrononauts in urging a boycott of the Citizens’ Hearing. See: http://exopolitics.blogs.com/exopolitics/2013/04/from-andrew-d-basiago-i-join-all-living-us-chrononauts-in-urging-a-boycott-of-the-citizens-hearing-.html

Citizen Hearing intentionally misleads former Sen. Mike Gravel on nature of U.S. relations with extraterrestrials See: http://exopolitics.blogs.com/exopolitics/2013/04/citizen-hearing-intentionally-misleads-former-sen-mike-gravel-on-nature-of-us-relations-with-extrate.html

BASSETT FINANCIALLY UNETHICAL, CUTS OUT CO-FOUNDER OF PROJECT AS PART OF MARS COVERUP

Steve Bassett raises $1 million on proposal for Citizen Hearing co-authored by Alfred Webre, arbitrarily refuses Webre opportunity to testify on 1977 Carter White House ET Study See: http://exopolitics.blogs.com/exopolitics/2012/11/steve-bassett-arises-1-million-on-proposal-for-citizen-hearing-co-authored-by-alfred-webre-arbitrari.html

BASSETT & OTHERS MIND CONTROLLED

Bassett, Huneeus and Greer’s Brain-Mind Entrainment by Manipulatory Extraterrestrials See: http://www.bibliotecapleyades.net/vida_alien/alien_humanitymanipulationalien53.htm

UFO/ET Citizen Hearing Director/Witness Stephen Bassett’s Anomalous Eye Movements See: http://one-vibration.com/video/ufo-et-citizen-hearing-director-witness-stephen-bassett-s?xg_source=activity#.VNffSsYfksc

Recommended Reading

DisclosureGate: Activist cites ethical breaches, cover-up, withdraws Petition/CHD support

Roundtable: Pleiadian nuke destroyed Mars ecology? Cheney ran Mars Colony Corporation

Marine Corps: Plan to replace humanity with Mars elite DNA colony

MH370: CIA front Inmarsat’s SIGNINT Iran nuclear missile secrets revealed

Cheney’s ‘Kiss of Shame’: A satanic torture conspiracy revealed

 

http://newsinsideout.com/2015/02/disclosuregate-former-congress-members-bribed-cheneys-secret-mars-program/


 

The fiddling with temperature data is the biggest science scandal ever


New data shows that the “vanishing” of polar ice is not the result of runaway global warming

The “vanishing” of polar ice (and the polar bears) has become a poster-child for warmists. Photo: ALAMY

When future generations look back on the global-warming scare of the past 30 years, nothing will shock them more than the extent to which the official temperature records – on which the entire panic ultimately rested – were systematically “adjusted” to show the Earth as having warmed much more than the actual data justified.

Two weeks ago, under the headline “How we are being tricked by flawed data on global warming”, I wrote about Paul Homewood, who, on his Notalotofpeopleknowthat blog, had checked the published temperature graphs for three weather stations in Paraguay against the temperatures that had originally been recorded. In each instance, the actual trend of 60 years of data had been dramatically reversed, so that a cooling trend was changed to one that showed a marked warming.

This was only the latest of many examples of a practice long recognised by expert observers around the world – one that raises an ever larger question mark over the entire official surface-temperature record.

Following my last article, Homewood checked a swathe of other South American weather stations around the original three. In each case he found the same suspicious one-way “adjustments”. First these were made by the US government’s Global Historical Climate Network (GHCN). They were then amplified by two of the main official surface records, the Goddard Institute for Space Studies (Giss) and the National Climate Data Center (NCDC), which use the warming trends to estimate temperatures across the vast regions of the Earth where no measurements are taken. Yet these are the very records on which scientists and politicians rely for their belief in “global warming”.

Homewood has now turned his attention to the weather stations across much of the Arctic, between Canada (51 degrees W) and the heart of Siberia (87 degrees E). Again, in nearly every case, the same one-way adjustments have been made, to show warming up to 1 degree C or more higher than was indicated by the data that was actually recorded. This has surprised no one more than Traust Jonsson, who was long in charge of climate research for the Iceland met office (and with whom Homewood has been in touch). Jonsson was amazed to see how the new version completely “disappears” Iceland’s “sea ice years” around 1970, when a period of extreme cooling almost devastated his country’s economy.

One of the first examples of these “adjustments” was exposed in 2007 by the statistician Steve McIntyre, when he discovered a paper published in 1987 by James Hansen, the scientist (later turned fanatical climate activist) who for many years ran Giss. Hansen’s original graph showed temperatures in the Arctic as having been much higher around 1940 than at any time since. But as Homewood reveals in his blog post, “Temperature adjustments transform Arctic history”, Giss has turned this upside down. Arctic temperatures from that time have been lowered so much that that they are now dwarfed by those of the past 20 years.

Homewood’s interest in the Arctic is partly because the “vanishing” of its polar ice (and the polar bears) has become such a poster-child for those trying to persuade us that we are threatened by runaway warming. But he chose that particular stretch of the Arctic because it is where ice is affected by warmer water brought in by cyclical shifts in a major Atlantic current – this last peaked at just the time 75 years ago when Arctic ice retreated even further than it has done recently. The ice-melt is not caused by rising global temperatures at all.

Of much more serious significance, however, is the way this wholesale manipulation of the official temperature record – for reasons GHCN and Giss have never plausibly explained – has become the real elephant in the room of the greatest and most costly scare the world has known. This really does begin to look like one of the greatest scientific scandals of all time.

http://www.telegraph.co.uk/news/earth/environment/globalwarming/11395516/The-fiddling-with-temperature-data-is-the-biggest-science-scandal-ever.html

Jon Rappoport, CDC Fraud: Vaccine Autism Link & Ebola ~ Red Ice Creations



September 26, 2014
Jon Rappoport is an investigative journalist, author and publisher of the website nomorefakenews.com. He has worked as an investigative reporter for 30 years, writing articles on politics, medicine, and health. Jon has delivered lectures and seminars on global politics, health, logic, and creative power to audiences around the world. He returns to give a complete run down on the recent CDC scandal. On August 25, 2014 the CDC published a press release defending its 2004 study on autism. Two days later CDC whistleblower publicly admits he and his co-authors cooked that study and committed fraud. The CDC was referring to the 2004 study whistleblower William Thompson co-authored, the study he admitted was fraudulent, the study he and his co-authors slanted to bury the connection between the MMR vaccine and autism. Jon discusses the complexities behind this huge cover-up. Actor, Rob Schneider also said he has a copy of “the original CDC report that was later suppressed and fraudulently changed.” Later, Jon talks about the striking similarity between the Thompson and Snowden stories. In this extended interview, we’ll continue discussing the vaccine as well as the length the CDC and government will go to obscure damage they’ve created. We’ll move on to talk about the Ebola epidemic. We’ll hear how the CDC is getting their numbers on cases and how it is being diagnosed. The CDC claims that there will be “1 million Ebola cases by January.” As Ebola victims fly into Western nations, Jon discusses what possible scenarios are being planned in the near future in Western nations.

