Letter to Credit Card Company

[Dillon Hunt]

Any comments appreciated.
I am planning to send this letter with my Credit Card payment to Citibank.
The Check will also state in the memo section “ Paid in Full “
I believe somewhere on this fourm I read each new bill received from the CCC is a new Offer.
I will let you all know what happens!

Dillon Hunt

This is the letter below


SPECIAL RESPONSE

Confidentiality Agreement Date sent: ______________________


Offer to use the personal, private and/or confidential information of Dillon Hunt


CITIBANK USA, N.A. in exchange for the benefit and the privilege of using any portion of the personal, private and confidential information of Dillon Hunt, accepts and agrees to be bound by all the terms, conditions and notices set forth within this Agreement.

Conformation of your Acceptance of this Offer:

Your use, disclosure, release and/or your storage of any portion of the personal, private and/or confidential information of Dillon Hunt will confirm your acceptance of this Offer and your Agreement to be bound by all the terms, conditions and notices set forth within this Agreement.

To avoid your Acceptance of this Offer:

To avoid Acceptance of this Offer do not use, store, release and/or disclose any portion of the personal, private and/or confidential information of Dillon Hunt.

Compliance with this Agreement.

CITIBANK USA, N.A. shall within thirty (30) days of your organizations receipt of this Offer, verify that your use of any portion of the personal, private and confidential information of Dillon Hunt is in conformity with this Agreement. You will send this documentation to Dillon Hunt at the mailing address given below. Noncompliance is a breach of this Agreement.

Additional Notices, Terms and Conditions of this Nondisclosure Agreement:

You agree, not to use, disclose and/or release any portion of the personal, private, confidential information, any documents and/or any property of Dillon Hunt in any form to any third party person, any organization, any government, any government agency and/or any government bureau without the prior written authorization of Dillon Hunt, with autograph or without a lawful court order signed by a judge in judicial capacity at common law. The personal, private and confidential information and/or any property of Dillon Hunt is the exclusive intellectual and real property of Dillon Hunt, which includes (but is not limited to) the Names, Addresses, Phone Numbers, any E-mails, Resume, all Medical, Dental, and Financial Information, especially all Protected Health Information (PHI), any copy of my computer data, any Business Records of Dillon Hunt, any Drug Test Information, Criminal History, if any, any Birth Document Information, any Videos or any Photographic Images of Dillon Hunt, all Biometrics information of Dillon Hunt.

You agree, all claims and/or controversy arising out of or relating to this agreement shall be settled through direct discussions, mediation and/or litigation. You agree, in litigation all claims and/or controversies shall be decided in judicial capacity at common law and by an impartial dispute resolving body chosen in accordance with the Laws of the Constitution for these united States of America. The parties understand that these methods shall be the remedy for any controversy or claim arising out of this agreement. The decision of the judge and/or this impartial dispute resolving body shall be final and binding for all parties involved and shall take place in Dallas, Texas. Any notices sent by Dillon Hunt shall be admissible in any proceedings in regards to this agreement. You agree, if all or any portion of this agreement is found invalid it will be deemed superseded by a valid version that accurately reproduces its original intent and any remainder of this agreement shall remain in force and effect. You agree, not to access any jurisdiction where this entire agreement is not fully recognized. Notice to the agents is notice to the principals and notice to the principals is notice to agents applies to this agreement.

You agree, Dillon Hunt shall not be required to use, release and/or disclose any portion of the personal, private and confidential information and/or any property of Dillon Hunt, especially any social security information, any biometrics information of Dillon Hunt. You agree, Dillon Hunt shall not be retaliated against or threatened for not using, releasing and/or disclosing any portion of the personal, private, and confidential information and/or any property of Dillon Hunt. You agree to investigate any such activity thoroughly and immediately. Your agree, Dillon Hunt does not waive any Fundamental Rights by applying for your organizations Consumer Credit Card. Your stipulate, Dillon Hunt is a flesh and blood man of the land, not a corporation.

You agree, Dillon Hunt may use, release and/or disclose your private and confidential information for a search warrant or other lawful process to investigate any breach of this agreement or other lawful requirements. You agree, that Dillon Hunt may use and/or disclose your private and confidential information in regards to debt collection.

