$700k windfall: Russian man outwits bankwith hand-written credit contract

Oleg Tinkov, head of Tinkoff Group
 (RIA Novosti / Ramil Sitdikov)

http://on.rt.com/movrvj
This is probably one of those moments when a corporation really wishes it wasn't a "person" in a contract.... LOL!!! I don't recommend trying this, but this is very funny... -Bill

$700k windfall: Russian man outwits bank with hand-written credit contract
Published time: August 08, 2013 11:59
Edited time: August 08, 2013 15:55

A Russian man who decided to write his own small print in a credit card contract has had his changes upheld in court. He's now suing the country's leading online bank for more than 24 million rubles ($727,000) in compensation.

Disappointed by the terms of the unsolicited offer for a credit card from Tinkoff Credit Systems in 2008, a  42-year-old Dmitry Agarkov from the city of Voronezh decided to hand write his own credits terms.

The trick was that Agarkov simply scanned the bank’s document and ‘amended’ the small print with his own terms.

He opted for a 0 percent interest rate and no fees, adding that the customer "is not obliged to pay any fees and charges imposed by bank tariffs." The bank, however, didn’t read ‘the amendments’, as it signed and certified the document, as well as sent the man a credit card. Under the agreement, the bank OK'd to provide unlimited credit, according to Agarkov’s lawyer Dmitry Mikhalevich talking to Kommersant daily.

"The opened credit line was unlimited. He could afford to buy an island somewhere in Malaysia, and the bank would have to pay for it by law," Mikhalevich added.


Agarkov also changed the URL of the site where the terms and conditions were published and hedged against the bank’s breaking of the agreement. For each unilateral change in the terms provided in the agreement, the bank would be asked to pay the customer (Agarkov) 3 million rubles ($91,000), or a cancelation fee of 6 million rubles ($182,000).

A headquarters of Tinkoff Credit Systems bank in
 Moscow (RIA Novosti / Ramil Sitdikov)

However, after two years of active use, the bank decided to terminate Agarkov's credit card  because of overdue payments. In 2012, the bank sued Agarkov for 45,000 rubles ($1,363) - an amount that included the remaining balance, fees, and late payment charges, which violated the actual agreement. The court decided that the agreement Agarkov crafted was valid, and required him to settle only his balance of 19,000 rubles ($575).

The bankers had to admit the mistake, says Agarkov’s representative  Dmitry Mikhalevich.

"They signed the documents without looking. They said what usually their borrowers say in court: 'We have not read it,'” says Mikhalevich.

Despite the victory, Agarkov decided to sue Tinkoff Credit Systems for fines of 24 million rubles ($727,000) for not honoring the terms of the agreement, and the decision to terminate the contract without paying 6 million rubles ($182,000) fee.

"Our lawyers think, he is going to get not 24 million, but really four years in prison for fraud. Now it's a matter of principle for @ tcsbank,” founder of the bank Oleg Tinkov tweeted.

“We don’t have small print, everything is clear and transparent. Try to open a card - then we'll talk. Stealing is a sin - in my opinion, of course. Not all in Russia think so,” Tinkov tweeted.

The next hearing will be held in September.

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July 31 Update: "Nothing is happening".... *snort* buhahhahahah!!! Oh, and more info about Iraq

http://removingtheshackles.blogspot.com/2013/07/july-31-update-nothing-is-happening.html

Wednesday, 31 July 2013

July 31 Update: "Nothing is happening".... *snort* buhahhahahah!!! Oh, and more info about Iraq

As I mentioned yesterday in the Charts article, the most awesome research team in the world have dragged some brilliant pieces of information and links into the spot light.  I haven't been able to even remotely get the info/links put together in any semblance of organization, but a few of these pieces just absolutely needed to be put out here now.

Edited about 3 minutes after publishing to say:  I'm sorry or all the formatting mess- I have no idea what the hell is wrong with my blogger account, but it's seriously having mental issues for the past 3 days.  I'll try to get it sorted out.   

D

 First off, for all those that love to chant "Nothing is Happening" while sticking their fingers in their ears and singing "lalalalalallalalalala I can't hear you!!!"- for you guys, I love you, but I know that nothing that anyone shows you will make you see and hear the truth of what's happening around you.  But seriously?........ you fingers have GOT to be getting tired by now!!

Here is a little update on that: 

http://briankellysblog.blogspot.com/2013/07/courtesy-notice-success-story-32194.html

Courtesy Notice Success Story -- $32,194 Loan Waived by Key Bank

http://briankellysblog.blogspot.com/2013/07/courtesy-notice-success-story-9969221.html

Updated w/Documents: Courtesy Notice Success Story -- $99,692.21 Forgiven by Chase Bank 

This is from one of the facebook groups and was sent to me on skype:

BIG NEWS!!!! From XXXXX CVAC 101

So, as a success story I would like to report that as of today after sending to the Vice President of the alleged Chase Bank ( who just happen to send me a letter in May with his name and signature on it to sell my home in foreclosure) was a Determination of Funding Letter, 1 Courtesy Notice and 2 invoices totaling 9,000 pieces of 99.9 silver, I received today a letter from the alleged Chase Bank that the lien on my mortgage has been released and discharges the original contract, whereas I am now responsible for the property tax and insurances, and can do what I dam well please with what I want to do with it. 

This was a wonderful and fun exercise in which in my heart was the right thing to do to show others that what was being done to all of us was wrong. I needed to take a stand here in Detroit as I watched neighborhoods and communities being torn apart and become inhumane as people were being forced out of their homes, their furnishing thrown in the street and in dumpsters, causing some beautiful homes to be victims of vandalization, with property values dropping like flies, and mortgage payments going through the roof with LIBOR the ARM’s deal The home’s stood empty and all the love was torn from the structures. 

What could I do?

With the tools that were given to us by the OPPT crew II used them all, Courtesy Notices, The Determination of Funding letter, the invoices, the court templates etc, I edited them and used them sending all the love and light I could to float above and through each word, with good intent to bring awareness to every person whose eyes read it, and whose heart it may touch. 

