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In 2022 negative reports began to emerge on social media concerning the activities of SENJ LTD (SEYCHELLES) trading as MATRIXFREEDOM, Mortgage Free, Natural Justice and Sovereign Reserve. SENJ LTD (SEYCHELLES) which appears to have morphed into MATRIXFREEDOM Private Members Association during May/June 2022 offered a range of Debt Elimination “Services” including:


  • Mortgage Debt Elimination [for all Mortgages written after 1989]
  • Mortgage Payment Indemnification with “no adverse-affects” to credit files
  • Tax Liability Set Off with “no adverse-affects” to credit files
  • Personal Loan and Credit Card Elimination / Set-Off with “no adverse-affects” to credit files

The above “Services” were advertised on the back of an alleged “Track-Record” which was later implied to be 100% successful. In addition to Debt Elimination Services, SENJ LTD (SEYCHELLES) offered a range of “Loan Note” / Investment Opportunities which attracted a range of extra-ordinary and unrealistic rates of return:

  • 650% (after 1 year)
  • 1250% (after 2 years)
  • 5900% (after 5 years)
  • Infinite Returns

More recently, SENJ LTD appears to have been replaced with the MATRIXFREEDOM Private Members Association, which, until recently, continued to use the trading styles: MortgageFree, Natural Justice and Sovereign Reserve

The alteration in “organisational status”, has brought with it a new offering: the “Abundance Program” in which “INFINITE” returns are simply offered from day 1/year 1.

In what appears to have been an attempt to avoid regulation by the Financial Conduct Authority (“FCA”), Debt Elimination Services were disguised and masked behind an administrative process (the secrets of which were known only to Iain Clifford Stamp and MATRIXFREEDOM Staff). Customers were invited to pay for the employment of staff from Mortgage Free, Natural Justice, or Sovereign Reserve (trading styles of SENJ LTD/MATRIXFREEDOM) to undertake the administrative work on their behalf, often paying 10% of the value of unsecured debts for the “service”, in advance, and in the case of Mortgage Debt circa £4,000 per mortgage.

Ground-Swell of Complaints leads to Private Criminal Investigation

During 2022 a growing number of members of Empower the People (private members association) (“EtP”) requested assistance from the Association in recovering payments made to MATRIXFREEDOM and or associated companies. Members complained that they had paid large sums of money to MATRIXFREEDOM and had experienced:

  • Failure or refusal to deliver administrative services paid for
  • Poor or non-existent service delivery
  • Inability to contact Staff
  • Damaged Credit Ratings
  • Threats of Repossession
  • Threats of Court Action
  • Debt Recovery activity including contact from Debt Collection Agencies

More recently, those who have complained, have received written threats by both post and email from Iain Clifford Stamp, and a decision was made to provide hands-on assistance to those EtP members affected. A positive consequence of which may enable all affected parties to receive assistance and justice.

Following an internal consultation, EtP have lawfully and formally engaged the services of Gary Summers, Barrister with

Gary is a respected UK barrister with 40 years’ experience. He focuses mainly on private prosecutions, dispute resolution, financial investigations and mediation and crisis management. In private prosecution cases, Gary seeks to identify crimes, perpetrators and backers – including those perverting the course of justice. He files information, procures summonses, and prosecutes individuals in the UK courts.

Gary Summers has, in turn, deployed his Investigation team led by Tarique Ghaffur CBE QPM (former Assistant Commissioner of Metropolitan Police) to undertake a private criminal investigation into the activities of Iain Clifford Stamp and MATRIXFREEDOM.

Whilst working with the Metropolitan Police, Tarique was:

  • Head of Central Operations (7500 Police Staff ) including Firearms, Airports, Diplomatic missions, Houses of Parliament & Government Buildings, Traffic, 5000 Events
  • Head of Specialist Crime Directorate (3500 Detectives) including Critical Incidents, Homicide investigations, Organised Crime, Forensics, International Investigations, Child Protection
  • Head of Policy, Inspections, Review & Standards supporting governance transition to Mayor of London
  • Commander of Policing Westminster (2000 Police Officers + 4 Police Stations) Deputy
  • Head of Territorial Policing, South London including Operations, Complainants, Media.
  • Gold Commander for Crises Response within London

Tarique will lead the private criminal investigation team into the activities of Iain Clifford Stamp and MATRIXFREEDOM as directed by Gary Summers. Tarique and his team have advised based on the initial sift of the available documentation and/or initial evidence, that there is a reasonable suspicion that the following offences may have been committed by Mr Stamp and others working with him:

Conspiracy to defraud [s1, Fraud Act 2006]:

This is the ‘mortgage wipe out’ fraud scam that has been operating between 2019 and 2022 and operated by Mr. Stamp, his agents and employees against unsuspecting members of the public.

Conspiracy to defraud [s1, Fraud Act 2006]:

This is post-mortgage wipe out scam, is currently offered to those [from 2022 onwards] who were defrauded [as well as to the general public who did not sign up to the mortgage scam], a chance to make money or get their mortgage scam money back through a programme called the Abundance Programme. Again, the scam is operated by Mr. Stamp, his agents and employees.

Carrying on regulated activities w/o authorisation [s23, Financial Services & Markets Act 2000]:

To carry out the activities advertised in a] and b] above, an individual would require authorisation to conduct regulated activities. In a] and b] the activity is a claims management function which requires such authorisation.

Blackmail [s21, Theft Act 1968]:

This potentially has occurred in a number of cases where Mr. Stamp made unwarranted demands for further investment and or the performance of certain actions, against victims of the mortgage wipe out scam.

Empower the People are assisting the investigation team by gathering initial feedback from victims on behalf of Gary Summers.

If you have paid money to MATRIXFREEDOM or Iain Clifford Stamp in anticipation of receiving any of the services highlighted above, please provide us with your contact details and a brief account of your experience.

The Empower the People Trustees invites assistance to finance the private criminal investigation as the UK fraud enforcement and investigation have completely downgraded what they consider to be low value victim frauds without seeing the bigger picture of multiple victims.

If you wish to help us, please click on the relevant links below:


I am a witness and wish to make a Statement for court action

I wish to donate to support the ongoing efforts

Thank you for taking the time to read this announcement.

Please share this PRESS RELEASE widely.


The Empower the People Board of Trustees:

Gary Summers:

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