Friday, April 2, 2021

CARE WAYS SITES 95

{We also got the press and local and national television involved (good old BBC Inside Out, and Panorama. Even Bloomberg's got involved). We could tell that our determination and actions were becoming successful, as the next stage was a whole series of illegal bugging, recording of our conversations, and even death threats against us! Surely there are laws to {stop|prevent} this {sort|type} of thing happening (we thought). But it would seem that {only|just} if you have money do you have full protection in law. {Thus, began a fruitless search of many large UK law firms, trying to find one that was willing to help us on a 'no win, no fee' basis. |} {We found several major firms who agreed with us that "a very clever and deliberate fraud " seemed to be in place. |} {But would they help? |} No. {But what they did tell us was that there would be a better chance if we could identify many similar wronged investors. |} {It seemed then that we were doomed to accept our fate, unless we managed to jump over some quite massive hurdles. |} {Even though we could see right was on our side, the law was not going to help us.|} About the same time as this was happening, we attended a weekend seminar in London on NLP given by our friend Topher Morrison. One of the points {on|onto} his course was to offer'total forgiveness' to those who had wronged us{, |}and"not be afraid to tell people of our failures". However, one very noticeable effect that stress and an inability to'control' our lives had on us was that over the three years that this has been going on, the amount of alcohol consumption, and all the wrong'comfort' foods was having a disastrous effect on {our|the} weight. Then one day, a colleague, who was also into The Secret like us, suggested that we were letting the effects of one man affect our lives by this binge eating and drinking. Wow! We also follow proven systems, because the only professional way to achieve the success we crave for, is for us, and our Team{, |}to follow these proven route maps {to|for} success, and {not to|to not} try and"Reinvent the wheel" {Interestingly, as long ago as early 2006 we met with the major UK Banks and told them what was going on. |} {Just like the US Sub-Prime mortgage mess, did they listen? |} Did they curtail lending {to|for} this particular developer or tighten up their lending regulations... Nope! {They just chose to lend, lend, lend - after all that was what made the profits...|} In hindsight, even full-page adverts in a very prestigious UK Sunday paper, promoting the above situation, was {no|not any} guarantee that what is on offer was legal, but with RICS valuers involved, solid UK law firms handing the sales, where was the risk? Accepting the fact that everything we did or got involved in was our decision, nobody else's, meant that we got rid of the'Blame' culture, and started to {look|search} for ways out of our situation. In doing {so|this }{, |}we like to think that we have also greatly helped all of the other investors who have looked to us for help, guidance, by always lending an ear when called. Since 2012, with no capital behind us, we have become very ambitious network marketers, and in that time, thanks to a very hungry team, and 5 hungry leaders (Jane and I included), have built up an impressive collection of a massively undervalued Crypto coin, which was {only|just} launched in late 2020. However, the power and open-source structure of the coin's underlying Blockchain, and the {low|minimal} cost of these coins currently, has resulted in all our team, scooping {u|un} as many of these currently undervalued coins as we can. { To most people, the catastrophic size of this failure would have driven them to bankruptcy, divorce, or even contemplating suicide- especially when the reasons were nothing to do with the then current credit crunch, but because of the crooked behaviour of one or more individuals.|} How would that have affected you - your whole life; your relationships, your family, {or|or even} most importantly - your inner spirit? Well, little did Topher {know|understand} what powerful outcomes were going to come out of his weekend session! As a direct consequence, I wrote a powerful article and published it on the Internet (not mentioning the developer, or any other conspirators by name) {on|about} what had happened to {us|people} titled'How to Avoid an Investment Property Scam', and if you type that title into Google, you will see hundreds of web sites displaying this article, so popular it was. I also wrote a letter to the head of the developer company, explaining that I forgave him for what he had done {to us|}. It was amazing how quickly we got a phone call from the man, not that it got us anywhere at the time. The problem with all of this is of course, her wardrobe will need a total replacement, which needs a {lot|great deal} of money!! To Jane, this was like a raw challenge. For years, since a major car smash last century, she had had problems keeping her weight down. Imagine what the earlier and earlier first daily Gin and Tonic, were having on