I am now going to open a Dream Weavers Center to help and show as many people who have eyes to see and ears to hear where their value is, as we are the value and always have been, but it was never taught but was hidden so very well.

Many of the people of family and friends who thought I had lost my mind, want to now join in to see what is going on with formerly OPPT now I/UV to Opt out of the old slavery system and it is done. I say come one come all we are in for another ride but this time there will be more of us. We are Eternal Essence Embodied absent limits !!!!! (*)

Many more stories can be read at  http://i-uv.com/ and Brian is always updating his blog with new stories of success as well.

This was one of my fav bits on news this morning- I giggled for almost an hour.  Yep, tell me that "nothing is happening" when members of the Saudi Royal Family are stepping down and openly talking about the corruption and  the "suffering under the Al Saud regime"..... yea.... nothing to look at here.

Prince Khalid Bin Farhan Al-Saud has announced his defection from Al Saud royal family through a statement, calling on other princes to break their silence and reveal the truth for sake of God. - See more at: http://en.alalam.ir/news/1499049#sthash.ayedo7KW.fpyjnUdo.dpuf

In other interesting news, JP Morgan just can't seem to stay out of the hot seat for longer than 48 hours:

JPMorgan Looks to Pay to Settle U.S. Inquiries

JPMorgan Chase is pulling out its checkbook to help mend frayed relationships with the government.

But its new and conciliatory approach — a departure for the bank and its leader, Jamie Dimon, who generally has taken a hard line with the authorities — is yielding mixed results. Government officials, stung by the bank’s past displays of hubris, may drive up the price of settlements or resist the overtures altogether.

The hefty payouts started on Tuesday when JPMorgan struck a $410 million settlement with the nation’s top energy regulator, which had accused the bank of devising “manipulative schemes” to transform “money-losing power plants into powerful profit centers.” The agreement was a record fine for the Federal Energy Regulatory Commission, whose most recent settlement with a big bank totaled only $1.6 million.

JPMorgan is bracing for an even larger penalty stemming from shoddy mortgage securities it sold to the government.

http://dealbook.nytimes.com/2013/07/30/jpmorgan-to-pay-410-million-in-power-market-manipulation-case/?_r=1 

But not to be outdone, The Bank of England is in hotter water when documents came showing that they were selling the Nazi's stolen gold for them!!! 

Documents reveal Bank of England sold stolen gold for Nazis

Archived material details how gold bars plundered from Czechoslovakia were sold on behalf of Germany's central bank in 1939

http://www.independent.co.uk/news/uk/home-news/documents-reveal-bank-of-england-sold-stolen-gold-for-nazis-8738805.html

And then there is this mess from Barclays......   Lovin' that CNN is outing MI5... I mean, "Barclays", teeheehee!

Barclays reveals £12.8 billion balance sheet hole

(Financial Times) -- Barclays has revealed a £12.8 billion ($19.6 billion) hole in its balance sheet as it announced a £5.8 billion rights issue, buttressed by a plan to shrink its balance sheet and issue £2 billion of contingent convertible debt.

Seriously?!  Can anyone even remotely translate that sentence into something that is understandable (let alone LEGAL).  I loved this part though- are you ready for this?

"Alongside the capital measures, the bank announced £2 billion of fresh mis-selling provisions, £1.35 billion to cover PPI and £650 million to cover interest rate swaps.

Barclays also announced second-quarter profits of £3.6bn on an adjusted pre-tax basis, down 17 per cent. Statutory pre-tax profit doubled to £1.7 billion, the bank said."

http://edition.cnn.com/2013/07/30/business/barclays-balance-sheet-rights-issue/index.html?hpt=hp_t3

Now, THIS one is funny as all hell!!!  Considering the fact that PayPal have yet to manage to return my multiple emails or reset my password for me, let alone fix the issue I have with even being able to access my account!!..... I have a hard time taking them seriously on this one!!!  (I'm sure the Galactics are roaring laughing as well!)

PayPal says outer space is its next frontier

 http://www.cbsnews.com/8301-205_162-57591387/paypal-says-outer-space-is-its-next-frontier/

This one is for all my fellow Canucks:

http://ca.news.yahoo.com/injured-soldier-lawsuit-dismissed-ottawa-tells-b-c-080010732.html

Vets angry as federal lawyers argue Ottawa has no social obligation to soldiers

"At least one veterans group promises to campaign against the Harper Conservatives because of a stand taken by federal lawyers, who argue the country holds no extraordinary social obligation to ex-soldiers."

.... As a former Canadian Armed Forces Medic and a Harper Hater..... that one nearly made my head blew off.

And for those looking for more information about Iraq and the massive sell off of all the country's assets, I've put together a couple of very telling articles.

http://therealnews.com/t2/index.php?option=com_content&task=view&id=31&Itemid=74&jumival=7418

"JUHASZ: Yeah, there's been a long, very public fight, first started by the Bush administration, on behest of the oil companies that basically operated both within and without of the administration to utilize the invasion of Iraq as a way to open up Iraq to Western oil companies, which haven't been able to operate in Iraq since the 1970s nationalizations. And there were two methods that were pursued to do that.

One was to get the Iraqis to pass a new national law, the Iraq oil law, that would lock in guaranteed market access, under incredibly lucrative terms to foreign companies, to foreign companies--basically, transition Iraq from a nationalized oil system to an all but privatized system. The fight over that law has been very public, and there has been great opposition to it by Iraqi parliamentarians, oil workers unions, civil society groups, people all around the world. And that battle is ongoing. At this very moment, the Iraqi Parliament is still debating trying to get law through, and still has been unable to do so.

While that public process has gone on, a much quieter process has proceeded, which is a contracting process, a series of rounds opening up, contract by contract, new oil fields in Iraq to foreign companies. And this process has taken place using contract terms that are essentially the same as what is in the law, but in--contract by contract."

