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HOW THE MORGAN JAY WILBUR SCAM UNFOLDED




PRELUDE:

The sole purpose of this exposition is the dissection of Mr. Morgan Jay Wilbur
and his history of operating illegal stock lending schemes.




INTRODUCTION:

The Saga of a Financial Shadow Yearning for Recognition

In the twisted labyrinthine of stock lending, where fortunes are made and lost
in the blink of an eye, there prowls an unenigmatic man, who ostensibly fears no
repercussions for his actions. To as describe him as Financial Chameleon would
bring shame to the real financial chameleons that blend so perfectly with their
surroundings that you cannot spot. He is not one of them. He simply craves
recognition, attention and limelight.





MORGAN JAY WILBUR




[Wilbur, Morgan]. (2023, November 4th).

Morgan Wilbur, 20+ years in Capital Markets across Asia, specialising in Asset
Based Lending including share financing, real-estate, Fine Art and digital
assets LinkedIn. https://linkedin.com/in/morganjaywilbur

Every book rests on a skeleton that underpins the flesh of its narrative. Absent
this structure, it becomes but a formless mass, suitable only if one seeks to
delve into the realm of stream-of-consciousness literature, hence this
exposition takes a surgical approach.




THE EARLY YEARS:

After his graduation from Emory in 1996, he does not present much information
about himself other than his re-appearance as a “Consultant” to a U.S. Based
Family Office catering to both domestic and international high-net worth
individuals. In the realm of finance, this is puffery of utmost order; a man in
his early thirties with a lackluster education and family upbringing would
seldom qualify to consult high-net-worth individuals, but the chronicled story
is only beginning.

By 2011 Mr. Wilbur is Managing Director of firm whose name he does not provide
in Nassau, Bahamas. Unbeknownst to most of the audience, at that time, and for
another decade, Bahamas would serve as a hub for some of the most nefarious
stock lending and other fraud schemes, mainly attributed to the country’s
lenient regulatory framework.

It’s no surprise that by 2014 Mr. Morgan Wilbur is the managing director of
Qilin World Capital Ltd. From an UHNW consultant to a director of one the
largest private lending firms at the time is quiet a leap. The choice of the
name Qilin for the company was no accident. In Chinese folklore, the Qilin is a
creature resembling a deer with scales, embodying luck, prosperity, success, and
joy. These are precisely the qualities that Mr. Morgan Wilbur aimed to embody in
his endeavors. It’s also no coincidence that the majority of stock lending
clients were of Chinese descent.

The internet is littered with cases of fraud against Qilin such as this:
https://www.sicc.gov.sg/media/case-summaries/cpit-investments-ltd-v-qilin-world-capital-ltd-and-anor-case-summary
In brief summary: Qilin World Capital declared bankruptcy and shut its doors.

Just as a magician deftly conjures a rabbit from his hat, so too does our Mr.
Morgan Wilbur re-emerge in 2019, this time as the Strategic Advisor for Lane
Hill, another stock lending company, now strategically located within the
British Virgin Islands where the regulatory framework is even more lenient, and
court cases, secrets and treasures are even more difficult to unearth.

Unfortunately for Mr. Wilbur, he discovered the stock lending realm to be
fiercely competitive and ever-changing, with numerous contenders battling for
supremacy. As the landscape evolved, his rivals significantly improved their
marketing strategies and the intricacy of their contracts by 2019, aiming to
minimize arbitration losses, leaving him once again struggling to keep up from
his position at the lower end of the hierarchy.

Mr. Wilbur with no option left decides he will evolve as well by “borrowing” the
marketing materials and legal contracts from his competitors. Why bother paying
for thousands of hours of legal fees to draft and curate a brand-new agreement
when you can just tweak various provision here, and elaborate more on certain
promotional ideas there. It’s genius! Why didn’t someone think of this before?




THE MAKING OF A COMPANY

Any reputable financial company operates with numerous intricate components,
requiring the collaboration of a dedicated team. Here Mr. Morgan Wilbur either
creates fictional characters or gives former brokers embellished titles such as
Director, Single Family Office Director, Business Development Manager, Asia
Operations, Advisor…etc The following are some of the character props that were
used in the construction of the various entities of Lane Hill: Scott Dooley,
Jason Tan, Louis Tan Jia Wei, Anthony Tang, Lanxi Li, Susan Liew, Michael Rowe.