LISTEN HERE

Australia’s former Prime Minister Julia Gillard takes the stand


gillard2

For those who intend to watch a former Prime Minister try to defend the indefensible in the Royal Commission into Unions today here’s a brief précis of what Julia Gillard and her union thug boyfriend, Bruce Wilson were up to.

Julia Gillard was sacked as a lawyer at Slater & Gordon for good reason. She had lied to the WA Corporate Affairs Commissioner (using the bona fides of her law firm) to incorporate the fraudulent “AWU Workplace Reform Association” to enable extorted funds to be paid from construction companies who understandably thought they were paying the AWU.

The funds never reached the AWU, which incredibly at the time was a major client of Gillard’s law firm. Another 12 fraudulent bank accounts were set up using the AWU Workplace Reform Association bank account as the principal account.

Approximately $1.3 million was paid into these false accounts in Melbourne and Perth during the early 90s. Sums of up to $50,000 were regularly withdrawn in cash.

The money was laundered by purchasing houses in Melbourne and Perth, and by paying cash for renovations. The houses were then resold at a profit.

Julia Gillard’s Abbottsford house and Wilson’s Fitzroy property were being renovated at the same time when suddenly the cash payments to the renovators stopped and they complained to the AWU… the entity they thought was paying them.

Of course the AWU wanted to know what the hell was going on and Gillard raced into Slater & Gordon offices with receipts, but her receipts didn’t prove anything except that the renovators had previously been paid.

Gillard was caught red handed and she and equity partner Bernard Murphy (who as Prime Minister Gillard later promoted to the Federal Court Bench) had to leave hurriedly.

Justice Bernard Murphy lied to the Commission when he said yesterday that he didn’t know of the scam until three years after he and Gillard had departed Slater & Gordon.

Police investigations have been frustrated with Joe Trio, who was boss of Thiess Constructions and Wilson’s brother-in-law, Bill Shorten and Bill Ludwig of the AWU all refusing to co-operate.

This incredible story has more twists and turns than Rome’s catacombs and it will take all the guile and skill of Counsel Assisting the Commissioner, Jeremy Stoljar, to break Gillard’s claim of, “I did nothing wrong”.

She may never be charged but the truth will eventually prevail and, after she leaves the witness box today, the many people she has hurt along the way will sleep a little better tonight.

Gillard was not young and naive at the age of 32 and this union scam she financially benefited from could never have occurred without her criminal complicity.

BANGGGGG

Stoljar had not done his homework, Galbally should have stayed in bed and Gillard lied through her teeth… but she had her ducks in order. Wilson is still clearly under her spell and other witnesses had changed their evidence overnight to suit Gillard’s account of events.

Slater & Gordon don’t sack staff for no reason and for Gillard to say she didn’t know what the fraudulent association and bank accounts were for indicates she is either extremely dumb or a very good liar.

Wilson has so far been successful in claiming privilege over Slater & Gordon files but the question must be asked, if he and Gillard have nothing to hide, why then has privilege been claimed?

Jeremy Stoljar avoided going for Julia’s exposed jugular and he may have good reasons for doing so because Vicpol has had 12 detectives shadowing Wilson and Gillard for the past for 18 months and may not wish to telegraph their punches.

An awful lot was missing from Stoljar’s examination today and I for one was expecting critical questions that never came. But history shows that lawyers never like interrogating lawyers, perhaps they imagine themselves in the same dock one day.

It’s just as well 12 fraud squad detectives won’t feel the same way.

http://newsforsharing.com/political/gillard-takes-the-stand/

CDC whistleblower is just the tip of the iceberg


by Jon Rappoport

August 26, 2014

www.nomorefakenews.com

William Thompson, the CDC whistleblower, has yet to step into the light and make a full and definitive statement about the CDC concealing MMR-vaccine dangers.

Mothers of autistic children are now preparing a class-action suit against the CDC for covering up the MMR vaccine-autism connection. They will undoubtedly want Thompson as a witness.

He can talk now or talk later.

The public at large still has blind faith in “medical experts” and the truth of published studies.

Fraud at the CDC? A study that was intentionally distorted to give a pass to a toxic and highly dangerous vaccine? What? How could that be?

Well, here’s a medical expert. For 20 years, she had a front-row seat that very few doctors or researchers ever occupy. Thousands of medical studies arrived at her desk. She was a “queen of judgment.”

She is Dr. Marcia Angell. She was the editor of the most prestigious medical journal in the world, The New England Journal of Medicine.

On January 15, 2009, the NY Review of Books published Dr. Angell’s devastating assessment of medical literature:

“It is simply no longer possible to believe much of the clinical research that is published, or to rely on the judgment of trusted physicians or authoritative medical guidelines. I take no pleasure in this conclusion, which I reached slowly and reluctantly over my two decades as an editor of The New England Journal of Medicine.” —(Marcia Angell, MD, “Drug Companies and Doctors: A story of Corruption.” NY Review of Books, Jan. 15, 2009.)

Here is another quote of a similar nature, also published in the NY Review of Books (May 12, 2001, Helen Epstein, “Flu Warning: Beware of Drug Companies”):

“Six years ago, John Ioannidis, a professor of epidemiology at the University of Ioannina School of Medicine in Greece, found that nearly half of published articles in scientific journals contained findings that were false.”

Here’s another quote from the same article:

“Last year, GlaxoSmithKline’s diabetes drug Avandia was linked to thousands of heart attacks, and earlier in the decade, the company’s antidepressant Paxil was discovered to exacerbate the risk of suicide in young people. Merck’s painkiller Vioxx was also linked to thousands of heart disease deaths. In each case, the scientific literature gave little hint of these dangers.”

And finally, here is yet another statement from Marcia Angell, former editor of The New England Journal of Medicine:

“A review of seventy-four clinical trials of antidepressants, for example, found that thirty-seven of thirty-eight positive studies [that praised the drugs] were published. But of the thirty-six negative studies, thirty-three were either not published or published in a form that conveyed a positive outcome.”

It turns out that the informational pipeline that feeds the entire perception of pharmaceutical medicine is a rank fraud.

So…a 2004 study at the CDC that intentionally buried the MMR vaccine’s connection to autism?

It’s just business.

Tell that to parents of autistic children.

http://jonrappoport.wordpress.com/

The Biggest Scam In The History Of Mankind – Hidden Secrets of Money 4 | Mike Maloney


Bonus Presentation here: http://www.hiddensecretsofmoney.com
Written By: Mike Maloney and Dan Rubock. Animation: Aden Mackness. Presented By Mike Maloney. Cameras, Edit, Sound Design: Dan Rubock

You are about to learn one of the biggest secrets in the history of the world… it’s a secret that has huge effects for everyone who lives on this planet. Most people can feel deep down that something isn’t quite right with the world economy, but few know what it is.

Gone are the days where a family can survive on just one paycheck… every day it seems that things are more and more out of control, yet only one in a million understand why. You are about to discover the system that is ultimately responsible for most of the inequality in our world today.

The powers that be DO NOT want you to know about this, as this system is what has kept them at the top of the financial food-chain for the last 100 years.