Unfortunately the US "Advisors" (controllers) made sure that directly written into the Constitution was a grandfather clause to insure that NO contracts signed during the occupation of Iraq (ie: selling off all Iraq's assets, commodities and mineral rights) could be over turned by any future Iraqi government!!  Nice, eh?

Western oil firms remain as US exits Iraq

The end of the US military occupation does not mean Iraqis have full control of their oil.

http://www.aljazeera.com/indepth/features/2011/12/2011122813134071641.html

"Dr Abdulhay Yahya Zalloum, an international oil consultant and economist who has spent nearly 50 years in the oil business in the US, Europe, Asia and the Middle East, agrees that western oil companies have "obtained concessions in Iraq's major [oil] fields", despite "there being a lack of transparency and clarity of vision regarding the legal issues".

Dr Zalloum added that he believes western oil companies have successfully acquired the lions' share of Iraq's oil, "but they gave a little piece of the cake for China and some of the other countries and companies to keep them silent"."

...note that he doesn't mention any Iraqi companies nor the Iraqi government 

 I HIGHLY recommend reading the below article in it's entirety if you really want to understand just how fucked Iraq is and what the US has done to insure that they have complete control of the entire country.

Looting By Another Name

The Corporate Takeover of Iraq’s Economy

http://www.counterpunch.org/2006/05/10/the-corporate-takeover-of-iraq-s-economy/

"To further embed a U.S. corporate economy in Iraq, the Iraq Constitution contained provisions that approve the Bremer Orders. The new Iraqi Constitution specifically repealed the Transitional Administrative Law, but did no such thing for Bremer’s Orders and therefore they continue to be the law of the land. Thus, U.S. corporations continue their hold on the reconstruction of Iraq, and U.S. contractors continue to have full immunity from prosecution in Iraq. Beyond that, several articles of the Constitution re-enforce the Bremer Orders, e.g. Article 25 requires "modern economic principles that insure the full investment of its resources, diversification of its sources and the encouragement and development of the private sector; Article 26 "guarantees the encouragement of investment in various sectors," Article 27 allows for the privatization of state property. Juhasz points out that modern economic principles means corporate globalization and the market principles of the Bremer Orders, and private investment means foreign investment.

...

The method being used for U.S. control of Iraq’s oil is Production Sharing Agreements. PSA’s favor private companies at the expense of exporting governments as the entire exploration, drilling and infrastructure-building process are turned over to private companies in contracts that last twenty-five to forty years. These contracts lock in the laws at the time the contract is signed. Thus contracts signed now would have the Bremer Orders as their law no matter what a future Iraqi government did......

Interim Prime Minister Allawi submitted guidelines for Iraq’s new petroleum law in September 2004. The guidelines put "an end to the centrally planned and state-dominated Iraq economy" and urged the "Iraqi government to disengage from running the oil sector." Further, he recommended privatization stating the industry "should be exclusively based in the private sector, that domestic wholesale and retail marketing of petroleum products should be gradually transferred to the private sector, and that major refinery expansions or grassroots refineries should be built by the local and foreign private sectors." Finally, Allawi called for all undeveloped oil and gas fields to be turned over to private international oil companies. This, at a time when only seventeen of Iraq’s eighty known oil fields have been developed. Article 109 of the Iraq Constitution re-enforces this goal stating that the federal government only administers existing oil and gas fields. The plans for a new Iraq petroleum law were made public at a press conference in Washington, DC by Adel Abdul Mahdi, formerly the Finance Minister, and now a Deputy President of Iraq.  

Posted by Breaking The Silence at 12:05 

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Margin call on US banks (or rather too-big-to-fail banks)

Margin call on US banks (or rather too-big-to-fail banks)
Steen Jakobsen, Chief Economist & CIO, Saxo Bank
Filed in Steen's Chronicle
Denmark, Tuesday at 23:28 GMT-7 Recommend
http://www.tradingfloor.com/posts/margin-call-us-banks-rather-fail-banks-1939469058

This week's biggest news is not the Nonfarm Payrolls (which will be 160,000 again), or the European Central Bank (which will not introduce quantitative easing) or even Portugal's government falling. No — this week's big deal is the openness with which the Federal Reserve is preparing a major margin call on the too-big-to-fail banks in the US.

This has been a long time coming since the introduction of the Dodd-Frank law back in 2010 but it is a game changer. Remember all macro paradigm shifts come from policy impulses, often mistakes.

Fed approves step one in a three step plan
Under the final rule, minimum requirements will increase for both the quantity and quality of capital held by banking organisations. Consistent with the international Basel framework, the rule includes a new minimum ratio of common equity tier 1 capital to risk-weighted assets of 4.5 percent and a common equity tier 1 capital conservation buffer of 2.5 percent of risk-weighted assets that will apply to all supervised financial institutions. The rule also raises the minimum ratio of tier 1 capital to risk-weighted assets from four percent to six percent and includes a minimum leverage ratio of four percent for all banking organisations. In addition, for the largest, most internationally-active banking organisations, the final rule includes a new minimum supplementary leverage ratio that takes into account off-balance sheet exposures. (See the press release here)

I know you are thinking: Wow, this is the most interesting thing I have seen in years :-) but alas it is - because it is in fact a major margin call on the US holding banks.

Note how this adoption is only the first set of a series of new rules. Let me introduce you to: Daniel Tarullo, The Federal Reserve Governor in charge of regulation after the implementation of the Dodd-Frank law in 2010. (As a consequence of Dodd-Frank, the Fed got a permanent regulatory governor.)

I had nothing else to do so I read his latest speeches which are surprisingly clear (considering that he's a policy guy).



Governor Daniel K. Tarullo

At the Peterson Institute for International Economics, Washington, D.C.