[The Birth of Lane Hill Holdings and the website]



Fortunately, Mr. Morgan Wilbur soon realized that conducting stock loans using
an entity based in Singapore will exposé his fraudulent activity to civil and
criminally punishment for:  false advertising, fraudulent misrepresentation,
conspiracy to commit fraud, securities fraud, embezzlement, money laundering,
and tax evasion. And thus he decided it was better to operate his scheme out of
a much safer haven in the British Virgin Islands, while maintaining the guise of
being a Singapore Company.  




In the British Virgin Islands (BVI) it’s very difficult for borrowers or court
injunctions or rulings to reach him; he’s free to defraud any sucker gullible
enough to transfer shares without any legal or civil repercussion(s). Worst case
scenario- he can just declare bankruptcy if a deal or two goes south, wash his
hands clean of the whole mess and start another company in BVI or Cayman
Islands.




CREATING PROXY ENTITIES

In the cutthroat corridors of the private securities sector, Mr. Morgan Wilbur
is infamously known as a desperate scavenger, clawing just to keep pace with his
rivals. His peers regard him with a mix of disdain and mockery, watching him
pilfer marketing strategies and cunningly drafted loan terms with all the
subtlety of a daylight robbery. Yet, mimicking a thief who commandeers a vehicle
only to stand clueless as it sputters and fails, Wilbur’s mimicry falls apart
the moment real expertise is required to navigate the inevitable breakdowns and
technical snags.

In a pathetic attempt to claw his way up to his arch-rival, Mr. Morgan Wilbur,
he resorts to his usual underhanded trickery, the use of mimicry—spawning proxy
lenders in a desperate bid to siphon off business. Yet again, his actions reek
of desperation rather than innovation.

Mr. Morgan Wilbur saw the successes of his contemporaries in creating
empty-shell lending using rich family and institutional names as a clever tool
to deceive borrowers, adjust market rates and create the illusion of a booming
industry.  

The MountBatten family seemed to fit the bill as an attractive target ripe
appropriation.



https://mountbattenglobal.com/


A cursory glance of the website betrays an astonishing lack of transparency
about its whereabouts, historical significance, proprietors, or any
affiliations. Each page is awash in pretty pictures, in a desperate bid to
conjure a facade of elegance worthy of the MountBatten family, yet marred by
haphazard mentions of stock lending—precisely the sort of uninspired, insipid
drivel you’d expect from the dim-witted, unimaginative Mr. Morgan Wilbur.




A NEW STRATEGY

Perhaps, cloaking oneself in the veneer of the financial titans of yesteryear
has worn off, and brokers and borrowers are tired of the same show?

It’s better to take a chance onto something more auspicious and perhaps seeping
with more luck. Perhaps this entire stock lending saga has all been just
terrible unlucky spell. If only there was a symbol deeply etched in Chinese
folklore that would attract more luck

[Enter Origin8 and Dominion8]:



www.orig8.com



https://www.dominion8inc.com/




REVISITING ALL THE ENTITIES WITH WIDER PERSPECTIVE

All the aforementioned entities are directly or indirectly are owned my Mr.
Morgan Wilbur. Nominee directors/owners are/were used when necessary with off
shore jurisdictions. All entities with exception of MountBatten are shell
companies without the necessary licensure to receive shares. MountBatten,
however, is not a licensed broker-dealer. In Mr. Morgan Wilbur’s own words,
these are just “referral companies”. According to Mr. Morgan Wilbur Mountbatten
is licensed and regulated Cayman Island firm, what however he does omit is the
fact that a Mutual Fund License in the Cayman Islands only costs several
thousand dollars and requires minimal due diligence.

A Perfunctory Examination into Dominion8:

Dominion8 non-exclusively occupies an address on the fourth floor of the Banco
Popular Building, Road Town, Tortola, VG-1110, British Virgin Islands, the very
same overcrowded hotspot for tens of thousands of other dubious entities. This
floor is notorious as a warehouse for shell companies, making it a stark emblem
of financial manipulation and secrecy. While every other entity scrambles for a
facade of legitimacy, Dominion8 finds itself in the dubious company of countless
other paper entities, crammed into a space infamous for being a hotbed of
corporate concealment and tax evasion.




DEPOSITORY BROKERS

Mr. Morgan Wilbur does not own a custodian or depository broker that is able to
custody, lend or sell shares.

