CC VOD Timetable

Jersee, Two told me they could not determine the nature of my request. Then they enclosed a CR listing all credit reporting on my persons account.

Experian said that they could better serve me via phone, and enclosed nothing. They all wanted me to dispute, which I know not to.

They told me ant the wofe the same thing, as we wrote the same letter.

I am waiting, and I remember. Never argue.

Also, LEt's say there are some "good" items on the CR. Should we even mention those?

Thanks

HB

[Jerseee]

HB,

It is up to you what you want to keep and what you want removed.

BUt let's keep this in mind as we go on this journey together:

1. The ideal response from the CRAs is a letter showing the deleted items

2. To never argue automatically allows for grace and keeps you in honor. this is key.

3. When the ideal response is not done in 30 days, you use your grace and allow another.

4. The method is to establish a paper trail of evidence, keeping you in honor at all times.

5. When the ideal response is not received due to delay tactics, negligence or willful non compliance--you have now have standing to file a claim against them, using your honorable documents as proof of your claim that you have exhausted the code and still have not received satisfaction through its use.

So folks, my method is to keep you in honor and in standing. It is not your word against theirs anymore--it is their actions against the codes that are damaging you directly.

But the goal is to get all unverified information removed--not to sue the pants off of them (unless you want to). that is the beauty of this method--you have a choice of one, the other or both.

[dochand]

Based on what I have been reading regarding the VOD process, I have made an assumption.

Correct me please if this is in error.

Ice has stated that he does not use CC's for anything. I assume that others who are using the VOD/CPN process no longer use them either.

So, use of this process has been utilized 'following' the discovery that it is a fraud - yes?

Otherwise, why would we all have these alleged debts that necessitate this process?

Once these debts that have been accumulated 'before' the discovery that it was fraud have been discharged/eliminated - there should be no reason why they would ever occur again in the future.

Thus, once free of the fraud and the Credit Reports are cleaned/purged of this information, and since credit will 'never' be utilized in the future, this process will no longer be needed at any time - correct?

Just brainstorming about all this with myself.

Please feel free to comment on my thought process.

Doc

[wirlwind]

Yes, the use of this process is used after the discovery of the fraud of the account.


To use credit again after this would be using something that you know to be fraudulent.& Every person has to choose which way is the right way for them.& If I did use credit again, I don't think that I could in good conscience discharge it that way.& But then on the other hand, I've thought about how many people the banks have bilked out of billions of dollars fraudulently, and in a way I think they deserve it.&


Ideally, this process would only have to be done once, but we know how many things end up on credit reports that don't belong there, so it may be something that you have to keep a check on periodically and challenge anything that doesn't belong there.


Donna

[Jerseee]

Doc,


Another way to view this situation is:


The banks or the credit card companies are offering to be your fudiciary but are asking for limited liablity and are asking you to be the surety for the alleged debt.


You can accept the terms of the contract knowing full well of the fraud they are committing when they ask you to make payments on your remedy.& You can continue the cycle of verification or you can leave it all alone together.& But the system is so evil that through legislation and corruption you have to go to the banks to access your remedy.& This is why Thomas Jefferson was against a central banking system.


YOu can directly blame all of this on Alexander Hamilton who basically was partners (good friends) with Washington.& But thank Andrew Jackson for dismantling this system and blame Roosevelt and Wilson for reviving it.


Pick your poison but always keep your remedy handy!

Jerseee,


Quick correction - banks are not offering to be your fiduciary.& Their offer is contractual in nature and creates a creditor/debtor relationship.& Banks do not owe any "customers" any fiduciary duties.& That's why they get away with&what they do (in addition to limited liability, etc.).


-squirrels

[dochand]

Got a call today from a CC company. This is the same CC that I have not sent a payment in 3 months.

Since I knew that they were most likely calling regarding this account, I did not take the call basically because I was unsure as to what my response should be to their inquiry.

This is a rather large account (my largest). I have not asked for verification yet as I am awaiting my UCC-1 filing to be returned to me before I send it with a CPN.

My question to the forum is for suggestions as to how one might respond to these telephone inquiries.

All responses are welcome.

Doc

[Bird]

dochand:


You&don't need to send your UCC1 with your CPN.& In fact, I don't really see a need to do that.


You could&tell whoever calls you re the account that you only do business in writing, and to please write you.

[Ice]

dochand,


You don't need anything special to make use of HJR 192... and if you see that it states you have to do anything special you let me know.


squirrels,


If you entrust any "funds" to a&licensed financial institution&then&there is a&fiduciary relationship.& See the second paragraph in the ruling&of Williamson v. Boulder Dam CU which states that very thing.


&

As my man Kgod999 puts it, "you can't have it both ways."& You can for a while, but where is the honor and where does it put you in the end?& Are you in this just to "get over" on the system or are you truely doing battle with the system.& Are you&sincerely trying to&be&"Sui Juris"?& I also&am a new small business owner.A line of credit would definitely give my business a "jumpstart", but I'm sincerley trying to live as "free" as possible.& I am about to begin my VOD process to correct my CR.& Personally, it's a hassle to&"live free".& However, it is neccessary to do these things to "break away".& It's much easier to walk around deaf, dumb and blind.& With knowledge comes power.& With power comes responsibility.& I love what Jersee says about keeping yourself in honor.& Be ready to get dirty in this battle with BB, but do everything you can to keep your hands clean.