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Jonathan's avatar

David,

Since more than the ANNUAL production of gold is traded DAILY, and that trades are on the basis of IMMEDIATE ownership and delivery, what would be REALLY interesting would be if you could get a view from the BoE (as the regulator of the LBMA) as to how they expect this scam to play out if say just 10% of those who have 'bought' gold turn up requesting delivery.

On a separate issue, I have written to the the UK financial regulator the FCA (as well as to my two pension providers) asking about who actually has 'ownership' of my pension assets, along the lines of:-

1. Where securities are held in pooled form (e.g. a collective securities position, rather than segregated individual positions per person), does the investor (that is to say, myself) have rights attaching to particular securities in the pool? Or is it the case that security entitlement holder (again ‘me’) has only a pro rata share of the interests in the financial asset held by its securities intermediary, and that this is true even if investor positions (my investment positions) are ‘segregated.’

2. Is the investor (me) protected against the insolvency of an intermediary and, if so, how? Or is it the case that (i) an investor is always vulnerable to a securities intermediary that does not itself have interests in a financial asset sufficient to cover all of the securities entitlements that it has created in that financial asset, and that (ii) If the secured creditor has “control” over the financial asset it will have priority over entitlement holders (me), and that (iii) If the securities intermediary is a clearing corporation, the claims of its creditors have priority over the claims of hose such as myself as mere ‘entitlement holders’.

One pension provider has replied, and the upshot (a brief summary) is that:-

• the legal ownership of the underlying assets is with the pension company, not me

• as a policyholder, whilst I have a contractual right to the benefits of the contract, I do NOT have direct or beneficial ownership of the assets

• in insolvency, while policyholder claims take precedence over MOST other claims, but secured creditors would indeed come first -which leaves a theoretical exposure if my pension provider had secured borrowing

And while they suggest Solvency II ensures policyholder priority over most claims, “most” isn’t “all” -and their own admission confirms secured creditors stand ahead.

This all stems from David Rogers Webb's book 'The Great Taking' - as the main thrust of his writing is correct, in that whilst I might have paid for and fully funded these pension invetsment assets, someone else can have a prior claim.

What is really interesting is that the FCA have failed to respond to either my initial letter sent more than a month ago, nor the follow up letter sent recently. Both were sent secured delivery and signed for, so I have evidence that both letters were delivered.

And of course it is the same BoE who is responsible for oversight of the FCA.

So much of the UK financial system appears to be little more than a fraud, with investors savings seemingly held and prioritised to protect the Big Banks - and none of this is widely known to the investing public.

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neil's avatar

Crimes of SUPERBANK JP Morgan.

1. Market Manipulation.

Precious Metals Rigging (2012–2020) - JPM traders spoofed gold and silver markets for nearly a decade. Outcome: $920 million fine largest ever for spoofing (DOJ, CFTC, SEC). No executive went to jail.

FOREX Cartel Scandal (2015) - JPM admitted to manipulating global currency markets with other banks. Outcome: $550 million in criminal fines.

2. Fraud and Misrepresentation.

Mortgage-Backed Securities Fraud (2008 crisis) - JPM knowingly sold toxic mortgage bonds labelled as "AAA" to pension funds, cities, and nations. Outcome: $13 billion settlement (largest in U.S. banking history). No criminal charges.

"London Whale" Scandal (2012) - Traders hid over $6 billion in losses through deceptive accounting. Internal risk warnings were ignored. Outcome: $920 million fine. No one went to jail.

3. Criminal Enterprise Behavior.

RICO Charges for Precious Metals Desk (2019) - DOJ charged JPM's trading desk under the Racketeer Influenced and Corrupt Organizations Act, RICO is typically used against organized crime. DOJ called JPM's desk a “criminal enterprise inside a bank.” Outcome: Several traders convicted. The bank itself paid fines.

Madoff Money Laundering (2008.) - JPM was Bernie Madoff’s primary banker, ignored over 100 red flags. Internal memo showed suspicions but no action taken.

Outcome: Paid $2 billion in fines to victims. Again, no jail.

4. Enabling Human Suffering.

Military Contractor Financing - JPM funded and profited from defense contractors supplying global conflict zones. Massive lobbying to protect war-based revenue streams.

Fossil Fuel Expansion - JPM is the #1 global financier of fossil fuel projects since the Paris Agreement. Financed over $317 billion in oil, gas, and coal against public climate pledges.

5. Ongoing Corruption.

Epstein Banking Relationship (2023 hearings) - JPM maintained accounts for Jeffrey Epstein after internal alerts flagged him as a high-risk client. Evidence of top-level execs knowingly continuing the relationship. Ongoing lawsuits reveal concealment and enabling.

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