Hi all here is my first challenge to the BOI asking for proof of claim, based on Darrell O Dea's book, and thanks Darrell for your time on the phone and your inspiration, any criticism, advice, praise all welcome
This is my revised letter as of today's date
Notice of Conditional Acceptance
Group Legal Services
Bank of Ireland
40 Mespil Road
8th Feb. 2011
You’re Ref/Acc. 14346689
As you already know I have been for many years an arduous and dedicated customer of the Bank of Ireland, I believe your Bank to be one of great integrity and honesty and that your consequent and honourable reply to my requests in this letter will surely confirm this for me. I believe your Bank to be an honest institution and one that gives full disclosure to all its customers. After some research I decided to seek validity and substance to some doubts and queries that was raised. So to satisfy my curiosity and doubts and in the interest of goodwill and continuing business with your bank I hope that you will be able to supply me with all the lawful documents that I now request. In the meantime and awaiting clarification from your bank I have temporarily cancelled all direct debits on the account. I will gladly reinstate business with your bank and continue having a good working relationship with you upon you supplying proof of claim and proof of lawful contract and proper signed invoices.
I am hereby kindly requesting originals of the items below, and in doing so please take note that a valid executed contract must contain: Full Disclosure (a contract signed by both parties), Mutual Consideration and Lawful Terms and Conditions.
If all valid contract documentary evidence exists and is supplied as listed below, then I will be more than happy to pay any and all amounts I lawfully owe.
1. Validation/Proof of the debt – The actual accounting of the debt and showing the source of the actual funds being loaned at the inception of the account.
2. Verification of your claim against me, i.e. a sworn affidavit or signed invoice.
3. A copy of the lawful contract binding both parties in an agreement
As I am offering conditional acceptance and happy to pay the alleged debt, this removes any controversy, and means that you do not have recourse to a court of law in this matter. It is my express wish not to enter into any communication with you or any of your agents over the telephone. I will only accept written responses for my records. Under contract law my legal rights and reputation are sovereign and respected, refrain from involving any third parties (solicitors, debt recovery agencies or credit reference agencies) in this matter, if you do then I will make a formal complaint to the Data Protection Commissioner. As this is not a request for a statement of account or of the Bank of Ireland’s terms and conditions, it is important that you consider my lawful requests and respond in substance. The 'nearest official form' will not suffice,
If you cannot supply the lawful documents I have requested and in the interest of avoiding any further embarrassment this alleged debt must be discharged with immediate effect. Only clarification in writing will be accepted.
Please reply within  days from the date of this letter
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT
Yours sincerely without ill will, vexation or frivolity
By: __________________________________ Authorised Agent
David: of the ancient clan latsky (Sovereign)
All Rights Reserved none waived ever.
No Assured Value. No Liability. No International Treaty
Here is the most comprehensive look at the 5 letters on the entire web.
Over 1100 posts and 92,000 views.
If I gather correctly, most of the people in this thread have made a deal with a bank, gotten a loan, and are now refusing to pay the banks back.
Can anyone explain the rationale behind that?