her. Now, she applied her mind {to|for} this problem, and after a determined period of over 20 weeks, she has brought her weight down by over 70 pounds. The obstacles that Jane had to overcome, to actually reach an even smaller size than she ever dreamt about were tremendous, but once again, her grasp of NLP and using her mind to control her determination, each obstacle was just another stepping stone on her route to a new body. But how had we fared {out|outside} of this? All of the law firms we approached for {support|assistance} here (mentioning no names), should have immediately seen, what BDO Stoy Hayward defined, after being instructed to investigate our situation by one major law firm, that "The Investors had all become victims of a particularly vicious and clever fraud{.|}" This was a worse blow than even bankruptcy, because if we were to lose, we could have been pursued for {up to|as many as} 6 years! And losing a defamation case could happen on a legal technicality! {So|Thus}, without legal backing, we commenced the fight as'Litigants in Person'. But by now{, |}we at least had over a hundred other investors supporting us{, |}and we had a number of civil bodies involved, including The Department of Trade and Industry. And the West Yorkshire Police Economic Crimes Unit, in conjunction with the SFO, had begun a criminal investigation into the whole affair. (But for some inexplicable reason, in 2010 the DPP ordered the police/SFO investigation closed, with immediate effect due allegedly to "Lack of evidence)". To most people,"Making a Million" or more is an impossible target, {so|therefore} {most|many} never {try|attempt}. {How about then, a scenario where one happily married couple, after 30 years in successful Corporate positions, with a string of children and grandchildren, decided to 'give it a go', built up a portfolio of nearly SIX MILLION DOLLARS - then lose the lot due to becoming ensnared in one of the biggest property 'rackets' in the United Kingdom.|} {Slowly|Gradually}, but surely, we are rebuilding our shattered financial lives. We even spoke to our Member of Parliament in 2006. His comment was that the Banks needed less regulation - {not |}more!!! That was the good bit. The bad bit was that the developer recognised not his name, but his actions, in the article, which is why me and Jane had this High Court Writ slammed on them (at 3.30 AM one morning) alleging Defamation and Libel. And do you {know|understand}, not many lawyers can fight this {sort|form} of battle, and those that can demand tens of thousands to take it {on|all on}. Once again, now that the Defamation case has gone away - which was a major obstacle even in our minds- which totally inhibited our desire, let alone our ability, to rebuild our fortune again{, |}our determination is back in there with a vengeance, as most people, having gone through what we had done, would have quite easily succumbed to bankruptcy, and just living (or surviving) off some menial day job. (Don't forget, most couples our age would be looking to a nice comfortable retirement as a reward for so many years in a corporate lifestyle - as we were.) Eleven valuers were arrested, as part of the ongoing criminal investigation, but as the legal battle lines are still being drawn, no more can be said for {now|today}. Apart from, of course, the fact that the developer was arrested on suspicion of fraud and money laundering recently, and all of his 30 or so companies are {now|currently} in Administration, {so|therefore} the Defamation case is {no|not any} more! The outcome of this action was very soon apparent. So many people read my article, recognised the similar situation, and signed up with me. People from all {sorts|kinds} of property developments, not just the one I was involved in, and asked for help. The full story of {our|the} fight is too detailed to go into here, and the {story|narrative} is still not done totally yet, but if you ever find yourself in anyway near as dire a situation, you may want to reserve an advanced copy of our book, due out next year - entitled'How To Get out of Debt while Still Living in it'. {As a similar victim you will automatically get offered a copy at a 50% discount, and resale rights.|} Without the amount of involvement{, |}we had both had, in understanding that {most|many} things that went on in our lives could be considerably shaped by the way in which we applied our minds to everyday events, we would probably have {lost|missed} our sanity a long time ago. This 'Inner Belief' drew us closer as a couple. Our exposure to techniques like NLP, and in particular the effect of regularly listening to The Secret {on|in} our lives was massive. Not {only|just} that, but this pair have since worked unselfishly for over a Decade, providing help, assistance, and on many occasions, a shoulder to cry on for well over a hundred other families, couples, and individual investors similarly affected. On top of that, as whistle blowers on the whole sorry episode, they were rewarded in 2007 with a High Court Writ for Defamation and Libel being served on both of them for $500,000 each {plus|and} damages - at 4.00AM, when a Post Office First Class stamp would have sufficed. {So - why did that dishonest act not invalidate the mortgage offers? |} {And why did nobody pay attention to the SRA's investigation?