Debt Detective – Discover The Banks Best Kept Secret “The Banks Sold Your Debt and Are NOT TELLING YOU!”

 

 

The Bank Sold YOUR Debt And Are NOT Telling YOU!

 

Lets Just Get To The Point. 

I have been in Finance for the last 27 years and I have uncovered via a Canadian Public Investigation that the Banks have sold your debt and Are NOT Telling You?

Yes this means who you believe to be your Creditors are not your Creditors!

The Creditors you believe you owe money to, legally and lawfully You Do Not!

When we refer to the statement “your creditor sold your debt” we are NOT referring to when a debt goes delinquent and sold to a collector to collect.

We are referring to the fact the Banks sold your debt days after you signed the loan agreement to the World Market through a process called Securitization.  Click here to verify this

Therefore who you believe to be your Creditors are NOT. 

They Are Simply Servicing The Debt !

 Servicing the debt allows the Creditor 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.

 

To Use The Information Presented In This Blog To Get Out Of Debt Quicker Than You Ever Thought Possible Here Is A LINK Worth Checking Out

or email us at UnitedWeStandPeople@gmail.com

 

To Go Straight To The Canadian Public Investigations Click The Link Below or Skip The Link And Continue With The In Depth Explanation Of How The Bank Employees, Collectors And Lawyers Are BULLYING The Canadian People While Misrepresenting The Facts Leading To FRAUD!

 

CLICK HERE:

 REAL LIVE CANADIAN PUBLIC INVESTIGATIONS OF UNFAIR BANK EMPLOYEES, COLLECTORS & LAWYERS BULLYING FELLOW CANADIANS!

 

 

Here Is An Example Of How The Banks Makes Money Selling Your Debt:

A Canadian borrows via Credit Card $25,000.00 over a 5 year term at 19% compound interest.

At the end of the 5 year term you will pay back a total of :
$64163.43 (Total Interest: $39163.43)  

Therefore the contract you signed borrowing $25,000.00 is now worth $64163.43.

The Bank days after you signed the loan can now sell the debt for $40,000 netting a profit of $15000.00.

Therefore the Bank makes $15000.00 within the half an hour spent with you signing the loan documents.  This applies to all loans, even over the internet where they spent no time with you.

If that is not bad enough, it gets worse:

Keeping in line with our example you borrowed $25,000.00 from the Bank.  The Bank sells the debt one week later. 

But in this case 3 months pass and you come into enough money to payoff your debt in full.  

Most of us would simply walk down to the Bank and pay them the balance owing and feel we were treated fairly. 

But if we look closer we will see The Bank Just Got Paid Twice!

HOW?

The Bank sold the debt days after you signed the contract and received payment, then you also paid them 3 months later.  Therefore the Bank just got paid twice.

If you think that is bad,  it gets much worse!

Our 3 Year Ongoing Investigation Will Show You How Corrupt It Really Is via Future Blog posts:

This blog will share with you the steps to take to verify if your creditors sold your debt.

If you have Collectors calling you, this is the blog you will want to pay attention to.  We can make them go away!

If you are in foreclosure, you will definitely want to pay attention to this blog, you can save your house!

If you are thinking of Bankruptcy or Consumer Proposal, we can show you how to save your credit by asking the right questions.

The best way to share this life changing information with the Public is to share my on going investigation into this matter.

Many of the following posts on this Blog will be our investigative findings of how the Bank Employees, Collectors and Lawyers are openly participating in…

“Misrepresentation Of The Facts Leading To FRAUD!”

Yes the Bank Employees, Collectors and Lawyers are defrauding the Canadian people and the purpose of this blog is to illustrate exactly how via our on going investigation of this matter. 

In the following posts we have recorded conversations with corrupt Bank Employees, Collectors and Lawyers in situations where they can not prove the Bank is still the rightful owners of the Debt. 

In these situations, The Bank Employees, Collectors and Lawyers attempt to Bully the Canadian into submission by stating inaccurate information every time.

Make Sure To Follow Our Ongoing Investigation !

 

CLICK HERE : Verify It For Yourself – Many Links Proving Your Creditors Sold YOUR Debt

 

To use the information presented in this blog to get out of debt here is a LINK worth checking out or email us at UnitedWeStandPeople@gmail.com . 

 

 

 

 

Debt Detective – The Banks Not Playing By The Rules …Things To Be Aware Of… The Bank Sold Your Debt!

 

 

Our Last Post Was Very To The Point.

The Banks Are Selling Your Debt And Not Telling You!

But Even More Sinister:  Attempting to collect debts they no longer own by Bully tactics and use of false information. 

The Official Term Used To Describe The Above:

Misrepresentation Of The Facts Leading To Fraud.

We have been conducting an ongoing investigation into this matter for the last 3 years. We are very excited to share our findings with the General Public.

Before we share our findings with you we must make sure you understand 3 main facts brought to your attention in the last post:

1) The Bank Sold Your Debt And Are NOT Telling YOU.

We provided many links in our last post proving this is the case.

2) The Bank Could Be Simply Servicing The Debt.

The Bank can service a debt without being the rightful owner of the debt. 

The above point is very important to understand before we move forward.

Only because you have been making payments to the Bank for the past three years does not mean they are still the rightful owners of the debt.

They could have sold the debt over the past 3 years and are now simply servicing the debt (collecting payments and answering any questions the borrower might have).

3) The Bank Could Be Paid Twice For The Same Loan.

If you signed a loan contract with the Bank, then the Bank decides to sell the debt and receives payment from the Buyer of the debt, then you come into some money and decide to pay the Bank out, in this situation the Bank just got paid twice.

In order to follow and understand our ongoing investigation of this matter, you will need to be familiar with the above 3 facts.

To use the information presented in this blog to get out of debt here is a LINK worth checking out or email us at UnitedWeStandPeople@gmail.com . 

Before we get into the juicy findings of our ongoing investigation of this matter, let’s take some time to understand the evolution of the Financing Industry Market Place.

Not many people realize this but Private Lenders have been around much longer than the Banks.  At one point there were no Banks and only Private Lenders.  Then the Bank was invented.

The Banks eventually were successful via slander, to make the masses believe “Private Lenders are not to be trusted and charge high interest rates, so use us the Banks”.

From 1970 to 2020 the Banks have gone full circle.  The Banks and their counter parts are charging 19% – 40% Compound Interest on Credit Cards and Payday Loans but some how still successfully indoctrinates the General Public to believe Private Lenders are the ones charging high interest rates.  Its comical when pondered!

These days the average Canadian is up to their eye balls in high interest loans and are actively looking for other loan sources and solutions.

It Seems The Canadian People Have Found The Solution, The Private Lender Who Charges Simple Interest NOT COMPOUND INTEREST.

