You Are About To Discover The Insidious, "Downright Dirtiest" Truth About The UK Finance Industry As Never Revealed Before!

The poor average consumer is being plundered, robbed and stepped on -  stripped of his cash and 'left for dead' by merciless, "legalized" loan sharks...

From The Virtual Desk of James Freeman:

Martin (office worker, 43) wasn't late for the train that morning. This time he met it head-on, taking less than a tenth of a second to forever obliterate that overwhelming pressure and burden of debt clean from the face of the planet.

Julia (college student, 24) was keen to learn and full of potential. Her final thesis on the principle of 'Cause & Effect'  involved a three second decent from a tower block, killing her instantly as she hit the concrete below. Her escalating personal debts were wiped clean from the pavement ...  into a body-bag along with her broken body and little pieces of shattered skull.

I wish I could say right now that this was creative ad copy or an item of sensationalist fiction  created purely for effect and to provoke. If only. What you have just read is a hard and brutal slice of reality. It happens every day - people are "pushed" further and deeper into debt until they don't know what to do or where to turn.  Debt is a serious business.

Whilst you or I may not be able to fully comprehend the actual degree of financial pressure needed  to "push" a good person into the path of an oncoming train or off the top of a building (could life ever really get that bad?), a greater shock still comes from an equally hard and sobering fact. That being:

If you owe money to a financial organization right now (particularly one of those high interest 'fast-cash-secure-it-against-your-car' kind of deals), if you are struggling to pay your monthly expenses on top of your repayments, then that is exactly what was intended and exactly what you were 'sold' in a major global credit scam.

I'm going to explain the business model for you and show you exactly how it works. I'm going to show you how these finance companies ...

People will likely understand the word that got them into a big, sorry financial mess as "credit".  And if that is the understanding, that would have to be the first point of education right there.  Wise, calculating Money-Men have always confused with doublespeak.  Credit has good connotations and is simply this: a period of deferred payment upon good intentions. It's an earned privilege and customary throughout business.

"Credit" in the finance world, on the other hand, has never been or has never meant anything else other than the cold, hard product of revenue generating "debt" - but yet they don't call it that.  Of course not - to sell a product it has to sound appealing.

But how appealing do these terms now sound when substituting "credit" for "debt":

‘Credit’ is is a very cleverly disguised, highly profitable and aggressively marketed ‘product’ - a product with recurring life-debilitating qualities attached to it for as long as it's in your possession.

When you switch on your TV, or open a magazine, or walk down the high street, you are not being offered credit. Financial institutions do not sell credit. Their whole business is the business of ‘debt’. They promote, offer and sell debt.

As corporations, banks and financial institutions exist for one sole and legal financial duty: to maximize returns to their shareholders. The fact that they'll throw up 'white-knight-to-the-rescue' marketing banners and run TV ads masquerading under the pretence of  "help", with big friendly smiles and open arms, demonstrates just the level of deceit that they'll go to. Financial institutions will resort to any means necessary to coerce consumers into buying DEBT  - a product of absolutely no net worth to a single soul.

Behind these deceptive veils of marketing message and image, the true face of the finance industry is one ugly Mother!

This is the ‘back-end’ product to credit. Strictly speaking, if a person ‘needs’ to borrow money they are in a state of what is called ‘negative cash flow’. This simply means: A situation where income is less than required to cover expenses; or the situation in which expenditures required to maintain an investment exceed income received on the investment.

Banks offer credit as very much a ‘buying convenience’, but know that people will use this convenience as a safe guard to cover periods of negative cash flow. The problem starts with negative cash flow. Tell me: would you invest or buy shares in a business that made no profit? Would you lend it money if that loan was not likely to contribute in generating more profit over and above the initial loan amount? Banks won’t lend money to businesses under these circumstances either.

But banks will lend money to individuals (‘personal’ credit) under the very same financially negative circumstances (due to do different legal implications on ‘debt recovery’). Banks will lend consumers this money because 60%  will opt to make very expensive “minimum repayments”, and/or eventually need to purchase one in a whole array of other products on offer, disguised under one basic category:

This truly is a deception. Financial institutions use the negative word ‘debt’ to describe the problem whilst offering the solution (more money, more debt), which they positively call ‘credit’. 