|} Without the power of our NLP, constantly watching'The Secret' and visualising the way forward{, |}we could have very easily crumbled, but {slowly|gradually}, and surely, things eventually started to go our way, and some of our obstacles started to seem a {lot|great deal} smaller. We intend to be back as millionaires within a few years. The lessons we have learnt have been severe, but the main point you should realise, is that {only |}you have the power to determine what you do with your life. Other people may {try|attempt} to influence you, and indeed place obstacles in your path, but at the end of the day, use {your|your own} mind, and you will overcome. Anyway, for {two|a couple of} years, back in 2005, with me approaching 60, we had been {slowly|gradually} building up our investment property portfolio, including a dream retirement penthouse {on|to} a new Marina development near {to|into} our present home, and a superb large apartment in Bahama Bay in Florida. But then{, |}we were seduced by very clever and expensive advertising, to buy a number of properties that {on|onto} the face of it should have doubled {our|our own} fortunes. One of {our|those} friends actually bought around $12 Million worth of these properties, and he was {only|just} earning around $40,000 or so a year{!|old!} These properties, {most|many} with more than 4 rentable bedrooms, were all sold by the same developer, with Royal Institute of Chartered Surveyors (RICS) valuations, supposedly fully renovated, and fully tenanted with students, prior to completion, with a Landlord appointed by the developer. We still start {out |}our day with motivational videos and end with gratitude. Little did we realise{, |}back then, the significance of that previous sentence. {As all these properties needed Local Authority status of Multiple Tenancy, and had a landlord, appointed by the vendor, managing the tenanting of those properties. |} Unless the property had full Local Authority House of Multiple Occupancy (HMO) status, due to the 2004 Housing Act, it would not {only|just} have been illegal for a landlord to tenant such a property, but it would also have been illegal for the landlord to sell it {to|into} another Landlord. {So - any mortgage issued to finance that property, would not be able to legally secure their debt against that property. |} This is a true-life {story|narrative} of what happened to a couple who worked hard and successful in their'Day Jobs' for over 30 years, and still took the time out to go for their financial life changing goals - achieved them {- |}lost the {lot|whole lot} - but with an unbelievably strong inner strength, fought their way back, and are {on|around} the UP again. Well, the risk was that somehow the valuations were in many cases valued {on|within} an inappropriate commercial basis, using anticipated rental incomes and with a local authority status of multiple tenancy, {so|therefore} that valuation could have hardly been the REAL Mortgage Security Value. {And, on top of that, the vendor was offering a 15% Gifted Deposit (which we found out later, proven by an SRA investigation in 2010) was dishonestly concealed from the lenders, by the vendor's selected buyer's conveyancer - not once, but in at least 452 occasions.|}|Once again, now that the Defamation case has gone away - which was a major obstacle even in our minds- which totally inhibited our desire, let alone our ability, to rebuild our fortune again{, |}our determination is back in there with a vengeance, as most people, having gone through what we had done, would have quite easily succumbed to bankruptcy, and just living (or surviving) off some menial day job. (Don't forget, most couples our age would be looking to a nice comfortable retirement as a reward for so many years in a corporate lifestyle - as we were.) We also got the press and local and national television involved (good old BBC Inside Out, and Panorama. Even Bloomberg's got involved). We could tell that our determination and actions were becoming successful, as the next stage was a whole series of illegal bugging, recording of our conversations, and even death threats against us! {Interestingly, as long ago as early 2006 we met with the major UK Banks and told them what was going on. |} {Just like the US Sub-Prime mortgage mess, did they listen? |} Did they curtail lending {to|for} this particular developer or tighten up their lending regulations... Nope! {They just chose to lend, lend, lend - after all that was what made the profits...