Letter to Credit Card Company

[Dillon Hunt]

I guess that depends on who the arbitrators are, You think.

[mnchicago]

DillonHunt

I read your litany of "I wants.." which clarified your
post for me.

Good luck to you.

[acicalla]

I have been watching this forum for awhile. I used to post quite a bit but life got busy. Also I am not in the trouble I was once in after growing a bit older. I still find it really funny about certian things with this site and this realm of information. We are in an age where we have people like "rice mcleod", "winston shrout", "richard cornforth", and others. Jason whitney is a moderator on this site, and the is an unsecured debt resolution package sold by law research group that explains a novation that Jason has claimed works and is still sold today on the "sister" site of this one. What I am wondering is, if we have access to these people and all this information and winston and these people claim to be able to do all this stuff why are they not on this site helping? Why are we still "trying" to figure out "what works"? With all of these people, books, methods, talk of bonds, cpn and bill of exchanges why don't we have a concrete process down for "most" people to follow? Sarah fugate in florida has the info that was submitted with the court case for useing a boe to discharge a mortgage in florida. The judge accepted it, although I know it was dishonored later. why isn't all these poeple who say that they know how to enforce this stuff teaming up and getting it right? I ask alot of questions and I am still reading and studying. But I find it difficult to do something that a person explains when in one part of the tape they are telling you quit going to seminars and the next part they are telling you if you don't get this "debt" / "contracts" out from under you before the lord arrives there might be problems for you. It just pisses me off when someone contradicts themselves in the same tape. I guess I just don't understand why almost 6 years later people are still chasing their tails in alot of ways with this. I know this stuff has value and in alot of ways is true. I went into court several times and if It wasn't for my paperwork I would have probably stayed longer than I did. But while being held captive I got myself back into court every chance I could just to argue with the judges and learn what I could. I had one judge threaten me with contempt over 20 times while we argued for 45 minutes about stuff. I learned the more in that 45 minutes than several weeks of reading. I just figured 4 years down the road we all would be further along than what we are as a group and community.

[J.W.]

Acillia,

I cannot speak for anyone of the other people you mentioned but as for myself, I do my best to provide my personal opinions in re some of the topics explored here at SuiJuris when time permits. With regard to matters of debt, this is a rather complicated subject, although as far as I am concerned and based upon what I have researched in re novation such is based on case law and well observed statutory and common law doctrines. Further, I do not provide services as I don't have time for such. At best I may on occassion help out close friends and family but do it for free. My experience has shown there are simply too many limitations involved, especially when one is not and has no interest in being an attorney.

So, what I encourage is taking the time to study information from many sources, check out Title 12 and Title 15 in addition to reading case law on the subject.

In the end there are many different views on this subject thus, you alone are left to make a decision as to what's right for you. Hopefully it is one which is fully informed.

[charlesa6]

acicalla, welcome to the forum.

[planetmark]

Originally Posted by Judge Roy Bean

What you're up against in writing "paid in full" on a check is the "good faith" concept under the UCC. You can't discharge a debt that way.

The idea became an urban legend that simply doesn't want to die:

http://www.snopes.com/business/bank/paidfull.asp

For what it's worth, I just noticed this printed on the back of my last credit card statment from Chase:

On the back of the statement, under "conditional payments":

Any payment check or other form of payment that you send us for less than the full balance due that is marked "paid in full" or contains a similar notation, or that you otherwise tender in full satisfaction of a disputed amount, must be sent to Card Services PO Box 15049 Wilmington, DE 19850-5049

We reserve all our rights regarding these payments (e.g. if it is determined there is no valid dispute or if any such check is received at any other address, we may accept the check and you will still owe any remaining balance.) WE may refuse to accept any such payment by returning it to you, not cashing it or destroying it. All other payments that you make should be sent to the appropriate payment address.

Sounds to me like they recognize the significance of this process, and have gotten burned by having checks slip past the clerk monkeys. So now they have a special address to send this type of process to. Doesn't sound like Chase views it as an "urban legend".

[Dillon Hunt]

When we send our personal information to CCC or other companies they may lose it or transfer it to whom they wish. Our employers send our info to their third party partners and we have no say in the matter! Many employee's see our personal info everyday, it’s in their trash, on their desk or on their computer screen, etc. Job applications voluntarily require our personal info whether hired or not. Who owns our information anyway us or the employer? Maybe the credit bureau owns it?

You might say, our name is public maybe even our home address, but certainly not any ssn, private phone number, copyrighted resume, financial or medical info, that info surely is private and it’s our property. How about finger prints, retinal prints and any DNA, if that is not ours then nothing is.

The companies I deal with will be sent novation contracts (confidentially or nondisclosure agreements) for the privilege and benefit of using my private information before it’s stolen or lost. Even if they think I am crazy at least they will know how much it will cost them when they lose or their third party partners lose my info.

Cujus est commodum ejus debet esse incommodum - He who receives the benefit should also bear the disadvantage - Common Law Maxim


Dillon H.

[jcoram]

dillon,I believe you would be quite surprised at what a 1099oid process might do to help you.Might not be a bad idea to let irs collect the credit YOU created for the credit card company. Jeff