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      "author": "steemitboard",
      "body": "Congratulations @calrizian! You received a personal award!\n\n<table><tr><td>https://steemitimages.com/70x70/http://steemitboard.com/@calrizian/birthday2.png</td><td>Happy Birthday! - You are on the Steem blockchain for 2 years!</td></tr></table>\n\n<sub>_You can view [your badges on your Steem Board](https://steemitboard.com/@calrizian) and compare to others on the [Steem Ranking](https://steemitboard.com/ranking/index.php?name=calrizian)_</sub>\n\n\n###### [Vote for @Steemitboard as a witness](https://v2.steemconnect.com/sign/account-witness-vote?witness=steemitboard&approve=1) to get one more award and increased upvotes!",
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      "body": "Aloha I'm going through the process now and the bankers sent a response stating debt is valid, proof of validation they enclosed my application, card member agreement and last three account statements  (which means nothing without signature I presume), but also having had enrolled in balance liquidation program last February. But there was no signature.They said they wouldn't respond to another \"request\" to validate my debt. How do I proceed with the letter. I feel like I'm sending the same letter over and over again. But later and no response. I hope you can provide information and I'm not 2 years too late. Please contact me on Instagram @kealaulaking I'm not sure how to communicate via steemit. Id appreciate it.",
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      "author": "calrizian",
      "body": "This page serves to demonstrate a method that has been used to discharge credit card debt to great success in the past. The method is now known to most banks which have subsequentially updated their practices to protect themselves. In some cases you may have agreed to new terms and conditions without even realizing.\n\nIn saying that, there is no harm in simply asking your bank whether or not they still hold the original instrument of indebtedness.\n\nRemember: No Contract, No Debt!\n\nTo enquire with your bank at to whether they are obeying simple contract law follow the concept outlined in these documents: (http://public.worldfreemansociety.org/index.php/forum/51-debt-collection-agencies/29293-the-five-letters)\n\nForeword:\n1. This process will not work with private lenders because in most cases they can and will produce the original instrument of indebtedness (the original contract).\n\n2. If you receive any communication from a collection agency or lawyer representing the financial institution, you should NEVER respond with anything other than the concept outlined in Letter 4.\n\n3. The account in this example was opened in 1998 and the debt was dealt with in 2010. Credit card terms and conditions vary now. Banks mostly now state that you agree to their terms and conditions when you either sign or use a new credit card. Be aware of what you have/have not agreed to before undertaking debt elimination actions.\n\n4. Remember, the overall concept here is easy: NO ORIGINAL CONTRACT -NO DEBT!!!!\n\n\n\nLETTER NUMBER 1:\nLetter 1 is an exercise in equity. It is for use with just about any type of financial obligation issued by a licensed financial institution e.g.. mortgage, credit card, bank loan etc. (Does not work if the loan is from a “private” source).\n\n*The original instrument of indebtedness refers to the original contract we signed with the financial institution where we promised to \"pay\".\n![002.jpg](https://steemitimages.com/DQmfR96uGeV86seeM19kjaznr8mmYcASrfdfeE2a4UhGJCK/002.jpg)\n\nTheir reply:\n\n![003.jpg](https://steemitimages.com/DQmRKhiKE8fJMagaMfzE37DKbNm2PcaPo9fkruCb8gp2UjF/003.jpg)\n\n\nLETTER NUMBER 2B:\nIn this case letter number 2B was used instead of 2A. It is for use with adjustments in cases when you receive the initial response from Letter 1 above, where they confirm an amount owing and simply ignore the second part of the request.\n\nLetter 2B is just firming up they're refusal to allow you to exercise your equity in redemption. By refusing to acknowledge that right they have refused to accept payment in the process. That settles the matter legally and financially.\n\n![004.jpg](https://steemitimages.com/DQmb8VuEYwaZwpPvNDMQY6fKaoX1DJFq1ptg5z59rt6i8A7/004.jpg)\nIn this case, because I had no proof that they had received letter 2B above, I gave them them another week to respond and sent the letter on a signature required courier.\n\n![005.jpg](https://steemitimages.com/DQmfFmAqdff4ijmiKkbN39X5kDLCcQoFByzHHhBjoCjapuT/005.jpg)\nNow the National Bank know exactly what I am requesting and know that they are obligated to produce the original instrument of indebtedness in its original form upon full settlement of the debt.\nNotice that they will not make reference to it on paper as they know they cannot produce it. To find out why, watch our documentaries on the monetary system and read this book.\nThey want to speak to me on the phone (which they record) and coax me into acknowledging that I signed a contract. They will then try and use this as evidence in court. However, we will never be going to court because without an original contract the National Bank have no case.