The switch to Private Lenders within the market place is happening quickly due to the evolution of the internet allowing Private Lenders and Borrowers to be just a click away!

The result is many Canadian Private Lenders and Canadian Borrowers are now starting to discover win win business deals among themselves and are signing Debt Consolidation Contracts.

For a Bank to attempt to squash a contract created by two Canadians just because the Bank does not have the proper documentation to prove they are the rightful owners of the debt would be considered NOT playing by the rules.

In our 3 year ongoing investigation into this matter we have found the Banks Are NOT Playing By The Rules !

The Canadian Borrower has every right to seek out a better deal for themselves and their family in our Canadian Democratic Capitalist Market Place.

The Canadian Private Lender has every right to seek out a Borrower they can successfully get into contract with in our Canadian Democratic Capitalist Market Place. 

Many Canadian Borrowers are paying Credit Cards, Payday Loans and ‘B’ Lenders interest rates from 19% to 40% Compound Interest.

With this in mind it is crucial for Canadians in these situations to have their Private Lender Debt Consolidation Loans come to completion.

To use the information presented in this blog to get out of debt here is a LINK worth checking out or email us at UnitedWeStandPeople@gmail.com . 

In essence over time the Banks have enslaved the Canadian Borrower via Compound Interest.

Now the Canadian Borrower has arranged Simple Interest Financing to break free and payout the Bank, but the Bank attempts to sabotage the deal simply because the Bank cannot prove they are the rightful owners of the debt.  That is NOT playing by the rules!

The Bank expects the Canadian Borrower to sacrifice their well earned financial freedom the Private Lender deal offers just because the Bank can not prove they are the rightful owner of the debt

That is Ridiculous!

It should be very simple for the Bank to complete the transaction.

The only thing left to do for the Bank to be paid out in full is prove they are the rightful owners of the debt.

If the Bank did sell the debt, they simply need to inform the Canadian Borrower of who they sold the debt to so together with the Private Lender they can continue the transaction with the rightful owner of the debt.

What Is Verifiable Proof Of Ownership Of The Debt?

The wet ink copy of the loan contract you signed (NOT a Photocopy), accompanied by a sworn affidavit by a Chartered Accountant stating, they looked into the ledgers and the debt still appears on the Banks ledgers and has not been sold.

Lets Break Down The Above Paragraph.

Not many people know this but when you sign a loan contract you have created a financial instrument which is considered an asset that can be bought and sold.

What your Creditors will do is produce a photocopy of the contract you signed and insist this is proof of ownership of the debt, but as we now know, it is NOT!

They could have photocopied the original contract then sold the debt / asset (the original wet ink contract).

Therefore your Creditor producing a PHOTOCOPY of a loan contract is NOT verifiable proof that they are in fact the rightful owners of the debt.

Lets now expand on the sworn affidavit provided by the Chartered Accountant.

The only employee that has access to the Bank ledgers to make the claim if the debt was sold or not is a Chartered Accountant.

Every Bank has a Chartered Accountant so the above is a very reasonable request and easy to satisfy.

Our Investigative findings have illustrated the Banks, Payday Loans and ‘B’ Lenders can NOT produce verifiable proof they are the rightful owners of the debt when asked by a Canadian Lender and Borrower.

It is crucial to understand the importance of this Reasonable Request from the Canadian Private Lender and Borrower point of view.

Lets say the Bank did sell the debt and the Private Lender hands the Bank the money without asking for proof of ownership of the debt. 

The Bank Just Got Paid Twice!

If the rightful owner of the debt shows up at a future date demanding payment, this would leave the Private Lender and Borrower in a compromising position.

Here is some applicable history of the evolution of the Finance Industry you will find very interesting.

Prior to 2008 Private Lenders never did ask for proof of ownership of the debt when dealing with the Banks.  They were just as conditioned as the rest of the general public to believe whatever the Banks told them, just taking their word for it.

But after the 2008 Financial crash the Banks admitted to selling the debts irresponsibly and this was the reason for the crash.

By 2011 Private Lenders started asking themselves, maybe we are being naive not asking for verifiable proof if the Banks are in fact the rightful owners of the debt.

Since 2013 it has become common practice for Private Lenders to ask for proof of ownership of the debt before handing over their hard earned money.

Would you hand money over to purchase an asset without knowing you are handing the money to the rightful owner of the asset.

Of Course Not!

For Example:

If you were purchasing a vehicle and the seller could not produce proof of ownership of the vehicle, would you hand over the money?

Of Course Not!

The same premise holds true in the Financial Industry.

It seems the Banks are taking full advantage of the General Public not being informed to pull the wool over the Canadians eyes by collecting on debt they sold and no longer own, the Bank getting paid twice.

This is why it has become necessary for the General Public to conduct their own investigation regarding if the Bank Employees, Collector and Lawyers are in fact committing the crime of …

Misrepresentation Of The Facts Leading To FRAUD!

To use the information presented in this blog to get out of debt here is a LINK worth checking out or email us at UnitedWeStandPeople@gmail.com . 

 

Debt Detective – Banks Slight Of Hand Tricks… Why Do They Not Tell Us About Compound Interest vs Simple Interest? … Here Is Why!

 

 

 

 

The Difference between Compound Interest and Simple Interest is the final point we will cover before we share the findings of The General Public’s Investigation with you.

The investigation is regarding the Banks via their Employees, Collectors and Lawyers selling your debt and not telling you.

But Even More Sinister:  Attempting to collect debts they no longer own by Bully tactics and use of false information. 

The Official Term Used To Describe The Above:

Misrepresentation Of The Facts Leading To Fraud.

 

Why would the Bank do such a thing?  Money, Money, Money!! 

Lets go over just one of the hundreds of ways the Banks make money when dealing with Canadians. 

 

 

 

Understanding the difference between Compound Interest and Simple Interest is truly essential to survive in this financially dominated world. 

I am willing to bet, the majority of readers who read the previous posts and saw the words Simple Interest and Compound Interest have no idea of what the difference is and the implications it has on our lives.

 

 

Compound Interest should be covered in detail with all students before they leave high school. 

The leaders of the school system were well aware we would be dealing with Banks through out our lives, so why did they not teach us about Compound Interest and The Banking System?

The Banks literally have a say in every aspect of our lives.  The food you eat, the movies you watch, what mainstream media reports, the list goes on including our school curriculum

The old saying the fox is watching the hen house rings true in every aspect of the Banks transactions with the General Public.

 

 

 

 

Here are just one of the Banks many financial slight of hand tricks that most people are not aware of but effects the masses. 

When you borrow money from a Bank they charge you Compound Interest but when you lend the Bank money via depositing money or investing into their many financial products they only allow you the Canadian to earn Simple Interest.

