Speaker 1 Good evening, everybody. Well, warm welcome to this Thursday evening. Thank you for joining us. Lovely to see all your faces. Lovely to see so many of you. I hope you've had a good week so far. This is our, I think this is our fourth night on a trot, Simon, where we've actually spent time with our members. What's going on? What's going on? Great. Okay. Well, tonight you're going to learn a lot about payment reclaims, the all component parts, why it works, how it works, all that makes it work. Okay, and you're going to be knowledgeable by the end of this and fully, hopefully, fully understanding what it's about and how it's going to enhance your life. Okay, just before we start, it is worth reminding you all that everything we do in ETP is for educational purposes only. We do not provide legal advice. We do not provide financial advice. We do not advise at all in any capacity we always say do your own research you've got to become diligent in fact equity does not aid a volunteer and equity does not aid those who are not vigilant okay that's one of the maxims so it's really important that you research these things out for yourself and become fully conversant in in them especially if you're going to be inviting others to come into this as well because they need to know and you know we need to help others to grasp the comprehension as well now we can't be responsible for anything that you go on to do as a consequence of this education so there is no recourse and we reserve all our rights. So tonight what are we going to go through? We're actually going to have Simon taking you through this whole presentation and I'm so grateful because he's got, he's a master at this. So Simon I'm going to hand it over to you and let the members know what you're Speaker 2 going to be doing tonight. Okay well let's just go through this, we'll go through it logically so that anyone who's not familiar with all the all the component parts can actually then pick it up as go along. All right. So yeah, if you want to start with a slide, Simone. Right. Okay. So if you weren't aware, there are different types of money. Okay. So there's what's called money of substance, which is gold or silver. There's money of exchange, which is paper, because you can pass it around by hand. And then there's digital currency. Digital currency is actually just a digital accounting okay so in other words if you imagine that accounts were once or records were once kept by the quill and paper actually the records are now kept in digits on computer screens and digital currency cannot actually flow it cannot move in other words or in actual fact if you go to a banking dictionary the definition of the word payment is as follows an adjustment of the accounts which does not necessarily involve the transfer of money in other words it's the old magic trick. If I've got one of those little fluffy marshmallow type balls and I've got one on the table and I then say, right, look, what's this? I put a cup over that and then I suddenly pull the marshmallow ball out of my pocket. It makes it look like the ball jumped from under the pot into my pocket when in actual fact, all I've done is I've hidden the ball on the table and I've had another ball already in my pocket. So this is what they kind of do with bank accounts. They debit one account and they credit another account and it looks like it's flowed from one bank to another or from one account to another in actual fact all they did was adjust the accounts digits on the computer screens do not actually travel down telephone wires or anything like that okay instructions might but the actual currency the actual digital currency does not so lawful money would be described and in fact JP Morgan described money as gold and he famously said that everything else was credit. Now back in 1928 I think it was, although the act's not on the screen but it doesn't matter, but in 1928 the government over here in the UK, I say here in the UK, the government in the UK or the government of the UK actually began to stop people being paid in gold or silver and there was a bit of dissatisfaction with that among the workforce right in fact there there were one or two riots and people began to distrust the banks, shock horror. So much so that come 1931, there was actually a run on the Bank of England. Because for anyone that cares to look at a bank note, you'll see that little promise, I promise to pay the bearer on demand the sum of, and that's a promise to pay weight of gold. Or it certainly was way back when, you're not going to get gold nowadays. And that's because following the run on the Bank of England, the government stepped in to actually sever the ties between the receipts for gold and the gold itself. Now, why did they do that? Well, they did that because the Bank of England had been issuing receipts for gold that it didn't have. And if you check out in a law dictionary, the phrase promissory fraud, you'll see that promissory fraud is issuing a promise, which you have either no intention or ability to fulfill. Okay, so in other words, the Bank of England had been issuing fraudulent notes, They weren't backed by anything. And in order to prevent the Bank of England, or should we say the, I guess it's the board of the Bank of England from being shown to be a bunch of crooks, the government stepped in and illegally tabled an emergency motion, labelling this emergency motion as a national emergency to sever the ties temporarily between the gold and the receipts for the gold. And that temporary measure was passed in 1931 and it's been given the bill title of Bill 227 or Bill 227 or Bill 277, depending where you look. And you can't actually find that Act of Parliament, or at least you certainly couldn't for a considerable period of time. You couldn't find it online. I actually had to travel up to the Houses of Parliament to go to the Archive Department to get a copy of it. So there are certainly copies flying around now. But in 1931, a temporary measure to sever the ties between the receipts for the gold and the gold was passed over on Blighty. In 1933, the United States did the same thing. They severed the ties between the gold and the receipts for the gold. And in 1934, a little game called Monopoly was created. In other words, people were telling you there's something wrong. And in fact, that's not the only famous game where there are banknotes to show as being, as we would call it nowadays, monopoly money. It's not real. In fact, there were lots of fake notes created by people, kind of toy notes. And in fact, we actually have one. I'll have to get this sent out to you guys. We actually have one. I found one online, which actually had IOU written all over it. And it was a note that you could obtain from a toy shop, okay, where people were actually teaching the kids and making quite clear. actually I think it might have been a joke shot, but they were making quite light of the fact that you know the notes now were worthless, it wasn't money and people weren't happy. But then by chance or coincidence, and I love the word coincidence because the word coin and the word dense is in the word coincidence, but then by coincidence of course you had the Great Depression which then diverted people's attention from what had happened with the banknotes and they were now concerned about actually surviving and eating and so on and so forth and then of course that was then followed up by the second world war which then wiped out an entire generation of people that may have been aware that at one point in time there was gold back in the notes and of course nowadays um as we're probably all aware following the war on the fictitious virus that is covet 19 they're now trying to do away with the receipts all together so of course the last piece of evidence would disappear right so let's get back to this money of substance um the game itself the game of monopoly or what I call the econ no money, the economy, fell into bankruptcy, or should I say the banks fell into bankruptcy to be more precise, when they were unable to honor the debts that they owed to the people. In other words, they were unable to actually fulfill the receipts for gold. And so in effect, they were trading insolvently, they were bankrupt. They entered into the bankruptcy, because bankers like to operate on the high seas of commerce, dealing with currency, and of course dealing with insurance so um as we know um based on the fact that the gold disappeared from that point onwards banks could not actually lend anything they could only promise to lend something which is amazing how the government still seems to have been tricked into paying back the national debt or this alleged national debt when in fact they're being they're receiving a promise to pay it so you know so the bankers promised to lend the government some money and they promised to pay out on the notes and then we will have to actually physically go out to work expending the most valuable commodity in the universe which is time in order to receive more promises to hand them back to the bank plus interest for a loan that never was brilliant okay as i'm sure we're all um we all agree absolutely fantastic an amazing system there um and amazing politicians to look after us and take care of us and ensure that we're not being ripped off yeah so um obviously i'll do with the cynicism there and the sarcasm um the point is that there are no there's no such thing as money the bank notes which are mere promises to pay money are evidence of the debts owed from the bank of england to the people now a promise to pay okay let me make this clear a promise to pay or promise to do something is what is otherwise known as a security so let me elaborate on that point if you and i were to enter into a contract okay so i say that i'm going to build you a brick wall and you say that you're going to make me some some lovely dinners to pay me back for that. That contract consists of two promises, all right? Now, let's say that we make those promises by way of oral contract. You may or may not believe that I'm gonna fulfill my side of the deal if you make me dinner first, right? But I tell you what would make you more assured of my performance. In other words, what would give you greater security that I will perform? That is, if we put those promises in writing, that's gonna make you feel a little bit more confident that I mean business and that I'm gonna do I say I'm going to do hence the fact that we quite often will enter into contracts and put it in writing okay so that we both know what each side's got to do and we both are assured or provided with greater assuredness of the performance of the other party and if you want to flick onto the next screen I suspect that the definition of the word security is probably going to follow Simone lovely there we go security so you've got a couple of definitions there so for example under Black's law collateral given or pledged to guarantee the fulfillment of an obligation is a security but if you look down at the second quotation it's something which makes more assured in its payment or more readily recoverable so anything that makes the money or the promise to be more precise more assured in its payment or more readily recoverable and a more generalized definition that we have over at you and your cash is that which provides greater assuredness of performance is classed as a security so every promise every banknote is not money it acts like money it performs the function of money but it's not money i call it currency people might call it a cash but in essence it's actually a security so banknotes are in fact a security okay now um just to just to get on this point of you know it acts like money it performs the function of money but it isn't money let me give you a brief example um when i was little we used to go over to the park and i used to go and play football with the lads okay it was amazing you could have about 25 kids each side playing this game of football and the pitch would be massive and the goal posts because of course we couldn't erect goal posts we'd take a couple of jumpers and we'd throw them down and they were the goal posts for this massive game of football now question and you don't need to answer this but in your heads you can answer it are the jumpers that acted as or performed the function of goal posts were they actually goal posts no they're not goal posts but they were performing the function of goal posts okay so notes or securities or cash performs function of money but it isn't money okay that's for the benefit of those that are not familiar with these kind of um these kind of um concepts as it were so simone if you want to click to the next screen okay so um let's just make something very very clear in the game of monopoly that's the system um i mentioned this um on one of the meetings uh during this week but if we look at the crown corporation okay the crown corporation is a marriage between the legal system and the All right, they are intertwined. The rules of banking are inherently entwined within the legal system. And here's an example, the Bank Charter Act 1844 interpretation section, sorry, section 28. So I think this is in the interpretation section. So we've got here, look, and the term banker shall extend and apply to all corporations, societies, partnerships and persons and every individual person carrying on the business of banking, whether by the issue of banknotes or otherwise. So let's go back to our example of the boys playing football over the park. While those kiddies are over there playing football, while I was over there playing football, you know what? I felt like a footballer. I was a footballer. I may not have been a professional. I may not have been any good. Well, I mean, I was brilliant, obviously. But the point is, while I'm playing the game of football, I am a footballer. Okay. Now, while you lot are handling banknotes, receiving checks, issuing checks, paying bills, accepting bills, you are performing the function of banking. You're the business of banking. You're engaged in the business of banking. You may not be a good banker, but you are a banker, nevertheless. And of course, the real top love this. They love the fact that you're getting involved in the game of banking because they've been perfecting this game for hundreds of years, if not thousands of years. Whereas you guys, most people, until they get into all this kind of study, most people are not even aware that they're engaged in banking work. They're not even aware that banking work is subject to the law of the sea and not the law of the land. You're playing with the law merchant now, right? So they love that. Just like the experienced poker player, the professional poker player would like some naive, wet behind the ear gambler to come and take a seat at the poker table and risk everything, their house, the whole lot. The professional is going to love that. Why? Well, because the professional is quite confident that he's going to be able to take your house from you. And the same applies in the world of banking, as I'm sure we're all aware. Now, in the legal land, which again is entwined with banking or the banking rules, in legal land, in legal academia, the straw man acts as the agent for the man or the woman. Now in agency law an agent is not responsible for their actions okay they might be held responsible by because they're in a position of trust they might be held responsible by the man or the woman for whom they represent or for whom they act but when dealing with third parties the agent as long as they reveal that they are an agent for a principal or for the man or for the woman as long as they reveal that and disclose front, then the agent binds the man or the woman or the principal for whom they act. And so in legal land, it's a massive convenience that in legal concept and in legal academia, the straw man acts as agent for the man or the woman. But in reality, the straw man can't do anything because it's just a concept. So who is it that brings the straw man to life? Well, of course, it is the man or the woman. So on the one hand, the straw man from legal perspective, the way they would have it is that the straw man binds the man or the woman through agency but in reality it's the man or the woman that brings the straw man to life and therefore it's the man or the woman that actually acts as agent for the straw man now if we look at that relationship as a whole we've actually got a circle you're going around in circles that's a circle of trust hey therefore the straw man could be looked at as being a trust but we'll put that to the side the important thing to understand is that we are acting as the agent for the strategy and everything we do is through that entity to get onto the trading platform that is the United Kingdom. That's what it is. Each state is in fact, and I'd like you to look at it or think of it as being a trading platform, a conceptual trading platform utilizing the rules of the sea. That's all it is, right? And when you register the birth or when the birth is registered, you're being signed up to abide by the rules of that platform and you're going to operate on that platform it's not the only platform we can create other platforms but it's the platform that for the moment we're all operating on okay if you want to go on to the the next slide we'll have questions at the end of all this by the way people so if you've got any questions note them down on some paper and then we can come back so you will have an opportunity to ask some questions now when we're talking about currency and we're talking about the system and we're talking about the guys that conceptually created the legal system conceptually or through practice created the law merchant it stands to reason that you know those who were expert at doing these things when they kind of when they either create the system or when they roll it out to all of the peasants which is basically us lot what they think of us it stands to reason that they are going to potentially hold something back if they wish to profit over us or they wish to they wish to keep an upper hand or they wish to you know be more knowledgeable than us because knowledge is power so it stands to reason that they either keep something back from us or it stands to reason that they will create um a system with loopholes or with back doors just like an IT a computer programmer would create software and put in a back door now IT professionals put back doors in so they can go in and correct things or so they can have easy access to certain parts of the program bankers and legal bots if they were so inclined would create loopholes or backdoors so they could enslave and or propagate their true underlying desire and that true underlying desire may or may not be for nefarious purposes it may certainly it certainly appears to be for nefarious purposes but actually um as i might come on to later you know there are one or two films that make suggestions and certainly i've considered for a long time myself that you know it could well be that this um what we would consider hell on earth has been created to actually see to actually test you to see whether or not you are worthy of the gift that's been given because i would suggest that there are a lot of people out there that are not worthy of the gift to be quite frank with the way they conduct themselves um if you look at you know some of the violence that goes on some of the way that people get treated um you know there was certainly a line of thinking that you know even if you are tempted to act in a certain way um the tempter is not the guilty party it's the tempted that is always the guilty party but we can come on to that in other discussions the point is that the system has been created in such a way that certain parties know how to benefit from it and how to use it properly and those are the parties that created that those are the parties that are the professionals and the professionals don't go out necessarily and obtain more and more and more currency albeit the fact that they have the ability to do so because they have a lot of currency at their disposal they can set up companies and they can own companies and control companies and control vast wealth and have other people working for them, what they tend to do, and certainly the bankers in the banking community, what they do is they recycle their currency because they understand that a fundamental principle of the universe is that everything must return to source. And depending on what you believe, that's the journey that we are all on as souls, as our spirits. We're all on a journey back to source eventually, right? Now, let's have a look at this in nature because, You know, in nature, this is kind of demonstrated. And the perfect example is with water. So we look at the ocean and the sun heats up the ocean and water particles will rise up into the air and form clouds. And clouds are then blown over inland. And as the cloud comes up towards a hill or a mountain or something like that, so it will then release all the water particles. And then we have streams and the streams become rivers and the rivers join up and go into the ocean. And so we have a full cycle. It returns to source. OK, we could even look at ourselves. We are apparently from the earth. And yet when we pass away, ashes to ashes, dust to dust, do we not return to the earth? So the concept of recycling, things being recycled and going back to source is all around us in many forms. But there's also another important concept when it comes down to banking and the creation of securities. Because whenever you pay a bill, what you're actually doing is creating another debt, as it were, or in many cases, new cash, a new security. And albeit the fact that we predominantly deal with digital currency, each digit of digital currency represents a promise. It actually represents a promise. So even if you think you're paying a bill digitally with a transfer of funds or what you think is a transfer of funds, actually what you're doing is creating another promise. And where you're making a promise, you're creating a security. Now, the maxim, he who creates owns. If you pay a bill, you've created a new security. If you created that security, you own that security. Everything must return to source. And here in we have the principles which underlie the recycling