Thank you.

Speaker 1
very briefly what it's all about and hopefully this will get you excited as well. So before you start

Speaker 2
just to say that we actually have done a three and a half hour educational webinar on payment reclaims the process and we've gone into a lot of detail. That webinar is already in the platform under payment reclaims in the platform but tonight we're just going to do a light touch going over some of those key aspects within that educational level so that those who aren't familiar with it can get up to speed and understand it okay yeah so um so here we go look um

Speaker 1
when you when you get down to looking at the system and how it actually operates it's very much like a game of monopoly all right and in a game of monopoly most people have played that game with their mum and dads or with their families. And everybody's aware that monopoly money, you know, it's the old thing. Monopoly money equals fake money. So, you know, there is no money in the system. All right. So what we term is money of substance is gold and silver. Right. It's actually got value in its own right. That's money of substance. Money of exchange is paper money. OK. Promises. All right. Or bills, as we call them. And then we've got money of accounts, which are basically just accounting entries. What used to be accounted for with a quill and a ledger is now accounted for digitally. So digital money doesn't actually move down phone lines or anything like that. Accounts are just adjusted, which makes it look like the money has traveled down the phone line. But digital money is actually just accounting entries. It's just a record of who owes who what. That's it. Now, this is all substantiated by these various acts. So you've got bankruptcy acts, the Federal Reserve Act, the Gold Standard Amendment Act. All right. And in effect, what we've got is fiat currency. Fiat currency is nothing currency. All right. It's backed by nothing apart from your confidence, faith and belief. Sounds very much like a religion. So, you know, ultimately, when we look at how the system operates, So it is not difficult to come to the conclusion. In fact, common sense, actually. And it's quite provable that banks do not actually lend anything. All right. They cannot lend anything. Because back in 1931, when the Gold Standard Amendment Act was brought out, that act severed the ties between the substance and the promises that we hand around today. I promise to pay you money, right? I promise to pay the bearer on demand a sum of £10 or £20. What had happened in 1931 is that there was a run on the Bank of England. And the Bank of England had issued too many receipts, okay? In other words, it issued promises for gold that it didn't have. Now, that's called fraud in anyone else's book, all right? But that's legal over in the system. They're allowed to commit that fraud. But because there was a run on the Bank of England, they had to the government had to step in and declare a national emergency. I would have said a banking emergency. And they passed this Gold Standard Amendment Act where they severed the ties between the gold and the receipts because there wasn't enough gold to go around. Now, easy to understand. If someone cannot pay their debts, what are they? They're bankrupt. So they're in that act of parliament confirmed that they the banks were bankrupt. They could not fulfill their obligations, their promises. Therefore, they are bankrupt. And you can't get anything out of something that's bankrupt. What you have to do is put in first in order to get out. And therein lies the proof that the system as it stands at the moment is prepaid. This is that we're talking about the banking and legal system. That coupling is prepaid. It has to be because you can't take anything out of something that's bankrupt. All right. So all we can pass around now are empty promises. All right. And those that don't understand how it works are satisfied with that. Others that do understand how it works can actually either manipulate those that don't understand. And this is what banks do. They manipulate people. Alternatively, those that understand will go or look to try to hold money of substance as gold and silver. All right. That's where the money is. That's actually money. Now, because we can only pass around promises, we can only promise to do things without fulfilling those promises. All transactions are therefore we're dealing with securities. A security is the promise. OK, that's what a security is. Quick explanation. If you and I have a verbal agreement, you may or may not believe I'm going to fulfill the promise that I make you. Right. A contract is effectively two promises. You promise to do something. I promise to do something. Well, verbal contract is verbal contract. Right. People may or may not stick to their word. However, if you put that in writing and you promise to do something, well, that gives a greater sense of assuredness that someone's going to perform. And that gives a greater sense of security. Hence the fact that a promise to do something is a security. All right. And that meets the definition. OK, it's that which provides a greater assuredness of performance. That's a security. So we are constantly whenever we pay bills in the system, we are creating securities all the time. We're creating new securities, new promises. All right. Now, there's a maxim, obviously, he who creates owns. And if you're creating all these promises, then technically those promises belong to you. All right. You make a promise. You own it. You've got to stick to it. Right. You've got to fulfill it. But when it's when we're talking about banking and we're talking about bits of paper which have been created and sent off into the nothingness that is the system. Whereas the creator, everything must return to source. All right. Everything must return to source. So what's supposed to happen with this system, if we look at it from an altruistic point of view, is that we are supposed to be able to create some funds, some securities, put them in, they return to source and we recycle them. We recycle them. And, you know, a lot of people will be aware that, you know, because we're promising, we can only promise to pay everything. All the currency in that system is there for a debt. It's all debt. It's all promises to do something. well if we want to keep debt to a minimum if that is a bad thing and we want to keep that to a minimum well then recycling the debt is surely a better thing than creating lots and lots and lots and lots of new debt okay we can which comes with interest yeah sure so we can keep debt limited and of course by recycling what we've done and getting the maximum you know we're optimizing the time and the energy that we've invested to get these promises or create these promises and be able to pay bills, by being able to recycle that, we are optimizing the time. We're getting the most out of that time that we invested the first time around because actually your time is priceless. But unfortunately, in this game, we have to put a price on that priceless time and we have to discount ourselves down from infinity down to £10 an hour or £20 an hour or something like that. But being able to recycle those securities means we get extra value out of what we what we had before and let's face it you know we are the value okay we're priceless moving

Speaker 2
on okay i would say that the um the education that's already in the platform goes into much more detail about securities um and also about the laws of salvage and the laws of abandonment which all comes into play when we're talking about the 1099 payment reclaim so i do recommend people go