\n\n![006.jpg](https://steemitimages.com/DQmdM4uKxKicJWMEnbuFGPsrVdRqf9yd6eCCsWNeumGWGum/006.jpg)\nA scary letter that they hope will make me drop my sack of rocks and pay up.\nAt this point the bank is in dishonor.\n\n![007.jpg](https://steemitimages.com/DQmZBFPmurzdKFtjUUZFsmhurNYG6wX6FTPGugsv4Tw2h8g/007.jpg)\nThis letter got lost down the back of the couch somehow and was found after this whole scenario was over. It proves how close we were as the human being who sent the letter has gone AWOL and the letter is signed by a computer. No-one at the bank wants to take responsibility for demanding a debt which cant be proven.\n\n![008.jpg](https://steemitimages.com/DQmQPs6M3ZSoMKrxZ4EVCzRBTGbCqtrFjVKQBajL5oNX43N/008.jpg)\nI update my telephone details with the bank and let them know that if they wish to discuss the matter further (which is now legally and financially settled) they should do so in writing.\n\n![009.jpg](https://steemitimages.com/DQmSmb3QKKYXShhHoAZjsUTeBckcU53SwKaaZkhRyALmbk7/009.jpg)\nA scary letter from the lawyers. Hit them with letter number 4.\n\n![010.jpg](https://steemitimages.com/DQmST3kMxrPkBosDJAbaBPnT8xYJfquLazc8SUx9GkqhTwX/010.jpg)\nLETTER NUMBER 4:\nFor use with when terminating communication from financial institution’s lawyer or collection agent.\n\n![011.jpg](https://steemitimages.com/DQmS8PTuMwmoMrQQNfGzd67zLo6knk71qAuGarUeJsisZ8t/011.jpg)\nThe lawyers have also failed and they inform the bank that they do not have a legal leg to stand on. The bank resort to quoting the code of banking practice, (an internal banking industry document governing their behavior -not ours) which is about as relevant as snow white and the seven dwarves. I do not respond.\n\n![012.jpg](https://steemitimages.com/DQmVtbPENmFg8VJZ991tD3zfm4PZW6ymef6Za52wGbyNtCx/012.jpg)\nThe debt collectors get involved. They wack a $2000.00 collection fee on top, rub they're hairy palms together and give me two weeks to either pay up or provide a valid reason for non-payment.\n\n![013.jpg](https://steemitimages.com/DQmV7dvUwZytMh2ygj8yr5wEpTDrDyLx7ZsXamAdtsVucGJ/013.jpg)\nLETTER NUMBER 5:\nI send the debt collectors letter number 5 (a more elaborate version of letter number 4) to terminate communication.\n\n![014.jpg](https://steemitimages.com/DQmXDWuwp95qhTm1ieqWt97rrsdnEzWWAFo97ZaGnaGdQVW/014.jpg)\nThey reply with the following letter confirming that they have an agreement with the National Bank to collect money on its behalf for a debt which can't even be proven to exist. This is pure fraud. Baycorp should be punished to the fullest extent of the law for this.\n![019.jpg](https://steemitimages.com/DQmTcFCWdQKGnoGkPLL2sorWwqtsztYU3QKrKD1P32VdQwp/019.jpg)\n\nTo illustrate what is going on above:\n\nIf John contracts Mark to collect $15,000 off Jimmy, does Jimmy have to give Mark $15,000? ......... HELL NO!\n\nUNLESS Mark can produce an original contract proving that Jimmy borrowed $15,000 off John and promised to pay it back. In that case Mark could enforce the contract using the Contracts Privity Act 1982 (in New Zealand) as a third party debt collector.\n\nAs no such contract has been produced by the National Bank, Baycorp have no business harassing me.\n\nThe only weapon left in the banks arsenal is to muck up your credit rating which they more than likely will do. Be sure to check and if they have tarnished your good name be sure to let the agency know that it is the bank who is in default and not you.\n\nIn New Zealand Veda Advantage Ltd list our credit information. As presumed (shown below) a default had been listed. The score is 392 and is dangerously close to the red. This is not good.\n\n![015.jpg](https://steemitimages.com/DQmZUGdwhEobviwihx1N13gH3t4qhEh3tZFd8AqVJumcTDG/015.jpg)\n\nAll we need to do is forward all our correspondence with the banksters and their minions to Veda Advantage Ltd and have them investigate the matter as follows:\n(I must point out that I left New Zealand for warmer pastures over the winter months so the following letters were emailed to Veda Advantage. This is why there is no scanned version)\n\n--------------------------------------------------------------------------------------\n24th July 2010\n\nVeda Advantage NZ Ltd\n\nRe: Inquiry Number XXXXXXXXX\n\nDear Xxxx\nThankyou for your reply of Friday 23rd June 2010,\n\nAttached is all my correspondence with the National Bank with whom I apparently owe $12,841.17. As you will see I have offered on numerous occasions to settle the amount owing in full upon their assurance in writing that they will provide me with the original instrument of indebtedness in its original form.\n\nYou will see in my letters dated 11th January 2010, 20th January 2010 and 8th February 2010 that I have repeatedly made these offers. The National Bank on every occasion has either overlooked or ignored my requests to exercise equity in redemption and by refusing to acknowledge that right they have refused to accept payment in the process. That settled the matter legally and financially on 4th February 2010 however as a courtesy I gave them another 10 days to respond which they did not. This settled the matter once and for all on 15th February 2010.