Learning this will change your life, because it will change the choices that you make. If enough people learn it, it will change the world… because it will change the system .

For this is the biggest Hidden Secret Of Money.

Never in human history have so many been plundered by so few, and it’s all accomplished through this… The Biggest Scam In The History Of Mankind.

===========================

For more info. on Gold, Silver, & Mike Maloney, visit the Why Gold & Silver channel and subscribe: http://goo.gl/emXEB

Also join GoldSilver.com & Mike Maloney on other websites and social networks:

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Crimes of the Banks Exposed – UBUNTU Party Michael Tellinger


Michael Tellinger from the UBUNTU Party exposes how the South African Reserve Bank and their foot soldiers, all the private banks in our country, commit crimes against our people, unlawfully closing their accounts and stealing their money. In this case the SARB and STANDARD BANK stole around R320 million rand from a network marketing team that was getting too big and too wealthy. SARB simply closed their account and kept their money falsely accusing them of all kinds of activities. This group consists of around 190,000 people, many of whom are now pledging their support for the UBUNTU Party to prevent this from happening in future. UBUNTU Party will replace the privately owned Reserve Bank, by a PEOPLE’S BANK that will create money for the people, by the people and supply money free of tax, levies, interest or any other charges, for all activities in our communities – creating 100% employment and allowing all of us to live beautiful lives of abundance, free of all debt. The main function of a PEOPLE’S BANK is to provide the money that communities need in all areas of their activity. Home loans at 0% interest and no more repossessions.

Shocking ’60 Minutes’ Report Will Shake Wall Street To Its Core!


Monday, March 31, 2014 7:45

(Before It’s News)

The bombshell ’60 Minutes’ report below just released last night will shake Wall Street to its core. Exposing that Wall Street is rigged to the benefit of certain insiders who have made BILLIONS of dollars via computerized trading, this report should bring Wall Street to its knees. 2nd video also below.

This next video is Dahboo7′s take on this latest revelation.

http://beforeitsnews.com/economics-and-politics/2014/03/shocking-60-minutes-report-will-shake-wall-street-to-its-core-2463386.html?ut

Profiting off polluting: How Big Oil is defrauding states to clean up toxic fuel leaks. Oil companies are being paid twice to deal with their own messes


Monday, Feb 10, 2014 04:57 AM HST

Profiting off polluting: How Big Oil is defrauding states to clean up toxic fuel leaks

To anyone who drinks water, the rusted, leaky underground tanks storing underground fuel are the “single largest threat” to its safety. To major oil companies, they’re an opportunity to profit.

Reuters has an exclusive report on the despicable fraud being carried out by Big Oil. Call it “double-dipping”: When toxic, potentially carcinogenic leaks of gas and diesel threaten aquifers, the companies accept government funds to clean it up. Then, they apply for a second payout from the insurance companies. And all the big guys, it seems, are going for it: Chevron, Exxon, ConocoPhillips and Sunoco have agreed to settlements over the past three years totaling over $105 million.

“When I first saw these cases, I thought this is kind of incredible,” said New Mexico Assistant Attorney General Seth Cohen. “The oil companies have, in effect, profited off polluting.”

Here’s more from Reuters on the widespread fraud and the dream team working to expose it:


Approximately 40 states and the District of Columbia have special funds to cover the costs of removing and replacing the old tanks, excavating tainted dirt and pumping out dirty groundwater.

Since 1988, there have been more than half a million leaky tanks reported across the country. Nearly 80,000 spills still are waiting to be cleaned up.

In the New Mexico settlement last September, court documents show the origin of the case against Chevron was a sealed lawsuit filed by [Thomas] Schruben and [Dennis] Pantazis’ team in 2009 under a state law designed to protect taxpayers from fraud.

One document from 2006, for example, shows Chevron received a check for $19,000 from the state to clean up and monitor a leak at a gas station in the small, southern New Mexico town of Artesia. On the application to receive money from the tank fund, the company checked “No” next to the question: “Do you have insurance?”

The lawsuit accused Chevron of receiving insurance payouts to deal with many kinds of environmental contamination, including policies that would have covered leaks at the gas station in Artesia – a fact it kept hidden from the state.

About 20 more cases across the country are currently pending.

None of the companies, of course, have admitted to having done any of this wittingly. Those who have settled out of court did so on good faith that they simply didn’t realize they had applied twice for cleanup funds. As Reuters points out, the millions paid out in settlements are practically nothing for them. But for cash-strapped states, they’re a major something.

Lindsay Abrams

Lindsay Abrams is an assistant editor at Salon, focusing on all things sustainable. Follow her on Twitter @readingirl, email labrams@salon.com.

http://www.salon.com/2014/02/10/profiting_off_polluting_how_big_oil_is_defrauding_states_to_clean_up_toxic_fuel_leaks/

DRIVERS LICENSE VS RIGHT TO TRAVEL


trafficlights2.gif (2124 bytes)

Right to Travel

 

DESPITE ACTIONS OF POLICE AND LOCAL COURTS,
HIGHER COURTS HAVE RULED THAT AMERICAN CITIZENS
HAVE A RIGHT TO TRAVEL WITHOUT STATE PERMITS

By Jack McLamb (from Aid & Abet Newsletter)

For years professionals within the criminal justice system have acted on the belief that traveling by motor vehicle was a privilege that was given to a citizen only after approval by their state government in the form of a permit or license to drive. In other words, the individual must be granted the privilege before his use of the state highways was considered legal. Legislators, police officers, and court officials are becoming aware that there are court decisions that disprove the belief that driving is a privilege and therefore requires government approval in the form of a license. Presented here are some of these cases:

CASE #1: “The use of the highway for the purpose of travel and transportation is not a mere privilege, but a common fundamental right of which the public and individuals cannot rightfully be deprived.” Chicago Motor Coach v. Chicago, 169 NE 221.

CASE #2: “The right of the citizen to travel upon the public highways and to transport his property thereon, either by carriage or by automobile, is not a mere privilege which a city may prohibit or permit at will, but a common law right which he has under the right to life, liberty, and the pursuit of happiness.” Thompson v. Smith, 154 SE 579.

It could not be stated more directly or conclusively that citizens of the states have a common law right to travel, without approval or restriction (license), and that this right is protected under the U.S Constitution.

CASE #3: “The right to travel is a part of the liberty of which the citizen cannot be deprived without due process of law under the Fifth Amendment.” Kent v. Dulles, 357 US 116, 125.

CASE #4: “The right to travel is a well-established common right that does not owe its existence to the federal government. It is recognized by the courts as a natural right.” Schactman v. Dulles 96 App DC 287, 225 F2d 938, at 941.

As hard as it is for those of us in law enforcement to believe, there is no room for speculation in these court decisions. American citizens do indeed have the inalienable right to use the roadways unrestricted in any manner as long as they are not damaging or violating property or rights of others. Government — in requiring the people to obtain drivers licenses, and accepting vehicle inspections and DUI/DWI roadblocks without question — is restricting, and therefore violating, the people’s common law right to travel.