You recognize this fully as a scam when you look at what has actually happened here. You can’t manage your existing payments, so you need to consolidate all of your debts and pay one small monthly repayment. So you take out a ‘consolidation’ loan. In doing this, you’re now ‘locked in’ to the same debt at higher rates of interest over a longer period of time!

The financial institutions make more money because you can’t, and never could, afford to borrow the money in the first place. Many people will end up paying expensive, bare minimum repayment amounts on their loans for years before finally having to look for further credit.

Consider that many people during the periods of unmanageable debt will very likely incur a number of negative credit report strikes – late payments and arrears, dishonoured cheques, missed direct debits, unauthorized overdrafts etc. Therefore people with unmanageable debt are forced to take the highest rates of interest, based on algorithmic calculations of ‘risk’ in direct ratio to the degree of negative strikes. The problem compounds and the con escalates to the next level:

Sub-prime lending really is in its own reprehensible category. Finance like this truly is a beast. But it is a simple beast and very easy to understand.

Unless one has guaranteed funds (in the bank) to repay the loan within 7 days...

Ah, but it's different when a person really NEEDS financial help for an emergency - right?

Wrong!  This is the trap. Borrowing money from an exorbitant, high interest lender is like trying to cure a headache with a hammer. Borrowing money under the circumstances of negative cash flow will very rarely ever fix a crisis but merely compound it. The most it can do is delay that crisis for a borrowed period of time.

People will take out the high interest loan on the 'idea' that "such and such" will come off in a couple of weeks and then they'll "be alright again."  But for most people things will really will NOT happen like this.

You have to remember, the only reason anyone takes out a loan is because either due to a lapse in income or an increase in outlay, they wish to spend more money than they have  physically earned.  That's the reality. The only reason anyone takes out a 'high interest' loan is because they equally wish to spend more than they earn but are also now in DESPERATE need to do so!

ALL loans taken out under these circumstances therefore carry exceptional risk - you are spending more than you earn. Only discipline and strict adherence to a financial plan is going to see the full and successful repayment of the money. Financial institutions fully realize this fact. They also realize that most people looking for a loan are in that loan market because they are "irresponsible" with money.

Doing the same thing which got you into the problem in the first place (NEEDING TO SPEND MORE MONEY THAN YOU EARN) not only NOT fixes the problem, it COMPOUNDS IT. Unless you fix the other side of the equation, you're in a fast downward spiral.  You'll always be in debt and you'll always need to borrow more money.

BUT THAT IS THE TRAP.  And it is a trap. I'm not using this word 'trap' because it reads nice within the sentence.  IT IS A GIANT TRAP.  You simply have to fix the finance equation:

Earn More, Spend Less = Net Disposable Income.

You simply cannot thrive and prosper upon the strategy of earning the same as usual, spending the same as usual and borrowing money to cover a shortfall.  In this equation there will ALWAYS be a shortfall. You will always owe simply MORE AND MORE MONEY!

This escalating financial adversity is easy to fall into purely for the manner in which lenders advertise and market "financial help", encouraging you to solve you debt problems with more debt.  And once you're in it, financial organizations will exploit you and punish you for your simplistic level of stupidity.  They'll take everything they possibly can from you and they'll do it mercilessly.  Even it bankrupts you, puts you in ill health or even kills you - they really do not care less!

Borrowing money should only ever be done on one premise only and with utterly no exceptions to the rule, ever. And that is:

To use as Profit Venture Capital, investing in guaranteed ventures with an ROI proportionately over and above the TAR (Total Amount Repayable) on the loan. Banks do precisely this and they use high street investor’s money to do it. The banks will negotiate over 200% + ROI knowing that all they are paying back is a measly 7% tops to the poor fools who bank with them not knowing any wiser. 

The only other way that 'borrowing' money could solve your problems is if you could somehow find a way that meant you didn't NEED to repay the loan.

I'm going to show you exactly how to:

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