Notice to Bank legal Chief is an example – and NOT a “Cut & Paste”. with some thought, anyone can change the wording to suit their personal situation.
If this is beyond your level of dumbing-down, then you’re not smart enough to be following this path. Would you give a loaded pist*l to a kid as a play-toy?
As one neighbour says: “Are you crazy? Taking on the banks? They’ve got thousands of highly paid lawyers ready to chew you up and spit you out for breakfast. You got your house, don’t you?”
“yeah, but they’re committing fra.ud – and I don’t want to be part of that fra.ud…”
Blank – look …
Warning: If you don’t know what you’re doing, you;re likely not ready to send this Notice to Bank legal Chief. There’s many articles you can read here before you start down this path.
With the correct preparation you’ll be ready to write your Notice to Bank legal Chief and change the wording to suit your circumstances.
Notice to Bank legal Chief
[NOT]ICE TO SENIOR LEGAL COUNSEL XXX BANK’
Your letter of ………….., to ……………………. Received by ……………………..
DEAR SIR or MADAM,
As you are senior legal counsel for the XXX BANK LTD (hereafter ‘XXX’) you would be aware of all or most that follows in this [NOT]ICE, you would not be able to claim ignorance of the content.
Be advised that this [NOT]ICE should not be construed to be our refusal to pay any lawful ‘money,’ lawfully ‘loaned’ by ‘XXX’ to us.
You are advised of the following facts:
A. Since the signing of the alleged ‘loan’ document, we have been made aware of information as advised in this [NOT]ICE.
B. We were not given full and complete disclosure as would be required under the 8 essential elements of Contracts, one of which is full and complete disclosure.
C. The alleged ‘loan’ document is actually a ‘Promissory Note’, which is the instrument that created the ‘credit’ or ‘money/currency’ that ‘XXX’ allegedly ‘loaned’ us.
D. We have not been presented with any material fact or evidence that any ‘money’ or ‘currency’ being the subject of your and ‘XXX’ demands, changed hands or was deposited in my/our account, nor do I believe any exists.
E. No bank is allowed to use other depositors alleged funds to loan anyone or any business or entity.
F. One time Senator Helen Coonan has stated in part, in writing that, quote –
“ banks do not borrow money from the Reserve Bank for creation of credit”
One time Australian treasurer, Peter Costello, has stated in writing, words to the effect that ‘… banks loan other depositors funds …”.
G. Either then Senator Helen Coonan, or then treasurer Peter Costello must be lying.
Not requesting legal advice
H. Your employee …. to date … has refused to answer any of our reasonable questions. I consider that she made false promises and, or blatantly lied..
I. You refer to “Mr Browns name” and the names “Phillip & Flossie Brown” near the top of the letter all written in Title Case, not in UPPER CASE as – ‘MR BROWNS NAME’ or ‘PHILLIP & FLOSSIE BROWN’.
In this Notice to Bank legal Chief, be advised that I am not requesting legal advice. I’m simply asking questions, the answers to which would only be within your means of knowledge, or the bank CEO or Group Managing Director’s means of knowledge.
Be further advised that I am not refusing to pay any lawful ‘money’, which I allegedly may have been advanced or loaned by ‘xxx’ and not created from computer strokes.
As you wish to get involved, then I bring the following to your attention:
(a) I am aware of a document from a Commonwealth government MP which states that banks loan out other depositors funds.
(b) I cannot in good faith breach section 115 of Clause 9 of the Act to Constitute the Commonwealth of Australia 1900 (UK). without consequences, I urge you to become familiar with this section of said act.
Currency Act 1965
(c) The Currency Act 1965 in sections 9, 11, 16 and 22 detail interesting aspects of our currency which you would or should be very familiar with. As you would be very familiar with this Act, I will not copy and paste the sections; I simply make the statement below.
You would obviously be aware that the Currency Act 1965 governs the States in conjunction with section 115 [the Commonwealth Constitution] as in point (C) makes no mention of other than coin, there is no mention of notes, no ‘fractional reserve’ lending, no computer strokes or entries and no transaction greater than AU$20 can be lawfully carried out in this State and all agreements must conform to the fundamental law of the land, to give them full faith and credit by all people.
(d) You may be aware of Justice Kirby’s statements in his judgement in the High Court of Australia case of – Stephen Arthur Leask v The Commonwealth of Australia [1996] HCA 29 (5 November 1996), but they have a large bearing on your demands and we strongly advise you to read it.