Speaker 1
and watch that if they haven't already yeah you've got three and a half hours of presentation and another two hours of q a added in there so you know we're trying to give a brief pricey of this so um you know just be aware there's a lot more you know a lot more depth in the main presentation um this is just to whet the appetite for those who are not familiar with this right yeah so so look um you know what is basically available to people let's you know let's get down to the nitty gritty here is that if we said to you that you were able because everything must return to source if you were able to claw back all the bills that you'd paid right because you've every time you pay a bill you're creating a new security and that is supposed to return to source but it isn't returning to source for a number of reasons one you didn't know you could claim them Two, you didn't know you were creating them. You didn't know you were creating securities. They didn't know you were creating them and you didn't know you could claim them back. And if you don't claim them back, the banks get to keep them. So it's not in the bank's interest to tell you about it. And in this game, you are expected to know the rules of the game. Right? That's the rules of the game. You're supposed to know the rules. And if you don't know the rules, then you're stupid for playing this game. Like putting yourself on a poker table when you don't know the rules of poker. You don't bet your house on your hand when you don't know what you're doing. But this is exactly what we've been doing because we've been tricked into this commercial game of monopoly. So if you were able to claim back what you've been paying out. Well, now you've got the opportunity to get an influx of cash, which you can then use to effectively discharge debt or do whatever you want to do with it. We would suggest discharge debt or use it, you know, split it up in certain ways. But you certainly don't want to go spending it. Right. Well, you want to spend it, but you don't want to spend it on going on holiday and buying a new car and this. You want to use it to discharge that you want to be sensible with it, because this is something that we never had before. But we've discovered that we can have. So you want to make the most of it. Don't waste the opportunity. So this benefit is available. to members who are on a paid plan all right you we can only go back because of the laws of salvage and abandonment as Simone just mentioned we can only go back three years which means that this year we are currently claiming for 2020 and the claims are routed through the IRS so we are working to the tax system as it works in the states in other words calendar years which I think is easier 1st of Jan to the 31st of December. So for this year, OK, 2023, we can go back to 2020. That's the furthest we can go back. If you want to start from three years ago, if you want to come straight in and say, you know what stuff, 2020. Covid was there. I didn't really spend much. You know, I want to go in at 2021 and start with that one. Yeah, you can do that. Or if you say I want to start in 2022. Yeah, you can do that if you want. but in effect you can go back three years if you want to and you can claim anything that you've basically paid out of your credit cards or your bank accounts in your name whether they were open or closed yeah well whether they're open or closed now yeah so as long as though they had to be open at the time for you to use them to buy to pay something right but you can basically all the four rules are actually in the you know in the in the main um seminar or webinar but in effect everything that you've paid out you can claim back the only thing you can't claim is cash withdrawals right that's pretty much the things that have been refunded as well yeah yeah but it's what you've spent right that's what you can claim so um yeah let's move on

Speaker 2
okay what we've got is a working example here just to help people see how well this works if you maintain if you did it every year and you were successful with your claim every year this is

Speaker 1
what you could see right yeah now now the thing is look um if you are spending the funds okay sensibly i would suggest let's imagine that you've got no look at the look at the top example let's say you've got your salary and let's pretend that's not going to change for the sake of this example. You're earning your 20, you've got your salary and you're spending from your salary 25 grand a year and that spend remains the same, right? Well, as your claims are going in, you're getting an influx of extra cash. And let's say that you spend that. Well, then each year your spend is actually increasing year on year on year on year. So as your spend increases, so your claim, what you can claim back increases. And so we have a snowball effect. All right. So it shouldn't be too difficult to realize that if you've got these additional funds coming in and you pumped that into mortgage debt, unsecured debt, you free yourself up, you get rid of the chains that are binding you to that system. OK, you get rid of the pressure. All right. You can perhaps invest in gold because you can actually claim back the money that you spend on gold. You can perhaps start setting yourself up with a little nest egg, a little security blanket. Pay off some debt, buy some security blanket. All right. You use it sensibly. The point is year on year on year on year, assuming that the claims come through year on year, you can actually get the snowball effect going. All right. And it's not going to take too long for people. We figure that on average, you know, it could potentially take something like seven to eight years to clear their mortgage off. All right. I think that was working on something like a 250 grand mortgage with an income of something like 25 grand. Okay. We did an example over you and your cash, but you can work this out for yourselves. All right. Now, if you're spend in a year on all your credit cards and your bank accounts, and by the way, there was a question earlier, can you claim on a joint bank account? Yes, you can. But you and the wife or you and your partner can't claim on the same account, one of you has to nominate who's going to keep that account and claim for it long term. Whoever you start off with, that party must continue claiming on that joint account. All right. It becomes their account for the purposes of these claims. But if your income, if you spend is below 350 grand, all right, then you're going to be paying effectively 25% tax to the IRS because it's all processed through by the IRS. But you're also going to be paying a back end percentage to the expert to do this for you and to fill the forms out. Right. So he gets a success fee and there is a fee up front, which we'll talk about in a moment. But on average, once you take all those percentages into account, you're effectively walking away with somewhere between 60 to 65 percent of what you spent. All right. Likewise, if your spend in a year is over 350 grand, you're not going to be paying 25 percent tax. You're 40% tax, but you're still going to have a back end fee to pay to the expert. And so you're going to be walking away with around 50 to 55% of what you spent out, but it's still free money. It's free cash. Recycled. It's something is recycled. You didn't have it. You didn't know. Some of you may not have been aware that you could even claim this stuff. Now, I don't know if you want to move on to the next slide. Now, here's some examples of checks. We can't show them all, but you can look at the dates, right? So if you look at top left, that was in the year 2022. That check came through October 22. All right. And it's got at the bottom. Look for the year Austin 2012, 28, 12, 2018. So that's for December, for the year ended December 2018. And it's a tax refund. All right. If we move to top right again, that was a check from 2022. Okay. Again, bottom, Middle. From Austin, Texas. Tax refund. Bottom left. Oh, actually, the date's knocked out there. But again, this was from the year 2018. It's a tax refund. All right. And then again, if we go to the bottom right. Well, here we go. Look, this actually came in 2023. You can see.

Speaker 2
This was last. This was our one. This is Woody's one. This is Woody's one. Right.

Speaker 1
And that was again. This is from Austin. And this was for the year ended 2019. And it's a tax refund. Right now, we can't show all the bits and pieces. And the reason that we're not showing all the bits and pieces, we don't want the IRS to identify who it is that happens to be using a loophole. That the elitists or the bankers use. Yeah, I want to speak to this, which which is why which is why it is so important. You know, when this was actually launched and I managed to get the expert, I persuaded the expert who's been doing this for maybe 10, 11, 12 years now. And I persuaded him. It took me two years to persuade him to let us offer this over at you and your cash. Right. And there were provisos. We had to keep it private. You can't go singing and singing and dancing about it and shouting about it. And they don't want to do that anyway because you attract the wrong type of people. OK, people that are not awake. They just want the cash. All right. Well, that's no good. That's no good to any of us. I'm not going to reward someone who's asleep by doing this for them. All right. And I've turned away many people who've just come over to you in your case and said, I just want the money. And I just say goodbye. Right. Because you're not having it. This is a benefit for people that are awake and actually been fighting the good fight. This is to help them out. I'm not doing this for people that are asleep. OK, because all they're going to do is excuse my French. They're going to spunk this up the wall and go and buy stuff, luxury stuff, a new swimming pool and this, that and the other or whatever it is they're going to go and do with it. They're not going to use it sensibly. They're just going to propagate that system. All right. That's no good. That's not that's not what I'm after. Right. So in essence, what we shouldn't be doing is singing and shouting and dancing about this. And unfortunately, there are people out there who are screaming this from the hilltops publicly. And what that does is create massive problems for everyone. OK, now, I don't know why they do that. Perhaps they want to give it the big one. They want to look big in front of the public. I can get you this. I can get you that. Mr. Stamp is one of those people and he has no success in achieving this whatsoever. And we know from those who work inside his operation who are feeding information out. We know that he still does not know what he's doing. He hasn't been able to steal the information from anyone. He can't find out how to do it. He doesn't know how to do it.