of currency. OK, now, where are we? We've got one example here. So, I mean, I think someone's put this quote from the Mercantile Law Amendment Act. And this relates to if you deposit a security with a lender, you know, something with a lender as a security for a loan. Right. So in other words, you know, when a surety who discharges the liability, they're entitled to an assignment of all securities held by the creditor. So in other words, if someone discharges a debt, if you discharge your own debt, you are entitled to a return of all the securities, which should give you some kind of inkling as to what you could play with the mortgage facility or an unsecured facility. You're entitled to those documents back, which is a bit difficult if the mortgage company or the bank has sold the documents. But it kind of emphasises the fact that even in their rulebook, legal and rulebook, they acknowledge the fact that things must return to source. All right. So if you want to flip on to the next slide. Okay. Law of Admiralty, according to some sources online, has been around for almost 3,000 years. These guys have been perfecting this for more than 3,000 years. Okay. Where are we? So we looked at this the other day. Actually, we found this quote. I'm trying to remember what it said, actually, without reading it. So I'm just quickly reading it while I speak to you. That's right. We're talking about salvage. Three years, isn't it? It is. It is three years. So there's a basic principle of salvage, which is that in law merchant after three years. OK, things can be claimed under salvage. In fact, this is a principle of the currency. When you when you pay a bill, banks actually operate to what they've got to entries. They've got to go to the debit entry and the credit entry. And please forgive me when I say double entry accounting. they screw you twice double entry so what happens is you're paying out a bill you're getting a corresponding credit entry is being created now you may send that bill off to another institution or to someone that banks with another institution and likewise when that entry hits that bank there's going to be a debit and a credit created there has to be because it always the books always have to balance okay each side so when you've created this debit on your account there's a corresponding credit well where does that credit go with the bank that you paid it from where does that credit go what happens is that those credits are still spendable right it's private currency as it were and it's kept private from you and what you are supposed to do is you're supposed to claim those credits you're supposed to claim the value of the securities that you created so that you can recycle the currency now of course you didn't know some of you may have been aware of this But a lot of people, until we actually come out with this information, a lot of people are not aware that this is actually happening. And so so who keeps these entries? Well, these entries are on the books of the bank. Who do you think keeps them? If you don't come in to collect them or claim them, and if you haven't been told by the bank that they even exist, who do you think claims them? Well, of course, it's the lovely banker. The banker will claim them. They'll gladly hoover up all of these digits for you. And this is what to some extent is potentially funding private equity firms. because it's private equity that's just been created. It's on the private side. It's sitting there in escrow and they wait and they just bide their time for you to come and claim it. And they're confident that you're not going to claim it because you don't know the rules of the game. You don't understand double entry accounting. You don't really understand banking, albeit the fact you're engaging in it. So they sit back and they wait. They've got all the time in the world. They've had 3000 years to play this game. But the change came with the change in the money, when the money of substance disappeared. That's when the real change came into play. And that's when double entry accounting really came into its own. Because now they were really able to play what is in effect a cooking of the books. They're taking advantage of the books. They're taking advantage of our ignorance. So this is what they're actually doing behind the scenes. They are claiming what you're not. Now, let's look at this in reality, as it were. We're going to be coming on. I think if you want to click the next one, we may well come on to abandonment next. I think that will be due. that kind of makes sense with the flow of it um if you remember in the film i don't know if you've all seen dances with wolves right kind of reminds me of my childhood um the um it's a joke by the way um the guy kevin costner's out there with the native american indians okay and he ends up he's on his own he wants companionship and he's not an aggressive guy he goes out and befriends the indians and he then gets adopted into their tribe as it were um and albeit the fact that he's still wearing his uniform he knows that there's a point in the film where they're they're hungry right they've had no buffalo they're they're eager for food and he goes out and he's having spotted the buffalo he goes and tells them all you know come on look buffalo let's go and go out on a hunt so they go out on the hunt and this is where he saves the kiddie who's being stormed by a buffalo and he shoots the buffalo right but they're all riding around and you know bows and arrows are going and buffalo are falling and kevin costner is shooting buffalo kind of cheating i guess um And they're back in the teepee and they're having a good old conflap about it. And the guy that was originally Kevin Costner's kind of nemesis is actually now his good kind of mate. Kevin Costner is sitting around. He wants Kevin Costner to tell the story of how he shot the buffalo again and saved the kitty. And Kevin Costner relays the story for the hundredth time. And then he spots one of the tribe is wearing his hat, his uniform hat. And he kind of points over and says, wait, give me my hat back. And, you know, the old nemesis says to his mate, hey, look, you know, the soldier wants his hat back. Give him his hat back. And the guy goes, well, I found it. It was abandoned on the prairie. Right. It was left there on the prairie. Now, obviously, it's fallen off during all the riding around and all the excitement. So the Indian chap has considered that it was abandoned because it was on the floor. Right. Important. Just think of the perspective and the perception. But Kevin Costner has come back to claim it. In other words. OK, look at Black's Law. Look at this definition. The relinquishing of a right or interest with the intention of never reclaiming it. That's what abandonment is. So had Kevin Costner abandoned his hat? No, he hadn't abandoned it. He might have lost it temporarily, but someone's found it and now he wants it back. So technically speaking, the moment that you return to claim something, it doesn't matter how long it's been. The moment you come back to claim it, you've come back to claim it. It's not abandoned. So, you know, look, you leave your car at the side of the road and you go off shopping. Did you abandon the car? Can I come and take your car now? No, because we kind of accept that people are going to be coming back for it. Right. So what period of time do we feel is acceptable for abandoning, abandoning something? Well, in reality, well, if equity knows no time in reality, right on the land, there would be no time limit. However, on the sea, three years salvage. OK, so in their game, because their game is being played on the fictional high seas of commerce, they set a period of time as three years. If you don't return within three years, they will treat it as abandoned property. They will take it. They'll claim it under salvage. In fact, you may have noticed in banking that what they're doing now is they're saying if you don't use your bank account within a year, right, possibly even sooner than that, they will sweep your account and they will use your funds and they will claim it as abandoned funds. You can still come back for it, but they will put it to use in their accounts. What they're basically doing is they're hoping you forget about it. So they're just wiping off the record from your account that you're owed it. That's what they're actually doing, because the bank, everything that's sitting in any account at the bank is what the bank owes out. The bankers are actually the biggest debtors on the block. And yet the bankers have all the power. Think about that one after this event. Just think about how the biggest debtor on the planet or in the game, the banking system actually controls the banking system. And think about how you could potentially turn that round if you are allegedly in debt. That's another story, another matter, just something to think about. So, again, Black's Law. So that was Black's Law, ninth edition, Black's Law, first edition, the surrender, relinquishment, disclaimer or session of property or of rights. The giving up a thing absolutely without reference to any particular personal purpose as throwing a jewel into the highway, leaving a thing to itself, desertion, dereliction. And I know that some people feel abandoned when parents leave or when a loved one leaves, they may well feel abandoned. So, you know, you can't take that away from people. But anyway, next slide. So, OK, we've kind of gone through the foundation of what this thing is all about. Let me kind of let me kind of explain how it works in practical terms. What is it? How does it actually benefit you? We've got these principles. We've got these concepts which underlie the system that we're playing in. What's the big deal? Well, this is the big deal. All those securities that you created when you were paying bills that you thought was lost actually isn't lost because you've got corresponding credits which represent those securities which you can go in and claim. Now, how far back could you go back and claim? Because obviously you didn't know this. So the banks have profited quite a bit from your lifetimes and how many and all the bills that you've paid over the years. Right. And all the companies and all the entities creating these securities without realizing it, the banks have hoovered all of this up. So how far back can you go and claim? Well, obviously, three years in their game. So you can go back three years and claim the value of all the securities that you have created. What types of thing are we talking about? We're talking about bills. So we're talking about gas bill, water bill, electricity bill, mortgage, rent. Some people have bought a house actually and had the funds where they sold a house, had the monies in their account and then transferred that out to a solicitor to buy a new house. You can claim that if you from your bank account pay your loans and or credit cards, you can claim that. The funny thing is, is if you have a credit card and you go out and buy shopping or petrol or pay bills or buy furniture or pay for a holiday, you can claim that. So it shouldn't take Einstein. It shouldn't take an Einstein to work out that you can actually claim. What if, you know, you pay everything from credit cards or through credit cards and then pay your credit card from your bank? Can you claim basically the same bill twice? Yeah, because it's not actually the same bill. The payments that you made out from the credit card was one lot of bills. The payment from the bank to the credit card was a different bill. It's another security. This will come back in a moment when we come down to actually obtaining the service. All right, because you're going to find that you can obtain the service and actually claim back more than you spent on the service. But we'll come on to that in a moment. So the only things that you can't claim for, which wouldn't be morally right, is if, for example, you decided that, OK, I'm going to be a clever clogs here. And what I'm going to do is I'm going to transfer money between me and all my friends to create bank entries. And then I'm going to claim that back. No, not really. That's not morally right, because what that's doing is that's creating spending power, which really you're not genuinely entitled to. Secondly, what you're actually doing is risking a money laundering claim and freezing of your bank account by doing that. So I would say that's a big no, no. OK, I can't stop you doing that. But when the banks and or the collector of these funds that you're going to use goes in to collect, they may spot what you're doing and may not like what you're doing. And therefore, you may risk what you're doing and therefore you may risk your claim altogether. So whilst I can't stop you doing that, if it comes back to bite you up the arse, well, that's kind of your fault. All right. Because you did something that I already told you you shouldn't do. So really what we're looking at is what you can't claim on are transfers to savings accounts or manipulated transfers that you've created for no reason. What you can claim for are genuine bills or expenditure into the system. OK, and that's why, obviously, to guide you on that, you're going to have ambience walking you through this process. So as we stand at the moment, OK, who is it that we use to affect the claim of all these securities? Who goes in and does the job for us? Well, in actual fact, there's been a one world system for a long period of time. And you may well remember, you may have noticed, you might be aware that on the US banknote, which is actually called bills. So United States banknote is called a bill. Believe it or not, whilst we've got a promise to pay written on our banknotes, A promissory note is actually a special type of bill of exchange. So actually our notes, whilst I call them promissory notes, a promissory note is a bill. It's the same difference. It's a special type of bill. With a bill, I'm directing a third party to pay someone. With a promissory note, I'm just paying someone. It's just a special type of the same thing. There's a transfer. There's a movement in theory of money, right? In theory or currency. So it's the same difference. So in America, they give you a few clues. Okay, we've got clues over here. There are clues over there. on their banknotes their banknotes are called bills but they also have the all-seeing eye don't they they have the all-seeing eye and that's because in the american system the irs is the all-seeing eye okay it sees everything because it is a one world system already every state that is linked up has a banking system linked up to the international monetary fund is part of that one world banking system end of story because albeit the fact that the name over the building might change the buildings are in different countries on different continents then the business of banking which is transacted through those entities which is basically currency exchange is the same it's the same the whole banking world over and i liken that to a clip from uh ghostbusters when they go down into the i think it's ghostbusters 2 when all the pink sludge is flowing towards i think it's new york i think it's new york they're based in um if i'm if i'm wrong i'm wrong but i think i'm right and new york is of course the home of the it's called the big apple and it's called the home to the securities and bonds market funny that isn't it um so you've got all this pink sludge which is flowing under the in through the sewers of course in rome they called their sewers the system so the ghostbusters go down into the sewers and they see this pink sludge of evil which is flowing in to new york or wherever it is right um so that's just a metaphor which has been created in the film in order to give you a clue certainly it's a good metaphor for explaining this stuff i like to think They're giving us tips and clues, which is why I watch so many Hollywood films as part of my study. All right. So and chill time. Right. So the IRS is going to be the tax collector of choice. And if ever you are deprived of something which you shouldn't be deprived of, that's called a tax. So, for example, when I was a teenager, there was obviously you had the mods when I was a real youngster. And then as I became a teenager, you had what were called the casuals, all these expensive brands being worn by people. And quite often people would come in having bought themselves an expensive jumper, or should I say their mum or dad buying them an expensive jumper. And they come in and say, oh, someone stole my jumper last night. I was down wrong for market and someone stole my jumper or my trainers. I was taxed. That was the phrase that we used as teenagers. So a tax is when people take something from you that actually doesn't belong to them. It belongs to you, but they tax you through force or using fear and threats. Right. I'm sure you're going to resonate with that idea. So what happens is that the the tax collector of choice, the people that no one messes with is the IRS. They are the all seeing eye of the system. And so we're going to use the IRS to go in and reclaim your securities. And they have some special forms specifically for this purpose. It's called a 1099 original issue discount. OID. Now, where does OID come from? Original issue discount. Well, original issue. You are the originator. You issued the security. Well, where's the discount come into it? Well, I mentioned time is the most valuable commodity in the universe. Now, some people, if they work at McDonald's, they might get paid, I don't know, five pounds an hour or whatever it is. Whereas someone who's a merchant banker might get, I don't know, 200 pounds an hour. And someone who's an amazing barrister might get a thousand pounds an hour. The fact of the matter is that your time is priceless. So whether you're accepting a thousand pounds an hour, 200 pounds an hour or five pounds an hour, you have discounted your value, your time from infinity down to that figure. It's been discounted. And then you issued bills and you were the original issuer of those bills. All right. And you're the bills that you created, the securities you created was determined by the income or how you discounted yourself. Because you can only spend what you've got coming in. Right. Unless you use credit on account. But you can, generally speaking, only spend what you've got coming in. So you were the ones that discounted yourself. You undervalued yourselves. And then you create securities based on that undervalue on that discount. So the 1099 OID form is what we use primarily to reclaim the securities, the value of the securities, which is due back to you. But we don't claim the entire amount. We actually claim an amount less a tax gift. We're going to gift the IRS some money. Sorry, money, currency. We're going to gift them something for doing the job, because if you try and do it with the banks that you've used or the credit card companies that you've used, they're going to tell you where to go. So you need someone that's got clout to go in and do it. And no one screws with the IRS. OK, they oversee the banking system. So we're going to use the IRS and we're going to gift them a tax. All right. It's not technically due to them, but we're going to be paying the head mafiosa some kickback to go and do the job for us. They're going to take their slice of the pie. And by reporting the fact that securities have been created and need to be reclaimed through the tax system, the tax man, the IRS will gladly go in there and balance the scales. In fact, if you look at their logo, I think you'll find they've actually got a kind of stick figure holding some scales. That's the IRS logo. So how far back can we claim? We mentioned three years. The American system, their tax system, their tax reporting system works on a calendar year basis, which is different from the UK system. We work for was April 1st of April to 31st of March. They work from the 1st of January to the 31st of December. And what they also do is when collecting these things, they actually give not just three years salvage, they give three years, three months. So at the moment, we're in 2022. You can actually go back and claim for the calendar year 2019. 