May 3, 2013 Evaluating Progress in Regulatory Reforms to Promote Financial Stability

The speech considers the "additional charges" which are coming and today's Basle III was only item number one:

First, the basic prudential framework for banking organisations is being considerably strengthened, both internationally and domestically. Central to this effort are the Basel III changes to capital standards, which create a new requirement for a minimum common equity capital ratio. This new standard requires substantial increases in both the quality and quantity of the loss-absorbing capital that allows a firm to remain a viable financial intermediary. Basel III also established for the first time an international minimum leverage ratio which, unlike the traditional US leverage requirement, takes account of off-balance-sheet items.

Second, a series of reforms have been targeted at the larger financial firms that are more likely to be of systemic importance. When fully implemented, these measures will have formed a distinct regulatory and supervisory structure on top of generally applicable prudential regulations and supervisory requirements. The governing principle for this new set of rules is that larger institutions should be subject to more exacting regulatory and supervisory requirements, which should become progressively stricter as the systemic importance of a firm increases.

This principle has been codified in Section 165 of the Dodd-Frank Act, which requires special regulations applicable with increasing stringency to large banking organizations.1 Under this authority, the Federal Reserve will impose capital surcharges on the eight large US banking organizations identified in the Basel Committee agreement for additional capital requirements on banking organisations of global systemic importance. The size of surcharge will vary depending on the relative systemic importance of the bank. Other rules to be applied under Section 165—including counterparty credit risk limits, stress testing, and the quantitative short-term liquidity requirements included in the internationally-negotiated Liquidity Coverage Ratio (LCR)—will apply only to large institutions, in some cases with stricter standards for firms of greatest systemic importance.

An important, related reform in Dodd-Frank was the creation of orderly liquidation authority, under which the Federal Deposit Insurance Corporation can impose losses on a failed systemic institution's shareholders and creditors and replace its management, while avoiding runs and preserving the operations of the sound, functioning parts of the firm. This authority gives the government a real alternative to the Hobson's choice of bailout or disorderly bankruptcy that authorities faced in 2008. Similar resolution mechanisms are under development in other countries, and international consultations are underway to plan for cooperative efforts to resolve multinational financial firms.

A third set of reforms has been aimed at strengthening financial markets generally, without regard to the status of relevant market actors as regulated or systemically important. The greatest focus, as mandated under Titles VII and VIII of Dodd-Frank, has been on making derivatives markets safer through requiring central clearing for derivatives that can be standardised and creating margin requirements for derivatives that continue to be written and traded outside of central clearing facilities. The relevant US agencies are working with their international counterparts to produce an international arrangement that will harmonise these requirements so as to promote both global financial stability and competitive parity. In addition, eight financial market utilities engaged in important payment, clearing, and settlement activities have been designated by the Financial Stability Oversight Council as systemically important and, thus, will now be subject to enhanced supervision.

A margin call is coming....

To illustrate the case, here's  several quotes and links from today's media:

Crenews.com: Federal regulators on Tuesday are scheduled to unveil and vote on the final provisions they have set for the US's implementation of international banking standards that could result in banks pulling back on their commercial real estate activities, including lending, mortgage servicing and CMBS investments. Industry groups are lobbying to lessen the potential impact of the rules.

See also USA Today: Most banks are already in compliance with the rule, according to the Fed, though it estimates about 100 banks will need to raise roughly USD 4.5 billion in capital by 2019.The new rules simplify the risk calculations for mortgages, a process that community lenders had argued was too complex and would limit their ability to provide home loans. Community and regional banks comprise more than 90% percent of US lenders, according to the Federal Deposit Insurance Corp (FDIC).

The Fed unanimously approved the 792-page set of standards, which were mandated by the 2010 financial overhaul law. The FDIC and the Office of the Comptroller of the Currency are also expected to approve the new standards

Reuters: However, the Fed warned it was drafting four more rules that would go beyond what the Basel accord called for, including one on leverage and another on a capital surcharge. (See full version of this story here.)

Conclusion
Why is this important? Because part of the Fed's new remit since Dodd-Frank makes it responsible for bubbles in banking — it is even more interesting because clearly, to me at least, this is a major part of why Bernanke and Dudley at the FOMC are willing to ignore the lower inflation. This low inflation has both monetarist and Keynesians up in arms, and as it is often the case, the REAL reason for major macro paradigm shifts comes from policy mistakes in this case pro-cyclical regulation.

Prepare yourself and please do read the above. If not we are doomed to focus on QE-petering while Fed gives the whole banking industry a major margin call.

Safe travels,

Steen

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OPPT & I UV from A to Z

Tuesday, 2 July 2013

OPPT & I UV from A to Z
By D. of Removing the Shackles


The One Peoples Radio Show last night played the recorded Interview we did with Heather yesterday morning, and that is available to listen to in the show archive, or the videos that I posted this morning.

As I said at the beginning of the interview, the article I wrote on Saturday, and now the interview itself, have gone viral across the internet. This has generated a new wave of listeners who are discovering The One Peoples Public Trust (OPPT) Uniform Commercial Code (UCC) filings and the I UV documents for the very first time.  Some of these people have no knowledge of the background that leads up to these filings, nor the reason WHY.

I'm writing this article as a historical run down of all the important documents, the links, the articles that are very relevant to all that has been done since the very first OPPT filing.  Please share this out with your friends, on your website, social media groups etc....

.... If I've missed anything really vital, I will edit to update.

The main sites that have been following, and working with, the OPPT and I UV information are:

http://americankabuki.blogspot.com/

http://removingtheshackles.blogspot.ca/  and  http://removingtheshackles.net/
http://www.lisamharrison.com/
http://kauilapele.wordpress.com/
http://briankellysblog.blogspot.com/

and there are several regular blog talk radio shows that have focused a lot on everything we have been working on:

http://www.blogtalkradio.com/thecollectiveimagination

Monday night at 8est is The One People radio show
Tuesday night at 8est is The Collective Imagination



A group of amazing people stepped up and worked together to create a web site OPPT.com that kept current articles from the internet about the OPPT and various other topics.  Once the OPPT was retired, they renamed and recreated the site to http://i-uv.com/ .  The oppt.com and the i-uv.com sites are not the official websites of the OPPT trustees or the I UV INchange. This awesome group of volunteers has keep a running list of all the current articles to do with oppt and the I UV, plus an assortment of other stories and news that they find interesting.