|} In hindsight, even full-page adverts in a very prestigious UK Sunday paper, promoting the above situation, was {no|not any} guarantee that what is on offer was legal, but with RICS valuers involved, solid UK law firms handing the sales, where was the risk? Without the power of our NLP, constantly watching'The Secret' and visualising the way forward{, |}we could have very easily crumbled, but {slowly|gradually}, and surely, things eventually started to go our way, and some of our obstacles started to seem a {lot|great deal} smaller. This is a true-life {story|narrative} of what happened to a couple who worked hard and successful in their'Day Jobs' for over 30 years, and still took the time out to go for their financial life changing goals - achieved them {- |}lost the {lot|whole lot} - but with an unbelievably strong inner strength, fought their way back, and are {on|around} the UP again.{ To most people, the catastrophic size of this failure would have driven them to bankruptcy, divorce, or even contemplating suicide- especially when the reasons were nothing to do with the then current credit crunch, but because of the crooked behaviour of one or more individuals.|} Eleven valuers were arrested, as part of the ongoing criminal investigation, but as the legal battle lines are still being drawn, no more can be said for {now|today}. Apart from, of course, the fact that the developer was arrested on suspicion of fraud and money laundering recently, and all of his 30 or so companies are {now|currently} in Administration, {so|therefore} the Defamation case is {no|not any} more! We still start {out |}our day with motivational videos and end with gratitude. We also follow proven systems, because the only professional way to achieve the success we crave for, is for us, and our Team{, |}to follow these proven route maps {to|for} success, and {not to|to not} try and"Reinvent the wheel" Well, little did Topher {know|understand} what powerful outcomes were going to come out of his weekend session! As a direct consequence, I wrote a powerful article and published it on the Internet (not mentioning the developer, or any other conspirators by name) {on|about} what had happened to {us|people} titled'How to Avoid an Investment Property Scam', and if you type that title into Google, you will see hundreds of web sites displaying this article, so popular it was. I also wrote a letter to the head of the developer company, explaining that I forgave him for what he had done {to us|}. It was amazing how quickly we got a phone call from the man, not that it got us anywhere at the time. To most people,"Making a Million" or more is an impossible target, {so|therefore} {most|many} never {try|attempt}. {How about then, a scenario where one happily married couple, after 30 years in successful Corporate positions, with a string of children and grandchildren, decided to 'give it a go', built up a portfolio of nearly SIX MILLION DOLLARS - then lose the lot due to becoming ensnared in one of the biggest property 'rackets' in the United Kingdom.|} We intend to be back as millionaires within a few years. The lessons we have learnt have been severe, but the main point you should realise, is that {only |}you have the power to determine what you do with your life. Other people may {try|attempt} to influence you, and indeed place obstacles in your path, but at the end of the day, use {your|your own} mind, and you will overcome. All of the law firms we approached for {support|assistance} here (mentioning no names), should have immediately seen, what BDO Stoy Hayward defined, after being instructed to investigate our situation by one major law firm, that "The Investors had all become victims of a particularly vicious and clever fraud{.|}" That was the good bit. The bad bit was that the developer recognised not his name, but his actions, in the article, which is why me and Jane had this High Court Writ slammed on them (at 3.30 AM one morning) alleging Defamation and Libel. And do you {know|understand}, not many lawyers can fight this {sort|form} of battle, and those that can demand tens of thousands to take it {on|all on}. Little did we realise{, |}back then, the significance of that previous sentence. {As all these properties needed Local Authority status of Multiple Tenancy, and had a landlord, appointed by the vendor, managing the tenanting of those properties. |} Unless the property had full Local Authority House of Multiple Occupancy (HMO) status, due to the 2004 Housing Act, it would not {only|just} have been illegal for a landlord to tenant such a property, but it would also have been illegal for the landlord to sell it {to|into} another Landlord. {So - any mortgage issued to finance that property, would not be able to legally secure their debt against that property. |} How would that have affected you - your whole life; your relationships, your family, {or|or even} most importantly - your inner spirit? Wow! The outcome of this action was very soon apparent. So many people read my article, recognised the similar situation, and signed up with me. People from all {sorts|kinds} of property developments, not just the one I was involved in, and asked for help. About the same time as this was happening, we attended a weekend seminar in London on NLP given by our friend Topher Morrison. One of the points {on|onto} his course was to offer'total forgiveness' to those who had wronged us{, |}and"not be afraid to tell people of our failures". Anyway, for {two|a couple of} years, back in 2005, with me approaching 60, we had been {slowly|gradually} building up our investment property portfolio, including a dream retirement penthouse {on|to} a new Marina development near {to|into} our present home, and a superb large apartment in Bahama Bay in Florida. But then{, |}we were seduced by very clever and expensive advertising, to buy a number of properties that {on|onto} the face of it should have doubled {our|our own} fortunes. One of {our|those} friends actually bought around $12 Million worth of these properties, and he was {only|just} earning around $40,000 or so a year{!