\n\nI have since been harassed by Gibson Sheat Lawyers and Baycorp with whom I have no contractual relationship. They are third party interlopers, have no knowledge of the matter between myself and the National Bank, and have no business what-so-ever harassing me. However, as a courtesy I have kindly offered both these agencies settlement in full on the amount owing upon their assurance in writing that they will provide me with the original instrument of indebtedness in its original form which binds myself and these agencies. Neither of these agencies have offered to accept payment from me on either occasion.\n\nTo date neither the National Bank, Gibson Sheat Lawyers or Baycorp have made any reference to the original instrument of indebtedness in any of their correspondence. It seems to me that there is no original instrument of indebtedness in existence which again settles the matter legally and financially.\n\nI would appreciate if you would review my documentation and obtain a statement of facts from the National Bank outlining exactly why they cannot produce the original instrument of indebtedness, why they have had their lawyers harass me for a nonexistent debt and why they have referred this non-existent debt to a debt collection agency.\n\n\nSincerely\nXxxxx Xxxxxx Xxxxxxxxx\n\n--------------------------------------------------------------------------------------\n\nTheir reply, which follows, was emailed back to me along with an updated PDF version of my credit report shown below.\n\n--------------------------------------------------------------------------------------\nThu, Aug 19, 2010\n\nDear Mr Xxxxxxx,\n\nRe: Your Credit File Information.\n\nThank you for your patience in this matter.\n\nPlease be advised that having further reviewed the information provided to date we are satisfied that a form of dispute was raised prior to the default being listed by Baycorp on behalf of The National Bank.  For this reason the default has been removed from your credit file and Baycorp have been informed of our decision.\n\nPlease be aware that the other parties concerned (Baycorp and National Bank) may choose to pursue you for the outstanding balance as they still believe that you owe this debt and may pursue you via other means, such as the Disputes Tribunal and the Courts.\n\nPlease find attached an amended copy of your credit file and a copy of ‘Your Rights’ explained brochure, for your information.\n\nWe trust this clarifies our position in this matter.\n\nYours faithfully\n\nXxxxx Xxxxxxxx\nInvestigations Officer\nVeda Information Services and Solutions\nVeda Advantage (NZ) Ltd\n\n--------------------------------------------------------------------------------------\n\nBelow is the freshly amended credit report on file at Veda Advantage showing 0 defaults and a score of 647 back up in the green where it should be. This is a .jpg taken from the PDF version of my credit report which Veda Advantage included in their email.\n\n![023a.jpg](https://steemitimages.com/DQmTRaPhnvavKToHfMSzLJPW1S2sLjGdgCr1ssZp5zSCLCc/023a.jpg)\n\nFurther to all this we have sent the following letter to the National Bank requesting more information and they have not responded.\n\n\n![027.jpg](https://steemitimages.com/DQmVfSWRnDZpymRot559J7JwBMSVtYEzZEP2dvGjUbvJmca/027.jpg)\nIn December 2010 Baycorp confirm in writing that not only is the original instrument of indebtedness no-where to be found but they don't even have a copy of it!! Not even a digital scan!! This is outrageous!! But exactly as we suspected. We are happy.\n\n![028.jpg](https://steemitimages.com/DQmNxsVA6xCs77RMbAFm9T3vxSQdenUE5ERKDo5X8SW7Az4/028.jpg)\n\nI get on the phone to Baycorp and obtain the name of their most senior agent. I send him the following letter in December 2010. I have not heard from Baycorp since.\n\nCOLLECTIONS MANAGER\nBAYCORP (NZ) LIMITED\nPRIVATE BAG 92063\nVICTORIA STREET WEST\nAUCKLAND\n\n11th December 2010\n\nXxxx Xxxxxx Xxxxxxxx\nPO Box XXXXXXX\nXXXXXXXXXX\nXXXXXXXXXX\n\nRe: XXXXXXXXXXXX-BCS\n\nDear Mr Bxxxxxd Axx\n\nMr Xxxxx XXxxxxx Xxxxxx has received communications from your company dated 10th May, 19th July, 15th September, 28th September, and 6th December.\n\nI understand it to be you who is accountable for actioning these letters.\n\nIn none of these communications has any evidence been provided confirming that Mr Xxxxx XXxxxxx Xxxxxx is a party to any contractual agreement with BAYCORP LTD or your client THE NATIONAL BANK.\n\nYou have unsuccessfully attempted to tarnish Mr Xxxxx XXxxxxx Xxxxxx credit rating with Veda Advantage and continue to send threatening letters in the post.\n\nTake note that if Mr Xxxxx XXxxxxx Xxxxxx receives any more unwarranted communication in any form from you or the company who controls you I will take the appropriate measures to ensure you are held personally accountable for the harassment.\n\nIf it is not you who is accountable for the harassment then please provide the name and position of the person within BAYCORP LTD who is.\n\nSincerely,\nAgent for MR Xxxxx XXxxxxx Xxxxxx\n\n\nI encourage every single one of you to call the banksters out using the concept outlined in these letters.\n\nIn times such as these it is our duty to keep these corporations in check by doing so. The consequence of not doing so is a world controlled by a global power elite.\n\nIts time to wake up!\n\nDown with the money masters! Up with crypto currencies!",
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      "permlink": "sticking-it-to-the-banksters",
      "title": "Sticking it to the Banksters!"
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