many letters and laws

8/12/2019 Many Letters and Laws

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The following letter should be sent to the bank to which you make your regular monthly mortgagepayments.

Demand for your Mortgage Note and Service Agreement [SAMPLELETTER]

To whom it may concern: I own the property at the address listed above, and your bank services mymortgage.

Over the last several weeks there have been many stories documenting the problem that banks areforeclosing on homes without proof that they own the loan. I have learned that in many cases, bankslike yours do not even know who owns the loans you service. Employees at several leading bankshave admitted to rubber stamping tens of thousands of foreclosures every month, without evenchecking to make sure that the bank had a legal right to proceed with foreclosure. In some cases,banks allegedly falsified mortgage documents to cover up their mistakes. There have been reports oftwo banks trying to foreclose on the same home, banks foreclosing on homeowners who were currenton their payments, and even of a bank foreclosing on a home where the homeowner had never takenout a mortgage to begin with. This is not merely a technical problem!it is the difference between

having a warm bed at night and being out on the street."s a homeowner and a customer of your bank, I am horrified. I had always believed that it I played bythe rules, I would be protected, but now I know that banks like yours think the rules don#t apply tothem.

To protect myself and my family, I need to know who owns my mortgage. $ithin thirty days, I wouldlike to know the name, address, and phone number of the bank or investor that owns my mortgage.%urthermore, in light of the recent allegations of foreclosure fraud, I demand to see the originalmortgage note proving ownership over my home loan. I would like to see copies of all endorsementsand assignments of my mortgage note and where and when the assingment&s' (if any ! wererecorded. I also ask that you provide me with evidence of your firm being contractually retained toservice my loan.

If you fail to provide the information I am legally entitled to, I will be forced to consider all optionsavailable to me to ensure that my family and my home are protected.

I ask that I receive my response in writing.

Thank you for your attention to this matter.


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Throughout this entire proceeding, not once did the plaintiff attorney representing theFederal Credit Union address the most important question: who is the holder of the note?This question is important because under the Truth in Lending Act pursuant to ! U"C## $%&$$'( )full disclosure*, + hae a right to -now who the true party of interest inthis transaction is. Therefore, it needs to be stipulated whether the plaintiff attorney or

Federal Credit Union is the holder in due course for my promissory note.The plaintiff attorney presented as eidence a copy of the loan showing my signature aswell as copy of portions of the Truth and Lending but no original security instrument./en if the plaintiff attorney were to produce a copy of the security instrument0 it is notsufficient proof of claim as per U.C.C. & A1T+CL/ 2 &!% )b* 3 )*. Under U"C Title4 Chapter 3!, the plaintiff attorney is engaging in counterfeiting and such behaior is afelony. Also, proiding a photocopy of a security instrument is not only unconscionable

but is illegal. + hae a right for a isual inspection of the original promissory note, note acopy. Under this code, + am entitled to hae the instrument presented to me as the

plaintiff attorney is required to up-eep the legal document entrusted by her. 5ursuant ofU.C.C. & A1T+CL/ 2 &!% )b* 3 )*, + am entitled to demand presentation of thenegotiable instrument. That demand is hereby ordered. + demand that the plaintiffattorney present for my isual inspection 67 81+9+AL ;/T +< "+9ATU1/5186+""817 8T/ and allonge together with the 81+9+AL ;/T +< =eed ofTrust.

Under U"C Title 4 Chapter 3!, plaintiff attorney is engaging in counterfeiting and suchbehaior is a felony. 5roiding a photocopy of a security instrument is not onlyunconscionable but is illegal. + had as-ed for the isual inspection of the original

promissory note, not a copy.

The plaintiff attorney did not proide any proof to sufficiently satisfy her claim underU.C.C. & A1T+CL/ 2 &2%3 that she or the Federal Credit Union is the note holder indue course.

The plaintiff attorney did not stipulate whether or not she or the Federal Credit Union isthe holder in due course.

The plaintiff attorney did not stipulate whether this loan was securiti>ed as required bylaw. Therefore, the plaintiff attorney admit to the following: * 7ou admit that you are asericer of the promissory note. 3* 7ou admit that the loan has been securiti>ed. 2* 7ou

admit that you are not a real party of interest in this controersy. * 7ou admit that youare a debt collector and not the original creditor.

This is required to establish her right of enforcement as @older in =ue Course ia achain of assignment as eidenced by the ote or Allonge. "imply proiding a copy ofthe loan and claiming to be the the holder in due courseB as a statement is insufficient

proof of status and therefore the presiding (udge should hae denied the plaintiffattorneys request.


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+f either party is not the holder0 then she admits to being the sericer of this obligation.Also, it needs to be stipulated by the first mortgage whether or not my loan has beensecuriti>ed. +f the loan has been securiti>ed0 then it needs to be -nown the name of the1/6+CDTrust my loan is bundled with. 5ursuant of U.C.C. & A1T+CL/ 2 &!% )b* 3)*, + am entitled to demand presentation of the negotiable instrument. That demand is

hereby ordered. + demand that you present for my isual inspection 67 81+9+AL;/T +< "+9ATU1/ 5186+""817 8T/ and allonge together with the81+9+AL ;/T +< =eed of Trust.

Eecause plaintiff attorney is unable to proide this proof0 then she admits to not being aparty of interest and cannot rightfully request the presiding (udge to enforce claim underU.C.C . & A1T+CL/ 2 # 2&2%.

+n addition, under Title 3 # 33$.2 )regulation G* part )a*, a sericer does not hae therights of a holder in due course and therefore, do not hae the right to foreclose.Therefore, any attempt ia the "heriffs to foreclose on my property will be construed as

prima facia eidence that the plaintiff attorney is committing fraud.+n a recent case law, it was ruled as follows:

+t is the creditors responsibility to -eep a borrower and the Court informed as to whoowns the note and mortgage and is sericing the loan, not the borrowers or the Courtsresponsibility to ferret out the truthH

Therefore, presiding (udge should dismiss this case with pre(udice since, plaintiffattorney did not proide eidence proing the holder in due course for my promissorynote.

Under the Federal 1ules of Ciil 5rocedure 1ule 2$, the plaintiff attorney has 2% daysshould she wish to contest any of the aboe allegations with specific proof. Failure tocontest the aboe allegations means that you fully admit to all allegations as truth. Theseadmissions will be used as eidence against you in any future controersy inoling thismatter.


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BANKING SCAM IS OUTEDNO POSSIBILITY FOR THE BANKS TO "SAVE" THEIR SCAM

ONCE THE TRUTH IS KNOWN

YOU NEVER RECEIVED A LOAN!

05 MARCH 2011

1. The bankster did NOT loan any money to you:

2. At no cost to the bankster money was acquired:

3. The bankster transacted an !"#AN$ o% &O'( )romissory Note* a%orm o% money* %or +ederal (eser,e Notes* and then deliberately*

will%ully* and with %ull knowled-e o% the %alse reresentation*

told you that such an !"#AN$ o% di%%erent %orms o% currency*

was a loan:

/. The bankster con,erted your romissory note* a %orm o% money*

into +ederal (eser,e Notes* a %orm o% money* this transaction

is NOT A 0OAN:

. The bankster then used &O'( money your note con,erted into

+ederal (eser,e Notes* to buy roerty in the bankster4s name5

a. 6ankster indorsed &O'( )romissory Note WITHOUT RECOURSEBand 7)O89T7 &O'( )romissory Note in a bank transaction

account the eistence o% which the bankster %ailed to disclose

to &O':

;. ON0& money can be deosited into a bank account:


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d. The bankster acceted and recei,ed &O'( romissory note5

e. The bankster then made a >'A09+97 N7O(8?NT o% &O'()romissory note* addin- the hrase @9T#O'T ("O'(8 in the

endorsement5

%. The bankster4s >'A09+97 N7O(8?NT had the e%%ect o% remo,in-

all bankster obli-ation with resect to the two=artyromissory note5

-. The bankster4s non=disclosure o% this %act made such8)"9A0 9N7O(8?NT an 'NA'T#O(97 A0T(AT9ON in any

resect o% the bankster4s obli-ation on the romissory note

secondary liability* see UCC 3-407*0

h. The bankster ne-otiated &O'( romissory note in a 7)O89Ttransaction* a requirement o% the )oolin- and 8er,icin-

A-reement )8A -o,ernin- the undisclosed rocess5

i. The bankster acquired the %ace ,alue amount o% &O'( romissorynote* lus a commission* in +ederal (eser,e Notes* at no costto the bank* by unknown machinations 8ee A )rimer on ?oney*

"on-ressional (eort5

B. The bankster* without cost to the bankster* lied to &O' bymakin- the knowin-* intentional* and will%ul %alse

reresentation that the bankster was -i,in- &O' a loan5

C. The bankster ND( loaned you anythin-:

E. &ou were decei,ed into thinkin- that you had recei,ed a loan:

1F. The decetion that you actually or constructi,ely recei,ed aloan is a %alse reresentation* %raud.

11. )roo% that you were decei,ed by the bankster4s %alse

reresentations is %ound in the %act that you actually made

)A&?NT8 on a NON!98TNT loan* such ayments reresentin-

certain ortions o% &O'( 09+ which were !"#AN$7 %or

con,erted into +ederal (eser,e Notes* which &O' then*

deli,ered to the bankster as ayments on a NON=!98TNT

0OAN:

12. @hen the bankster indorsed &O'( note @9T#O'T ("O'(8*

as art o% the decetion* the bankster4s obli-ation was

%raudulently modi%ied which 798"#A($7 your obli-ation on the

note. The bankster4s alteration %raudulently made dischar-ed

the note because &O'( obli-ation was a%%ected by such

%raudulent alteration. 8ee '"" G 3=/F


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UCC 3-117. OTHER AGREEMENTS AFFECTING INSTRUMENT.

"ub(ect to applicable law regarding eIclusion of proof of contemporaneous or preious

agreements, the obligation of a party to an instrument to pay the instrument may bemodified, supplemented, or nullified by a separate agreement ofthe obligor and a personentitled to enforce the instrument, if the instrument is issued or the obligation is incurred inreliance on the agreement or as part of the same transaction giing rise to the agreement. To theextent an obligation is modified, supplemented, or nullified by an agreement under this

section, the agreement is a defense to the obligation. )oolin- and 8er,icin-

A-reementI)8AJ.

13. &O' ha,e actually tendered a si-ni%icant amount o% &O'( 09+*

con,erted into +ederal (eser,e Notes* in ayment %or the roerty

by decetion:

1/. The bankster has made no such in,estment or ayment. 8ee

'8 "on-ress reort* A )(9?( ON ?ON&.

1. &O' ha,e )A97 %or the roerty:

1;. 9% the bankster has collected ,ast amounts o% ro%its* at no

cost* ursuant to &O'( note* the bankster4s takin- o% &O'(

roerty is unBust enrichment %or the bankster:

1


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@9T#O'T 798"0O8'( TO &O'

1. &O'( )romissory Note is echan-ed %or )roerty

&O'( KnoteK is acceted as KtenderK by bankster in echan-e

%or the roerty.

ust like +ederal (eser,e Notes are acceted Kas tenderK %or

urchases.

Once the Kechan-eK is comlete* the KdealK is 7ON.

a This transaction was a "urrency chan-e NOT A 0OAN

b 8ee ?oney transmitter law

2. 7oT Imort-a-e a-reementJ is a simle 0OAN contract

a The 7oT re%erences the )N as e,idence o% debt. The )N is

D97N".

b )N and 7oT must be ket to-ether %or either to remain

en%orceable.

c &ou ne,er recei,ed the 0OAN re%erenced in the 7oT

6ut* you ha,e been makin- ayments on the Kloan.K

&our ayments are D97N" that you were decei,ed intothinkin- that you had actually recei,ed a KloanK that you

were required to reay.

d 6ank %ailed to 8eci%ically )er%orm

i 6ank can4t in,oke ower o% sale clause %rom contract thatis a N'009T&.