There is also an RTS forum and several skype groups that follow everything that has been happening.

... and of course, Caleb's Project XIII is about to be launched very soon, which will take social networking and mega secure communications to a whole new level.


My friend Oliver Troll  wrote this outline of the DOings of OPPT and the Trustees:

What is it actually that OPPT has made and what was the purpose?
 OPPT has done the following:

 1: Examined the corrupting financial systems and its links to the legal system and the rule of law, knowingly, willingly and intentionally by the three trustees Caleb Skinner, Hollis Randal Hillner and Heather Ann Tucci-Jarraf on the behalf of us the people.

 2: Registered UCC-filings (Uniform Commercial Code)  in order to invalidate the Governments, authorities and companies with The Paradigm Report as a basis.  ... They (the UCC Filings)  have to date not been rebutted or disproved, as of the 1st of July, 2013.

 3:Created a space for Creative Value Asset Center's (CVAC) which each individual is so that it cannot be taken from us. This has been done through the documentation that OPPT has registered, we have hereby been liberated from the unconscious slavery system based solely on the monetary. No one has the right to decide on an individual sovereign individual because nobody can show any documents  in which we as individuals (not people) have agreed that we should be subordinate to someone.

 4: Taking back our own value by introducing I and Universal Value-INchange. Dissolution of the Foundation hereby also OPPT has now fulfilled its purpose and has been retired! (UCC-filings, however, still stand)

 5: Introduce a new value system (that represents the original value system before the current financial system removed vital parts and took away transparency-D) that is linked to our individual value is unlimited.

The following are the links to various documents, filings, and articles that follow the journey of us all to this point.

"The Tidal Wave is Coming" including the Paradigm Report in test and pdf
http://removingtheshackles.blogspot.ca/2013/06/the-tidal-wave-is-coming.html

Official Announcements from The One People's Public Trust in December 2012 on American Kabuki's site:
http://americankabuki.blogspot.com/2012/12/official-announcement-from-one-peoples.html
http://americankabuki.blogspot.com/2012/12/the-one-peoples-public-trust.html
http://americankabuki.blogspot.com/2012/12/the-one-peoples-public-trust-ucc-and.html

Original interview with Brian, D and Heather:
http://removingtheshackles.blogspot.ca/2013/01/a-conversation-with-trustee-heather-of.html

Transcription of the interview:
 http://americankabuki.blogspot.com/2013/01/toppt-transcript-conversation-with.html

OPPT Trustee Bonds
http://i-uv.com/oppt-absolute/oppt-trustee-bonds/

OPPT Declaration Orders
http://i-uv.com/oppt-absolute/oppt-declaration-orders/

OPPT Commercial Bill UCC Filing
http://i-uv.com/oppt-absolute/original-oppt-ucc-filings/oppt-commercial-bill-ucc-filing/

NOTICE: I and UV INchange
http://removingtheshackles.blogspot.ca/2013/03/notice-i-and-uv-exchange.html

Universal Value exchange announcement 1121
http://removingtheshackles.blogspot.ca/2013/03/universal-value-uv-exchange-final.html

A Message from Heather: Almost Every Loan, If Not Every Loan is Fraud...No Loan Was Made
http://americankabuki.blogspot.com/2013/02/a-message-from-heather-almost-every.html

OPPT-Isn't
http://americankabuki.blogspot.com/2013/03/oppt-isnt.html

OPPT Definitions
http://removingtheshackles.blogspot.ca/2013/02/oppt-definitions.html

A site devoted to answering OPPT questions
http://understandingtheoppt.info

Foreclosed Government Corporations- links
http://removingtheshackles.blogspot.ca/2013/02/oppt-press-release-ucc-tool-box-oppt.html
and
http://removingtheshackles.blogspot.ca/2013/02/is-your-government-i-mean-corporation.html

Radio Show Transcripts for 2013
http://i-uv.com/media/show-transcripts/

Educational Entertainment for a Snow Day Including:
From Tyranny to Freedom
Meet Your Strawman
The American Dream

http://removingtheshackles.blogspot.ca/2013/02/educational-entertainment-for-snow-day.html

Playing with Gold: An Exercise
http://kauilapele.wordpress.com/2013/01/22/an-exercise-playing-with-gold-energy-that-is/

Courtesy Notice Documents, plus “How to Fill Them Out and Send Them” MP3(s) by Ken Bartle, Scott Bartle, and Chris Hale
http://kauilapele.wordpress.com/2013/02/22/courtesy-notice-documents-plus-how-to-fill-them-out-and-send-them-mp3s-by-ken-bartle-scott-bartle-and-chris-hale/

Latest versions of the  Courtesy Notice (CN)
http://i-uv.com/oppt-absolute/oppt-tools/oppt-courtesy-notice/

Foreclosure Flyer which has each UCC filing # mentioned linked to the actual UCC filings
http://i-uv.com/oppt-absolute/oppt-tools/the-foreclosure-flyer/

"What if..."
http://removingtheshackles.blogspot.com/2013/02/what-if.html

"Do You Remember?"
http://removingtheshackles.blogspot.ca/2013/02/do-you-remember.html

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Vulture Banking Meets Its Maker

Vulture Banking Meets Its Maker
By American Kabuki


My search for understanding the banking system began as quite a young man.  My high school years were rather unspectacular. I thought I was not too bright, after all my grades were Bs and Cs, and that report card meant to me and my parents that I wasn't that bright.  Throw in slight case of undiagnosed dyslexia and I convinced myself I was none too bright.  My limits were set low.  What I really was in high school, was bored and unchallenged. I found out I was smarter than I thought when I went to University.