Is this a new legal interpretation on this subject? Apparently not. This means that the beliefs and opinions our state legislators, the courts, and those in law enforcement have acted upon for years have been in error. Researchers armed with actual facts state that case law is overwhelming in determining that to restrict the movement of the individual in the free exercise of his right to travel is a serious breach of those freedoms secured by the U.S. Constitution and most state constitutions. That means it is unlawful. The revelation that the American citizen has always had the inalienable right to travel raises profound questions for those who are involved in making and enforcing state laws. The first of such questions may very well be this: If the states have been enforcing laws that are unconstitutional on their face, it would seem that there must be some way that a state can legally put restrictions — such as licensing requirements, mandatory insurance, vehicle registration, vehicle inspections to name just a few — on a citizen’s constitutionally protected rights. Is that so?

For the answer, let us look, once again, to the U.S. courts for a determination of this very issue. In Hertado v. California, 110 US 516, the U.S Supreme Court states very plainly:

“The state cannot diminish rights of the people.”

And in Bennett v. Boggs, 1 Baldw 60,

“Statutes that violate the plain and obvious principles of common right and common reason are null and void.”

Would we not say that these judicial decisions are straight to the point — that there is no lawful method for government to put restrictions or limitations on rights belonging to the people? Other cases are even more straight forward:

“The assertion of federal rights, when plainly and reasonably made, is not to be defeated under the name of local practice.” Davis v. Wechsler, 263 US 22, at 24

“Where rights secured by the Constitution are involved, there can be no rule making or legislation which would abrogate them.” Miranda v. Arizona, 384 US 436, 491.

“The claim and exercise of a constitutional right cannot be converted into a crime.” Miller v. US, 230 F 486, at 489.

There can be no sanction or penalty imposed upon one because of this exercise of constitutional rights.” Sherer v. Cullen, 481 F 946

We could go on, quoting court decision after court decision; however, the Constitution itself answers our question – Can a government legally put restrictions on the rights of the American people at anytime, for any reason? The answer is found in Article Six of the U.S. Constitution:

“This Constitution, and the Laws of the United States which shall be made in Pursuance thereof;…shall be the supreme Law of the Land; and the Judges in every State shall be bound thereby, any Thing in the Constitution or laws of any State to the Contrary not one word withstanding.”

In the same Article, it says just who within our government that is bound by this Supreme Law:

“The Senators and Representatives before mentioned, and the Members of the several State Legislatures, and all executive and judicial Officers, both of the United States and of the several States, shall be bound by Oath or Affirmation, to support this Constitution…”

Here’s an interesting question. Is ignorance of these laws an excuse for such acts by officials? If we are to follow the letter of the law, (as we are sworn to do), this places officials who involve themselves in such unlawful acts in an unfavorable legal situation. For it is a felony and federal crime to violate or deprive citizens of their constitutionally protected rights. Our system of law dictates that there are only two ways to legally remove a right belonging to the people. These are:

  1. by lawfully amending the constitution, or
  2. by a person knowingly waiving a particular right.

Some of the confusion on our present system has arisen because many millions of people have waived their right to travel unrestricted and volunteered into the jurisdiction of the state. Those who have knowingly given up these rights are now legally regulated by state law and must acquire the proper permits and registrations. There are basically two groups of people in this category:

More- http://www.land.netonecom.net/tlp/ref/right2travel.shtml

===============================================================

Raymond Karczewski
DRIVERS LICENSE VS RIGHT TO TRAVEL
Thu Mar 29 14:52:35 2001

DRIVERS LICENSE VS RIGHT TO TRAVEL

George Lee McElroy wrote:

Raymond Karczewski wrote:

rk: I received Mr. McElroy’s letter to DA Clay Johnson (see below) and was given permission to repost it. May I suggest readers also repost it widely for whomever has the intelligence to understand the conversion of our Unalienable Rights and Freedoms into the slavery of governmental “Privilege” where an Inalienable Right can be transformed into a Crime.

rk: It would seem that some people are waking up to this Insurance Industry/Government Bureaucracy-instigated Driver’s Licensing “Construction Fraud” long perpetrated upon the gullible American People by its mind-controlling government.

rk: It appears that we are no longer a nation governed by Constitutional Law, but have slowly and incrementlly through mind control techniques (Propaganda) become a nation controlled and dominated by bureaucratic regulation which operates under the shadowy “color” of law. Such could not happen if the public “Traveller” who travels the public roadways in the “usual conveyance of the day,” i.e., private automobile, for nonbusiness, private purposes were not coerced into entering a contract without full disclosure of the contract’s terms being made at the
time. Signing that contract without full knowledge of its terms requires one to waive one’s Contitutional Rights and accept the full terms of a regulatory contract with penalties and sanctions designed to police the actions and conduct of those who use the public roadways for business or profit.

rk: It is through such nefarious manipulations that confusion regarding the relationship of a people and with its government emerges, wherein the Master — the people — become the Servant, and the Servant — the government — becomes the Master. Such is the transformation from Freedom to Tyranny when Rights are converted into Privileges.

rk: Here in the United States, isn’t it time we took back control of our country? Isn’t it time we took back control over our lives?

rk: How many reading this have been damaged psychologically and financially by such fraud through fines, incarceration, and or coercive participation in mental health program followup, and are up for joining in and launching a Class Action Law Suit against the government in this issue?

rk; Yes, folks, the curtain has been lifted and it’s about time YOU PAID ATTENTION to the WIZARD BEHIND IT.

Ray Karczewski

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Clay Johnson
District Attorney
Josephine County, Oregon
500 N.W. 6th Street / Courthouse
Grants Pass, Oregon 97526

Mr. Johnson,

Free people have a right to travel on the roads that are provided by their servants for that purpose, using ordinary transportation of the day. Licensing cannot be required of free people because taking on the restrictions of a license requires the surrender of a right. The drivers license can be required of people who use the highways for trade, commerce or hire; that is, if they earn their living on the road, and they use extraordinary machines on the roads. In other words, if you are not using the highways for profit, you cannot be required to have a drivers license.

Personal liberty consists of the power of locomotion, of changing situations, of removing one’s person to whatever place one’s inclination may direct, without imprisonment or restraint unless by due process of law. Streets and highways are established and maintained for the purpose of travel and transportation by the public. Such travel may be for business or pleasure. The use of the highways for the purpose of travel and transportation is not a mere privilege, but a common and fundamental right of which the public and the individual cannot be rightfully deprived.
Where rights secured by the Constitution are involved, there can be no rule making or legislation that would abrogate them. The claim and exercise of a Constitutional right cannot be converted into a crime. There can be no sanction or penalty imposed upon one because of this exercise of Constitutional rights. I believe a great fraud has been perpetrated against the free people of the United States of America. Be advised that fraud vitiates the most solemn contract.

