Credit Abuse Theory
Collateralised Credit Exploitation Hypothesis - Rest in Torment The Predatory Banking System
(Research Case Study - The Royal Bank of Scotland aka Nat West Group)
OL1 + LS2 + LS3 + TLR4 = CCE
Presented to Royal Bank of Scotland (aka Nat West Group) Howard Davies, Chairman & Alison Rose CEO, Marcelino Castillo Director, Rob Gates L J Angel & J Glover Managers, variously between 2012 – 2020
Original Investment = 1 (OL1) (0 NIL + Fraudulent Credit Risk Accounting) £ 100,000
Leveraged Monetisation = 2 (LS2) ( 0 (NIL) Reserve Requirement x Reinvested ) £ 1,000.000
Leveraged Securitisation = 3 (LS3) (Dérivatives, Repo, VIE & SPVs etc) £ 2,000.000
Total Lifetime Return = 4 (TLR4) Internalised profiteering to externalised exploitation
(from a 0 (NIL) original input using Exploitative Credit Monetisation & Securisation ) £ 5,000.000
Collateralized Credit Exploitation = 5
(Persistent Credit Theft from Customers with Exorbitant Exploitative Rewards for Banks)
The amount that the Nat West Group (aka Royal Bank of Scotland) owes to the UK public under the terms of Collateralized Credit Exploitation is far greater than their declared capital. Assuming 1) An Original Investment of NIL collected via Fraudulent Credit Risk Accounting. 2) Leveraged Syndication using re-invested funds from 1) above. 3) Leveraged Securitisation using re-invested funds from 1, 2, 3 above. 4) Total Lifetime Return from continually re-invested funds from 1,2,3 above. 5) Substantiation via full discovery & disclosure by Alison Rose, CEO of Royal Bank of Scotland (aka Nat West Group) of their Credit Exploitation & Credit Asset Investments. End of Era – Decline of Empire Behaviour to be replaced by more efficient and less egregious financial institutions during the Great Reset imagined by the World Economic Forum 1. Steer the market toward social opportunity 2) Improve Global Social Political Objectives 3) Reforms towards more equitable by advanced equality by harnessing & supporting the public good. Communications between 2012 - 2020: The Royal Bank of Scotland (aka Nat West group (68 Letters), Andrew Bailey The Financial Conduct Authority (39 Letters), Caroline Wayman Financial Ombudsman Service (35 Letters), Eric Leenders The British Bankers Association (12 Letters), Mark Carney ( Governor of the Bank of England (12 Letters) & Philip Hammond Chancellor of the Exchequer (12 Letters) et al.
Research Case Studies are also taking place into Barclaycard, Marbles New Day, Capital One, OPUS New Day & MBNA.
In the Financial Reset, if banks want ‘peoples money’ they will have to work for it, as people do !
Original Research by www.homigenesis.com
Speaking to Credit Card Companies, Regulators, Legislators, Financial Industry, Finance Associations & Media, Consumer Champions, Investigative Journalist, National Newspapers & Broadcasters, Academia & Judiciary.
Books available in Printed and Electronic formats on www.amazon.com