9% ayment is demanded by bankster* and then* %oreclosure %ollows

uon declaration o% de%ault* on the basis o% en%orcement o% the

7oT* which is a so=called contract %or ayment o% a debt D97N"7by the )N* you* uon 7?AN7* are authoriPed by law* '"" G 3=F1b

2 and b2i* to require the bankster !#969T the $enuine

O(9$9NA0 )N:

UCC 3-/01. RESENTMENT. I+ed '"" 9ndeJ

a K)resentmentK means a demand made by or on behal% o%a
http://www.law.cornell.edu/ucc/3/article3.htm#s3-501http://www.law.cornell.edu/ucc/http://www.law.cornell.edu/ucc/3/article3.htm#s3-501http://www.law.cornell.edu/ucc/


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)ers!n ent$t'e* t! en!rce an $nstr&ent . . .

b The %ollowin- rules are subBect to Article /* a-reemento% the arties* and clearin-=house rules and the

like:

2 U)!n *ean* ! t%e )ers!n t! #%! )resentent $s a*e,t%e )ers!n ak$n+ )resentent &st

i e%$b$t t%e $nstr&ent* )(O7'" T# NOT. mhasisadded.

+rom the moment that the bankster sold the )N in a transaction that

searated the )N %rom the 7oT* the 7oT became a N'009T&. N'00 and

DO97.

2T%e n!te an* !rt+a+e are $nse)arab'e t%e !rer as essent$a',

t%e 'atter as an $nc$*ent. An ass$+nent ! t%e n!te carr$es t%e!rt+a+e #$t% $t, #%$'e an ass$+nent ! t%e 'atter a'!ne $sa nullity.2emhasis added.

>uotation %rom: Carpenter v. Longan* C3 '.8. 1; @all. 2


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re%used by the arties rimarily liable* recourse cannot be

had to him. 8ee '.".". G 3=/1/1.

An $n*!rser 2#$t%!&t rec!&rse2secially declines to assumeany resonsibility %or ayment. #e ass&es n! c!ntract&a''$ab$'$t" b" ($rt&e ! t%e $n*!rseent $tse'* and becomes amere assi-nor o% the title to the aer* but such an

indorsement does not indicate that the indorsee takes with

notice o% de%ects* or that he does not take on credit o% the

other arties to the note. 8ee also Nonrecourse5 Nonrecourse

loan5 @ith recourse. 607;=1;F3. [emphasis added bold text

& underlining] [return]

Additional to the %act that the bankster searated the )N %rom the

7oT* the )N is A0T(7 and thereby dischar-es the obli-or o%

liability %or the so=called debt.

UCC 3-=07. A>TERATION. I+ed '"" 9ndeJ

a KAlterationK means

i an unauthoriPed c%an+ein an instrument t%at )&r)!rtst! !*$" $n an" res)ect t%e !b'$+at$!n ! a)art"* or

iian unauthoriPed addition o% words or numbers or otherchan-e to an incomlete instrument relatin- to

the obli-ation o% a arty.

b cet as ro,ided in subsection c* an a'terat$!nra&*&'ent'" a*e *$sc%ar+es a )art" #%!se!b'$+at$!n $s aecte* b" t%e a'terat$!n &n'ess t%at)art" assents !r $s )rec'&*e* r! assert$n+ t%ea'terat$!n.No other alteration dischar-es a arty*and the instrument may be en%orced accordin- to its

ori-inal terms.

" A ayor bank or drawee ayin- a %raudulently alteredinstrument or a erson takin- it %or ,alue* in -ood

%aith and without notice o% the alteration* may

en%orce ri-hts with resect to the instrument

i accordin- to its ori-inal terms* or

iiin the case o% an incomlete instrument altered byunauthoriPed comletion* accordin- to its terms

as comleted. emhasis added.
http://nrgnair.com/MPT/zdi_tech/ucc/WITHOUT.RECOURSE-2.htm#WO-1http://www.law.cornell.edu/ucc/3/article3.htm#s3-407http://www.law.cornell.edu/ucc/http://nrgnair.com/MPT/zdi_tech/ucc/WITHOUT.RECOURSE-2.htm#WO-1http://www.law.cornell.edu/ucc/3/article3.htm#s3-407http://www.law.cornell.edu/ucc/


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T#! $ss&es:

?1@ A'terat$!n ! t%e N

?a@ bankster !*$$e* t%e$r !b'$+at$!n b" t%e a**$t$!n ! t%e#!r*s WITHOUT RECOURSEB t! t%e N

?b@ !b'$+!r, 4OU, are t%en 5ISCHARGE5 ! an" '$ab$'$t" !n t%e*ebt

?@ Se)arat$!n ! t%e N r! t%e 5!T

N $s n! '!n+er en!rceab'e

NU>>IFIESt%e 5!T ?n! '!n+er (a'$* n! '!n+eren!rceab'e. ?Carpenter v. Longan@

N&'' an* (!$*.Nau-ht5 o% no ,alidity or e%%ect. 'sually couledwith the word K,oid5K as Knull and ,oid.K The words Knull and

,oid*K when used in a contract or statute are o%ten construed as

meanin- K,oidable.K 6urns ?ort-. "o. ,. 8chwartP* ".".A.N..*


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AN7* not only that:

F$'$n+ Fa'se e$t%er!r F!r+e* 5!c&ents $n a &b'$c O$ce

AFTER the bankster endorses the promissory note (PN), (withoutrecourse), which alters the banksters contractual obligation on

the PN, and negotiates the PN in a SALE transaction; recording-

filing, in a public office, of ANY paperwork related to the PN,

(Deed of Trust (DoT), Warranty Deed), the PN being referenced in

the DoT as the evidence of debt, (see language in the DoT), makes

such filed documents take on the character of presentment and

filing of "false or forged" documents in a publicoffice, which is

A FELONY.

[Discharge of the PN makes the DoT a NULLITY,(See Car!"#!r)].

YOU FUNDED YOUR OWN LOAN WITH YOUR SIGNATURE.....ON
http://nrgnair.com/MPT/zdi_tech/ucc/carpenter.v.longan.htmhttp://nrgnair.com/MPT/zdi_tech/ucc/carpenter.v.longan.htm


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A PROMISSORY NOTEWHAT THE FEDERAL RESERVE AND THE GOVERNMENT ARE DOING AT THE NATIONAL LEVEL, LOCALBANKS ARE DOING WITH US AT THE LOCAL LEVEL. The only die!en"e i# $h%$ in#$e%d o &!in$in'ne( no$e#, $he )%n*# %!e "!e%$in' ne( "he"*)oo* +oney e%"h $i+e $hey +%*e % lo%n.

He!e# (h%$ h%&&en# (hen yo- 'o $o $he )%n* $o 'e$ % lo%n o! yo-! ehi"le/

The )%n* h%# yo- #i'n % 0!o+i##o!y No$e.The )%"* o $he no$e i# $hen #$%+&ed, 1&%y $o o!de! o1 o! #i+il%! (o!d#.

The no$e i# $hen de&o#i$ed in$o % $!%n#%"$ion %""o-n$ in yo-! n%+e. No( $hi# (%# no$

di#"lo#ed $o yo- )eo!e yo- #i'ned $he no$e %nd yo- did no$ 'ie $he+ $he %-$ho!i$y $o

o&en % $!%n#%"$ion %""o-n$ on yo-! n%+e.

The )%n* $hen (!i$e# % "he"* !o+ yo-! $!%n#%"$ion %""o-n$ de&o#i$ $h%$ yo- h%d no

*no(led'e o, ei$he! $o yo- o! $!%n#e!# $he %+o-n$ $o $ho#e (ho #ho-ld )e !e"eiin' i$.

The )%n* $hen #ell# $he no$e $o Fede!%l Re#e!e o! in$o $he #e"-!i$ie# +%!*e$. The&!o"eed# o (hi"h, %!e -#ed $o -nd $he %lle'ed lo%n.

Th!o-'h $he )%n* #ellin' yo-! no$e, 2OU 0AID FOR 2OUR 0URCHASE WITH THE 0ROMISSOR2 NOTE.2o-! no$e (%# $!e%$ed )y $he )%n* %# %n %##e$ $h%$ "o-ld )e e3"h%n'ed o! "%#h. Any$hin' $h%$ yo-"%n e3"h%n'e o! "%#h i# %n %##e$. Wh%$ 45 6 o A+e!i"% doe# no$ !e%li7e i# $h%$ (i$hin o-!

+one$%!y #y#$e+ % 0!o+i##o!y No$e i# %n %##e$. The +o+en$ yo- #i'ned $h%$ no$e i$ )e"%+e +oney$o $he )%n*. The!e (%# no +oney in e3i#$en"e -n$il yo- #i'ned $he no$e. On"e $he )%n* #$%+&ed i$1&%y $o $he o!de! o1 i$ )e"%+e % ne'o$i%)le in#$!-+en$. To $he )%n*, i$ h%d Present Value,)e"%-#e $hey (e!e %)le $o #ell i$ o! "%#h. To yo- i$ only h%d Future Value.Wh%$# (!on' (i$h $hi# lo%n #"en%!io8 2o- %l(%y# #-#&e"$ed $h%$ $he!e (%# #o+e$hin' no$ !i'h$(hen yo- (en$ o! % lo%n !o+ $he )%n*. No( yo- *no( (h%$ i$ i#. Le$ +e 'ie yo- % #i+&leill-#$!%$ion $h%$ (ill hel& yo- $o -nde!#$%nd $hi#.

I+%'ine i yo- "%+e $o +e needin' % lo%n.

You:1C%n yo- 'ie +e % lo%n o! 9:;,;;;.1Me:1#-!e Ill lo%n yo- 9:;,;;;, )-$ yo- h%e $o 'ie +e %n %##e$ (o!$h 9:;,;;;.1You:1All Ie 'o$ i# $hi# di%+ond !in' (o!$h 9:;,;;;.1Me:1Th%$ (ill do.1 I $hen $%*e $he !in' %nd #ell i$ o! 9:;,;;;, %nd "o+e )%"* $o 2o- (i$h % "he"*o! 9:;,;;;.Me:1He!e# yo-! 9:;,;;; lo%n %$ :;6 in$e!e#$, %nd $he &%y+en$# %!e 9


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$he )%n*# "he"*. And $he )%n* lied %nd "%lled i$ % lo%n. B%n*# %nd lendin' in#$i$-$ion#onlya&&ear $o lend +oney.

The 1lendin'1 $e"hni-e# $h%$ %!e -#ed %!e )eyond )!illi%n$. I$ $oo* #o+e e!y, e!y #+%!$ &eo&le $oi'-!e o-$ ho( $o a&&ear to 'e len("n# )one*, )-$ in %"$-%li$y h%e $he %l-e #-&&lied )y $he&e!#on (%n$in' % lo%n. And $h%$ i# (h%$ i# h%&&enin'.

+THIS IS TOO IN,REDI-LE TO -ELIEVE SHOW ME PROOF.+I yo- %!e indin' $hi# !%$he! dii"-l$ $o )eliee, le$# loo* %$ #o+e Fede!%l Re#e!e B%n* &-)li"%$ion#,(hi"h %"$-%lly %d+i$ $h%$ $hi# i# ho( )%n* lo%n# (o!*.

"Transaction deposits are the modern counterpart of bank notes. It was a small step from printingnotes to making book entries crediting deposits of borrowers,which the borrowers in turncould "spend" by writing checks, thereby "printing" their own money."

Mode!n Money Me"h%ni"#, &%'e , Fede!%l Re#e!e B%n* o Chi"%'o.

"Of course they do not really pay out loans from the money they receive as deposits. If theydid this, no additional money would be created.What they do when they make loans is toaccept promissory notes in exchange for credits to the borrowers' transactionaccounts.Loans (assets) and deposits (liabilities) both rise by !,. #eser$es are unchanged bythe loan transactions. %ut the deposit credits constitute new additions to the total deposits of thebanking system."

Mode!n Money Me"h%ni"#, &%'e , Fede!%l Re#e!e B%n* o Chi"%'o.