I do not make my living on the roads. I have never applied for a grant of driving privileges from the State of Oregon in the form of a license. I was, however, on 10/15/2000, charged with the offense of “No Operators License”. I was given a summons to appear in the Grants Pass Circuit Court. I was not required to sign the summons nor did I agree to appear. The state cannot produce any document signed by me granting an attachment of equity jurisdiction between the United States and me. The Josephine County court, without proper jurisdiction, has attached a liability to me in the amount of $218.75 and assigned it to the Oregon Department of Revenue for collection. I am being threatened with the issuance of a distraint warrant. The DMV has issued me a license number for tracking purposes so they can record a suspension of driving privileges. The state has converted my Constitutional right into a crime without due process of law.

At this time I respectfully demand that all records involving driving or operating privileges, all court records, all assignments, liabilities, and warrants having my name on them be destroyed. This communication, in addition to you, is also being sent to all the major newsgroups on the internet and other groups in the United States that are actively involved in restoring our sacred liberties that are being taken from us one by one by more or less rapid encroachment. I believe in the rule of law. I stand firmly against the abrogation of NATURAL RIGHTS endowed us by our creator.

Sincerely,

George Lee McElroy

Cc: Oregon Department of Revenue
Oregon Department of Motor Vehicles
Representative Carl Wilson
Representative Jason Atkinson
Ray Karczewski
Illinois Valley News
Grants Pass Daily Courier
Josephine County Sheriff, Dave Daniel
Oregon Attorney General, Hardy Meyers
United States Attorney General, John Ashcroft

 

============================

 

Raymond Karczewski
Re: Here’s your controlling law Raymond — OR IS IT???
Thu Mar 29 18:29:40 2001

Re: Here’s your controlling law Raymond — OR IS IT???

Date: Thu, 29 Mar 2001 23:54:45 GMT

From: Immature and irresponsible (unknown)

unk: You’re incoherent

unk: Why do you think only drivers of commercial vehicles need demonstrate driving competence? Are other drivers any less dangerous? Why? And what are your legal references to support any of your claims? I see nothing in your posts to support your argument in logic or law.

rk: Then you are not only an ignoramus but a blind one at that!
In the strict Letter of the Word environment which pervades the the legislative/judicial aspects of government, do not Oregon Revised Statutes § 807.080 (1999) fall within the Maxim
Res Ipsa Loquitor, i.e., “It Speaks for Itself.”?

rk: If you would like to read it ONCE MORE and see what I mean, HERE IT IS AGAIN.

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~`

Oregon Revised Statutes § 807.080 (1999)

807.080. Driver competency testing certificates; waiver of demonstration test for persons certified; rules; fees.

(1) The Department of Transportation, by rule, shall provide for the following in a manner consistent with this section: (a) The issuance of driver competency testing certificates. (b) The regulation of persons issued driver competency testing certificates.

(2) A person issued a driver competency testing certificate under this section may certify, in a manner established by the department, the competency of drivers to safely exercise driving privileges granted only under one or more of the following:

(a) A Class A commercial driver license.

(b) A Class B commercial driver license.

(c) A Class C commercial driver license.

(3) The department may waive an actual demonstration of ability to operate a motor vehicle under ORS 807.070 for an applicant who is certified by the holder of a driver competency testing certificate as competent to exercise the driving privileges in the class of license sought by the applicant.

(4) The rules adopted by the department under this section may include any of the following:

(a) The rules may establish reasonable fees for the issuance of a certificate or as part of any program of regulating certificate holders that is established by the department.

(b) The department may make the certificate renewable upon any basis determined convenient by the department and may include provisions for cancellation, revocation or suspension of certificates or for probation of certificate holders.

(c) The department may provide for the issuance of certifications allowing the holder to certify competency in several classes or types of driving privileges or limiting the classes or types of driving privileges for which the holder may certify competency.

(d) The department may establish the forms of certificates to be issued.

(e) The department may establish and require forms that are to be used by certificate holders in certifying competency.

(f) The department may establish any qualifications or requirements for obtaining a certificate that the department determines necessary to protect the interests of persons seeking certification by certificate holders.

(g) The department may issue certificates to publicly owned and operated educational facilities to allow programs for certification of competency.

(h) The department may issue certificates to employers to allow the employers to establish programs primarily for the certification of employees’ competency. The department may provide that programs established under this paragraph may be operated without driver training school certificates under ORS 822.500 and without driver training instructor certificates under ORS 822.525.

(i) The department may establish any other provisions or requirements necessary to carry out the purposes of this section.

HISTORY: 1985 c.608 § 36; 1989 c.636 § 20

 

====================================

 

Raymond Karczewski
Here’s your controlling law Raymond — OR IS IT???
Thu Mar 29 17:34:43 2001

Here’s your controlling law Raymond — OR IS IT???

unk: Here’s your controlling law Raymond

Re: DRIVERS LICENSE VS RIGHT TO TRAVEL (Raymond Karczewski)

Date: Thu, 29 Mar 2001 22:02:55 GMT

From: Maybe you’d like to actually read it? (unknown)

unk: Here is the legislation duly enacted by representatives of the people. You’ll notice, if you take the trouble to actually read the controlling law here, that teh purspoe of the license is to protect public safety, a compelling governmental interest that is upheld by appellate review.

rk: You will also notice that such legislation SPECIFICALLY applies ONLY TO “drivers” and commercially “driven” motor Vehicles, (check out legal definition of “driver” and “motor vehicle”) AND NOT to Travellers and their private automobiles used in noncommercial activities.

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Oregon Revised Statutes § 807.080 (1999)

807.080. Driver competency testing certificates; waiver of demonstration test for persons certified; rules; fees.

(1) The Department of Transportation, by rule, shall provide for the following in a manner consistent with this section: (a) The issuance of driver competency testing certificates. (b) The regulation of persons issued driver competency testing certificates.

(2) A person issued a driver competency testing certificate under this section may certify, in a manner established by the department, the competency of drivers to safely exercise driving privileges granted only under one or more of the following:

(a) A Class A commercial driver license.

(b) A Class B commercial driver license.

(c) A Class C commercial driver license.

(3) The department may waive an actual demonstration of ability to operate a motor vehicle under ORS 807.070
for an applicant who is certified by the holder of a driver competency testing certificate as competent to exercise the driving privileges in the class of license sought by the applicant.

(4) The rules adopted by the department under this section may include any of the following:

(a) The rules may establish reasonable fees for the issuance of a certificate or as part of any program of regulating certificate holders that is established by the department.

(b) The department may make the certificate renewable upon any basis determined convenient by the department and may include provisions for cancellation, revocation or suspension of certificates or for probation of certificate holders.

(c) The department may provide for the issuance of certifications allowing the holder to certify competency in several classes or types of driving privileges or limiting the classes or types of driving privileges for which the holder may certify competency.

(d) The department may establish the forms of certificates to be issued.

(e) The department may establish and require forms that are to be used by certificate holders in certifying competency.

(f) The department may establish any qualifications or requirements for obtaining a certificate that the department determines necessary to protect the interests of persons seeking certification by certificate holders.

(g) The department may issue certificates to publicly owned and operated educational facilities to allow programs for certification of competency.

(h) The department may issue certificates to employers to allow the employers to establish programs primarily for the certification of employees’ competency. The department may provide that programs established under this paragraph may be operated without driver training school certificates under ORS 822.500 and without driver training instructor certificates under ORS 822.525.

