Designed the Enrichment Plan for over-55s with Saga, Prudential, and Bank of Scotland (BoS), based on arbitrage between debt cost and appreciating assets.
Plan promised financial independence for retirees.
Bank of Scotland pulled out, offering Iain a credit line limited to acquiring With-Profits Traded Endowment Policies (TEPs).
Integrity, Iain’s regulated firm, and TEP Factory Ltd, his unregulated firm, became intermediaries.
BoS secretly planned to seize TEP assets, which was later masked by the 2008 credit crisis.
HBOS changed valuation method of GTEPs, triggering mass defaults and asset seizures worth over £1 billion.
Iain resisted the repossession; HBOS threatened to destroy him.
Integrity was liquidated by the FSA, falsely blamed for investor losses.
Liquidator Peter Middleton was later reprimanded for dishonesty.
National media falsely accused Iain of fraud.
FSCS paid out £80 million for GTEPs—liability wrongly attributed to Integrity.
FSA/FCA refused to reopen the case despite numerous appeals.
Iain exposed Richard Aston Clay and Katherine Clarke for defrauding £60M+ via Hampton Dean SIPP.
He resigned from profitable joint ventures worth over £100M.
Whistleblower reports ignored by FSA, SFO, and Pensions Regulator.
FCA blocked 7 license applications, destroyed 7 joint ventures, costing Iain £100M+.
Intimidation of partners; FCA used mafia-style tactics.
Judicial Review against FCA was buried when Iain couldn’t afford legal fees.
FCA accused Iain of unlicensed fund management via Stargate Capital.
Iain defended himself without lawyers and won, exposing FCA’s misconduct.
FCA’s unredacted Supervisory Notice destroyed Iain’s business relationships.
FCA destroyed SENJ Ltd, a MATRIXFREEDOM member, with baseless warnings.
Iain filed lawsuits for mortgage fraud and libel by openDemocracy—both struck out.
Arrested under Order 34 on speculation of unlicensed services; others arrested never charged.
Judicial Review of Order 34 was denied after delay tactics and bias from Justice Sweeting.
Iain filed affidavits and served Notices of Jurisdiction Denial.
Discovered Alistair Mackenzie, FCA’s lead officer, is a non-existent legal entity.
Submitted Order 34 complaints to Attorney General and Judicial Conduct Office.
Notices issued to UK government officials declaring Republic of Old Souls an independent nation.
Iain Clifford elected President, claiming Diplomatic Immunity under international law.
No rebuttals received—Republic of Old Souls stands unrebutted.
Iain lives in constructive exile in North Cyprus, facing an unlawful UK bench warrant.
He has submitted a full application to the European Court of Human Rights, citing breaches of:
This case is now a litmus test for European justice in the face of British authoritarianism.