Speaker 2
I also want to say that there's another, obviously, entity out there now claiming to do this and taking people's money, and they don't have the process. Okay, that is the one and only MFS PMA. We are aware that they did have a meeting to promote this, this benefit in there, or PERC, they call it, in there, to their members. the presentation was delivered by a guy called David A. Hurst who actually is an employee for MFS who joined our site in December okay on the 3rd of December we didn't know he was an employee for MFS so he came here stealthily he actually worked for Matrix Freedom Ian Stamp before moving on to MFS we've got the records so one the great thing the beauty about our systems is that we can seen, what pages people are engaging with, what webinars they watch, etc, etc. When we discovered who he was, obviously, we're able to look at his record. And lo and behold, he'd been watching our payment reclaims. And in his presentation that he gave to their members, he basically regurgitated everything that saw him. In fact, he took certain phrases like recycling money, recycling cash. And when they were asked about track record and having done this process, instead of saying, oh, we don't we don't have any successes yet. It was, well, anyone can put a an IRS check, a black blacked out IRS check on their presentation and make it look like they've got track record. But we don't do that. That was effectively the insinuation. but i tell you now the category these checks are real three came in last week for simon that one at the bottom there is from woody our own membership that was our first check we've got 53 members going through this process right now and okay that's the first success for you know um of a check for etp but this has been going on for three years with simon and at you and your cash and so this isn't this is a track record okay this isn't a as simon says um first is a is a mistake second is a coincidence third is a pattern right so now we have got this pattern okay so i just wanted to correct the record if anybody um has heard any dismissive comments about what we're doing this is real this is the real deal and uh okay we can't guarantee every check okay because it's We're beholden to the IRS. OK, so it is a bit of a gamble. OK, but there are success. OK, there is success.

Speaker 1
So, yeah. So the also, I mean, let's put it this way, Mr. A. Hurst. And I don't call him Mr. A. Hurst. I call him Mr. A. something else. But Mr. A. Hurst, you know, over MFS, they've effectively copied the entire presentation. They basically copied the pages that are on the 1099 presentation over here. Now, what's concerning over there is a couple of things which are concerning. Firstly, they're selling this process and I don't know how to do it. That's the first thing. So just like Mr. Stamp, they're selling something that they cannot actually do.

Speaker 2
In fact, I'll just testify to that because I received an email into my inbox from Alexandra Nowaka, who used to work here, who was a member, who now works over there. The email came in February, so only a couple of months ago. I think it was towards the end of February. And the email was to two of her colleagues in MFS with all the research confirming that they still hadn't figured out the process yet and that there was further research to do.

Speaker 1
So we've got proof that they cloned the website. And not only that, we've got proof that they don't know what they're doing. But to their membership, what are they presenting? They are falsely presenting an ability to do something that they have no idea how to do. And they're taking people's cash. They're taking people's cash to provide a service they can't provide. Exactly the same as Mr. Stan. All right. Now, something of even more concern that Mr. A-Hole, sorry, Mr. A-Hurst came out with. Right. And that is slip of the tongue. Sorry. You certainly don't want to slip of the tongue where that's concerned. Right. So one thing that he came out with in his presentation, and this is highly dangerous. Right. He was suggesting that people manufacture transactions by transferring money backwards and forwards in order to inflate claims. Highly dangerous. I can tell you that right now, because the IRS will question a claim if they believe it doesn't correlate to your income. So what he's suggesting in his ignorance. OK, and this is a lack of experience. This shows you where the difference between someone having hands on experience and having tried things for themselves, having found the pitfalls, having worked out what all the obstacles are. All right. And having had to fight to overcome them. So therefore, you get the wisdom and the experience. This shows the difference between someone that has that experience versus someone that just is a new kid on the block, just sees all the stuff and thinks that they can just say, yeah, yeah, yeah, yeah, yeah. Start presenting, selling services and they don't know what they're doing. This is the difference. One of those people is going to navigate you through it safely. The other is going to get you shot at dawn or get you blown up. OK, because they can't navigate the minefield. And unfortunately, Mr. A. Hearst, who already admitted in that presentation that we saw, he admitted that he's never had any success in doing anything with anything.

Speaker 2
In fact, there's someone telling people how to manage debt and he's got about eight charging orders on his property.

Speaker 1
He has multiple debt that he has not been able to deal with properly. So, you know, look, at the end of the day, this isn't necessarily just to put them down, but it is to emphasize these are the kind of charlatans that we are looking to teach a lesson to. Right. And they need to be taught a lesson. Unfortunately, you try to you know, you try to you try to speak to these people or, you know, rationalize for these people. It's impossible. You can't have a rational discussion. You can't actually show them what they're doing wrong. They won't have it. So they have to be taken down the hard way. There's an easy way of learning or there's a hard way of learning. And these people appear to need the hard way of learning. So we'll give them the hard way of learning. That's what they want. That's what they get. That's what they need. They can have it. All right. I can tell you, as things stand at the moment, we have, if we look at what's actually been processed, because there are a lot of claims that have still not been processed over the last two years from 2018 2019 right so from what's actually been processed and that we know is either a yay or a nay we're running at about an 85 percent yes rate okay and that includes people i've thrown out of the program because unfortunately people do break the rules and they have to get kicked out unfortunately right um so we're running about 85 percent with that if we're looking at with all those that we don't know what's going on we're running around 45 to 50 success rate okay so i can tell you we've received my lot have received like three checks

Speaker 2
this week but they will make mistakes and you know we've got to be prepared for that and you know there's quite a few mistakes that happen with the irs and you we just have to be patient and as long as we know what we're doing and how to respond it's just people they've got obviously young staff

Speaker 1
temporary staff people obviously staff that can't even read and they're asking these people to type stuff in for example simone's address has been apparently attached to germany for some reason um we're getting misspells on names and that causes a problem when you try to cash the check there's a whole manner of things that members of staff are doing wrong um including you know obviously all the knock-on effects of having a huge backlog from the work from home and covid which is still kicking around so you know look it's just a question of being patient you know there's no point chasing Simone there's no point chasing me I can't click my fingers I know I'm good but I'm not that good I can't click my fingers and make the IRS do what I want them to do I know some people think I can work miracles but I can't you know um so you know you just have to be patient once this stuff goes in all right that's all you can do but when we're going through this I do want to run through what the um yeah just to just to help people understand okay well

Speaker 2
You said earlier that only paid members can access this benefit. Yes, you do need to be on a paid membership plan. There was lots of reasons why we set that up that way. We don't want it abused. We don't want people trying to obtain information and things like that. So we wanted to put some barriers there. But I do want to say this, and I say it every time. If you are struggling, you can approach us. we have a hardship um pot if you will you know we want to try and help as many people as possible obviously the front end fee a thousand pounds of that has to go to the expert immediately okay it goes to the expert because he's the one that's completing the forms and processing your claim the other remaining amount is goes to us for our introduction and for us to manage that process for you and help you get through it okay because there's a lot of forms as some of you will already know um and you know we need to be um on the ball with this stuff so anyhow um that is the flat rate cost um obviously if you're on a um standard plan it starts at a bit higher so that's why you've got the plus there so standard plan is is 2 000 with a 20 back end um a premium member would pay 18 000 sorry 1800 plus an 18 percent back end and the premium plus members pay 1500 with a 15 so the higher membership plan you're on the greater savings you receive okay

Speaker 1
and no thinking about joining a higher plan for a month and trying to skim it that way Because this is a long process, people, and we spot stuff like that. OK, so anyway, anyone that shows that kind of attitude towards things and that what I call a dishonor will can expect the same dishonor back.