(i) The department may establish any other provisions or requirements necessary to carry out the purposes of this section.

HISTORY: 1985 c.608 § 36; 1989 c.636 § 20

=================================

Rev. Dr. J.D. Hooker
reply
Thu Mar 29 15:44:33 2001

This is just my own opinion, & anyone’s free to disagree!!!
The Amish folks don’t get drivers licenses, & they use the roadways!! BUT–they don’t operate lethally dangerous iron motor vehicles either! In most states you can also drive a farm tractor on public roadways without any sort of license! They also don’t have the EXPENSE of fuel, oil, tires, tune-ups & so forth! IF you’re going to operate a car or truck, I’d recommend taking the trouble to get a license. If you don’t want to, then why not trade in your car for a horse& buggy, or for a John Deere?

===============================

Right to Travel Vs. Drivers License
http://www.land.netonecom.net/tlp/ref/right2travel.shtml

Armey Exposes Traffic-Light Spying
http://www.apfn.org/apfn/traffic-light.htm

 

Driver Licensing vs. the Right to Travel
http://user.icx.net/~drherb/licensing.html

 

Wood County Texas Courts’
Violation of Soverign Citizen’s, Constitutional Right’s
http://user.icx.net/~drherb/licensing.html  

 

COMMON LAW VEHICULAR JUDICIAL NOTICE
CONSTITUTIONAL DRIVERS LICENSE
http://justiceprose.8m.com/carl/carl41.html

 

STATE OF MINNESOTA
IN COURT OF APPEALS
C2-96-1116
http://www.lawlibrary.state.mn.us/archive/ctappub/9702/c2961116.htm

 

The Sword of Commerce
http://www.proliberty.com/observer/20010213.htm

 

Driver’s License is a Contract
between you and the Motor Vehicle Department
http://www.svpvril.com/drilic.html

 

THE AMERICAN HALLUCINATION
http://www.apfn.org/apfn/halluc.htm

 

The Right to Travel
vs.
Driver’s License Scam
http://www.apfn.org/apfn/drivers-license-scam.htm

 

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The Biggest Scam In The History Of Mankind – Hidden Secrets of Money Ep4


More: http://www.hiddensecretsofmoney.com You are about to learn one of the biggest secrets in the history of the world…it’s a secret that has huge effects for everyone who lives on this planet. Most people can feel deep down that something isn’t quite right with the world economy, but few know what it is. Gone are the days where a family can survive on just one paycheck…every day it seems that things are more and more out of control, yet only one in a million understand why. You are about to discover the system that is ultimately responsible for most of the inequality in our world today. The powers that be DO NOT want you to know about this, as this system is what has kept them at the top of the financial food-chain for the last 100 years…

Learning this will change your life, because it will change the choices that you make. If enough people learn it, it will change the world…because it will change the system . For this is the biggest Hidden Secret Of Money. Never in human history have so many been plundered by so few, and it’s all accomplished through this…The Biggest Scam In The History Of Mankind.

For more information about Gold & Silver or Mike Maloney, visit the Why Gold & Silver channel and subscribe: http://goo.gl/emXEB

Join GoldSilver.com & Mike Maloney on other social networks:

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Scott Bartle: CONfinance & the Corporations Act of 2001, Understanding how all bank loans are fraudulent


September 17, 2013

This video is perfect for anyone who wants a better understanding of all the various ways banks “provide funds.” This proves that it doesn’t have to be through “lending money.” This video was produced in Australia, but I’m fairly certain all the same fundamentals apply for the Corporations Act of 2001 for the U.S. Scott lays down a great opportunity for going your bank to have a discussion with the manager, to test their knowledge of their own banking practices. Nice work Scott! ~BK

 

6 Unbelievable Ways the Big Banks Are Scamming You


 

Five years since the crash, the big banks continue to screw over their customers.

 

 

 

 

It is going on five years since the financial crash and three years since President Obama signed the meager Dodd–Frank Wall Street Reform and Consumer Protection Act, and the big banks are still scamming and conning and ripping off their customers. What a huge surprise.

After the financial crash, we heard about a laundry list of abuses and frauds that ranged from small things, like hidden fees, to pushing minorities into subprime loans and then switching them into more expensive mortgages at signing time, to huge things like selling trillions of dollars in complicated CDO schemes and making bets on derivatives of derivatives without having the reserves to pay off what they owed when the bets went bad.

Of course, no one at the top was prosecuted and the banks were allowed to settle a host of charges (which meant that their shareholders, not the executives who made the decisions, paid the fines). The bad behavior gave these giants a competitive advantage, driving out what good companies there were. So the costly and destructive bad behavior, schemes, cons and scams continue.

1. Falsifying Paperwork, Blitzing, Lying About Payments to Force Homeowners Into Foreclosure

This week, ProPublica released a report detailing the shocking ways that Bank of America has been pushing homeowners into foreclosure. Employees lied about documentation and falsified paperwork to force families out of their homes when these customers thought they were getting a loan modification under the government’s Home Affordable Modification Program (HAMP). To make matters worse, the bank gave bonuses to employees who were able to reach monthly quotas of people they forced into foreclosure.

According to a lawsuit against Bank of America, the bank used “blitzing” twice a month to deny HAMP applications even when the homeowner had fully complied with the program’s requirements; it gave employees $500 bonuses each month they forced 10 or more homeowners into foreclosure; it intentionally ignored applications for 30 days, then declared them late and forced homeowners to reapply; it closed applications even when they knew the homeowner had met all criteria; and it canceled loan modifications because of “late payments” when the bank’s records shows that payments had been made on time.

Of course, as long as the government refuses to prosecute banks and bankers for violating laws, and instead negotiating “settlements”  that require bank shareholders to pay fines, bankers will see no reason to stop this kind of activity.

2. Bank Protection “Service” Puts Consumers at “Greater Risk Of Harm”

Last week a report from the new Consumer Financial Protection Bureau (CFPB) found that the big banks are still scamming their customers with ridiculous fees that are hugely profitable for the big banks.

Three years ago the government required banks to ask their customers if it is okay (this is called “opt-in”) before they charge them for “overdraft protection” service. CFRB has been studying how this is working out, and its report shows that customers who do not opt-in to this heavily marketed “protection” service pay much, much less in fees than those who do. In other words, agreeing to use the “protection” actually puts you at a much greater risk of incurring expenses than those who are not “protected.”

According to a McClatchy News report on a call with CFPB director Richard Cordray to discuss the report, Cordray said, “What is marketed as overdraft protection can, in some instances, put consumers at greater risk of harm.”

How much risk? People who are “heavy overdrafters” but still opt out of this service save on average more than $900 a year. But it isn’t just heavy overdrafters who are saving. According to the CFPB report “… the reduction in fees for those who did not opt in was $347 greater, on average, than for those who did opt in.” People who opt in are also more likely to lose their bank accounts, with the bank “involuntarily” closing it.