A""o!din' $o $he Fed, i$ i# no$ $hei! &oli"y $o +%*e lo%n# !o+ o$he! de&o#i$o!# +oney. Nei$he! do$hey +%*e lo%n# !o+ $hei! o(n %##e$#. They +%*e lo%n# )y %""e&$in' &!o+i##o!y no$e# in e3"h%n'eo! "!edi$# $o $he )o!!o(e!# $!%n#%"$ion %""o-n$. They een %d+i$ $h%$ i$# %n e3"h%n'e. IF ITS ANE?CHANGE HOW CAN IT BE A LOAN8

"In exchangefor the note or security, the lending institution credits the depositor&s account or

gi$es a check that can be deposited at yet another depository institution."

T(o F%"e# o De)$, &%'e :4 Fede!%l Re#e!e B%n* o Chi"%'o.2o- (%n$ +o!e &!oo/ THE -AN/0S OWN -OO//EEPING ENTRIES ARE PROOF.Le$# #%y $he)%n* !e"eie# % 9:,;;;.;; "he"* de&o#i$. I$ i# !e"o!ded %# %n %##e$ $o $he )%n*. B-$ in o!de! $o)%l%n"e $hei! )oo*#, on $he o$he! #ide o $he led'e! $hey h%e $o !e"o!d % 9:,;;;.;; li%)ili$y. The)%n* h%# %n %##e$ o! 9:,;;;.;;, )-$ i$ %l#o h%# % li%)ili$y o 9:,;;;.;; $o yo-, $he de&o#i$o!.

The )%n* o(e# yo- 9:,;;;.;;. 2o- h%e % !i'h$ $o d!%( on $h%$ 9:,;;;.;; (henee! yo- "hoo#e.No( (hen yo- &-!"h%#ed yo-! ehi"le in#$e%d o % "he"* yo- '%e $he )%n* % #i'ned &!o+i##o!yno$e. The )%n* de&o#i$ed i$, >-#$ li*e % "he"* o! "%#h, in % $!%n#%"$ion %""o-n$ in yo-! n%+e. No(!e+e+)e! $h%$ %ll de&o#i$# %!e !e"eied %# %##e$# $o $he )%n*. Ho(ee!, $hey %l#o h%e %"o!!e#&ondin' li%)ili$y $o $he %"e %l-e o yo-! &!o+i##o!y no$e. The!eo!e, in !e%li$y yo- don$ o(e

$he )%n* %ny$hin'. 2o- #i+&ly e3"h%n'ed yo-! &!o+i##o!y no$e o! $hei! "he"*, (hi"h &%id o! $heehi"le. The %""o-n$ i# % (%#h.

SO WH2 ARE WE 0A2ING MONTHL2 0A2MENTS AND INTEREST FOR SOMETHING THAT, WITHIN OURMONETAR2 S2STEM, HAS ALREAD2 BEEN 0AID FOR8A1tuall* t!e 'an2 oes *ou%They #$ill do no$ o(n yo-! &!o+i##o!y no$e. They +%de %n e3"h%n'e yo-! &!o+i##o!y no$e @%##e$ $o $he )%n* (%# e3"h%n'ed o! $he %"e %l-e o $he no$e. Theyde&o#i$ed yo-! no$e %nd $hen #old i$ !e+e+)e!. The!eo!e, on $hei! )oo*# $hey #$ill h%e % li%)ili$y $o

yo-.

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14/53

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15/53

"hoenix, #ri$ona %&'''

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+youremailemail.com-

N T/0 NT0! T#T0 !TT 5T

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Your Name,pro se **5laintiff, ** Case o. CJ&%&%&%$$$666s. **7#N T. 85YN/#N,and/or his* 9!#: N5T0successor,indiidually, and in his official *capacity as "resident;05 of 7# /580* "#NT T5 1% ... < 4:5#N 0=N>, :",an ens legis being *used to conceal fraud; *9#80 . T#Y:5and/or his successor, *indiidually, and in his official capacity as *"resident of inance ? #dministration of *05NTT 58"#NY, N.#.,an ens legis*being used to conceal fraud;*7#N T. 85YN/#N, and/or his successor, *indiidually, and in his official capacity as *"resident;05 of 7#N@ 5 #80#, an ens*legis used to conceal fraud; *#N>0:5 8#6:5, and/or his successor, *indiidually, and in his official capacity as *"resident;05 of 5NTYW!0 /580 *:5#N, N.,an ens legis being used to conceal *fraud; *.@. #N5:!and/or his successor, *indiidually, and in his official capacity as *"resident;05 of 85T>#>0 *0:0T5N 0>T#T5N *YT08, N.,an ens legis being used to * )Assigned to the @on. KKKKKKK*conceal fraud;**95/N #N! 9#N0 !50 (nAestors) 1*1',''' *andBY6 5"5#T5N 1*1',et al., **=efendants. **

D D D


16/53

C86/" 8;, 7our ame,pro per, )hereafter The i.e., MonesesB if husband and wife*, and hereby

submits the following:

+n accordance with the "upreme Court of the United "tates,pro perpleadings may notbe held to the

same standard as a lawyer andDor attorney0 and whose motions, pleadings and all papers may onlybe

(udged by their function and neer their form. "ee:Haines v. Kerner; Platsky v. CI; nastasoff v.!nited "tates.Pro per litigants are to be held to less stringent pleading standards.

. 7our amehereby ino-es in this case, inter alia, the following: Federal 1ules of Ciil 5rocedure,

Local 1ules of Ciil 5rocedure, Ari>ona 1eised "tatutes )especially Titles 22, and '*, the Uniform

Commercial Code, the United "tates Constitution, the Ari>ona Constitution, all Ciil Law, =ue 5rocess

of Law and 9od 9ranted 1ights, all maIims of law and rules of equity, all Treaties, all other national

andDor international agreement andDor accords, andall other applicable laws, codes, statutes, and the

li-e.

3. 7our amehereby demands, pursuant to the legal definition of =ue 5rocess of Law that allmaIimsof law be adhered to by =efendants and this Court. 7our ameagain questions the authenticity andDor

authority of all signatures by any and all parties.

2. 7our amehereby questions the authenticity andDor authority of all documents, agreements,

contracts, notes, andDor the li-e by any and all parties.

. The use of =efendant andDor =efendants is interchangeable since the conspiracy created by the

=efendant)s* to conceal their crimes and acts of terrorism is a function of the actions (ointly and

seerally of =efendant)s*. +n addition, =efendant may also mean =efendants by and through the ens

legisof =efendant)s*.

. T 9!#: N5T0

!. 7our ame#s use of Ari>ona 1eised "tatutes Title ' shall be construed by this Court as 7our

amealso listing the corresponding U.C.C. Title.

$. For any Mudge in any (urisdiction to allow =efendant to foreclose without first alidating and

producing the requisite documents pursuant to Ari>ona 1eised "tatutes )A.1.".* constitutes iolation

of 4 U.".C. ## 2, , %% and applicable law by the Mudge.

'. 7our amehereby demands =efendant)s* present the instrument pursuant to, inter alia, A.1.". # '&

2!%)E*)3*)a* NU.C.C. # 2&!%)E*)3*O.

4. 7our amehereby demands =efendant)s* present reasonable eidence of authority to present the

instrument pursuant to, inter alia, A.1.". # '&2!%)E*)3*)b*.

. 7our amehereby demands =efendant)s* surrender the original instrument if =efendant)s*

forecloses, sells or otherwise ta-es the property pursuant to, inter alia, A.1.". # '&2!%)E*)3*)c*.


17/53

%. 7our amehereby specifically denies all fraudulent andDor incorrect andDor inalidated signatures

in any and all documents pursuant to, inter alia, A.1.". # '&22%4)A*. NU.C.C. # 2&2%4)A*O

. 7our amehereby claims =efendant)s* made an unauthori>ed change in an instrument that

purports to modify in any respect the obligation of a party pursuant to, inter alia, A.1.". # '&2%' )A*

)*. NU.C.C. # 2&%')A*)*O3. 7our amehereby claims =efendant)s* failed to eIercise ordinary care and substantially

contributed to an illegal alteration of the instrument pursuant to, inter alia, A.1.". # '&2%$)A*.

NU.C.C. # 2&%$)A*O

2. 7our amereseres the right to publish the response of =efendant)s* and use said response as the

confession of =efendant)s* to criminal acts andDor iolations in memoranda to the +.1."., "./.C,

@omeland "ecurity, and any and all other goernment entities.

. 5laintiff reseres the 1ight to use the response)s* of =efendant)s* as eidence of fraud in any future

insolency proceeding for 5laintiff caused by the fraudulent claims and actions of =efendant)s*.. 05N! 9!#: N5T0C

T@/ C1+6+AL ACT+J+T+/" 8F =/F/=AT)"* A1/ @+"T81+CALL7 C8"+=/1/= ACT"8F T/1181+"6B A" /J+=/C/= E7 T@/ A11/"T 8F U6/18U" 8T@/1 "UEJ/1"+J/A= 1A=+CAL 58L+T+CAL 918U5" T@AT 8EFU"CAT/ LA;" T8 "T/AL LA=.

!. =efendant)s*, by and through the ens legis of =efendant)s*, has created a ery compleI and far&

reaching conspiracy inoling all =efendants acting by and through the ens legisof =efendant)s* to

diest American citi>ens of their real property and America of its land. The crimes of =efendant)s* are

coered under the 5atriot Act, the 1+C8 Act, the @obbs Act, and other terrorist&preention andconfiscation acts. Therefore, it would be eItremely pre(udicial and biased for this Court to allow the

actions of =efendant)s* to go unreported, and for the appropriate goernmental agencies to not

inestigate and prosecute the criminal terrorist actiities of =efendant)s*. The conspiracy of

=efendant)s* is too complicated, too far&reaching, and the ens legisof =efendant)s* too powerful

for 7our ameto discoer the eItent of the damage ens legisof =efendant)s* hae perpetrated upon

America and American society as a whole.

$. The acts of =efendant)s* are remar-ably similar to the criminal acts committed by numerous

homegrown terroristsB of the 4%s and %s that were terminated by the F.E.+. at the end of the last

century. The most notorious group was -nown as the 5osse ComitatusB in reference to the

Congressional Act by the same name. Their attempted coup dPQtat on this country was based on acts of

stealing peoples land through the use of liensB and other fraudulent documents fraudulently notari>ed

and recorded. These groups filed andDor recorded false documents in the offices of county recorders

throughout this nation causing liensB to be placed on the property of (udges, sheriffs, police officers


18/53

and other goernment agents. "uch actiity was performed through notary fraud similar to that of

=efendant)s* perpetrated upon 7our ame. +n fact, the acts of =efendant)s* are so similar to the acts of

the aforementioned groups, that the#uris prudencelisted on the website in the footnote could be

appropriately used in the criminal prosecution of =efendant)s*.

'. 5ursuant to the 1+C8 Act, 7our ameandDor the goernment is not required by law to establish thematerial facts of the inner wor-ings of the conspiracy of =efendant)s*. =efendantD=efendants are all

represented by, or hae business ties with, the same attorneys andDor law firms, as well as business ties

with other =efendants, which is sufficient eidence to proe the intent and conspiracy of =efendant)s*.

4. 5ursuant to the @obbs Act, 7our ameandDor the goernment is not required by law to establish

the benefits receie from the part of =efendant)s* in the criminal enterprise. The goernment needs

only to establish that criminal actiities of =efendant)s* breech andDor cross state borders. +f in fact the

criminal acts of =efendant)s* breech andDor cross this countrys borders, then additional Acts andDor

Treaties can also be leied against =efendant)s*.. 5ursuant to the 5atriot Act, 7our ameandDor the goernment is not required by law to establish

the benefits receied by =efendant)s* from the criminal enterprise. The goernment need only establish

that the actions of =efendant)s* hae harmed this country in any manner including, without limitation,

economic damage. The obious material fact that the criminal acts by =efendant)s* hae economically

harmed this country may also be considered an act of warB by =efendant)s* against the people and this

country as a whole.

