And hear from young worshippers, 10,000 pounds . Who say the church has left them yes. The loan may have been in loviss thousands of pounds in debt. Name, but she didnt get any of it. Weve seen evidence the money was transferred to er Management Group limited. A company run by akokhias brother emmanuel another pastor in the church. We dont know what happened i feel anger, because not only to the money next. Are they doing it to more people, theyre doing it i felt angry at first, really angry. To the most vulnerable people. As the truth emerges when i went to confront them, about a church thats recruiting they said it was going to get paid vulnerable teenagers, we ask whos protecting those whove been duped . And i didnt need to do anything, so i was reassured, because i didnt spend a dime of that loan. I strongly believe, lovis says she was told the amigo debt would be cleared, using funds from a business account. Because its black kids, but wasnt told that shed end up its almost seen as you know thats you lots problem. Being responsible for that too this is spac nation. Leaving her in even more debt. A church like no other. Ive got quite a few documents actually. The vibe, theyre just really soulful and its 0ne document reveals that just like lots of music in february a company and dancing and singing. Had been set up in her name. Yeah, it was just pretty cool. Youve been registered as a company . The clothes people are wearing is very fancy its, people wearing these fancy, trendy designers, laoutons. So im thinking sign me up. Yes, so, lovis relations is the company they registered for me. So basically you have a company that you know nothing of, you dont even know what the company is based on. And these are official documents, this is real. Yes. That company was used to open a business account with hsbc. This is its leader, it had a £3,000 overdraft facility. Pastor Tobi Adegboyega, on his way to a Church Service in london. He was filmed last year for a bbc three documentary series. Just over £2,000 was paid he always emphasises that he came to a Company Owned by another member of spac nation, to the uk with nothing a company that has and he worked as a kitchen porter now been dissolved. £600 was taken out in cash. And he was extremely generous lovis says she knew with his giving and from there hes nothing about any of it. Built up to become what he is now shes been left with more than £15,000 of debt. Which is this image of wealth and extreme luxury. He preaches a form and did you confront pastor sam . Of prosperity gospel a belief that god rewards i spoke to him, asking him if he was going to pay the faithful with material wealth. For the loans and actually pastor tobi would always preach about being financially motivated, being healthy and wealthy in christ. Going to do something. And most of the times he claims the church, which started he would say to me, yes, around eight years ago, turns violent gang members were going to sort it out, away from crime. Its caught the attention however, theres a lot of people in the same situation so basically we need to be patient. Of the media. Ijust felt like he was constantly lying to me. What has happened here is, lovis has given her identity information probably under false premises. That information has been abused over 55 of the people in the church were ex gang in the sense its been used members, drug dealers. Without her permission to obtain loans. We had over 1,000 people, young men, come forward shes then been lied to, to renounce that life. How would you define the spac . Had false representations given to her about what the loan was for. We maybe ahead of our time but its revolutionary. All of that is dishonesty, its doing church in all of that is fraud. Akokhia says hes personally unaware of any incidents a completely different way. Where an individuals details were stolen and used to take out a loan or a Business Bank account. Not all worshippers are from gangs. Manyjoin because the Church Promises to help them he says the safety of individuals succeed financially, even setting them up in business. Its easy to see why spac nation in his home is a priority. So attractive to young people. But on social media serious concerns have this is another of tobi been surfacing about the churchs adegboyegas generals. Fundraising activities. Prompted by this instagram her name is mariam mola. Post which went viral. She has a string of fraud convictions, yet still ran a trap house for young women. So i want to know why a church i said to my girls this morning, that is supposed to be helping young i dont know what you think people is encouraging young people is happening in this house. To go and open business accounts i tell you, what to do for businesses they dont have with your finances. So that they can share the money. I tell you where you are going. Its not like you have an option. I went to meet the man asking questions about the church. If you have an option, vic santoro is an ex as youre leaving the house, offender himself. Yes sir, as youre leaving the house, now hes a musician and actor. Drop your key in the letter box. I need an order, a house of order, is a house that will prosper. Weve seen one of her whatsapp messages, in which she suggests vic told me his 20 year old brotherjoined spac nation Tobi Adegboyega knows earlier this year. About the use of loans. As a budding football coach, his pastor offered him the message starts, good evening a tempting proposition. Leaders and goes on to say, pt not against loans. My mum called me and said your brothers starting up a business. She was really excited about it and said, oh my god weve also seen a whatsapp leaders im so proud of him. Chat from inside the church, he told me i know these people in which Tobi Adegboyega himself in the church approached me says, you guys have been good in raising loans. And said xyz, they can help me the church told us, loans with the coaching thing. Do not fund the church. However, loans may be used to fund the pastor registered a company in vics brothers name and opened a business