Banks have made $32 billion from these fees. So maybe this isn’t about providing a “protection” to consumers at all. As NPR puts it, “Overdraft and non-sufficient funds fees accounted for 61 percent of total consumer deposit account service charges in 2011 among the banks in the CFPB report.”

3. Transaction Ordering

Not only do customers who opt-in pay more for this “protection service,” but the banks are still scamming them by causing the overdrafts that generate these fees. The CFPB report says that some banks still use “transaction ordering” to cheat customers out of additional fees. These banks post checks or debit transactions from large to small to trigger these fees. In other words if you write several small checks (or make debit card transactions) and then a big one that overdraws your account, they credit the large one first so each of the smaller transactions causes its own fee to be charged, even though those transactions occurred before the account ran out of money.

From the report, “The earlier in a sequence that an account becomes negative, the more overdraft or NSF transactions may occur.”

4. Forced Arbitration

Another big-bank scam on consumers is “forced arbitration” clauses in bank account, credit card, mortgage and other financial-service agreements. Forced arbitration clauses – also called mandatory arbitration or binding arbitration – require you to give up your legal right to take a big bank to court if it cheats or harms you. And if you don’t agree (which requires reading the entire agreement) you can’t get the account.

They way this works is that instead of being able to pursue your legal rights, you have to take your complaint to an arbitrator, and then must accept the arbitrator’s decision. The catch is that the bank gets to pick the arbitrator, and the arbitrators naturally know they’ll never work in this town again if they ever rule against the banks. So there is an inherent conflict of interest working in favor of these companies.

How is that conflict of interest working out for us? A 2007 Public Citizen report revealed that arbitrators working for the National Arbitration Forum (NAF) had ruled against consumers 94 percent of the time.

In another blow to the big banks, the CFPB is beginning to take steps to reign in forced arbitration clauses in consumer financial contracts.

The five-year-old Dodd-Frank Wall Street Reform and Consumer Protection Act authorizes the CFPB and the Securities and Exchange Commission to regulate mandatory arbitration. The SEC is resisting implementing their part of this law, but the CFPB is conducting a survey to determine consumer awareness of forced arbitration clauses in credit card agreements. On its blog, the CFPB said the study will “explore consumer awareness of dispute resolution terms in credit card agreements. The survey will gather information about consumers’ perceptions, preferences, and assumptions related to arbitration proceedings.”

5. Marketing Refinancing That Costs People

Thom Hartmann has exposed yet another banker scheme. This time banks are marketing a mortgage refinancing that promises annual savings of more than $4,000. But the scheme really just adds more than $37,000 to the cost of a loan.

Basically, the mailer focuses on lowering monthly mortgage payments, while neglecting to mention that the borrower would end up paying a higher overall interest rate, and would be adding 10 more years to the overall length of their loan. Hartmann writes,

Back in November of 2012, the Consumer Financial Protection Bureau sent warning letters to around a dozen of America’s largest mortgage lenders and brokers, advising them to “clean up” potentially misleading advertisements, especially those targeting veterans and older Americans.

At the time of the CFPB’s announcement, CFPB director Richard Cordray said that, “Misrepresentations in mortgage products can deprive consumers of important information while making one of the biggest financial decisions of their lives.”

And, as we also know, deceptive mortgage advertisements like this can cause consumers to bite off more than they can chew, ultimately leading to a nationwide financial meltdown.

6. Banks Trying To Kill the CFPB

Over the years, scam after scam is exposed, and nothing has been done about it. But there is a new cop on the beat, the Consumer Financial Protection Bureau. The CFPB’s job is to police the big banks, and protect financial consumers. Of course the big banks are trying to head this agency off at the pass.

The Republican Party and its conservative infrastructure have basically been contracted by Wall Street’s big banks to obstruct and even kill this agency. Senate Republicans have been blocking the confirmation and are still trying to obstruct the nominee to head up the agency. Republicans have been filibustering the nomination of Richard Cordray to be its director and even vowing to filibuster to keep any nominee from being confirmed to head the agency. President Obama finally made a recess appointment of Cordray in January 2012. But this recess appointment runs out at the end of the year with no end to Republican obstruction in sight.

Republicans are also trying to defund the agency. Republicans and the (billionaire, Wall Street, oil and tobacco-financed) conservative movement have also launched a propaganda campaign against the agency. Recently, at the Senate Republican Policy Committee website, “CFPB: Unaccountable and Unrestrained,” claims, “A recent action by the CFPB to monitor consumer credit cards and the spending habits of millions of Americans is raising new concerns in a government suffering from a trust deficit.” In an example of how the right’s echo machine works, the Heritage Foundation echoes this attack, alleging that CFPB gathering data for reports like this one is an example of government “surveillance” on consumers, “amassing an Orwell-worthy database on all manner of spending, including … overdrafts …”

Sen. Elizabeth Warren – the person most credited with the creation of the CFPB – spoke at a Senate hearing on the CFPB last March on the role of the CFPB and Republican obstruction of the agency:

“I see nothing here but a filibuster threat against Director Cordray as an attempt to weaken the consumer agency,” Warren said. “I think the delay in getting him confirmed is bad for consumers, it’s bad for small banks, bad for credit unions, for anyone trying to offer an honest product in an honest market.”

“The American people deserve a Congress that worries less about helping big banks,” she added, “and more about helping regular people who have been cheated on mortgages, on credit cards, on student loans and on credit reports.”

Don’t expect much to change until we have a government that is willing to take on these financial giants. As long as we keep seeing “settlements” with these giants instead of prosecutions, and as long as we allow big money to buy influence over our government, nothing will change.

http://www.alternet.org/corporate-accountability-and-workplace/bank-scam?paging=off

 

 

Bank of America Whistle-Blower’s Bombshell: “We Were Told to Lie”


10001319-large

 

Bank of America’s mortgage servicing unit systematically lied to homeowners, fraudulently denied loan modifications, and paid their staff bonuses for deliberately pushing people into foreclosure: Yes, these allegations were suspected by any homeowner who ever had to deal with the bank to try to get a loan modification – but now they come from six former employees and one contractor, whose sworn statements were added last week to a civil lawsuit filed in federal court in Massachusetts.

 

“Bank of America’s practice is to string homeowners along with no apparent intention of providing the permanent loan modifications it promises,” said Erika Brown, one of the former employees. The damning evidence would spur a series of criminal investigations of BofA executives, if we still had a rule of law in this country for Wall Street banks.

 

 

The government’s Home Affordable Modification Program (HAMP), which gave banks cash incentives to modify loans under certain standards, was supposed to streamline the process and help up to 4 million struggling homeowners (to date, active permanent modifications number about 870,000). In reality, Bank of America used it as a tool, say these former employees, to squeeze as much money as possible out of struggling borrowers before eventually foreclosing on them. Borrowers were supposed to make three trial payments before the loan modification became permanent; in actuality, many borrowers would make payments for a year or more, only to find themselves rejected for a permanent modification, and then owing the difference between the trial modification and their original payment. Former Treasury Secretary Timothy Geithner famously described HAMP as a means to “foam the runway” for the banks, spreading out foreclosures so banks could more readily absorb them.