As Mr. Morgan Wilbur weaves his web of comfort with the honeyed assurance that
“we exclusively partner with top-tier custodians like HSBC and Credit Suisse,”
the truth slowly unravels, exposing a starkly different reality. It turns out,
Mr. Wilbur’s connections to these financial giants are as real as a mirage in a
desert. Instead, he ultimately reveals a rogues’ gallery of depository-brokers—
Lazarus Securities, ELCO Securities, and Weiser Securities—each more notorious
than the last, mired in dozens of lawsuits and accusations of stock lending
fraud. A masterful illusionist in the making, Mr. Wilbur’s financial acumen
seems to lie more in the art of deception than in securing his clients’ trust
and wealth.

Should your stars align and you manage to dupe Mr. Wilbur Morgan into believing
you’re flush with shares and in a desperate need of a stock loan, he might just
grace you with the once-in-a-lifetime chance to mingle with his illustrious
family to convince you to close the deal.




TERM SHEET

Upon providing the necessary documents- ticker symbol and accompanying brokerage
statement- Mr. Morgan Wilbur will appear, demanding in a slightly condescending
tone the “Admin” or some fictious personnel to furnish the broker with the
necessary information.

The following are the exact loan terms and conditions that will be provided to
the potential borrower, with exception of the Loam Amount and Maturity Date,
which may vary depending on the stock and other criteria.

Key Observations:
-Lane Hill Capital Ltd is the Lender, not Lane Hill Holdings PTE LTD, for
reasons previously clarified.

-The Term Sheet clearly states that this is Non-Recourse, No Title Transfer
Loan.

-The Depository Broker is omitted [intentionally]; The bait and switch promise
of HSBC, Credit Suisse, Standard Chartered Bank as custodians is nowhere to be
seen.

-The Governing Law is Law of England and Wales.




THE LOAN AGREEMENT- SUBSTANTIVE UNCONSCIONABILITY AND UNFAIR TERMS

Prior to the degustation of the proposed loan agreement the reader must be
informed familiar with certain legal concepts.
 
Substantive Unconscionability refers to a situation where the terms within a
contract are so excessively one-sided or oppressive that they shock the
conscience. This concept evaluates the actual content of the agreement,
scrutinizing it for any clauses that impose unfair burdens or benefits that are
disproportionately in favor of one party over another. It addresses the equity
of the contract’s substantive terms, rather than the process by which the
contract was made.

Unfair Terms, on the other hand, specifically target individual clauses within a
contract that create significant imbalances in the parties’ rights and
obligations to the detriment of the consumer or the weaker party. These terms
might include, but are not limited to, excessive penalties for breach, clauses
that unjustly limit liability, or provisions that allow one party to
unilaterally alter terms or terminate the contract. The focus here is on the
protection of parties who may be at a disadvantage due to unequal bargaining
power, ensuring that contracts do not exploit such disparities.

In professional contexts, both concepts serve as critical legal mechanisms to
safeguard against contractual impositions that undermine the principles of
fairness, reasonableness, and equity in commercial transactions. They empower
courts in various jurisdictions to refuse enforcement of, or to modify,
contracts or specific terms that fail to meet standards of conscionability and
fairness, thus maintaining the integrity of contractual engagements.

[The recitals of the loan agreement have been intentionally omitted to direct
attention more effectively towards the intricacies and nuances of the key
provisions, which require close scrutiny.]


 1. Section 9.
    
    As if part of a clever sleight of hand, the Non-Title Transfer detail that
    was prominently featured to lure the unsuspecting borrower in the term sheet
    has non-subtly been omitted from the contract. Replaced with:
    
     i. The Parties agree that the Pledge is created in favour of the Lender, as
    security for the payment, discharge, and performance of all the Obligations;
    ii. The Borrower hereby:

 1. charges and agrees to charge in favour of the Lender by way of first fixed
    security all of its right, interest and benefit present and future in, to
    and under the Cash Account and in and to all cash in any currency which may
    now be or hereafter is from time to time standing to the credit of the Cash
    Account and each debt represented by these amounts, including all Interest
    accrued and other monies received in respect thereof;

assigns and agrees to assign absolutely by way of security all of its rights and
interest present and future in and to the Assigned Rights to the Lender.

Rehypothecation. The Borrower hereby agrees and confirms that the Lender shall
have the right to deal with, lend, pledge, charge, hypothecate, rehypothecate or
otherwise use (together “Use”) all Pledged Collateral in the course of its
business. The Borrower agrees that the Lender may retain for its own account all
fees, profits and other benefits received in connection with any such Use but
the Lender will otherwise ensure that the Borrower receives the same equivalent
economic benefits as rise if the Pledged Collateral had not been subject to such
Use.