2018 has gone. 2017 has gone. We've actually had some of our people over at You and Your Cash. We started this back in a couple of years back, actually at the beginning of just before COVID came into play. And we actually had some people have been paid out on 2017 claims. All right. We launched it in October. I think it was at 2020. I think it was. and they were able to go back to 2017 and we rushed through some claims there were only 17 claims that we rushed through um and a few people got paid out unfortunately covid then came along which screwed up everything um but a lot of people then filed for 2018 and we've been having loads of checks come through for 2018 all right you're going to see some sanitized copies of those checks shortly on the slides uh you need to go forward lovely all right and that's it that's it's not there um right so um so we can start we can lodge claims for 2019 you can also lodge claims or have prepared for 2020 and you can have your claims prepared for 2021. Then if someone wants to turn off their mic. So you can choose whether you want to start, if you want to do this, you can choose whether you start on 2019 or whether you start on 2020 or whether you start on 2021. You might not want to do this at all, it's up to you. So you can actually book or buy the last three years claimed and have them all prepared waiting ready to go so that we can control the timing of when these things get lodged because trust me um what tends to happen is that you know human nature i set a deadline last year i set a deadline as the 30th of november to get these things with us and people left it to the 30th of november and i was inundated totally stressed unable to cope and anyone that lodged after the 30th november i refused to process their claims So what we want to what we want to try and do is if you're going to claim for 2019, we actually are able to lodge these claims with the IRS by the 31st of January next year. In other words, the IRS must receive the forms by the 31st of January. OK, so you have plenty of time, believe it or not, to lodge claims. So what will happen is that if you decided to do this, you can buy either one year, two years or three years at the moment. You can buy that all up front. And if you did that on credit card. and then paid off your credit card from your bank account, you will actually be claiming. So if your income or if your annual claim is less than £350,000, gross, you will actually be claiming around about 65% you'll receive back of your sense. Speaker 3 We'll give an example. Speaker 2 We'll give examples in a moment. But you'll actually be claiming back about 65% of that. Now, let's imagine that you're not a member or not a paid-up member. you'd be paying 1500 pounds a year for the for the year's claim in 2019 okay so you pay the 1500 pounds from your credit card you pay the 1500 pounds back to your credit card from your bank account so there's been 3000 pounds worth of securities created you'd be claiming 65 of that you spend out 1500 you get back 1950. okay i'm hoping that makes sense to you in other words in other words the way that you should the non-confrontational way of dealing with some issues some issues is that you actually pay them now that sounds crazy coming from spaniard or coming from simone what do you mean you actually pay these people right i'm not saying that you pay everyone you might want to challenge some things out near principle but the non-confrontational way of dealing with things is that you pay it and then you claw it back via 1099 and you recycle the currency as you should be doing because what you can do when you work this out properly as we'll show you in the examples is you can recycle those funds which gives you additional spending power and you pay off the debt which you then claw it back again and then you pay off debt and you discharge debt and you don't take the debt back out you don't give the banking system more notes or promissory notes or securities to play with you call it quits right this is not a case of um and i'm sure some people will use it as this and have used it as this you know they see the pound signs or the dollar signs and they think yeah that's what i want i want that i want all the spending power i want to go and buy a ferrari blah blah blah it's you know that's not really what it's about this is this enables you to recycle what you've created and discharge debt okay at a faster rate than you otherwise would have done it provides you with an opportunity to be free of the debt in a non-confrontational manner so what can you claim on well and we've got on the slide here you've got every single bank account that you're named on if you're named on a joint account only one party can claim and whoever starts claiming on that joint account will continue claiming on that joint account ad infinitum into the future so every bank account that fits within that you've had into open in 2019 even if it's closed now you can still claim on it because it was open in 2019 and you may have issued securities through that account every credit card that you had open during 2019 you can claim for for 2019 all right so when you start totaling up and I know some of you're doing it already how much did I spend in 2019 I know it's going through the back of your minds yes you can actually claim on that and you will get a percentage back so let's get on to these percentages you know I mentioned if your claim if your total claim is above 350,000 pounds gross that's before you've applied the the the tax gift to the IRS so let's say you total up all your spend and it's more than 350 grand you're going to gift the IRS 40 tax just like a higher rate taxpayer because you probably were a higher rate taxpayer because you spent 350 grand and you have to be a higher rate taxpayer to have that kind of spend below 350 grand you're going to be donating 25 percent now when you then roll in when you work that out and you get your your net check or your net claim off the net claim you're then going to be paying a back-end donation to the expert okay for doing the job so it basically nets out like this you're going to be roughly earning 65 percent if you're claiming under 350 grand gross right so if your spend was less than 350 000 pounds in total across all of your bank accounts and across all of your credit cards, then you will basically be recouping 65% of that spend. If your claim was above £350,000 across the spend on all those accounts, you'll be basically netting around 55%. So based on what I was just saying about clearing the debt, right, because you're going to have additional spending power, we've gone through and produced these examples. Now, I'll go through one of the examples. Once this after this event, right? So let's look at the 25 grand. So in year one, so last year was year one, okay? And you spent 25,000 pounds. You then claim it back, okay? You claim it back at the beginning of this year and 65% of that 25 grand equates to 16,250 pounds. You receive your check through, which would come through in US dollars, by the way, and you then spend it all. Let's say that you decided to whack that off your mortgage or whack that off your debt. assuming that you spend the same every year that's your 25 grand every year the 16 250 quid check that you've had through so that's not the check that's your cut right of the check that's what you receive from that check right the 16 250 quid which you get in your hand to go and spend you spend which means that your spend this year would be 41 250 then next year your next claim is going to be you're going to get in your hands around about 65 percent of the 41 250 which would equate to 26 813 you spend your normal 25 grand you spend your additional 26813 you've now spent 51 813 and so on and so forth and if you look at the way the figures are going if you recycle that currency back into the system to discharge debt or do whatever it is you want to do you could even buy gold believe it or not and claim this back you could even buy crypto and claim it back the point spend it into the system look at what happens to your what you're getting out of the claim each year well this is the 65 is what you get that's after you've paid your tax to the irs and after you've paid your back end split to the expert for doing his job your split is going up year on year on year do you see that your money your actual cut of the deal your claim what you're receiving in your hands is going up year on year on year and so if you look at five years of claims having come through you look at that end figure and this is you spending 25 grand or your household spending 25 grand you've received in your hand an additional 155 or just under 156 000 pounds to go spend now when you think of based on that kind of income level that's the level of income whether it's that's yours and you spend that your partner spends something on top or whether that's household spend think about what the relative mortgage debt is likely to be you can see that it's not going to take you too long to discharge your entire mortgage debt if you pump it all back in to the mortgage of course you can play with that you know you could keep maybe some aside a quarter aside and then invest you know spend the rest the thing is you're going to be your spend because you're spending more year on year okay it means that that your claim is going up year on year. There's the example for above 350. I'm not going to bore you with that. You can go through those figures and work it out for yourself using a calculator. Trust me, we have double checked those figures. They do equate, all right? So year one, just remember year one is your normal spend. 25 grand is the normal spend year on year on year on year. What you get to spend from the claim, your cut of it after the whole deal has been done is that in the red, and that's what goes up year on year on year on year. And if you spend that into the system, Your total spend obviously goes up year on year on year on year. And depending if you're using that or assuming that you're using that spend wisely. And I would suggest wisely means discharging debt. Then and not buying Ferraris and stuff like that, but discharging debt. Then you can see at the far end the ability when you total it all up, you can see what you can whack off that debt and then save in additional interest charges and so on. All right. So if you want to go on to the next slide, Simone. Speaker 4 Yeah. Speaker 2 unless that's it no it's not here we go right so here's some examples of checks that we've received in recently and to prove that they are recent checks if you look down the bottom of the check because these have been sanitized i'm not gonna and i'm not gonna risk um i you know if the irs decided to send someone on here or the banks decided to send a spy on here we don't want them to see who's benefited from this i'm not going to risk i would never risk your data your security unnecessarily right this is coming from people over on our site um but you can see this is a recent claim because if you look down at the bottom where it says austin 12 2018 that's for the year 2018 tax refund this is on the top left one okay tax refund and you can see that the check was um well you can see it was actually the americans write their dates out with the month then the day and then the year well you see that first one was the 10th of something 2022 right you can see the next one along on the right at the top right is in the year 2022 you can you see it came from austin it was a tax refund in fact i actually blanked out the um the year there um on the bottom one you can see austin 12 2018 and again another tax refund so these are recent checks these are what have come through and i can tell you one of those checks was for in excess of 240 000 another one was for in excess of um 85 000 and another one was for in excess of 70 000 it's all determined by your spend and the securities the value of the securities that you have created all right i'm sorry i have there that don't comply maybe innocently or ignorantly or they just they don't think about it and they release that information out to family and friends and then it soon gets into the wrong hands and of course there are people that come on here for nefarious purposes with the intention of taking information like that just like mr stamp tried with you in your cash if you watch my videos so anyhow let's get on to um how the actual process works per se um over here it's going be a little bit different so as members of ETP you will be tied in to the ETP processing and offering okay um the you and your cash offering is now only um accessible to you and your cash members by way of application they can't just go on and obtain it now it's by application they have to apply we're limited now who can actually access this so this is being rolled out to you guys for you to access all right as a special kind of offering on behalf of the uh the expert um incidentally we call the expert um just like from the film dune i love my hollywood films we call him paul muadib right so he led the fremen the freeman in the film dune okay he was on the um the desert planet so of course there was no water on the desert planet apparently yeah it's all kind of little symbologies in there all little messages being given out and he led the freeman so we call the expert paul muadib if you want to call him something so we call him paul so um how's this going to work so let's say that you decide that yep i want to do this well i'm sure simone will give you links at the end of this webinar this presentation and then you can go on and book your service because we will handle it on a kind of first-come first-served basis okay but there's still plenty of time for all of you if necessary to get your claims in okay you can be assured of that um so what's likely to happen well within the first one to two weeks you'll go through your prequel all right so um ambia will liaise with you okay you will have made your donation there are different donations we'll come onto those in a moment um but you'll You'll go through your prequel. You want to do it. You've paid a donation. And Ambia will then talk you through what you need to gather because you will need to gather your bank statements and all your credit card statements because you're going to need to total up. In fact, Ambia is probably going to do this for you. You need to total up all the correct expenditure that qualifies for these claims. All right. That will then take Ambia some time, as you can probably appreciate. Once that's all been done, other things we're going to have to gather are your passport. OK, and there's going to be one or two forms which need to be completed, which Ambia will go through with you. Then we're going to need certainly digital files, so scans of the passport to be sent over through Ambia, through us to the expert so that the expert can create the forms for you and complete the forms for you. And you will be provided with the signature pages only because the actual mechanism that has been formulated by the expert is his intellectual property. OK, now I just want to make something clear. I've known this guy for in excess of 10 years. He's been performing these claims for in excess of 10 years. He used to process these through for people quite widely until people did invariably what some people do. They bugged him. They annoyed him. They were not respectful of him. And so he got so fed up with it that he stopped doing it for people. And I actually had to persuade. I spent two years on him since we launched the new You and Your Cash website. I spent two years nagging him, touching base, you know, a little bit of cajoling here and there. um out and out bribery per se blackmail you name it i tried it in order to get him to make this offering available for our members and eventually he did but he did it on a number of provisos the first was that we keep his identity completely confidential in other words you and your cash is the front for this guy we act as his agent as his nominated agent the second thing was that he will not tolerate any bullshit and we don't tolerate any bullshit so i can tell you right now this is not about the money for us I have reimbursed people's fees and sent them packing in multiple cases all right I mentioned last night I've kicked more than 400 people off of you in your cash we're not after the money it's not about the money it's about learning and it's about respect mutual respect two-way respect yes we have to charge in order to provide services people as I found out years back people don't want to work for free people don't even want to perform their own processes right in most cases but people certainly won't work for free they won't do it for you for free right um so it's difficult to provide these kind of services and roll these out unless people are getting paid to do it um plus you've got heating lighting electricity all these expenditures that need to be covered so unfortunately there is a charge for doing the service or providing the service um but at the end of the day with this particular service you're getting back a fair old whack of something you could never ever have achieved and and have obtained and and have have benefit that have benefited from if i can actually untie my tongue um so one of the provisos he's set is that he wants absolute respect so we have to rule this with a kind of an iron fist probably the wrong phraseology but we're strict with it right we don't take i don't accept people on our website on the union cash website i don't accept any bullshit at all right if i think people are trying to learn the process and get hold of the information they're off if we think that people are trying to contact the expert or find out who he is they're off no questions you're off you're out of here right we're not going to risk the relationship with the expert for the benefit of all the other members or all the other people using that that process we're not going to risk it because one guy or one girl decides that they want to break the rules and they're a little bit curious and they want to find out who he is great goodbye now i once had i had one i had one um member of you in your cash who you know we said look everything that we go through here you've got to keep confidential the banks do not want you knowing this information so what do you think they will do if they realize that it's being offered here or it's being that we've got some expert who's processing claims through for you what do you think the banks will do about that well what did you think they do with politicians that don't go along with what they want right you know you don't want a red dot suddenly appearing on you and then you know you get taken out or something you know whatever you know some kind of criminal charges are contrived in order to try and take you out the game or silence you or whatever you don't need that crap and so it's vitally important that yes you know yes you can mention things give a little bit of a hint to friends word of mouth if you so wish but you can't reveal everything you can't go bloody posting it online and shouting about it because you know I've got something I know something you guys don't that's ego talking you can't go doing that you're risking it for everyone um you know I've had Peter Wilson was referring to you and your cash and he featured in his videos he's telling everyone he was a member on our site and he was telling everyone that we were offering this service and when I found out I promptly contacted him I tracked him down I tracked down his home I tracked down his phone numbers I tracked down his place of work and I left messages for him everywhere and I finally got hold of him and I said take that bloody video down now right what the hell are you playing at and he's supposed to be someone that's a teacher and he doesn't comply with other people's rules it's outrageous so you know i can't emphasize enough that you cannot risk this for yourself and or others by being big mouthed about it online yes you can tell friends and family but you can't go showing them this webinar unless they join the site they've got to join the site they've got to become a member then they can look at stuff right but you've got to be really careful what you're saying because if we find out that you've been doing that you will lose your claim you will forfeit your fee your claim will be cancelled and you will most likely be kicked off the site that's no messing around that's just to make you aware of the standards that we expect in terms of your honorability and in terms of the equity that we expect from you okay you expect us to work this properly for you, if you are happy with us to be slapdash about it and risk your claim, yeah great, we can do that for you, I'll fill out your forms with my toes if you want and muck it all up for you, yeah, if that's what you really want, if you're happy with that, well just as you're not happy with that, you want a proper job done, we expect a proper job done, you expect honour and respect from us, we expect honour and respect from you, nothing more, nothing less, that's it, okay, so we have to make that abundantly clear and plainly clear at the outset, all right, that's not me wanting to be teacher but that is me policing it because that's the requirement from the expert that we police it and as i was going to say we had an example where you know when we first launched this over at you in your cash i had one lady who attended it and she sent me an email about a week later and she said oh yeah i've gone and asked my accountant about all of this and he's disputing this and he's saying that he wants to know about and i said i said hold on a second i said so you explained all of this to your accountant did you she said yeah that's right And he's querying this. I just said, OK, goodbye. And she said, what do you mean? I didn't mean it. I said, what do you mean you didn't mean it? You mean you didn't mean to open your mouth? Did you not mean to open your mouth? Did you not mean to eat that last donut? Did you not okay um so i'm just making that clear right so what will happen is this you send over your you know ambia is going to go through all your financials she'll collect the relevant information she'll take she'll want scan a scan of your passport um she will then scan other documents over to us which goes to the expert he prepares all of the documentation the documents will then be sent to you the signature pages you're not allowed to share that information with anyone as his intellectual property as to how this flies you then sign those documents and you will return those documents with your original passport to us okay or to a special etp mailbox address okay which is actually coming directly to us so that we can gather those forms put it all together and courier it to the irs it goes by courier to the irs to make sure it doesn't get lost in the bloody post all right now from the moment it's been couriered because we have to time this we don't send them reams of stuff and hundreds of cases all at once because it's bloody obvious what's going on right we don't want it to be obvious what's going on we want these things to slip in with what the elite are doing and what the nobles are doing and what the bankers are doing and all their knowledge we want we want this to slip on in there right so we time when things go off so from the moment it's been submitted to the irs from us you should have your passport returned to you within four to six weeks all right now if you assume six months that it will be out of your possession then no one's going to get upset okay but please don't make the mistake that some people make sending it to us with me having told you to assume it's going to be gone for six months and you send it to me and then it's gone for a month and you say can I have my passport back I want to go on holiday well if you really need to go to Benidorm and forfeit tens of thousands of pounds you really can't miss it for one time round because you only need to send your passport once and that's to get a tax number right but if you can't forfeit that or put that back a little bit in order to make sure that you have some kind of financial windfall then you know what don't do it you go enjoy your holiday okay I think you'd be very stupid doing that making that choice but you have the choice likewise we'll have the choice to be enslaved you can if you want your choice not my choice your choice so you get