The Story of Iain Clifford

THE DISRUPTER

A Threat to the System or a Visionary Ahead of His Time?

Official Trailer

Explore the Chapters

Chapter 1:

The Logic of Disruption

How financial engineering rewrote the rulebook.

Chapter 2:

The Patsy

HBOS collapses, Integrity takes the blame.

Chapter 3:

The Pension Deficit Solution

A life-settlement revolution crushed by regulators.

Chapter 4:

Hilton Deception

£20 million returned. £50 million fraud exposed.

Chapter 5:

Shadow Ledger

FCA pressures LCG to fake an £8m loss.

Chapter 6:

Judicial Maze

7 license rejections. Courts shuffle justice away.

Chapter 7:

Retail Pension Solution

Innovative, low-risk pension strategy destroyed.

Chapter 8:

SENJ Shutdown

Seychelles firm de-listed with no trial or hearing.

Chapter 9:

Fiction of Justice

Arrested, silenced, restrained – but never defeated.

The Disrupter Timeline

2001

Launch of Integrity & With-Profits Arbitrage Structure (SAGA, Prudential, BoS).

2007

HBOS collapses, begins £90 billion seizure of customer assets. Integrity made scapegoat.

2011

Life Settlement Fund created; structured as a regulated collective investment scheme.

2012

FCA declares life settlements “Toxic Death Bonds”; UK market collapses.

2013

Hilton Deception exposed. Iain returns £20m, reports fraud to SFO.

2016

FX strategy sabotaged. £8m discrepancy engineered by LCG under regulatory threat.

2017

Retail Pension Solution terminated following FCA intimidation campaign against Stargate Capital.

2019

Mortgage Free project begins, targeting the UK’s Land Registry registration gap.

2020

MATRIXFREEDOM launches with SENJ Limited (Seychelles); global movement grows.

2023

Iain Clifford arrested under legal fiction “Body Corporate”; Order 34 imposed.

2025

Over 500 affidavits filed defending MATRIXFREEDOM. Republic of Old Souls surpasses 100,000 members.