The key issue regard The Legal Quest Challenge (LQC) in a recent Daily Mail article was some what lost. The objective of the LQC is that "Is Your Mortgage Still Valid" or by transfer, assignment, sale or securitisation has your obligation to make payments to the original lender now been negated given the transfer process is incomplete? How could this happen? On assignment, transfer or securitisation all parts of a process need to be completed. This includes all paperwork duly

1. Banks Dont Lend Money. 2. Banks Create Money Out of Thin Air. 3. Banks Dont Take Deposits. 4. The Public Loans to The Bank, The Banks Borrow From The Public. https://www.southampton.ac.uk/business-school/about/staff/werner.page 5. What To Do With The Financial Sector? 6. Where Does It Add Value? 7. No Value is Added its Subtracted from Gross Domestic Product. 8. We Pay a High Price For Banks.9. Banks Purchase Securities. Promissory Notes. 10. Banks Invent Ficticious Custom

The three films Margin Call, Inside Job and The Big Short describe perfectly the scenarios around the 2008 Collapse. Mortgage backed securities not being of true value. Inside Job trailor: http://www.imdb.com/title/tt1645089/ What happens if 80% of the UK mortgages have been cleared by the banks through incorrectly short cutting the process of securitisation and omitting to correctly update Land Registry legal charges and pay HMRC taxes: https://www.gov.uk/stamp-duty-land-tax