3. Although not a goernmentB act andDor not areligiousB act, it is an incontroertible material fact

that by its nature the criminal enterprise of =efendant)s* is an attac- on United "tates soil and upon

United "tates citi>ens. Accordingly, by law, this criminal enterprise shall be considered terrorist acts.B

2%. The fraudulent and criminal acts of =efendant)s* are nothing more than a duplication of the 5osse

ComitatusB acts, yet are aimed at the citi>enry of this country instead of (ust goernment agents.

5ursuant to the 5atriot Act, these crimes are considered terrorismB and acts of war.B

2. +t would be a blatant iolation of the priileges and immunities proided by the thAmendment of

the United "tates Constitution for this Court to allow =efendant)s* to commit the same crime against

the people of this nation that the F.E.+ considered terrorismB when the ery same crimes were

committed against goernment agents by 5osse Comitatus, a group not much less subersie or

damaging to this country than the =efendant)s*. "ee, !nited "tates Constitution, $%thmendment,

"ection $:All persons born or naturali>ed in the United "tates, and sub(ect to the (urisdiction thereof, are citi>ensof the United "tates and of the "tate wherein they reside. o "tate shall ma-e or enforce any law whichshall abridge the priileges or immunities of citi>ens of the United "tates0 nor shall any "tate deprieany person of life, liberty, or property, without due process of law0 nor deny to any person within its(urisdiction the equal protection of the laws.


19/53

)/mphasis added*

23. +t is an incontroertible fact that the =efendant)s* isDare wor-ing in unison to deprie the people of

this nation of their real property and their rights to =ue 5rocess of Law through filingDrecording false

andDor fraudulent andDor forged documents in public offices. The acts of =efendant)s* are so similar to

the criminal acts committed by the 5osse Comitatus that this Court is incumbent to act against=efendant)s* in the same manner the courts acted against the 5osse Comitatus.

22. The only discernable aesthetic difference between those preiously conicted of the crimes

=efendant)s* isDare committing is the members of the 5osse Comitatus wore camouflage suits with +

loe campingB t&shirts and the =efendant)s* wearing Armani suits with sil- ties. +n the best interest of

=ue 5rocess of Law and Mustice, 7our ameprays this Court consider only at the acts and

consequences thereof. +t is incumbent upon this Court to order the appropriate law enforcement

agencies to inestigate =efendant)s* for potential terrorist actiities committed under the guise of

ban-ing by the ens legisof =efendant)s*.. T/! 9!#: N5T0C

U.C.C. # 2&$%. =ischarge by cancellation or 1enunciation.)a* A person entitled to enforce an instrument, with or without consideration, may discharge theobligation of a party to pay the instrument )i* by an intentional oluntary act, such as surrender of theinstrument to the party, destruction, mutilation, or cancellation of the instrument, cancellation orstri-ing out of the partyPs signature, or the addition of words to the instrument indicating discharge, or)ii* by agreeing not to sue or otherwise renouncing rights against the party by a signed writing.

2. =efendant)s* -nowingly, intelligently and willfully stamped the 8riginal 5romissory ote 5A7

T8 T@/ 81=/1 8F RRRRR ;+T@8UT 1/C8U1"/.B "uch an intentional oluntary act of the

addition of these words to the instrument indicates discharge of the 8riginal 5romissory ote.

=efendant)s* -nowingly, intelligently and willfully conerted the 8riginal 5romissory ote to a

chec-B and then cashedB andDor moneti>ed the 8riginal 5romissory oteDchec-, and proided 7our

ame with Federal 1esere otes as a currency eIchangeB and notas a loan.

2!. =efendant)s* -nowingly, intelligently and willfully made misrepresentations to 7our ameby

claiming that the ens legisof =efendant)s* by and through =efendants ens legisloanedB to 7our

ame the assets of the ens legis, when in fact the ens legis of =efendant)s* actually eIchanged 7our

ames original 5romissory ote for the cash that =efendant)s* receied from moneti>ing 7our

amesoriginal 5romissory ote.

=. 5T/ 9!#: N5T0

78U1 A6/1/FU"/" T8 5A1T+C+5AT/ + T@/ F1AU=UL/T A= 81 T/1181+"TACT+J+T+/" 8F =/F/=AT)"*


20/53

2$. There is no law that can or does require 7our ameto participate in the criminal andDor fraudulent

andDor terrorist actiities of the =efendant)s*. +n fact, the fraudulent andDor criminal andDor terrorist

actiities perpetrated by =efendant)s* upon 7our amehae discharged all 7our amesobligations

andDor instruments in this matter pursuant to, inter alia, the U.C.C. and Ari>ona law.

2'. The claims of =efendant)s* that the U.C.C. does not apply in these matters is a blatant obfuscationof the law. Ari>ona has accepted in totalitythe U.C.C. as it relates to&&matters of and in commerce.

The claims of =efendant)s* that the U.C.C. does not apply in non&(udicial foreclosures are a ruse to

confuse the issue. +n fact, since 7our amehas rebutted the fraudulent presumption that =efendant)s*

isDare in compliance with the U.C.C., =efendant)s* mustimmediately present and e'hibitfor this

Courts inspection the original5romissory ote andprima facieeidence of the authority of

=efendant)s* to act pursuant to, inter alia, U.C.C. # 2&!%)E*)3*.

24. otwithstanding the failure of =efendant)s* to adhere to the U.C.C., the fraud and criminal and

terrorist actiity perpetrated upon 7our ameby =efendant)s* has itiated all purported obligationsof 7our ame. +n accordance with the rulings of the "upreme Court of the United "tates, fraud itiates

eerythingB. 518J+=/ C+TAT+8

=. T/ 9!#: N5T0C

=U/ 518C/"" 8F LA; +" 5U1"UAT T8 6AK+6" 8F LA;.

2. =efendant)s* ino-e)s* =ue 5rocess of Law in this case. Accordingly, this Court must adhere to the

maIims of lawB as required by the definition of =ue 5rocess of Law. All maIims of law, whether

listed or not, are hereby ino-ed in this case.

"ee (lack)s &a* +ictionary, "iIth /dition, page !%%.

=ue process of law. Law in its regular course of administration through courts of (ustice. =ue processof law in each particular case means such an eIercise of the powers of the goernment as the settledmaIims of law permit and sanction, and under such safeguards for the protection of indiidual rights asthose maIims prescribe for the class of cases to which the one in question belongs. +f any question offact or liability be conclusiely presumed against him, this is not due process of law.

Aside from all else, Sdue processS means fundamental fairness and substantial (ustice. aughn v. "tate,

2 Tenn.Crim.App. !, !$ ".;.3d 4', 442. 6aIims of law, which are integral to the =ue 5rocess of

Law, clearly consider deficiencies in process are eiscerated when the party appears.6aIims of Law on Court Appearance:

A general appearance cures antecedent irregularity of process, a defectie serice, etc.

Certain legal consequences are attached to the oluntary act of a person.

The presence of the body cures the error in the name0 the truth of the name cures an error in the

description.

An error in the name is immaterial if the body is certain.


21/53

An error in the name is nothing when there is certainty as to the person.

The truth of the demonstration remoes the error of the name.

%. 7our ame followed serice instructions as issued by =efendant)s* )"ee/Ihibit *. +t is not

common -nowledge as to anything 6r. 6a>ilo does or where he is, probably for good reason. 7our

ame used the terms et al. and andDor his successorB in the eent =efendant)s* attempted to transferhisDitsDtheir criminal liability unto other parties.

=. BT/ 9!#: N5T0

=/F/=AT A=D81 =/F/=AT" CA8T @AJ/ ALL T@1//.

. +t is repugnant in equity that any =efendant andDor =efendants will garner all three aspects of the

purported agreementB if =efendant andDor =efendants preail in this issue. The three material issues in

this lawsuit are: i* the real property0 ii* the ote0 and iii* the money. +t is a material fact that the U.C.C.

prohibits such an un(ust enrichment windfall, as eidenced by U.C.C. # 2&!%)E*)3*.

3. 5ursuant to, inter alia, U.C.C. # 2&!%)E*)3*, 7our amehereby demands =efendant)s*:i* /Ihibit the +nstrument for +nspection to this Court and 7our ame0

ii* 5roide this Court with reasonable eidence of authority to do so0 and

iii* "urrender the +nstrument if =efendant)s* isDare successful in legally stealingB 7our ameshome.

U.C.C. # 2&!%. 5resentment.)b* The following rules are sub(ect to Article , agreement of the parties, and clearing&house rules andthe li-e:

)3* Upon demand of the person to whom presentment is made, the person ma-ing presentment must )i*eIhibit the instrument, )ii* gie reasonable identification and, if presentment is made on behalf ofanother person, reasonable eidence of authority to do so, and )iii* sign a receipt on the instrument forany payment made or surrender the instrument if full payment is made.

=. 0=0NT/ 9!#: N5T0

+ ACC81=AC/ ;+T@ T@/ U+T/= "TAT/" C8"T+TUT+8, A1T+CL/ F8U1 "/CT+8 ,T@+" C8U1T 6U"T A=@/1/ T8 T@/ =/C+"+8 + T@/ UTA@ C8U1T" EA11+9)i.e., EA< 8F A6/1+CA*F186 F81/CL8"+9.

2. Full Faith and Credit shall be gien in each "tate to the public Acts, 1ecords, and (udicial5roceedings of eery other "tate. And the Congress may by general Laws prescribe the 6anner in

which such Acts, 1ecords and 5roceedings shall be proed, and the /ffect thereof.B

Article +J, "ection of The United "tates Constitution, commonly -nown as the Full Faith and Credit

Clause.

The Full Faith and Credit Clause addresses the duties that states within the United "tates hae to

respect the Spublic acts, records, and (udicial proceedingsS of other states. According to the "upreme

Court, there is a difference between the credit owed to laws )i.e. legislatie measures and common law*


22/53

as compared to the credit owed to (udgments. Mudgments are generally entitled to greater respect than

laws, in other states. C+TAT+8+n addition, 34 U.".C. # '24 proides:"uch Acts, records and (udicial proceedings or copies thereof, so authenticated, shall hae the same fullfaith and credit in eery court within the U" and its Territories and 5ossessions as they hae by law orusage in the courts of such "tate, Territory or 5ossession from which they are ta-en.

. Article +J, "ection of The United "tates Constitution requires states to gie Sfull faith and creditS

to the public acts, records and court proceedings of other states. Congress may regulate the manner in

which proof of such acts, records or proceedings may be admitted. +n-ills v. +uryee, U.". )'

Cranch* +" T@+" C811/CT???4 )42*, the United "tates "upreme Court ruled that the merits of a

case, as settled by courts of one state, must be recogni>ed by the courts of other states0 state courts may

not reopen cases which hae been conclusiely decided by the courts of another state. Later, Chief

Mustice Mohn 6arshall suggested that the (udgment of one state court must be recogni>ed by other statesP

courts as final.!. 5ursuant to a Court 8rder issued on 6ay 33, 3%% by the @on. Mames L. "humate, Fifth =istrict

Court, United "tates =istrict Court of Utah, all foreclosure proceedings are stopped in the "tate of Utah

by Ean- of America Corporation, 1econtrust Company, .A, @ome Loans "ericing, L5, Ean- of

America, F"E. )www.enisionlawfirm.com.* The Court 8rder, if allowed to become permanent, will

force Ean- of America and other mortgage companies with home loans in Utah to adhere to the Utah

laws requiring lenders to register in the state and hae offices where homeowners can negotiate face&to&

face with their lenders as the state lawma-ers intended. "ee,T#T5N

$.=efendants???? Attorney Earlow stated:Can you imagine the audacity of the Ean- of America and other big mortgage lenders that too- billionsin bailout funds to help resole the mortgage mess and the financial institutions now are profiting by-ic-ing people out of them homes without due process under the law of the "tate of Utah. . . . The lawis clear in Utah and Mudge "humate saw it clearly too. 6ortgage lenders are required by law to beregistered and hae offices in the "tate of Utah to do business, that is unless youre the Ean- ofAmerica or one of their subsidiary companies who are aboe the law in Utah.