You agree, Dillon Hunt may at any time and without prior consent update, revise and/or modify this agreement. All changes to this agreement must exclusively be in written form and only authored by Dillon Hunt, with autograph.

Your unauthorized use, release and/or disclosure of any portion of the personal, private and confidential information and/or any property of Dillon Hunt, in any form without the prior written authorization of Dillon Hunt, with autograph is strictly forbidden and chargeable in the amount of one hundred thousand dollars ( $ 100,000.00) plus court costs per breach. You also agree, not dealing with Dillon Hunt in a truthful and complete matter and in full disclosure as to the nature of any Consumer Credit Card offered by CITIBANK USA, N.A. , (What is being loaned or extended, money or credit? ) is chargeable in the amount of five hundred thousand dollars ($500,000) plus court costs. You Agree and Stipulate your organization will not sell and/or transfer any alleged unsecured debt of Dillon Hunt to any third party debt collector agencies unless and until any alleged debt of Dillon Hunt is VERIFIED and SIGNED under penalty of perjury by your attorney with a notarized copy of this Verification being sent to Dillon Hunt by U..S. Certified Mail. Your organizations failure to Verify any alleged debt of Dillon Hunt is a breach of this Agreement and is chargeable in the amount of five hundred thousand dollars ($500,000) plus court costs. No waiver of a breach of this Agreement shall operate as a continuing waiver.

I, Dillon Hunt do not VOLUNTARILY permit anyone to usurp or change my rights, nor am I designating anyone with a power of attorney and/or to be a binding arbitrator in any disputes of rights or equity without my prior written authorization, with autograph. I, do not give your organization any authorization in any of our agreements to send any funds to any third parties.. I, do not give your organization my authority to allow third party interlopers into any of our Agreements. I, Dillon Hunt deny knowingly and/or willingly signing any maritime or admiralty contract or obligation.

If CITIBANK USA, N.A. uses any portion of the personal, private and/or confidential information and/or any property of Dillon Hunt, you stipulate and agree to any Jurisdictional Bar Declared by Dillon Hunt .

This Agreement is the complete agreement between you and Dillon Hunt with respect to your use, storage, release and/or disclosure of any portion of the personal, private and confidential information and/or any property of Dillon Hunt. This agreement supersedes all past and current agreements between you and Dillon Hunt in any form with respect to your use, storage, release and/or disclosure of any portion of the personal, private and confidential information and/or any property of Dillon Hunt . You are responsible to comply with this entire agreement and any lawful requirements. Your use, release and/or disclosure of any portion of the personal, private and confidential information and/or any property of Dillon Hunt contrary to any of the terms, conditions and notices set forth within this agreement is at your risk. This agreement shall remain in force and effect for as long as you use, store , release, and/or disclose any portion of the personal, private and confidential information and/or any property of Dillon Hunt .


/s/Dillon Hunt, All Rights Reserved Without Prejudice No Liability Assumed - No Value Assured - Without Recourse

Mailing Address:
c/o 456 Main St
Dallas, Texas u. S. A. [12345]

Copyright © January 2005 & 2006 by Dillon Hunt

Cujus est commodum ejus debet esse incommodum.

THIS ABOVE INFORMATION IS NOT LEGAL ADVICE, BUT IS ONLY FOR EDUCATIONAL PORPOSES

[masterduke]

They will scoff at the letter (if they even read it) and they will iniatate the usual debt attorney jive to try and collect what they feel is "owed" to them. Its a good letter but they ain't gonna play by your rules, not when the debt attorneys have had well over a hundred years to "perfect" the abilty to screw people using the courts. Start studying at the law library and be prepared. Yes that novation has worked in the past, but the debt attorneys groups have been working behind the scenes to get those "misguided"(their words) rulings overturned. I think it is NARCA or NACA (something like that) that is leading the charge on that front. Greasing judges and lawmakers not doubt.

[Judge Roy Bean]

Originally Posted by Dillon Hunt

Any comments appreciated.
I am planning to send this letter with my Credit Card payment to Citibank.
The Check will also state in the memo section “ Paid in Full “
.....

Neither of which will be read nor recognized by a human being.