Truthful answers
In this Notice to Bank legal Chief, we require your truthful answers to the following questions:
1. With reference to ‘xxx’ bank employees unsigned letters, kindly advise why they would not be in breach of section 85T(a) of the Crimes Act 1914?
2. Do you accept an unsigned cheque as payment of alleged debts?
3. Pursuant to the Reserve Bank details above, can you supply further and better particulars…The Notice to Bank’s legal Chief requests details of the difference between a bank loan and Bank Credit in terms of ‘money’ of substance in conformity with the above section (d) [assuming that means notes and coin] to either Phillip James Brown or the juristic PERSON – ‘PHILLIP JAMES BROWN.’
4. What section of which valid legislation do you rely upon, that ‘money’ as notes is legal tender, or that strokes on a computer keyboard is ‘legal tender’?
5. Do you claim some employee or agent of ‘xxx’ deposited actual ‘money’ [coins] into a bank account of the entity you refer to as PHILLIP JAMES BROWN or the alleged account of Organic Herbs Pty. Ltd.?
6. If you state that money of legal tender [coins] was deposited, on what day, month and time, did this occur and what entity or which man or woman made the deposit?
7. If the answer to 6 above is yes, did such ‘money’ come from other ‘xxx’ Bank depositor’s accounts?
Did Bank lend or credit its ‘money’?
8. If the answer to 6 above, is no, did ‘xxx’ Bank lend or credit its ‘money’, that is, notes and coin, not ‘created money’ as stated by one time senator Helen Coonan?
9. If depositors “money” was loaned to the entity ‘PHILLIP JAMES BROWN’ or deposited in the alleged account of ………………………. was this authorised by all applicable depositors and did such depositor’s accounts show a corresponding decrease in their applicable bank statements following the ‘loan’?
10. By what means lawfully and in good faith can a man, woman or ‘PERSON’ pay ‘money’ and ‘interest’ or extinguish any alleged debt, when neither the ‘principal nor the interest ‘money’ is in circulation at the time of the monthly statement and notes and coin in circulation is only approximately 2.688% of total loans, credit card etc?
11. Has ‘xxx’ Bank and or all of its employees given full and frank disclosure in all its dealings with the alleged account holder at all times?
12. Referring to “… lender risk …”, please explain in detail what ‘xxx’ Bank risked in this alleged matter and what it stands to lose in the form of ‘money’ or ‘currency’?
13. Pursuant to sections 9, 11, 16 and 22 of the Currency Act 1965 explain in sufficient detail why we would not be in breach of those sections in the complying with your demand to reduce the alleged debts, all of which of course are well over the $20 limit?
14. Is any alleged loan or alleged account holder document signed by us and, or Flossie Brown, the instrument/s that ‘created’ the “money” being the subject of the demand by you and ‘xxx’ Bank?
Validation from Bank
15. Was the ‘money’ created by ‘xxx’ Bank as was stated some time ago in a letter from Senator Helen Coonan Quote: “The Reserve Bank does not loan money to banks for the creation of credit”
Take NOTICE that I also require the following information from the Bank legal Chief:
(i) Validation of the debt (the actual accounting);
(ii) Verification of your claim against me (a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act 1909);
(iii) JP certified true and correct copies of both sides of all pages of the original alleged contract / Promissory Note, signed by a responsible ‘xxx’ Bank employee and either the juristic PERSON – ‘PHILLIP JAMES BROWN’, ‘FLOSSIE BROWN’ or the living man– Phillip Jmes Brown and/or living woman – Flossie Brown. Ensure biro/wet ink signatures of both the ENTITY – or the living man – Phillip James Brown, the living woman Flossie Brown and a responsible bank employee, are visible on the document.
(iv) The full name, address and contact phone numbers and email of the Holder in due course of the original Promissory Note and/or the original Loan Instrument.
From Bouviers Law Dictionary –
“HOLDER. The holder of a bill of exchange is the person who is legally in the possession of it, either by endorsement or delivery, or both, and entitled to receive payment either from the drawee or acceptor, and is considered as an assignee. 4 Dall. 53.
And one who endorses a promissory note for collection, as an agent, will beconsidered the holder for the purpose of transmitting notices. 2 Hall, R. 112; 6 How. U. S. 248; 20 John.372. Vide Bill of Exchange.”
QUOTES:
“Banks lend by creating credit. (ledger-entry credit, monetized debt) They create the means of payment out of nothing.”
– Ralph G. Hawtrey, Secretary of the British Treasury in his “Trade Depression and the Way Out.”
“Neither paper currency nor deposits have value as commodities, intrinsically, a ‘dollar’ bill is just a piece of paper. Deposits are merely book entries.”