My high school guidance counselor advised me to "go into the trades", that's just what they told people then they thought were less than worthy of college.  So I set out to be an electrician.

I always liked electricity, and regularly shocked myself playing with the house wiring on my mom's house, but I learned and got quite good at it.  Frightened my mother half to death during the learning stages.  I was not an easy child.  One time I made telegraph with with a big woofer speaker I found in an abandoned TV in the alley. I connected it to a 12 volt AC transformer and a telegraph key pad, and mounted it in this 5 gallon bulk peanut butter can my mom got from the Mormon food place that we got bulk food from for the 6 kids.  Every time I pressed the keypad this 60hz hum reverberated through the house with a slightly metallic sound and my mom came rushing in from the kitchen thinking I had finally done myself in for good messing with the power lines and truly fried myself.  I never saw her so angry and she told me she'd toss me out of house if I ever turned that thing on again!  I complied.  So the next thing I invented was a latching logic circuit out of some electromechanical relays. They didn't make as much noise. I didn't realize then what I invented on my own but I liked the fact it would start a circuit connection and stay connected.  I also tried to create electricity from water, but never succeed at that.  But for some reason I thought it could be done.


I did not get accepted into the electrician apprentice program. I did get hired as an apprentice carpenter to some amazing journeymen carpenters. We built winter millionaire homes in the desert mountains of Carefree Arizona.  My boss Gerry Jones was a former fighter pilot in the Flying Tigers in China during WWII and a 2nd degree black belt in Judo.  His money partner was the TV news anchor Hugh Downs.  My father had volunteered for that duty also but was too young at the time and ended up in the European war.  Gerry was a quite remarkable man with a high degree of self control and very ecologically minded.  He also went to my mom's high school in Indiana. I learned a little Judo from him... well at least enough to know how to fall and not hurt myself when he threw me across the mat. Knowing how to fall and not damage yourself is a good skill to know in life.  He had a huge impact on my life, and probably started my interest in Japanese culture. He spent 10 years in Japan.  Gerry was everything my father was not... self controlled.  I admired that.

The houses I built overlooked the Dick Van Dyke Studio for The New Dick Van Dyke Show, they were truly remarkable one of a kind homes nestled in granite boulders.  The way these homes were financed was unique in that they never had a mortgage.  The company I worked for built them all at cost plus 15%.  Often the designs and requirements were so exotic that no fixed bid could be made. They were always paid for by stock sales by their owners. At that age I couldn't imagine anyone having that much stock money.

We built homes for Lipman who owned the Lipman gallery in NYC, Alan Mayer, the Oscar Mayer scion who the family paid to stay away from the corporation because he was not too bright, and a huge 10,000 square foot hacienda near Cavecreek for the guests of the Whirlpool Corporation that looked it was more arranged for female companionship encounters of those friendly to the company than anything.  Beautiful homes, inspiring places to inhabit, nothing like the suburban South Scottsdale cracker box I grew up in.  I remember thinking why was it in this world it was that so few could enjoy a quality existence, what was it with pieces of paper that entitled one person so luxury but denied another.  You can't tell me its because they work harder. I know that to be false.  Hard work had nothing to do with it.  Can't even claim its time and chance.


I enjoyed building homes. Nothing quite as satisfying as building something that will out live your own physical body.  The wildlife of the desert in that area was full of animals, gila monsters, deer, rabbits, bob cats, desert tortoise and quail.  It was one of the happiest times of my life.

I worked for about 24 months then the economy went south, interest rates sky rocketed, and a crew of 100 soon whittled down to just me, as I was the youngest and least paid.   It was more profitable for the rich buyers to put money into bonds that stocks than real estate that was no longer rising in price due to high interest rates.  I learned decades later that the USA had decided to monetize the Vietnam war debt by printing money and that drove inflation through the roof as well as interest rates need to finance the debt.  It baffled me why economic conditions could change so rapidly.  I wasn't taught how things really worked in school.  I was taught the Fed controlled inflation instead of being the cause of inflation. There was no course in how banks truly worked just as there was no course in how power was exerted.  I knew what I wanted to BE and DO, but I couldn't get work because of decisions made 4000 miles east.  How was it Alan Volker thought it was his job to jack interest rates up so high and put me out of work? Those were questions I asked myself.  What did I do wrong? Nothing is more disempowering that not being able to control your economic fate.   And try living on Arizona's meager unemployment system... Arizona has never been a socialist paradise.

Everything in the end was driven by the bond market.  Bond traders are by far the most savvy of market traders. The FED knows that, that's why they are buying such huge amounts of T-Bills that make the market charts defy all logic and baffle even Pimco. The FED has unlimited buying power to bankrupt the bond traders. Keep the stock market high so everything looks hunky dory with cheap money and screw bond yields and the retirees who have their money in fixed returned investments.  Free market supply and demand only applies when the banks are in the cat bird seat.  When their profits are on the line they socialize their losses and privatize the profits.

I had job after job over the years, I was a tool and die maker, carpenter, airline reservations systems computer programmer, and even worked for a few banks briefly.  But it seemed in the end, it was Wall Street driving me to make career change after career change.  All I wanted to do was work.

When I was in England on contract to a consortium of Airlines during the late 1980s I began buying every economic book I could from a store that specializes in that in The City of London.  I used to tote hundreds of pounds of glossy hardbound books from contract to contract around the world.  If only I had a Kindle and e-books or PDFs then!  I learned Gantt Charts, Chinese Candle Stick Charts (invented by the Chinese to profit from tea price changes), Elliot Wave Theory - Bob Beckman and Robert Prechter became my heros.  Later learned what they were dealing with was a fractal pattern generated by fear and greed.  Wall Street (and the FTSE too) ran on fear and greed.  They've always openly admitted that. Nothing hidden there.  Never quite set well with me, for people always seem to match the lowest expectation set of them.  But it was what it was, and economic system for the semi-conscious to make sure they remain semi-conscious by appealing to their lowest vibration of consciousness.