 

So why does the Bank insist to charge Compound Interest but only payout Simple Interest? Money, Money, Money!

 

 

 

A great exercise for every Canadian to do is take the exact same terms and conditions and enter them into a Simple Interest  and Compound Interest Calculator.

 

 

 

 

We have provided the following Simple Interest Calculator and Compound Interest Calculator Links.

 

 

 

 

 

 

 

 

 

 

 

If you do complete the above exercise, it will become very apparent why the Banks are not very transparent when explaining Compound Interest to the Canadian General Public.

BUT… For your convenience we have entered the following terms and conditions into a Simple Interest Calculator and a Compound Interest Calculator to illustrate how much more expensive Compound Interest is :

 

 

 

 

 

 

        

$20,000.00 at 19% over a 5 year term.

Simple Interest Calculations:

Monthly Payment: $518.81

Total Interest: $11,128.66

Total Amount Paid Back: $31,128.66

 

Compound Interest Calculations:

Monthly Payment: $855.51

Total Interest : $31,330.75

Total Amount Paid Back: $51,330.75

To use the information presented in this blog to get out of Compound Interest debt trap here is a LINK worth checking out or email us at UnitedWeStandPeople@gmail.com. 

As you can see Compound Interest is much more expensive than Simple Interest. Approximately 40% more expensive!

If you really want to see a person squirm in a suit, phone your Bank Manager and ask them to explain Compound Interest in relation to the amount of interest being paid on your loans.

 

With the above in mind you would think the bulk of the Banks profit is made by charging you Compound Interest, but crazy enough it is not!

The BULK of the money within your loan transaction is made by the Bank selling your debt and NOT tell you. 

This Is How They Do It.

Not many people know this but in the Financial Industry debts are considered an asset that can be bought and sold.  You created an asset the day you signed the loan contract. 

The Asset created that day is the original wet ink copy of the loan contract you signed.

Therefore In our above Compound Interest Calculations the wet ink original loan contract you signed for $20,000.00 is worth  $51,330.75 over the 5 year term. 

The Bank now can sell your debt for $35,000.00 via a process known as Securitization (Selling Your Debt To The World Market).

Therefore the Bank makes $15000.00 within the half an hour spent with you signing the loan documents.  This applies to all loans, even over the internet where they spent no time with you.

[The MANY links VERIFYING The Bank Sold Your Debt can be found at the end of the first post.] 

 

If you have read the whole Blog up to this point, congratulations you now know more about the inner workings of the Banks than  90% of the employees of the Bank.  Knowing this information will level the playing field with future dealings with the Banks.   

Most importantly you now have the information that will allow you to be part of a General Public Investigation of the Banks Selling Debt.

If you have not already read the home page of this site UnitedeWeStandPeople.com this would be a good time to do so.

This blog is not just to inform but to organize the General Public to participate in the ongoing investigation.

HOW ?

By sending emails letting the Corrupt Bank Employee, Collectors and Lawyers know you read the blog focusing on one of their files and you are  a concerned citizen who has some questions regarding the matter.

 If you like adrenaline rushes and wish to call the Banks Employees, Collectors and Lawyers yourself asking pertinent questions, Go For It! 

We will be providing the contact information,  questions and emails so to participate is simple,  safe but powerful.

As the home page explains in detail the impact on corrupt Bank Employees, Collectors and Lawyers when the  General Public become the watch dogs.  

All Bullies will stop when they know others are watching. This is the catalyst that will make them stop! A true win for the Canadian People. 

United We Stand, Divide We Fall !

The Power Is In The People!

Lets Unite Via UnitedWeStandPeople.com

To use the information presented in this blog to get out of debt here is a LINK worth checking out or email us at UnitedWeStandPeople@gmail.com . 

 

We Will Start Sharing Our Findings Of The General Public Investigation Within The Next Post. 

 

Debt Detective – Tricks Of Bank Employees, Collectors and Lawyers EXPOSED … This Information Changes Everything!

 

 

 

To use the information presented in this blog to get out of debt here is a LINK worth checking out 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 use the information presented in this blog to get out of debt here is a LINK worth checking out 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 use the information presented in this blog to get out of debt here is a LINK worth checking out or email us at UnitedWeStandPeople@gmail.com. 

 

Caught In The Act ! … BULLYING CANADIANS … Negligence In The Work Place … Unprofessional Harassment And MUCH More !!

 

 

To use the information presented in this blog to get out of debt Quicker than YOU ever thought possible here is a LINK  worth checking out or email us at UnitedWeStandPeople@gmail.com. 

 

If you have found the information up to this point interesting, we are sure you will find the rest of the posts VERY Entertaining !

 

The Following Posts Are Real Life Investigative Case Studies  Illustrating How Unfair The Canadian People Are Being Treated By Bank Employees, Collectors And Lawyers.

 

LINK TO TABLE OF CONTENTS OF CANADIAN PUBLIC REAL LIVE CASE INVESTIGATIONS

 

 

Introduction To The Canadian Public Real Live Case Investigations

It is important to take this time to mention the majority of Bank Employees, Collectors and Lawyers are very reasonable people and when understanding the information presented in the last four posts of this blog, will agree that something does NOT seem right

But what can they do, stand up to their superiors and loose their jobs.  These people have families to think of.  They are forced to turn a blind eye and continue on helping to cast the illusion of the Bank in order to receive a pay cheque.

The irony is everyone of the Bank employees Collectors and Lawyers are Canadians who are also being taken advantage of from the same system they are paid to promote.  

I believe the majority of Bank Employees, Collectors and Lawyers are reasonable people but … 

In every group there are Bad Apples and Bank Employees, Collectors and Lawyers are no exception.

The Following Investigative Posts Will Focus On These Bad Apples !

Each unfair Bank Employee, Collector or Lawyer will have a post dedicated to them Exposing there unfair treatment of the Canadian People. 

We are confident once you see how unfair these particular Bank Employees, Collectors and Lawyers are will move you into action by send them emails asking questions regarding the file. 

If you have not read the home page of UnitedWeStandPeople.com this would be a good time to do so. 

It explains in detail of why The Canadian Public had to go to the extent of conducting a collective investigation.

When the Canadian People act collectively letting the following BULLY  Bank Employees, Collectors and Lawyers know they are being watched they will stop. 

All Bullies Will STOP ONLY When They Are Aware They Are Being Watched.

The Power Is In The People!

Lets Get Started!

 

LINK TO TABLE OF CONTENTS OF CANADIAN PUBLIC REAL LIVE CASE INVESTIGATIONS 

 

 

 

 

TABLE OF CONTENTS – Real Live Canadian Public Investigations – Bank Employees, Collectors And Lawyers Caught Misrepresenting The Facts Leading To FRAUD!

