Freedom Domain
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.......R: Well they can say anything they want…. Just go ahead.
** Based on these questionable transactions Bank of America has elected to close your accounts in accordance….
R: Ah ha…
** In accordance with the provisions of our deposit agreement and disclosures provided you at the time your accounts were opened.
R: Right
** Under these terms and conditions either the bank and the customer may close the accounts at any time. Then they go down and tell me exactly when they are going to close both my accounts.
R: When are they going to do it?
** Well the first one they are going to close on June 25th and that's a personal savings account and then on July 6, that's my business account they're going to close that.
R: Yep
** Then they tell me not to do anything within that time.
R: Why don't they do it right away then?
** I don't know, maybe it's to get me time to get my money out… or to find other banks accounts…
R: Well if they close your accounts they have to account for the money that is in those accounts… but you see now you want to remember this is what you want.
** I dooo???
R: Of Course… Have you ever bought any real estate?
** Yeah a long time ago
R: Well what happened before you could take possession?
** It had to close escrow
R: Right… that's what the bank is doing…the closing of escrow.
** What bothers me is I was using ..well I've only deposited 4 instruments into their night deposit box and these were collection items…
R: Yep I know
** Why can't they handle simple collection items?
R: Because they're not volunteering into the bankruptcy. They are closing escrow.
** What is my redress?
R: Your redress…
** Yep… What do I need to do?
R: See once they're closed…. okay the collection items that you're moving on… who are you moving on?
** Well a Dr. for one… What I did was created a draft payable through him and his surety and then I deposited that inside of one of the certified draft envelopes and put that inside a regular plain envelope and deposited that inside the night depository.
R: Okay but see now the collector has or has not got that?
** Oh that was 2 weeks ago..
R: Okay then why is it taking them so long for them to close the account?
(Talk of accounts being closed a week apart.) Well just keep writing checks on the account because you know what happens?…
** No
R: When people get it they come back and say "well the check was returned for non sufficient funds or the bank says your account was closed" . Okay you know why?… because it is pre-paid. The escrow is closed! Now the guy or business that made you the offer … now you see they have the evidence in there hands that the escrow is closed and now they must provide you the product of their offer as a matter of public policy. Insurance. See because it is exempt. Now the corporation has an expense don't they? They can write off that expense cause now they are eligible for the exemption. It is your exemption. See you exchanging them the exemption for the product.
** Why don't they understand the draft and what's on the memo? That's exactly what I tell them in the memo…
R: I know. You see it has to do when they don't volunteer… and you see there are some that do. I do a lot of them and some do with no question and others don't. The ones that don't… when they fail to volunteer the remedy… see then you accept their dishonor as the involuntary remedy. That means we take them into bankruptcy. Now… we do not file a bankruptcy action, we just take and liquidate their property. So you just go buy something. Maybe you can buy it from a broker… but when you buy it you can give your check or what you do is give a draft and draw it down on the individual that is responsible.
** Oh sure… okay.
R: Because that's the way you liquidate their property. They have an obligation to you.
** Well do I need to notice them first?
R: Nope… Not in equity you don't. We're taking equity you see because when they dishonor you and you accept the dishonor you own the equity.
** Should I accept for value this letter and send it back to them?
R: Well you can or you can actually take their automobile or their house and go and list it with a realtor.
** Yeah we went over that before.
R: Right and then you can borrow the money on it. See just borrow money on it right away here. If you ever took and listed it for sale at that point then the lender would lend you the money as long as it's up for sale. See that's the way you take it. Any body that wants to know is that your house … Damn right it is, and you don't give them any reason why because that is private business….
** Okay… Why do you think they decided they were not my fiduciary?
R: Because they are dishonoring you. They won't be your fiduciary until the account is reinstated. What you might want to do is deposit money back in that account after closing you just right them a letter and tell them after closing you want the account reinstated. Reinstated and provide me all the instructions to operate the account after reinstatement. A reinstatement pursuant to public policy! See HJR-192-UCC-10-104.
** And they'll reopen my account?
R: I don't know what they'll do. I haven't pressed mine that far yet cause I'm having lot of fun with it the way it is. I just continue writing checks on it. I bet I've written over several hundred checks on them.
** Wow so you're still writing checks on a closed account? How sweet.
R: Hell yes… well they always come back. And say well we didn't get… I say of course you didn't get paid because it is prepaid and the bank is tell you that. I've had some that tell me "well we didn't get paid …we want cash". I just tell them… "Well write your own check then". What you need from me is the exemption.
** Right…. You know, these guys are playing games now.
R: Sure they are.