 
Beneath the guise of Mr. Morgan’s warm smiles and seemingly genuine hospitality,
lies a meticulously crafted facade designed to disarm and charm. He extends an
invitation so personal; you might even find yourself at his dinner table, lulled
into a sense of security and trust. The contract he presents, with a flourish of
transparency, is anything but; it’s a carefully laid minefield, designed to
detonate under the protection of English and Welsh legal peculiarities. It’s no
coincidence this jurisdiction is chosen; it’s a calculated move. He’s not just
asking you to sign away your shares; he’s orchestrating a scenario where he can
profit from them—through rehypothecation—leaving you out in the cold, without a
share of the profits from your own assets.

Let’s closely examine the terms and conditions that may affect funding the
funding timeline.


The devil is truly in the details as perfectly by the use of “in most cases”.
This isn’t harmless phrase phrase—it’s Mr. Morgan Wilbur’s disguised legalese
escape hatch, when the contract inevitably goes to arbitration. The fact is that
Mr. Morgan Wilbur, or any lending entity he’s been affiliated with has never
funded the complete agreed upon sum within three (3) Business Days. There is a
reason why the company he works for or owns must keep changing names.



Tucked away amidst the dense thicket of legalese 3 pages later, is a cunning
trap in the Due Diligence and Material Information clauses. These clauses are
ticking time bombs, waiting to be activated under the most innocuous
circumstances. Within three days following the transfer of collateral to the
Depository Broker, a seemingly routine request for additional documentation will
be sent from the Depository Broker to the borrower. This request, will be
masqueraded as a necessary part of the contract when borrower agreed to the Due
Diligence. This request, however it may be presented is smoke screen that grants
Mr. Morgan Wilbur and the Depository Broker a much larger window of time to
offload enough shares to partially satisfy the borrower’s needs. In most cases
the anxiety-ridden borrower will realize he has been caught in carefully crafted
legal spiderweb and be happy to receive even 10-20% of the agreed upon loan sum
after weeks or months. Mr. Morgan Wilbur and his attorney(s) will look for any
piece of missing material information to delay the funding of the loan for as
long as possible. First you provide hope, then you take every single glimmer of
hope away, slowly, but surely until the borrower’s spirit has been crushed.

Regardless of the funding process, there are enough legal mines within the
contract to ensure that the borrower is not able to fulfill his obligations, one
of which is the strong downward selling pressure of the shares to activate the
margin call of the contract, which most borrowers will not be able to satisfy
within 3-5 business days, ensuring almost every deal is defaulted. Should the
volume or price of the stock remain stable, the depository broker and contract
provide will use other contractual landmines to default the borrower, even if
they have to produce fictious documents.

Note: Not a single borrower has ever received his shares back OR has ever
successfully completed a loan without litigation in interacting with any of the
above listed companies of Mr. Morgan Wilbur.

[It is beyond the scope of this exposé to detail how every word, sentence and
clause of contract can and will be used against the borrower. It is also beyond
the scope of this exposé to detail financial dealings between the lender the
Depository Broker, however it must be mentioned that they are not independent of
each other; they are a cohort.]

Mr. Morgan Wilbur’s scheme is one that is based on Conspiracy to Commit Fraud,
Wire Fraud, Securities Fraud, and Money Laundering.

Should all the evidence be gathered to demonstrate intentional, coordinated,
willful actions Mr. Morgan Wilbur and his cohort(s), it is highly unlikely that
any un-biased court will rule in favor of Mr. Morgan Wilbur’s contract. However,
regardless of any civil proceedings Mr. Morgan Wilbur will always be able to
declare bankruptcy of his offshore entities, and disappear into the wind.





THE LOAN AGREEMENT- SUBSTANTIVE UNCONSCIONABILITY AND UNFAIR TERMS





ACKNOWLEDGMENTS

I want to extend my heartfelt thank you to the editor, investigators, and the
unsung heroes from scamwarners.com who played a part in shaping this exposé.
Your dedication to unveiling financial wrongdoing has left me eternally
grateful. It’s because of your selfless efforts that we can fight against
financial crimes together. Inspired by your commitment, I’m more determined than
ever to chase down those who tread the same wrongful path.

If you have any additional information, or have been a victim of stock lending
scam you may anonymously contact me at
contact@platinumglobalbridgingfinance.co.uk, or via telephone numbers listed on
my website https://www.platinumglobalbridgingfinance.co.uk where I meticulously
detail other fraudulent lenders.

Yours Truly,
Ged Ward

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