— Modern Money Mechanics Workbook, Federal Reserve Bank of Chicago, 1975.
“But, if you wish to remain the slaves of the Bankers and pay the cost of your own slavery, let them continue to create deposits.”
– Sir Josiah Stamp (Chairman of the Bank of England in the 1920’s, and then the second richest man in Britain).
“It is a fact that bank deposits are used as money, which provides the basis for the statement that ‘Bank loans create deposits.’ The creation takes place when the value of the loan is credited to the customer’s account, or, if a different practice is followed, when one customer’s overdraft becomes another customer’s deposit.”
– From Chamber’s Encyclopaedia (1950, Vol. 2, page 99) under the heading of “Banking and Credit.”
“The banks create and destroy money. Bank credit is money. It’s the money we do most of our business with, not with that currency which we usually think of as money.”
– From Governor Eccles, one time head of the Federal Reserve Bank Board of the United States. Given in evidence before a Congressional Committee.
Credit River Case
“When a bank lends, it creates credit. Against the advance, which it enters amongst its assets, there is a deposit entered in its liabilities. (This is ‘double-entry’ book-keeping.)
But other lenders have not this mystical power of creating the means of payment out of nothing. What they lend must be money that they have acquired through their economic activities.”
From his book, “The Art of Central Banking”, by Mr R. G. Hawtrey, previously Assistant Under-Secretary to the British Treasury.
Re: FIRST NATIONAL BANK OF MONTGOMERY v JEROME DALY
IN THE JUSTICE COURT; STATE OF MINNESOTA; COUNTY OF SCOTT; TOWNSHIP OF CREDIT RIVER
JUSTICE MARTIN V. MAHONEY
First National Bank of Montgomery, Plaintiff Vs Jerome Daly, Defendant
JUDGEMENT AND DECREE (in part)
At 12:15 on December 7, 1968 the Jury returned a unanimous verdict for the Defendant.
1. That the Plaintiff is not entitled to recover the possession of Lot 19, Fairview Beach, Scott County, Minnesota according to the Plat thereof on file in the Register of Deeds office.
2. That because of failure of a lawful consideration the Note and Mortgage dated May 8, 1964 are null and void.
3. That the Sheriff’s sale of the above described premises held on June 26, 1967 is null and void, of no effect.
4. That the Plaintiff has no right title or interest in said premises or lien thereon as is described.
MEMORANDUM (in part)
“A lawful consideration must exist and be tendered to support the Note. See Ansheuser- Busch Brewing Company v Emma Mason, 44 Minn. 46 N.W. 558.”
Justice Martin V. Mahoney was murdered 6 months after he entered the CreditRiver Decision on the books of the Court, why the case was never legally overturned, nor can it be.”
Kindly ensure your authorities truthful statements are in a sworn STATUTORY DECLARATION or an AFFIDAVIT signed under their full commercial liability as well as the covering letter.
Also, this NOTICE to Bank legal Chief states:
that should you not provide all answers and documents required above, by close of business on Friday 21 st of August … It shall be accepted that you and ‘XXX’ Bank are in default of any and all terms, agreements and contracts,
And Phillip James Brown is not the surety or guarantor for your juristic legally created PERSON – PHILLIP JAMES BROWN, nor do we owe anything to XXX Bank.
Should you be of the opinion that you do not have to truthfully answer all the above questions… Or not be in default and admission of the statements as in the preceding paragraph… I require specific sections of legislation to validate your opinion, which of course everyone is entitled to.
We demand your truthful response to ALL questions above, in our possession by close of business on Friday XXXX ……
I do not consent to any threats from you or any employee of ‘xxx’ Bank…
Until all our questions have been given due consideration…
And have been answered to our satisfaction.
Should you fail to answer
Take further NOTICE that should you fail to answer all questions to our satisfaction and provide all documents required…
We shall accept your tacit agreement of the following:
(a) That the debt did not exist in the first place;
(b) Any alleged contract was void ab-initio; or
(c) It has already been paid in full; and
(d) That any damages I suffer, you may be held culpable;
(e) That any negative remarks made to a credit reference agency will be removed;
(f) And You will no longer pursue this matter any further.
Also, in your reply to this Notice to Bank legal Chief, we require you:
To provide Justice of the Peace or Notary Public certified true and correct copies… Of any and all credit cards the subject of your demands, in the name of ‘Phillip M Brown’.
Should this matter proceed to Court, more will be required from you and ‘XXX’ bank executives during “discovery”.
Sincerely, :John-James: Doe
All rights reserved No assured value, No liability.
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