Speaker 2
OK. And we've put up the prices from January. So they were when we launched this in September last year, they were, you know, two or three hundred pounds cheaper. OK, so we've only put it up a slight amount and the percentage has gone from 15 and it varies to 18 and 20. And what I will say about that is the back end fee. OK, just just to help you see what actually ETP gets. OK, because it's not a lot. It's not what you think. All right. We have to give that thousand pounds up front to the expert. So the remaining amount is for us in this time period to manage everything through, answer your questions, do these kinds of updates. and your annual meeting, your pre-qualification meeting, that's all included in that initial fee. When it comes to the back-end fee, 12.5% goes straight out. Actually, it is 12.5%, isn't it? So 12.5% goes to the expert, and then there's a percentage that goes to you and your cash because they're the ones that have licensed this to us, to our membership. Oh, I see what you're saying, yeah. Yeah. And then the remaining percentage, which is what, two and a half percent maximum. OK, that's the maximum that we actually take as a fee, as a back end fee. So if I was going to give you an example, if you say had a claim where you got 10,000 back as an example, ETP would receive 50 pounds at the back end. OK, so that's just to give you an example of, you know, we're not trying to make cut you out of, you know, any claim or try and take it, you know, make lots of money out of this. We're trying to keep it as cheap as possible or as accessible as possible. And as I say, if you still struggle with the upfront fee, do speak to us because we have, you know, we can arrange a payment installment plan. We could work out that ETP might take the risk on for you and pay that upfront fee. But then there's a bigger back end fee for us. All kinds of things we can do. OK, so we have flexibility. And so I don't want that to put anybody off. OK, that's all I'll say on that. Well, let me let me just chip in.

Speaker 1
Right. OK, I just want to explain how things work over you and your cash. Right. You and your cash people cannot do this unless they've already donated to the crowdfund. They're not allowed to take this up. All right. At the end of June, I'm pulling this from you and your cash if we have not hit our crowdfund targets. Because I am deadly serious about keeping the truth movement clean. And also, my attitude towards the people over to our membership is this. If you don't help me to help you guys, well, then I'm not going to help you to help yourselves. It's as simple as that. You don't want to help me. I don't help you. We can all play that game. right now you know at the end of the day if people all chip in together it doesn't have to be i'm not asking for fortunes from people to chip in okay we have a thousand people chipping a hundred pounds each that's a hundred thousand pounds and we can actually make a real big difference in terms of making a big point with someone who's causing a lot of harm to a lot of people and it sends a Powerful message out there. OK. And this is someone that's actually putting the poo poo on all this kind of stuff and is actually detracting from it and damaging it, including this process itself. So as things stand at the moment, I'm still due to pull this because we have not hit our crowdfunding targets. OK, so be aware if you want to get in early, you get in now. That's fine. But on the 30th of June, I'm technically pulling this if things do not improve with the crowdfund. And that's where I stand on it. So but anyone who gets in there now and before the 30th of June, that's fine. And we'll see where we stand on the 30th of June as to whether it continues or not. That's just to give you a fair warning.

Speaker 2
All right. OK, so I think that is pretty much it on in terms of giving a general overview overview and a bit of an update but we now want to open the floor up for your questions so you know fire away i will stop sharing to make it easier so we can all see each other's faces but we're all here to answer to you guys so if you have anything please put your hand up excellent diane welcome

Speaker 3
um hiya um yeah um now i'm through the process of it i don't know if i've been accepted but i've had the you know i've got the number through so i presumed they haven't said yes we're going to give you a check or anything but i've got i've got the letter which i sent off to you um and saying here's your number does that mean you are going to get it or it's it's not showing you you

Speaker 1
you can't that's the first stage you can't get the refund without the tax number they can't process the tax refund without the tax number so getting the tax identification number the tin or the individual tax identification number it in getting that number is the first step to actually getting your refund check so what you need to do is just sit tight now as we explained in the main webinar

Speaker 3
you sit tight and you wait for your check now right okay i i did watch the main webinar but ages ago so i wasn't sure whether you know we were going to get it because we got the tax number

Speaker 1
so it's well you can't get let's put it this way you can't get the check without the tax number

Speaker 3
but i somebody once somebody said to me they've been told they are going to get checked but i

Speaker 2
haven't been told i am no what what no no no um so anybody who sent in their itin numbers they've received a reply from the OID guys to say thanks for keeping us updated the next thing that we're waiting for now is the check well really what I'm what is meant by that is you're either waiting for a check or the determination to say no right or they want more information okay so there's there's three answers after your writing number there's three things that could happen one you get a letter rejecting and a frivolous filing okay two is your check so you've been successful or three a request for more information because they're still processing it or actually there's actually a fourth one where they say it's on hold at the moment it's in suspense while we do some further investigation or something like that from and it's normally about six months okay but there's nothing we can do it's on hold so in any of those cases in any if you any of those four things that happen to come through your door you're to notify us immediately send us a copy immediately doesn't matter whether it's the check or whether it's a rejection or whether it's more information that they're requesting yeah but the the the point is when you receive your writing you know they've processed that part that part once they've processed that part they're processing your

Speaker 3
okay okay right so i haven't received anything else apart from that that the same you got your passport back i got my passport back and they haven't asked for more information they haven't said i've done something wrong and i've just got that so i'm staying positive here good well you're

Speaker 2
in the same boat as me diane okay we're we're waiting i've had the item but nothing else since except I'm not in Germany yeah except you're not in Germany exactly looks like I'll be flying to Germany people pick up my cheque

Speaker 1
Simone is an English-German partnership

Speaker 2
that's kind of going on according to the IRS what's that

Speaker 1
Vorsprung technique

Speaker 2
that's the car isn't it yeah yeah yeah it's my technique there you go thanks Diane is that ok yeah great thank you just a reminder anybody who is taking the who's already undertaking it yet if you receive anything any communications you must scan it into us send it to us because we need to know what's going on all right yeah we've already

Speaker 1
just on that front before i go to amari we've already had well it's over over at union cash you know i've had the fair share of people with uh you know six months down the line i said oh yeah but i got this letter through you know it's just i'll send the email out you know and i said oh this letter's through well why did you not tell me you know i mean so how many times do i have to same thing you know because people you know this is when it comes down to watching webinars you've got to watch webinars six seven eight times to take it all in right or to have a chance of taking it all in but you know the way i actually kind of feed information out to you and your cash bunch um you know i would have thought they'd be aware of this kind of stuff so you know you must let us know because if you get something right you can get quite an innocuous letter seemingly innocuous okay but if you don't act on it you lose your claim simple as that so you get something through you must send it to us and if you don't on your head be it that's it okay it's not our problem

Speaker 4
if you don't send it through okay amari yes thank you simon and simone for another fascinating tour around possibilities that are before us in the world at large. Yeah, it was fascinating. Anything where we can get some benefit from the fraudulent system that's, you know, ripped us to shreds during our lifetime, you know, unbeknown to us is always going to be fascinating. So thanks for that. Well, I'm up for the 1099. No surprises there. I think I said it when when Woody treated us to his lovely vanilla flavoured moon.