your passport back should be let's say within four to six weeks but let's allow six months i'm going to promise you six months so that i'm not over promising right i'm going to promise you six months within that six months you will have got you should get your passport back and you have a tax number issued and then you need to inform ambia immediately that you've had your tax number through in fact anything you get through from the irs just scan it send it to ambia so she's got a copy right immediately basically what that means is that your claim is being processed all right it's on the way because once that tax identification number has been issued which only has to be issued once that will stay with you for as long as you want it to it means that you're now waiting for your check and the moment that you receive your check through you must again you've received something from the irs what do you have to do you scan it and you send it to ambia because that check needs to be a copy with ambia and we need to get a copy over to us so we can calculate precisely what you're going to know what you've received we see if there's any errors from what you should have received versus what you do receive um it also means that we know that within a certain period of time you're not you're gonna not only have the bank to check high street banks are best cheapest quickest okay they generally charge a set fee of anywhere between 64 quid and 124 quid takes somewhere between six to eight weeks to clear maximum hsbc doing seven days actually um but generally between six to eight weeks and we will will then expect you once that's cleared to contact ambia and say right i've had the check cleared this is what was received right this is what is turned in that's what dollars has translated into in euros or sterling and then ambia will say to you right this is what you now owe you owe a you owe a back-end payment which will be going to the expert and you will send that back-end payment by transfer to etp and then that year is done and we can then lodge you next year okay and that's it you go and enjoy yourself and i tell you when people get their checks through oh they love it right they go they love it we've had one guy's got his 240 grand for he hasn't even cleared yet he's already spent 70 grand of it um so you know it just so happens he's got the monies there but he's he's spent it in his mind he's spent it he's actually gone out and put down in fact he's actually bought a massive camper van actually top of the range um and why not you know he wants to reward himself all the hard graft you know that he's that he's engaged in fair enough it's up to him you know if it were me i would be looking to maybe benefit from a little bit of it and have a bit of an extravagance perhaps a very small amount but the bulk would be going into debt because that's the benefit of it it's a discharge debt now let's have a look at this in real in reality are you likely to get absolutely every claim passed i think to so that we're not over promising you have to assume that you're looking at one in one in two claims or two in three claims that will be successful okay you have to allow for the unexpected so when we launched this three or four months later, COVID came along. Excellent. What happened when COVID came along? Well, everyone was scared shitless for a start. But secondly, they had work from home. People weren't allowed to go into work. Everyone's running around like headless chickens. And so that affected the IRS staff just as much as it affected where you work and your work colleagues. It was the same the globe over. So what happened with all the claims that were being processed? Because remember, you've got three years to process these bloody claims. Well, it wreaked havoc. And a lot of people, actually, their claims were deemed to be out of date from 2017. There were a couple went through, but there were some that didn't. In 2018, of the 2018 claims which were going through in 2021, COVID was still around. Now, we've got the news articles and I'll allow you to actually have, I'll give copies to Simone so she can put them up on the platform so you can read this from the Washington Post. It turns out that someone in their wisdom over at the IRS, this shows you this is human nature. OK, but someone in their bloody wisdom decided that, well, I've got all this backlog of paperwork where people have been working from home or they've been off sick or they've decided to jack it in. And in fact, a lot of people that were in the US that were from other countries were sent home. So a load of cheap workers left, which left the IRS short on staff, created a backlog. And so what did someone do? What's the easiest way to get rid of a paper backlog, do you reckon? Well, let me tell you what some bright spark decided to do was bin all the paperwork over at the IRS. I know it sounds ridiculous I know it sounds hard to believe but a member of staff actually trashed a whole load of paperwork in order to get rid of it I guess that's one way of clearing a backlog but anyhow they were then found out there was an audit conducted on the IRS I think it was by the Fed and they discovered that this had happened and it all blew up and was reported in the Washington Post now we can't control that I know I'm a miracle worker I may have long hair and a beard like Jesus or in Jesus of Nazareth and stuff like that people have commented on it in the past but I can assure you I am not Jesus of Nazareth right I can't work miracles I can't control what the IRS does with your paperwork all we can do is go through the process send it over there and then trust that they're going to do their jobs I can't cover it or make amends if a member of staff bins it I think that member of staff has been sacked I've got no doubt it's not what should happen it's not what's happened in the past but it happened on that occasion. The point I'm trying to make is you know sometimes with some claims things are going to go wrong so I'm not going to say to you that you are cast iron guaranteed of getting every single claim through. I want you to presume that you're going to get one in two or two in three and that way you won't be disappointed but even then even if you only got one in three claims through you're still going to get a financial windfall which is way beyond what you paid for the service okay unless you're claiming silly amounts like two thousand pounds for the year and i don't mean that to deride anyone what i'm saying is if that if you'll spend you know if you're on a low income um or if you're on benefits and if you've spent a low amount i if it were me i wouldn't i wouldn't necessarily take the risk if i'd only spent two or three thousand pounds if i'm a real low income i wouldn't necessarily take the risk in using this service per se. So we've kind of pegged, as Simone's just interjected there, we've kind of pegged the minimum claim as you know, if you've spent 8,000 pounds gross, that's what we would say is maybe the minimum as a realistic risk, okay, that you should then consider making a claim. And so I don't know if you want to go to the next slide Simone, I'm assuming this has probably got the actual figure work for members, non-members and member plus or whatever. No, I didn't actually Speaker 1 include that. I was going to talk about that on that slide. Sorry, I'll just interject. do you want to interject yeah yes there's a couple of criteria for members to actually access this um as you've probably seen on a previous slide it's actually only available to our paid members you guys have committed to us we're committing to you and this is an offering to our paid members only so if you're on 10 pounds a month 30 pounds a month 50 pounds a month or on a yearly subscription of the same you will be able to access this if you're a free member unfortunately you won't you You won't be able to access it until you take up a paid membership. What we've also got is different tiers for the different memberships. So if you are paying £10 a month on a standard membership, you're going to pay. And the one-off fee is £1,500 to get you starting on this process. And then we won't take the back-end fee, which will be 15% until the very end, until you've received a check, like Simon's explained. If you're on a premium membership paying £30 a month, it's £1,400 and 14%. So it's really easy to remember. And if you're a premium plus, you get the maximum discount, which is 1313 percent. And that's it. It's straightforward. Of course, you know, we want more committed members to us. And, you know, this this is what we're going to start doing now with some of our benefits and privileges going forwards, because this is not like a private trust that you can uptake with us or a mortgage release, which is our standard kind of benefits and privileges. This is quite special. It's a windfall. You've got to see it as a financial windfall every year. that actually the trajectory increases, right? It's on a spiral. It's actually like the Fibonacci sequence, right? Is that what you call it? The, you know, in nature, you see this spiral. Speaker 2 - That's the golden ratio, isn't it? Speaker 1 - The golden ratio. I'm sure it's called something else. Speaker 2 - Well, you've got a number of different sequences. You've got the Fibonacci, but you've also got the golden ratio as well. Speaker 1 - Yes. And what Simon's talking about is having a threshold. We have to have a threshold. We have to have a threshold because it's a protective measure. There are penalties from the IRS for filing incorrect tax forms or frivolous claims. Or if we do it incorrectly, there's up to a $5,000 penalty. So go on. Speaker 2 I was just going to interject. So, for example, I can see some of the questions on the chat room. So I'm going to go through and answer some of these questions, actually, right, just to cut this off. Yes, Sonny, you did miss something. It routes through America because it's the IRS that we're using. It's a one-world system. OK, so that's why it routes through the IRS, one world system. With regards to, you know, can you do more than one year claim all at once? Yes, you can actually pay for that and we can prep that all at the same time. And that gives us ultimate control when we time those claims going in. So, yes, you can pay for three years in one go if you want to book that in advance. Frivolous filings. When COVID came along, for example, and actually delayed all the 2017 claims which have been lodged, Some of them got paid out in time and have been processed through, but some of them got wrapped up in the delays and all the work from home and all that malarkey. And those capacities ended up getting a frivolous filing. And they had a letter saying either withdraw the claim or you get a $5,000 fine. And so all we did was we withdraw the claim and they didn't get a fine. It's quite obvious. It's nothing big. It's just that those claims were out of time because you have three years salvage. And as I say, I mean, COVID, OK, you know, look, it's something that was out of the ordinary. it threw the IRS into disarray. I believe they've now changed all their processes to cope for it again if it ever happens again. They brought on, as you're going to see from these news articles, they brought on I think it was 10,000 new staff members and as far as they're concerned everything's going to be up to date by the end of this year and that's certainly what we've experienced. As of the beginning of this year checks were just trickling in but over the last two months or so we've seen an enhanced kind of floodgate of checks coming through for people. So you know this we've still got up until the end of the year for all of our claimants for 2018 to receive their checks. but yeah it's great it's lovely to see people get their checks you know what more can I say you know if anything from our perspective over at you and your cash and from ETP's perspective it gives you more spending power so you can attend more courses I guess if you so wish yes as we as we mentioned in this video and a lot of what I would say is you know if we will take questions anyway from people but if you know a lot of this you only take in a third of what you hear when it's new information. So the chances are with a lot of your questions is probably already been answered. I've seen the question there about joint accounts already answered in this webinar presentation. One of you will make the claim and one of the joint account holders will carry on making the claims into the future. You can't switch, oh, this year you make it, next year I'll make it. No, no, no, no. One of you makes the claim and then you carry on, that party carries on making the claims into the future. It's a very, very simple process for these things to be done. um it seems more complicated than it is yes we have to get things correct this is where ambia is going to come into play all right ambia has been through this process she's lodged forms um which have been successful through you know me having a look at it because i always check everything before it goes to the expert so it's going to have to pass my bdi um and then of course you know as ambia successfully done that that's why she's been um you know brought on to actually manage your claims to make sure they come across correct okay now of course just mentioning that you know if If you're paying by credit card, I just want to emphasize even your membership fees to ETP, all of that can be claimed back. This is the beauty of it. You end up getting the education for a fraction of the cost that you actually normally be paying. See the beauty of that? You're recycling your expenditure. So we've got here, does the benefit apply to charge cards or those cards where you have to pay the balance of in full at the end of every month? Yep, absolutely does. Because those cards are part of the banking system. All right. So if you're talking about Amex, for example, yes, you can claim on Amex. Speaker 1 Well, no, it's worth mentioning, guys. You know, this is also another way that you can also boost your income is by using your affiliate scheme link. Right. So every one of you have got a referral link. It's unique to you. Share it with your family members or your friends. Of course, you know, this is use discretion. OK, we don't want this to be getting out in the public. But if you share your link and get them to join the site and get them to sign up as a paid member and they can access this. And when they do, you'll get 10 percent back as well. so you know that will keep you going too so just remember that and and i also want to just go back because we missed the threshold just so i was talking about 10 percent of the 10 of the upfront Speaker 2 fee right that you get as under the affiliates yes correct yeah yeah um threshold yeah go for it Speaker 1 yeah the threshold um so we were saying that you know if you've spent less than eight thousand pounds when you pull to say for example you want to make a claim for 2019 you would pull out all your transactions across all your bank accounts across all your credit cards across all your charge cards and all those transactions will amount to a figure. If that figure is less than £8,000, we would be advising you, or we don't advise, but we would be saying to you, it's not a good idea that you make a claim for the reasons that Simon has set out. What if that claim gets classed as a frivolous filing and you end up with a five grand tax penalty? Speaker 2 Well, you'd never have to pay the fine. The concern is if that particular one just doesn't go through for whatever reason is you're on you're really gambling with it if you're below 8 000 that 8 000 threshold so you know if you get one in each two claims go through it's just a big risk so it's not to say that i mean the smallest claim we've processed through and the guy got it through was was a four and a half grand claim right and it's and it translated into think it was three and a half thousand pounds sterling so the thing is he took the risk if that was me i probably wouldn't have taken the risk but each to their own all we're saying is if your total spend in a year year is 8,000 pounds or less, you should consider carefully whether or not it's worth the risk. That's all we're saying. If you want to do it, we're not here to tell you what to do. That's up to you. If you want to take the gamble, if you want to go and gamble some money on a horse at the Grand National, that's up to you. It's not us to tell you not to do that. All we're saying is just be aware that you're within the realms of, because you're on low income, low expenditure, you're in the realms where if that doesn't go through, then that's going to hit you harder than someone that's got a bigger income or a bigger spend right so we're just looking out for you that's all yeah Speaker 1 yeah and it's okay so I'm I'm gonna open the floor because I know plenty of you have lots and lots of questions so I'm gonna stop sharing and we're gonna hand over to you guys I think Mick your first first one with the hand up I know there's lots of questions in the chat if your question hasn't been answered in the chat put your hand up and we'll answer it okay Mick nice to see you Speaker 5 Phil I hope you're okay very well thank you very much good to see you again um just very quickly hopefully it's a brief one so if i have uh two personal accounts yep and a joint account with my Speaker 2 partner yeah i claim for all three in one claim correct for the year so whatever accounts that you had during that year so for example you know i used to have um i used to have three bank accounts i used to have nine credit cards that would be 12 accounts that i claimed for that year because i was spending through all of those accounts for that year the joint account if you decide to actually lodge the claim and you decide to lodge the first claim on that joint account then you must lodge the claim on that joint account for every future year yeah that's good for all intents and purposes it becomes your account okay okay cool cool thanks nick no worries Speaker 1 you're welcome thank you okay evan you're next i hope you're well nice to see you could you briefly Speaker 6 go over that um how to recycle again just briefly i'm not quite i'm not quite got that bit okay well Speaker 2 you're going to be making a claim of monies that you've spent into the system yes is this yeah you're going to be making a claim of the securities that you've created yeah yeah those monies will then come back to you and then you spend them again right you're recycling the money the currency yeah it's as simple as that likewise i mean if you really wanted to i mean i did something a good few months back actually i actually engaged in some urine therapy now i drank water i peed it out and then i drank it again i was recycling water yeah i know Speaker 6 I know a guy who's done that. Speaker 2 - I wouldn't do it in winter. That's the thing, do it in summer because I bathed in it as well and it was too cold in winter. But I did- - Too much information, overshare I think. - I did a course, no, well, you know, I'm just saying, there's just a recycling process, you know? Speaker 1 - Evan, does that help? Would you like a bit more information on that? Speaker 6 - Yeah, you said something at the beginning as to how we actually work. And it was probably a one line or sentence, which I missed. Speaker 2 - You will be recording of the webinar, right? it's probably better but i would suggest you know if you're unsure of any of this go through the webinar at least four to five times because you will find that you miss stuff and that's quite natural it's quite normal it's new information um you don't necessarily catch it all the first time around and that's why i always say to our members um over on you and your cash i always say look you know make sure that you watch the webinars i even say six to seven times before they even ask me questions um you know because you're likely to pick up the answers to your questions in the that you need in order to either make a choice or to actually understand the subject matter. Speaker 7 Yeah, okay. Speaker 1 And we can sit down as well, Ivan, if you need some more help. Yeah, thanks. Okay. Davina, you're next. Speaker 8 Thanks, Simon. Thanks, Simon. So I'm going to try and articulate what I've got in my head. Hopefully it will come out. Speaker 7 It will come out for us. Speaker 8 So you said that, obviously, if we don't claim this, the bank will. Yep. Right. Okay. Speaker 1 Abandoned securities. Speaker 8 Yeah. So in between, say for argument's sake, all the paperwork going in for a year or three years, how do you know, or could the bank be doing the same thing at the same time? Speaker 2 Does that make sense? Well, when I say the bank claims it, the bank doesn't actually have to claim it because it's already in the bank's possession. So let's go back to the Kevin Costner example. If he didn't say to the Indian chap across the teepee while he's telling the story, if he didn't say, that's my hat, I want it back, what would have happened to the hat? Oh, he would have just kept it. He would have kept it on his head, wouldn't he? Yeah. Now, as it turns out in the film, what happened is the Indian did want to keep the hat. But one of the other braves had said, well, if you're going to keep his hat, it's clearly the soldier's hat. That belongs to the soldier. But if you want to keep it, you give the soldier something else in exchange. And he gave him a breastplate in the film. right the point is if if kevin costner had claimed the hat the hat would have returned to kevin if he left it the hat would have stayed with the indian so if you don't claim it back from the bank i know i say the bank claims it the bank's already in possession of it they just they just hoover it up Speaker 8 it stays in their possession and into the back pocket it goes okay okay i i i i get that yeah Speaker 2 you're not you're not going to be don't have the fear that you're both going to make the claim for the same thing at the same time you're not both you're not both dipping your hands in it doesn't work like that the bank already has possession you've just got to go in and get a big mafia you know one of the mafia members i.e the irs to go in and get it off of another mafia a smaller mafia Speaker 8 one of the pirates yeah