Female Energy Power: From Fear to I M Power
Carol on the right HSBC on the left
I watched and took part in a wonderfully IMpowering transformation today. It was in the RTS Skype room. One eternal essence imbodied went form Panicked FEAR energy to I M Powered and Joyful all while “Playing” with HSBC and their old Fear tactics… I have copied the conversations that went on over a five hour period July 24, 2013 (my time PST, US)
This was an amazing experience for all of us in the room as it happened. And an IMpowering experience for all of Source’s Universe as we are all one and all connected. It all moves us forward with the unfoldment of Absolute Freedom, Absolute Data, Absolute Abundance… BZ
[7/24/2013 1:05:35 PM] Carol MHVolk: EMERGENY — I JUST GOT NOTES FROM MY BANK THEY ARE CLOSING ALL MY ACCOUNT — MORTGAGE, MUTUAL FUNDS AND PERSONAL ACCOUNTS — CAN SOMEONE PHONE ME OR TALK TO ME…………I DON’T KNOW WHAT TO DO???????[7/24/2013 1:07:23 PM] Carol MHVolk: MY HUSBAND IS FREAKING OUT AND WANTS ME TO PHONE THE BANK TO GET IT ALL STRAIGHTENED OUT
[7/24/2013 1:07:34 PM] Carol MHVolk: HELLO???
[7/24/2013 1:08:01 PM] Helen Vita: What do you mean, closing…
[7/24/2013 1:08:04 PM] Woody: Go to your nearest credit union and start a new account, if you must have one.
[7/24/2013 1:08:58 PM] Carol MHVolk: The letters say we have recently reveiwed the accounts as part of out standard procedures. we regreat to inform you that as a result of this reveiw HSBC does not intend to renew the mortgage
[7/24/2013 1:09:09 PM] Carol MHVolk: there is a bunch more
[7/24/2013 1:09:21 PM] Carol MHVolk: too much to type…I would love to be able to talk to someone
[7/24/2013 1:09:47 PM] Dr. Michelle Johnson, ND: HSBC IS THE HEART OF THE BEAST CAROL
[7/24/2013 1:10:06 PM] Carol MHVolk: closing my credit card too which is how I do business with my store and to cut it up
[7/24/2013 1:10:54 PM] Carol MHVolk: my husband wants me to get this straigtened out asap and if means I have to grovel and beg he wants me to
[7/24/2013 1:26:55 PM] Funkyjomedina: Carol, try going into the filings room for advice
[7/24/2013 1:29:06 PM] Funkyjomedina: Also go to scott bartles website. Can someone here get his link, I’m on my phone
[7/24/2013 1:29:28 PM] Dr. Michelle Johnson, ND: Carol, this is too little too late at this point, but when you have your mortgage at the same ‘bank’ as your other accounts, they can do this.
[7/24/2013 1:29:50 PM] Reuben Bailey: So what are they doing with the balances in the mutual funds and personal accounts? are they sending you a chaeck for the balances?
[7/24/2013 1:30:23 PM] Helen Vita: Yes, as soon as I started to question Westpac’s activities, I moved all my accounts to a credit union
[7/24/2013 1:31:03 PM] Helen Vita: If they are closing your mortgage, what are they saying that means?
[7/24/2013 1:33:38 PM] fastwalker 101: you have names and e mail adresses for us?
[7/24/2013 1:34:28 PM] Carol MHVolk: well I asked 4 questions and obviously they can’t answer them so rather than deal with me close all accounts
[7/24/2013 1:36:54 PM] Steph: what mortgage lender are you with Carol? Check your mortgage documents for a “guaranteed right of renewal”…if you are in good standing with the bank…it may protect you from having to pay out the mortgage balance?
[7/24/2013 1:40:19 PM] Carol MHVolk: hsbc
[7/24/2013 1:40:47 PM] Carol MHVolk: reuben they will prob send me money if there is any
[7/24/2013 1:41:04 PM] Carol MHVolk: I NEED TO DO SOMETHING NOW SO I AM GOING TO PHONE THE BANK
[7/24/2013 1:41:25 PM] Funkyjomedina: Did you stop making pmts?
[7/24/2013 1:41:37 PM] Helen Vita: Stop and think for a minute… Stop just for a moment. If the letters have arrived my mail, is there a timeframe mentioned?
[7/24/2013 1:42:31 PM] Carol MHVolk: nope I have never stopped making payments
[7/24/2013 1:43:50 PM] Carol MHVolk: see the whole thing was my mortgage was coming up for renewal so I wanted to do the letter asking these 4 questions: 1. Produce documentation of prior title, ownership and rights to the money allegedly loaned and that it’s free and clear of liens re: the above alleged financial instrument;
2. Produce documentation of the history of the origin of funds that your company purportedly had prior title, ownership and rights to the money allegedly loaned re: the above financial instrument.
History and origin of funds must show at least three [3] generations of the origin of funds;
3. Produce documentation of the actual transaction and transfer of said funds [prior title, ownership, and rights] from loaner to borrower [invoicing/receipts];
4. Produce the wet-ink signature contract where I agreed, under full and complete knowledge, to enter into this alleged contract with this said corporation.
[7/24/2013 1:43:53 PM] Reuben Bailey: Did you send them anything other than the 4 questions?
[7/24/2013 1:43:54 PM] Carol MHVolk: now this
[7/24/2013 1:43:59 PM] Carol MHVolk: nope
[7/24/2013 1:44:18 PM] Carol MHVolk: here is the whole letter I sent
[7/24/2013 1:44:35 PM] Carol MHVolk: It has come to my attention that there may have been some irregularities with the funding of the above referenced financial instrument. In order to address this issue you are requested to provide the following:
1. Produce documentation of prior title, ownership and rights to the money allegedly loaned and that it’s free and clear of liens re: the above alleged financial instrument;
2. Produce documentation of the history of the origin of funds that your company purportedly had prior title, ownership and rights to the money allegedly loaned re: the above financial instrument.
History and origin of funds must show at least three [3] generations of the origin of funds;
3. Produce documentation of the actual transaction and transfer of said funds [prior title, ownership, and rights] from loaner to borrower [invoicing/receipts];
4. Produce the wet-ink signature contract where I agreed, under full and complete knowledge, to enter into this alleged contract with this said corporation.
We expect to see all of the above provided in its original forms to make sure the process is fully lawful and serves the purpose.
A failure to respond will be considered an admission that all of the requested documentation is not available and that all my alleged debts with the former corporation known as HSBC Bank Canada are now paid off.
I would also like to request that the auto-payments for my mortgage be stopped and I will entrust the funds with a third party in escrow (• money or property held conditionally: an amount of money or property granted to somebody but held by a third party and only released after a specific condition has been met).
Please provide the above documents within 72 hours of your receipt of this request.
I conditionally accept this new agreement providing you can show proof of claim as noted above.
Without Prejudice UCC 1-308
Kindest regards,
and a foreclosure flyer
[7/24/2013 1:44:47 PM] Arthur Paul: On what grounds are they not renewing?
[7/24/2013 1:45:09 PM] Arthur Paul: On what grounds are they closing your accounts?
[7/24/2013 1:45:20 PM] Reuben Bailey: When did you send this letter?
[7/24/2013 1:45:22 PM] Arthur Paul: As far as I have been able to gather, you are current on everything.
[7/24/2013 1:46:00 PM] Dr. Michelle Johnson, ND: Arthur, there are no ‘grounds.’ They are HSBC and believe they are GOD. They just don’t like the questions and figure its easier to exert domination and control…and intimidation
[7/24/2013 1:46:15 PM] Carol MHVolk: the just say we have recently reviewed the account(s) as part of out standard procedures. we regret to informyou that as a result of this reveiw hsbc does not intend to renew the mortgage after the expiry of this term — then there is more stuff
[7/24/2013 1:46:40 PM] Steph: does the letter indicate an amount owing for the mortgage Carol?
[7/24/2013 1:46:49 PM] Carol MHVolk: then another one says about the same thing and they will be closing your account effective aug 22
[7/24/2013 1:46:49 PM] Margaret Kocsis: Carol, have you tried to have another account somewhere else?
[7/24/2013 1:47:01 PM] Carol MHVolk: another says we have decided to terminate our relationship
[7/24/2013 1:47:17 PM] Carol MHVolk: there are NOT AMOUNTS showing that I owe money
[7/24/2013 1:47:27 PM] Carol MHVolk: NO AMOUNTS
[7/24/2013 1:47:43 PM] Steph: do you have the physical title to your property Carol?
[7/24/2013 1:47:43 PM] Sunshine: (heart)
[7/24/2013 1:47:58 PM] Steph: the “deed”
[7/24/2013 1:48:07 PM] Terra E Stella: Thanks to Obama’s recent bill signing, all the deposits are now at banks disposal. They own them. You NEVER keep all the accounts in one bank, especially NOT in those crooked large criminal banks.
[7/24/2013 1:48:13 PM] Reuben Bailey: Are they telling you what the balances in the deposit accounts are?
[7/24/2013 1:48:32 PM] Carol MHVolk: Steph — where do I get that????
[7/24/2013 1:48:36 PM] Dr. Michelle Johnson, ND: So, you have time to get the stuff out before Aug 22 Carol?