I knew from Elliott wave theory that comets, astrological events, affected markets.  I didn't know why, but the effect was apparent in the charts. The data proved it.  The religious holidays and holy days around the world also seemed to influence price patterns.  I knew the patterns themselves were an oscillating pattern of human emotions, the euphoria induced by greed, and the panic induced by fear. The books said the ideal investor was said to be one devoid of emotions - which is why I never invested heavily in the market because I know I have very deep emotions.  Know thyself before you invest.  For the same reason I rarely gamble. But still I continued my financial reading hobby because I was learning some things about the world. Hidden things. I knew for example the stock broker is not your friend, he's your adversary.  He's trading opposite of what you do and more than likely he's rotating his old stale lettuce out to you.  I also learned from watching the financial TV shows at the time that by the time they recommend you buy something they already have their short positions in place.   Same goes with the "investment advice" on buy, hold or sell from the big banks. You think they they are going to tell you to sell something they have in their portfolio?

I watched the professors at Harvard discuss how awful it was that Airline employees were well paid, that pilots were no more than glorified bus drivers and that flight attendants were mere airborne wait staff.  Never mind the fact that all those small airlines around the country provided a good service and well paying jobs in many smaller cities.  Funny they never mentioned that perhaps professors were over paid? Where's the study on high costs of colleges these days?

I saw Frank Lorenzo, who was married to Rockefeller, take those Harvard professor papers and go and do vulture capitalism on Eastern Airlines and Continental Airlines.  I worked on computer systems meant to book flights on Eastern Airlines from Continental Airlines should the employees in Miami every wake up to what was really going on.   He came into our office once.

I saw the airlines rape themselves of profits by inventing frequent flyer miles (those never turned a profit), and then get so indebted to banks and so saddled with heavy jet fuel bills from big oil that frequent flyer miles became the credit card perks of the banks who have their long sucking fangs in the fuselage of Airlines.  Can't run an airline without capital and running cash.

I saw people at American Airlines insert binary hand coded patches into their reservation system to divert ticket sales from smaller airlines and onto their own planes, and when audited, the source code would never show those tweaks to the reservation system.  Could never be proven in court. There was no audit trail of the changes. Robert Crandall was one ruthless man.  There was an entire room of these guys three stories down at the Tulsa airport behind retinal scanners and 2 foot stainless steel vault doors doing that kind of thing.  Perhaps the most secret job there.  American Airlines was never profitable since deregulation, it made its money on its Sabre travel reservation system until the mid 1990s by sucking out booking fees from the smaller carriers.   Once they all died off they began bleeding money.  The parasite killed its hosts.

These things are not limited to these companies, you have all seen similar things in other businesses and government.  The squeeze hits, and everyone tries to be the highest rat on the flagpole of a sinking ship. Nobody asks why the ship is sinking and why they pay CEOs so much to loose so much money. It really seems to me there was a concerted effort to cause losses, increase debt, lower salaries and concentrate control of the small profitable airlines into fewer and fewer companies.  The popular account is that they were companies who had bad business models, but that's untrue.  They were small companies who were eaten alive by predators with good PR departments.

I saw Alan Greenspan announce that the dot-com boom was "irrational exuberance  just as it got started (causing yet another career change for me) crashing everything. He then proceeded to fund the most outrageous irrational exuberance the world has ever seen in no-doc loans in the housing industry that would nearly bring this nation to its knees, yet he has never been brought to trial.

And then there was the lost 8 years of hell on earth under George W Bush.  I really thought this country had gone completely insane with blood lust.  I think I lost my will to even live. I did die in 2009 and got sent back here (wasn't my time I suppose) and wouldn't be here now if I hadn't been shown incredible love by some dear friends, nursing staff, and loved ones during my recuperation from blood poisoning caused by MRSA. Septicemia is no fun.

We all saw Ben "Helicopter" Bernanke lobby congress for $700 Billion for rescuing home mortgages and then not give them any of it.  I saw that from my ICU bed.  Thank God for Jimmy Fallon, the only cheerful show on TV at the time I was in ICU.  Seeing the banking system crash is not something that makes you want to live.   Nobody ever paid any penalty for all those lies told to the public.  No charge of perjury in court.   Nobody even lost their golden parachute.

Thanks to Ron Paul's Audit-the-FED move, we learned 14 trillion went to overseas banks that was not even mentioned to the public.   Steal $500 from a 7/ELEVEN and you spend years in jail.  Crater an economy and you go on the public speaking tour circuit.  There is no justice in this land because you don't own it or the courthouse and you are not a party to the US Constitution.  Judges sell convicts to for-profit prisons. Want to know why marijuana arrests are so common?  They are non-violent, make good workers, and they know how to grow things.   And you expect these people who don't do justice to implement NESARA?

We are now witness to  the fratricide of the banking cabal.  The Texas camp and their secret extension of the German Nazi space program funded unsupervised and undocumented by drugs and murder and their threat to the three other factions, the Chinese royal families  the Rockefellers with the Oil and Coal, and Rothschild funded Global Warming scam to push their Uranium ore holdings up in government priorities over the Rockefeller camp fossil fuels.  

In February of 2012 I noticed a lot of bankers getting fired or resigning. The reasons stated were varied but the prominence of the names didn't escape my notice. And there was so man of them! I've been watching these things for sometime.   I never saw anything like it. For a while I thought maybe it was Fulford's dragons, and that may have been behind some of it, then I thought it was Neil Keenan, until I saw that was just another manipulation and the law suit was far too small to account for the total wealth stolen from humanity.  Then there was the Spire Law lawsuit, which I have heard next to nothing on since it was filed but that was only 14 times the Keenan suit.  Keenan became suspect to me when Fulford informed me Keenan had named dropped several key CIA drug running names in Asia to Ben, making Keenan a likely operative in Bulgaria where he lives.  The video promoting Neil as the chosen wonder boy of Indonesian chiefs was so saccharin it could only be agency sponsored propaganda.  Yet still something was changing.  Swissindo is after all, UBS Bank, the Bush camp banker. Credit Suisse is the choice of the Chinese.