yeah and the other questions sorry your analogies are quite funny but it's true right yeah obviously nothing in life is guaranteed obviously apart from death um so if you make a donation and obviously you go through the process and it doesn't work yeah Speaker 2 it just doesn't work right so you'd lose your donation for the fee but you didn't pay it back in because there's been no success yeah yeah okay gotcha all right cool thank you so that's why we got the threshold because that's the gamble the gamble is the upfront fee yeah it should also note Speaker 1 um you know if anybody um is um signed up to any competitive competition you won't be have access to this either okay if we find out you'll be booted off and you'd lose your claim okay so i think Speaker 9 that's worthwhile um dawn you're next hi um i've got two questions as well um obviously with the passport i totally understood what you said simon um but i've got some planned trips because i actually have a business in France um so with the obviously there's that time scale would um it be okay to work that time scale around the planned trips yeah yes of course in actual fact if you Speaker 2 for business reasons go abroad you can actually have two passports can you yeah I didn't know that okay oh you do now yeah you know yeah you can actually have two passports so um and that's purely because you you may well need to send a passport off for whatever administrative process um and then of course you need it for business trips so you can actually go and apply for a second passport um i think they do quiz people about it but obviously if you explain look this is for business purposes i've got to send my passport off to for tax purposes okay for business conducted and i would say for business conducted in the us i've got to send my passport off it's a one-off occasion and i'm going to need another tip you know they may even give you a temporary passport the other thing you can do um which i wouldn't necessarily recommend so much but only of its absolute desperation stakes um and you've got to be be wary because matrix there are there are agents out there that can actually verify or certify your identification for you they are actual irs agents now the safest place to go is the irs embassy okay in london and you can actually have your passport verified there certified for you right there is a fee just be aware it should be a small fee of about 130 quid something like that we had one guy who went to do it over on the union cash platform and he's got embroiled in some huge discussion where the agent is wanting to fill out all these forms he's being charged a thousand pounds which is ridiculous i don't know i don't know what he's doing um and now he's asking for details of how to complete the forms and i'm i'm thinking no you've actually committed a cardinal sin you're asking me how to complete the forms now you're trying to get into the process in my opinion so now as far as i'm because i mean i'm kind of not even responding to him um but he will get a response which is i'm sorry mate you need to send us your passport that's it we're not going down that avenue right it's just i have got about Speaker 9 three trips planned between now and march so that was why i wanted to ask that question don't get me Speaker 2 wrong once they're up to full processing speed you should have your tax number and your passport back within four to six weeks i just want to promise that now because i know they're still on the back Speaker 9 end of clearing their backlog yeah um the next question was um more to do with you i saw in the that it can only be done on personal accounts, not business accounts. Correct. But what about sole trader accounts? Because sole traders is basically yourself, but just trading as. Speaker 2 Yeah. Depends what you're trading as, I guess. It can be problematic because of the name on there. So the way that we operate these claims as follows. If in doubt, leave it out of your claim. OK, so I believe I've asked this to the expert before. I can ask him again just to refresh my memory. But I believe the answer was don't claim it. Speaker 9 Okay. And finally, Marks & Spencer's bank account that closed last year. Speaker 7 Yeah. Speaker 9 I had a Marks & Spencer's bank account, I still have a Marks & Spencer's credit card. I haven't got any of my bank statements from them, but obviously they've closed the bank account. Any advice you would get? There would be, with Marks & Spencer's, that's an affiliate account, right? Speaker 2 So that's a branded... It's HSBC, I think. Marks & Spencer's is the brand. There will be a bank sitting behind that brand. So that's literally, it's almost like they operate white label accounts and different... I mean, for example, Manchester United have got a credit card, you know, So different banks are actually operating that behind the scenes. So what you do is you go to the main bank provider and you just do a data subject access request and get copies of your statements. Okay, thank you. That's great. Thank you very much. They'll actually have a dedicated department that will handle that for M&S. I guarantee you. Right. Thank you. That's great. Thank you. Speaker 1 Okay, Rebecca, you're next. Oh, I think you're on mute. Yeah, you're on mute. Speaker 10 Yeah. Is that better? That's better. We can hear you now. I'm sorry. Okay, I asked a quick question on the basis that obviously I'm nothing to do with IRS, no affiliation with USA funds, business, anything like that. What I was hoping to understand from this evening is number one, I have historical joint mortgage that was with a now very, very absolute definite on the hit list partner who is the other joint person we paid by normal bank direct debit from 2000 no sorry 1994 to 2012. various mortgages on various properties always joint always paid from our funds yeah is there any way for me to redress that financial double dipping given that i will not ever get any consent or any authorization from Speaker 2 the other joint person not using 1099 because i just mentioned the latest year of the claim of 2012 right yeah okay so yeah that's it it's gone salvage banks had it so the banks had that claim now whether you address any issues with regards to the mortgage by way of other means which is outside the scope of this presentation for example liens claims and whatever that's a separate matter but in terms of the 1099 process we can only go back three years under salvage so anything beyond that is it kills it dead absolutely okay unfortunately banks had it already Speaker 10 no don't worry who is the best person within etp for me to perhaps inquire for a potential process I might be able to undertake to redress those bank payments. Speaker 2 The payments to the mortgage? Speaker 10 Yeah. Speaker 2 That would be creation of a lien, I would have thought. So Simone, I don't know how you would deal with that. Speaker 1 So, Rebecca, do you want to book in a technical support with me and we can go over where you're at? Would that be helpful? Speaker 10 Possibly, yeah. I know I'm booked in for a trust thingy on Monday, that's why it's confirmed, but it's not part of that. This is as a result of tonight's presentation. Speaker 1 Well, that's OK, because that's me and Simon on Monday with you. So we'll sit down with you and we'll we'll go over any other questions and we'll talk about it then for you. Speaker 10 OK. All right. Yeah, that's all right. Fine. I'll tag it on the end, but I'll just make sure you've done what you need to do with me for the trust. Speaker 1 Oh, yeah. We'll get everything. We'll make sure we cover everything for you. Don't you worry. OK. Thank you. You're welcome, Rebecca. You might want to go and have a look at the secret law of money in our platform. It's free education. There's a four part series and also the foundational knowledge series. Speaker 10 I think that's a four part series as well. Foundation of knowledge. Got that one. I've already zipped that, but I'll look up the secret law. Speaker 1 Secret law of money. Yes, because that will help. It'll just give you added understanding of the banking system. And actually, it's much bigger than the United Kingdom. And that's what I think confuses. It is like Simon says, it's a one world banking system. Speaker 10 It is all connected and it's rather nasty and nefarious. Yes, I've got a bit of that in there. Fine, I will go and do that. Is it OK if I leave now? Of course. Speaker 1 Absolutely. This is on record, so the replay is back in the system, so you can watch the questions at the end. Speaker 10 Bless you. Thank you so much, all of you. Success to everyone. Speaker 1 You're welcome. And to you too, Rebecca. Speaker 10 Thank you. Speaker 1 Bye. Abina, you're next. hope I said your name right I'm really sorry that was quite loud. Greetings everybody yes that was Speaker 11 perfect thank you very much. Oh you're welcome. I've got three questions if I could ask. Of course. Okay the first question is you say that we have to send off our passport. Do you have to send off your passport every time you do a claim? First time. Just the first one. Just the first one once Speaker 2 you get your tax number you never have to send it again. Right okay thank you and in the presentation Speaker 11 that was given there was um one of the criteria was the correct jurisdiction now what jurisdiction Speaker 2 do you have to be in you only have to be in um as long as you're in a state where the banking system is linked to the imf then you can make a claim there are only four states i believe which are no longer part which are not part of the imf um going back about um eight years or so i think there were 12 states they were called the axis of evil funnily enough um and they were all not members of the IMF isn't it that's by coincidence right and slowly but surely as some of those countries have been either invaded defeated or whatever they've slowly joined up to the IMF and they're no longer part of the axis of evil isn't that funny yeah so wherever there's Speaker 1 a central bank basically okay it's all tied to the same system so if it's all linked into the IMF Speaker 2 if the banking system is linked into the IMF which is basically the entire planet or sorry the entire fictional world well then you can make a claim okay thank you and my last Speaker 11 question is can you claim for 2019 2020 and 21 in one year or do you have to do them separately Speaker 2 they will be done chronologically so you can actually buy all three straight away okay um in order to secure the price that they're being offered for now but we will time they can all be prepared and we will time those going in because whichever year you start off with you must then move forward in time chronologically so you can't claim 2021 and then go back for 2019 they won't have that you start 2019 once we know that claims in process we can lodge 2020 once we know that's in process we can lodge 2021 but they must be lodged chronological order in chronological order Speaker 11 in what time frame well is it by the year or can you lodge one by the 31st of january then lodge the next one say six weeks after or something like that no no no no no we have to make sure that Speaker 2 well the very first one the 2019 is potentially going to take longer than that we'd wait for your passport to come back for a start and you have your tax number okay because that's going to determine that they need the tax number in order to process the first claim so once the first claim is in the process and we know because normally what happens is you if you if you were to lodge your claim in the january you should have your check they normally they do it in batches and what they do is they set they issue these checks and they send them over by batch to a central location in each country and then they are dispatched across the country from that central location I guess it's cheaper on post so we know that they tend to issue their first batch on the 17th on the 16th of July each year following the lodgement from the prior year so if you would lodge your claim and by the end of January you should have a check issued by the 16th of July which should arrive through your Speaker 11 letterbox on about the 2nd of August okay thank you very much that was all my questions and thank Speaker 2 you very much for everything that you're doing i'm really really right we do our best all right who's up next terry oh yeah gotcha is it me on yeah it is it's definitely all right thank you Speaker 12 thank you both for setting this up um uh we kind of like i've got my cousins on here as a member as well so she might have a question can you tell me is it 1300 pounds for each account no no each year Speaker 2 so if you've got let's say yeah so if you've got let's say let's go really extreme let's imagine I've actually had someone who has 16 accounts okay between bank accounts and credit cards for one year that would cost 1300 pounds I mean depending on which membership level you're on it's either 1500 1400 or 1300 for that year but that covers all the accounts and then back end whatever the grand total is that you then your claim your check comes through you then pay the 13 14 or 15 back Speaker 12 end right okay and sorry we came in late is it does it seem to have mortgages as well mortgage payments. Mortgage payments. All payments out of your bank account. But not if you're just Speaker 2 transferring money to a savings account. It has to be in respect of a bill that you're paying. Speaker 12 Okay. So if I, so for instance, if I've got a payment to my ex who I'm paying the mortgage to, does that include it? It's a transfer. If that's actually for, let's say for example, Speaker 2 you're paying half the mortgage and it's intended for a bill, then yes, that would count. If I mentioned earlier that if someone got a bright idea of just transferring money backwards and forwards and there's one party who's actually promoting that and he's actually he's going to be leading his members into real problems i can foresee it this is mr ian stamp over at matrix freedom he's actually offering what he classes as infinite returns and i know for a fact that he's going to be generating these alleged infinite returns which they're not they're not infinite but he's going to be generating these manipulated increased returns by creating fictional securities for bills that are not genuine he's going to just be transferring money backwards and forwards and i'll tell you when that starts going in he's going to be leading people into a lot of trouble Speaker 13 right but it's lies isn't it really there's a moral code there's an energy to it yeah so i think somebody mentioned sold trader earlier on yeah um so i'm sort of self-employed whatever that that is or was should i say um and so all of my materials for that and all of my living Speaker 2 everything but not if it comes out of a bank account which is just in your name and you happen to just use that particular bank let's say you've got three bank accounts and you use one for business but the account is in your name yeah and you can claim it yeah in my name let's say that you go and let's say i mean for example i used to work for a bank the bank that i used to work for used to like us to go out and spend you know petrol if we're going out debt collecting you know expenditures for the office they'd like us to put it on their credit cards right now it's a personal credit card it doesn't matter whether it's for the bank or not that you get reimbursed you can still actually go and claim that right brilliant i can tell you i'm very happy right now yeah i know most people are when they hear about this it's uh that's why bankers have always got big smiles yeah yeah Speaker 13 well this is just that's the thing that's just dawned on me it's like ah this is why this is why Speaker 2 they are where they are and they're having such a joyful time of course if you if you let's face it the people that built this system and constructed it i mean i they built it on principles of commerce they were engaged in anyway but you know that on the one hand by depriving people of knowledge you know you it's a kind of perverted it's an ego perverted ego thing that you're mastering over these you know you're towering over the people that haven't got the knowledge but by the same token you're then able to benefit and sit at the table and beat everyone and it's just you know i mean the energy is not not positive energy really so why you know how much do you want i mean how much do you really need yeah but they don't i mean once they've taken the earth what do they want then the moon the planet uranus yeah well yeah they can have the planet uranus i'll give them Speaker 1 that thank you very much thank you you're welcome guys toby you're next oh there can you hear me Speaker 14 yeah great um thanks simone and simon um for tonight uh three quick questions um one of them is uh when you use your account to pay for goods and services with paper checks are they can they be included yep great thank you and also and i assume it's an atm cash machine that's gone out of your account you cannot do that and you cannot do it transfer into your own account yeah no no two more quick questions um um when you buy something you buy it from say the united states using your credit card and you get on your bank statement you have a little tiny little extra little charge when they change something from us dollars do we do we submit that as well you can claim that because that's a security you paid a bill. Right thank you. If you pay interest as well Speaker 2 if you pay interest on something yes you can pay that there's interest if you go overdrawn and there's an interest charge yep you can do that even if you go even if you have a standing order Speaker 14 that bounces and you get the standing order charge you can claim that. So that's the bank charges we receive from our own bank. Yeah correct same those you can claim that back. Okay thank you. Last one the last one and that's pretty good the last one is last year I went through a process but I'm a UCC bond three-way secured party creditor yeah will that get in the way no okay I did it because it was some foundational step we were supposed to do in some other group and then use that to get something else but I never used it slightly different what you're talking about is putting Speaker 1 a lien around your name your straw man and reclaiming all this that's talking about reclaiming this everything that derives from it but it's it's actually not when you're putting the notice on it you're basically putting a notice right you're notifying you're putting it on record that you've got a claim around this name. So if anybody came for it, they'd have to come through you first. So it's not actually doing anything in the system. It's just putting a record there. Speaker 14 The UCC1 filing, right? Yeah, UCC138 in order to, you know, with that Washington State website. Speaker 1 Yeah, yeah, yeah, yeah. That's all you've done is you put a lien around the straw man's name, but it's only on record. You haven't actually, there's no transactions or anything else in the system that that would connect to. I think the next stage in the process in someone else's system Speaker 14 was then write send a legal notice and demand to the queen and all these people but i never followed Speaker 2 through with it because it wasn't quite happy what was on the page you know yeah yeah and and even if you did that um nothing yeah we've been there seeing that done that great thanks a lot simon and Speaker 1 simone thank you thank you you're welcome toby nicole you've got an interesting question because Speaker 2 i know you put it in the um chat or as i said on the cleo adverts nicole which which one is that Speaker 15 because i have i have a few which question was that one oh you put it could you could you purchase Speaker 1 something like a security loc or something and then you had another one about the cra and paying Speaker 15 the irs didn't you yeah so i understand that one now if it all runs through this central bank so canada revenue agency is the equivalent of irs so i think that's answered that would still go through the irs um and then um yeah a line of credit that's secured against the home would that be best for mortgage release or would we submit because it is its own separate account but it's Speaker 2 secured against the home oh that's an interesting one um i'll have to double check that if you can ping that um i'll make a note of that so you've actually got a revolving credit account that's secured against the home have you yes so does it operate like a bank account uh i can write checks i can withdraw i can pay bills i don't see any reason why you can't claim on that then because Speaker 15 you can actually you're issuing securities okay that's great and then if um the joint accounts um if i'm going to be the one doing all the work and you know my husband is great but he's not a paperwork guy so i'll be doing all of this but i need to send his passport and my passport no no Speaker 2 if it's a joint account and you're you're electing that you're the one who's going to be making the the joint account you only we only need your passport one time round to get your ITIN number so that's individual tax payer identification number ITIN and once we've got that the first time round that's it all the claims would be going through or certainly the joint account Speaker 15 the claims would be lodged for you as if it was your own account okay okay and then um what's the difference between the 1099 and then the other offering that's where you just kind of have the credit cards all paid back like this is all bank accounts is that the difference well sorry hold a second sorry what other offering sorry uh well where they talk about i'm going to be joining that one to listen to also where uh you set off the debt of a credit card like say if i'm going to put money on the clubhouse and paper on my courses on a credit card and then we set off a credit card Speaker 2 that's where you're just wiping off the debt as such you're not going to be so that's where you're using a different process to actually discharge the debt the debt element you're not physically claiming anything back in your hand what this will do what this does is this will actually give you uh cash currency back in your hand