[7/24/2013 1:48:59 PM] Carol MHVolk: well Aug 3rd is the last mortgage payment of this term
[7/24/2013 1:49:26 PM] Carol MHVolk: they haven’t put any dollar figures on ANY of the letters Reuben
[7/24/2013 1:50:08 PM] Funkyjomedina: Terra, what Bill? Similar to cyprus?
[7/24/2013 1:50:24 PM] Helen Vita: Make an online payment (external transfer) of the remaining credit balances in the accounts to another new account in a new ‘bank’ or to someone you trust, while you sort it out.
[7/24/2013 1:50:28 PM] Steph: do you have a local land registry office near you where you can go and search the title? usually a provincial government kiosk or provincial courthouse…
[7/24/2013 1:50:28 PM] Kathy Kelley: She is NOT an AMERICAN. She is Canadian
[7/24/2013 1:50:38 PM] Terra E Stella: Just take all your money out and transfer. They KNOW they are in doodoo. Nicely, calmly request all your deposits and accounts, whether cash or cashier’s check. For the mutual funds or any long term investments, those need to be transferred between the banks, you don’t get money in your hands. Unless you are taking it out.
[7/24/2013 1:51:04 PM] Steph: Here too Carol, it’s called a “bail-in” it was passed in the 2013 budget….
[7/24/2013 1:51:34 PM] Carol MHVolk: would be nice if I had money to take out — my accounts are always nothing
[7/24/2013 1:51:37 PM] Dr. Michelle Johnson, ND: Mutual funds are hardly worth the paper they are written on. I would take it out personally and then put in into silver or something tangible for the time being.
[7/24/2013 1:51:57 PM] Carol MHVolk: everything with my mortgage comes out of my business account and as of right now they have not closed it
[7/24/2013 1:52:13 PM] Arthur Paul: Are any of the letters sent by live people with a wet ink signature?
[7/24/2013 1:52:40 PM] Carol MHVolk: ok I am going to call a friend — I have to do something soon…my husband will want to know and all I have done so far is chat on here
[7/24/2013 1:52:40 PM] Helen Vita: Are they saying “they will be closing your account effective aug 22”, with no mention of any debt being called in? Hmmm… Are they closing the account or calling in the mortgage?
[7/24/2013 1:53:27 PM] Dr. Michelle Johnson, ND: You are information gathering Carol…that is DOing so you can gather data you need. Good point Helen…
[7/24/2013 1:53:41 PM] Steph: Carol, please point out to him, that THERE IS NO AMOUNT OWING in any of the letters you have received
[7/24/2013 1:55:02 PM] Reuben Bailey: Agreed, Steph.
[7/24/2013 1:55:31 PM | Edited 1:57:28 PM] Helen Vita: There is no ‘demand’ wording on these letters either. What if the message, we are closing your account is … the end of story…
[7/24/2013 1:57:35 PM] Steph: Carol, have you considered the possibility that your actions have resulted in what you intended?
[7/24/2013 1:58:34 PM] Terra E Stella: They are RUNNING! I have NO IRAs, no investments, no accounts with any of them, 0. They all say – oh you will be punished, you’ll have to pay taxes… just give me my money! Taxes and punishment – leave it to ME! First thing is to see if you have any balance. Then, take that out. Done.
[7/24/2013 1:59:14 PM] Terra E Stella: There is always FDIC to call, who is in bed with them anyway. No fear, no panic.
[7/24/2013 2:00:55 PM] Carol MHVolk: does this mean I have no debt???
[7/24/2013 2:01:23 PM] Steph: isn’t that what you intended?
[7/24/2013 2:01:42 PM] Reuben Bailey: It might, at that.
[7/24/2013 2:01:49 PM] Helen Vita: They would have spelt it out to you, if they were going to call in the loan…
[7/24/2013 2:02:02 PM] Reuben Bailey: Are they demading that you pay off the accountj?
[7/24/2013 2:02:19 PM] Terra E Stella: Read the fine print once, two, three times. It’s all in the wording.
[7/24/2013 2:02:52 PM] Carol MHVolk: they have not said I owe money
[7/24/2013 2:03:03 PM] Dr. Michelle Johnson, ND: That would be an excellent response to them Carol. “Thank you for your letter(s) of such and such a date. I am assuming based on your information that I have no further debt with your company. Thank you for your business!”
[7/24/2013 2:03:12 PM] Dr. Michelle Johnson, ND: Your ‘bank’ sorry…
[7/24/2013 2:03:19 PM] Carol MHVolk: I am going to write the exact letter for my mortgage
[7/24/2013 2:04:04 PM] Dr. Michelle Johnson, ND: Good idea…let other sets of eyes dig through it.
[7/24/2013 2:04:22 PM] Carol MHVolk: RE: HSBC numbered account XXX which is my mortgage account
[7/24/2013 2:04:47 PM] Helen Vita: No account balances ‘owing’, ?
[7/24/2013 2:05:13 PM] Terra E Stella: If you legally want to be sure, you write three letters and after the third one, if no answer, they admitted it’s done.
[7/24/2013 2:06:40 PM] Funkyjomedina: Each one within 72 hours right?
[7/24/2013 2:08:24 PM] Carol MHVolk: We have recently reviewed the Account(s) as part of out standard procedures. We regret to inform you that, asa result of this reveiw, HSBC Bank Canada (the “Bank”) does not intend to renew the Mortgage(s) after the expiry of its term.
[7/24/2013 2:08:51 PM] Carol MHVolk: The Bank will allow your Mortgage accoun XXX to remain open until maturity, August 3, 2013, as long as payments on the Mortgage remain up to date.
[7/24/2013 2:09:00 PM] Funkyjomedina: Carol was your mortgage up for renewal in August?
[7/24/2013 2:09:42 PM] Carol MHVolk: We are sorry for the inconveinience this may cause. If you have any questions blah blah blah and phone numbers
[7/24/2013 2:10:08 PM] Carol MHVolk: Yes — it is up for renewal which was why I sent the letter before signing the mortgage renewnal
[7/24/2013 2:10:22 PM] Dr. Michelle Johnson, ND: THey are probably ‘noticing’ you that they are selling your mortgage Carol…
[7/24/2013 2:10:51 PM] Carol MHVolk: WHAT???????????????????????????
[7/24/2013 2:11:35 PM] Margaret Kocsis: Carol, it does not say that after that date it is payable in full.
[7/24/2013 2:11:52 PM] Helen Vita: They are sorry for any inconvenience!! OMG Is it possible a bank would say that? This doesn’t seem like a demand letter.
[7/24/2013 2:12:19 PM] Helen Vita: Selling = ‘re-assignment’ of your loan
[7/24/2013 2:12:21 PM] Carol MHVolk: [Wednesday, July 24, 2013 1:52 PM] Arthur Paul:
<<< Are any of the letters sent by live people with a wet ink signature?THERE IS A SIGNATURE BUT SAYS CUSTOMER REVIEW TEAM
[7/24/2013 2:12:53 PM] Steph: Carol, do you have the original mortgage documents to look over the fine print?
[7/24/2013 2:13:01 PM] Helen Vita: They never tell you when they are selling your loan, as they miss out on the management fees they charge you…
[7/24/2013 2:13:06 PM] Carol MHVolk: [Wednesday, July 24, 2013 2:11 PM] Margaret Kocsis:
<<< Carol, it does not say that after that date it is payable in full.nope
[7/24/2013 2:13:29 PM] Carol MHVolk: I do have the mortgage I signed yes but only OUR signatures of course
[7/24/2013 2:13:32 PM] Reuben Bailey: Mortgages in Canada work a bit differently than in the US. They generally are only for a term of less than 5 years, with a balloon payment and/or some sort of a renewal option. I don’t know all the details, since I am from the states. My wife is from Canada, so I am learning some from trying to understand the one she has…
[7/24/2013 2:13:48 PM] Funkyjomedina: The original docs prob say you need to find a new bank of they decide not to renew
[7/24/2013 2:14:09 PM] Arthur Paul: Just a thought… You might want to consider making the last payment. They may be baiting you to miss so they can put you through their foreclosure process.
Alternatively, you could send them a courtesy notice 😉
[7/24/2013 2:14:13 PM] Carol MHVolk: ARE THEY GOING TO SELL MY HOME?????????????? I want to be calm and just relax but I have so many comments coming in…
[7/24/2013 2:14:41 PM] Carol MHVolk: we will make the last payment — we were never going to stop
[7/24/2013 2:14:44 PM] Dr. Michelle Johnson, ND: But that original probably says after a certain term you have to do such and such…
[7/24/2013 2:14:53 PM] Steph: there is no indication that they are selling your home. I would put that thought right out to the curb
[7/24/2013 2:15:18 PM] Steph: you are “in good standing” with the bank
[7/24/2013 2:15:41 PM] Dr. Michelle Johnson, ND: No, they are going to probably give another ‘lending institution’ the opportunity to ‘service your mortgage.’
[7/24/2013 2:15:52 PM] Steph: they are scared by your letter. Do you know why? Because THEY KNOW YOU ARE RIGHT
[7/24/2013 2:16:24 PM] Funkyjomedina: You can call them and ask them what the next step is
[7/24/2013 2:16:31 PM] Dr. Michelle Johnson, ND: They did that with mine too…I got notice that another ‘lending institution’ had taken over the ‘servicing of my mortgage.’ They do it all the time but don’t tell you they are profiting from it…
[7/24/2013 2:16:48 PM] Margaret Kocsis: Looks like someone doesn’t want to be personally responsible by signing it that way.