** I think we're getting really close to them. I mean like in their back pocket and they don't like it.
R: Oh yeah chuckling… I bought about $70,000 bucks worth of tractors here recently.
** On your closed account?
R: Yeah
** Does it come back non sufficient or closed? Oh it comes back closed?
R: Says Closed. Now you see on the draft they have to draw down on your tax ID # see?
** Oh yeah
R: So what you want to do on your draft is Where you have pay through where you usually put your straw man? Well now start putting their straw man name (all caps). Better to have a person name but if you need to you can put a company name. Sometimes after several correspondences you'll get a name you can put that name in there. Now that collector has to pass through you Tax ID # to be able to get remedy for them in accordance with public policy.
** I don't think they want to hear that….
R:: Chuckling… that's okay, we don't care. If they don't want to hear it and they want to screw around then I'm going to take their personal property. I went down to a dealer the other day and I got all the VIN #'s and the makes and models of the cars and I'm just going to take a register the vehicles…
** Is this the guy that is cranking you around?
R: Well one of them… I'm just going to register the vehicles and as soon as you've got the information you can do that. Or a better way even… See you might have trouble by not having a Bill of Sale. Well what you want to do is take that vehicle described using the make and model and VIN # and sell it to your buddy for $50.00 and other good and valuable considerations.
** Okay
R: Now he can go down and put a license on it. And even if them people are driving the car you see because a Bill of Sale over shadows the legal title. So you own the equity so at that point your conscience is clear. You own the equity… Just move on it now. You don't have to give any notice. You can do it with a car or do it with real estate.
R: If you have an attorney, say that is in the middle of it…
** Yeah
R: He probably has an office building that maybe he rents a suite to other people but he owns the building….or has interest with some bank or construction company …sell the whole building. You see what you can do is put the whole building up for sale. List it for sale, then go find a lender and borrow money on it and then don't make any payments. Once you put the building up for sale… see they probably have a lease agreement with the owner of the building and you're now pulling the equity from the contract of that lease. See the attorney has contracted with the owner of the building and you've contracted with the attorney. See and you're accepting his dishonor. That means he has contracted for the involuntary bankruptcy. Involuntary bankruptcy means he has agreed to total liquidation of his property. Those people in that building don't want to pay you out for your interest and you sell the whole building. Okay?
** Okay
R: Now you're going to have some fun.
** I was hoping these banks were going to hang in there and be my collector.
R: No No you be the collector. They can't do it---we have to do it.
** Oh man…
R: That's what you're going to use that draft for. Now you see you can put there name on the left hand side and pay through them that way.
** Oh yeah… they ain't going to like that a bit.
R: Well you get a little of that under your belt and we'll start getting on with some of the other fine points.
** Do you think I should send a complaint to the comptroller?
R: Naw
** NO
R: That's not going to do you any good. That's just another layer of disguise…
** Yeah you're probably right… it's all controlled by the same people.
R: I've got some stuff stuck in there with them, but I'm getting ready to go back in there and tell them it's no sense talking to you guys. You guys don't have enough authority to regulate anything and you don't do it. So just go peddle your papers. You probably need to dissolve the office here that you hold. Yeah, the less they know the more they get paid.
** Well now I gotta re group. What do I do now?
R: Well just set down and think about it.
** What bothers me is they don't send me back any of the stuff I sent them. What are they doing with it?
R: They didn't send anything back? Well you've got somebody here at the bank and use that person's name on the draft to pay for it. I'll tell you what, their bank will present it to them. And if the SOB dishonors it see then that corporation you purchased something from will have a claim on them. Yeah, that's the way you get them.
** Chuckle… Those stupid credit cards… I was fighting those people and they are not giving up… you know that.
R: Oh yeah until you nail them. I'll tell you how I do it sometimes… I take like American Express. I haven't even had and American Express card since 1977 but the accounts still good. I busted up my card and sent it back to them in 1980. sometimes when I order something I use the American Express number and a lot of times I get the merchandise and they'll tell me American Express wouldn't honor it Chuckle… guess what I do? I draw a draft down on Alfred F. Kelley.
**: Oh he is the CEO…
R: Oh yeah and if I run across any other damages I do the same thing using his name.
**: And it works?
R: Sure it does
** You know I think that may of confused them when we put payable using our own name.
R: Well see they can volunteer to take it here. That's no problem for them. But you see they get cute. Some of these guys think they are really Casanovas and they can do what they want. Now when they do it they risk loosing everything they have in their name. See they don't own any equity if they owe somebody something. If they owe us and they admit it now you see what they've done is open themselves up for personal liquidation.
