To Apply This Information To Your Own Situation Call Or Text … (250) 306 7487 or email us at UnitedWeStandPeople@gmail.com.
We are now going to share the findings of the ongoing Public Investigation.
All the following Cases were reported to UnitedWeStandPeople.com by Canadian Private Lenders or Borrowers.
Therefore we will be giving everyone their due process.
All Bank Employees, Collectors and Lawyers will be given their chance to answer the questions on this Public Forum ( Blog) and rebut any claims made against them and their office regarding how the following question was handled:
Does the Bank have verifiable proof they are still in fact the rightful owner of the debt?
We will be providing emails and recorded telephone communications of Bank Employees, Collectors and Lawyers answering the above question.
With that said, over the past 3 years we have NOT had one logical response that makes any sense from the Banks Employees, Collectors and Lawyers regarding the above question.
It seems the Banks Employees, Collectors and Lawyers feel their internal policy trumps the Canadian Laws and Common Sense Business Practices some how.
It seems they expect the Canadian to give into internal Bank policies even though Canadian Laws and Common Sense Business Practices dictates otherwise.
Considering the amount of corruption within huge organizations such as the Bank it is now crucial the Canadian General Public become the watch dogs. Since the 1970’s Canadians have allowed large institutional entities to self govern themselves and as we can see this has not worked out in the favor of the Canadian Public.
Our Investigation has revealed it is common practice for the Bank Employees, Collectors and Lawyers to Bully Canadians even though the Canadian is 100% in the right.
This situation we have been shedding some light on is just the tip of the iceberg of why change is needed. The corruption that has hatched out of self governing entities is atrocious.
The General Public now has a meeting place in order to collectively be the watch dog. UnitedWeStandPeople.com.
The Bank Employees, Collectors and Lawyers responses are so illogical when asked if they can provide verifiable proof the Bank is in fact still the rightful owner of the debt.
The Bank Employees, Collectors and Lawyers email and telephone communications which will be provided in future posts will seem comical now that you are well aware of the information in this blog.
When dealing with the Bank Employees, Collectors and Lawyers the first question we have the Canadian Borrower and Private Lender ask is the following :
Are you aware Debts are bought and sold everyday?
If they say “no”, we send them the Many links we have provided at the bottom of the first post.
Once they become aware of the links there is no denying the Banks could have sold the debt.
If they say “yes”, we simply state the obvious :
Considering you are aware debts are bought and sold, we are requesting verifiable proof the Bank is in fact still the rightful owner of the debt, due to the fact the Bank could have sold it.
You would think if a Bank Employee, Collector or Lawyer admitted they are aware the Bank could have sold the debt then there should be no rebuttal of why the Canadian Borrower and Private Lender would need verifiable proof the Bank is in fact still the rightful owners of the debt.
Our investigation uncovers what actually happens in reality is the Bank Employee, Collector or Lawyer misleads the General Public in their own way spewing out false information.
When the Bank Employee, Collector or Lawyer realizes they cannot convince the Canadian Borrower and Private Lender they should just take the Banks word, they refuse to be logical and resorts to BULLY TACTICS.
To Apply This Information To Your Own Situation Call Or Text … (250) 306 7487 or email us at UnitedWeStandPeople@gmail.com.
Up to this point we have lumped the Bank Employees, Collectors and Lawyers all together regarding their actions.
To fully understand the Banks corrupt antics when asked to prove ownership of the debt, we will need to discuss the individual roles played by the Bank Employee, The Bank Collector, and The Bank Lawyer that makes it possible for the Banks to even attempt to get away with:
Misrepresentation Of The Facts Leading To Fraud!
The amount of inaccurate information spewed out by Bank Employees, Collectors and Lawyers misleading The Canadian Public is atrocious.
As you will see it seems they are all in cahoots together to conceal the fact that the Bank sold your debt and is Not telling you!
But Even More Sinister: Attempting to collect on debts they no longer own by Bully tactics and use of false information.
Each of the Bank Employees, Collectors and Lawyers have implemented their own Bully tactics within the above situation which we will now EXPOSE !
The Bank Employee
The Bank Employee even though agreeing debts are bought and sold everyday will insist because they can provide a statement referring to the debt in question, this proves the Bank owns the debt.