[7/24/2013 2:17:23 PM] Dr. Michelle Johnson, ND: They don’t want problem ‘clients’ like us…they don’t want to have to be held to account for their fraud…
[7/24/2013 2:18:13 PM] Steph: In Canada, regulations covering financial institutions are a bit different than in the states btw….especially mortgages
[7/24/2013 2:18:44 PM] Reuben Bailey: What ever they are up to, it will take them some amount of time to process things, so you do have some breathing room.
[7/24/2013 2:19:03 PM] Carol MHVolk: THANKS SO MUCH TO ALL OF YOU FOR TAKING THE TIME TO TALK TO ME HERE — I LOVE YOU ALL AND MY HUSBAND CALLED AND I SAID I HAVEN’T PHONED THE BANK YET…..HE SAID YOU CAN CALL TOMORROW IF YOU WANT CAUSE HE KNOWS I AM TRYING TO GET INFORMATION TO HELP ME
[7/24/2013 2:19:05 PM] Steph: Carol, I have sent you a contact request.
[7/24/2013 2:19:36 PM] Carol MHVolk: I just accepted it
[7/24/2013 2:20:07 PM] fastwalker 101: Yes i think its important to stay calm..
[7/24/2013 2:20:18 PM] Carol MHVolk: I am thinking if they haven’t said you OWE X amount it’s DONE!!!
[7/24/2013 2:20:23 PM] Reuben Bailey: You are most welcome, Carol.
[7/24/2013 2:20:35 PM] fastwalker 101: and get your info first before you act,
[7/24/2013 2:20:39 PM] Reuben Bailey: I’m glad your husband is relaxing a little bit about it.
[7/24/2013 2:20:52 PM] Carol MHVolk: 1 hour ago I was freaking but I am pretty good now
[7/24/2013 2:21:03 PM] fastwalker 101: we re whit you you know
[7/24/2013 2:21:15 PM] nayana: Carol, its really important that you get centred and focussed, no rushed decisions, or actions. i wouldnt make any calls to the bank right now. make a list of what is the most important /pressing things and brainstorm a bit on what are possible solutions.. eg need an account c/card etc etc for your business… so sit and think abotu a few options for that.. like make an appointment to see a credit union or antoehr bank and get that set up.. get it moving. dont tell them about all the stuff with hsbc, simply say you want to change banks.
[7/24/2013 2:22:22 PM] Carol MHVolk: thanks again (heart)
[7/24/2013 2:23:02 PM] fastwalker 101: [Wednesday, July 24, 2013 2:21 PM] Carol MHVolk:
<<< 1 hour ago I was freaking but I am pretty good nowi ve got the feeling this is only going to be better !! (heart)
[7/24/2013 2:23:05 PM] nayana: this is going to be easy enough to do. i had my bank decide to close all my accounts for my business 10 days before xmas, it was a freaky experience, but it all worked out fine.. it will work out fine fro you too.. you jsut got to think clearly and responsibly
[7/24/2013 2:23:11 PM] Carol MHVolk: my credit sucks
[7/24/2013 2:23:22 PM] Reuben Bailey: They depend on their victims, I mean clients, being fearful in order for them to get away with what they do. Coming to them from a place of fear puts them exactly where they want to be. Coming from a place of calm and centeredness puts them off their game.
[7/24/2013 2:24:43 PM] Terra E Stella: Yes, FW (y)
[7/24/2013 2:26:10 PM] nayana: make a list of the things to be done.. so you can clearly see what needs to be done, then its less stresssful … i would suggest no calls to banks, only letters..
[7/24/2013 2:26:55 PM] fastwalker 101: :* to All of you !!
[7/24/2013 2:28:29 PM] Carol MHVolk: thanks
[7/24/2013 2:28:32 PM] fastwalker 101: were all whit you, take a moment of calm and let that energy reach you !
[7/24/2013 2:28:52 PM] fastwalker 101: close your eyes and look behind you… we”re all there !
[7/24/2013 2:30:40 PM] nayana: my thoughts are for the to do list …. open new account for business.. sort out credit card for business.. letter to bank to find out what does this all mean for the mortgage.. i cannot help you with the wording , but i imagine this would need to be a carefully worded letter. you need ot be standing your ground, but being very polite i think.
[7/24/2013 2:31:44 PM] nayana: there are credit card accounts via your mobile phone now.. i know many of the kiosk shops in shoping malls have them… this can be set up in a few days.
[7/24/2013 2:36:07 PM] Dr. Michelle Johnson, ND: Glad you are feeling more calm and and centered…you have time! Take it…
[7/24/2013 2:39:16 PM] Arthur Paul: A thought… rather than “ask” what this means regarding the mortgage, you may want to send a letter asserting your agreement that the mortgate shuld, appropriately be closed due to lack of proof that anything was lent – something to the effect of, “I received your letter… yes, it is appropriate to close my mortgate due to the fact that the bank cannot produce evidence of prior title or rights of ownership that was requested in my letter dated dd/mm/yyyy. Please provide a document that indicates that there is no longer an account and associated account balance.”
[7/24/2013 2:43:42 PM] BZ Riger: (*) https://i-uv.com/kimberly-hagstrom-student-loan-remedy-template/
[7/24/2013 2:46:15 PM] Joseph: whats wrong with them closing your accounts?
[7/24/2013 2:46:36 PM] Joseph: providing they send you any outstanding balances
[7/24/2013 2:48:30 PM] Dr. Michelle Johnson, ND: I’ll check back in with you Carol after I finish my work for the day. I LOVE YOU CAROL. We ALL DO!
[7/24/2013 2:48:41 PM] Dr. Michelle Johnson, ND: (heart) (heart) (heart)
[7/24/2013 2:48:49 PM] Reuben Bailey: Nice article! Thanks for the link, BZ!
[7/24/2013 2:49:21 PM] Funkyjomedina: I like your approach Arthur
[7/24/2013 2:49:51 PM] Reuben Bailey: Carol, even though you are not dealing with student debt, I recommend a quick read through the article BZ just linked to.
[7/24/2013 2:49:51 PM] Pete Lysohirka: [Wednesday, July 24, 2013 1:46 PM] Carol MHVolk:
<<< then another one says about the same thing and they will be closing your account effective aug 22They know the banks will be repurposed by then! That is a month away
[7/24/2013 2:50:12 PM] Reuben Bailey: Remember the energetics of all of this, and focus your energy on the outcome you want.
[7/24/2013 2:53:12 PM] Reuben Bailey: Going to make supper. I will check back in a while. (hug)
[7/24/2013 2:55:22 PM] Carol MHVolk: My husband just called and is calm now too — thanks for sending me all your love and support — I have some things I am going to do now…
[7/24/2013 2:55:59 PM] Carol MHVolk: WOO HOO I FEEL GOOD AND THIS WILL ALL PLAY OUT LIKE IT IS SUPPOSED TO AND I DON’T HAVE ANYMORE DEBT!!!!!!!!!
[7/24/2013 3:00:37 PM] kiwirob2013: GO Carol! This is your time to shine- No it’s not comfortable………but the rewards…….. (y)(heart)
[7/24/2013 3:01:24 PM] Nicole Matthews: (y) (flex) (heart) Carol!
[7/24/2013 3:02:40 PM] fastwalker 101: GO CAROL GO !!!
[7/24/2013 3:03:01 PM] fastwalker 101: \o/(flex)\o/
[7/24/2013 3:07:07 PM] Carol MHVolk: OK so I just looked over my existing mortgage docs and I was looking for a Guaranteed Right of Renewal Clause but I do not see one
[7/24/2013 3:09:07 PM] Carol MHVolk: I talked to Steph and she said to write them back asking these questions: What is their schedule of standard procedures? What were they reveiwing? Why did this happen? What was the criteria? I have never been in default and I am in good standing…I have been with this bank for OVER 20 years
[7/24/2013 3:09:46 PM] Carol MHVolk: I am going to get a copy of the title of my property tomorrow
[7/24/2013 3:10:00 PM] fastwalker 101: there is a ucc filling that secured all property.. i cannot find it right now..
[7/24/2013 3:10:40 PM] Carol MHVolk: There is a clause tjat says Renewal and I am going to type this out ok
[7/24/2013 3:10:50 PM] fastwalker 101: take your time in gathering info..
[7/24/2013 3:10:54 PM] fastwalker 101: they think your verry verry smart..
[7/24/2013 3:10:59 PM] fastwalker 101: let them keep on thinking that
[7/24/2013 3:12:23 PM] fastwalker 101: take your time and IN joy !
[7/24/2013 3:13:00 PM] fastwalker 101: i think this is part of the FUN that heatherspeaks about
[7/24/2013 3:14:17 PM] Carol MHVolk: At the maturity date of your mortgage loan, we may, at our option, offer to renew your mortgage loan for another term at a mortgage rate and other terms agreed to by us. IF WE DO NOT OFFER TO RENEW YOUR MORTGAGE LOAN YOU WILL BE REQUIRED TO REPAY YOUR MORTGAGE LOAN IN FULL. We will notify you whether or not we intend to renew your mortgage loan in the manner required by applicable law. If we do offer to renew your mortgage loan and you do not accept our offer by the maturity date of your mortgage loan we may, at our option, renew your mortgage loans as follows: then they give some options ————–soooo based on the capital sentence what do you think? They have NOT said anything in the letter about re-payment???