     

 

The Following Are Real Live Canadian Public Investigations YOU Can Participate In Re:

Bank Employees, Collectors and Lawyers CAUGHT BULLYING The Canadian Public While Misrepresenting The Facts Leading To FRAUD ! 

 

Please make sure to participate in the investigation by sending emails or calling to the provided contact info.  If you do call make sure to record the conversation so we can use your recording that just might go viral bringing awareness to this problem.

Check out this link for more information on how to become an investigative reporter with UnitedWeStandPeople.com : Become An Investigative Reporter LINK  

 

1)  Lawyer: Stephen Schwartz

Company: Chaitons LLP

Phone: (416) 218 – 1132

Email: Stephen@chaitons

 

2) Collector: Lisa Aiello

Company: MJR Capital Services Inc

Phone: 1 866 612 7045 ext 464

 

3) Collector: Delan. C and Brian

Phone : 1-877-471-4589

Company: Diamond Financial /  Captain Cash

Email: receivables@diamondfinancialone.com

 

4) Collector:  Kim Pottinger

Phone: 18883951147 ext 6865

Company: D&A Group

Email : Kim.pottinger@dagroupservices.com

 

5) Vice President : Stu Barnes

Company : MJR Capital Services Inc 

Phone: 1 866 612 7045 ext 464

Email : N/A

 

 

Lawyer: Stephen Schwartz Company: Chaitons LLP Phone: (416) 218 – 1132 Email: Stephen@chaitons

 

 

The following Investigative Case Study is a Great Example of why Canadian Public investigations are desperately needed in order for the Canadian People to be treated fairly by the Banks, Equifax and their appointed Lawyers.

 

In the following Canadian Public Investigative Case Study Stephen Schwartz is the Lawyer for Equifax (The Deffendant) . 

In this case the Canadian (The Plaintiff)  is the one who sued Equifax.

The Canadian sued Equifax due to completing an unreasonable insufficient investigation regarding inaccurate information appearing on their Credit Report. 

To fully understand how Equifax is misrepresenting their service to the Canadian People click the following link:

Equifax Misrepresentation LINK. 

 

The Following Is A Public Investigation Regarding:

When a Canadian sues Equifax Canada , does Equifax appointed Lawyers allow the Canadian Public their Due Process (treat them fairly)?

The following case study featuring Stephen Schwartz will clearly illustrate the answer to the above question is a very obvious NO!

In this case the Canadian sued Equifax due to an unreasonable insufficient Investigation process concerning inaccurate information appearing on their Credit Report.

As you will see Stephen Schwartz  refuses to answer any of the reasonable questions The Canadian Borrower / Plaintiff is asking.   

Stephen Schwartz is demonstrating the classic move all unfair Lawyers use when their ONLY Defense is to ignore pertinent questions while taking away The Canadians Plaintiffs Due Process. 

Absolutely Ridiculous!

The following is a link to an email The Canadian Plaintiff sent Stephen Schwartz (the Lawyer) containing very reasonable questions: 

EMAIL LINK

As you can see the above email had very pertinent and reasonable questions when answered will determine if in fact Equifax completed a reasonable sufficient investigation.  

This is why Stephen Schwartz refuses to answer the provided reasonable questions in the above Email Link.

Stephen Schwartz did respond but still refuses to answer any of the reasonable pertinent questions set out within the above Email Link!

Click Here: Take Action Send A Complaint NOW!

Stephen Schwartz response was to read the information he has provided. 

What he is referring to is a case printed off from the internet that as we can see has nothing to do with the circumstances surrounding this case therefore we sent the following email:

EMAIL LINK

Stephen Schwartz did not respond to the above email therefore The Canadian Plaintiff sent the following Email:

EMAIL LINK  

We managed to get a response from Stephen Schwartz weeks after but as you can see we had to inform him that we were contemplating going public considering the poor manner in which Stephen Schwartz is conducting this file.  The following is Stephen Schwartz email response:

EMAIL LINK

As you can see he still refuses to answer the questions therefore the Canadian Plaintiff sent the following email:

Click Here: Take Action Send A Complaint NOW!

EMAIL LINK 

This is where YOU,  The Canadian Public can make a difference concerning the unfair treatment of The Canadian Public by Equifax and the Banks appointed Lawyers . 

 

This is the time to react by sending Stephen Schwartz an Email making him aware that the Canadian Public is watching.

Click Here: Take Action Send A Complaint NOW!

 

Check Out Another Investigation – CLICK HERE – Table Of Contents Of Investigations !

 

 

Collector: Lisa Aiello Company: MJR Capital Services Inc Phone: 1 866 612 7045 ext 464

Recording 1)

0:45 the paperwork she does not understand explains proof of ownership explicitly … 
1:00 Lisa states she can get a letter from RBC simply take their word for it.
1:12 Admits she does not understand the concept of proof of ownership of the debt
4:22 he says the five major Banks in Canada do not sell debts!
Very inaccurate information
5:50 says he does not have an email!!
6:06 he says RBC asks them not to use emails why?  Make no sense…  he also says that RBC does not use email to send out statements
6:10 Private Lender asks what confirmation do they get from client?
6:47 he says he cant say for sure
8:47 after The Private Lender explains proof of ownership of the debt he says it like a foreign language
9:24 he implies his personal experience trumps Law
9:30 to 9:53 Spurts off inaccurate information
10:08 he says pay royal bank directly prove he does not understand the concept of proof of ownership of the debt
10:50 Private lender explains how easy the request is to fulfill
11:04 he again says just take their word for it with a letter
11:25 he says he does understand proof of ownership of the debt
11:45 Private lender says bank get paid twice
12:30 Private Lender mentions how simple it should be for the Bank to produce.

 

Recording2)

:28 The letter she is reffering to is the same letter she was reffering to in the last conversation what is she talking about re The Canadian Borrower and Private Lender did not send

:47 She again reffers to the fact she does not understand the concept of proof of ownership of the debt but says we shaould just take their word for it via a letter

1:21 she says she can get a letter stating we work for RBC

1:30 Private lender states what proof of ownership of the debt is

1:55 she gets rattled so puts the Private Lender on hold for approx 5 min (which we deleted)

2:03 Forwarded to Vice President

3:00 Admits he is aware debts are bought and sold

3:10 Private lender explains proof of ownership of the debt explicitly.

3:41 Vice president says implies Equifax Credit Report is proof who owns the debt

4:03 Vice president states he can get a letter from rbc take their word for it

4:20 a type of Bullying cant prove ownership so we will escalate action to collect

4:44 says unrealistic things Proof of ownership is unrealistic it is very simple

4:58 says we will carry on even though they can not prove they own the debt

5:15 he says they did not sell the debt then you should be able to prove it.