|old!} These properties, {most|many} with more than 4 rentable bedrooms, were all sold by the same developer, with Royal Institute of Chartered Surveyors (RICS) valuations, supposedly fully renovated, and fully tenanted with students, prior to completion, with a Landlord appointed by the developer. This was a worse blow than even bankruptcy, because if we were to lose, we could have been pursued for {up to|as many as} 6 years! And losing a defamation case could happen on a legal technicality! {So|Thus}, without legal backing, we commenced the fight as'Litigants in Person'. But by now{, |}we at least had over a hundred other investors supporting us{, |}and we had a number of civil bodies involved, including The Department of Trade and Industry. And the West Yorkshire Police Economic Crimes Unit, in conjunction with the SFO, had begun a criminal investigation into the whole affair. (But for some inexplicable reason, in 2010 the DPP ordered the police/SFO investigation closed, with immediate effect due allegedly to "Lack of evidence)". The problem with all of this is of course, her wardrobe will need a total replacement, which needs a {lot|great deal} of money!! We even spoke to our Member of Parliament in 2006. His comment was that the Banks needed less regulation - {not |}more!!! Without the amount of involvement{, |}we had both had, in understanding that {most|many} things that went on in our lives could be considerably shaped by the way in which we applied our minds to everyday events, we would probably have {lost|missed} our sanity a long time ago. This 'Inner Belief' drew us closer as a couple. Our exposure to techniques like NLP, and in particular the effect of regularly listening to The Secret {on|in} our lives was massive. Not {only|just} that, but this pair have since worked unselfishly for over a Decade, providing help, assistance, and on many occasions, a shoulder to cry on for well over a hundred other families, couples, and individual investors similarly affected. On top of that, as whistle blowers on the whole sorry episode, they were rewarded in 2007 with a High Court Writ for Defamation and Libel being served on both of them for $500,000 each {plus|and} damages - at 4.00AM, when a Post Office First Class stamp would have sufficed. The full story of {our|the} fight is too detailed to go into here, and the {story|narrative} is still not done totally yet, but if you ever find yourself in anyway near as dire a situation, you may want to reserve an advanced copy of our book, due out next year - entitled'How To Get out of Debt while Still Living in it'. {As a similar victim you will automatically get offered a copy at a 50% discount, and resale rights.|} {So - why did that dishonest act not invalidate the mortgage offers? |} {And why did nobody pay attention to the SRA's investigation?|} {Slowly|Gradually}, but surely, we are rebuilding our shattered financial lives. But how had we fared {out|outside} of this? Surely there are laws to {stop|prevent} this {sort|type} of thing happening (we thought). But it would seem that {only|just} if you have money do you have full protection in law. {Thus, began a fruitless search of many large UK law firms, trying to find one that was willing to help us on a 'no win, no fee' basis. |} {We found several major firms who agreed with us that "a very clever and deliberate fraud " seemed to be in place. |} {But would they help? |} No. {But what they did tell us was that there would be a better chance if we could identify many similar wronged investors. |} {It seemed then that we were doomed to accept our fate, unless we managed to jump over some quite massive hurdles. |} {Even though we could see right was on our side, the law was not going to help us.|} However, one very noticeable effect that stress and an inability to'control' our lives had on us was that over the three years that this has been going on, the amount of alcohol consumption, and all the wrong'comfort' foods was having a disastrous effect on {our|the} weight. Then one day, a colleague, who was also into The Secret like us, suggested that we were letting the effects of one man affect our lives by this binge eating and drinking. Well, the risk was that somehow the valuations were in many cases valued {on|within} an inappropriate commercial basis, using anticipated rental incomes and with a local authority status of multiple tenancy, {so|therefore} that valuation could have hardly been the REAL Mortgage Security Value. {And, on top of that, the vendor was offering a 15% Gifted Deposit (which we found out later, proven by an SRA investigation in 2010) was dishonestly concealed from the lenders, by the vendor's selected buyer's conveyancer - not once, but in at least 452 occasions.