[7/24/2013 3:15:24 PM] Carol MHVolk: I wish Heather would come on here and read this stuff…
[7/24/2013 3:18:19 PM] Carol MHVolk: What is the applicable law they are referring to?
[7/24/2013 3:20:19 PM] Arthur Paul: “I agree that the mortgage will not be renewed due to the fact that HSBC has not provided evidence that it had title, rights, or ownership of that which HSBC allegedly lent me as requested in my letter dated dd/mm/yyyy. Please provide a statement indicating that the account was closed and that there is a zero balance. Thank you.”
[7/24/2013 3:21:15 PM] Reuben Bailey: That is my take as well, Art.
[7/24/2013 3:22:05 PM] Carol MHVolk: so I should add that to my letter or JUST thank Arthur?
[7/24/2013 3:22:21 PM] Carol MHVolk: sorry just that
[7/24/2013 3:22:21 PM] Reuben Bailey: The caps sentence you wrote assumes that there is a valid loan, which they have failed to prove that there is.
[7/24/2013 3:22:30 PM] BZ Riger: Carol, in the end of your letter you tied their hands
[7/24/2013 3:22:34 PM | Edited 3:25:18 PM] BZ Riger: >> A failure to respond will be considered an admission that all of the requested documentation is not available
and that all my alleged debts with the former corporation known as HSBC Bank Canada are now paid off.
[7/24/2013 3:22:51 PM] Carol MHVolk: Arthur — did you read the sentence above? what is this going to do
[7/24/2013 3:23:12 PM] BZ Riger: they had to respnd and could not provide what you asked for… so instead they went with a strategy that they hoped would have you go into fear
[7/24/2013 3:23:44 PM] Carol MHVolk: I was in fear but not anymore!
[7/24/2013 3:24:00 PM] BZ Riger: you are not doing that you are standing in your power and taking the next steps. Beautiful Being and doing (sun)
[7/24/2013 3:24:15 PM] Arthur Paul: That statement assumes that there was a mortgage loan to begin with. We all know that there wasn’t.
[7/24/2013 3:24:31 PM] Carol MHVolk: ohhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhh good one Rueben
[7/24/2013 3:24:54 PM] Arthur Paul: They can’t prove rights, title, or ownership to that which they allege they lent you.
[7/24/2013 3:26:03 PM] Carol MHVolk: so when I get my letter done up can I post it here for you guys to review for me? it could then be something we use down the road for others perhaps?
[7/24/2013 3:26:40 PM] fastwalker 101: yes , be calm, collect your evidence and make a peace of art out of it !
[7/24/2013 3:26:43 PM] Arthur Paul: That sounds like a good idea.
[7/24/2013 3:27:23 PM] BZ Riger: when you are done Carol would love to have a copy for the I UV site and also have you put it in as a freedom story…
Just the moving from fear to standing in your power is an excellent Freedom Story to share
[7/24/2013 3:27:48 PM] Carol MHVolk: woot woot — with all you wonderful BEings I am sure it will be a MASTERPIECE!!!!!!!!!!!!!!
[7/24/2013 3:28:41 PM] Carol MHVolk: OK – going to do my draft…
[7/24/2013 3:29:02 PM | Removed 3:36:28 PM] fastwalker 101: This message has been removed.
[7/24/2013 3:31:31 PM | Removed 3:36:40 PM] fastwalker 101: This message has been removed.
[7/24/2013 3:33:12 PM | Removed 3:36:56 PM] fastwalker 101: This message has been removed.
[7/24/2013 3:37:02 PM] Carol MHVolk: I missed what you wrote Fastwalker
[7/24/2013 3:38:15 PM] Cherie and Martin: fastwalker is a fast deleter (chuckle)
[7/24/2013 3:38:41 PM] Cherie and Martin: Just wanted to wish you well Carol and to say I really admire you and what you are DO’ing with HSBC. You go girl. (highfive)
[7/24/2013 3:38:59 PM] Kathy Kelley: I got carried away feeling rage and frustration on behalf of you Carol, it gets to me when I see decent people being victimized by the banking system. Processing it as I am not fond of feeling those emotions
[7/24/2013 3:39:26 PM] fastwalker 101: i almost bever delete but i thought it was to silly..
[7/24/2013 3:40:15 PM] Kathy Kelley: Big ole red black and infection green thing pfffft
[7/24/2013 3:40:23 PM] fastwalker 101: and create a letter that still wet your pens ( this IS the PEE room isnt it ?) when your 80 !!
[7/24/2013 3:40:57 PM] fastwalker 101: so much FUN !!
[7/24/2013 3:41:25 PM] fastwalker 101: test for my short term memorie !!
[7/24/2013 3:41:36 PM] fastwalker 101: love you all (heart)!!
[7/24/2013 3:42:12 PM] fastwalker 101: GO CAROL GO ! \o/(flex)\o/
[7/24/2013 3:45:29 PM] fastwalker 101: and now im off to bed ( europian time line ) have a wonderfull INspiring day, all of you !
[7/24/2013 3:45:40 PM] fastwalker 101: (heart)
[7/24/2013 3:46:20 PM] Carol MHVolk: OK I have my first draft done…can I copy and paste it? I know I will need to tweak it and would love to add more if you guys think I should……..
[7/24/2013 3:46:48 PM] Carol MHVolk: thanks fastwalker
[7/24/2013 3:48:08 PM] fastwalker 101: :*
[7/24/2013 3:48:25 PM] D Breakingthesilence: hey carol- I’m still 146 messages behind- but this is what I would do- my personal opinion, that’s it:
I would tell them that as they have not proven that they loaned a single penny to you, you expect payment back of every dollar you’ve sent them for fraudulent mortgage payments, and on the credit card. also you can tell them that you do not consent to them closing your bank accounts and you will be charging them a fee of $xxxx to cover the costs of time and inconvenience, please include this amount with the mortgage and credit card money they owe you. In cash please and thank you.
[7/24/2013 3:48:35 PM] Carol MHVolk: I agree that the mortgage will not be renewed due to the fact that HSBC has not provided evidence that it had title, rights, or ownership of that which HSBC allegedly lent me as requested in my letter dated July 13, 2013. Here is what I requested is below:
It has come to our attention that there may have been some irregularities with the funding of the above referenced financial instrument. In order to address this issue you are requested to provide the following:
1. Produce documentation of prior title, ownership and rights to the money allegedly loaned and that it’s free and clear of liens re: the above alleged financial instrument;
2. Produce documentation of the history of the origin of funds that your company purportedly had prior title, ownership and rights to the money allegedly loaned re: the above financial instrument.
History and origin of funds must show at least three [3] generations of the origin of funds;
3. Produce documentation of the actual transaction and transfer of said funds [prior title, ownership, and rights] from loaner to borrower [invoicing/receipts];
4. Produce the wet-ink signature contract where I agreed, under full and complete knowledge, to enter into this alleged contract with this said corporation.
We expect to see all of the above provided in its original forms to make sure the process is fully lawful and serves the purpose.
A failure to respond will be considered an admission that all of the requested documentation is not available and that all my alleged debts with the former corporation known as HSBC Bank Canada are now paid off.
Please provide a statement indicating that the account was closed and that there is a zero balance.
We would also like to ask these questions below:
1. Do you have a schedule for your standard procedures?
2. Why would you have to do a review on my account(s)?
3. What were you reviewing?
4. Who performed the review?
5. What was the criteria used for your decision(s)?
We are in good standing with HSBC Bank Canada and have never been in default on our mortgage. We have also been a customer for over 20 years.
Without Prejudice UCC 1-308
[7/24/2013 3:49:14 PM] D Breakingthesilence: [Wednesday, July 24, 2013 1:57 PM] Steph:
<<< Carol, have you considered the possibility that your actions have resulted in what you intended?that was goign to be my very next point:D
[7/24/2013 3:49:52 PM] fastwalker 101: you know every sentende you write is like a ” cliffhanger” its almost inpossible to get out this room now.. THANKS carol!!
[7/24/2013 3:50:26 PM] Carol MHVolk: wow wow wow D — SERIOUSLY!!!!!!!!!!!!!!!!
[7/24/2013 3:50:52 PM] D Breakingthesilence: I also might respond (again this is just my personal opinion) in a letter to them thanking them for their services and that you’re glad that they have realized that they do not own your house and that they do not have any standing over you and that you do not owe them anything further for either the fraudlent morgage nor the credit card.
[7/24/2013 3:51:42 PM] Steph: Carol, well done. In your first letter, perhaps focus on the fact that they did not provide evidence of a lawful loan, and therefore you agree to closing the mortgage account provided the balance is wiped clean.
[7/24/2013 3:51:56 PM] D Breakingthesilence: [Wednesday, July 24, 2013 2:03 PM] Dr. Michelle Johnson, ND:
<<< That would be an excellent response to them Carol. “Thank you for your letter(s) of such and such a date. I am assuming based on your information that I have no further debt with your company. Thank you for your business!”except that I wouldn’t use the word debt- there IS no debt!!
