Top 10 Cannabis Studies the Government Wished it Had Never Funded

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10) MARIJUANA USE HAS NO EFFECT ON MORTALITY: A massive study of California HMO members funded by the National Institute on Drug Abuse (NIDA) found marijuana use caused no significant increase in mortality. Tobacco use was associated with increased risk of death. Sidney, S et al. Marijuana Use and Mortality. American Journal of Public Health. Vol. 87 No. 4, April 1997. p. 585-590. Sept. 2002.

9) HEAVY MARIJUANA USE AS A YOUNG ADULT WON’T RUIN YOUR LIFE: Veterans Affairs scientists looked at whether heavy marijuana use as a young adult caused long-term problems later, studying identical twins in which one twin had been a heavy marijuana user for a year or longer but had stopped at least one month before the study, while the second twin had used marijuana no more than five times ever. Marijuana use had no significant impact on physical or mental health care utilization, health-related quality of life, or current socio-demographic characteristics. Eisen SE et al. Does Marijuana Use Have Residual Adverse Effects on Self-Reported Health Measures, Socio-Demographics or Quality of Life? A Monozygotic Co-Twin Control Study in Men. Addiction. Vol. 97 No. 9. p.1083-1086. Sept. 1997

8) THE “GATEWAY EFFECT” MAY BE A MIRAGE: Marijuana is often called a “gateway drug” by supporters of prohibition, who point to statistical “associations” indicating that persons who use marijuana are more likely to eventually try hard drugs than those who never use marijuana – implying that marijuana use somehow causes hard drug use. But a model developed by RAND Corp. researcher Andrew Morral demonstrates that these associations can be explained “without requiring a gateway effect.” More likely, this federally funded study suggests, some people simply have an underlying propensity to try drugs, and start with what’s most readily available. Morral AR, McCaffrey D and Paddock S. Reassessing the Marijuana Gateway Effect. Addiction. December 2002. p. 1493-1504.

7) PROHIBITION DOESN’T WORK (PART I): The White House had the National Research Council examine the data being gathered about drug use and the effects of U.S. drug policies. NRC concluded, “the nation possesses little information about the effectiveness of current drug policy, especially of drug law enforcement.” And what data exist show “little apparent relationship between severity of sanctions prescribed for drug use and prevalence or frequency of use.” In other words, there is no proof that prohibition – the cornerstone of U.S. drug policy for a century – reduces drug use. National Research Council. Informing America’s Policy on Illegal Drugs: What We Don’t Know Keeps Hurting Us. National Academy Press, 2001. p. 193.

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6) PROHIBITION DOESN’T WORK (PART II): DOES PROHIBITION CAUSE THE “GATEWAY EFFECT”?): U.S. and Dutch researchers, supported in part by NIDA, compared marijuana users in San Francisco, where non-medical use remains illegal, to Amsterdam, where adults may possess and purchase small amounts of marijuana from regulated businesses. Looking at such parameters as frequency and quantity of use and age at onset of use, they found no differences except one: Lifetime use of hard drugs was significantly lower in Amsterdam, with its “tolerant” marijuana policies. For example, lifetime crack cocaine use was 4.5 times higher in San Francisco than Amsterdam. Reinarman, C, Cohen, PDA, and Kaal, HL. The Limited Relevance of Drug Policy: Cannabis in Amsterdam and San Francisco. American Journal of Public Health. Vol. 94, No. 5. May 2004. p. 836-842.

5) OOPS, MARIJUANA MAY PREVENT CANCER (PART I): Federal researchers implanted several types of cancer, including leukemia and lung cancers, in mice, then treated them with cannabinoids (unique, active components found in marijuana). THC and other cannabinoids shrank tumors and increased the mice’s lifespans. Munson, AE et al. Antineoplastic Activity of Cannabinoids. Journal of the National Cancer Institute. Sept. 1975. p. 597-602.
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4) OOPS, MARIJUANA MAY PREVENT CANCER, (PART II): In a 1994 study the government tried to suppress, federal researchers gave mice and rats massive doses of THC, looking for cancers or other signs of toxicity. The rodents given THC lived longer and had fewer cancers, “in a dose-dependent manner” (i.e. the more THC they got, the fewer tumors). NTP Technical Report On The Toxicology And Carcinogenesis Studies Of 1-Trans- Delta-9-Tetrahydrocannabinol, CAS No. 1972-08-3, In F344/N Rats And B6C3F Mice, Gavage Studies. See also, “Medical Marijuana: Unpublished Federal Study Found THC-Treated Rats Lived Longer, Had Less Cancer,” AIDS Treatment News no. 263, Jan. 17, 1997.