account for him with hsbc. When i was asking businesses and endeavours. About the application process he said i neverfilled in an application, i gave them my details and they did it. Sema, a 24 year old teaching straightaway im just thinking assistant, says he was persuaded thats not a churchs by a pastor to take out responsibility to be doing that. The business account had an overdraft facility. A £2,000 loan. How much was that . £2,000 the overdraft was. £2,000 . What happens to that money . The peer pressure is real and the pressure from the so called leaders, so they basically take him those who are above you is definitely intense. To the bank, he withdraws £1,400, sema says he was told the money gives it to them, cause was for a Business Investment and it they said it was part would all be paid back. Of consultation fee helping him set it wasnt. This business up. He left the church but there was no business, in december last year. And no money in the account. But that wasnt the end of it. In the end, vics brother was left the pastors still had his bank details. £2,000 in debt to the bank. A month later, he received a letterfrom amigo, why do you think he fell for this . Confirming hed been accepted you know theres an element of him not doing his research or being diligent enough. For a £5,000 loan. However, in ethnic minority communities, a lot of families god like faith in general is a beacon of hope for most families. Straightaway, the day after i saw that, thats when i contacted amigo loans. In his head there is no reason why i was furious, i was legit furious. They would be trying to trick him the money had already been paid out to a guarantor named on the bogus application. Into anything, or trying to do amigo began a fraud investigation. Anything that would get him into potential trouble. So he would obviously so, here i have the letter thats take their word for it. Been written to my address why would you use gods name to trick me. From amigo loans, basically those of you called to make telling me the outcome of the money, its a call. Dont give up on. Internal investigation. Dont let the world teach you false humility. Spac nation encourages worshippers to donate money to the church. And what did they say in the letter . It says the more they give, the more wealth and success they get back. They acknowledged that it was not me, somebody has they call it sowing seed. Been impersonating me, pretended to be me. Tobi adegboyega even suggests how much seed members should donate every month. Because it wasnt you . Because it wasnt me in the first place. A basic person in a month i showed them should give £1,000. Proof that it wasnt me. I think thats normal. Amigo concluded sema had been i think its no big deal, the victim of fraud and wrote its not even that deep. Off his £5,000 debt. He had a lucky escape, but blames spac nation. Panorama has now spoken to many i havent shared my details with young people who say they felt under anyone outside my family for years. Intense pressure to give. I know people personally that have it was only spac given £1,000 a week. You dont ever question who i shared it with. How you get the money, you just get the money and give. How has that left you feeling . It made me feel confused, upset, we never openly admitted to each violated to find out how someone other about the struggles we had in terms of giving. Wants to go a step further and go all we knew was that there was a vision that pastor tobi has between my back and impersonate me. Set for each member to also like have in their minds and in their hearts about the church im really shocked to hear this type and then we were all supposed of activity, because youve got to contribute regardless. People in trust who are effectively when you are the biggest giver, its noted, financially grooming young people. Like you will be endorsed. You will be called on stage, theyre being completely manipulated you will be shown love, for the worth theyve got, and youll be treated differently. Which isnt very much financially, but its their Credit Rating if god has been good and theyre being groomed for gaining funds for someone elses purpose. And its wrong at every level. To you, hallelujah. Like many churches, spac nation, the man Everyone Wants is registered as a charity. To please Tobi Adegboyega. Until recently, Tobi Adegboyega lived in this rented £2. 6 million hes a charming guy and very house in croydon. Here he is at one of intelligent with his word plays and with the way he preaches. The churchs regular meetings. Lets just go for it. Through that psychological mind play elite report, the total funds you want to do what he asks raised year to date, 53k. You to do. Tobi adegboyega and members of the church are totting up how and in spac nation, you never disobey your leaders. Much theyve raised in the first that hes given you. Five months of 2019. So immediately you want to do more than three quarters what pastor tobi asks you to do. Of a Million Pounds. But thats not enough and in spac nation you dont for Tobi Adegboyega. Disobey your leaders. But i tell you, june ending, the church says it has five Community Units in london. Theyre run by Tobi Adegboyegas most senior pastors. Called the generals, they lead his recruitment and fund raising. The generals are the people who are very close to pastor tobi. Weve got to reach a million. The people that you bow down to and say, hello sir, hello ma. So the first in line would be pastor sam. Its not about the politicians, its about the system. Samuel akokhia or pastor sam as hes known has a conviction for attempted robbery. He credits Tobi Adegboyega with turning his life around. Without further ado, what i want to do now, i want to bring to the stage our father, our mentor, pastor Tobi Adegboyega. Akokhia uses social media to spread the church told us there is the word about the fundraising targets of his leader, pt. An expenditure for the year that it needs to meet, in order to keep doing the work it does in the two or three days ago, community. God began to remind me about the testimony of pt regarding giving. And he began to show me as a charity, spac nation files accounts with the Charity Commission. That it is not too small for individuals to give 1k a week. Akokhia runs what spac they show that, by the end of 2018, nation calls a trap house. Its annual fundraising had trap stands for take increased sevenfold, risks and prosper. From £164,000 in 2016 the church says it encourages pastors to open their homes to nearly £1. 