[7/24/2013 3:52:28 PM] Carol MHVolk: HA HA HA I AM LAUGHING OUT LOUD………..they will be hanging from the cliff Fastwalker
[7/24/2013 3:53:50 PM] Fred & Debbie: Wow Carol. A hero has arisen from the herd. (y) I hope all goes as it should and I am sure we all look forward to the next response from the bank. (inlove) [7/24/2013 3:54:47 PM] Carol MHVolk: yupsters — I have time to play this out [7/24/2013 3:55:07 PM] Carol MHVolk: ok I am doing letter # 2 and will post here again……..it will help others…
[7/24/2013 3:55:59 PM] Steph: Carol, you already have 🙂
[7/24/2013 3:56:12 PM] fastwalker 101: [Wednesday, July 24, 2013 3:53 PM] Steph:
<<< HSBC has fallen over the cliff….they are begging for a life line.Yes ! and youre the one that MIGHT MIGHT MIGHT be helping them out .. if youre willing to consider deposit yust a tiny little part of YOUR value in their former bank..
[7/24/2013 3:57:42 PM] fastwalker 101: take your time ! its gonna be wonderful ![7/24/2013 3:58:16 PM] Kathy Kelley: This has gone from a panic attack to empowerment BRAVO (clap) Go Carol Go!
[7/24/2013 3:59:27 PM] Fred & Debbie: Cars are very important too Barb. Some people actually become very attached to their heap of metal. (heart)
[7/24/2013 3:59:46 PM] fastwalker 101: see ya ! in the NEXT episode of… did you do your bank today ?? whit this time..our special (*) guest.. CAROL !!
[7/24/2013 4:00:00 PM | Edited 4:07:13 PM] BZ Riger: Carol in I M Power BravaDOing and creating her stand in Freedom!
[7/24/2013 4:00:51 PM] fastwalker 101: .. and carol..?. how do you feel today ??
[7/24/2013 4:00:52 PM] Fred & Debbie: Go Carol!
[7/24/2013 4:01:02 PM] BZ Riger: hahaha Fastwalker
[7/24/2013 4:02:24 PM] Kathy Kelley: (clap) (inlove) (clap) Lookout HSBC….here comes Carol ]:)
[7/24/2013 4:02:57 PM] BZ Riger: yup instead of now that you have won the superbowl…. Carol, now that you have done your Bank, where are you going!
[7/24/2013 4:03:06 PM] fastwalker 101: and she is not alone !!
[7/24/2013 4:03:14 PM] BZ Riger: instead of Disneyland… Nova Earth
[7/24/2013 4:03:26 PM] Reuben Bailey: God, I love the poeple in this room!
[7/24/2013 4:03:34 PM] Reuben Bailey: Go Carol!!!
[7/24/2013 4:03:47 PM] Reuben Bailey: This has gotten me thinking about how to tackle my own situation…
[7/24/2013 4:03:47 PM] Kathy Kelley: (y) BZ
[7/24/2013 4:04:12 PM] Reuben Bailey: Excuse me, Beings and Beacons Of Light…
[7/24/2013 4:05:08 PM] Reuben Bailey: (heart)(heart)(heart)
[7/24/2013 4:06:13 PM] fastwalker 101: relax! you”re gonna be on the show tomorrow!
[7/24/2013 4:07:01 PM] Kathy Kelley: (heart) IFLAYBOL (heart)
[7/24/2013 4:08:04 PM] fastwalker 101: (music)IFLAYBOL (music)
[7/24/2013 4:09:09 PM] Carol MHVolk: I know Steph I did version 1 and then D gave me more things to say…
[7/24/2013 4:09:26 PM] BZ Riger: (music)(heart)(music) … IFLAYBOL … (music)(heart)(music)
[7/24/2013 4:09:34 PM] Carol MHVolk: not sure if hubby will agree but I have copied and pasted all the comments here for hime to read
[7/24/2013 4:10:45 PM] fastwalker 101: (music) that makes my heart sing (music)
[7/24/2013 4:12:31 PM] Elizabeth van Dreunen: (heart)IFLAYBOL (heart) and wow Carol.. Fast turn around sister (clap) and it is going to get faster and faster for all of us. Rise up, rise up wooooohoooo (music)(music)\o/(music)(music)
[7/24/2013 4:12:32 PM] Carol MHVolk: OK here is version 2 [7/24/2013 4:12:45 PM] Carol MHVolk: Thank you for your letter(s) dated July 22, 2013. Since you have not proven that you loaned us a single penny, we expect payment back of every dollar we`ve sent you for fraudulent mortgage payments, and on my credit card. We do not consent to you closing our bank accounts and will be charging you a fee of $25,000 to cover the costs of time and inconvenience you have caused us, please include this amount with the mortgage and credit card money you owe us. In cash please and thank you!
I agree that the mortgage will not be renewed due to the fact that HSBC Bank Canada has not provided evidence that it had title, rights, or ownership of that which HSBC Bank Canada allegedly lent me as requested in my letter dated July 13, 2013. What I requested is below:
“It has come to my attention that there may have been some irregularities with the funding of the above referenced financial instrument. In order to address this issue you are requested to provide the following:
1. Produce documentation of prior title, ownership and rights to the money allegedly loaned and that it’s free and clear of liens re: the above alleged financial instrument;
2. Produce documentation of the history of the origin of funds that your company purportedly had prior title, ownership and rights to the money allegedly loaned re: the above financial instrument.
History and origin of funds must show at least three [3] generations of the origin of funds;
3. Produce documentation of the actual transaction and transfer of said funds [prior title, ownership, and rights] from loaner to borrower [invoicing/receipts];
4. Produce the wet-ink signature contract where I agreed, under full and complete knowledge, to enter into this alleged contract with this said corporation.
We expect to see all of the above provided in its original forms to make sure the process is fully lawful and serves the purpose.
A failure to respond will be considered an admission that all of the requested documentation is not available and that all my alleged debts with the former corporation known as HSBC Bank Canada are now paid off.“
Thank you for your services and we are glad that you`ve realized that you do not own our house and that you do not have any standing over us and that we do not owe you anything further for either the fraudulent mortgage nor the credit card.
Thank you for your business!
Without Prejudice UCC 1-308
Kindest regards,
Carol Volk and Roderick Volk
PS Please provide a statement indicating that the mortgage account was closed and that there is a zero balance.
Enclosed: Title to Property
[7/24/2013 4:14:04 PM] Fred & Debbie: Carol, just go easy on hubby. (heart)
[7/24/2013 4:15:37 PM] Carol MHVolk: I know Debbie — I will, I ma just going to show him what I came up with from all of you and what you have all said to me…
[7/24/2013 4:16:33 PM] Carol MHVolk: he may say NO to the whole letter but when he called me earlier he did say to me was there an amount owing on the document and I said no…
[7/24/2013 4:19:33 PM] Kathy Kelley: Steph (y)
[7/24/2013 4:20:55 PM] fastwalker 101: take youre time ! its gonna be perfect! and now im really off.. love you all !! see ya tomorrow.. on the next episode of…
[7/24/2013 4:21:46 PM] fastwalker 101: DID YOU DO YOUR BANK TODAY !?! (rofl)
[7/24/2013 4:22:17 PM] Kathy Kelley: http://gaiaportal.wordpress.com/2013/07/24/steeled-resolution-from-the-higher-heart-is-called-upon-at-this-time/
[7/24/2013 4:24:13 PM] Terra E Stella: LOL, Fastwalker!
[7/24/2013 4:24:23 PM] Carol MHVolk: LOL
[7/24/2013 4:24:24 PM | Edited 4:25:46 PM] DanielW: Carol, we’re all very proud of you. You came into this knowledge fairly recently as did Kiri and I have to say the women folk are showing us men what courage is all about.
You did what you did because that is what you intended and that is bravery at it’s most noble.
You go girl! (heart)(y)
[7/24/2013 4:24:51 PM] Carol MHVolk: ok I think this one is the best — version 3 — sorry for posting it so many times but MAN OH MAN AM I HAPPY YOU GUYS ARE HERE XOXOXOXOXXOXOXO
[7/24/2013 4:24:59 PM] Carol MHVolk: Thank you for your letter(s) dated July 22, 2013. Since you have not proven that you loaned us a single penny, we expect payment back of every dollar we`ve sent you for fraudulent mortgage payments, and on my credit card. We do not consent to you closing our bank accounts and will be charging you a fee of $25,000 to cover the costs of time and inconvenience you have caused us, please include this amount with the mortgage and credit card money you owe us. In cash please and thank you!
I agree that the mortgage will not be renewed due to the fact that HSBC Bank Canada has not provided evidence that it had title, rights, or ownership of that which HSBC Bank Canada allegedly lent me as requested in my letter dated July 13, 2013. What I requested is below:
“It has come to my attention that there may have been some irregularities with the funding of the above referenced financial instrument. In order to address this issue you are requested to provide the following:
1. Produce documentation of prior title, ownership and rights to the money allegedly loaned and that it’s free and clear of liens re: the above alleged financial instrument;
2. Produce documentation of the history of the origin of funds that your company purportedly had prior title, ownership and rights to the money allegedly loaned re: the above financial instrument.
History and origin of funds must show at least three [3] generations of the origin of funds;
3. Produce documentation of the actual transaction and transfer of said funds [prior title, ownership, and rights] from loaner to borrower [invoicing/receipts];
4. Produce the wet-ink signature contract where I agreed, under full and complete knowledge, to enter into this alleged contract with this said corporation.