3) OOPS, MARIJUANA MAY PREVENT CANCER (PART III): Researchers at the Kaiser-Permanente HMO, funded by NIDA, followed 65,000 patients for nearly a decade, comparing cancer rates among non-smokers, tobacco smokers, and marijuana smokers. Tobacco smokers had massively higher rates of lung cancer and other cancers. Marijuana smokers who didn’t also use tobacco had no increase in risk of tobacco-related cancers or of cancer risk overall. In fact their rates of lung and most other cancers were slightly lower than non-smokers, though the difference did not reach statistical significance. Sidney, S. et al. Marijuana Use and Cancer Incidence (California, United States). Cancer Causes and Control. Vol. 8. Sept. 1997, p. 722-728.
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2) OOPS, MARIJUANA MAY PREVENT CANCER (PART IV): Donald Tashkin, a UCLA researcher whose work is funded by NIDA, did a case-control study comparing 1,200 patients with lung, head and neck cancers to a matched group with no cancer. Even the heaviest marijuana smokers had no increased risk of cancer, and had somewhat lower cancer risk than non-smokers (tobacco smokers had a 20-fold increased lung cancer risk). Tashkin D. Marijuana Use and Lung Cancer: Results of a Case-Control Study. American Thoracic Society International Conference. May 23, 2006.

1) MARIJUANA DOES HAVE MEDICAL VALUE: In response to passage of California’s medical marijuana law, the White House had the Institute of Medicine (IOM) review the data on marijuana’s medical benefits and risks. The IOM concluded, “Nausea, appetite loss, pain and anxiety are all afflictions of wasting, and all can be mitigated by marijuana.” While noting potential risks of smoking, the report ad

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http://www.riseearth.com/2012/05/how-hemp-oil-cures-cancer-and-why-no.html
Source: libertycrier

Another Brave^!°FREEDOM°QUEEN°!^ has moved from panic to BEing >I*M*POWER*ED

…a peek into the ♥*RTS-Sype-Room*♥ – amAZing development of another ♥^Wayseer-Woman^♥ from the initial panic in response to intimidation – BEing IMPowered by the ♥°LOVE°♥ and °♥UNiTy♥° of all – to stand her grounds and show who she ♥°BE°♥
Have *FUN* reading!

Lioness_guard_house

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???????

MY HUSBAND IS FREAKING OUT AND WANTS ME TO PHONE THE BANK TO GET IT ALL STRAIGHTENED OUT
HELLO???

Woody: Go to your nearest credit union and start a new account, if you must have one.

[7/24/2013 10:08:17 PM] Helen Vita: What do you mean, closing…

[7/24/2013 10:09:04 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 10:09:07 PM] Carol MHVolk: there is a bunch more

[7/24/2013 10:09:20 PM] Carol MHVolk: too much to type…I would love to be able to talk to someone

[7/24/2013 10:09:41 PM] Dr. Michelle Johnson, ND: HSBC IS THE HEART OF THE BEAST CAROL

[7/24/2013 10:10:10 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 10:10:53 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 10:26:59 PM] Funkyjomedina: Carol, try going into the filings room for advice

[7/24/2013 10:29:09 PM] Funkyjomedina: Also go to scott bartles website. Can someone here get his link, I’m on my phone

[7/24/2013 10:29:25 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 10:29:52 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 10:30:24 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 10:31:07 PM] Helen Vita: If they are closing your mortgage, what are they saying that means?

[7/24/2013 10:33:41 PM] fastwalker  101: you have names and e mail adresses for us?