We will then inform them this is NOT true, providing a Statement only proves:
The Bank Is Simply Servicing The Debt !
Servicing the debt allows the Bank to collect payments, provide statements and answer any questions you might have pertaining to the debt, but rest assured they are no longer the rightful owner of your debt. Click here to verify this.
So only because you have been sending payments to a Creditor over the past 3 years does not verify they are still in fact the rightful owners of the debt. They could have sold it and are now simply servicing the debt.
The majority of the Bank Employees once informed of the above information eventually admits they now understand why the Canadian Borrowers and Lenders are asking for verifiable proof the Bank is in fact the rightful owner of the debt, and agrees to take it to their supervisor.
This Is Where Things Get Fishy.
The Bank Employee who was working with you and now understands the importance of the request is simply told they are NOT allowed to communicate with you any longer. When you ask to speak to the supervisor they refuse to share their name and contact information.
What happens next, is the Bank sends the file to one of their Collection Agencies.
Why would a Bank send a file to a collector when the Borrower is trying to payout the full amount of the loan?
There seems to be only one answer, the Bank sold the debt and was attempting to collect on a debt they no longer own. This is known as:
Misrepresentation Of The Facts Leading To Fraud !
Keep in mind the Canadian Borrower did everything expected of them:
They served the Bank official documentation requesting proof of ownership of the debt so the Canadian Private Lender can pay them out. In some cases the Canadian Borrower served the Bank 3 times in less than 90 days with little or no response.
They also authorized the Private Lender to act as their legal representative within the capacity of a Debt Consolidator.
Then the Borrower together with the Private Lender called the Bank directly to payout the debt in full, as long as the Bank can produce verifiable proof they are in fact still the rightful owners of the debt.
It should be very simple for the Bank to produce verifiable proof they are in fact still the rightful owner of the debt but instead the Bank sends the file to a collector!
Why would the Bank send the file to a Collector when all the Canadian Borrower contractual obligations were met.
The contractual obligations of of the Canadian Borrower is at the end of the month to either make the payment or payout the debt in full.
The Borrower together with the Private Lender attempted to payout the debt in full but it was the Bank who could not supply the proper documentation to complete the transaction for months.
The Canadian Borrower successfully arranged the funds via the Private Lenders Debt Consolidation Loan to payout the Bank in full.
It was the Bank who could not produce the proper documentation ( proof of ownership of the debt) to be paid out.
It would be unreasonable to expect the Canadian Borrower to continue paying the high COMPOUND Interest Bank loan ONLY because the Bank cannot produce proof they are in fact still the rightful owners of the debt.
It would also be unreasonable to expect the Canadian Private Lender to have his money sitting in limbo, not receiving payments for months ONLY because the Bank cannot produce proof they are in fact still the rightful owners of the debt.
It should be very simple for the Bank to prove they are in fact still the rightful owners of the debt, unless they are NOT.
Therefore The Canadian Borrower Did Not Miss A Payment !
The Bank then goes as far to report inaccurate information on the Canadian Borrowers Credit Report, reporting missed payments.
Where I come from, this would be considered under handed. Furthermore some would simply call it lying.
But NOT To Worry !
We Will Be Explaining How Simple It Is To Have The Canadians Credit Report Fixed In Future Posts.
But for now lets move on to The Bank Collector and their role in misleading Canadians when asking for proof of ownership of the debt.
The Bank Collector:
Once the Bank realizes the Canadian Borrower and Private Lender is correct but wont admit it, they send the file to one of the many third party Collection Agencies.
The beginning of the process is the exact same as when dealing with the Bank Employee.
The Bank Collector even though agreeing debts are bought and sold everyday will insist because they can provide a statement this proves the Bank owns the debt.
We will then inform them providing a Statement only proves:
The Bank Is Simply Servicing The Debt !
Servicing the debt allows the Bank to collect payments, provide statements and answer any questions you might have pertaining to the debt, but rest assured they are no longer the rightful owner of your debt. Click here to verify this.
So only because you have been sending payments to a Creditor over the past 3 years does not verify they are still in fact the rightful owners of the debt. They could have sold it and are now simply servicing the debt.
