Ray’s Substack - Challenge Your Contracts (If they exist!)
Ray McLennanMy personal Substack to show you no contract exists..most of the time.
| Platform |  | Pricing | Freemium | Publishes | Weekly |
|---|---|---|---|---|---|
| Issues | 66 | Founded | 3 years ago | Last Issue | 7 months ago |
| Active | |||||
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raymclennan.substack.comLatest Issues
Birth Certificate Bonds
Do You Have one?
It’s been known by the top echelons of society for a long, long time. As Henry Ford said in 1923, see the quote below.
The Largest Theft anywhere, Ever!
When a high street bank gets carried away and enjoys too many bonuses
This is Chapter 30 of a Book: ‘Shredded – Inside RBS. The Bank That Broke Britain’ – by Ian Fraser
The Quiet Crisis Behind the Possession Courts
Why Lloyds Bank plc v Cook [2025] is a game changer
Most homeowners believe repossession happens for three simple reasons: arrears, expired terms, or a broken agreement with their lender.
ChatGPT wants to spend your money
The checkout page is officially dead
ChatGPT is expected to gain powerful new shopping features in early 2026, allowing users to purchase products directly within the chat interface.
Three Books and a Podcast Analysed
Confirmed: Modern Banking is built on Deception
Here’s a summary of key points from three books and a Podcast.
Audience Metrics
Subscribers, engagement, traffic and sponsorship for Ray’s Substack.
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Authors
The writers behind this newsletter.
Free thinker. Ex corporate lawyer. Property trainer. Guinness World Record Holder ( public speaking) Father of 4. Dog owner. Red Wine preferred but Malt whisky will do!
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