 

 

These Bank of America employees offer the first glimpse into how they pulled it off. Employees, many of whom allege they were given no basic training on how to even use HAMP, were instructed to tell borrowers that documents were incomplete or missing when they were not, or that the file was “under review” when it hadn’t been accessed in months. Former loan-level representative Simone Gordon says flat-out in her affidavit that “we were told to lie to customers” about the receipt of documents and trial payments. She added that the bank would hold financial documents borrowers submitted for review for at least 30 days. “Once thirty days passed, Bank of America would consider many of these documents to be ‘stale’ and the homeowner would have to re-apply for a modification,” Gordon writes. Theresa Terrelonge, another ex-employee, said that the company would consistently tell homeowners to resubmit information, restarting the clock on the HAMP process.

 

foreclosedhome2

 

Worse than this, Bank of America would simply throw out documents on a consistent basis. Former case management supervisor William Wilson alleged that, during bimonthly sessions called the “blitz,” case managers and underwriters would simply deny any file with financial documents that were more than 60 days old. “During a blitz, a single team would decline between 600 and 1,500 modification files at a time,” Wilson wrote. “I personally reviewed hundreds of files in which the computer systems showed that the homeowner had fulfilled a Trial Period Plan and was entitled to a permanent loan modification, but was nevertheless declined for a permanent modification during a blitz.” Employees were then instructed to make up a reason for the denial to submit to the Treasury Department, which monitored the program. Others say that bank employees falsified records in the computer system and removed documents from homeowner files to make it look like the borrower did not qualify for a permanent modification.

 

Senior managers provided carrots and sticks for employees to lie to customers and push them into foreclosure. Simone Gordon described meetings where managers created quotas for lower-level employees, and a bonus system for reaching those quotas. Employees “who placed ten or more accounts into foreclosure in a given month received a $500 bonus,” Gordon wrote. “Bank of America also gave employees gift cards to retail stores like Target or Bed Bath and Beyond as rewards for placing accounts into foreclosure.” Employees were closely monitored, and those who didn’t meet quotas, or who dared to give borrowers accurate information, were fired, as was anyone who “questioned the ethics … of declining loan modifications for false and fraudulent reasons,” according to William Wilson.

 

Bank of America characterized the affidavits as “rife with factual inaccuracies.” But they match complaints from borrowers having to resubmit documents multiple times, and getting denied for permanent modifications despite making all trial payments. And these statements come from all over the country from ex-employees without a relationship to one another. It did not result from one “rogue” bank branch.

 

Simply put, Bank of America didn’t want to hire enough staff to handle the crush of loan modification requests, and used these delaying tactics as a shortcut. They also pushed people into foreclosure to collect additional fees from them. And after rejecting borrowers for HAMP modifications, they would offer an in-house modification with a higher interest rate. This was all about profit maximization. “We were regularly drilled that it was our job to maximize fees for the Bank by fostering and extending delay of the HAMP modification process by any means we could,” wrote Simone Gordon in her affidavit.

 

whistleblower

 

It is a testament to the corruption of the federal regulatory and law enforcement apparatus that we’re only hearing evidence from inside Bank of America now, in a civil class-action lawsuit from wronged homeowners, when the behavior was so rampant for years. For example, the Treasury Department, charged with specific oversight for HAMP, didn’t sanction a single bank for failing to follow program guidelines for three years, and certainly did not uncover any of this criminal conduct. Steven Cupples, a former underwriter at Bank of America, explained in his statement how the bank falsified records to Treasury to make it look like they granted more modifications. But Treasury never investigated. Meanwhile, the Justice Department joined with state Attorneys General and other federal regulators to essentially bless this conduct in a series of weak settlements that incorporated other bank crimes as well, like “robo-signing” and submitting false documents to courts.

 

These affidavits, however, should return law enforcement to the case. William Wilson, the case management supervisor, alleges in his statement that this “ridiculous and immoral” conduct continued through August of 2012, when he was eventually fired for speaking up. That means Bank of America persisted with these activities for at least six months AFTER the main, $25 billion settlement to which they were a party. So state and federal regulators could sue Bank of America over this new criminal conduct, which post-dates the actions for which they released liability under the main settlement. Attorneys general in New York and Florida have accused Bank of America of violating the terms of the settlement, but they could simply open new cases about these new deceptive practices.

 

They would have no shortage of evidence, in addition to the sworn affidavits. According to Theresa Terrelonge, most loan-level representatives conducted their business through email; in fact, various email communications have already been submitted under seal in the Massachusetts civil case. State Attorneys General or US Attorneys would have subpoena power to gather many more emails.

 

And they would have very specific targets: the ex-employees listed specific executives by name who authorized and directed the fraudulent process. “The delay and rejection programs were methodically carried out under the overall direction of Patrick Kerry, a Vice President who oversaw the entire eastern region’s loan modification process,” wrote William Wilson. Other executives mentioned by name include John Berens, Patricia Feltch and Rebecca Mairone (now at JPMorgan Chase, and already named in a separate financial fraud case). These are senior executives who, if this alleged conduct is true, should face criminal liability.

 

Bank accountability activists have already seized on the revelations. “This is not surprising, but absolutely sickening,” said Peggy Mears, organizer for the Home Defenders League. “Maybe finally our courts and elected officials will stand with communities over Wall Street and prosecute, and then lock up, these criminals.”

 

Sadly, it’s hard to raise hopes of that happening. Past experience shows that our top regulatory and law enforcement officials are primarily interested in covering for Wall Street’s crimes. These well-sourced allegations amount to an accusation of Bank of America stealing thousands of homes, and lying to the government about it. Homeowners who did everything asked of them were nevertheless pushed into foreclosure, all to fortify profits on Wall Street. There’s a clear path to punish Bank of America for this conduct. If it doesn’t result in prosecutions, it will once again confirm the sorry excuse for justice we have in America.

 

Read the full affidavits from the active court case here.

 

Source:

 

http://www.salon.com

 

David Dayen

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Note: After losing my position with DirecTV as Sales Supervisor in 2008 in Los Angeles, I spent the next year floating between four different Loan Modification company’s. At first I was excited because I was under the impression I was doing something to help distressed homeowners. Unfortuantley it didn’t take long in each position to realize the first two companies were obviously being run by crooks, the last two were slicker in their game but in time I came to the final conclusion that the entire industry was a sharks nest full of people embezzling whatever they could from the system without a care in the world for the homeowners who’s homes were being stolen by the banks.

A very good friend of mine also worked for JP Morgan Chase (L.A.)  in the foreclosure dept, his stories were exactly the same as those told by BoFA whistleblowers above, with one exception. He confided in me that Chase was bundling foreclosed homes and selling them to the Chinese is in secret backroom negotiations.

Four months after moving to Hawaii in 2010 I lost track of him when the same phone he had four six years was disconnected. He was an honorable person, worked with integrity and a very stable individual who was quite disturbed with the position he was put in…

I hope he’s alright and didn’t end up taking the fall. The entire industry is full of crooks and gangsters in suits.