Anyone used 3 letters (Copyright version) for Home Loan

[tsseabiscuit]

Yes, I realized after I had already started the process it was not the right way. I unfortunately did not have the time to fully research the situation, or have the support I needed and did decide to just go back to paying the mortgage, but the bank had decided to go with their approach!

My main goal for my family & I, was to be debt free by the end of this year and it seems as though I have accomplished this goal. One way or another.

The 3 letters however, appear to be working for my credit cards.

[eggie]

YES, tsseabiscuit 3 LETTERS ON CREDIT CARDS NORMALLY DO THE JOB

everyone be careful on any secured debts, you must do full research and be almost professional in your tactics.

Never trust any solicitor or judge to be truthful, their first allegiance is to the crown (the elite, the 1%)

as i have already said, many of us are battling against the banks/mortgagees to to find the best method, we know that almost every uk mortgage is void, see...... http://freetheplanet.net/articles/?c=th ... terbusters

[smilingalltheway]

Re: Anyone used 3 letters (Copyright version) for Home Loan

New postby SaneMan » Tue Aug 21, 2012 2:38 am
Steady on smilingalltheway - That was my first post here and only the eleventh by the original poster. Please give a little rope to us newbies. No "Law of the Sea" puns intended. Thanks very much to you and others for replying anyway.

the more rope you have the more chance of hanging yourselves, there is no offence intended to anyone in this thread, it is important that everyone is clear and sure of consequences of any method they use.....
with the information in the forum there is no need to make unecessary mistakes if it is not necessary.
and mortgages is not a game, it's your home.
many have made sacrifices and researched and tested different ways of doing things tomake things easier for you.

and tsseabiscuit i comprehend what you have said and the situation you were in, and well done for getting rid of your debts and i apologise if it sounded like i came across a bit harsh to anyone. when i first read your post it looked as if you have received somekind of advice to use the letters for mortgages and then were upset it didn't work thats why i posted what i did so everyone was sure this is not the case.

apologies to anyone that may have been offended.

[tsseabiscuit]

Re: Anyone used 3 letters (Copyright version) for Home Loan

New postby SaneMan » Tue Aug 21, 2012 2:38 am
Steady on smilingalltheway - That was my first post here and only the eleventh by the original poster. Please give a little rope to us newbies. No "Law of the Sea" puns intended. Thanks very much to you and others for replying anyway.

the more rope you have the more chance of hanging yourselves, there is no offence intended to anyone in this thread, it is important that everyone is clear and sure of consequences of any method they use.....
with the information in the forum there is no need to make unecessary mistakes if it is not necessary.
and mortgages is not a game, it's your home.
many have made sacrifices and researched and tested different ways of doing things tomake things easier for you.

and tsseabiscuit i comprehend what you have said and the situation you were in, and well done for getting rid of your debts and i apologise if it sounded like i came across a bit harsh to anyone. when i first read your post it looked as if you have received somekind of advice to use the letters for mortgages and then were upset it didn't work thats why i posted what i did so everyone was sure this is not the case.

apologies to anyone that may have been offended.

No need to apologize, I am my own person & make my own decisions. It is up to me to interpret the information correctly and for my own uses.

Mistakes have to happen, how else can we learn?

Peace to all.

[ceylon]

Steady on smilingalltheway - That was my first post here and only the eleventh by the original poster. Please give a little rope to us newbies. No "Law of the Sea" puns intended. Thanks very much to you and others for replying anyway.

i dont think he was talking to you

[Exposed74]

Your right Ceylon, he wasn't talking to him! He was talking about the person who created the original post, asking for advice.
Which that was me!

I have read the site over and a million other pages in researching as much as humanly possible at this point in time, and I am sure I am not even scratching the surface.

For those who are veterans on this site and rather knowledgable on this aspect on the law and its procedure, that I have apparently upset on the basis's of an alleged idiotic post; because the answer to the post was clearly stated on this site all along.
I am sorry! Please forgive me.

Its pretty rare for me to make these sort of errors, as I always research everything and anything before I ever open my trap.
But I am the first to put my hand up and say I made a mistake. It has been noted, corrected and never happen again.
You got my word!

But just to give you some insight on my error and believe me this is no excuse, as I don't believe in excuses! Just don't let it happen again.
15 months I lost my 12 year business to a religious entity that owns a system of schools and I had to complete 2 construction contracts for this organisation that total over $500K for 6 weeks work. We had a flood that was once in a 200 year flood, about 2 weeks short of the contract, that was on track and blew it out 3 months over.
Which Financially, Physically and Mentally drained me at the very end of the contract for this organisation to terminate my contact on fraudulent and deceptive grounds.
What made it worse the fact the contract money was Taxpayers funds that has already been paid to them and so they terminate me to keep the money, plus two refurbished schools for nothing.
So now 15 months later, I am 100k plus in the hole with the family to fund my fight for injustice. Lost everything I have worked for except for the house, as that was the line drawn in the sand.
Fortunately I have a great marriage and my wife is behind me 100% and has supported our meger existance the entire time, as I have put myself through a crash course on LAW it's self!
I am 3 Magistrate Court, 2 District Court, 1 Supreme Court, 4 Federal Magistrate Court hearings experienced on 6 seperate actions against me in a conspiracy to financially destory me, so it will ensure that I will not have the chance to nail these scumbags in Federal Court and collect what I was rightfully owed and damages.
I am learning everything from Statute Law to Contract law to Bankruptcy Laws to Trade Practices Act, Procedures, Outline of Appeals, Defence to Rely on civil hearing, the list goes on and on.
This is someone who never wrote an affidavit in their life, let alone seen one 15 months ago.