which you didn't go and spend again right okay and then after you Speaker 15 get these these monies back for the variety of accounts would you need to close these accounts Speaker 7 and run to another bank and open another account every year the idea is you see what what the Speaker 2 people in the know are doing is you know they have you see that a lot of these people that are running the system and they're in these these positions of power do they ever really look stressed and no they don't and the reason they don't is because they know how to play the game and they've got funds are being recycled you know and yeah okay some of them may well well they certainly i think cameron i think once produced a slip didn't he where he showed he paid tax i mean jesus you can buy those online um so you know at the end of the day you know these people they've got time to actually consider what they're doing because they've got funds and wealth behind them they don't they're not hands and mouth like a lot of people are people go out to work and they take some crap job because it's the first job that comes along because they need to pay the bill they need to eat and so they then get stuck in that job these guys don't because they know how this game works so what you're doing is you're claiming year on year on year on year on year with the same accounts if you want to change bank account and then start spending out that that's fine you're going to claim on that one year on year on year on year until you decide to change that one again you don't have to change the bank account just because you've made a claim on it okay okay it's just Speaker 15 still overwhelming like part of me wants to cry because it just seems like well too good to be true for one like and then it seems like but yet it feels like you know this i've known since i was Speaker 2 young the whole system is rigged and it does feel right well of course it is what more once you realize you've been lied to once um there's a lie under every rock yeah as far as the system's concerned and as far as banking the way that banking works and what they're up to the moment you realize there's one lie there okay certainly in my experience 15 years of it um there is a lie around every corner in every document there's just a lie there it's just not what you think it is And it's being portrayed in a way that is just going to benefit a system based entity, a legal corporate entity. Unfortunately, it's like anything. People walk through that entrance of the company building and they turn into something different. They literally are entranced. So they turn into a different type of animal. And that's it. It's as simple as that. They turn into a lying, dehumanized, they don't give a crap kind of thing. They're just money hungry and they're there to get the results. and i get it because if they don't they lose the job they can't feed their family can't pay the bills i get it but you know what you have to understand is that the parties that created this system they did it once they're in the position of power to create it and then educate us a lot and they are the ones who set up the education system believe it or not elite families set up the education system um they they can't educate you properly because you are a threat to them and and you are a threat to their family's position um and security that's the way they see it they don't as a whole that we could all work together and all be happy they don't see that and so what they've what they've basically done is they've kept the certain secrets and the loopholes for themselves so that they can benefit and they've deprived you of that information it's as simple as that Speaker 1 yeah definitely thank you no you're welcome okay ian thanks nicole for your questions yeah Speaker 16 oh hi hi guys um hello Speaker 1 i think i haven't done in three years anyway oh sorry it's okay don't worry we've muted go ahead Speaker 16 i think the couple of questions i was going to ask have already been kind of answered so it's a little bit uh um one of the things that i did um say because i i i am i have been self-employed since 1992 so i do have a business account but it's in it's in the same legal fiction name as the personal account is as well so um i'm guessing that wouldn't be a problem if it was just on the personal account there's not enough going through that i only i only put enough in there every month to just pay a few bills and stuff so there isn't a massive amount going through the personal account but the business account is the bulk of where my turnover is so um yeah any anything on the Speaker 2 business account if it's not in your personal name you're not going to be able to claim it now that's not to say that those claims are not possible and are not being made elsewhere it's It's just that the expert, he's not comfortable doing business account claims. Speaker 16 Okay, well, it is in the same name. Speaker 7 It is literally the same name. It's my name. How do you distinguish between the accounts then, if they're both in the same name? It's just simply that the bank... structure it is set up as a business account it's got the same name but it's just set up as a business account i think we'd actually maybe what you'd have to do is um maybe before you buy you'd have Speaker 2 to liaise with um ambier or something or send over a copy of the statement so we can look at it if If it's in your personal name, I don't see a problem. Speaker 17 Right, yeah. Speaker 1 Yeah, we've had a lot of people ask this question tonight about businesses and if they're a director and they're signing and things like that. What you have to remember is the company itself is a legal entity. It's an entity that is creating securities. You might be a director that acts in some form of capacity to make it do things, but it's not actually flowing from you. You are not the original issuer in that circumstance. It is the company, right? it's in that legal identity's name. Speaker 16 - It's the unlimited company that I set up on as a sole trader. Speaker 1 - Okay, like Simon says, then if it's in your name, then there's no, there shouldn't, and you're paying security, creating securities, then there shouldn't be an issue. But you just have to be mindful that, we're quite happy to process claims. Obviously we'll go through it with you and make sure 100%. If, we have to caveat it, that it may be considered as a frivolous filing or- Speaker 2 thing is, let's put it this way, if you sent something over and even with a business, a business is creating securities when it pays bills, the point is that the business would have to make the claim. Now the expert is not prepared to do those claims, so this is for the benefit of everyone else. The way in which the forms are completed, he's only comfortable doing personal claims as it were, right? Forgive the word personal but that's the only way to make the distinction. So as long as it's in your personal name, you can claim it. If it's in the name of anything else, leave it out. Don't do it. Don't risk it. Speaker 16 Yeah. Speaker 2 OK. Speaker 16 No, I am a director of two limited companies as well, but obviously they're off limits. Speaker 2 They're off limits, yeah, unfortunately. That's not to say that somewhere in the world someone's not doing that. There's probably bankers or people that own those companies that know how to process those through. But we are processing personal claims. That's it. End of. Speaker 16 Cool. Right. Speaker 2 Yeah. Sorry. Speaker 16 One thing we haven't covered yet, or you've mentioned it, and I did kind of have a little question, was you said two in three claims probably are successful. If you have a claim that is successful, then do you still have the same ratio of chance of it not being accepted the next year? Speaker 2 Or-- Well, again, it can be for a variety of reasons. As I say, once something leaves my-- possession, I've got absolutely no control over it whatsoever. You know, so we've given the example during COVID where a member of staff decided to bin a whole load of tax returns. Speaker 7 Yeah. Well, I mean, who would have thought they'd do that? Speaker 2 You know, that must mean that the IRS missed out on a whole load of tax payments as well. They've got to go and get these people to fill them all out again. So it's just madness. The reason that we say, look, presume that either one in two or two in three are going to be successful is because I don't like to over promise and then under deliver. I was always taught to under promise and over deliver. It's a customer service trick. Speaker 16 Just like me. I'm saying I don't. That's why I always qualify things. Yeah. Speaker 2 That's what I always say to girlfriends. You know, you might enjoy this. It might be the best you've ever had. Might probably won't be, you know. Speaker 1 Oh, it's so funny. Speaker 2 Sorry to lower the tone. Speaker 1 Okay, next up, let's move on. Fiona. Lovely to see your face today. Speaker 2 I know. I'm glad. A little warrior princess. Speaker 18 I'm glad it's all fuzzy because there's a lot of wrinkles on this face but anyway I'll get a better camera one day oh you're so funny oh I'll have to do an Instagram sort of angle um okay now um I am after I will confess here I have been a member of Matrix Freedom even before I knew about this place I've never bought any of their products and um but I've watched some of the videos so um does that mean you're going to kick me off should I close my account it's all down to intention you see look Speaker 2 at the end of the day um you know look there's a lot of people that have signed up to matrix freedom just just to see what it was all about yeah and then they find that they can't unsign right right you know he kind of locked you in can't unsubscribe yeah exactly you know so so there's been multiple people um you know I had a warning over on you and your cash that said anyone that's a member of matrix freedom can can bugger off we don't want you um but again there's a lot of people that have been stuck on there, they're not necessarily doing anything with Matrix Freedom. The problem with Matrix Freedom is purely because of the attitude of the parties that are running it. There's videos out there which show that Ian Stamp has directed his members of staff to go out and actively steal information from other websites purely so that he can monetize it. The problem with this guy, in my opinion, the problem with him and people like him is that he doesn't actually use his own research. He goes in, he takes other people's hard work, and he just seeks to profit from it. And what that means is that he then offers, he makes offerings, he comes up with these crazy ideas, and he thinks that he can use certain techniques in ways which cannot and have been proven not to work. But of course, the poor unsuspecting client or member doesn't know that. They trust this guy who's portraying himself as some expert when he isn't. And you don't know any better. And he's taking advantage of people. And it makes me sick to the pit of my gut, which is why I've already made 10 videos about him, which is why we've already in consultation with barristers to sue him. He's raided my website. Okay. And then he has the audacity to turn around and accuse me of stealing his information. I've never been a member on his website, not me. He added me to his email lists. He added me. He approached me to work for him. He approached us and joined our website. When we kicked him off, he joined again. I kicked him off, he joined again. I can't get rid of him. He's like a bad smell. It's like something I trod in and I can't get rid of it. And what he does is he brings the whole movement into disrepute. He really does. And it's outrageous what he's doing. And he's not the only one. There are other people of a similar ilk. And I intend to absolutely expose every single last one of them. and no when so no we're not going to kick you off yet i mean god i can see i can sense that you're Speaker 18 vibrant you're trustworthy i trust you oh well thank you i i always had um um every time i watched their one of the videos i thought yeah this is good this is good but there was always something you know that gut feeding and and and i just couldn't go i could never move forward and then your platform etp come along and i was straight in there i didn't have the doubts thank you fiona um yeah we won't kick anybody out sorry that's all right was you still answering am i talking over okay so if you've had a loan or credit card written off yeah and i'm not trying to be controversial but i used the live life claim to have my loans a loan and two credit cards written off brilliant somebody else used that jurisdiction to do that for me so what i'm getting at is if i want to do a payment reclaim and um i feel like if i try to include what i'm trying to say is if you've had something paid off can you still go and put it as part of a payment reclaim well or or would it end up you asking for their bank statements that you're kind of stirring up a dead Speaker 2 horse and it might come after you again well i think i think that you know if you if you need the bank statement so say for example you had a credit card it was active in 2019 and then in 2021 you use some kind of process to discharge the debt and it's all closed up now so i appreciate you're saying you know are you poking the belly of the monster if you go and do a data subject access request and get your copies of your statements for 2019 2020 no i don't think so um because that's going to be handled by a different department within the bank so you're just requesting that they're just requesting the copies of the statement so i don't think that's going to be a major problem most bank staff actually working inside the bank you know that most bank staff actually don't read what's in front of them on the screens um a lot of bank stuff you know if there's anything that's if you've discharged using a special process um and it's actually flown and you've had success they're not going to write that on a screen they're not going to tell they're not going to let the other members of staff the junior members of staff who are just as enslaved as we are they're not going to let these people know that you know oh yeah customer filled out this piece of paperwork and wiped off the debt they're not going to do that because i'll tell you what i would have done if i was a member of staff and i'd seen that on a screen i'd be like what the hell is that all about right i'd be i'd be inquisitive i'd want to know so they're not going to let on what will happen is that as far as a member of staff is concerned they'll just see an account screen that there'll be a zero balance and they'll just go on there and they'll just access it they'll just process a data subject access request so i don't think you've got any problems Speaker 18 whatsoever making a data subject access request okay thank you very much and i just want to say thanks for the warning as well about who we go and tell because um i know what you said about that woman where she was speaking to her accountant i'm sure she done it innocently but that's the sort of silly thing that i might do you know so so what i'm saying is is you pointing out what you might think is the obvious to somebody like me actually i need that kind of okay that's fair Speaker 2 play so if in doubt just don't say anything about it you know i mean yeah you're close friends and family yeah because you care about them and you know but singing it from i mean we've had some people who tried to earn affiliate payments and stuff like that and they put they posted up there and it's on the internet on telegram and it's just like what are you doing you know we tell you to keep it quiet and you go and spill the beans to everybody it's just madness so if in doubt just Speaker 18 don't say anything yeah i think i'll go along with that thank you very much that's all right have a Speaker 1 good one for you you're welcome fiona hey ishmael how you doing brother you're not in the gym tonight Speaker 19 i'm not showing off those muscles yeah a bit embarrassing that when i think about it now yeah but i'm not sure we answered this question uh but i'll just do it for someone else on here i'm not gonna say who but um this economist that she just wanted to know all the bills come all the bills will pay for her account which is all her bills for her dogs, her meals out and everything okay. Speaker 2 Yes, thank you. And all of her handbags and all of her shoes. Speaker 19 I did tell her this but she doesn't believe me. She doesn't believe me. She doesn't believe me. She doesn't believe me. She doesn't believe me. Speaker 1 Even the fee at ETP, if you paid that on a credit card or your debit card, you can claim that. Speaker 19 Yeah, thank you. And also the Metcrisis got a mortgage repayment that's paying for that won't affect that. I said it won't affect two different things. Am I right in saying that? Speaker 1 Are you saying if someone does a direct debit reclaim, for example, like if I paid my bills, but then I did a direct debit reclaim and claimed it all back, can I still do it then? Speaker 2 Yeah, no, you can't. So if you claim that back, right, so I wouldn't. If you've done a direct debit reclaim. Okay, so think about it. If you've already claimed back those funds from direct debit reclaim, in effect, you didn't pay it, right? Speaker 19 Yeah, no, that's not what I mean. No, she's doing the mortgage, you know, you're doing the mortgage thing. Speaker 2 All right, she's challenging the mortgage debt. Speaker 19 Yeah, yeah, which is which is quite emotion. and she's going to come back for the last three years. They got it. Speaker 2 She can still pay the payments. Yeah, because because when she paid the mortgage, a different bank account, she created a security from when the moment she paid the bill, the moment she paid the mortgage. So yes, even if she's challenging the mortgage for whatever reason, she can still claim the securities back from that bank where she made the payments from. Speaker 19 So I thought so. Yeah, I did some of that. Speaker 1 Anyone who's bought a house and put a deposit down, you can claim back your deposit. Right. you transferred that you paid that to a solicitor or to a bank or whoever. Speaker 2 And yeah, all of it. If you bought gold, I mean, look at that. You buy some gold. I can't believe it. I bought me £6,000 worth. So hallelujah. Speaker 1 Yeah, yeah. That's a massive claim then, isn't it? You shouldn't actually say things like that. Speaker 19 Too loud, Izzy. I mean £1,000 worth. I live in London by the way. But yeah, so you can claim that you created a security. Yeah. Okay, great stuff. All right. I'll let you get on. Brilliant platform. Speaker 1 way oh i love you thank you mikey michael how you doing brother Speaker 2 oh mike we just unmute me there you go hello oh is that hello yeah that's you yeah oh sorry Speaker 20 simone mikey's gone to the um medicine festival it's his dad mike okay sorry mike how are you no that's fine so um yeah so mike's too shy to ask so i'm going to ask for him he said he was going going to be away tonight. It'll be recorded. So yeah, yeah. So anyway, Mike, my husband, Mike, his name was manic Michael Hussein. A few years ago, well, about four years ago, he dropped the manic. So it's now Michael Hussein. But because we'd only just upgraded the, updated the passports, we didn't bother changing the passport and it's still valid today because obviously the last 10 years or whatever. So on his passport, it's Manic Michael Hussain, but on the bank account, it's Michael Hussain. And obviously we've got the DeedPol certificates, which we hand out as and when we've needed to. So how do we, can we still send the passports? Will the bank still recognise that it's the same person? Speaker 2 Yeah, because you're sending the proof of the change of name. So for example, even where, I mean, when you're applying for the tax identification number, the IRS will want to know whether you've ever changed your name. So particularly for girls if you've ever been married you've gone from maiden name to married name you we fill that out on the form we just inform the irs that at one point in time you didn't know you were smith and now you're green um and we send a copy of your marriage certificate and there you go copy your birth certificate and away you go so in michael's case we'll have a copy of his birth certificate and we'll have a copy of the depot and you know obviously his manic years are over yeah okay Speaker 1 great thank you no worries no worries okay excellent we've got deborah next hello deborah welcome You may have to take yourself on mute. Speaker 21 Oh, sorry, I was just feeding the cats. Yeah, so, yeah, I'm quite new on here. A couple of questions are quite simple, really. Do building society accounts apply as well? Speaker 2 Yeah. Yes, I don't see why not. As long as we've got, you'll have an IBAN. There'll be an IBAN number, I think. Is it an IBAN number? There should be an IBAN number. we have to quote from that together with the VAT number but a tax number I'm trying to remember on Speaker 21 the forms but as far as I'm aware yes they should be they should qualify. Okay I'm retired so I don't pay tax you know so would I still be able to apply for? Of course yeah okay because the tax Speaker 2 the word tax is actually as I mentioned in the webinar the word tax applies to anything that's taken from you right so even if you're stolen in slang you know certainly east london slang um you know you've been taxed um I mean think about taxi tax i you know you want to lift Speaker 21 somewhere they tax you they charge you right yeah thank you yeah thanks for clarifying that that's okay um and also I think this question has been asked so does it cover all your expenditure from Speaker 2 your accounts so yeah you can't do cash withdrawals no okay um you can't do really transfers to savings accounts or anything like that as long as you're paying bills whatever the expenditure's on whatever was that you bought right we don't need to know you just totally up and you can claim that oh great Speaker 21 that's great and um finally um so each year do you still pay that the um the the fee Speaker 2 the fee applies to each year is a separate year's claim a separate set of forms so you pay we only need your