What "lying in court" are you suggesting?
The arrangement would be that interest is payable at "unsecured rates" if the new lender doesn't have a charge on your property, and at "secured rates" if they do have a charge on the property. Also, that the lender will immediately take you to court if you don't make any due payments. [Those seem reasonable Terms&Conditions, don't they?]
You (deliberately) miss all payments until the charge has been placed on the property. As you are not making payments, the new lender takes you to court. Seeing that you *have* missed all the payments, and you tell the court that you'll continue not to pay the (unsecured) loan, then they grant the charge...
Where's the lying?!!