Yet I could see it, feel it, something was going on behind the scenes.


David Wilcock pointed out that the hidden hand of the markets was the House of Rothschild stated in code.  There seems to be some requirement by Source that those who play the role of the dark side always have to state their intentions, but being who they are they usually do it in code.  In movies, in symbols, sometimes even in reverse letters or some other word game.  Now Source requires they do it in complete transparency, and they don't like that one bit.  Consciousness is not profitable for them. Neither is honesty.  Nobody will consent to this abuse knowingly.

There's also a requirement to give notice to those same folks when their time is up.  They have had that notice and are now into overtime.  What began as a contract with the children of Source to experience what it would be like to be (if it were possible - even now a link remains) to be separate from Source.  A convincing illusion was created, so convincing many forgot the true reality.

Some chose to go through it unconsciously, some did it consciously.  Some played a role of the light, some chose the role of the dark.   There's an old story in India that even among the angels the roles were agreed upon but there was one role nobody wanted, to be anchor for the dark polarity in the illusion - to be the one everyone in the light would hate and fear (for there is only light and love in Source) and the awful burden of being the one the dark ones chose to exalt.  One angel stepped forward and said "I will do it on one condition, that you love me when the experiment is over."  The other angels asked why the angel would ask for that condition. They could not conceive of not showing love to another.  Love is all they had ever known.  The angel replied "so I can find my way home".   Perhaps even the angels were caught up in the whole experiment of duality?  Scripture speak of a war. Did it leave anyone untouched?  Food for thought.  We may not know the complete story until every one has absolute remembrance.   The duality certainly didn't leave the higher densities/dimensions below the angelic realms untouched, they are every bit a part of duality as 3d earth is, they just haven't realized it until recently.  That's why they were called here, so they would know. And remember who they BE.

Darkness is just a closed heart away from Light.  All is Eternal Essence. There's only ONE of us here. There are many view points, that's how Source comes to know itself.

If this ancient story about the arch angels is true,  it may be that even my most basic assumptions of from my Christian version of cosmology is wrong at its core premise. My own Christian views were just one side of illusion that depended on the reverse for its identity and validation.  Its not unlike what we see in so called "light galactic forces" who think they can annihilate the "dark ones" or the "dark ones" exterminate the "forces of light".  Its Duality.  Us vs Them.  Nobody gets out duality trap by more duality. Duality is a mutually co-arising system within the Oneness.  Buddhism addresses this kind of mutual co-arising from the stand point of oneness. The ying-yang symbol within the circle points to that.

The various densities of existence are simply a recursion of energy structures from the lowest density to the highest with energy moving upwards. It could not be anything else if its true that "so above and so below and the reverse is also true. Basic frequency entrainment. Every musician understands it. If you consider it, it says the 3d world eternal hearts have been powering a lot things!  How's that for intrinsic value?  Still feeling worthless?  Why is it they kept you ignorant from all this? Why? Why are we so preoccupied with survival in a universe of scandalous abundance while living on the most vibrant planet in the galaxy?  Perhaps so that you couldn't even ponder these things?  Banking is just an energy transfer system from the lowest social castes to the higher and eventually to the beings known to the banking elites as "the divines", those who give the orders to the bankers, the militaries, the Government leaders.

What the divines are is not completely clear, but they have been posing as St Germain, Ashtar, and other beings.  Seems to be a bit of celestial identity theft going on.  We know St Germain to be a currently incarnated 3d human, Native American at that. The Chinese and 3 letter agencies know too.  He too is undergoing his own awakening. There's been a lot of non-AA Michael channelings too, Dear heart.

The experiment doesn't end by annihilation of either side, its not in the contract that was signed at the beginning for that to happen.  Everyone wakes up to who they are, or they lose embodiment by choosing not to and return to Source for re-issue in another embodiment in a circumstance of Eternal Essence.  Either way the result is the same.  The contract is enforced by Source.  But first everyone comes into remembrance, then the choice is made.

What started in heaven wraps up on earth and echoes back into complete Oneness.  Lower frequencies always entrain the higher ones, change the lowest one you change all above it. As below so above. That phrase usually stated stated in reverse order, but then the illuminati invert every principle. 

A duality was created from top to bottom in this universe and heaven was declared the top and the earth was declared the anchor of the dark illusion.   What's happening now is the illusion is going away.  No limits except for what you put on yourself consciously.

Its to the point now where everything collapses on its own accord, its mathematically impossible to pay the national debts off, and they are not the citizens debt anyway, its the corporate governments debt which the bankers own and operate.  So what to do?  Well the Chinese funded the whole damn thing with their gold to begin with as Wilcock clearly showed (which by the way is just the repository of years of gold pilfering around the world, if anyone owns its the aboriginal people of Latin America, Africa and other lands like Southeast Asia).  The Europeans want to "phoenix" the existing systems by hypothecating gold and re-aging existing debt paper under Chinese gofuku (Chinese kimono).

When will they wake up?

Pretty darn soon.  The experiment is over.   The last card was played.   And it looks like this....

The designers over at OPPT-IN.COM created these "missing Illuminati game" cards that should have been in the curious game by the same name.  Its a freakily spooking set of game cards, even predicting 9/11 before it happened.  Another case of them telegraphing their intentions in code?  

The controllers should have chosen the one below, but in a way they have, just a different and perhaps more dramatic route to the one below...  Ah...just like the movies, the bad guys hang on to the end, kind of like Bonnie and Clyde... they just forgot they were playing a role and they made the mistake of believing they really were the role they played and not Eternal Essence.  Still either way they find out... and it might not just end at jail time...  They played the game of extracting energy from others, rather than drawing the energy of Eternal Essence within.  They've done it so long they can't remember who they are...or choose not to...  perhaps there is still time before they go too far... stopping an inch before the cliff is still avoiding the cliff... will they?

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