Speaker 2
Oh, yeah, well, we're going to get you on to the 1099 because I want to see your chocolate bar.

Speaker 4
It's a bit early. It's a bit early. We'll wait till we get the cash in.

Speaker 2
When shall we get the check? Then you'll have something to show it for. Yeah, I'll treat you to the moon.

Speaker 4
Don't worry, I won't let you go. Yeah, so to my question, so yeah um so i mean when's this you may have said it already when can we start when when when's when's as soon as we can because you've got something going through at the moment

Speaker 1
yeah you can do it straight away we've got we've got claims we can take claims for 2020 that's the

Speaker 2
furthest back we can go at the moment the sooner you get your claim in the sooner you're going to

Speaker 4
get your check okay so so three years back so it's just 2020 we could claim for if you want to if you

Speaker 2
to go back to 2020 as your first year to claim.

Speaker 4
Oh, I see. Or 2021 or 2022.

Speaker 2
But if you start at 2021 or 2022, you can't go back to 2020. I see. Okay?

Speaker 1
You start as far back as you want. As long as it's... I reckon if you've spent more than like eight grand in 2020, it's probably worth the punt as a gamble. The smallest claim we've processed through for one guy, He's had two years on the trot come through, right? And he's on such a low income because he's spent – well, I say he's low income. He may be a low income. He may be higher income. He only spends – he lives on the Shetland Islands. So he spends three and a half grand a year, right? So he's had two claims come through. And I'm just like, you know what? I wouldn't have even taken the gamble of doing it for three and a half grand, right? Because, I mean, he's spending – what he's spending out and then he's paying out back end. It's just like it's just not worth the pump, right? But he took that gamble and it's paid off for him. And I'm well chuffed for him because he's, you know, whether he's on a low income or just certainly on the low spend, you know, he's over there on the Shetland Islands with, you know, his other three people that he lives with or whatever. They've got control of the whole island. I don't know where they spend their money. So, you know, and there he is. And he's got that back and it's great. It's great to see it. I suppose, sorry. No, go on, go on.

Speaker 4
Yeah, I suppose it's relative though, isn't it? So three and a half grand on the Shetland Islands would be the equivalent of 30 grand in London. So it's probably a lot of money for him, you know, and I'd appreciate that. So, yeah, OK, I'm definitely up for it. OK, so I'll make some moves then beginning of next week to see.

Speaker 1
Now, you can book one, two, three. In fact, you can actually, I mean, over on you and your cash, you can actually book eight years worth if you really want to. If someone's really wanting to do that, because we've got the option there. But, you know, you're over here, so you've got to book it over here. So you can book one, two or three years. You can actually fill out all the paperwork. You can get 2020 straight over to us. You can then get number 2021 and 2022. You can get it straight over so that we're holding, so that we can hold the paperwork so it's all here ready to go. But they can't be lodged with the IRS all at the same time. We have to lodge them one. We have to time it. Because if, yeah, well, it's got to do it. going chronologically because if one year overtakes a previous year the previous year will get knocked out so for example with all the work from home and the covid delays we'd processed through 2017 but we then had to process through 2018 but this is at the height when there's all these delays going on right and because 2017 was going in uh early 21 from memory uh okay so by the end of January 21 and then 2018 went in during 2021 and 2019 went in last year right um and what happened was there was a delay with one of the guys he'd had he'd had some information they'd request information on 2017 meanwhile 2018 he got his check but he then gets a fine on 2017 because he can't have he can't he can't go back in time so he's got penalized for that now funnily enough what happened they'd approved 2018 2017 had then hit their systems ready to pay out but because he'd already been approved for 2018 they fined him for 17 took the five grand off of 18 and sent him the check for 18 if that makes sense it does yeah so we can't we've we've got it we're not jeopardizing we hold it here and we'll time it as best as possible to try and give it the best opportunity to max out on what you're getting but if you leave it to the last minute then you're just putting it all at risk so you know again if you want to do a claim get it in sooner rather than later and with what's happening with the crowdfund as i say over you and your cash they should know by now at the end of this at the end of june if things are not moving in the right direction it will be suspended if not pulled and that's it and do the irs do the ir does the ir

Speaker 4
does the irs put any restrictions on the kind of things they call an income into your bank account So, for example, does it have to be a salary or? No, no, this is not based on income.

Speaker 1
This is based on what you spend. Because when you spend, you're creating a security. So it has to be a bill of something spent into the system. So if you go watch, you know, it's everything. Basically, you can't just transfer money between accounts and try to get away with that or moving money into a savings account and thinking you can claim that. You can't do that. And you can't do cash withdrawals. Otherwise, mortgage payments.

Speaker 4
Yeah.

Speaker 1
Council tax payments. Yep. Bank charges on your bank account. Yep, you can claim that. Right. So all these things, everything that you've paid out for, water, electricity, heating, insurance. Gold even. Crypto even. Yes, you can claim that back. But if you're putting something into another account, into a savings account, no, because they haven't actually really spent it.

Speaker 5
Parking tickets. Yeah.

Speaker 1
Right. Parking tickets you can claim. Anything that you've paid a bill for, you can claim.

Speaker 4
All right. Fantastic. Thank you so much, Simone.

Speaker 2
and Spaniard cheers you're welcome you're welcome we've got a couple of questions in the chat um is it correct that you can only claim if you use a credit card and not a debit card

Speaker 1
where's a debit card debit what is a debit card debit but debits your bank account yes you can claim on bank accounts

Speaker 2
so just so people know credit cards are bank accounts okay no no a debit card a debit card

Speaker 1
ask the banker a debit card debits your bank account okay a credit card you said a credit card lovey a credit card okay is like effectively a rolling credit facility a rolling loan facility

Speaker 2
yes but they're both classed as bank accounts accounts for purposes of claiming back these

Speaker 1
funds right i wouldn't say they're both classed as bank accounts you can claim on both those types

Speaker 2
of account they're not bank because you're because you're still creating securities when you spend on a credit card. You are still creating security. It's an account that's held by the bank, which is similar to a bank account, which can be claimed back. A credit card is not similar to a bank

Speaker 1
account. They are both qualifying accounts where you pay bills from. A bank account is a bank account. It's an on-demand current account where you have lent money to the bank and you can demand it on. You can get it out on demand. A credit card is where you are creating credit. You're So they're two different things, but they are both qualifying for the purposes of this this program, because you can pay bills from a credit card and you can pay bills from your bank account.