Attorney Earlow further noted that the Ean- of America attorneys are wor-ing oertime filing motions

to oerwhelm him and the court.

They simply hae no answer for iolating the state statutes and they dont want to incur the wrath ofMudge "humate because of the serious ramifications his finding could hae on lenders in Utah andacross the nation where Ean- of America and other financial institutions, under the guise of a mortgagelender, hae trampled the rights of citi>ens. . . . Ean- of America too- oer the ban-rupt Countrywide@ome Loan portfolio Mune 2, 3%% in a stoc- deal that has oer %% home owners in foreclosure inUtah this month alone, and the numbers -eep growing.B

'. The second part of the motion that Attorney Earlow filed claims that neither the lender, nor 6/1"

N6ortgage /lectronic 1egistration "ystemO, nor Ean- of America, nor any other =efendant, has any


23/53

remaining interest in the mortgage 5romissory ote. The note has been bundled with other notes and

sold as mortgage&bac-ed securities or otherwise assigned and split from the Trust =eed. ;hen the note

is split from the trust deed, the note becomes, as a practical matter, unsecured.Bestatement 0hird1 of

Property-ortgages1,# !. cmt. a )'* )A person or entity only holding the trust deed suffers no

default because only the ote holder is entitled to payment. * Easically, NtOhe security is worthless inthe hands of anyone eIcept a person who has the right to enforce the obligation0 it cannot be foreclosed

or otherwise enforced.Beal 2state 3inance &a* 3ourth1, # !.3' )3%%3*.

1/"5/CTFULL7 "UE6+TT/= this day of , 3%%.7our ame, 5laintiffpro per

7our ame, 5laintiffpro per(if 2 plaintiffs))"igned resering myDour rights under

U.C.C. #&2%4*

=00! T#T080NT

7our ame, 5laintiffD=efendantpro per, states that heDshe is competent to state the matters set forthherein, has first&hand -nowledge of the facts stated herein, and attests that to the best of hisDher-nowledge and belief, l the facts herein are true, correct and complete, not misleading, to the best ofAffiants -nowledge and belief, and admissible as eidence, and if called upon as a witness, Affiant willtestify to their eracity.

7our ame, 5laintiffD=efendant pro per"igned resering all my rights under U.C.C. #&2%4

C/1T+F+CAT/ 8F "/1J+C/

81+9+AL and 8/ C857 deliered tothe Court and Mudge this day of , 3%%.+ @/1/E7 C/1T+F7 that a true and correct copy of the Mudicial otices hae been furnished bycertified U.". 6ail this date to:

1/C8T1U"T C865A7, .A.ATT: MA6/" F. TA7L81, andDor his successor324% 5erformance =r. TK3&4!&%'&%21ichardson, TK '!%43


24/53

EAC @86/ L8A" "/1J+C9, L5ATT: E1+A T. 687+@A, andDor his successorAttn: Foreclosure =ept.%% C8UT17;+=/ ;A7 "J& 2!"imi Jalley, CA 2%$!

EA< 8F A6/1+CAATT: E1+A T. 687+@A, andDor his successor58 EoI !'%"imi Jalley, CA 2%$3&!'%

681T9A9/ /L/CT18+C 1/9+"T1AT+8 "7"T/6", +C.ATT: 1.


25/53

M56819AC@A"E!$%6ission"t."anFrancisco, California%!

oticetoprincipalisoticeto agent,andoticetoagentisnoticetoprincipal,intheirpriatecapacity, applicabletoallsuccessorsandassigns.%3&33&3%

ertified8ailNumberC&&&&&&&&&&&&&&&&&&&&&&&Totheban-inginstitution,andDorcorporateentity,andDorentityperse,doingbusinessasM5 6819A C@A"/,andtothelegaldepartment ofM56819AC@A"E:

00! 5 #0 WT/5T !/5N5 3*&'1

5leaseta-enoticeofmydemandtocanceltheallegedcreditaccountissuedbyyourinstitution, xxxnsertYour#ccountNumber/erexxx,and+demandproofofitscancellation.The creditcardissuedbyyourorgani>ationhaspreiouslybeendestroyed,so+amunabletoreturn it.+naddition+demandthatallrelated computergeneratedboo--eepingentriesconcerning myaccountbedestroyed.Failureonyourparttocomplywithmydemandsmayresultincourt actiontocompelperformanceofsaiddemands.Furtherbeadisedthatanyactionbyyou or youragentsinanyattempttocollectonthisaccountmayresultinimmediatecourtaction.Any referralofmyaccounttoacreditreportingagencyindicatingnegatieinformationwillbeconsideredlibelandadamageofmygoodnameincommerceand+mayfileafederalcourt action.6yactionsareta-eninatimelymannerwiththisrefusalforcause,pursuanttoUCC2&!%

1efusalforCause;ithout=ishonor0UCC 2&!%)b*)2*states:45ithoutdishonoringtheinstrument,thepartyto*hompresentmentismademayi1returntheinstrument forlackofanecessaryendorsement,orii1refusepaymentoracceptanceforfailureofthepresentmenttocomply*iththetermsoftheinstrument,anagreementoftheparties,orotherapplicablela*orrule.SThereasons formyrefusalforcauseareasfollow:5NTT=0#!;henapplyingformycreditcard,+wasunderthemista-enbeliefthat 56819A C@A"/wouldbeloaningmedepositorsmoney whichitreceiedfromitsdepositorsorinestors.7ourinstitutionisauthori>edbyitsCorporateCharterpowerstoloanmeitsmoney. +tisnotauthori>edbyitsCorporateCharterpowers,norbyanystateorfederalstatutetolendmeits credit.


26/53

6ichieonEan-sandEan-ing,ChapterJ++#0!ChartersandEan-ingLawsstatesthe following:

4Charter+elineates n!'5owers.&&The powersofaban-ingcorporationarelimitedbyitscharteroramendedcharter, n!4both astowhatitcando,andbywhomandhowitcanact,andonedealingwithaban-isdeemedtohaenoticeofthe limitsofitscharterpowers. n!And

ban-ing

powers cannot

be

eIercised

under

charters granted

for

other

purposes,

whethersuchpowersareprohibitedormerelynotmentioned. n$%Acharterproisionconferring

ona stateban-therights,powers,priilegesandimmunitiesofthestatehasbeenheldapplicabletoalleidences ofdebt ownedbytheban-. n$Andthecharterofaban-willbeconstruedstrictlyagainstthestoc-holders andinfaorofthestate,andnopriilegesorpowerswillbe implied.n$3&imitationsImposedby"tatute.&&Li-eothercorporations, ban-s can onlyeIercisethepowers

andcarryonthebusinesswhichthestatute underwhichtheyarecreatedhaseIpresslyorimpliedlyauthori>edthem toeIerciseandcarryon.n$2S

Further,thecourtshaeheld:Aban-ingcorporationcanma-enocontracts,anddonoacts,eitherwithinorwithoutthestate whichcreatesit,eIceptsuchasareauthori>edbyitscharter0andthoseactsmustalsobedone, bysuchofficersoragents,andinsuchmanner,asthecharterauthori>es.(ankv.2arle,24U.". )25et.*!,%L./d.3'."ee 5aters6Pierce7ilCo.v.0e'as,''U.".34,3% ".Ct.!4,

L./d.$!'0Pacific.emovalCases,!U.". ,! ".Ct.2,3 L./d.20(artholome*v.(entley,8hio"t.2'.

/en in theabsenceofstatutoryrestriction,acorporationhasnorighttoeIerciseban-ingfunctionsunlesssuchrightbeconferredbyits charter,eitherdirectlyorbynecessaryimplication.-orrisv.5ay,$8hio$0-iami2'portingCo.v.Clark,28hio0"tatev.5ashington,etc.,&ibraryCo.,8hio$0"tatev.8ranvillele'andrian"oc.,8hio.+ haefoundbyreadingS6odem6oney6echanics,SSTwoFacesof=ebtS, andS5oints of +nterestS,publishedbytheFederal1esereEan- ofChicago,thatM56819A C@A"E createdthecredititloanedtome, byusingmypromisetopayit,generatedcomputerentriestomyaccount,listingthe loanasacredit.+neffect, creatingSmoneySoutofthinair.8odern 8oney 8echanics, page 3

Then, ban-ersdiscoeredthatthey couldma-eloansmerelybygiingtheirpromisestopay,orban-notes,toborrowers.+nthisway,ban-sbegan tocreatemoney.6orenotes couldbeissuedthanthegoldandcoinonhandbecauseonly apmiionofthenotes outstandingwouldbepresentedforpaymentatanyonetime./noughmetallicmoneyhadtobe-eptonhand, of course,toredeemwhateerolumeofnoteswaspresentedforpayment.Transactiondepositsarethemodemcounterpartofban-notes.+twasasmallstepfromprintingnotestoma-ingboo-entriescreditingdepositsofborrowers,whichtheborrowersintumcouldSspendSbywritingchec-s,therebySprintingStheirownmoney.

6odern 6oney 6echanics,page $


27/53

+fbusinessisactie,theban-switheIcessreseresprobablywillhaeopportunitiestoloan the,%%%.8fcourse,theydonotreallypayoutloans fromthemoneytheyreceieasdeposits.+f theydidthis,noadditionalmoneywouldbecreated.;hatthey dowhentheyma-eloansisto acceptpromissorynotesineIchangeforcreditstotheborrowersPtransactionaccounts.Loans)assets*anddeposits)liabilities*bothriseby,%%%.1eseresareunchangedbytheloantransactions.

Eut

the

deposit

credits

constitute

new

additions

to

the

total

depositsof

the

ban-ingsystem.

TwoFacesof=ebt,pageEutadepositorPsbalancealsoriseswhen thedepositoryinstitutioneItendscredit&eitherbygrantingaloantoorbuyingsecuritiesfromthedepositor.+neIchangeforthenoteorsecurity, thelendingorinestinginstitutioncreditsthedepositorPsaccountorgiesachec-thatcanbe depositedatyetanotherdepositoryinstitution.+nthiscase,nooneelselosesadeposit.The totalcurrencyandchec-abledeposits&themoneysupply&isincreased. ewmoneyhasbeen broughtintoeIistenceby eIpansionofdepositoryinstitutioncredit.

"uch

newly

created

funds are in addition

to

funds

that

allfinancialinstitutionsproideintheiroperationsasintermediaries betweensaersandusersofsaings.

5oints of +nterest,page '

=epository institutions,whichforsimplicitywewillcallban-s,aredifferentfromotherfinancialinstitutionsbecausetheyoffertransactionaccountsandma-eloansbylendingdeposits.This depositcreationactiity,essentiallycreatingmoney,affectsinterestratesbecausethesedepositsarepartofsaings,thesourceofthesupplyofcredit.

Ean-erscreatedepositsbyma-ingloans.1atherthanhandingcashtoborrowers,ban-s simplyincreasebalancesinborrowersPchec-ingaccounts.Eorrowerscanthendrawchec-sto payforgoodsandserices.Thiscreationofchec-ingaccountsthroughloansis(ustasmucha depositasonewemightma-ebypushingaten&dollarbillthroughthetellersPwindow.;ithall ofthenationPsban-sabletoincreasethesupplyofcreditinthisfashion,creditcouldconceiablyeIpandwithoutlimit.+nnone ofmytransactionswithM56819AC@A"/ ,didanyofficeroremployeenotifymethatyourban-createdmoneybya(ournalentry)outofthinair*. Afterdiscoeringthis,+ampreparedtoproceedagainstM56819AC@A"/forban-fraud.TheEan-Pstransactions relatingtomelac-edtwonecessaryelementsofaalidcontract.5erhapsyoushouldbeawareofthefollowing:!nited"tatesCode,0itle$9,"ection9%,Paragraph'confersuponabankthepo*ertolenditsmoney,notitscredit.