[7/24/2013 10:34:29 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 10:37:00 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 10:40:22 PM] Carol MHVolk: hsbc

[7/24/2013 10:40:48 PM] Carol MHVolk: reuben they will prob send me money if there is any

[7/24/2013 10:41:05 PM] Carol MHVolk: I NEED TO DO SOMETHING NOW SO I AM GOING TO PHONE THE BANK

[7/24/2013 10:41:28 PM] Funkyjomedina: Did you stop making pmts?

[7/24/2013 10:41:40 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 10:42:34 PM] Carol MHVolk: nope I have never stopped making payments

[7/24/2013 10:43:53 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 10:43:59 PM] Reuben Bailey: Did you send them anything other than the 4 questions?

[7/24/2013 10:44:04 PM] Carol MHVolk: nope

[7/24/2013 10:44:05 PM] Carol MHVolk: now this

[7/24/2013 10:44:11 PM] Carol MHVolk: here is the whole letter I sent

[7/24/2013 10:44:35 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 10:44:48 PM] Arthur Paul: On what grounds are they not renewing?

[7/24/2013 10:45:07 PM] Arthur Paul: On what grounds are they closing your accounts?

[7/24/2013 10:45:23 PM] Reuben Bailey: When did you send this letter?

[7/24/2013 10:45:25 PM] Arthur Paul: As far as I have been able to gather, you are current on everything.

[7/24/2013 10:46:02 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 10:46:24 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 10:46:53 PM] Margaret Kocsis: Carol, have you tried to have another account somewhere else?

[7/24/2013 10:46:59 PM] Steph: does the letter indicate an amount owing for the mortgage Carol?

[7/24/2013 10:47:03 PM] Carol MHVolk: another says we have decided to terminate our relationship

[7/24/2013 10:47:06 PM] Carol MHVolk: then another one says about the same thing and they will be closing your account effective aug 22

[7/24/2013 10:47:25 PM] Carol MHVolk: there are NOT AMOUNTS showing that I owe money

[7/24/2013 10:47:36 PM] Carol MHVolk: NO AMOUNTS

[7/24/2013 10:47:43 PM] Sunshine: (heart)

[7/24/2013 10:47:55 PM] Steph: do you have the physical title to your property Carol?

[7/24/2013 10:48:10 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 10:48:14 PM] Steph: the “deed”

[7/24/2013 10:48:14 PM] Reuben Bailey: Are they telling you what the balances in the deposit accounts are?

[7/24/2013 10:48:32 PM] Carol MHVolk: Steph — where do I get that????

[7/24/2013 10:48:40 PM] Dr. Michelle Johnson, ND: So, you have time to get the stuff out before Aug 22 Carol?

[7/24/2013 10:49:15 PM] Carol MHVolk: well Aug 3rd is the last mortgage payment of this term

[7/24/2013 10:49:28 PM] Carol MHVolk: they haven’t put any dollar figures on ANY of the letters Reuben

[7/24/2013 10:50:10 PM] Funkyjomedina: Terra, what Bill? Similar to cyprus?

[7/24/2013 10:50:29 PM] Kathy Kelley: She is NOT an AMERICAN. She is Canadian

[7/24/2013 10:50:39 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 10:50:50 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 10:51:04 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 10:51:07 PM] Steph: Here too Carol, it’s called a “bail-in” it was passed in the 2013 budget….

[7/24/2013 10:51:29 PM] Carol MHVolk: would be nice if I had money to take out — my accounts are always nothing