Speaker 2
OK, so you have credit card. And if you the great thing is just finishing off on that for Sonny and Chris. If you go and purchase something with a credit card, you're claiming that back. But if you then go and pay off your credit card from your bank, i.e. you might have a direct debit set up where you pay your credit card company every month, you're going to be claiming those back as well. So effectively, you're increasing the recycled funds.

Speaker 1
You can manage it in that way. Yes, you can. So you are creating additional securities by paying firstly from the credit card and then paying the credit card from your bank account. You're effectively doubling up. Now, there's a there's a question in the chat which they say. Sorry, James, I'll be with you in a sec. There's there's a question here that says that the checks come in US dollars. Yes, they do. Is it a good idea to open up a US bank dollar account? You can, but it's probably not the most effective way of doing this. If I were you, you just take the check to a high street bank and you just ask them to basically cash it. Right now, there's two things they can do. And there's been some people over at you and your cash. Some people just create problems for themselves. OK, if there's an easy way of doing something like walking down the street, they decide to walk in the road. If there's a if there's a minefield and there's some clear land, what they'll do is they'll take the minefield to cross the field. They won't walk around the edge and avoid the minefield. Some people just like to make things difficult for themselves. there should be no problem whatsoever taking the check to a high street bank and asking them to either negotiate it or collect it okay in other words they will just change it foreign currency however they want to do it into sterling all right but if you go in there acting like you've just robbed the bank of england and you go in all shifty like because you say oh my god what's going on And you're going like that. Well, then what do you think the bank staff are going to think? Because your body language is saying that you're a criminal. You've got to understand this is the most natural thing in the world for you to be doing. It's a tax refund. It's even got the words tax refund written on the check. Right. And so listen. So I've had people say to me, what do I say? They asked me what it was for. And I just said, read the check.

Speaker 2
There's a couple of things as well in relation to what you're talking about. We've had a question before, and I'm sure it's something that some of you are thinking. And again, sorry to James and who's waiting at the moment. You will not pay tax on those funds. OK, it's a tax rebate. You are receiving a tax rebate from the IRS. You will not have to declare that at HMRC as income that's taxable. OK, so we've had that question before. And in answer to businesses, I think that was the second thing that Sonny and Chris were speaking about. We are we're not currently claiming for businesses. However, we will hopefully be rolling this out for businesses towards the end of this year, potentially beginning of next year. At the moment, there is some testing being undertaken at you and your cash. And we're waiting to see if that's successful before putting that out.

Speaker 1
We have about 10 cases which are being tested on the business front. Okay. And once that's actually been proven to fly, the experts pretty confidently knows which forms to fill out. But once we've proven it, because it's not proven until it's proven, once it's proven and assuming that June comes and goes successfully, then yes, it would potentially be rolled out over here once we've had successes through. Again, it's determined by what happens in June. So, sorry, James.

Speaker 6
Sorry, mate. Sorry, thanks. Hi, Simon and Simone. Hi, everyone. Yeah, I just had a couple of questions, but actually you've kind of answered one of them because a couple of weeks ago, Simon, you mentioned about there being maybe some technique to how you try and cash the cheque. I'm not actually at that stage of having the cheque to cash, but it may just be don't overcomplicate things. Maybe that's the gist of it. The other thing was I wanted to ask is with the passport situation, I also had an IT letter a couple of months ago and it's now, it's well past the date on the letter where it said, if you haven't received it by now, call us. And I've been erring on the side of caution because I know the general guidance is don't contact the IRS. Don't make a mess of anything. But it's now nearly two months, even past the date that I received the letter saying 60 days. And then you should, you know, query why you haven't got your passport.

Speaker 1
There's nothing wrong with it. I mean, look, the thing is, it could you know, we've had people where their passports have gone astray. We've actually had people where their passports has been opened, the envelope and the passports ended up back with their bloody embassy. Right. So, you know, and some passports have gone back to the passport office. You know, it's just madness as to what happens. You can't account for what goes on with the post and what the postman does with the post. So, you know, it's beyond our control. So if you feel like phoning them up, that's fine. Be aware there may be, you know, make sure you phone at the right time. There may be a waiting queue to wait. I personally, unless if you're not going overseas, not planning to go on holiday, then I would just wait a couple more months. We've had people that, for example, were waiting ages for their ITIN. It turned out the ITIN had been issued. They just never got the letter. Yeah.

Speaker 6
I've already passed the chase out.

Speaker 1
So even if you haven't had an ITIN, it doesn't mean you haven't been issued one. It just means you haven't had the letter. So, as I say, some people have been issued. I mean, for example, the guy here who works with us, our French chef, he didn't get his ITIN through. He hasn't had his passport back. But he's had his check. OK, so he still doesn't actually even know his ITIN number. Right. But he's had his check through. So, you know, so he's got it. So the letter's obviously gone astray. So there's a whole manner of every single variable that you can imagine. That's what we're going to be dealing with, because it's just paperwork. It's paperwork. It's posts. It's people processing paperwork. And it's coming from the United States to make it even more difficult. Right. And then probably a whole lot of attempts. youngsters who don't bloody read things properly, which makes that even more difficult. So that's what we're up against, right? But what you're doing when it comes down to caching these things, you know, as I say, from an experience point of view, let me tell you one story very quickly, right? So we've got a huge contingent in Germany and Austria and we've got Switzerland. There's loads of them out there that are members of you and your cash, right? So we had one of the Austrian contingent she gets her cheque through 44 000 we're talking about 33 000 euros or whatever it's going to be right those are those are 33 000 pounds sorry which is going to be a similar amount in euros so she goes to an parent in austria just like the netherlands they don't accept cheques anymore or at least they're trying not to accept cheques so she tries a few places right i mean you know i get i've tried everywhere that's a lie you didn't try everywhere and i know you haven't tried everywhere because another woman from austria she also said i've tried everywhere funnily enough when i told her to keep carrying on and try other places she managed to bank it funny that right so you know so they hadn't tried everywhere that was an exaggeration they tried a few places and because it's not so easy you know well they've got to put in a bit of effort and they start moaning about it thinking that i can wave my magic wand and make it all happen you know just like that from from england when they're in austria so anyhow this first woman right she's got a 44 000 check. She's tried a few places. It hasn't worked. So what did she do? Right. I emailed her after, you know, a good few weeks have gone by and I'm saying, well, what have you done? You know, because the expert, you're supposed to pay the expert. So she says, I sent it to Santander in Bootle, Merseyside. I said, really? What, in England? Yeah, in England. I sent it to England. I said, have you got an account with Santander in Bootle, in Merseyside? To which she responded, No. I said, well, hold on a second. So why did you send it there? And she said, well, because you've got that on your website. And I said, no, what we've got is we've got an example of how some banks deal with. They centralize the negotiation of foreign checks. Santander, for example, negotiates all of its foreign checks via its processing center in Merseyside. So she took that to mean that everyone from anywhere should just send their check to Merseyside Santander.