28/53

6ichieonEan-s andEan-ing,Chapter KJ,"ection!,statesthefollowing:S"ourceand9eneralature.&&Thefederalstatutesrelatietonationalban-sconstitutethe authorityofsuchban-s,andthey cannotrightfullyeIerciseanypowers eIceptthoseeIpresslygrantedorwhichareincidentaltocarryingon thebusinessforwhich theyareestablished.n& "tatutesarestrictlyconstruedindeterminingthepowersanddutiesofnationalban-sbecause

of

the

public

interest

inoled.S

ational ban-s possess onlypowersconferredbyCongress.&& +n re Armi(oPs ;ill, !'.6. $,3$ 5.3d 422)!2*05eople.Fran-linatPlEan-,34App.=i.'!',4 .7.".3d3%)!2*,rePdonothergrounds,2' U.". 2'2, ' ". Ct. !!%, 4 L. /d. '$' )!*.

ational ban-scaneIerciseonlytheauthoritythathasbeeneIpresslyorimpliedlygrantedtothembyCongress. American Trust Co. . "outh Carolina "tate Ed. of Ean-Control, 24 F. "upp. 22 )=.".C. '*, citing6ichieonEan-sandEan-ing.5owersnotconferredare denied.&&Themeasureofpowersofnationalban-sisthestatutorygrant,

and

powers

not

confeTed

by Congress

are

denied.

7on-ers . =owney, 2% U.". !%,$%". Ct. '$, 4 L. /d. $ )%*,affg%$ F.3d $ )3d Cir. 2*, affg32 F. "upp. %4 )".=..7.

24*,rehearingdenied,2% U.". $!$,$% ". Ct. %', 4 L. /d. 3% )%*. 9enerally,failuretoeIpresslygrantpowertonationalban-snegatiesits eIistence.Eerylwood +n. Co. . 9raham,2 Cal. App. 3d $!, 5.3d $' )*.Anationalban-canacquirenoright,ma-enocontract,bringnosuitwhichisnotauthori>edbyalawoftheUnited"tates.+tisnotonlyitselfthemerecreatureofalaw,butallitsactionsand allitsrightsare dependentonthesamelaw.5acific1.1.1emoalCases, ! U.".,!". Ct.

2,3L./d.2)44!*.+nFirstationalEan-ofTallapoosa6omoe,2!9a.$0$"./.32)*,thecourt, aftercitingthestatuteheretoforequoted,said0SNTOheproisionsreferred todonotgiepowertoanational ban-toguaranteethe5ayment oftheobligationsofotherssolelyfortheirbenefit,nor issuchpower incidentalofthebusinessofban-ing.A ban-canlenditsmoney butnotitscredit.SAgainin@oward V Foster Co. Citi>ensational Ean- of Union,22".C.3%302%"/'!4,)3'*itwassaid:S+thasbeensettledbeyondcontroersythat anationalban-,underfederallaw,beinglimitedinits powerandcapacity,cannotlenditscreditbyguaranteeingthedebt ofanother.Allsuchcontractsbeingenteredintobyits officersareultrairesandnotbindinguponthecorporation.S"eealso6erchants Ean- of Jaldosta Eaird ,$%F$30'Lns!3$)4'$*.M56819A C@A"/didnotnotifymethatitcreated moneyby(ournalentry)outofthinair*, definedasSban-creditS.Tohaedonesowouldhaedisclosedthattherewasnoconsideration from M56819AC@A"/tome.

SAlawfulconsiderationmusteIistandbetenderedtosupportthenote.S"eeAnheuser Eusch


29/53

Erewing Co. /mma 6ason,6inn.24,$ ;!!4 )4%*.Ifthereisnofulldisclosureand noconsideration,thereisnocontract."05N#>0

M56819A C@A" Ps

manner

of

transacting

business

has

made

me

adebt

slae,

in

iolationoftheThirteenthAmendmenttotheConstitutionof theUnited"tates,whicheIpresslyforbids

inoluntaryseritude.TheUnited"tates"upremeCourtinaddressinginoluntaryseritude,alsocalledpeonage,inClyatt . U.".,'U.".3%',3!&3$03!".Ct.302L./d.'3$)%!*,whenitsaid:S5eonageissometimesclassifiedasoluntaryorinoluntary,butthisimpliessimplya differenceinthemodeof8rigin,butnoneofthecharacteroftheseritude.TheoneeIists wherethedebtoroluntarilycontractstoenterthesericeofhiscreditor.Theotherisforced uponthe debtorbysomeproisionoflaw.S+naddition,M56819AC@A"/PsmethodofcreatingmoneyoutofthinairandcharginginterestuponthetransactionisaiolationoftheEiblicallaw ofS(ustweights andmeasures.SM56819A C@A"/ createdmoneyinmomentswhichta-esmeyearsoflabortopayoff. M56819AC@A"/hasmademeadebtslaebycontrollingmylabor,whenitloanedme Sban-creditSinandnotmoney.70N5T0!that+ nolongerconsenttoacceptingM56819AC@A"/Psdemandsupon

meformymoney.7ourmannerinthe conduct ofyourban-ingbusinessisindirectiolationof thelawsof contracts,theConstitutionoftheUnited"tates ofAmerica,9odPslaw andmyciil rights.

0=5#T5N5>N#T0Eymy refusalofM56819AC@A"/PsstatementinatimelymannerpursuanttoUCC2&!%. +herebyreo-e,rescind,andrepudiatemysignatureontheoriginalapplicationpresentedto M5 6819A C@A"/ .The originalapplicationwasfraudulentonitsface,asfulldisclosurewas notproided.Theapplicationdidnotinform methatM56819AC@A"/wasloaningme Sban-creditScreatedoutofthinair,notmoney.@adM56819AC@A"/so disclosedthisfacttome,that+ wasinfactborrowingSban-creditS,notmoney,+ wouldhae-nown thattheelementofconsiderationwasmissingfromthe contractandwouldhaenotenteredinto thatagreement. Awell&establishedprincipalof law statesthat fraudhasnostatuteoflimitationsanditspresenceitiates anyandeerycontractoragreement. +ma-edemandupon yourEan-tocancelour agreement andreturntomeeery dollarofmylabor, plus allinterest+haeeerpaidtoyouforthedurationoftheagreement. +willcontacttheendorsdirectlyconcerning paymenttothemanyproducts orserices+mayhaepurchasedfromthem.

5N"#Y


30/53

7ouandyour fellowban-ershaebeen allowedtodefraudtheAmericanpublicformanyyearandcanonlybeeIplainedbythe-nowledgethattheFederal1cscrt:Ean-sarepriatelyownedandareaoperatedforprofitCorporation.Eecauseofyourinterlocutoryrelationshipand practices,allban-sinthiscountryareinlaw,tobeconsideredasoneandthesame,inthateach ban-intheFederal1eseresystemisobligatedtoacceptthechec-sofothermemberban-s,asiftheyissuedsaidchec-.+find

it

unconscionable

that

M5

6819A

C@A"/ has

been

able

to transfer

my

labor

to

its

balance

sheetbymereboo--eepingentriesintoitscomputer.This egregiousiolationoflawandmyciilrightsshoc-stheconscienceofalllawabidingciti>ens.

N5T0

UCC2&!%2allowsyouthirty)2%*daysfromreceiptofthis1efusalforCause;ithout=ishonorotice,tostateunderoathyourrebuttaltomycauses,supra.

+fyou

do

not

respond

within

thirty

)2%*

days from

the

date

of

your

receipt of

this

8T+C/,

a default

willbecreatedbyyourmaterialmisrepresentation,whichitiatesanytransaction occurringfromthebegi

nningofourdoingbusinesstogetheruntilthirty)2%*daysfromthedate firstaboewritten. UCC&%2.+f,withinthirty)2%*days,youdonoteitheranswertheaboeunderoathorproideme5roof ofthecancellationofthiscomputergenerateddebt,thereturnordestructionofmyapplication,andthereturn ofallFederal1esereotesthat+haepaidtoyousincethebeginning ofour businessrelationship,+maysee-damagesagainstyourEan-forfraud.TheUniform CommercialCodeandcommonlawholdingsallowmetosee-thereturnofallFederal1esere otespaidtoM56819A C@A"/plustrebledamages.

>5=0NY50:=0#5!N>:Y"incerely,;ithout5re(udice,

+78U1 A6/ 78U1A=81/"78U1

C+T7.

"TAT/ G+5

Nunc "ro Tunc #ffidaAit of eAocation of ignature for ause

ComesnowAffianthaingfull,first&hand-nowledgeofthefactshereinand byma-ingthisaffidaitof onePs first&hand-nowledge,affirmsthatthefactsstatedhereinaretrue


31/53

andcorrecttothebestofhisDher-nowledgeand belief.. ThatAffiantsigneddocumentsbelieedatthetimeofsigningtobeanauthori>edagreementforcredit,without-nowledgethata fraudwasbeingperpetrateduponAffiant.3. ThatAffiantwasinducedinto signingdocumentswithout any-nowledgethat a fraudwas

being

perpetrated

upon

Affiant.

2. ThatAffiantPsreocationofsignaturenuncprotuncconstitutesarecessionofsignature. Thus,thecontractnolongereIists.

2&!%0

Affiantherebyreo-esandma-esoidallsign

atures forcausepursuanttoUCCowAffiantisformallyandtimelyremoingtheaforementionedsignature)s*

foralltimeandremoinganyneIusthatM56819A C@A" maypresumetohaeoerAffiantbyirtueofsaidsignature)s*. FurtherAffiantsayethnot.

78U1A6/ 78U1A==1/""

78U1C+T7,"TAT/ G+5"tateofCaliforniaCountyof "ubscribedandsworntobeforemeofthisdayof ,3%,by

proentomeonthebasisof satisfactoryeidencetobetheperson)s* whoappearedbeforeme.

,otary5ublic

6yCommission/Ipires:


32/53

78U1A6E 78U1A==1/""

78U1C+T7."TAT/G+5M56819A C@A"/!$%6ission"t."anFrancisco,California %!

;+T@8UT51/MU=+C/oticetoprincipalisoticetoagent,andoticetoagentis oticetoprincipal,intheirpriatecapacity,applicabletoallsuccessorsandassigns0

%2&3&3%

Certified6ail umber:&&&&&&&&&&&&&&&&&&&&&&&&&&

0C#ccountxxxnsertYour#ccountNumber/erexxx

N5T0 5 !0#:T

Totheban-inginstitution,andDorcorporateentity,andDorentityper se,doingbusinessasM5 6819AC@A"/ :

Todateyouhaenot answeredmyquestionsintheoticeof=isputeofAccount+sent on3&&3%%,norhaeyouansweredmyquestionsintheoticeofFault+sent on%&3&3%.7ouhaealsofailedtoanswerthe oticeof1efusalforCause;ithout=ishonor,dated

%3&33&3%. Therehas alsobeennorequestforfurthertimetorespond.Accordingly,thisisyour8T+C/of=/FAULTinthismatter.Therefore,my formerallegedaccountwithyouiscompletelyclosed,eliminatedandDor dischargedoftheentirebalanceoftheallegedaccountreferencedaboe,and+amtobe completely remoedfromyourrecords.+alsorequest,ifpossible,abalancestatement showingthatnofurthermoniesareowedandnobalanceisdue. 6yintentionisnotthe eIposureofyour fraudbut simplymyremoalfromit.+donot authori>enorconsent tothe sale,or transfer,orassignment,ornoationof thisallegeddebttoathirdpartyandDoranotherparty.Anyreferralofmyaccounttoacreditreportingagencyindicatingnegatieinformationwillbeconsideredslanderandadamageofmygoodnameincommerceand+mayfilea federalcourtaction.