|} Accepting the fact that everything we did or got involved in was our decision, nobody else's, meant that we got rid of the'Blame' culture, and started to {look|search} for ways out of our situation. In doing {so|this }{, |}we like to think that we have also greatly helped all of the other investors who have looked to us for help, guidance, by always lending an ear when called. To Jane, this was like a raw challenge. For years, since a major car smash last century, she had had problems keeping her weight down. Imagine what the earlier and earlier first daily Gin and Tonic, were having on her. Now, she applied her mind {to|for} this problem, and after a determined period of over 20 weeks, she has brought her weight down by over 70 pounds. The obstacles that Jane had to overcome, to actually reach an even smaller size than she ever dreamt about were tremendous, but once again, her grasp of NLP and using her mind to control her determination, each obstacle was just another stepping stone on her route to a new body. Since 2012, with no capital behind us, we have become very ambitious network marketers, and in that time, thanks to a very hungry team, and 5 hungry leaders (Jane and I included), have built up an impressive collection of a massively undervalued Crypto coin, which was {only|just} launched in late 2020. However, the power and open-source structure of the coin's underlying Blockchain, and the {low|minimal} cost of these coins currently, has resulted in all our team, scooping {u|un} as many of these currently undervalued coins as we can.|We also got the press and local and national television involved (good old BBC Inside Out, and Panorama. Even Bloomberg's got involved). We could tell that our determination and actions were becoming successful, as the next stage was a whole series of illegal bugging, recording of our conversations, and even death threats against us! Wow! Without the amount of involvement{, |}we had both had, in understanding that {most|many} things that went on in our lives could be considerably shaped by the way in which we applied our minds to everyday events, we would probably have {lost|missed} our sanity a long time ago. This 'Inner Belief' drew us closer as a couple. Our exposure to techniques like NLP, and in particular the effect of regularly listening to The Secret {on|in} our lives was massive. We also follow proven systems, because the only professional way to achieve the success we crave for, is for us, and our Team{, |}to follow these proven route maps {to|for} success, and {not to|to not} try and"Reinvent the wheel" Accepting the fact that everything we did or got involved in was our decision, nobody else's, meant that we got rid of the'Blame' culture, and started to {look|search} for ways out of our situation. In doing {so|this }{, |}we like to think that we have also greatly helped all of the other investors who have looked to us for help, guidance, by always lending an ear when called. Little did we realise{, |}back then, the significance of that previous sentence. {As all these properties needed Local Authority status of Multiple Tenancy, and had a landlord, appointed by the vendor, managing the tenanting of those properties. |} Unless the property had full Local Authority House of Multiple Occupancy (HMO) status, due to the 2004 Housing Act, it would not {only|just} have been illegal for a landlord to tenant such a property, but it would also have been illegal for the landlord to sell it {to|into} another Landlord. {So - any mortgage issued to finance that property, would not be able to legally secure their debt against that property. |} Not {only|just} that, but this pair have since worked unselfishly for over a Decade, providing help, assistance, and on many occasions, a shoulder to cry on for well over a hundred other families, couples, and individual investors similarly affected. On top of that, as whistle blowers on the whole sorry episode, they were rewarded in 2007 with a High Court Writ for Defamation and Libel being served on both of them for $500,000 each {plus|and} damages - at 4.00AM, when a Post Office First Class stamp would have sufficed. About the same time as this was happening, we attended a weekend seminar in London on NLP given by our friend Topher Morrison. One of the points {on|onto} his course was to offer'total forgiveness' to those who had wronged us{, |}and"not be afraid to tell people of our failures". We even spoke to our Member of Parliament in 2006. His comment was that the Banks needed less regulation - {not |}more!!! {So - why did that dishonest act not invalidate the mortgage offers? |} {And why did nobody pay attention to the SRA's investigation?