5:27 he says it will be not from a chartered accountant but he said they have many working for them.

6:00 wont be from accountant just take their word for it

6:07 he says RBC has never sold any debt!

6:15 further illustrates has no idea re proof of ownership

6:34 the Private Lender explains there letter wont be sufficient

7:10 he calls proof of ownership of the debt outlandish!

Recording3)

Recording4)

 

Collector: Delan. C and Brian Phone : 1-877-471-4589 Company: Diamond Financial /  Captain Cash Email: receivables@diamondfinancialone.com

 

 

The Following Case Study Is The Perfect Example Of How Bank Employees Are Treating The Canadian Public Unfairly While  Causing Damages.

Dylan and Brian are Employees of Diamond Financial who work within the Internal Collections Department.

The Canadian Borrower (Martin) Successfully Qualified for a Debt Consolidation Loan with a Canadian Private Lender. 

 

The Canadian Borrower Did Everything Expected Of Him.

He called Diamond Financial and Authorized the Private Lender to speak on his behalf in the capacity of a Debt Consolidator.

The Private Lender called Diamond Financial and spoke to an employee named Brian regarding proof of ownership of the debt.  Brian did not fully understand the concept of proof of ownership of the debt so he passed the Private Lender to his supervisor Delan.

This Is Where Things Get Fishy!

As soon as the Private Lender mentioned, all that is required at this point is verifiable proof that Diamond Financial is still in fact the rightful  owner of the debt and they will be happy to payout the loan in full. 

Immediately Delan got on the defensive refusing to deal with the Private Lender which in itself seems to be admitting guilt of some sort.  

Click Here: Take Action Send A Complaint NOW!

 

EMAIL LINK

As Martin mentioned in the email above he completed some research regarding if in fact debts are bought and sold and sent the following email:

EMAIL LINK

As you can see Martin provided many links proving debts are in fact bought and sold as a daily practice within the Financial Industry.

When one is aware debts are bought and sold, ONLY then does it becomes obvious why it is crucial the Canadian Borrower together with The Canadian Private Lender confirms Diamond Financial is in fact still the rightful owner of the debt. 

Simply put, they could have sold it!  

The Following Is A VERY Unprofessional Email Response from Delan:

Click Here: Take Action Send A Complaint NOW!

EMAIL LINK 

In the above Email Delan shows how inexperienced he truly is by Stating The following:

“You may take his funds and pay off the debt yourself.”

In the above quote “his” is referring to The Canadian Private Lender. 

Delan really shows his inexperience by not knowing the common sense Financial Industry Lending Practices.

All Lenders including Diamond Financial when arranging Debt Consolidation Loans never gives the money to the Borrower to forward to their debts for the obvious reason they might just keep the money and not payoff the Creditors.

All Lenders within the Financial Industry participating in Debt Consolidation Loans forwards the funds to the Creditors directly.  

As you can see Delan handled the situation as unprofessional as possible.  In the last paragraph for Delan to state:

“As for the articles and YouTube videos you sent us, if you would take half the time you took to research those, to work out a payment arrangement with us, your loan would be paid by now.”

The above response is one of the most unprofessional offensive responses I have ever come across considering the relevancy of the information sent to Delan.

A professional reasonable response would have been to illustrate he has read the links by stating his position explaining why Diamond Financial does not need to produce verifiable proof they are in fact still the rightful owners of the debt in order to be paid out in full. 

Obviously  Delan or any other person for that matter can  articulate a legitimate reason why Diamond Financial would be exempt from providing Verifiable Proof they are in fact still the rightful owner of the debt, before being paid out in full

Click Here: Take Action Send A Complaint NOW!

After such an Unprofessional response any Canadian would rightfully request to speak to Delan’s Supervisor. 

The following email was sent from the Canadian Borrower (Martin):

EMAIL LINK

 Delans following Email response to the above email contains some of the oldest tricks in the Bank Employee Play Book that unfortunately most Canadians in this situation would fall for hook line and sinker:

EMAIL LINK

NOTE: The Above Email Is Well Worth Dissecting! 

It illustrates some of the oldest tricks in the Bank Employee Play Book regarding how to mislead Canadians and how misinforming Delan’s email really is.

Delan Stated:

“First, I don’t have to supply you with any information from my bosses. I am the manager here at Diamond Financial, and I am the one dealing the with clients, not them.”

Most Canadians would be fooled into believing the above statement and simply give up.  How the above should be interpreted is as follows:

Yes Delan you do not have to do anything but doing the professional thing is what is expected of a person in your position.  Due to the fact Delan will Not act Professionally we will simply goolge “who is the CEO of Diamond Financial” to continue the discussion with them.

Click Here: Take Action Send A Complaint NOW!

The following is a well documented trick used by Bank Employee Collectors.  Delan states:

“Second, let me be clear, we are not required to work with your unlicensed private lender.”

The Term Delan Uses, “unlicensed private lender” Is An Oxymoron:

By definition a Private Lender is an entity who lends their own Private Funds.  Why would a Canadian need a licence to lend their own money.  That is like saying you need a Real Estate licence to sell your own home It is a ridiculous but comical statement when pondered.

In the following statement Delan refers to “them”.  He is referring to the Private Lender and The Canadian Borrowers Chosen Agent :

“YOU can work out any kind of loans you want with them, but WE are not required to work with them.”

The above statement is not true.  The Canadian Private Lender and Borrower signed a loan contract therefore within Contract Law it states Diamond Financial MUST deal with the Affected Parties of the Contract.

Click Here: Take Action Send A Complaint NOW!

Regarding not having to communicate with a Canadians Chosen Agent:

It is a Basic Canadian Human Right to chose your own Agent who you believe to posses the knowledge of the issues  at hand.

The only person who has any say who your chosen agent is you. Not Some Bank Employee!

Delan is again using one of the oldest tricks in the book trying to convince the Canadian Public that Diamond Financial  internal policies trumps  Canadian Laws and Rules Of Court.

Delan states:

“We are knowingly trying to collect money that you owe us, we have not sold your file.”

In a commercial transaction such as this one, it is obvious Verifiable Proof is expected.   For the Seller to ask the Buyer to simply take their word they still own the debt / asset is ridiculous !

 

Delan states:

“If you required proof, I can supply you with the same information that a legit Private Lender/Debt management company/Bankruptcy and consumer trustees require, which are your signed contract and an account statement( that proves we still own the debt)”

First of all from the end of the above quote:

“which are your signed contract and an account statement( that proves we still own the debt)”

The Above Statement Is False!

A photocopy of the contract and a Statement only proves: 

They Are Simply Servicing The Debt !