** That's exactly what this lady did to me.
R: Yes… all you have to do is learn that they did it to us! Now we're going to use the same rules and do it to them. Except you see, they didn't have a legitimate claim, they assumed they did. The difference we have now is we have the claim in fact. As a matter of fact… they didn't. They were operating in fraud and you see they don't have anywhere to go.
** Oh Wow this is great!
R: yeah
** Now in the left hand box there on the draft, do I reference any numbers or just name and address?
R: Just name and address will do it. Sometimes I use the corporation if I don't have anything else but I try to find a name. If they're going to fuss about it then it'll come back and you'll get a name then.
** Oh sure, okay
R: So far they haven't bothered me with any of it.
** You're kidding?
R: Oh I've sent out several hundred of them.
** When do you get time to do all this and still farm?
R: What I do is I start and work on this from morning until night and get this done.
** Well I know you get a lot of phone calls so I appreciate you're time and information. However, I'm still confused about the drafts I sent out to this Dr. now that I have to regroup and start over. They took my draft… I bet they deposited it and took the money, you know?
R: Who cares…
** Who cares… okay
R: They have to answer to it you don't.
** The thing is I thought I had done it right… payable through his name and address and his surety (insurance co).
R: What are you getting from the Dr.? What's the Dr's product? You've got to have a product for exchange. You bought something didn't you.
** He is the one that killed my son and 6 other people. He has dishonored all my presentments of acceptance.
R: Oh okay then go buy something and put the draft out to get some exchange.
** So I have to get an exchange?
R: Right you've got to get a vendor to sell you something for this much then you say oh I accept and give them a draft drawn on that Drs name on it.
** Then that vendor goes an collects.
R: Well you don’t get involved in any part of that.
** Okay so that's what causes the action to start the collection.
R: Right
** Oh I've been doing this wrong.
R: You see that works like the draft. You got people that are drafted into the military. Works the same way…Remember people getting drafted into the military somebody signs the draft and they go to the military or the fight.
** Well it works in this case I'm signing the draft telling this vendor to go get the money from that guy.
R: That's right… works the same way. My father was the chairman of the draft board in the county of WWII. So I know how it works.
** They way they use the words it befuddles the mind. Things aren't what you think they are.
R: Well that's because of the attorneys. They're a bunch of **. Who was it that said the best thing we can do is kill all the lawyers.
** I think it was Shakespear and that was in 1550.
** I can't believe B of A did this to me…
R: What are you talking about. That is what they are suppose to do. They are doing what they are suppose to do. You want them to get to the replevin. The credit equals the debit.
R: I had a guy call me the other day and he starts whining about this and that. I said "What can I do for you?". He say's it's about your account… I said "Well what about it"? and he says "Well we didn't get paid". I said "Well what did you do with my payment?" He starts stumbling around and bla bla bla . Finally he says "Well it was a bad check". I said "How come you're writing bad checks?" See I know he is talking about the operation of a fiduciary account. They are the ones that write checks. I didn't give him a check, I gave him a draft, but anyway.
** They always think it's a check though!
R: No they don't, they're talking about a check off the escrow that the fiduciary writes. When they're talking to you they have a mental image of something else. It is totally different than what you think. So that's why I asked him… "Why are you writing a bad check?" Boy did he stop in his tracks. He was stumbling around for words and him hawing then he says "Well we couldn't get any cash". I said "Well what's the matter, are your checks no good?". Chuckles and laughter. He said "It was returned from the bank". I said "What was returned from the bank?" He said "your check came back and it was marked closed". I said "Hell why didn't you say so, that's just the closing of escrow. The bank now has admitted that the account is pre-paid". He said "Well we couldn't get paid". I asked "What are you doing …double billing, trying to get paid twice?" He hung up the phone.
** Do you think he was an attorney?
R: Oh I don't know it doesn't really matter. What they are not use to is having someone turn the questions on them. See I know how the accounting works. I know he is talking about the accounting between the debtor and the creditor. Fiduciary debtor and fiduciary creditor….not me.
** Right
R: But it's my account that they're operating so they always say I'm the tax payer and I'm liable and sure I am. But I tell them you do this and you do that but they keep trying to turn it around back into assumption. See I also
intimidated him too when he tried to say "Well I don't understand that". I said "Then why in the hell did you call me?" "If you don't understand what you're doing get the hell out of my business". I really laid into him and he sort of backed down a little but just kept up. I haven't got too much tolerance for any of them.
** Chuckles… that's good.
Small talk and then good-byes.