|} To Jane, this was like a raw challenge. For years, since a major car smash last century, she had had problems keeping her weight down. Imagine what the earlier and earlier first daily Gin and Tonic, were having on her. Now, she applied her mind {to|for} this problem, and after a determined period of over 20 weeks, she has brought her weight down by over 70 pounds. The obstacles that Jane had to overcome, to actually reach an even smaller size than she ever dreamt about were tremendous, but once again, her grasp of NLP and using her mind to control her determination, each obstacle was just another stepping stone on her route to a new body. Anyway, for {two|a couple of} years, back in 2005, with me approaching 60, we had been {slowly|gradually} building up our investment property portfolio, including a dream retirement penthouse {on|to} a new Marina development near {to|into} our present home, and a superb large apartment in Bahama Bay in Florida. But then{, |}we were seduced by very clever and expensive advertising, to buy a number of properties that {on|onto} the face of it should have doubled {our|our own} fortunes. One of {our|those} friends actually bought around $12 Million worth of these properties, and he was {only|just} earning around $40,000 or so a year{!|old!} These properties, {most|many} with more than 4 rentable bedrooms, were all sold by the same developer, with Royal Institute of Chartered Surveyors (RICS) valuations, supposedly fully renovated, and fully tenanted with students, prior to completion, with a Landlord appointed by the developer. In hindsight, even full-page adverts in a very prestigious UK Sunday paper, promoting the above situation, was {no|not any} guarantee that what is on offer was legal, but with RICS valuers involved, solid UK law firms handing the sales, where was the risk? {Interestingly, as long ago as early 2006 we met with the major UK Banks and told them what was going on. |} {Just like the US Sub-Prime mortgage mess, did they listen? |} Did they curtail lending {to|for} this particular developer or tighten up their lending regulations... Nope! {They just chose to lend, lend, lend - after all that was what made the profits...|} {Slowly|Gradually}, but surely, we are rebuilding our shattered financial lives. Well, the risk was that somehow the valuations were in many cases valued {on|within} an inappropriate commercial basis, using anticipated rental incomes and with a local authority status of multiple tenancy, {so|therefore} that valuation could have hardly been the REAL Mortgage Security Value. {And, on top of that, the vendor was offering a 15% Gifted Deposit (which we found out later, proven by an SRA investigation in 2010) was dishonestly concealed from the lenders, by the vendor's selected buyer's conveyancer - not once, but in at least 452 occasions.|} The problem with all of this is of course, her wardrobe will need a total replacement, which needs a {lot|great deal} of money!! We still start {out |}our day with motivational videos and end with gratitude. Without the power of our NLP, constantly watching'The Secret' and visualising the way forward{, |}we could have very easily crumbled, but {slowly|gradually}, and surely, things eventually started to go our way, and some of our obstacles started to seem a {lot|great deal} smaller. To most people,"Making a Million" or more is an impossible target, {so|therefore} {most|many} never {try|attempt}. {How about then, a scenario where one happily married couple, after 30 years in successful Corporate positions, with a string of children and grandchildren, decided to 'give it a go', built up a portfolio of nearly SIX MILLION DOLLARS - then lose the lot due to becoming ensnared in one of the biggest property 'rackets' in the United Kingdom.|} { To most people, the catastrophic size of this failure would have driven them to bankruptcy, divorce, or even contemplating suicide- especially when the reasons were nothing to do with the then current credit crunch, but because of the crooked behaviour of one or more individuals.|} The full story of {our|the} fight is too detailed to go into here, and the {story|narrative} is still not done totally yet, but if you ever find yourself in anyway near as dire a situation, you may want to reserve an advanced copy of our book, due out next year - entitled'How To Get out of Debt while Still Living in it'. {As a similar victim you will automatically get offered a copy at a 50% discount, and resale rights.|} That was the good bit. The bad bit was that the developer recognised not his name, but his actions, in the article, which is why me and Jane had this High Court Writ slammed on them (at 3.30 AM one morning) alleging Defamation and Libel. And do you {know|understand}, not many lawyers can fight this {sort|form} of battle, and those that can demand tens of thousands to take it {on|all on}. All of the law firms we approached for {support|assistance} here (mentioning no names), should have immediately seen, what BDO Stoy Hayward defined, after being instructed to investigate our situation by one major law firm, that "The Investors had all become victims of a particularly vicious and clever fraud{.