passport for the first year yeah but the fees apply to each year's worth of claims and each year's worth of claims covers however many accounts you've got doesn't matter yeah you've got 10 credit cards and three bank accounts or then each year the fee will cover those 13 accounts Speaker 21 um that's great um i think there is one more question actually that's right um how does one start this up though uh well i guess if you hang on to the end i think simone will Speaker 2 probably tell you where the links are so you can go in and buy whichever whether you want to do one year two years or three years straight up um she'll tell you where the link where to find the links i must admit i'm not that familiar with the platform as we speak at the moment so i'll leave that Speaker 21 stuff to Simone. Yeah it's interesting you said is you've got to have a minimum of 8,000 pounds expenses. I would suggest, I would suggest you know. So it's better to go through your statement Speaker 2 for 2019 first yeah. You would start with, preferably start with 2019 first. I mean you can if you want, if you want to forego 2019 because you don't want to rush, you can start with 2020. You can pay for 2020, 2021 and do that and start working on those ones. You don't have to start with 2019 but if you want to max out your potential claims you'll start on the furthest year back that you can which is 2019. And the percentage at the end if you do? Depends on what your gross claim is. Right. If your spend was over 350,000 pounds as gross you will get roughly 55% out the back end. That's after all the tax and that's after the fees for the expert. It's going to be roughly 55%. If you were below 350 grand with your total claim your total spend for that year through credit cards and bank accounts then you're going to be getting out around about 65 on average okay okay that's really good Speaker 21 thank you so much no worries no you're welcome welcome to our membership i hope you um are able Speaker 1 to use it to the best of your advantage thank you and if you need us we're around you're welcome Speaker 22 right hello dean good evening to you how are you um hello hi hi simile hi simon and everybody um just a quick very quick one um so in order to kind of do this as expediously as possible then Is it best to get all our bank statements, credit card statements and everything together collated and then ping them over to you? Speaker 2 Yeah, what I would suggest you do is immediate. So you go book the service for however many years you want to go get processed through up front. In other words, all prepared. So go book the service immediately. That gets you into the queue. Within a week to two weeks, AMB is going to be liaising with you to say, right, OK, look, you need to collect all your bank statements. So yes, you would go book it quickly. Like tomorrow, you'd be going, looking through for your bank statements for 2019, 2021. The same for your credit card statements. I'm going to go now. Oh, okay. I'm going to go now. Stop it. Come on, hurry. Speaker 19 I've got bank statements to look through. Speaker 2 After this, man, I'm going to have some food and go to bed. I'm telling you, I've got to be late. So yeah, so what you would do is that, you know, tomorrow, some people can print off the digital bank statements. All you need, it doesn't really matter whether it's paper or digital. All you need to do is total up the expenditure. That's what you've got to do. and just make sure it's the right expenditure. Yeah. I.e. not cash withdrawals and things of that nature. Speaker 1 This is why we would just probably ask for, I mean, the easiest way for people to hand that kind of data to us would be in a CVS file that's downloaded from your online banking accounts. And if you've got several accounts that you're going to be claiming for that year, then just put them all on different Excel, SVV or Excel spreadsheets that are just downloaded from your bank. But if you can't do that, you can download your statements from your online account and we'll go through pull an excel spreadsheet together for you yeah so everyone's going to be different about how they access their data um some you might you might want to go into your bank and ask them to print it all out or send you your data through a dsar you know and tell them that you want it all on an electronic um copy on a usb or you know from their portal or whatever just thinking about the quickest way that you guys could do it you know um rather than you trawling through it all just phone your bank up and say i want a full reconciliation of my whole account from statement from from 2019. yeah do Speaker 2 it under DSAR you get it for free, something to charge you for duplicate statements so just do it under DSAR to say you know I'm doing a financial review I just need copies of all my bank statements and that's it you know. But yeah in terms of kick starting the process get it booked that gets you into the queue and it gets that years reserved and that means Ambien will then get on the case to process that through your stuff obviously she'll wait for you to then present the information Speaker 22 but at least you're then in the queue as it were. Wonderful yeah thank you thank you so much for Speaker 3 for the answer thank you you're welcome dean okay laura good evening lady hi good evening hi hi uh really interesting really really interesting um just i've probably missed out a few things because i've been called away i just wanted to qualify um i've got three um several um um bills that i pay um rented properties would they all qualify is it only just one you can qualify like if it's coming Speaker 2 out of your bank account you're paying it there you go okay the second thing is i've never seen Speaker 3 my birth certificate but i do have a passport do i still need to try and somehow get my birth certificate has your name changed since birth uh funny enough when i discovered it after well i've seen it on on the online but i've never actually printed it was like a hundred dollars and i thought it's just not worth it my actual name wasn't spelled as l-o-r-n-a on the birth certificate it was l-o-n-a but for some reason my mom's just i don't know what happened now yeah right okay so you know Speaker 2 If you haven't actually physically got a birth certificate kicking around, what you do is just spell that out when you send in the information. Ambia should request this information anyway. You just spell it out. The reason we ask for the birth certificates is so we can get the spellings correct on the forms. Excuse me a second. Speaker 3 I only discovered that my name was spelled before in 2016, so I've always, in every documents, had Lorna Reynolds about the way that it is. Speaker 2 Yeah, but as I say, they just ask just for the record, they just tally it up. obviously you've got to understand they will actually link everything back to your birth records it all links up they've got everything you've got to understand they've got a record of everything and so what they do is they're just tying you up from birth up to where you are now to make the claim so we fill it out on the form for your tax identification number it's no big deal the reason that we generally ask for a marriage certificate or a birth certificate is a it's easier it just shows that there's been a name change but also it's got the spellings on there but if you just make if you want to say look you attach a note you know handwritten note and say look hey my birth name was this spelt like that but i now use this that's all they want to know Speaker 3 okay and there's a certificate i've never got one i don't know well you did get married or Speaker 2 you're not married very very short and very ensuite oh really oh well um so i mean again you can include that and just say no look at one point i was married but you're now back to your maiden name i mean i don't you know i don't think it's gonna make such a big difference but just make a note of it when you send over person and facts just make a note of it last one then thank Speaker 3 you very much is that my passport is running out can i send that one in if i started the person When's it running out by? - Well, my birthday September, late September. Speaker 2 - I would probably say, go and get your replacement one. So you can pay for the service and book it. I know what you were hoping for, but the IRS doesn't necessarily see it like that. They're gonna wanna process through with a passport that's in date, okay? Speaker 3 So- - It is in date now. Speaker 2 - Oh, it's in date now, but is it gonna be- Speaker 3 - In date now, but it runs out in September. Speaker 2 - Okay, so by the time it works its way through to the, 'cause remember there's a process that's got to be sent to the irs then it's going to sit in someone's work tray and they're going to they might take four to six weeks to process that so let's take it say it takes a couple of weeks to actually process through now is that likely to actually still be in date by the time the irs agent or the irs member staff looks no no so it's not me to think that you can't go on holiday Speaker 3 not that i'm a holiday but i'd quite like to do something you know back then it's not like you're Speaker 1 not going to get it back all right but think about the benefit that you get at the end of it what's what's the what you're gonna weigh it up haven't you only you can make that decision if Speaker 2 if the holiday is you know well i've had one for many many years now i've had one for 15 years but i i don't like going on holiday per se so i i work you know i do all this stuff but the point is if i was being me personally if i had the chance of earning you know getting 40 50 60 000 whatever it is back versus me going away on holiday i know where my decision would be placed it's a one-off you only have to send the passport once it's all right when you're young which you are well hold on you say i'm young how old do you think i'm on the other end i'm on the edge Speaker 3 tipping over so i'd quite like to go somewhere before i fall flat well how old do you think i am Speaker 2 i have a guess oh you're much you're about 20 30 years younger than me when you're 50s no definitely but how old do you think i am you're in your 50s i am yeah 53. Speaker 1 not over 100 are you ah i can see the ladies with the glint in their eyes simon which dtp dating Speaker 2 um laura is that answering your questions yeah i think that's all right i would say look just get Speaker 3 that sent off yeah right putting any holiday back a few months statements um evening one Speaker 1 year will be a lot of statements because you only need your bank statements for each account right for for 2019 yeah so if you're going to go through for 26 you'd need 36 because there's about three bank accounts four bank accounts yeah that's it yeah that's it yeah it's months isn't it Speaker 2 it you're doing about months we process claims through with people that have had like 15 16 accounts so all right it's no big deal all right thank you very much thank you no worries lorna Speaker 4 earth g last but not least ah guys you've done a magnificent job i mean i wouldn't have missed this for anything uh it's it's been wonderful thank you simon you've done so much work and it's appreciated um simone thank you for bringing it all together much obliged uh just a quick question on a tax id we were already paying tax so we do have a tax id is it the tax id that uh that you mentioned uh simon is is is it different to the one we already have no so if you've got a social Speaker 2 security number from the states or if you've got a tax identification number from the states you can use those numbers no we're not from the states i'm from the uk katie sure so you can't use that number you need we need an american item number okay so we still have to go through the process we still get the process to get that text because they just got it it's just the way they recognize it on the processing system that's all oh excellent thank you so much you work hard enough i'll let Speaker 1 you go home now okay thank you thank you okay well that's enough with the hands up and there's no one else um in the queue to ask a question so is there anything else that you want to say simon um i would Speaker 2 just say look you know certainly if you want to get a claim in for 2019 um speed is of the essence because we want to try and get your paperwork across as soon as possible so in other words get on there book it book the service like i.e now or tomorrow um preferably do it on credit card and then preferably pay that from your bank account because you'll actually claim back more than what you're spending out right um and then as i said gets you in the queue so if you paid for it now the weekend you know you've got your weekend's work it's just going to be spending a few hours collating all your bank statements getting them across that means that in the fastest way possible we can get ambier on the case she can complete everything tell you what else that we need you you will need a scanner of your passport to take a scan you will need the passport there ready to send off to us. And then she can go through everything else with you. And it just means that the quicker we get that information, the quicker we get you signing your forms, the quicker we can get that off to the IRS. We don't necessarily want to leave it to the last minute. Okay. As I say, I've said this to the people over on you and your cash before. I know a lot of them paid no bloody attention to what I said, and they left it to the last minute. And it just gives me stress. This is why I've got a gray beard. This was all dark last year. So this year, what I did people over at you and your cash was i actually i actually lied to them a little bit white lie i told them that the cutoff was july so i've actually got 80 to 90 cases sitting here waiting to go to the irs but they've all done and i'm under no pressure because it's all been done in advance so that was leaving you know space in anticipation that this relationship was going to be taking off so we've created the space for you um don't waste the space right get your stuff done sooner rather than later okay take it from someone that's been there seen it done it get it in sooner rather than Speaker 23 later okay thank you okay nisha you got a question very quick one yeah okay guys um uh yeah thank you for today um i understand i fully understand that credit card balance transfers you haven't created a security nothing is gone out spent so balance transferring from one credit card to another doesn't count but what about the interest like if you're charged interest on those balance transfers outstanding credit cards always have interest charging you all over the place the interest Speaker 2 the interest on a credit card you can claim yeah and if that intervene from balance transfers it doesn't matter what it's come from the balance transfer itself because the problem is it can be abused if you're just transferring balance transfers backwards and forwards and this kind of stuff um but the interest is the interest interest is interest it's a charge it's a security it's a Speaker 1 bill that's been paid but you're paying it all those um fees as well that you get charged right balancing yeah when you transfer you get charged or if you've done late payments all the charges that you've incurred they can be claimed back okay got it and what about where you from current Speaker 23 account to your prepaid top-up card because then you're using that top-up card to go and spend Speaker 2 when you say it's the top oh sorry so when you say top-up card what kind of card would you like a Speaker 23 prepaid uh you know sometimes you might get like a prepaid mastercard or a prepaid so then once that card is topped up from your current account you then go and spend on that card i would say if Speaker 2 you're in the habit of actually topping it up and then spending all of it then i would say yes you can certainly do the credit card one if it's a prepaid credit card and then you spend that then i would say i would say yes from the card if you're topping up the card and then you know you're in the habit of just leaving it on the card and it doesn't really get spent but then you know it's almost like having it in a savings account because you can draw it you see what i'm saying you can put it back again you've got to be wary of of of of not claiming for the transfers which are just backwards and forwards because it's not necessarily that you couldn't claim for it i mean maybe it would go through but in my mind it's almost like it's it's not actually been a proper bill as it were and so if i was in any doubt about that i would leave that out okay so that's my little Speaker 23 phrase which is if in doubt leave it out and your equity maxim if in doubt leave it out that's the Speaker 2 one i've just made up yeah that's my equitable maxim yeah okay great okay got it thank you okay thanks niche okay big p Speaker 17 how you doing man you're right yeah not too bad first time on here anyway but there you go oh yeah well thanks for all the advice but the ones i got anyway because i'll come on late to be honest with you i know it's gonna be um i'd be able to see it again but oh yeah it'll be replay Speaker 1 it'll be replaying the platform so you can go back to it at any time i think i know the answer to my Speaker 17 question i'm going to ask you go on no go for it go on right i had some tax back from i think in 2019 because i was told i'd be able to get some fuel money back and i'm just going back and forth to work and software you know so obviously i probably can't claim that back either Speaker 2 can i so when you say you had some tax back what would you mean i i put a claim in for some fuel Speaker 17 and things like that that i was told i was playing all right um from your employer or something yeah yeah um and i'm assuming i can't claim that back because it's already been playing for Speaker 2 well no well actually so so what you did was you you spent money out for your employer for work petrol fuel all that kind of jazz and then you put in an expenses claim with your employer but Speaker 17 you still paid that out right yeah the only trouble is i pay cash all the time so i'm probably all Speaker 2 right now so anything that you physically paid out cash obviously there's no trace of it it's not created a security per se which is going to be traceable and there's no bank to claim that against because that just left your wallet so yeah unfortunately paying in cash leaves you stitched up i mean i'm in exactly the same boat as you i don't use a bank account so for all the research and all the getting the service provided for people guess who can't actually make a claim because i don't even have a bank account it's me i don't have a credit card or a bank account i mean how gutted am i so i just have to watch other people and hope that people buy me around when when they get their claim through. I have to hang around and loiter. Speaker 17 And obviously, any past. If I had a-- I think it was late and later, I heard a question, the answer to this question anyway. I'm probably being a bit dumb, but-- Speaker 2 But never speak that over yourself. Yeah, no, no, you're not. Until you ask-- asking questions is how you learn. So you've got to ask the question. It doesn't matter. And there'll be other people that probably got the same question flying around. So don't be afraid to ask a question. Speaker 17 So I know one person can claim that because I was married, one's a pilot on that way sort of thing. And even though we're in joint names on the mortgage, okay? Probably will explain myself that I'm trying. Mary's trying, as I say. Speaker 1 Well, Pete, take your time, love. Don't worry, and don't be nervous. We're a community here, and you're safe, okay? We give you permission to be yourself and express yourself how you'd like. Speaker 17 I'm just not great at speaking with people. Yeah. With that, if I was, it was back in 1996 when I took out a mortgage, paid out until I got divorced three years later or whatever. So if I put in the claim, I'm the only one who can claim on that anyway. Speaker 2 Yeah. I mean, going back to the '96 through to '99, you wouldn't be a claim on that using this process purely because we can only go back three years. But if, for example, if, for example, you had, let's say that this had only happened a few years back. So let's say that you'd had, you know, you got married, you start, you bought your house, you're paying your mortgage. It's a joint account. It's a joint mortgage. It's coming from a joint bank account. And then you split up in 2020. She went her way. You went your way. You find all this stuff out. She hasn't got a Scooby-Doo. You put the claim in on the joint bank account for 2019 and 20. Yeah, you can do that. In fact, funnily enough, my brother who actually got divorced, right, is waiting because she turned into a nightmare. They went to school, we went to school together. But she, they had a joint account and he will be putting in, once she's actually gone fully and she signed all the final court papers, which she's just waiting for, he will be putting in a claim on the bank account to which she was a party. Because she doesn't have access to this because obviously she's divorced from the family now, so she's not going to benefit, but he will, obviously, because he's my brother. thank you Becky isn't it so well yeah yeah so so yes so he would be a so you would have been able to go in and claim on the on the on the joint account purely because she's not going to lodge Speaker 17 a claim because she doesn't know yeah yeah thanks very much for your time no worries you're welcome Speaker 1 you're welcome okay um snap one two three now you're not allowed to speak for the rest of tonight Speaker 24 i'm joking go on gerald it's gone where is he hi simone hi simon thanks for the presentation this evening so i have a quick question um i'm sorry if my if there's any delay my my service tonight isn't very good among the on the mobile using the mobile service um my question is i've got a friend who's kind of basically been living in the private for quite some time and uh that person doesn't specifically donate to you know money to the well-known taxation organization yeah um is registering with the