We expect to see all of the above provided in its original forms to make sure the process is fully lawful and serves the purpose.
A failure to respond will be considered an admission that all of the requested documentation is not available and that all my alleged debts with the former corporation known as HSBC Bank Canada are now paid off.
We expect to see all of the above provided in its original forms to make sure the process is fully lawful and serves the purpose.
A failure to respond will be considered an admission that all of the requested documentation is not available and that all my alleged debts with the former corporation known as HSBC Bank Canada are now paid off.
Please provide the above documents within 72 hours of your receipt of this request.“
Failure of HSBC Bank Canada to respond within 72 hours with clarification and documentation addressing the four points above constitute admission that the purported loan was fraudulent.
Thank you for your services and we are glad that you`ve realized that you do not own our house and that you do not have any standing over us and that we do not owe you anything further for either the fraudulent mortgage nor the credit card.
Thank you for your business!
Without Prejudice UCC 1-308
Kindest regards,
[7/24/2013 4:25:24 PM] Terra E Stella: I was so in the matter that I FORGOT to call my banker today! From computer straight to the kitchen making dinner and I completely forgot!
[7/24/2013 4:26:23 PM] Kathy Kelley: Send it registered
[7/24/2013 4:26:58 PM] Kathy Kelley: They are definitely forgettable Terra
[7/24/2013 4:28:04 PM] Carol MHVolk: [Wednesday, July 24, 2013 4:24 PM] DanielW:
<<< Carol, we’re all very proud of you. You came into this knowledge fairly recently as did Kiri and I have to say the women folk are showing us men what courage is all about.
You did what you did because that is what you intended and that is bravery at it’s most noble.
You go girl! (heart)(y)thanks — now to get my hubby empowered too
[7/24/2013 4:29:26 PM] Carol MHVolk: sorry you missed doing that Terra (hug)
[7/24/2013 4:33:04 PM] Kathy Kelley: Beautiful Carol
[7/24/2013 4:40:13 PM] Carol MHVolk: Thanks…
[7/24/2013 4:41:04 PM] Carol MHVolk: I know I shouldn’t even put this out there but it has crossed my mind……….could a letter like this put me in jail??? sorry I have to ask…
[7/24/2013 4:41:48 PM] Terra E Stella: LOL, the guy was on vacation and now he’s back I can’t catch him. He won’t run away from me. The bank is about 4-5b blocks away from my house. Face to face is priceless.
[7/24/2013 4:42:35 PM] Joseph: Carrol nice work STANDING (heart) just gotta believe 🙂
[7/24/2013 4:42:45 PM] Kathy Kelley: (highfive) (rofl) Terra (y)
[7/24/2013 4:42:46 PM] Terra E Stella: Carol, you haven’t done anything wrong! Nope!
[7/24/2013 4:43:19 PM] Carol MHVolk: ok good to know
[7/24/2013 4:43:34 PM] Carol MHVolk: all I did was ask some questions………….and look what freaking happened
[7/24/2013 4:43:50 PM | Edited 4:44:24 PM] Fred & Debbie: You will not go to jail Carol, not for this as it is a Civil matter. All contracts are civil which equals equity court, not criminal which is an Admiratly Court under Admiralty law.
[7/24/2013 4:44:52 PM] Terra E Stella: Right, Fred…. it’s a commercial court in the end.
[7/24/2013 4:45:04 PM] Fred & Debbie: Carol it is your questions that will prove the fraud on the bank. This is the right thing to do. (inlove) We are all learning from this – BIG TIME!
[7/24/2013 4:46:04 PM] DanielW: [Wednesday, July 24, 2013 4:28 PM] Carol MHVolk:
<<< thanks — now to get my hubby empowered tooNo, thank you Carol. You’re positive attitude is a something we all can benefit from and you are an inspiration to us all (highfive)
[7/24/2013 4:46:20 PM] Fred & Debbie: Terra – it is mostly Debbie but that is fine. Fred just stays in the background.
[7/24/2013 4:47:05 PM] Joseph: maybe throw a bit of fear into them, after 72 hr period has passed your acquiesence shall thrust upon you Federal Claim and lawsuit seeking minimum of triple damages and or 1$ for every second your fraud was induced upon myself
[7/24/2013 4:47:47 PM] Joseph: then go beat em up in court LOL
[7/24/2013 4:53:13 PM] Joseph: i think if we learn to file claims properly with strong case verified evidence against each and every asshat whom has brought forth this will KILL the beast in their own game. Common Law will consume their very essence from existance
[7/24/2013 4:54:34 PM] Carol MHVolk: well you know where I will be coming for help everyone — I DON’T THINK I EVER WROTE THIS (heart)IFLAYBOL (heart) I TOTALLY GET IT NOW…………..
[7/24/2013 4:55:28 PM] Fred & Debbie: (rofl)
[7/24/2013 4:57:00 PM] Pete Lysohirka: [Wednesday, July 24, 2013 4:40 PM] Carol MHVolk:
<<< Thanks…
I know I shouldn’t even put this out there but it has crossed my mind……….could a letter like this put me in jail??? sorry I have to ask…Only if you consent to going to Jail. They cannot touch you! YOU ARE IMPOWERED!! I M POWER (flex)
[7/24/2013 4:57:06 PM] Keimpe de Jong: (heart) Carol, let me know what hubby thinks of your letter
[7/24/2013 4:57:31 PM] Carol MHVolk: WOOT WOOT
[7/24/2013 4:57:48 PM] Carol MHVolk: I will be on tonight for sure chatting you guys up!!!
[7/24/2013 4:58:28 PM] Pete Lysohirka: \o/(music)\o/(music)(heart) IFLAYBOL (heart)(music)\o/(music)\o/
[7/24/2013 4:58:59 PM] Carol MHVolk: holy crap I took up so much of everyone’s time however — I do believe this is going to be a BIG piece to move us forward……..what I can’t believe is in the mortgage letter they have NOT said I owe them a dime……….
[7/24/2013 5:02:17 PM] Jodie Newell: Great job, Kim, on the student loan documents!!!
[7/24/2013 5:02:28 PM] Reuben Bailey: Yes, I believe this is will help many others move forward with their own matters.
[7/24/2013 5:05:39 PM | Edited 5:05:53 PM] Terra E Stella: Kim, love your documents! I am so proud of all IMpowered people! It is the intention, in respect and love. Imagine THIS X millions, if just a ‘handful’ of us can make such rip currents! (bow) [7/24/2013 5:09:17 PM] Carol MHVolk: OK — going home in a bit………will be back on later tonight…thanks again everyone XOXOX [7/24/2013 5:20:51 PM] Jodie Newell: Great job, Carol! Whew! That was quite something, reading all that has happened with you today. Nice job with feeling the fear/anxiety, moving out of it and into your POWER!!! (flex) [7/24/2013 5:57:28 PM] Dr. Michelle Johnson, ND: Carol, I just got back and have been reviewing what has transpired since I left. IFLUBOL (heart) (heart). Now you know why we are saying that, because it really is the only way to express it! I am so beyond proud of the shift you made in here today…and we all learned from the process too so we can have more tools in our arsenal! I am affirming that this is precedent setting for all of us. It would be awesome if we all affirmed the same thing my fellow BOL’s!!!
[7/24/2013 5:58:48 PM] Dr. Michelle Johnson, ND: Thanks for posting that Thomas…that is amazing! She is amazing!
[7/24/2013 6:28:26 PM] BZ Riger: Carol great version 3, just check you have this para twice
> A failure to respond will be considered an admission that all of the requested documentation is not available and that all my alleged debts with the former corporation known as HSBC Bank Canada are now paid off.
[7/24/2013 6:32:20 PM] Dr. Michelle Johnson, ND: Excellent point BZ…wanna be sure they are well aware of that…full transparency doubled up!
[7/24/2013 6:33:46 PM] Reuben Bailey: It looks to me like she got the whole bottom section twice in what she posted here…
[7/24/2013 6:34:03 PM] Carol MHVolk: ok I am back
[7/24/2013 6:35:41 PM] Carol MHVolk: [Wednesday, July 24, 2013 5:20 PM] Jodie Newell:
<<< Great job, Carol! Whew! That was quite something, reading all that has happened with you today. Nice job with feeling the fear/anxiety, moving out of it and into your POWER!!! (flex)ya I pretty much took over the room today but man I feel good about it
[7/24/2013 6:37:33 PM] Pete Lysohirka: (flex)(heart)
[7/24/2013 6:38:54 PM] Morpheus BEing: I thought damages were 5-7 times the amount?
[7/24/2013 6:39:30 PM] Carol MHVolk: thanks Michelle and BZ…it isn’t my final version
[7/24/2013 6:40:45 PM] Carol MHVolk: when I got home my husband was sitting on the deck having a beer (or a few) and said he knows everything will be ok — read the letter and said take out the credit card part and I said I would be tweaking it again — I just gave him a great big hug and said I was sorry that this happened but that we have to both stand in our power and follow through — I read him a bunch of the stuff you guys wrote too
[7/24/2013 6:41:34 PM] Carol MHVolk: said I love you so much and we will make things all work out
[7/24/2013 6:55:44 PM] Carol MHVolk: hey where did everyone go? (bandit)
[7/24/2013 6:56:23 PM | Edited 6:56:44 PM] Helen Vita: All the energy is still here with you 🙂
[7/24/2013 7:00:17 PM] Carol MHVolk: lol thanks Helen
[7/24/2013 7:01:11 PM] DanielW: We’re not far away Carol (hug)
[7/24/2013 7:04:10 PM] DanielW: And your welcome
[7/24/2013 7:04:26 PM] Arthur Paul: You will also want to keep a very concise log of facts.
