Mortgages and Liens Process

If you have a fraudulent mortgage, you may be interested in following our tried and tested Commercial Lien process.

We have included several important information sites for you to read first, as well as the seven-notice Commercial Lien perfection process for you to follow.


#TGBMS: A Mortgage Explained in 600 Words

There are some 11.2 million mortgages in Britain but how many people actually understand what a mortgage is?

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The Great British Mortgage Swindle

Nine years in the making, The Great British Mortgage Swindle is an urgently prescient, emotionally compelling and ultimately uplifting film, which lifts the lid on institutionalised mortgage fraud and the brutality of eviction by court order.

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Mortgage Fraud 101: The Commercial Lien Process

If you are not in default on a mortgage but have gleaned sufficient knowledge to know that you have been duped, conned and/or misled, then you might consider taking the Commercial Lien seven-notice course of action against your mortgage bandit, whose entire modus operandi is to get you into default as quickly as possible, in order to take your home by using various statutes as a cloak for fraud.

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Download as a PDF


Background reading: The English Law of Liens

Concepts and terminology as per extracts from Halsbury’s Laws of England, widely regarded within the legal profession as ‘the bible of English Law’.

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Introducing UCT Tokens: Credit-Based, Tax Exempt, Sovereign Currencies

Once you’ve perfected your Lien using the seven-notice process, you may want to consider transferring the value of your Lien into UCT cryptocurrency, which, when launched, will be exchangeable for other cryptocurrencies and thus fiat currency, in order to settle your debts and acquire land and resources to live within UCT communities, outside the current rigged system.

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UCT Cryptocurrencies

UCT Token and UCT Cash are innovative new cryptocurrencies utilising the latest cutting-edge blockchain and market maker technology, for the purposes of creating wealth, restoring balance and empowering the self-governance of indigenous sovereign micro-nations.

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Read Michael O’Bernicia’s case studies on his mortgages being cancelled by the High Court in 2019:



When you’ve followed our seven notice Commercial Lien process exactly, and you wish to convert your Lien to UCT Tokens, please apply via our process:

UCT-Token Lien Conversion Application

Note: our Lien Conversion process is in Beta testing phase. We are taking applications but are not yet at the stage of converting Liens to UCT Tokens. If you apply, we will save your application and let you know when we are ready to complete the conversions.



If you’re looking for the PUB Three Notice Processes, go here.





UCT Trustees/SCT Trustees and PUB will usually try our best to help you with any questions you have about UCT, Common Law, Trusts, fines, debts, etc.

We do not claim, however, to be experts in legal, lawful, financial or other matters, and the responsibility falls on you to research thoroughly any advice or suggestions we may offer in good faith, before you choose to act on the information.

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