 Servicing the debt allows the Creditor 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.

Click Here: Take Action Send A Complaint NOW!

Delan has lumped the following Entities together:

“Private Lender/Debt management company/Bankruptcy and consumer trustees”

A Private Lender cannot be lumped into this bunch due to the fact Debt management company, Bankruptcy and consumer trustees DO NOT Lend Money.  Its like categorizing Chips, Chocolate, and Candy with Spinach.

With that said, if Delan ever managed to find a Canadian Private Lender who is willing to hand over their hard earned money without completing their Due Diligence by verifying the debt was not sold, would be considered an inexperienced and irresponsible Business Person.

Due to the fact the Debt Management Companies, Bankruptcy and Consumer Trustees DO NOT Lend Money they would only ask for internal confirmation not Verifiable Proof the debt has not been sold.

Therefore To Compare These Entities Does NOT Make Any Sense!

A Canadian Private Lender lending their own hard earned money would obviously need verifiable proof:

Legally and Lawfully Verifiable Proof Is As Follows:

The original wet ink loan contract accompanied by a sworn affidavit signed by a Chartered Accountant confirming they viewed the ledgers and the debt appears on the ledgers and has not been sold.

EMAIL LINK

 

It is obvious that he did not read the links both the Canadian Lender and the Canadian Borrower sent him. 

His main concern was that he did not want to speak to the Private Lender again.  

Therefore to move things along quicker The Private Lender agreed to have all communications continue through the Canadian Borrower Martin but it would not change the fact legally and lawfully Diamond Financial still will need to produce proof of ownership of the debt.

Click Here: Take Action Send A Complaint NOW!

 

Check Out Another Investigation – CLICK HERE – Table Of Contents Of Investigations !

 

Collector Kim Pottinger Of D&A Group Admits Fraud But Won’t Stop! – Get Involved Send A COMPLAINT NOW!

 

 

Collector Caught  Misleading The Canadian Public With Inaccurate Information While Misrepresenting The Facts Leading To Fraud !

PROOF! – 8 RECORDED CONVERSATIONS BELOW!!

 

Violating Party: 

Canadian Collector Kim Pottinger (Mrs Robinson Supervisor) employed by D&A Group Collections.

 

Violation:

Misleading The Canadian Public Stating Inaccurate Information While Misrepresenting The Facts Leading To Fraud.

 

Introduction : The Problem.

A huge problem in the Canadian Market Place are Collection Companies and their employees Misleading The Canadian Public Stating Inaccurate Information While Misrepresenting  The Facts Leading To Fraud.

This Canadian Public Investigation focuses on two collectors, Mrs Robinson and Kim Pottinger. 

Kim Pottinger is Mrs Robinsons supervisor therefore we will be focusing on Kim Pottinger regarding the above stated violation.

 

 To Use The Information Presented In This Blog To Get Out Of Debt Quicker Than You Ever Thought Possible Here Is A LINK Worth Checking Out !

or email us at UnitedWeStandPeople@gmail.com .  

 

Please Keep The Following Points In Mind While Listening To The Recorded Conversations:

1) The Bank SOLD your debt days after you signed the Loan Contract.  If proof of ownership is not requested and the Bank manages to collect via a collection agency then:

THE BANK JUST GOT PAID TWICE!

2) Kim Pottinger mentions multiple times in the following recordings that if Walmart Master Card is not on the Canadian Borrowers Credit Report then Walmart together with the collector would be committing FRAUD

As you will see at the end of the conversation it is proven Walmart Master Card does NOT appear on the Canadian Borrowers Credit Report as a Creditor but another company named Duo Bank Of Canada does. 

3) Kim Pottinger states repeatedly, “if a Creditor appears on your Credit Report that is legal proof they own the debt”.  We found this is NOT True

Equifax Lawyer Stephen Schwartz has made it very clear Equifax does NOT verify if the Creditor appearing on a Canadians Credit Report in fact sold the debt or not.  Therefore Kim Pottinger statement is …

Very Misleading Inaccurate Information !

4) When Kim Pottinger has NO rebuttal to the Canadian Private Lenders points she repeatedly states” I have never heard of a lender asking for proof of ownership of the debt”.  Kim Pottinger again is misleading the Canadian Public by implying her past experience and internal policies trump Canadian Law and Common Sense Business Practices. 

Very Misleading Inaccurate Information !

5) Kim Pottinger admits she is well aware debts are bought and sold as a daily practice within the financial Industry. 

If Kim Pottinger is aware debts are bought and sold then why can’t she understand how crucial it is for The Canadian Borrower and Private Lender to ask for proof of ownership of the debt

The Creditor / Walmart Master Card  could have sold the debt.  Kim Pottinger some how is not grasping this common sense concept.

The Following Example Illustrates The Above Common Sense Concept:

The Canadian Borrower signs a Loan Contract in January.

The Creditor / Bank sells the Wet Ink Loan Contract / Debt without informing The Canadian Borrower in April.

December the Creditor / Bank sends the file to a third party Collector.

The above example illustrates at the time D&A Group creates the original Collections file with the Creditor / Bank the Creditor / Bank would no longer own the debt due to the fact they sold it! 

This is why Collectors should be asking the Creditors / Banks for verifiable proof they are in fact still the rightful owners of the debt before they start the collections process. 

Click Here: Take Action Send A Complaint NOW!

 

The Following Recordings Have So Many Violations Of Inaccurate And Misleading Information We Divided It Up Into 8 Parts.

Following every recording we have supplied a detailed description supplying the time stamps of where Kim Pottinger and Mrs Robinson states misleading inaccurate information committing:

Misrepresentation Of The Facts Leading To Fraud.

 

Please Feel Free To Scroll Down The Page Skipping The Descriptions  And Listen To The Recordings.

 

1 of 8 Initial Collector Mrs Robinson Realizes She Needs HELP From Her Supervisor. 

The following are time stamps of the above recording pin pointing where the Collector Mrs Robinson is stating inaccurate and / or misleading information:

 

0:45 Mrs Robinson admits she is aware debts are bought and sold within the Financial Industry as a daily practice.  Therefore it should be common sense why the Private Lender would want proof of ownership of the debt.  The Bank could have sold it days after the Canadian signed the contract.

1:50 Mrs Robinson implies her past experience and policies trumps Canadian Laws and Common sense Business Practices

Very Misleading Inaccurate Information!

2:30 Mrs Robinson states “the client is fully aware the debt has not been sold”, but the Canadian Borrower served them paperwork stating the exact opposite.  Mrs Robinson also states the debt has not been sold but as you will see she has no verifiable proof

Very Misleading Inaccurate Information!

