If the Pen is Mightier than the Sword ...


This phrase first appeared in 1839 in a play about Cardinal Richelieu, penned by the nineteenth-century writer Sir Edward Bulwer-Lytton.

The phrase is a metonymic adage, indicating that communication (particularly the written word) [or as some would interpret it - administrative power, or advocacy of an independent press], is a more effective tool than direct violence.

The intimation here is that the "pen" via 'administrative power', or a "free" press can be used for good; for that which is...

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Knock 8 Years off Your Mortgage Term by Changing the Way You Pay


This particular solution ONLY applies to Capital Repayment Mortgages

Did you know that numerous Accountants have cleared their mortgages early by simply altering the way they pay the Mortgage debt?

Why do you think customers like you typically pay back up to 3 times the amount borrowed against a Mortgage?

The answer is two fold:

  • it has to do with the way Interest is calculated (typically daily), albeit the charge is applied to your Account Monthly, and
  • the term. The longer the term, the...
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What Do Redeemed/Cancelled Debt Instruments Look Like?


What is the Problem?

This week's question has been raised by many people including Jake from Colchester, Essex. Jake says:

"You've mentioned redemption and the need to get original documents back from the Banks. What should we do with these documents if and when we get them back?"

What To Do

When we speak about debt, the debtor should always follow the note (instrument). In other words, the debtor pays whomsoever holds the note.

Once a debt has been "paid", the associated instrument or...

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Debt Tactics with Mark Cawkwell


What is the Problem?

We received an email from Joe in Huddersfield. Joe says:

"I tend to lack confidence and think it would be very helpful if you interviewed someone who has had success using your methods. I need to know that there is light at the end of the tunnel and that the hard work and study will eventually pay off"

What To Do

You’re not alone Joe!

We've been enticed into a game we didn't know we were playing, and to make maters worse, the ethics of the game are well and truly...

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The Finance Curse – Professor confirms Banks do Not loan Money: Exchange of Promises (securities)


Our thanks to Karl from Norwich who told us about this video and said that it “backs up what you say”.

If you’ve seen the video, then we trust you’ll appreciate what follows, for we have transcribed the important stuff for you.

Contemplate the information. Resonate with it. And above all: use it!

You may wish to refer to the video as being “that” which has caused-you to ask questions. What a fantastic “excuse” to use as your reason for...

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The Results Page

What is realistically achievable?

Simon has a vast amount of experience challenging the wrongful actions/inactions of CORPORATIONS and in particular; the staff working for them! Below are some of the results he has achieved.

If you refuse to put-up any kind of resistance, then you are likely to get trampled-on; again, and again, and again. Simply standing-up for yourself can bring results!

This page will be updated on a regular basis as new results come-in, and we will continue to...

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What Are People Saying?

We have received thousands of messages of thanks and gratitude. Don’t just take it from us; check out what people are saying about the site, our strategies and our research:

Thank you for all the enlightening information on your channel, sincerely. Your purpose in life is clear to see and you are truly inspirational. Words can’t express my gratitude for impact your knowledge has had on my being
Ya M

Hi, El Spanardo, 

Firstly I have got to thank you...

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Non Dependant Status


What is the Problem?

This one comes from a member who has highlighted a sneaky trick employed by the ‘powers-that-be’ to claim council tax in a situation where it should perhaps not be paid; all because one of your family members is alternatively-abled/disabled.

Are you in receipt of Housing Benefit? Do you act as full time carer for an alternatively-abled/disabled family member? Have you paid reduced Council Tax bills in the past as a result of your circumstances?

If the answer...

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Birmingham Midshires – Who Owns My Mortgage?


What is the Problem?

Mr Treanor, from Bedfordshire, contacted the show with a problem. He is trying to sell his home, and this will mean redeeming his mortgage. Unfortunately, the mortgage company doesn’t own the mortgage and therefore Mr Treanor cannot ‘redeem’ it (buy-it-back)!

In a situation like this, does Mr Treanor have to pay the mortgage company anything?

One of the great things about knowing when things are not right is being able to step in and do something about...

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The Campaign To Get Businesses to Do Better Pt2


What is the Problem?

The problem is simple – many businesses treat their customers very badly indeed and well… Don’t you think it’s time we put a stop to this?

What To Do

What is all this about?

It’s about acting collectively to make business and companies realise they can no longer continue to treat customers like us like the proverbial merde.

The Outline Solution

That’s where our campaign comes into play.

Each of you have POWER. You may or may not...

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