The majority of Bank Collectors once informed of the above information eventually admits they now understand why the Canadian Borrowers and Lenders are asking for verifiable proof the Bank is in fact the rightful owner of the debt and agrees to take it to their supervisor.
This Is Where Things Once Again Gets Fishy !
The Collector who was working with you and now understands the importance of the request is simply told they are not allowed to communicate with the Private Lender any longer but to harass the Canadian Borrower by continuing to keep calling them.
When you ask to speak to the supervisor they refuse to share their name and contact information.
But NOT To Worry .
We simply send The Collector a no contact letter and due to Federal and Provincial Legislation they must stop.
Our investigation has revealed something very interesting but disturbing. The Collectors do not complete any due diligence checking if the Bank is in fact still the rightful owner of the debt.
The Collectors working on behalf of the Banks are collecting debts without verifying the Bank is in fact still the rightful owner of the debt.
If Collectors are aware debts are bought and sold as a daily practice of the Bank, should they not verify the Bank is in fact still the rightful owner of the debt before they start working on the file.
It is a well known fact Banks continually bundle Canadian Debts and sell them to the World Market as a daily practice, but still the Collector just takes the Banks word that the Bank is still in fact the rightful owner of the debt.
That Is CRAZY !!!
This means there are hundreds of thousands of Canadians receiving harassing phone calls from Collectors on no legal or lawful grounds.
We have recordings of Collectors admitting they just take the Banks word for it never in fact verifying the debt asked to collect upon was NOT Sold. Very unprofessional !
Therefore the Collector Industry has no checks and balances making sure the Collector is working with files of integrity.
In future posts we will be investigating how the Collection Agencies Governing Body allows the above to happen.
But for now lets move on to The Bank Lawyer and their role in misleading Canadians when asking for proof of ownership of the debt.
The Bank Lawyer:
The Lawyers who choose to work on the Banks behalf are quite an Interesting breed. They literally made a conscious decision to work against the Canadian People.
The Bank Lawyers sole purpose is to take away the due process from the Canadian people when in conflict with the Banks. So when dealing with Bank Lawyers you must be careful and informed.
With that said, for a Lawyer to pretend they are not aware of the concept of proof of ownership of the debt after going to school for 7 years would be a ridiculous and an embarrassing statement for a Lawyer to make.
Therefore dealing with the Bank Lawyer is much easier than dealing with a misinformed Bank Employee or Collector.
Once The Bank Lawyer understands the Canadian Borrower and Private Lenders position they do proceed with caution due to the fact they are well aware of the crime :
Misrepresentation Of The Facts Leading To Fraud.
The first thing the Lawyer will do is spew out as much misleading information as possible to try and convince the Canadian to concede to whatever the Lawyer tells them simply because they are a Lawyer and you are not.
Once the Lawyer speaks to the Canadian Borrower together with the Private Lender and can see they are well informed and won’t back down, in most cases the Lawyer will stop working on the file not to hear back from them ever again.
Some Lawyers will try and barter and ask “well if I can get a sworn affidavit by an employee of the Bank stating they saw you sign the loan contract this should be sufficient”.
The Response To The Above Is:
We are not denying The Borrower signed a loan contract, we simply need to know if the Bank sold it since The Borrower signed it.
In many cases the original wet ink contract was signed 3 months to 2 years ago which is ample time to sell a Debt Contract.
The ONLY Bank Employee who would have access to the information to make the claim the Bank is in fact still the rightful owner of the debt is one of the many Banks Chartered Accountants.
This is why we are making the reasonable request the Bank provide a sworn affidavit from a Chartered Accountant stating they viewed the Bank Ledgers and the Bank still owns the debt due to the fact the debt in question presently appears on the Bank Ledgers.
After hearing the Canadian Borrowers and Private Lenders many water tight rebuttals, in most cases the Bank Lawyer drops the file.
All Lawyers and Chartered Accountants are well aware of what perjury is and the ramifications it can have on their lives and professional careers.
The next post will be explaining what happens when we come across a Bank Employee, Collector or Lawyer who acts unprofessional and or irrational.
This Is Where Things Get Very Interesting!
To Apply This Information To Your Own Situation Call Or Text … (250) 306 7487 or email us at UnitedWeStandPeople@gmail.com.
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