Mortgage stress is a serious issue that affects many individuals and families worldwide.

Chances are, if you’re reading this article, you’re already in a pile of poo. But the good news is, that in the next ten minutes, you’ll have a path to move forward… And have the banksters off your back. Here’s your passport to freedom.

By the way, none of this is legal advice. Tread carefully, and do your own research, because they only real tool banks have is F.E.A.R. They use fear to entrap you about morgtage stress, even though banks and financial institutions have a responsibility to act ethically and transparently.

However there’s a mountain of evidence to show many are engaged in fraudulent “lending” practice. Lenders have been criticized for predatory lending practices or failing to adequately assess borrowers’ ability to repay loans.

Lack of Full Disclosure

Here are some aspects of mortgage lending that may not always be fully disclosed or emphasized by banks:

1. Risk Assessment
Banks don’t always provide clear explanations of the criteria they use to assess borrowers’ creditworthiness. Nor are they honest about the level of risk associated with different types of loans, creating mortgage stress. This lack of transparency leads misunderstandings or misinterpretations of the terms and conditions of mortgage agreements.

2. Hidden Fees and Charges
Mortgage products come with hidden fees or charges that borrowers aren’t fully aware of when they sign the loan agreement. Without full disclosure, a contract is void ab initio, so you should have no more mortgage stress.

3. Interest Rate Variability
Banks may disclose the initial interest rate and terms of the mortgage. They don’t often explain effects of interest rates changes. Or the full amount customers will be paying back over the life of the alleged “loan”.

4. Conflict of Interest
In some cases, there’s a conflict of interest between the lender’s desire to maximize profits and the borrower’s best interests. For example, lenders may push borrowers to take out larger loans than they can afford or offer complex financial products with higher fees and interest rates.

The Bank Mortgage Scam

The banks will deny it, yet the bank mortgage is proving to be an unconscionable scam from the get-go. Try getting answers to these banking questions from your bank’s CEO. Banksters deceive the “Borrower”, who, it seems in reality is the “lender”. And despite regulatory oversight and consumer protection laws, some banks engage in practices that skirt the edges of legality or fail to fully comply with regulatory requirements.

Banks are subject to extensive regulatory requirements and compliance obligations. However, in real life, the banks have a heavy influence and control over the regulatory authorities. But, as Mayer Amschel Rothschild, the 18th century bankster says, whoever controls the money controls the laws. Classic case of the fox guarding the hen-house.

Using sophistry to hide compliance matters, interpreting regulations, and ensuring adherence to legal standards. Communications related to regulatory compliance efforts may be protected by legal professional privilege. And what the banksters say, must be true and correct.

Mortgage Stress & Foreclosure Threats

Foreclosure is a legal process that allows lenders to seize and sell a property when a borrower defaults on their mortgage payments. And some banks have been criticized for aggressive or unfair foreclosure practices. Here’s eleven questions to get your head around banking knowledge.

It’s essential for borrowers to carefully review all loan documents, ask questions, and seek independent financial advice if needed before committing to a mortgage

This can include improper documentation, robo-signing of foreclosure documents, or failing to offer borrowers alternative options to avoid foreclosure.

With the increase of Mortgage Arrears & Default Notices, here’s how to get The Bank stressing over your mortgage, making “The Bank” accountable.

Take a pink-marker-pen and highlight all the adverbs, and green to highlight the verbs. You’ll then realise that all the words that aren’t pink or green are Adjectives and Pronouns.

But there is no mortgage, because the contract was void from the start.

You simply have to be able to prove it. Get started here