2:51 Canadian Private Lender asks what confirmation does D&A Group get from the Creditors / Banks to verify the debt was not sold and Walmart Master Card is still in fact the rightful owners of the debt?  Mrs Robinson responds:

“We just take the Creditors / Banks word for it “.

3:20 Mrs Robinson responds “We just take the Creditors / Banks word “

Therefore Collector Mrs Robinson together with D&A Group Collections have NO Verifiable Proof that Walmart Master Card is in fact  the rightful owner of the debt.  Walmart Master Card could have sold the debt at an earlier date without informing the Canadian Borrower, The Collector (Mrs Robinson / Kim Pottinger) and Management of D&A Group!

This is very unprofessional and irresponsible considering Mrs Robinson, Kim Pottinger and D&A Group admittedly are well aware debts are bought and sold!

Example:

The Canadian Borrower signs a Loan Contract January.

The Creditor / Bank sells the Wet Ink Loan Contract / Debt without informing The Canadian Borrower in April.

December the Creditor / Bank sends the file to a third party Collector.

The above example illustrates at the time D&A Group creates the original Collections file with the Creditor / Bank they would have already sold the debt!  

Considering Mrs Robinson and D&R Group admitted they are well aware debts are bought and sold as a daily practice within the Financial Industry, they still do NOT verify the Bank is in fact still the rightful owner of the debt before starting the Collection process.

Very irresponsible Business Practices and Inaccurate Misleading Information!  

4:40 Mrs Robinson is confusing two very different issues.

One issue is she keeps retreating back to the statement that she together with D&A Group  is authorized to collect on behalf of Walmart Master Card. 

She is having a hard time understanding we are NOT questioning they are authorized to collect but if they have verifiable proof their Client ( Walmart Master Card) is in fact still the rightful owner of the debt. 

This seems very odd Mrs Robinson admits of being aware debts are bought and sold daily within the Financial Industry but cannot see how crucial it is for The Canadian Private Lender to verify if Walmart Master Card sold the debt.  Mrs Robinson train of thought is simply not logical!

5:08 Mrs Robinson’s answer is “no” when asked if she read the paperwork within the file The Canadian Borrower served D&A Group asking for proof of ownership of the debt?  Very unprofessional!

The result is the Canadian Private Lender asks to speak to a supervisor and Mrs Robinson agrees.  

Click Here: Take Action Send A Complaint NOW!

 

2 of 8 Kim Pottinger (Supervisor) Misleading inaccurate Information

The following are time stamps of the above recording pin pointing where the Collector Kim Pottinger is stating inaccurate and / or misleading information:

 

1:06 Kim Pottinger implies her past experience and policies trumps Canadian Laws and Common sense Business Practices.  Very misleading and inaccurate information!

1:25 Kim Pottinger is now for the first time viewing the paperwork served to D&A Group from the Canadian Borrower requesting proof of ownership of the debt. It becomes painfully obvious she has no idea of whats going on.

2:13 The Canadian Private Lender explains they are NOT questioning if you have authorization from Walmart Master Card to collect.  We are requesting proof that Walmart Master card is in fact still the rightful owner of the debt?  Kim Pottinger cannot distinguish between these two very different issues.

2:55 Once again Kim implies her past experience and policies trumps Canadian Laws and Common sense Business Practices. Very misleading inaccurate information!

3:20 to 3:55 Kim Pottinger  implies the Canadian Borrower should just take her and D&A Group word for it. 

In a commercial transaction that is ridiculous!  The Canadian Borrower together with the Private Lender has every right to ask the Bank to produce verifiable proof they are in fact the rightful owner of the debt. 

3:50 Kim Pottinger states “if Walmart Master Card is on D&A Group collection paperwork then Walmart Master Card must still own the debt”.  This is very misleading inaccurate information due to the fact the ONLY person who has access to the Banks Accounting Ledgers in order to make that claim is a Chartered Accountant.

Click Here: Take Action Send A Complaint NOW!

 

3 of 8 Kim Pottinger Admits That herself, D&A Group and Walmart Master Card could be committing FRAUD!

The following are time stamps of the above recording pin pointing where the Collector Kim Pottinger is stating inaccurate and / or misleading information:

 

0:01 The Canadian Private Lender asks what proof do you get from Walmart Master Card that they did not sell the debt?

0:27 Kim Pottinger  mentions that Walmart Master Card would be committing fraud if they tried collecting on a debt they no longer own. 

This is the proof Kim Pottinger would like the Canadian Borrower and Private Lender to accept that Walmart Master Card owns the debt.  Again that is ridiculous! In a commercial transaction such as this one Walmart Master Card is required to produce verifiable proof they are still in fact the rightful owner of the debt when requested by a Canadian Borrower and Private Lender!

1:03 Kim again mentions that Walmart Master Card would be committing fraud attempting to collect on a debt they soldWE AGREE !

1:25 Kim again says SHE can put it in writing that Walmart owns the debt and that should be proof enough.  Again this is ridiculous, she does NOT have access to Walmart Master Card Accounting Ledgers to make that claim.  Only The Banks Chartered Accountant has access to Walmart Master Card Accounting Ledgers in order to verify if in fact the debt was sold or not!

1:47 Once again Kim implies her past experience and policies trumps Canadian Laws and Common sense Business Practices.  Very misleading inaccurate information!

2:10 Again Kim Pottinger admits they Do NOT ask for proof from any of their Clients (CREDITORS / BANKS) if they are still in fact the rightful owner of the debt.  They just take their word for it.  Very irresponsible Business Practices!

2:16 Kim States “The fact they assigned it here makes it legally their debt to assign.”.  That is one of the most inaccurrate / misleading statements I have ever heard and is simply untrue! 

Again Kim Pottinger is asking the Canadian Borrower and Private Lender to simply take her and D&A Group word for itThis is ridiculous considering this is a commercial transaction.  They are required to produce verifiable proof from the Banks Chartered Accountant the debt in fact still appears on the Accounting Ledgers and has not been sold.

Click Here: Take Action Send A Complaint NOW!

 

4 of 8 Kim Pottinger Illogical Ridiculous Solution!

The following are time stamps of the above recording pin pointing where the Collector Kim Pottinger is stating inaccurate and / or misleading information:

 

0:25 Kim states “if the problem is you do not want to give us the money then pay the card themselves”.  Once again The Private Lender has to state the obvious.  We are not questioning if Walmart Master Card authorized D&A Group to collect, the issue is we are requesting proof of ownership of the debt in order to verify the debt was NOT sold. 

1:37 Kim again states “proof of ownership of the debt is because they appear on her internal paperwork”.  The Canadian Private Lender simply states “No that is not proof”Very inaccurate misleading information!

Click Here: Take Action Send A Complaint NOW!

