CRA LETTERS AND PAST DUES AT CC BANKS

RICKY · #1 04-05-2004, 07:28 AM

HI ALL...

LOOKING FOR THOUGHTS HERE....

AFTER BEING TOLD ESSENTIALLY THAT THEY CANNOT VERIFY MY "ALLEGED DEBTS", OR THEY DON'T KNOW WHAT I'M ASKING, I'VE SENT&IN MY SECOND&LETTERS TO THE CRA'S&ASKING FOR&CERTIFIED VERIFICATION OF THE CURRENT "ALLEGED DEBTS" THAT THEY REPORT FOR MY COMMERCIAL PERSON.&AFTER I MAILED THESE SECOND LETTERS I HAVE GONE PAST DUE IN PAYMENTS TO TWO CC BANKS.& THIS IS THE FIRST TIME.& 

AT THIS POINT AM I IN DISHONOR?& 

KIND REGARDS TO ALL,

RICKY<PRE>&</PRE>

#2 04-05-2004, 08:40 AM

did you seek verification of the alleged debs with the creditors prior to the CRAs & tender a good faith payment in case thereof prior to your current payment status?

if yes, you are in honor.

if not, then you are in dishonor.

always seek remedy with the original party(ies) first & bring in third party(ies) when that fails.

you can always cure dishonor by becoming honorable - request verification from the original creditor(s) & tender a good faith payment.

speaking as one who didn't do the above as i didn't know then what i know now.

jon

#3 04-05-2004, 09:11 AM

Somebody please define "good faith payment."

I.E., I'm missing something.

How can you make a "payment" that they will NOT accept, or make an "offer of payment" that, likewise, they will NOT accept?

Are we talking "conditional payment"?

Told you I was lost....

Randy

Jerseee · #4 04-05-2004, 10:39 AM

A good faith payment:

If I said that you owe me without verifying the debt then you should make a good faith payment and ask me to verify the debt at the same time.& Which means to send them a CPN for the full amount and ask for verification at the same time.

#5 04-05-2004, 10:59 AM

Thanks Jersee. Our posts crossed so I edited. That's what I needed to know.

I guess the CPN is explained better in the CTC3?

THanks

HB

#6 04-05-2004, 12:12 PM

Jersee, Was gonna PM you, but open discussion allows everyone to learn, so here goes.

I am looking at your Notarized AFFIDAVIT OF SERVICE.

Tell me if I am wrong, but what is happening with this document is that you are affirming (deposing) that you are mailing the correspondence, and then the Notary accepts your deposed affirmed statement, and seals it as if you were under oath.

(Remember, I am waiting on my book, thus the questions, but I am studying first and asking questions to make sure I am understanding what I read.)

Your "number" that you assigned to it, [YOUR INITIALS-DATE FORMAT- INITIALS OF CARD COMPANY] Is this in the book to do, or is this just your clever number assignment to the document to make it more official looking? I like it regardless.

The total of 12 documents, is that 12 pages or 12 actual separate documents? I guess the Notary counts them to verify the fact?

In Number 2, it says that you "mailed", not that you "are mailing" or "are mailing today". So you did this Affidavit AFTER you actually mail your VOD w/CPN to the CCCompany. Do you then just keep it for your records, or do you mail it to the CCCompany as well for proof of service?

And I guess you had already copyrighted your STRAWMAN and filed your UCC-1 first before this, right?

Also, let me know how a person KNOWS when their UCC-1 is perfected.

Thanks

HB

#7 04-05-2004, 01:28 PM

Quote:

Originally Posted by Jerseee

&Which means to send them a CPN for the full amount and ask for verification at the same time.

But a CPN isn't really "payment." Is it? But the "promise" to pay is&based upon the condition of verification, right?

I.E., if a check (plain ol' check) is sent, along with the VOD request, what will keep them from taking the money? (It's not like I think these people are honest...)

Thanks. Hate to beat a dead horse, but that "something" still just hasn't clicked.

I'm just not getting how a conditional promise to pay is equivalent to "paying." That's all.

Ow. My head hurts....

Randy

&

RICKY · #8 04-05-2004, 02:44 PM

ME TOO RANDY....I'M STILL TRYING TO CONNECT THE DOTS AS I'M STILL WAITING FOR MY CTC3 TO ARRIVE.

I THINK&I CAN SEND A CONDITIONAL PROMISSORY NOTE STATING THAT I WILL RESUME PAYMENTS ON THE "ALLEGED DEBT" IF THEY VERIFY TO ME THAT IT IS&A "TRUE DEBT", WHICH THEY CAN'T, SINCE THEY "LOANED ME CREDIT RATHER THAN REAL MONEY, WHICH IS ILLEGAL.& ALSO, PROBABLY NO PERSON WILL&SIGN A CERTIFIED VERIFICATION AND PUT THEIR OWN NECK ON THE LINE.

AM I RIGHT ON BOTH POINTS, JERSEEE?&

RICKY

&

http://www.smileycentral.com/sig.jsp?pc=ZSzeb035

#9 04-05-2004, 02:54 PM

Quote:

Originally Posted by Randy

Quote:

Originally Posted by Jerseee

Which means to send them a CPN for the full amount and ask for verification at the same time.

But a CPN isn't really "payment." Is it? But the "promise" to pay is based upon the condition of verification, right?

I.E., if a check (plain ol' check) is sent, along with the VOD request, what will keep them from taking the money? (It's not like I think these people are honest...)

Thanks. Hate to beat a dead horse, but that "something" still just hasn't clicked.

I'm just not getting how a conditional promise to pay is equivalent to "paying." That's all.

Ow. My head hurts....

Randy

If you will remember, FRN's aren't really payment either. I think the animal we are all looking for is a negotiable instrument, and it is my understanding (as incomplete as it may be) that several items fall into this category, including FRN's AND CPN's. BOE's are probably in there too, I am still learning like the rest of you, and will always be learning.

A Check is a negotiable instrument as well. But it is not "payment". How can you pay a credit with more credit?

you can't, thus the CPN should equal the FRN.

Jersee will correct my error, hopefully.

(not to be taken as legal advice)

Jerseee · #10 04-05-2004, 04:23 PM

Okay lots of things going on here.

Henry you are correct in your last post.& I know that you guys got confused about the word "payment".& You cannot pay for anything technically.& I only used that term since folks are acustomed to it but, I should use the correct term and say "discharge".& However, when I used the term "tender" that means to offer.& So I am offering my exemption.& And since they took it the first time through a negotiable instrument--they can take it to dsicharge the debt.

&