So in order to keep my home that I gave my wife my word that I would protect and keep safe. I am trying to learn as much as I can from this site with plenty of background research, to put into action to stop the bank for putting the nail in the coffin that we have work and sacrficed so much for. (Like everyone else on this site)
So, I hope you can forgive me for my lack of judgement with my post, but I have to admit there was some good information that came from it, regardless of the stupidity of the post.

If anyone who reads this, please understand if I write a post here "Asking for assistance", Believe me I dont write it as I am too lazy to find it for my self. It is quiet the opposite and/or I am just looking for confirmation or another perspective. Thats all!

Finally, if anyone want to ask me questions or looking for advice on other parts of the law or entities that are unlawful in "Australia" (Federal, State & Local) ..please just ask!
Its my duty to inform and assist where I can to my fellow countryman and woman, plus those who are our freedom brothers and sisters!
Thanks for all your input.
Much Appreciated!

[StewartJ]

Hey Mate, i am also in Australia and about to take on my home loan lender. I know your last post was a while ago. I would be very much interested in connecting with you.

I have been studying up reading this whole mortgage forum and the associated links and finding heaps of info from here and other sites to take on the "lender". I have used the 3 letters on a few c card and debt collector debts and have been successful. Not heard anything. Have also used a modified letter to the tax office and as a result with some extra info have managed to clear a huge tax debt left over from my company folding a few years back. The last is with a finance company I recently received a court claim. It had a few errors on it and I am very happy to take them on as i sent them the 3 letters and now I served another 3 letters on a reply they gave me and then a certificate of dishonour with affidavit in support. I have since learnt the power of affidavits, motions and the courts which negates the use of jurisdiction to a large degree. I sent them a request for further and better particulars asking some "basic" questions like...prove to me you actually lent me your own money?

I have since found some great letters and questions to ask the mortgage lender and I am almost ready to start the process. I am not going to default on the loan until I have got all my soldiers lined up. As Dean Clifford says, only go to court when you know you will win.

Cheers Stewart

[smilingalltheway]

Re: Anyone used 3 letters (Copyright version) for Home Loan

New postby StewartJ » Thu Jan 31, 2013 6:21 am
Hey Mate, i am also in Australia and about to take on my home loan lender. I know your last post was a while ago. I would be very much interested in connecting with you.

I have been studying up reading this whole mortgage forum and the associated links and finding heaps of info from here and other sites to take on the "lender". I have used the 3 letters on a few c card and debt collector debts and have been successful. Not heard anything. Have also used a modified letter to the tax office and as a result with some extra info have managed to clear a huge tax debt left over from my company folding a few years back. The last is with a finance company I recently received a court claim. It had a few errors on it and I am very happy to take them on as i sent them the 3 letters and now I served another 3 letters on a reply they gave me and then a certificate of dishonour with affidavit in support. I have since learnt the power of affidavits, motions and the courts which negates the use of jurisdiction to a large degree. I sent them a request for further and better particulars asking some "basic" questions like...prove to me you actually lent me your own money?

I have since found some great letters and questions to ask the mortgage lender and I am almost ready to start the process. I am not going to default on the loan until I have got all my soldiers lined up. As Dean Clifford says, only go to court when you know you will win.

Cheers Stewart

your first port of call should be the official offer, this does not negate any further requests you may have in the future
but will help you with further time if you ever require it.

[StewartJ]

Funny, I have been pondering the offer route just recently as well. For both the court claim and the mortgage lender. Kind of like putting it all out there that I have knowledge of the whole mortgage/loan and securitisation process and as I acknowledge they did do a service, to some degree, in processing the note, creating the funds (albeit on the back of our signature) which we used; and yet acted fraudulently, misrepresented the process and with unconscionable conduct; and on top of all that have sold the note and are making even more money off it.
I was thinking of a few things regarding the offer and welcome suggestions.
First I was thinking getting some more evidence, So far I have the finance companies investment details and prospectus about their mortgage backed securities. This includes their relationship to the Commonwealth Bank. I was also thinking of doing the recorded call that white rabbit did ( see: http://www.getoutofdebtfree.org/forum/v ... =5&t=44931). Asking for details of the securitisation process. Once I have some good solid evidence then put in affidavit format and then submit some official offers:
One is that I offer a choice 1. I continue to pay off the "alledged" loan but at 3% interest payments and will even pay their $15 per month account keeping fee. or
2. Dispute the loan and ask for validation of the debt via a claim for fraud, misrepresentation and unconscionable conduct through the supreme court requesting a trial by jury. My remedy would be that the account be settled and I receive clear title and receive cancelled mortgage and the note back.

The other way is that I offer only once choice.
Other ideas were that:
I would ask for settlement of the account and ask for the note back.
That I would settle for the amount we have already paid. i.e the deposit, mortgage insurances, risk fees, and repayments to date etc etc

Any other suggestions?