Speaker 6
if i get the check i'm quite happy to go to bootle it won't be a problem well no but you know it's

Speaker 1
just like she's in austria she doesn't even have an account with santander so she sent it to santan bright idea sent it to santander right and so now what she's done is she couldn't be bothered right she couldn't be bothered to phone up the irs and tell them that she's made a boo-boo and get a replacement check she couldn't be bothered so now she's lost her claim and she's got a claim from us for three and a half thousand pounds for the experts commission because he did his job just because she's stupid doesn't mean she doesn't owe him his payment back end if she's an idiot she's an idiot all right i'm sorry but that's the harshness that's the reality of it she's stupid

Speaker 2
Please, nobody do anything stupid like that. If you're unsure, get in touch with us.

Speaker 1
If you decide that you want to, for some reason, burn the check or jump off a cliff with it, let me know first, all right, so I can give you some direction, all right? But it's not difficult, okay? People make these things difficult. We've had no problem for however long. Donut. Yeah, exactly. That was my immediate response, Louisa. girl the woman was a donor um so anyhow um yeah so um there's nothing there's nothing different with this stuff right you know some bank staff are a little bit stupid because they don't deal with so many foreign you know a lot of youngsters nowadays don't even see checks so let's be honest about it you have to be of a certain age to even issue the check youngsters don't let you know what a check is so when you're facing young members of staff in a bank okay and high street banks then then they may get a bit confused. But do not be put off by members of staff saying, we don't do that. That's a fob off, I can tell you. Members of staff in banks, they are more prepared to just fob you off because they can't be bothered to go and ask a senior manager or someone. They're too lazy. They're more prepared to just be lazy and fob you off than they are to get off their asses and go and ask the question. But I can assure you, every high street bank will be able to negotiate those checks. and the tip is to go if preferably if you're in a small town try to go to a larger town you know over in Essex we've got like Chelmsford or Colchester so you'd go to a larger town and go to a branch in a larger town it's going to be a bigger branch they deal with more customers you're going to get more sophisticated staff in there with more you know more than half a brain cell you know you go to the smaller places where they don't really do much they're not processing much and it's not very much weird and wonderful or varied work that they get over the counter then you're going to just have like you know you're going to have your donuts working there

Speaker 2
what i would what we would always encourage is there's nothing stopping our members right now phoning their main bank account one of the bigger you know if you've got several accounts with different banks don't go after the cash plus or the um you know the monzo account go after one of the high street banks that you've got an account with and just phone them up and say look i've i've I've been working in the US. OK, so you can use this track. OK, I've been working in the US, done some work in the US and I'm I'm about to receive a rebate, a tax rebate.

Speaker 1
You don't even have to say that. I mean, you just say, look, I'm getting a tax rebate. OK, it's coming over in US dollars or, you know, I just want to open up an account. I mean, to be honest, I wouldn't even ask that. I can assure you the high street banks can process through foreign checks. OK, because look, how many? Yes or no. Right. Answer me, people. Yes or no. Are there is this such a thing as a stock exchange? Yes. Right. Are there foreign stock exchanges? Yes. Can anyone buy shares in a foreign stock exchange or foreign country or foreign company? Yes. When that company issues dividends, how do they issue the dividends? Well, they issue it by check in the currency where they're based right well how do you cash those checks then my point

Speaker 2
is the banks do do it my point is though is that there's nothing stopping our members from doing their investigation before they get their check okay all i would say to that is the party that

Speaker 1
you phone up is not necessarily going to be the party that you face when you go to the branch

Speaker 2
no but the bank might be able to say to you oh we don't cash those here you're going to have to go

Speaker 1
to x branch as an ex banker i can tell you categorically every high street bank cashes

Speaker 2
foreign checks i can tell you that right now which is why some people have come back and said they couldn't cash it at their because they're stupid all right okay well i'm and they've been fobbed

Speaker 1
i'm trying to help our members no i know and so am i and what i'm saying is this don't allow a lazy member of staff to fob you off and don't go in as if you've stolen the money but everything

Speaker 2
Everything that our members do in terms of that and feed that they're able then to feed that back into us or put it on the forum or whatever, speak to us in the meeting, it's going to be helpful. Because if one member is going to discover that actually that bank's closed that department of that and they're dealing with it over at that address or whatever, right? This is how we get intelligence. OK, when we're asking questions.

Speaker 1
You could always ask the guy that worked for the banks.

Speaker 2
All right. Okay. Great. Thanks, James. Any other questions?

Speaker 6
No, that's all. Thank you very much.

Speaker 2
Thank you. Thanks. You're welcome. Mark.

Speaker 7
Hi, yeah. Thank you very much both of you. You're welcome. I was, yeah. So say, for example, you come to the end of your year's expenses and you want to clear out your bank account and you sent all of your excess that you didn't need over to an exempt charitable trust for the poor, for example, then that would become claimable as well then, do you think?

Speaker 1
If you're not planning to, if you're not using that charitable trust, I mean, you've got to think about what you're doing. So if you've actually given that away, technically speaking, you could claim that back.

Speaker 7
Okay, yeah. Okay, yeah. Thank you. Thank you, yeah.

Speaker 2
cool yeah cheers okay good any other questions no okay well we've got 15 minutes left Simon do you want to just go over what um you know the you mentioned that our members would be able to tell whether the check had been received

Speaker 1
before they've even opened it right yeah well look the check is a yellowy color all right so if you're getting a letter out asking for more information and there's a whole variety that we've seen a crazy variety of letters coming out um the letters are going to be white okay but when you've got your check it's a window envelope it's not it's normally window envelopes they use but the wind but the window envelope will show yellow okay you may even see you know the of the Statue of Liberty on the left-hand side of the check, okay, through the window. So if it's yellow and you haven't opened up the envelope and it's very thin, then the chances are that's the check, okay? And so then you can give whoever it is that's disbelieved that it can ever work, you just say, well, could you just open up that letter for me then and see what's inside, you know,

Speaker 2
depending on who it is, obviously. Before you do that, get out your phone and make a recording of yourself or get them to record you opening it i think that would be really good to have um a what do they call it like a mosaic uh in fact i wonder whether in fact hold on a second

Speaker 1
i wonder whether while you're just talking i'm just going to go into i think i've got it here

Speaker 2
what the video yeah i think so i think if we had a montage of that you know just it just would like I think it just helps people to see that there's hope, right? Laura?

Speaker 5
Thank you, both of you, as usual. You mentioned frivolous claims. Have you got any examples of what would normally be considered a frivolous claim?