 

5 of 8 Kim Pottinger Surprises Private Lender With An Unannounced Call To The Canadian Borrower Creating A Three Way Call and it BACK FIRES ON HER!

The following are time stamps of the above recording pin pointing where the Collector Kim Pottinger is stating inaccurate and / or misleading information:

 

0:01 Kim Pottinger calls the Canadian Borrower creating a three way call with The Canadian Private Lender. 

0:28 Kim Pottinger solution is to pay the card directly.  This is ridiculous due to the fact logically how does paying the card directly prove Walmart Master Card did not sell the debt

Very inaccurate misleading information.

0:43 Kim Pottinger clearly admits she is well aware Banks Buy and Sell Debt.  If she is well aware debts are bought and sold then why can she NOT comprehend why The Canadian Private Lender and Borrower would request verifiable proof Walmart Master Card did not sell the debt.  Logically she is making no sense while stating misleading and inaccurate information!

0:48 Again Kim admits if Walmart Master Card and the Collection Company she works for (D&A Group)  is attempting to collect on a debt that was sold means they are breaking the law  (Misrepresentation Of The Facts Leading To Fraud).

1:02 Again Kim Pottinger is making the claim, because the Collection Letter has Walmart Master Card on it as the Creditor this is proof they own the debt.  That is ridiculous and Misleading inaccurate information!

1:21 again she states “because the collection paperwork has Walmart Master Card name on it then they own the debt”.  For Kim Pottinger to continuously retreat to such a ridiculous claim illustrates how weak her argument is.

1:39 The Canadian Borrower asks why can’t Walmart Master Card provide proof?

Kim Pottinger answer proves she  does NOT understand the concept of Verifiable Proof of ownership of the debt.  Again she states because it says Walmart on the internal collection paperwork.  This Is Ridiculous and misleading Inaccurate Information!

2:15 Kim Pottinger states “it would be too difficult for Walmart Master Card to prove” and the Private Lender asks why? She cannot answer the question so resorts back to imply because she has never heard of proof of ownership of the debt that her past experience and policies trumps Canadian Laws and Common sense Business Practices.  Very Misleading Inaccurate Information!

2:30 Again she admits it would be breaking the Law if they are trying to collect on a debt they no longer own.  We Agree 100% with this statement!

2:59 Kim Pottinger clearly admits it is D&A Group Business Practice NOT to request proof the Creditor / Bank owns the debt before they started the collection process. 

Therefore they could be collecting on behalf of the wrong entity which is exactly what is proven to be the case here.

Click Here: Take Action Send A Complaint NOW!

 

6 of 8 Kim Pottinger Caught Misleading The Canadian Borrower With Inaccurate Information!

The following are time stamps of the above recording pin pointing where the Collector Kim Pottinger is stating inaccurate and / or misleading information:

 

0:10 Kim now tells the Canadian Borrower she should call and ask Walmart.  The Canadian Borrower response is I did and Walmart Master Card could not provide proof of ownership of the debt.

:032 Kim answers with well then that is proof they did not sell the debt… That is Crazy!

1:03 Kim Pottinger says desperately “no one bought it!”.  Our response is then simply produce verifiable proof it was not sold! This is simply accomplished by producing a sworn affidavit from a Chartered Accountant stating they viewed the Accounting Ledgers and the debt was not sold.  Very simple for the Bank to produce considering they employ many Chartered Accountants.

1:15 The Private Lender States  “they could have sold the debt and did not inform you”.  This statement stumps her and she has no response so she quickly puts the Canadian Borrower and Private Lender on hold to collect her thoughts and speak to her supervisor. 

This allows The Canadian Private Lender and Borrower to have an amazing discussion illustrating how illogical Kim Pottinger has been through this whole conversation!

1:26  to 2:48 The Canadian Private Lender reiterates an amazing recap of how simple the request for proof of ownership is while waiting for Kim to return to the conversation.

2:52 Kim Pottinger returns to the conversation and admits they cannot provide verifiable proof the debt was not sold but some how insists her position is correct viaBully Tactics

Very Inaccurate Misleading Information!

3:00 to 3:27 the Private Lender gives a stellar explanation of proof of ownership of the debt so Kim just ignores him.

3:49 Kim Pottinger once again illustrates she can’t comprehend the concept of proof of ownership of the debt so she once again implies her past experience and internal policies trumps Canadian Laws and Common sense Business Practices

Very Inaccurate Misleading information!

4:20 Kim simply tries to Bully The Canadian Borrower stating loads of inaccurate misleading information!

Click Here: Take Action Send A Complaint NOW!

 

7 of 8 Kim Pottinger And D&A Group Caught Misrepresentation Of The Facts Leading To FRAUD !

The following are time stamps of the above recording pin pointing where the Collector Kim Pottinger is stating inaccurate and / or misleading information:

 

Kim in the above recording is stating all inaccurate / misleading information on how to get verifiable proof the debt was not sold

At the end of the above conversation Kim Pottinger states very clearly to the Canadian Borrower to check their Credit Report and if Walmart Master Card does NOT appear as the Creditor then The Private Lender has a valid point. 

So We Checked And Walmart Does NOT Appear On The Credit Report But The Creditor They Sold The Debt To Dou Bank Of Canada Does !!!

As Kim Pottinger of D&A Group stated this would be considered Misrepresentation Of The Facts Leading To Fraud!

Click Here: Take Action Send A Complaint NOW!

 

8 of 8 Kim Pottinger And D&A Group 100% Proved Wrong!

The following are time stamps of the above recording pin pointing where the Collector Kim Pottinger is stating inaccurate and / or misleading information:

 

Again Kim states very misleading inaccurate information. 

Keep in mind after the conversation the Borrower checked their Credit Report and Walmart did not appear as Creditor but another lender does!

Kim Pottinger states, “proof of ownership can be verified by looking at the Credit Report”.

We did more investigation on this point.  Equifax Lawyer Stephen Schwartz was very clear that Equifax does NOT Verify if Creditors reporting on Canadian Credit Reports are in fact the rightful owners of the debt.  They just take the Creditors word for it. 

Therefore What Kim Is Saying Is Simply NOT True!

3:00 she says it confirms the debt was not sold because it appears on the collections paperwork.  Again what Kim Pottinger statement is simply NOT TRUE !

 

Click Here: Take Action Send A Complaint NOW!

 

Here is a link to an in depth explanation of how the Canadian Banks Have SOLD YOUR DEBT And Are Not Telling You!

 

To Use The Information Presented In This Blog To Get Out Of Debt Quicker Than You Ever Thought Possible Here Is A LINK Worth Checking Out !

 

Check Out Another Investigation – CLICK HERE – Table Of Contents Of Investigations !