33/53

"incerely,;ithoutpre(udice,

78U1A6

#ffidaAit of !efault

ComesnowAffianthaing full,first&hand-nowledgeofthefactshereinandbyma-ingthis affidaitof onePsfirst&hand-nowledge,affirmsthatthefactsstatedhereinaretrueandcorrecttothebestofhisDher-nowledgeandbelief.. That on,orabout,3&&3%%Affiantsentto M56819AC@A"/ oticeof=ispute ofAccount03. ThatAffianthasneerreceiedanswerstoquestionsas-edintheoticeof=isputeof

Account0

2. That on,orabout,%&3&3%AffiantsenttoM56819AC@A"EoticeofFault0. ThatAffiant hasneerreceiedanswerstoquestionsas-edintheoticeofFault0!. That on,or about,%3&33&3%AffiantsentM56819AC@A" oticeof1efusal forCause;ithout=ishonor0$. ThatAffianthasneerreceiedanswerstoquestions as-edintheoticeof1efusalfor

Cause;ithout=ishonor0'. That on,or about,%3&33&3%AffiantsentM56819AC@A" noticeofAffiantPs1eocationofAffiantPs"ignatureonalldocumentsheldbyM56819AC@A"/andDor Affiantconcerningthismatter,thus,anycontractor agreementnolongereIists04. ThatAffianthasneerreceiedarequestfrom+T56819AC@A"Eforfurthertime torespond.


34/53

owAffiantisformallyandtimelydeclaringthedisputebetweenAffiantandM5 6819AC@A"Ein=efault,remoingtheaforementionedallegeddebt)s*and obligation)s* toM56819AC@A"Efor alltime andremoinganyneIusthatM56819AC@A"/maypresumetohaeoerAffiant.

FurtherAffiantsayethnot.

78U1A6/ 78U1A==1/""78U1C+T7,"TAT/G+5

"tateofCaliforniaCountyof

"ubscribedandsworntobeforemeofthisdayof

,3%l,by

proentomeonthe basisofsatisfactoryeidencetobetheperson)s*whoappearedbeforeme.

,otary5ublic

6yCommission

/Ipires:

AC@A"/!$%6ission"t.


35/53

"anFrancisco,California%!C/1T+F+/=6A+L:&&&&&&&&&&&&&&&&&&&&&&&&%&3&3%

TotheentityandDorban-inginstitutiondoingbusinessasM56819AC@A"/:oticeto agentofprincipalisoticetoprincipal,andoticetoprincipalisoticetoagentofprincipal.8n3&&3%%,+sentyoualetteras-ingthatyousupplymewithinformationregardinghow theM56819AC@A"/chargecardoperatesandhowchargesmadebymearehandledwithinyoursystem.Asofthisdatemyquestionsremainunanswered.+haeseeral questionswhichmustbeansweredbefore+ continuetoma-epaymentsontheaccountnumberofIII+nsert7ourAccountumber@ereII .Thenameontheaccountis78U1A6/."incemylastletter,+haedoneaneIhaustieamountofresearchregardingthesub(ectmatter ofthat letter,andthisone.7ouhaerefusedtoanswermyquestions.United

"tates

Code,

Title

3, "ection

3,

confers

upon

aban-

the

power

to

lenditsmoney,notitscredit.

6ichieonEan-sandEan-ing,ChapterKJ,"ection!,statesthefollowing:S"ourceand9eneralature.&&The federalstatutesrelatietonationalban-sconstitutethe authorityofsuchban-s,andtheycannotrightfullyeIerciseanypowerseIceptthoseeIpressly grantedorwhichareincidentaltocarryingonthebusinessforwhichtheyareestablished.n&"tatutesarestrictlyconstruedindeterminingthepowersanddutiesofnationalban-sbecause of thepublicinterestinoled.S

ationalban-spossessonlypowersconferredbyCongress.&&+nrermi#o:s5ill,!'.6.$,3$5.3d422)!2*0Peoplev.3ranklinat:


36/53

cticeofcreatingcreditonyourboo-sandthenloaningit.Loaningme yourcredit,andusingmyallegeddebtasanassetisnotwithinyourcorporatecharterpowerstodo.This,inmyopinion,maybeban-fraudandpossiblya1.+.C.8.iolationoflaw.+fyou canproideeidencetomethatyourban-actuallygaemeortheendorsinoledlawful money,orsomethingofsubstanceotherthananelectronicentryusingmychargeasadepositon yourboo-s,inordertocreateanelectronicdeposittotheendorsPaccounts)chec-boo-money*, then+willbewillingtopayanylegitimate

and

lawful

balance)s*

due.

AccordingtotheAdministratie5roceduresAct,!U"C,whendealingwithan agencyorinstrumentalityofthegoernmentsuchasyourban-ingentity,+amrequiredtoeIhaustadministratieoptions.+nadditiontomyoriginalrequests,+wouldalsoli-eyoutoproidemewiththefollowinginformation..=idM56819AC@A"/loanlawfulmoneytome?3. =idM56819A C@A"/loangoldorsilertome?2.=idM56819AC@A"/loanitscredittome?.=id+signanagreementwithM56819AC@A"/whichpreentsmefromrepaying youincredit?

!.=oyouinformanallegedborrowerthatyouusetheallegedborrowerPsloantocreate theerymoneyandDorcredityourinstitutionloansouttotheborrower?$.=oesyourinstitutionhaeapolicytoshowthe samemoneyintwoseparateplacesat thesametime?'.=oesyourinstitutionclaimtoloanoutmoneyorcreditfromsaingsandcertificatesof depositswhileneerreducingtheamountofmoneyorcreditfromsaingsaccountsor

certificatesofdeposits,whichcustomerscanwithdrawfrom?4.Usingtheban-ingpracticeinplaceatthetimetheloanwasmade,isittheoretically possibleforyourinstitutiontohaeloanedoutapercentageofthe"aingsAccountsand Certificatesof=eposits?+ftheansweris 8,eIplainwhytheansweris8..+sittruethatyourinstitutioncreates)chec-boo-*moneywhentheban-grantsloans, simplybyaddingdepositdollarstoaccountsontheban-Psboo-s,ineIchangeforthealleged borrowerPsnote?%.AccordingtoyourinstitutionPspolicy,isapromisetopaymoneytheequialentofmoney?.=oesyourinstitutionuseaborrowerPsassumednotetocreatenewban-money,whichdid noteIistbeforetheassumednotewassigned?3.


37/53

=oesyourinstitutionuseanyformofnotetocreatenewmoneywhenyourinstitution loanscredittosomeone?

2.=idyourinstitutionta-emoneyfromany=emand=epositAccount)==A*,"aings Account)"A*,oraCertificateof=eposit)C=*,oranycombinationofany==A,"AorC=,and loanthismoneytothealleged

borrower?

.=idM56819AC@A"/replacethemoneyorcredit,whichitloanstoanalleged borrowerwiththeallegedborrowerPsassumednote?!.=idM56819AC@A"/ta-eanassetcalledmoney,orthecreditusedascollateralfor customersPaccountdeposits,toloanthismoneytotheallegedborrower,andDordidyour institutionusetheallegedborrowerPsnotetoreplacetheassetitloanedtotheallegedborrower?$.=idthemoneyorcreditwhich M56819AC@A"/claimstohaeloanedtothealleged borrower,comefromdepositsofmoneyorcreditmadebyM56819AC@A"/Pscustomers, eIcludingtheallegedborrowerPsassumednote?'.Atthetimeoftheallegedloanofyourcredittome,wasthereonedollarofFederal 1esereotesinyourpossessionforeerydollarowedin"aingsAccounts,Certificatesof =epositsandChec-ingAccounts=emand=epositAccountsforeerydollarofthealleged loan?4.=oesyourinstitutionhaeapolicytopreentanallegedborrowerfromdischargingthe noteinSli-e-indfundsSwhichyoudeposited,fromwhichtoissueachec-orloancredit?

. +syourinstitutionrequiredtoobeytheUCClawsconcerning,Commercial5aper, CommercialTransactions,Commercial+nstruments,andegotiable+nstruments?

3%. =idyourinstitutionlendtheallegedborrowerM56819AC@A"/Psassets,orM5 6819AC@A"/Psliabilities?3. ;hatisM56819AC@A"/Psdefinitionof SCreditS?33. ;hatisM56819A C@A"/ PsdefinitionofSLoanS?32. ConsideringthebalancesheetentriesofM56819AC@A"/Psloanofmoneyorcredit totheallegedborrower,didyourinstitutiondirectlydecreasethecustomerdepositaccounts)i.e. ==A,"A,andC=*fortheamountoftheloan?3.=escribetheboo--eepingentriesrequiredtoopenthisaccount.3!.=idM56819AC@A"/Psboo--eepingentriestorecordtheloanandthealleged borrowerPsassumednoteeer,atanytime,directlydecreasetheamountofmoneyorcreditfrom anyspecificcustom


38/53

erPsdepositaccount?3$. =oesM56819AC@A"/haeapolicy,orpracticetowor-incooperationwithother ban-s,ban-inginstitutions,orfinancialinstitutionsuseanallegedborrowerPsnoteascollateral tocreateanoffsettingamountofnewmoney,ban-money,orcredit,orchec-boo-money,or ==Agenerallytoequaltheamountoftheallegedloan?3'. 1egardingtheallegedborrowerPsassumedloan,giethenameof theaccountwhichwasdebitedtorecordthenote.34. 1egardingtheboo--eepingentryreferredtoinopeningthisaccount,statethenameandpurposeoftheaccountwhichwascredited.3.;hentheallegedborrowerPsassumednotewasdebitedasaboo--eepingentry,wasthe offsettingentryacreditAccount?2%. 1egardingtheinitialboo--eepingentrytorecordtheallegedborrowerPsassumednoteandtheassumedloantotheallegedborrower,wastheboo--eepingentrycreditedforthemoneyloanedtotheallegedborrower,andwasthiscreditoffsetbyadebittorecordthealleged borrowerPsassumednote?2. =oesM56819AC@A"/currentlyorhasitatanytimeusedtheallegedborrowerPs assumednoteasmoneytocoeryourinstitutionPsliabilitiesreferredtoaboe,i.e.,==A,"A,

andC=?23.;hentheallegedloanwasmadetotheallegedborrower,didM56819AC@A"/hae eery==A,"A,andC=bac-edupbyFederal1esereotesonhand?22.=oesyourinstitutionhaeanestablishedpolicyandpracticetoemitbillsofcredittoits allegedborrowers?+f7/",aresaidbillsofcreditcreateduponitsboo-satthetimeofma-ing theloanagreementwhenissuingmoneyorSso&calledmoneySofcredit?Thesequestionstroublemeandrequireananswerbyyou,before+cancontinue toparticipateinourbusinessrelationship.Thistypeofnon&disclosureasembodiedintheaboe regardingcontractsapparentlyoids,forfraud,anyallegedcontractoragreementbetweenus.+n additiontoansweringthequestions,pleaseproidemewithacopyofyourinstitutionPs

corporatecharterpaperwor-.

As+indicatedinmyfirstwriting,multiplepublicationsbyFederal1esereEan-sdescribehowban-screatemoneywhentheyloanmoney.Thepreponderanceofcase lawonthesub(ectprohibitsban-sfro


39/53

mcreatingmoneyandcreditupontheirownboo-sbymeansofboo-ingentries.Ean-inginstitutionscanlendtheirmoney,nottheircredit.+talso clearlyestablishesthataban-inginstitutioncannotenterintoorenforcecontractsdeclaredUltraJires.+tisnowmybeliefthatyouaredoingthis,whichisprohibitedbyFederaland"tatelaw,

andnotauthori>edinyourcorporatecharterpowers.+f+amcorrect,thispracticeappearstoconstituteEan-fraud.+willnot,inanywaybeapartytothisfraud.

+fyouareindoubt,pleaseconsultwithyouraccountantstoascertainwhetherthecommercial paper)promissorynote,mortgage,CardholderAgreement)s*,creditcardouchersDpayment orders,etc.,asapplicable*issuedby,andinitiallyacquiredbyyoufrom78U1A6/wasDis recordedasanincreaseinthefinancialDmoneyDpropertyassetsofM56819AC@A"/)orof theoriginalallegedlenderwhereapplicable*.

Allthatisreallybeingrequestedhereisthatyoureleasemefromwhatappearsto beanunethical,unlawful,andapparentlyillegalandinequitablebondageobtainedbymaterial nondisclosure,whichmayconstitutefraud.Theremedy+see-isthecompleteelimination andDordischargeoftheentirebalanceoftheaccountreferencedaboe,andmy complete

remoalfrom

your

records.