|}" But how had we fared {out|outside} of this? Once again, now that the Defamation case has gone away - which was a major obstacle even in our minds- which totally inhibited our desire, let alone our ability, to rebuild our fortune again{, |}our determination is back in there with a vengeance, as most people, having gone through what we had done, would have quite easily succumbed to bankruptcy, and just living (or surviving) off some menial day job. (Don't forget, most couples our age would be looking to a nice comfortable retirement as a reward for so many years in a corporate lifestyle - as we were.) How would that have affected you - your whole life; your relationships, your family, {or|or even} most importantly - your inner spirit? We intend to be back as millionaires within a few years. The lessons we have learnt have been severe, but the main point you should realise, is that {only |}you have the power to determine what you do with your life. Other people may {try|attempt} to influence you, and indeed place obstacles in your path, but at the end of the day, use {your|your own} mind, and you will overcome. Well, little did Topher {know|understand} what powerful outcomes were going to come out of his weekend session! As a direct consequence, I wrote a powerful article and published it on the Internet (not mentioning the developer, or any other conspirators by name) {on|about} what had happened to {us|people} titled'How to Avoid an Investment Property Scam', and if you type that title into Google, you will see hundreds of web sites displaying this article, so popular it was. I also wrote a letter to the head of the developer company, explaining that I forgave him for what he had done {to us|}. It was amazing how quickly we got a phone call from the man, not that it got us anywhere at the time. Since 2012, with no capital behind us, we have become very ambitious network marketers, and in that time, thanks to a very hungry team, and 5 hungry leaders (Jane and I included), have built up an impressive collection of a massively undervalued Crypto coin, which was {only|just} launched in late 2020. However, the power and open-source structure of the coin's underlying Blockchain, and the {low|minimal} cost of these coins currently, has resulted in all our team, scooping {u|un} as many of these currently undervalued coins as we can. This is a true-life {story|narrative} of what happened to a couple who worked hard and successful in their'Day Jobs' for over 30 years, and still took the time out to go for their financial life changing goals - achieved them {- |}lost the {lot|whole lot} - but with an unbelievably strong inner strength, fought their way back, and are {on|around} the UP again. Surely there are laws to {stop|prevent} this {sort|type} of thing happening (we thought). But it would seem that {only|just} if you have money do you have full protection in law. {Thus, began a fruitless search of many large UK law firms, trying to find one that was willing to help us on a 'no win, no fee' basis. |} {We found several major firms who agreed with us that "a very clever and deliberate fraud " seemed to be in place. |} {But would they help? |} No. {But what they did tell us was that there would be a better chance if we could identify many similar wronged investors. |} {It seemed then that we were doomed to accept our fate, unless we managed to jump over some quite massive hurdles. |} {Even though we could see right was on our side, the law was not going to help us.|} Eleven valuers were arrested, as part of the ongoing criminal investigation, but as the legal battle lines are still being drawn, no more can be said for {now|today}. Apart from, of course, the fact that the developer was arrested on suspicion of fraud and money laundering recently, and all of his 30 or so companies are {now|currently} in Administration, {so|therefore} the Defamation case is {no|not any} more! However, one very noticeable effect that stress and an inability to'control' our lives had on us was that over the three years that this has been going on, the amount of alcohol consumption, and all the wrong'comfort' foods was having a disastrous effect on {our|the} weight. Then one day, a colleague, who was also into The Secret like us, suggested that we were letting the effects of one man affect our lives by this binge eating and drinking. The outcome of this action was very soon apparent. So many people read my article, recognised the similar situation, and signed up with me. People from all {sorts|kinds} of property developments, not just the one I was involved in, and asked for help. This was a worse blow than even bankruptcy, because if we were to lose, we could have been pursued for {up to|as many as} 6 years! And losing a defamation case could happen on a legal technicality! {So|Thus}, without legal backing, we commenced the fight as'Litigants in Person'. But by now{, |}we at least had over a hundred other investors supporting us{, |}and we had a number of civil bodies involved, including The Department of Trade and Industry. And the West Yorkshire Police Economic Crimes Unit, in conjunction with the SFO, had begun a criminal investigation into the whole affair. 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