Bank’s weak foreclosure position solidifies each day, as the evidence mounts against the bank.

Just by asking a few questions that remain without answers, this situation is quite simple. Admit nothing. Deny everything. Let them prove the claim. Without any assumptions or presumptions.

After numerous formal requests to the bank for meetings, for negotiations, attempts to seek resolution.

Each time the bank’s actors remain silent.

So while bank claims the borrower’s being delinquent with mortgage payments, the bank has no proof. Apart from the lack of recent transfers into the borrower’s mortgage (loan) account.

Neither can the bank argue that the borrower hasn’t done everything possible to seek remedy.

Without showing extreme prejudice or bias, the court would find it hard to rule in the banks favour… As neither the bank, nor their external debt collector lawyers can prove the debt.

Both the bank’s actors and their lawyers have been reported for using threats and intimidation to extort unsubstantiated monies (for their own personal gain).

Even the action of making a final offer to the bank. Show us the proof and we’ll pay. Or if you don’t meet the deadline you accept there is no proof… And now you take full responsibility for the consequences, together with ownership of any alleged debt.

Thats not a tough for the “borrower” to see the bank’s weak foreclosure position.

It’s very clear. The bank ignores many opportunities for remedy, while choosing to use external debt collectors attempting to create fear and intimidation. Meanwhile those debt collectors still show no proof to validate the “outstanding loan account balance.”

Bank’s Weak Foreclosure Position of Silence

The bank’s silence about the delinquent mortgage, or lack of proof, is a powerful statement of the bank’s refusal to engage or provide substantiated proof. Several things become apparent.

The bank’s inability or unwillingness to provide evidence of the debt raises serious questions about the validity of their claim. In a legal context, if they can’t prove the debt with proper documentation they likely have no case. Why can’t they evidence the original loan agreement, detailed account records, or an audited trail?

Banks Misconduct or Malpractice?

Engaging external debt collectors is an attempt to coerce payment without legal grounds. In many jurisdictions, this could be viewed as an abuse of process or harassment, and they may face legal consequences for it.

The bank ignores ample opportunities to resolve the matter. Their continual refusal to engage or provide proof suggests they have no documentation to support their claim.

So it’s highly unlikely that a court would rule in their favor if they haven’t provided the necessary proof. It could even suggest that they never had a solid basis for the debt in the first place, or they’ve failed to keep proper records.

Implications for the Bank

Making a final offer, a last chance to prove the debt, or accept responsibility for not being able to, leaves them with no room to argue.

Pursuing a debt they can’t prove the debt, while acting in bad faith. Using pressure to pay something they have no right to collect.

Their silence, combined with intimidation tactics, speaks volumes.

With the bank’s actors missing the deadline, you can argue that they’ve forfeited any claim to the debt. Failing to provide the necessary evidence emphasises the bank’s weak foreclosure position.

If they continue to pursue this matter without evidence, it could open them up to legal challenges for harassment or misconduct.

The ball’s bounced out of the bank’s court, leaving the stable door wide open, after the horse has bolted.

The bank’s weak foreclosure position is clear. They have no valid claim for which relief can be granted.

And the bank’s actors must now take full responsibility for their inability to take action.

By the way, none of this is legal or financial advice. And don’t try any of this at home without adult supervision.