“On 24 July 2013 I received a letter dated 20 July 2013 purporting to be termination of accounts”.
[7/24/2013 7:04:55 PM] Carol MHVolk: yup — I am going to attach the letter[7/24/2013 7:05:08 PM] Arthur Paul: On 22 June 2013 I sent a letter asking for points 1-4 regarding rights, title, and ownership of that which was allegely lent…
[7/24/2013 7:05:13 PM] Carol MHVolk: and keep it all in order
[7/24/2013 7:05:46 PM] Arthur Paul: The log of facts will become your declaration of facts which will be handy when things escalate.
[7/24/2013 7:05:58 PM] Arthur Paul: yep
[7/24/2013 7:06:37 PM] Carol MHVolk: should I go to another bank to take out a mortgage???
[7/24/2013 7:09:23 PM] Helen Vita: i don’t think so …
[7/24/2013 7:22:14 PM] Reuben Bailey: You have the option to, if you would prefer that route. However, that would be defeating the purpose of getting rid of the mortgage.
[7/24/2013 7:23:15 PM] Reuben Bailey: That other mortgage would be no more of a loan than this one, but you would have to start the whole process of challenging it over again.
[7/24/2013 7:23:54 PM] Carol MHVolk: yup — so if they didn’t say I owed money back in the letter I got today and I follow-up with mine before this current term is up…I think I have them by the short and curly’s you think?
[7/24/2013 7:26:55 PM] Reuben Bailey: Well, you have them in an uncomfortable spot, to be sure. Whether it is resolved by the end of the current term is of little consequence at this point.
[7/24/2013 7:27:03 PM] Carol MHVolk: I don’t want to get another mortgage…
[7/24/2013 7:27:40 PM] Reuben Bailey: I don’t know if the lack of a balance due on this letter means anything or not.
[7/24/2013 7:28:18 PM] Kim Hagstrom: hey everyone, just wanted to pop in and say great job Carol, i sent you a pm to add me as a contact, i have sent you a link that was posted on the i uv today…here it is again, i was sending out a courtesy notice so i wrote up a qualified written statement to go along with, maybe you could get some ideas from it, although it sounds like you are on FIRE…love you all so much (inlove)(heart)
[7/24/2013 7:28:28 PM] Kim Hagstrom: https://i-uv.com/kimberly-hagstrom-student-loan-remedy-template/ here is the template from abouve
[7/24/2013 7:28:28 PM] Carol MHVolk: Neither do I and I don’t like to put stuff out there when it isn’t positive however, I thought perhaps they may send another letter………. [7/24/2013 7:29:07 PM] Carol MHVolk: thanks Kim I am going to look it over
[7/24/2013 7:29:56 PM] Kim Hagstrom: kk dear, much love to you carol, you are shining so beautifully and so is your hubby (heart)
[7/24/2013 7:31:10 PM] Reuben Bailey: Regardless, their action so far has not put them in any sort of good standing according to the rule books. The more this shows up, the more folks see it, the faster the whole system finds it to their benefit to repurpose themselves.
[7/24/2013 7:33:04 PM] Funkyjomedina: Carol MHVolk
9:24 PM yup — so if they didn’t say I owed money back in the letter I got today and I follow-up with mine before this current term is up…I think I have them by the short and curly’s you think?
<<<<<<<<<<<<< I think that depends on the conditions of the first loan. You need to research that.
[7/24/2013 7:33:41 PM] Carol MHVolk: so Reuben – should I maybe add something to my letter about re-purposing them and depositing some of my value?
[7/24/2013 7:33:58 PM] Carol MHVolk: well once that loan is UP nothing in it is valid anymore right???
[7/24/2013 7:34:02 PM] Carol MHVolk: it is done
[7/24/2013 7:34:13 PM] Funkyjomedina:
Carol MHVolk
8:39 PM thanks Michelle and BZ…it isn’t my final version
8:40 PM when I got home my husband was sitting on the deck having a beer (or a few) and said he knows everything will be ok — read the letter and said take out the credit card part and I said I would be tweaking it again — I just gave him a great big hug and said I was sorry that this happened but that we have to both stand in our power and follow through — I read him a bunch of the stuff you guys wrote too
8:41 PM said I love you so much and we will make things all work out
8:55 PM hey where did everyone go? (bandit)
<<<<<<<<<<< omg you are so blessed to be together. That is so beautiful!!
[7/24/2013 7:34:16 PM] Reuben Bailey: I think it is perfectly fair to make statements about what you believe to be true, and leave it up to them to rebut them. That is what they do all the time. Failure to answer/rebut is deemed to be accepting the statements as fact.
[7/24/2013 7:34:53 PM] Steph: Carol, go within, and do what feels absolutely right for you to do. you will know.
[7/24/2013 7:35:15 PM] Funkyjomedina: right. Send them the letter mentioned above and do it 3 times within 72 hours and hopefully all should be good?
[7/24/2013 7:36:26 PM] Reuben Bailey: Offering to help them repurpose themselves is up to you. If it were me, I would wait on that part until other business with them is settled a bit more firmly.
[7/24/2013 7:37:11 PM] Carol MHVolk: OK that sounds perfect reuben
[7/24/2013 7:37:23 PM] Reuben Bailey: I think it would be send one with a deadline, wait for that deadline to pass, send another with a deadline, wait for that to pass, then send final notice.
[7/24/2013 7:38:14 PM] Carol MHVolk: it is just so flipping crazy…we know, they know and yet they won’t budge…
[7/24/2013 7:38:34 PM] Carol MHVolk: deadline for a response you mean? what does 3 times sending the same letter do?
[7/24/2013 7:39:30 PM] Reuben Bailey: I agree with Steph on this – take what is being said here as ideas of what you might do, go within and see what you feel is right for YOU and do that.
[7/24/2013 7:40:12 PM] Reuben Bailey: Yes, it is completely crazy, but it is what they know how to do…
[7/24/2013 7:40:33 PM] Reuben Bailey: Yes, deadline for response.
[7/24/2013 7:41:18 PM] Reuben Bailey: The first two letters gives them ample time to respond, and to make sure that they have gotten the notice even if the first one gets lost.
[7/24/2013 7:41:31 PM] Carol MHVolk: oh I will pick and choose what feels good to me — it was like when I had my first baby everyone flipping mother gave me their 2 cents and I would take what I wanted from it all and left the rest……
[7/24/2013 7:42:38 PM] Reuben Bailey: The third time is the statement of default, giving them notice that they are in default and the default conditions now apply.
[7/24/2013 7:42:52 PM] Margaret Kocsis: Way to go Kiri, we need a Pots And Pants revolution like the woman did in Iceland.
[7/24/2013 7:42:54 PM] Reuben Bailey: That is exactly the way to take it. 🙂
[7/24/2013 7:42:56 PM] Carol MHVolk: and each letter change the date and of course the deadline — I will do this ALL before August 3rd……..all with canada post having them sign for the mail
[7/24/2013 7:44:15 PM] Reuben Bailey: Yes, that sounds good. The second letter should make reference to the first deadline having passed and that it is the second notice.
[7/24/2013 7:45:49 PM] Carol MHVolk: so the third letter is the exact same with me saying they are in default — so rueben — the letter I was going to send them above? I was not asking them anything…what are they in default about then?
[7/24/2013 7:49:54 PM] Reuben Bailey: I think, based on what their response seems to have been to the initial letter you may be able to skip the second letter and just make this the default notice. They defaulted by not providing proof that they had rights, title, and possession of the money allegedly loaned to you.
[7/24/2013 7:50:11 PM] Bren: (hug)Carol MHVolk.. so beautiful.. how all have worked together.. to help Carol.. what a blessing to watch.. (heart)
[7/24/2013 7:51:25 PM] Reuben Bailey: If the letters you recieved today do not indicate that they are in response to the letter you sent, it may make sense to do a second one with a deadline. I don’t know for sure.
[7/24/2013 7:51:43 PM] Carol MHVolk: ok ya — so I feel pretty good about the draft letter and I feel like I know what else I want to add………..thanks again everyone — your support has been absolutely amazing (heart)
[7/24/2013 7:53:40 PM] Carol MHVolk: they responded to my first letter to say they received it but would get back to me
[7/24/2013 7:53:52 PM] Carol MHVolk: BRB
[7/24/2013 7:53:53 PM] Reuben Bailey: There are others here who have hands on experience with this. My understanding of this comes from reading and listening, rather than actually doing it…
[7/24/2013 7:54:58 PM | Edited 7:57:47 PM] Reuben Bailey: Did they give a time frame for when they would give their response?
[7/24/2013 7:58:04 PM] Reuben Bailey: Has that time frame passed?