Speaker 1
They don't tell us. They don't tell us why they've actually rejected something. So, you know, all we do is if someone gets a frivolous claim through, they'll just be they'll receive a letter basically saying, look, we consider your claim to be frivolous. You can either withdraw it or we're going to issue a fine. We intend to issue a fine. Now, there are ways we're dealing with that. So the options they give you are not all the options. OK, so we have had people that have received frivolous fine, frivolous letters or frivolous filing letters. and we've had their checks paid out. We've had people that have received fines and we've had their checks paid out. What we're finding is that if you get a fine, what they seem to like to do is if you get a fine for one year and they know that there's another claim going through, or even if they know there's two claims going through, they might just fine you for the first year and pay out on the second year so that they get an extra $5,000. That's what we think is going on it seems to be that way because it doesn't make any sense why would they reject one year and pay out the next it doesn't make any sense unless you understand the nature of the pirates and that they're on the take and this that and the other so they're getting another five thousand dollars into the coffers all right now i have got this video funnily enough i don't know if that answers

Speaker 2
your question laura yeah it does thank you yeah before you do just a couple quick um uh questions that uh i know pin pindi's just said that she hasn't received anything as yet well all we can do pindi is just wait okay um like we were saying sometimes they've sent the letter but you just haven't received it sometimes the passport's gone a way uh you know a miss um but it it should return to because you know it's a passport and those things are normally handed in or sent to to the individual again it seems a bit bizarre that both the ITIN and the passport haven't come back so it could just be that yours is at the back end of somebody's queue okay so it could be a number of things and all we can do is wait okay so I'm really sorry about that I mean have you got an online

Speaker 1
checking thing to see from from 2000 at the moment from 2020 onwards I think it is they've got an online checker so you can actually track your claims all right as to what's going on um it looks like because of the backlog it looks like they need to start inputting so i i think it's going to take a while for them to work backwards but again you know look we're talking about huge backlogs okay so you know the fact that you haven't heard yet is not a surprise to me generally speaking what would happen is by filing in january december and january you ought to receive your check dated probably the 7th the 16th of july and you'd probably receive it in august so the fact that woody got his so quickly was a surprise okay that's not the norm so we've had other people receive their checks quickly for 2019 but i've still got people waiting for 2018 and 17 so you know so again it's how long is a piece of string okay you've just got to be patient with it otherwise you would drive yourself insane and you'll drive me insane as well

Speaker 2
Yeah, but also don't put out negative energy, okay? Don't put out fear, okay? You are receiving this check, okay? You are receiving this check, and that's how you've got to see it. Be expectant, okay? Today it's going to come through my letterbox, all right? You know, none of this, oh, it's not turned up yet. No, just be absolutely expectant for it, because that's the energy you're going to pull in. Okay, all right. Any other questions? I think you've just answered Diane's one. Okay, good. Amari?

Speaker 4
Yes, sorry, Simone and Simon. I've always got loads of questions. This is a quick one, a quick one. So you're making a claim. Why would you get fined? I didn't catch that bit. Did I miss something?

Speaker 1
Well, for example, give an example, right? Let's say, for example, you made up what you're claiming and you're claiming an amount that hasn't been held in escrow for you. Oh, I see. Frivolous filing. Okay. Plus, plus, plus, we're not supposed to know this, right? So the IRS are on the lookout for people that are processing these claims because we're not supposed to, we're not part of that elite group. We're not part of their club. So they don't necessarily know everyone that's not part of the club, right? So they're on the lookout. Now, why would they be on the lookout? Well, I tell you, when people go out there and start saying, I can do a 1099. Everyone come over here. We've got this. We're doing this. Blah, blah, blah, blah, blah. Well, now, you know what? That word gets out there and gets back to IRS people. And they're saying, oh, there's people over there processing claims through for this, that, they're not supposed to be doing that. I got you. OK, thank you. So this is why people like Peter Wilson, people like Ian Stamp, and they're giving it all that, are actually causing problems for everyone else. They're making it more difficult. And that just shows their inexperience and lack of knowledge in my book. But, yeah, so don't worry. Frivolous mind, we can deal with that. It's not a problem. Don't be afraid of it. We can deal with that. I can assure you we can deal with that.

Speaker 2
Others can't, but Simon can.

Speaker 4
Simone, I am receiving my check. I'm receiving my check. There you go. I'm receiving your commission. I'm receiving my check. No, no, I'm receiving my check.

Speaker 1
Good.

Speaker 8
All right.

Speaker 1
So let me just do this. I'm just going to share my screen now.

Speaker 9
OK, we're going up in the check. Yeah. From the IRS. Maybe you can check first to see. I should record like this maybe. OK. That's the check. That's the envelope. Let's see.

Speaker 1
It's his wrong name anyway, so don't worry. Listen to her reaction.

Speaker 9
Backwards. Hop on and get disappointed. Yep. OK. So turn it. Can we see it? I can't see it.

Speaker 10
Why is it not me? Oh yeah! *gasp*

Speaker 9
Jesus!

Speaker 10
Flipping heck! Am I seeing it right?

Speaker 9
Jesus, yeah.

Speaker 10
85,728 dollars.

Speaker 9
85,728 dollars.

Speaker 10
Are you freaking kidding me? *laughs* *laughs*

Speaker 9
*laughs* okay okay okay okay i'm gonna put my face okay what's what simon you're the fucking man you don't know what this means man thank you thank you oh there you go all right so that was the

Speaker 1
wrong name on that check but um yeah he managed to get that changed so he was a bit happy with there you go so it does fly all right um you've got to treat it like it's a calculated gamble all right so if you approach it from the perspective that it's a one in two one in three chance then you're not going to be disappointed if something goes wrong all right everything in

Speaker 2
life's a risk anyway right you've got to weigh up the pros and cons so yeah yeah yeah so you know

Speaker 1
there's one there's one foul safe way to ensure that you don't get a rejection from the irs and to never lodge a claim.

Speaker 2
Exactly. If you want to stay safe and wrapped up in your bottom wall, yeah.

Speaker 1
Exactly.

Speaker 2
All right. I think that's enough for this evening. It's been a really good session. I hope you guys have all enjoyed it. I hope you've got a lot out of it. If there are any further questions regarding payment reclaims, well, I would just hold on to those questions and come back to them on the second Wednesday of the month because every second Wednesday we're going to do deep dives into debt and the different debt solutions that we've got available with Simon and Mark Corporal hosting in the main with Michelle coming on with for mortgages every now and again so yeah save those up and we'll we can tackle them then hopefully in our next sessions we'll start to see more checks coming through let's keep up that positive energy and those daily mantras and every time you hear the letterbox be expected and never ever be disappointed all don't let the fact that it hasn't arrived burst your bubble for that day alright ok guys have fun see you next week have a good weekend lots of love

Speaker 8
see you later thank you Thank you very much. Bye. See you. See you soon.