tax office in the united states going to affect that status of privacy Speaker 2 in this country no not at all because it's not actually you know look at the end of the day if if expenditure was uh made back in 2019 20 or 21 that expenditure took place through the straw party anyway it all takes place through the straw party onto that trading platform right which is the game of monopoly the fictional game of monopoly we're playing so just by registering over in the states um or actually just creating a file over in the states for the purpose of clawing back the the value of the securities is not going to have an effect over here Speaker 24 right okay and the next question let's say that person decided to move to the states in like five years time for a bizarre reason for whatever reason would that person automatically then be kind of like having to pay tax in america no they well as has actually been shown on multiple Speaker 2 occasions the only reason that you pay tax is the same over here um if you've decided to assess yourself and fill out a self-assessment form and sign the bottom of it then you are confessing that you owe tax and they're not going to disagree with you so the agreement of the parties makes the law of the contract makes the law um therefore they agree and you've confessed and they'll accept your confession that you owe them some money likewise if you want to confess that you owe me some money I'll give an address to send it to Gerard. Right. So that's the way the tax system works. Right. So it's exactly the same in the states. They don't call it a self-assessment form. They call it a 1040. Speaker 19 Right. Speaker 2 Now we will be filling out a 1040 as part of this process. But the way that we fill it out is not to pay tax is to claim it back. All right. Yeah. Understood. Thank you. No worries. Speaker 1 Excellent. Toby. Speaker 14 Hi there. Sorry, me again. One quick question. If you owe money to HMRC, the tax man over here, maybe some overpayment of some benefit back in the day and have paid it all back, will that upset the process? No, it shouldn't upset the process at all. Speaker 2 One thing you need to be aware of, it says depending on how much it is, the tax man changed some rules over here whereupon they unilaterally stated that they're going to come in and if, depending on how this depends on how much of a grip they've got on the UK banking system um they basically said that any amount over 1500 pounds which is owed to the taxman or that they suspect or believe is owed right they can then seize from a bank account now they can only take what they're owed if or if they what they believe they're owed so depending on the amount you're talking about and depending on the amount of the claim the only thing that you could possibly have to be wary of is that if you've got a check from the IRS coming over in US dollars and you decide to bank it in a high street bank over here um all you have to be aware of is that the tax man if they're keeping if they're if they're vigilant and if they're on the ball and depending on what slays any kind of argument or dispute is going on that over here with them they could potentially try to seize that amount from what goes into the bank account i guess one way around that would be to protect well again depending on how you get about you know if you get about um would be to open up an account you know i don't know maybe an overseas account or something like that but that could just be too difficult so if you're not talking about a great amount and if your claim is going to be quite sizable even if they did worst case scenario even if they did dive in and seize that portion well this is what this these funds are basically for is to discharge anything that's causing problems right because it's like it's almost it's almost like free cash isn't it that's what it feels like when you get the check through so so i've been told well i'll wait i hope it goes through okay thanks very much yeah no worries obi martin just got on mute bottom left that's it Speaker 25 hello hello first of all apologies in advance if my question's already been answered or sounds totally stupid but it's actually your fault um because of the ramifications coming out of tonight's meet my lovely cheers and i'm a bit the worst for wear forget what my name is i'll get i'll get my question out what in our effect transfers from one bank to another for instance scenario is um i'm self-employed sole trader i use a straightforward current account as my business account it's not a business account it's a current account in my name as an individual yeah across the line with that yeah and i pay into another personal account i pay myself what is in effect basically a salary okay it's a transfer from one bank account to another but it's for a genuine reason so that should be all right to claim i'm going to start some of the problem very shortly Speaker 1 what we don't what we don't want is is we're a platform all about equity right equity is all about what is just what is right what is fair what is conscionable so if we're going to be teaching you how to operate consciously in equity as beneficiaries in your rightful true place and in honor then we're not going to be teaching you to go and do things in the background that make it look no i'm not saying that you would but there are people that do that you know they would be creating all these transactions to themselves back and forth and then going to claim well that will get you into trouble that will get the irs after your ass yeah that will flag i get exactly exactly so for Speaker 2 example for example yeah so for example let's say that someone had actually borrowed money from a family member and then they're paying it back by bank transfer that's quite acceptable to claim because it's for a genuine reason right and i think and i think the reason that um you know these kind of things is looking at whether it's genuine for a genuine purpose or not it all comes down to that it's trying to encourage people not to fall into the trap because others have of trying to create these entries it's not to say that that wouldn't go through but you're kind of tempting fate and also it's not necessarily just from the irs that you're attempting fate you're actually more over tempting fate from a money laundering point of view because the uk banks would see all this money moving around they're linked in we know they're linked in with hmrc now because hmrc as i've just mentioned can come in and grasp this money so um or take overseas bank accounts or bank bank balances so the point is they look at their records if they suddenly see you know somebody say someone's gone crazy and they normally have I don't know they earn 25 grand a year and they start pumping around you know five grand is doing the rounds every month and all of a sudden they've got so they've got 25 grand salary but they're going to make making a claim of a spend of 60 grand well where did they get the rest of the money from so what do you think might be going through the minds of those that are observing this they'll be thinking well hold on 25 grand income 60 grand spend is he a drug dealer is he a criminal is he money laundering and then they start freezing accounts and it causes problems so it's more from that perspective that we try to say look you know yes you could try to manipulate it yeah you might get away with it but is it worth the risk it's probably better to err on the side of caution go with what's genuine what you feel is you know i've got no qualms standing there saying look i've just claimed back what i am genuinely Speaker 25 owed back and then that's it you can't go wrong no danger that i'm pleased i'm pleased for you if Speaker 2 you're gonna crack open another bottle well done no the trials for all of that you know going back Speaker 25 about four or five years and it is for you it's quite apparent it's for a genuine business reason Speaker 2 you're fine then and if as a result of tonight's celebrations you find yourself with a new addition in nine months i hear simon's a good name Speaker 26 so i'm self-employed but my account's just in my name yeah and um i i sold a house at the end of 2019 so if am I right in thinking that I can claim back my mortgage payments Speaker 2 for the whole of 2019 yeah so if you paid out if you paid out from your bank account to your mortgage company each month during 2019 yes and then you just paid off the mortgage when you sold the property at the end of 2019 yes you can claim back that year's mortgage payments right from your bank's sake from whichever left your bank account you can claim that back yeah that's great and what Speaker 26 because I don't earn a vast amount every year and I know you've said there's an 8,000 minimum. Speaker 2 That's what it's not official cut off but that's what we suggest. Would it be worth me doing three Speaker 26 years all in a row rather than separately? Well we have to lodge them separately because the IRS Speaker 2 processes them through yearly chronologically so they start off with the oldest year then the next and then the most recent right so we have to file them in a separate claims so the reason we give the 8 000 pound cut off point is purely because you're getting into the realms where you know if if it doesn't pay off that one year you know we don't want you being heartbroken from it you know if you take it if you look at it as a gamble but it's a gamble with really good odds and that's the best way to look at it but if you're getting down to low amounts then it becomes more of a gamble because you've got you know it's such a big percentage of what your your income is you know Speaker 26 it's a lot to risk right okay so just just think you know if you want to take that gamble take that Speaker 2 again but as i say we processed one through he got he got his check two months ago four and a half thousand dollars three and a half which turned into three and a half thousand pounds now i personally wouldn't have taken that risk but he did paid off paid off so you got it i'll be fine yeah yeah yeah yeah i hear you yeah i hear yeah great that's great thank you very much Speaker 1 thank you both very much you're welcome you're welcome okay anybody else Speaker 12 um uh kate wants to ask you a question hi everyone i'm just hearing that is it eight thousand income or eight thousand expenditure eight thousand expenditure okay just want to Speaker 2 double check thank you because that's what's going to be your claim yeah yeah excellent josephine hi Speaker 27 welcome thank you so much for your all your hard work and uh deliverance and sharing your knowledge i'm absolutely overwhelmed oh you're welcome wait just a quick question uh when claiming back uh extended you through your bank statements i um for a credit card uh bill payment do you need to actually provide uh your historical credit card statement just to audit what you can and cannot Speaker 2 oh i'm serious yes if you're if you're confident i mean ambia is on on hand because you know on the etp platform they like to actually give you the helping hand and do a lot of the work for you if you feel confident actually totaling it all up yourself then you can totally all up yourself but you we certainly don't have to send those statements to the irs the irs doesn't get any of that they just get the figures on the forms and that's it i closed my credit card down a couple Speaker 27 of years ago but i could claim for 2019 2020. you could still claim for the closed account yeah Speaker 2 closed accounts as well if you just do a data subject access request phone up the bank get the copies of the statements sent out to you and then you can rush through a claim for 2019 on that closed account thank you are you a bit shocked in a good way yes oh my goodness yeah Speaker 1 all closed credit cards accounts um bank accounts same thing Speaker 27 i think we are as well indeed you are indeed what have you set yourself up for well thank you Speaker 1 you're welcome no problem at all and what's the cutoff point simon stacy's just asked in the Speaker 2 I'm presuming you mean the cutoff point in terms of when we lodged the 2019 claim. Well, 2020, sorry, did someone say? 2023, isn't it? January 2023? Well, you have three years and three months, right? So three calendar years and three months. So we have to get it with the IRS. They have to receive it by the 31st. So, for example, 2019 would have to be, they have to physically receive a claim before the 31st of January 2023, because they have to claim the funds back under salvage before the end of April 2023. they have three months, they have to the end of April to claim that back. So we have to give them as much time as possible to process these things through. We don't want it sitting in someone's work tray. So it's more prudent. That's what I'm saying. If you want to claim for 2019, book the service now. At the weekend, you know what your work is, right? You've got to take a few hours out to gather all your bank statements, credit card statements, this and the other. You can totally up yourselves over a glass of Chevrolet or whatever it is. Have a bit of excitement, right? So you know what you're going to be claiming, yeah? And then you get the stuff over to Ambia come Monday. all right um or you put your orders in with the bank to get the statement sent through to you but you can already start that process you can already start totaling things up you know you can scan a copy of your passport onto so we've got a digital scan of it pdf and then you've got your passport to the side ready to rock and roll and then you just liaise with ambia next week and she can talk you through what else we need this is literally one or two forms bits of small bits of information that we need in order to complete all of the forms um and then it's literally just a case of getting the passport over to us together with the figures that ambia would have correlated with you we get that over to the expert he can then produce all of his documentation we get it out to you to sign once that all comes back the original passport the signed documentation we then courier that to the irs and we try to get it over to them as quickly as possible to give them as much time to claim the funds back and of course the quicker we get the claim over to them the quicker you get your check back right because if you play it right you can potentially earn two years claiming in a year you know so if we get 2019 overnight like you know in the next couple of months for example The cheque should come through within, say, let's say six months of it being lodged with the IRS. Well, once that's come through or once we know it's all gone through and it's in the process, we can lodge the next claim, which means that next year you could potentially claim, receive the cheque for 2019 and then lodge and receive the cheque for 2020 all in one year. Speaker 1 Yeah, and it snowballs. Like I said, it's like that, right? Because as soon as you start spending that money again, recycling that money again, you just claim it back the following year and your spend the following year gets even bigger. Speaker 2 your return gets even bigger so you yeah discharge it I mean again you know we've got some plans I drew I dropped some plans for people over at you and your cash just as suggestions as to how you might want to manage the funds you know and you can either just pile it all into debt or for example you just do the 50 50 you keep 50 back and you spend the other 50 to discharge debt you know of the 50 that you keep back you're going to put that into savings of some kind you might want to then split it again so you put some into because you always split you don't put everything in in one basket right the old saying all your eggs in one basket so of what you're saving the half of the claim that you've saved you may well then split it again and you might put half into gold and silver and then you put the other half which is going to be into currency normal bank currency but i would split that that half into bank currency again i put some in the bank and i'll keep some in cash and that way you're kind of covering your ass in case you know depending on what's going to happen yeah um but again if you're you know quite confident if you're you know if you've got debt and that's concerning you if you've got a mortgage and that's concerning you may well just want to smack it straight off the mortgage because that will reduce your actual interest payment long term as well all you have to be aware of is if you're in some kind of fixed interest plan with the mortgage company you want to make sure that you don't exceed um any kind of lump sum payment where they say you know you allow 10 and then you start getting penalized you don't want to incur the penalties so you have to play that kind of game if you're in a fixed rate kind of deal or something like that or cap to deal for a certain period of time just be aware of any kind of penalties from lump sum payments they limit what you can pay off in the in the fixed rate period perhaps um but otherwise you know that's just suggestions use your funds you do what you want want with it. Want to take me out for a meal? You take me out for a meal. I'm not going to stop you. Speaker 1 You're pushing it now, Simon. You're pushing it. I know. I know. I'd be working. I wouldn't be able Speaker 19 to go for a meal, would I? Izzy. Yeah. So is this all going to be live tomorrow? It's live already. Speaker 1 It's been live. Yeah, it's live. Do you want to tell everyone where to go and get their way to go Speaker 2 and book the service, Simone? Because I haven't got a clue. Yeah, absolutely. Well, I'll actually Speaker 1 just share my screen and then you can see. I have put the link in the chat, but if you go to the platform um you you'll go to the clubhouse as normal um you'll go to benefits because it's a membership benefit and then you'll see it's the last one that's been added to our clubhouse and here it is here so you can then select your options whether you're a standard member premium plus or or whatever and put your order through you'll have a form to fill out pre-qualification form that comes into me and then ambia we will i will contact you to set you up for a pre-qualification meeting so you'll all get that those people that are putting their orders through you have a prequal with me so yeah there's a lot to take in and we want to make sure that you're making the right decisions for you so you get to you know you'll still have time to ask us questions you know find out any other nuances that you're not sure about you know we can then talk a bit more detail about your accounts and what can be included what can't so so you'll get a pre-qualification meeting don't worry about that um and then you'll move on to ambia who will take it over and make sure that that information is collected in the right way in the way that the expert requires it with your passports and everything else okay so so she'll be hand holding you uh you know helping helping you hand holding through through the process so you're not alone um it will be your first time there's a lot of uncertainties with with first time products but uh some of you are going to be our guinea pigs first time around first for everything first issues you're you're the original issuers of your Speaker 2 securities right so yeah when Simone says guinea pigs not really guinea pigs this has already been Speaker 1 done successfully you know what I mean but I know it's the first time for ETP yeah yeah yeah okay um I think that's it then has anybody else got any other questions before we wrap this up we've been going quite a while no okay that's great good stuff I decided to take my dumb profit at the same Speaker 23 time as uh oh it's niche i've got a quick one hi niche yeah we cover crypto and uh like crypto Speaker 1 your crypto isn't um money in the banking system okay it's a completely separate independent asset class that it sits outside the fiat currency system however if you are making transactions those initial transactions can be claimed back okay yeah so if you're investing initial transactions buying the crypto yes because that's in your bank account or your credit card then yeah yeah right okay isn't it it's all devastating if you knew about this before you might think more strategically about how you're spending it and when you're spending when you're what you're paying off and we wouldn't be fighting all these bills would we i think there's going to be a mass spending starting tomorrow in the uk uh be careful niches that mission on it thanks guys anyway you're welcome Toby, last one and then I'm going to wrap up because it's late. Speaker 14 Last one. Thank you. Just to carry on from Anisha there. So you said I bought cryptocurrency and then at some point from, say, Coinbase, I transferred it into, I changed it into pounds and then brought it back into my bank account again. I took a bit of a haircut actually. But does it matter the fact that I bought a load and then it ended up being turned into pounds and going back into my bank account? Speaker 2 No, that doesn't matter because you made the initial purchase. So the initial purchase created a security. Speaker 1 well that's music to my ears thank you you're so welcome we knew this would blow your minds we just knew yeah well the replay will be in the website i'll try and get it in tomorrow and then you guys might want to come back and visit some of what's been discussed and the questions that have been asked i'll also put the chat conversation in there as well because you might pick up some things from there um apart from that it's been an amazing evening i've really enjoyed being with you and I'm sure Simon has as well. Speaker 12 That's good. Speaker 1 Yeah, good. Speaker 2 It's nice to give people good news, isn't it? Speaker 1 Absolutely. Absolutely. But yeah, thank you very much for your time, Simon, and giving us the presentation and the knowledge share. You've really encouraged a lot of people this evening. You've really empowered a lot of people this evening. And I think this is just the start of something amazing in ETP for all its members. So thank you, Simon. You've been a real blessing to us. No worries. Yeah. Thank you. You're welcome, guys. Good night. What's up, love? Bye. Bye. Bye. Oh, you're so Welcome.