[7/24/2013 7:59:33 PM | Edited 8:01:09 PM] Arthur Paul: There is a freeman who calls himself “El Spaniardo” in the UK that is doing some great things with commercial liens. This YouTube video is worth a watch for Carol and others – http://www.youtube.com/watch?v=PFeJc8PrEes
[7/24/2013 8:19:05 PM] Carol MHVolk: they just said they would respond reuben and then their response is obviously these 3 letters they sent today…not answering any questions
[7/24/2013 8:21:51 PM] Carol MHVolk: so I have some new ideas about the letter I am sending them back — thanks again for all the tips…Rod wants me to take out the part about asking for $25K and the money back from the mortgage so I am pretty sure I know what I am going to write and of course I will share again tomorrow when I get it all complete
[7/24/2013 8:22:32 PM] Reuben Bailey: Sounds good! 🙂
[7/24/2013 8:22:32 PM] Carol MHVolk: thanks for the link arthur
[7/24/2013 8:29:25 PM] Carol MHVolk: tomorrow morning I am going to City Hall to get a copy of my property/house title
[7/24/2013 8:40:12 PM] Funkyjomedina: Carol MHVolk
9:37 PM OK that sounds perfect reuben
9:38 PM it is just so flipping crazy…we know, they know and yet they won’t budge…
deadline for a response you mean? what does 3 times sending the same letter do?
<<<<< what I understand is… it takes three letters all the same demands, spaced 72 hours apart. If not answered or rebutted then it stands as law
[7/24/2013 8:44:07 PM] Carol MHVolk: so when the letters are sent I have the date and time they are sent as well…I will read again what everyone said and perhaps this NEW letter will be the 3 I send
[7/24/2013 8:44:33 PM] Carol MHVolk: information overload…
[7/24/2013 8:49:53 PM] Funkyjomedina: omg I have to ask myself at this point…if I were in Kiris’ spot, would I be willing to go to jail? I have to say I would. I would make arrangements for my kitties and tell my roomie that this is what we may have to deal with. But dammit, I would do it. Kiri is our Rosa Parks. It may take many of us. Heather has not produced any docs. Are we ready to rock and roll without her? If she is ready to abandon the whole thing? I think I am. I know I can’t go back, knowing what I know. It is either this or Agenda 21. One way we lose, one way we win. Apparently it may take many sacrifices on our side.
[7/24/2013 8:55:03 PM] Carol MHVolk: well for me Funky — I am going to do what I can and what I feel good about…the one thing however is I CANNOT LOSE MY HOME…NO MATTER WHAT
[7/24/2013 8:57:01 PM] Funkyjomedina: I wish you luck. I know several people who have lost their homes.
[7/24/2013 8:57:49 PM] Carol MHVolk: THAT IS NOT GOING TO HAPPEN TO ME!!!!!!!!!!!!!!!
[7/24/2013 8:57:53 PM] Funkyjomedina: prior to this OPPT stuff. I think/hope that this wil change
[7/24/2013 8:57:55 PM] Carol MHVolk: or my family
[7/24/2013 8:58:11 PM] Carol MHVolk: been here 21 years
[7/24/2013 8:58:37 PM] Funkyjomedina: I want you and Terra to be a good example
[7/24/2013 8:58:40 PM] Funkyjomedina: (heart)
[7/24/2013 8:59:34 PM] Carol MHVolk: It will be beautiful XOXOX (heart)
[7/24/2013 9:12:40 PM] Carol MHVolk: wow what a day it has been…sun is going down and as I sit here thinking about what has happened and all the support on here there is that little voice in the back of my head saying…do it Carol…do it and then the voice says “what the hell have you done”…
[7/24/2013 9:21:03 PM] Carol MHVolk: oh — I guess I need to go downtown then — I will look it up
[7/24/2013 9:27:59 PM] Terra E Stella: LOL, Carol! You’ve done it! Their fraud is so obvious. My crooked bank is calling me every day, wanting to throw me into some new deal. Well, I say NO DEAL! Funky, I’d do the same – jail? what is that? If it needs to be, so be it. When we lose fear, we lose ego, we know who we are, we see through them and they are scared of that. County Registrar of Deeds is where I went, Carol.
[7/24/2013 9:34:58 PM] Carol MHVolk: I am in Canada Terra
[7/24/2013 9:37:20 PM] Terra E Stella: I know. I thought you had counties too.
[7/24/2013 9:38:16 PM] Carol MHVolk: Provinces
[7/24/2013 9:38:31 PM] Carol MHVolk: so I am on the land title site for BC but it doesn’t look that easy
[7/24/2013 9:38:37 PM] Terra E Stella: Jodie and Joseph, nice that you talked. Just talking about issues helps. Joseph, you are next rocking the boat!
[7/24/2013 9:39:01 PM] Carol MHVolk: Margaret — what office would I go to in Victoria?
[7/24/2013 9:42:15 PM] Carol MHVolk: Land Title and Survey Authority of BC
DirectionsBe the first to review
Address: 1321 Blanshard St #110, Victoria, BC V8W 0B7
Phone:+1 877-577-5872
[7/24/2013 9:42:40 PM] Carol MHVolk: found it
[7/24/2013 9:42:51 PM] Carol MHVolk: I love the internet
[7/24/2013 9:51:18 PM] Carol MHVolk: my sister in law actually
[7/24/2013 9:51:38 PM] Carol MHVolk: my husband is waking up both his sister and brother (heart)
[7/24/2013 9:51:43 PM] Carol MHVolk: and his boss (heart) [7/24/2013 10:03:26 PM] Carol MHVolk: so I have to ask this question: I know I know — so my mortgage ends Aug 3rd with the bank…..I no longer have one….can they come here and remove us from our home??? like who actually owns the house? so many thoughts in my head…my husband was asking me if there is anyone else on here that has done what I’ve done so far—like the letter number one asking for the 4 things [7/24/2013 10:05:17 PM] Carol MHVolk: I am going to go crash — thinking it is going to take me awhile to fall asleep……..breath in breath out, breath in breath out
[7/24/2013 10:05:31 PM] Jodie Newell: Terra, I decided not to record the call this week, so that’s why you didn’t see a recording. The reason for that is just a personal decision, that, since I didn’t guide someone thru the technique but rather just had a normal conversation, that it might not be of interest to others. However, the past 2 calls that I’ve done that, afterwards I think, “Hey there was some good stuff that was discussed here and might be of interest to others.” So I’ll likely record and upload it, no matter what direction the call takes. But thanks for asking, as it was something I was thinking about myself.
[7/24/2013 10:06:08 PM] Jodie Newell: (clap) Great job all day, Carol!!
[7/24/2013 10:06:22 PM] Carol MHVolk: whew……….I am exhausted……..
[7/24/2013 10:06:28 PM] Carol MHVolk: thansk Jodi
[7/24/2013 10:06:29 PM] Carol MHVolk: thanks
[7/24/2013 10:08:05 PM] Carol MHVolk: (heart)IFLAYBOL AND ALL THE OTHER ANGELS AND SPIRITS AND ETS WATCHING THIS UNFOLD (heart) I CALL ALL MY ANGELS HERE TO HELP ME (heart)
[7/24/2013 10:12:09 PM] Kevin Friesen: Remember, Carol…ultimately YOU are your angel. What do YOU want to see unfold?
[7/24/2013 10:13:41 PM] Kevin Friesen: Timed at 11:11, by the way
[7/24/2013 10:13:57 PM] Terra E Stella: Carol, so many of us asked the same questions. Tons of us sent the same requirements (haha, love that – same wording). Before Heather wrote those 3 requirements, I was only asking for the wet ink note, after he came on board, I added those three. Now I asked for the CUSIP number on the back of my application. That’s a new one. Apparently, they write your CUSIP number across the back of the application.
[7/24/2013 10:14:51 PM] Terra E Stella: Jodie, when we listen to your tehcniques, that helps us too, I do what your guests do 😉
[7/24/2013 10:15:27 PM] Carol MHVolk: I am still here LOL
[7/24/2013 10:16:03 PM] Dr. Michelle Johnson, ND: Love that little flourish of the CUSIP number Terra…
[7/24/2013 10:16:19 PM] Carol MHVolk: Kevin – I want everything I do to be recognized and validated and that I no longer have a mortgage or any debt and that my family is safe in OUR HOME
[7/24/2013 10:16:21 PM] BZ Riger: (*) Transcription of Interview with Kiri from New Zealand – July 19th – Special Edition
https://i-uv.com/kiri-from-new-zealand-deposited-15-mil-units-of-her-value-into-her-local-bank/
[7/24/2013 10:17:16 PM] Dr. Michelle Johnson, ND: Yes Carol…exactly! We will all imagineer the same for you!
[7/24/2013 10:17:29 PM | Edited 10:47:00 PM] Kevin Friesen: Carol. and so it i\s
[7/24/2013 10:18:17 PM] Carol MHVolk: oh I have a realtor friend chatting with me on facebook and she can do the title search and get me a copy — SHIT I ROCK!!!!!!!!!!!!!!!!!!!
[7/24/2013 10:18:28 PM] Carol MHVolk: THANKS EVERYONE
AWESOME!!!! 🙂 🙂 🙂
THIS will ROCK the Universe!
So Let’s DO IT!!!… a Call to arms to ALL Translators of Financial instruments…
Please get onto the Job to get THIS Translated ALL OVER THE WORLD!!!!
BTW…What does IFLAYBOL mean?
Lars-Goran, IFLAYBOL = I Fucking Love All You Beings Of Light
“SHIT I ROCK!!!!!!!!!!!!!!!!!!!”
MAN!!! That says it all…!! What great work, all of my one people brothers…….