2 million. To members with housing problems. Kurtis was a member of spac nation forfour years. Hejoined in 2015 and became part but for some, it was the start of a journey into debt as some Church Pastors looked for new ways to get money. Of Tobi Adegboyegas inner circle. Nino moved into akokias home nine months ago. I was already quite detached from my family even going through my depression and Mental Health battles so i was living by myself at the time. Nino works in advertising. He says it wasnt long before akokhia asked him for money, when youre there, telling him it was to fund more trap you really dont question it. Houses for single mums. You dont see the flaws in him he said quite bluntly, and if you do see the flaws youre made to ignore it because of the word he delivers. Kurtis left at the i need £20,000 from you. Beginning of this year. Hed seen the pressure on young worshippers to give and had become if you dont want to give me 20,000 disillusioned with the church. How much money was pounds out of your own pocket we can passing hands from young people to pastor tobi . Set up a loan scheme it can vary. For you of 20,000 pounds. I mean, theres some sums that hell ridicule, to make nino says akokhia told you feel like youre small, him the £20,000 loan you cant really help me. Would buy him a stake like if youve come to him with 2k, in a Property Investment company. When nino said hed need to see proof of any shareholding, 3k, hell ridicule you. Akokhia got angry. Kurtis says he witnessed large sums of cash being handed over by pastors at monthly meetings. Set the scene for me, he said, are you saying you dont whats it look like . Trust a man of god . You walk into a room, you see 14 15 people with bags of money and at that point i became very uncomfortable because i had and theyre just. Believed in this man. Some cash machines running. They re just. What happens with the money, i believed in, you know, where does it go . The preaching that he gives, the words. From there, i dont know exactly nino refused to take out a loan. Akokhia told us hes never approached a Church Member where it goes, but it goes. For a £20,000 investment. Quickly. Lovis is 19 and was being treated fundraising targets were rising. For kidney cancer, when she moved in to akokhias trap house last february. What amount does this work need monthly . And ive put that we need in trap houses you dont £1 million monthly. 1 million. Have your freedom. 00 10 51,163 4294966103 13 29,430 spac nation is around you 24 7. It just went crazy, everyone is running around. Why was it so crazy . Because everyone wanted to hit the target and you already know what the people go through to try and hit the target. So if you really think theyre going to come up with £1 million, it makes no sense. The church told us it would be unreasonable and far from practical to meet the Million Pounds a month target from young people. It says it has a large number of professional and Business People in its congregation, who are its primary and most generous donors. According to the churchs latest charity accounts, just under £59,000 funded five full time staff. But the accounts dont explain how the lavish lifestyle of Tobi Adegboyega is being paid for. They must be getting their income from other means. Now, unless they can explain those other means, were left having to draw an inference that theyre gaining the money from other sources, which may not be legitimate. Tobi adegboyega ignored panoramas request for an interview but spac nation says he takes no salary from the church but does receive gifts and support from business friends and family. Although he occupies a house, its not for his personal use, but for church use. Gracy was 21 when she joined spac in 2017. She says she was duped into taking part in another fundraising scam, this time involving benefit fraud. Gracy lost herjob, and could no longer afford to give, she says her pastor, ebo dougan, had an idea. I told him i wasnt working, so we were talking about seed and obviously he was like to me, oh, gracie you havent been sowing, and stuff like that. And i was like, yeah, but i havent been working. Hes like, youre not working you should get universal credit to obviously to support you and you can give seed. And i said, oh, yeah, i never really thought about that. Makes sense. Ebo dougan said hed take care of the online form. All she had to do was go to the job centre and show her id. She then received instructions via whatsapp messages. Someone else in the congregation has messaged me and said, oh, when you go for your universal credit appointment, send me the code. So im just, like, what code . And she was like, when you get there youll know, theyll give you this code. Take a picture of it and send it me. Weve seen the messages and gracys online application. She handed over the code as instructed. Within ten minutes of leaving the job centre, details had been changed. She now had two children, making her eligible for a large advance payment. Then obviously my meeting was done. Next thing i know theres money in my account. The department for work and pensions paid her £12,000 the same day. The two people whod been messaging gracy while she was in the job centre, then told her to hand over most of the money to them. I gave £550 to the guy, then i sent £350 to the girl, and i kept the rest. Even sometimes when we know things are wrong, in that moment im just thinking like, 0k, my father figure would not tell me to do something bad, basically. Gracys since been investigated by the dwp. Shes been fined £600 and ordered to repay the £1200. I cant afford it, obviously,