WHO REALLY OWNS REAL ESTATE?
Ever heard the expression, “possession is
nine-tenths of the law”? Well for centuries that was
absolutely true, and in many places it still holds some
meaning. Remember our history lessons, when some
explorer reached the shores of a new land he would
simply plant his king’s flag on the land and declare it
to be the property of the king from that day forward,
regardless of who might have been living there first.
Of course, many battles were fought in many lands
around the world to enforce those declarations, which
effectively proved that whoever was the biggest
bully, was the owner.
I am happy to be living in Canada but I am
dubious about whether I fully support how it came to
be the Queen’s property. If asked am I proud to be a
Canadian land-owner, I would say yes, and by
extension I would be saying many other things. The
land I own was taken by force, and by continuing to
act like that was perfectly justified, I and all other
Canadians are silently stating that it must still be
justified. So, like in times of old, the biggest bully
might end up owning the most land!
Sometimes the biggest bully may don very
crafty disguises! It might not only be the right of
might that wins in a bullying contest, but sometimes
the deceit of the trickster can be just as effective.
In North America, and many other places in
the world, you do not actually own what you think
you do. This includes your real property - your home.
Oh you might have hired the best lawyer and you
might have been told that you have “clear title” to
your property, but you don’t - really really! How this
happens is most amazing. It all has to do with an
organised crime syndicate of bankers and mortgage
companies, land titles and lawyers! Sounds far
fetched I know, but believe me you do not own your
property in spite of what you may think!
Clever bankers working in concert with very
crafty lawyers have literally stolen all of the real
property titles in Canada and United States. With a
few very rare exceptions such as holders of original
Land Patents in the U.S. and holders of original
Crown Land Grants in Canada, they have taken it all.
Even the Natives have been duped from most of their
Reservation properties! Every Reservation that has
been pledged as Mortgage security, even if that
Mortgage has been subsequently discharged, has
been lost to the scheming bankers.
Remember many years ago, possibly talking
with older member of the family or community and
hearing them speak of taking great care to place the
actual title of their property in some safe place? Ever
wonder why no-one speaks of this need any longer?
Well, its because no-one has the need any longer!
Ever wonder why suddenly it became the norm to
have the Land Titles Office (in Canada) hold all of
the original titles while the “owners” would only get
a Certificate, or Abstract of title?
Several decades ago, the wording of ALL
mortgage documents was deliberately changed to
include two clauses, something along the following.
Clause Number 1: “I/we Mortgagee, hereby sell,
convey, transfer, assign and devise all rights, title and
interests to the property (legally described) unto the
Mortgagor (lender), in perpetuity”. And Clause
Number 2: “The Mortgagor (Lender) agrees that
upon Mortgagee making all payments and obligations
due to the Mortgagor hereunder during the term
hereof, it shall discharge this Mortgage (its lien) from
the subject property”. Notice that Clause Number 1
transfers all right “TITLE” and interest to the bank in
perpetuity. Notice Clause Number 2 says only that
the bank agrees simply to discharge their mortgage,
and not that they will return the title!
And from the first time any Crown Land in
Canada was mortgaged under such terms, the bank(s)
have indeed kept the title to the property in their
name! As alleged “owner” all you got was a letter
from Land Titles, confirming that there were no liens
on the title other than what you agreed to. You were
never told you were the actual Owner of the property
or given the actual Title to prove it, you were just
told that there were no liens on it and that you were
registered “AS” the owner, the truthful meaning of
the phrase being “as the owner IS ALSO” - the bank.
You were also told that in this modern age it
would be much safer to have the official Land Titles
Office hold the title in safekeeping and that you
should simply “trust” them. The reality is ever since
the property you think you now own was put up as
mortgage security that very first time after the banks
started using this new wording, title to that property
has remained in the name of that first mortgage
lender, and you and all of the others since were
tenants! Worse than this, every time anyone has
mortgaged that property after the very first time, the
banks have gained all of the interest and principal for
property that they already stole!
Now you can go through a process to have
the Crown Land Grant status of your property
confirmed and brought current, effectively providing
you with the actual (allodial) Title to your property,
which you should keep under lock and key in some
place much safer than Land Titles, but what lawyer
has ever advised you about this?
In the U.S. a similar process is available to
bring the original Land Patent current, which
provides you the same results. So now instead of a
Title Company holding the title, you would hold it.
Oh, and no wonder Title Insurance companies can
offer such title insurance coverage - they hold the real
title! They always go through a great process to let
you know the precise “history” of the parcel of land,
but they never take you right back to the Land Patent
or suggest that you should hold your own title as
evidenced in that Land Patent, unless you demand it!
An interesting advantage of having your
Crown Grant or Land Patent brought current and
possessing your own title, is that no-one may register
any lien against it without your cooperation, because
you “hold” it literally.
What we need to do is to stop acting like the
banks are justified in this thievery too. So long as we
continue to behave like it is just fine to be robbed,
they will continue to rob us. All we have to do to stop
the robbery is to simply start acting like we know the
difference. Theft from their point of view is relatively
simple, especially when we all continue to act like
the stupid victims they have made us out to be. By
the millions, Canadians willingly pay these notorious
thieves their hard earned, very valuable money - the
fruits of their labours; their productivity every single
day of the year! Soon we will have GIVEN our entire
heritage away to these robber barons!
To be continued……
[the above was written by Jack Harper -- kissin' cousin of Canada's Prime Minister, Stephen Harper]