+also

request,

if

possible,

abalance

statement

showing

that

no further

moniesareowedandnobalanceisdue.6yintentionisnottheeIposureofyourfraudbutsimplymyremoalfromit.

5leaserespondinwritingwithintwenty)3%*dayswiththeinformation+hae

requested.Unless+hearfromyou,+willconsidermyaccountwithyouclosedandthismatter settled.5leasebesuretohaethepersonreplyingforM56819AC@A"/signanyfurther correspondenceunderpenaltyofper(uryandsenditonlytotheaddresseIactlyasitappears belowbycertified

mail.

Than-

you,

in

adance,

for

your

cooperation.

+donotauthori>enorconsenttothesale,ortransfer,orassignment,ornoation ofthisallegeddebttoathirdpartyandDoranotherparty.Anyreferralofmyaccounttoacredit reportingagencyindicatingnegatieinformationwillbeconsideredslanderandadamageofmygoodnameincommerceand+willfileafederalcourtaction.@ereis alistofcaselawcitationthat+haeusedtoformulatemybeliefonthematter:

.S+nthefederalcourts,itiswellsettledthatanationalban-hasnotpowertolendits credittoanotherbybecomingsurety,endorser,orguarantorforhim.3armersand-iners(ankv.(luefieldat:


40/53

!2$,1eised"tatutes)Title3,"ec3,U.".C.3U"CA"ec3*.+tisnotwithinthose statutorypowersforanationalban-,eenthoughsolent,tolenditscredittoanotherinanyof theariouswaysinwhichthatmightbedone.6agee,Ean-sandEan-ing)2rded*,p.2$$0(ank ofaldostav.(aird)C.C.A4*$%F.$3,'L.1.A.,.".!3$03armers(ankv.(luefieldat.(ank,F.3d42,certioraridenied3'U.".$$,$".CT.42,'%L./d.30People:sat.(ankv."o."tates,etc.,Co.,3.C.$,22"./.!,A.L.1.!0(oardofcommissioners v.Citi>ens:

0r

?amp;

"av.

(ank,

'2

+nd.

App.

'$,

32

./.

2%0

City

at.

(ank

v.

-organ,

3!4".;.!'30ice?amp;HutchinstlantaCo.v.Commercialat(ank,49a.App.!,44"./.

0Ho*ard?amp;3osterCo.v.Citi>ensat.(ank,22".C.3%3,2%"./.'!403ederalIntermediateCredit(ankv.&:Herisson,22F.3de4

.SAnationalban-,underfederallawbeinglimitedinitspowersandcapacity,cannot lenditscreditbyguaranteeingthedebtofanother,andallsuchcontractsenteredintobyits officersareultraires...SHo*ard?amp;3osterCo.v.Citi>ens:at.(ankof!nion.,22".C.3%3,2%"./.'!4)3$*!.SAban-maynotlenditscredittoanother,eenthoughsuchatransactionturnsoutto haebeenofbenefit

to

the

ban-,

and

in

support

of

this

alist

of

cases

might

be

cited,

which would

loo-

li-e

acatalog

ofshipsS.orton8roceryCo.v.People:sat.(ankofbingdon,

"./.!%,!Ja!)34*$.S+nordertoconstitutealoantheremustbe acontractwherebyinsubstanceoneparty transferstotheotherasumofmoneywhichtheotheragreestorepayabsolutelytogetherwith suchadditionalsumsasmaybeagreeduponforitsuseS.!nited"tatesv.eifert5hiteCo,3'F.

"upp.

4'4

)$!*

'.SThewordPmoneyPinitsusualandordinaryacceptationmeansgold,siler,orpapermoneyusedasacirculatingmediumofeIchange,anddoesnotembracenotes,bonds,eidences ofdebt,orotherpersonalorrealestateS.&aneetalv.aileyetal,34%


41/53

.SAnationalban-hasnopowertolenditscredit..S(o*env.eedlesat(ank,F.3!, )4*,certioraridenied3%".Ct.%3,'$U.".$43,Led$2'3.SThedefendantsdonotseriouslycontendthatitwaswithinthepowersoftheban-to ma-ethecontractdescribed,whichwas,ineffect,aguarantyofthebonds,andaloanofthe ban-Ps

credit.

or

do

the

defendants

nowcontend

they

can

stand

upon

that

contract

andrecoerdamagesforitsbreach. "ucha

contractisoidandonnobasiscantherebearecoery uponorunderit. Thelawintheserespectsisdefinitelysettled. @owardVamp0FosterCo.. Citi>ensPationalEan-,22".C.3%3,2%"./.'!4,andcasesandauthoritiestherecited0

9reen.FirstationalEan-,'36inn.2%,3!,.;.32,$%A.L.1.4.SHackettv. Kripkeetal.CourtofAppealsof8hio,LucasCounty)2*2.SThepowersofcorporationsorgani>edunderlegislatiestatutesaresuch,andsuchonly, asthosestatutesconfer.Concedingtheruleapplicabletoallstatutes,thatwhatisfairly impliedisasmuchgrantedaswhatiseIpressed,itremains,thatthecharterofacorporationis

themeasureofitspowers,and thattheenumerationofthesepowersimpliestheeIclusionofallothers. %U.".43SCentral0ransportationCompanyv.Pullman:sPalaceCarCompany2U.". 3)4%*

.Syetinthesameconnection,andinthemostemphaticwords,N6r.Mustice6illerin 0homas v.ailroadCo.%U.".')4'*Osaidthatinthecasebeforethecourt,ofacontract forbiddenbypublicpolicyandbeyond thepowersofthedefendantcorporation,itwasitslegalduty,adutybothtoitsstoc-holdersandtothepublic,torescindandabandonthecontractatthe earliestmoment,andtheperformanceofthatduty,thoughdelayedforseeralyears,wasa rightfulactwhendone,andcouldgietheotherpartynorightofaction0SCentral 0ransportationCompanyv.Pullman:sPalaceCarCompany2U.".3)4%*9oernyourselesaccordingly.;ithout5re(udice.


42/53

The ederal eserAe /as et You pC et Them p D ight 7acE

;ith the economy in its present Federal&1esere&orchestrated&condition, your eentual defaulton the promissory note and mortgage against your property is assured.

5repare now, for that ineitable day. The following is one possible course of action against thecriminal ban-s:

1eferences to the Uniform Commercial Code )UCC* are to the Federal UCC. /ach state in theunion, eIcept Louisiana, has adopted the Federal UCC into its own law. The Federal UCC caneasily be cross referenced to your local (urisdiction. ;hen using the UCC in your (urisdiction,reference the ersion of the UCC adopted in that particular (urisdiction.

i.e.: UCC # 2&2% has been adopted in the Alabama Code at && Ala.Code '!, # '&2&2%.

The Cornell UCC state locator can be found here:L++: UCC & Locator Whttp:DDwww.law.cornell.eduDuniformDucc.htmlX

;hen in the position of being unable to ma-e the neIt installment payment, or future scheduledinstallment payments, prepare for the ineitable claim from the ban-sters to hae the right toforeclosure and enforcement of the 8T/&6ortgage.

. 8n the day after the date of the day you are sered with the foreclosure lawsuit summons, acritical time cloc- starts counting down. Ey the last calendar day of the time&period noted on thesummons as the time within which you are to A";/1 the foreclosure complaint, haeprepared )* for mailing ia certified mail and )3* filing, in the case noted on the summons in thecourt doc-et, a 6otion to =ismiss For Failure To "tate A Claim Upon ;hich 1elief Can Ee9ranted.

. "tart counting days on the day after you are sered with the summons to court in

response to the ban-s foreclosure lawsuit, )all calendar days must be counted*. 8n thelast day of the specified time period file your 6otion to =ismiss For Failure To "tate AClaim Upon ;hich 1elief Can Ee 9ranted. )"ee 1ules of Ciil 5rocedure, 1ule 3)b*)$**. )Chec- the rules in the (urisdiction where the foreclosed property is located0 if thecourt has local rules be sure to obsere those rules also*.

.3 There is no adantage in filing the motion early. Filing the 1ule 3)b*)$* motionsuspends the time for filing an A";/1.

About the 6otion to =ismiss For Failure To "tate A Claim Upon ;hich 1elief Can Ee 9ranted:

3. The foreclosure claimant )ban-ster* is required to establish the courts sub(ect matter(urisdiction oer the case by eidence proing a alid cause of action. That proof must beestablished pursuant to the requirements of meeting the criterion for qualification as Sthe realparty in interest,S and UCC # 2&2%, and if applicable UCC # 2&2%, and should be affirmatielyset forth in the foreclosure complaint.

The lawyers for the foreclosure claimant will fail to establish the courts sub(ect matter(urisdiction oer the case in the initial complaint, secure in the presumption that you Fill notGuestion the banEHs standingto file the foreclosure action.

The lawyers that do this type of sloppy wor- are incompetent EA1&flys, relying upon thecollusion of the EA1&fly (udge who will oerloo-B this defect in the complaint.


43/53

7our ability to >ero in on the issue of the ban-sters standingto ma-e a claim in foreclosurefrom the beginning, will immediately panic the foreclosure complainant. The lawyers who wroteand filed the complaint for the ban-sters are also sub(ect to sanctions under 1ule of the 1ulesof Ciil 5rocedure, for filing a case where their client cannot establish themseles as Ithe realparty in interest,Iand haing the right to enforce the instrument. o alid cause of action."uch complaint, without alid cause of action is friolous. As- for sanctions against the EA1&fly

lawyers and their law firm. The EA1&flys hae gien themseles a 3&day safe harborB proision when filing a 1ule )Federal, may be different in state courts* request for sanctions, giing those bastards time tocorrect their friolous incompetence. "o, chec- the rules and case law in your (urisdiction.TheyB made the rule. Throw those rules bac- at them li-e a (aelin. The 6otion To =ismiss must also contain words ma-ing it obiously apparent that thecourts sub(ect matter (urisdiction oer this particular case is being challenged. 8nce sub(ectmatter (urisdiction has been challenged it must be addressed and affirmatiely established by thecourt. t is an abuse of discretion for a court to fail , by either refusal or neglect, to address asubJect matter Jurisdiction*oAer*the*case challenge.

8T/: there is a distinction between the term sub(ect matter (urisdictionB and sub(ectmatter (urisdiction oer the case.B subJect matter JurisdictionKis a broad and general term referring to the courts generalsub(ect matter (urisdiction oer a class of case types. ;ithout this (urisdiction, (udgments of acourt are =5!. subJect matter Jurisdiction oAer the caseK is a sub classification within the generalsub(ect matter (urisdiction of the court. The courts lac- of sub(ect matter (urisdiction oer aparticular case ma-es the (udgment in that case =5!#7:0. "ee the following case for an eIplanation of the difference:0dFin #. /isle and 5liAe ue/isle ooE A. :exington*ayette rban ounty >oAernment, Appeal From Fayette CircuitCourt, Action o. $!&C+&'2, Commonwealth of


44/53

) < 3*3'1(ii)*0 or

+f the ban- is not the holder, but has actual and present possession of the authenticum 8T/&6ortgage, the ban- must produce clear eidence to establish that the rights of the holder hae beenassigned to the non&holder to enforce the instrument.

!. "roAe status of beingentitled to enforce the instrument as a person not in possession of the

instrument pursuant to < 3*3'Mor UCC # 2&4)d*. )8T/ is lost, stolen, destroyed*. +f the ban- is not in possession of the authenticum 8T/&6ortgage, the ban- must produceclear eidence to establish the right to enforce the instrument pursuant to the requirements of ure0 and )2* the person cannot reasonably obtain possession of the instrument because the instrument wasdestroyed, its whereabouts cannot be determined, or it is in the wrongful possession of an un-nownperson or a person that cannot be found or is not amenable to serice of process.)b* # person seeEing enfor

many letters and laws

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