First, payments are processed by third-party service providers who move mountains of mailed-in envelopes every day that are opened and scanned by machines. Anything that isn't a check or a scannable document (bar codes, MICR, etc.) is simply discarded.

The only things that a real person might see are the ones the machine rejects for some reason, but it is highly unlikely that person is trained to do anything but try and get the machine to accept it or enter the payment manually on a computer.

Secondly, the old "paid in full" ploy legally died years ago.

[Shoonra]

I've pretty much given up trying to talk people out of doing something like this, but I do believe you'll be wasting your time, and maybe making things worse.

You already signed an agreement with the Credit Card company when they gave you their card. Part of the agreement undoubtedly described how they could sue you for payment. I cannot imagine at this late date they would allow you to impose new and different terms. But this stunt will mark you as someone trying to weasle out of his debts.

[Admin]

Shoonra, JRB...well what other alternatives can you offer this gentleman? Besides sucking it up and paying off the debt, do you have an opinion as how to fight predatory lending institutions?

[iamfreeru2]

Admin,

Do not ask JRB or Shoonra to give any help. All they will do is tell Dillon to get a shyster, um, I mean an attorn-ey. I have offered my help with some educational material provided to Dillon via PM and email. I would hope that others will do the same. After all we are here to help each other, correct? At least some of us are.

[Admin]

Iamfree, I realize that some may not agree with Shoonra and JRB but we are all here to help each other like you said. If they question a certain methodology then offering an alternative is only logical, whatever that may be. I feel that if a person asks a question here, all possible answers should be explored. We should learn to see all viewpoints of a discussion. If it weren't for users that share opposing viewpoints like Shoonra and JRB, this would not be a forum.

Originally Posted by iamfreeru2

Admin,

Do not ask JRB or Shoonra to give any help. All they will do is tell Dillon to get a shyster, um, I mean an attorn-ey. I have offered my help with some educational material provided to Dillon via PM and email. I would hope that others will do the same. After all we are here to help each other, correct? At least some of us are.

[FreeFromContract]

Originally Posted by Judge Roy Bean

Neither of which will be read nor recognized by a human being.

First, payments are processed by third-party service providers who move mountains of mailed-in envelopes every day that are opened and scanned by machines. Anything that isn't a check or a scannable document (bar codes, MICR, etc.) is simply discarded.

The only things that a real person might see are the ones the machine rejects for some reason, but it is highly unlikely that person is trained to do anything but try and get the machine to accept it or enter the payment manually on a computer.

Secondly, the old "paid in full" ploy legally died years ago.

A reasonable man would ask Dillon if the payment is in fact full payment or partial payment before accusing him of a "ploy".

I also agree with Admin - what alternatives would you suggest besides suck it up.....

[Dillon Hunt]

I do now realize I should not send a ( paid in full ) check to the CCC, maybe I should just send the novation directly to the CCC attorney personally or CEO personally to get their responses. I could just open a new CC account with the same company and sent this novation with the original application and make it part of the original agreement from the beginning. What are they going to do remove all my information from their computer system? It’s my personal information isn’t it ?

If anyone has any other input , I am open to new ideas! (I am looking for a new approach.)
What makes this novation defective? or is the Debt the problem? I need some outside the box thinking.


Thanks for all your responses, I guess that’s why we are on these forums.
Dillon

[FreeFromContract]

Originally Posted by Shoonra

I've pretty much given up trying to talk people out of doing something like this, but I do believe you'll be wasting your time, and maybe making things worse.

You already signed an agreement with the Credit Card company when they gave you their card. Part of the agreement undoubtedly described how they could sue you for payment. I cannot imagine at this late date they would allow you to impose new and different terms. But this stunt will mark you as someone trying to weasle out of his debts.

A reasonable woman would ask Dillon if the payment is in fact full payment or partial payment before stating what he is doing will mark him as someone attempting a "stunt" and trying to "weasle out" of his debts.

Credit card companies send cardholders new amendments to their terms whenever legal or operational changes require those changes (Never gotten one? I have received several over the years from different credit card companies - it happens). If he has in fact paid his account in full, what reason do you give that he can not offer new terms that can either be accepted or rejected?

I also agree with Admin - What alternative can you provide besides suck it up.....