[7/24/2013 10:51:38 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 10:51:58 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 10:52:19 PM] Arthur Paul: Are any of the letters sent by live people with a wet ink signature?
[7/24/2013 10:52:26 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 10:52:52 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 10:53:33 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 10:53:44 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 10:54:24 PM] Fred & Debbie: Good moaning to you all.  (sun)  Time to do my slave job now. (heidy)
[7/24/2013 10:54:40 PM] Steph: in a situation such as this, I feel taking time to center yourself, and not acting in haste is well advised
[7/24/2013 10:55:05 PM] Reuben Bailey: Agreed, Steph.
[7/24/2013 10:55:52 PM | Edited 10:57:33 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 10:57:38 PM] Steph: Carol, have you considered the possibility that your actions have resulted in what you intended?
[7/24/2013 10:58:38 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 10:59:45 PM] Terra E Stella: There is always FDIC to call, who is in bed with them anyway. No fear, no panic.
[7/24/2013 11:01:08 PM] Carol MHVolk: does this mean I have no debt???
[7/24/2013 11:01:45 PM] Reuben Bailey: It might, at that.
[7/24/2013 11:01:50 PM] Helen Vita: They would have spelt it out to you, if they were going to call in the loan…
[7/24/2013 11:02:02 PM] Steph: isn’t that what you intended?
[7/24/2013 11:02:03 PM] Reuben Bailey: Are they demading that you pay off the accountj?
[7/24/2013 11:02:22 PM] Terra E Stella: Read the fine print once, two, three times. It’s all in the wording.
[7/24/2013 11:02:53 PM] Carol MHVolk: they have not said I owe money
[7/24/2013 11:03:14 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 11:03:16 PM] Dr. Michelle Johnson, ND: Your ‘bank’ sorry…
[7/24/2013 11:03:20 PM] Carol MHVolk: I am going to write the exact letter for my mortgage
[7/24/2013 11:04:08 PM] Dr. Michelle Johnson, ND: Good idea…let other sets of eyes dig through it.
[7/24/2013 11:04:19 PM] Carol MHVolk: RE:  HSBC numbered account XXX which is my mortgage account
[7/24/2013 11:04:53 PM] Helen Vita: No account balances ‘owing’, ?
[7/24/2013 11:05:19 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 11:06:38 PM] Funkyjomedina: Each one within 72 hours right?
[7/24/2013 11:08:13 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 11:08:55 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 11:08:56 PM] Funkyjomedina: Carol was your mortgage up for renewal in August?
[7/24/2013 11:09:49 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 11:09:49 PM] Carol MHVolk: Yes — it is up for renewal which was why I sent the letter before signing the mortgage renewnal
[7/24/2013 11:10:14 PM] Dr. Michelle Johnson, ND: THey are probably ‘noticing’ you that they are selling your mortgage Carol…
[7/24/2013 11:10:56 PM] Carol MHVolk: WHAT???????????????????????????
[7/24/2013 11:11:39 PM] Margaret Kocsis: Carol, it does not say that after that date it is payable in full.
[7/24/2013 11:12:07 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 11:12:21 PM] Helen Vita: Selling = ‘re-assignment’ of your loan
[7/24/2013 11:12:23 PM] Carol MHVolk: [Wednesday, July 24, 2013 10:52 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 11:13:00 PM] Steph: Carol, do you have the original mortgage documents to look over the fine print?
[7/24/2013 11:13:03 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 11:13:14 PM] Carol MHVolk: [Wednesday, July 24, 2013 11:11 PM] Margaret Kocsis:

<<< Carol, it does not say that after that date it is payable in full.nope
[7/24/2013 11:13:27 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 11:13:34 PM] Carol MHVolk: I do have the mortgage I signed yes but only OUR signatures of course
[7/24/2013 11:13:43 PM] Funkyjomedina: The original docs prob say you need to find a new bank of they decide not to renew
[7/24/2013 11:14:12 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 11:14:19 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 11:14:41 PM] Carol MHVolk: we will make the last payment — we were never going to stop
[7/24/2013 11:14:54 PM] Dr. Michelle Johnson, ND: But that original probably says after a certain term you have to do such and such…
[7/24/2013 11:14:59 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 11:15:22 PM] Steph: you are “in good standing” with the bank
[7/24/2013 11:15:45 PM] Dr. Michelle Johnson, ND: No, they are going to probably give another ‘lending institution’ the opportunity to ‘service your mortgage.’
[7/24/2013 11:15:55 PM] Steph: they are scared by your letter. Do you know why? Because THEY KNOW YOU ARE RIGHT
[7/24/2013 11:16:24 PM] Funkyjomedina: You can call them and ask them what the next step is
[7/24/2013 11:16:26 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 11:16:53 PM] Margaret Kocsis: Looks like someone doesn’t want to be personally responsible by signing it that way.
[7/24/2013 11:17:27 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 11:18:22 PM] Steph: In Canada, regulations covering financial institutions are a bit different than in the states btw….especially mortgages
[7/24/2013 11:18:48 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 11:18:58 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 11:19:09 PM] Steph: Carol, I have sent you a contact request.
[7/24/2013 11:19:37 PM] Carol MHVolk: I just accepted it
[7/24/2013 11:20:11 PM] fastwalker  101: Yes i think its important to stay calm..
[7/24/2013 11:20:22 PM] Carol MHVolk: I am thinking if they haven’t said you OWE X amount it’s DONE!!!
[7/24/2013 11:20:26 PM] Reuben Bailey: You are most welcome, Carol.
[7/24/2013 11:20:41 PM] fastwalker  101: and get your info first before you act,
[7/24/2013 11:20:42 PM] Reuben Bailey: I’m glad your husband is relaxing a little bit about it.
[7/24/2013 11:20:55 PM] Carol MHVolk: 1 hour ago I was freaking but I am pretty good now
[7/24/2013 11:21:09 PM] fastwalker  101: we re whit you you know
[7/24/2013 11:21:15 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 11:22:27 PM] Carol MHVolk: thanks again (heart)
[7/24/2013 11:22:43 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 11:23:05 PM] fastwalker  101: [Wednesday, July 24, 2013 11:21 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 11:23:18 PM] Carol MHVolk: my credit sucks
[7/24/2013 11:23:26 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 11:24:43 PM] Terra E Stella: Yes, FW  (y)
[7/24/2013 11:26:13 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 11:27:00 PM] fastwalker  101: :* to All of you !!
[7/24/2013 11:28:33 PM] Carol MHVolk: thanks
[7/24/2013 11:28:48 PM] fastwalker  101: were all whit you, take a moment of calm and let that energy reach you !
[7/24/2013 11:28:57 PM] fastwalker  101: close your eyes and look behind you… we”re all there !
[7/24/2013 11:30:44 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 11:31:46 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 11:36:10 PM] Dr. Michelle Johnson, ND: Glad you are feeling more calm and and centered…you have time! Take it…
[7/24/2013 11:39:19 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 11:43:44 PM] BZ Riger: (*) http://i-uv.com/kimberly-hagstrom-student-loan-remedy-template/
[7/24/2013 11:46:17 PM] Joseph: whats wrong with them closing your accounts?
[7/24/2013 11:46:38 PM] Joseph: providing they send you any outstanding balances
[7/24/2013 11:48:32 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 11:48:44 PM] Dr. Michelle Johnson, ND: (heart) (heart) (heart)
[7/24/2013 11:48:52 PM] Reuben Bailey: Nice article! Thanks for the link, BZ!
[7/24/2013 11:49:26 PM] Funkyjomedina: I like your approach Arthur
[7/24/2013 11:49:53 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 11:49:53 PM] Pete Lysohirka: [Wednesday, July 24, 2013 10:46 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 11:50:18 PM] Reuben Bailey: Remember the energetics of all of this, and focus your energy on the outcome you want.
[7/24/2013 11:53:18 PM] Reuben Bailey: Going to make supper. I will check back in a while. (hug)
[7/24/2013 11:55:23 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 11:56:00 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!!!!!!!!!
[12:00:40 AM] Rob !!!!!: GO Carol!  This is your time to shine- No it’s not comfortable………but the rewards…….. (y)(heart)
[12:01:30 AM] Nicole Matthews: (y) (flex) (heart) Carol!
[12:02:40 AM] fastwalker  101: GO CAROL GO !!!
[12:03:01 AM] fastwalker  101: \o/(flex)\o/
[12:07:10 AM] 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
[12:09:09 AM] 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
[12:09:48 AM] Carol MHVolk: I am going to get a copy of the title of my property tomorrow
[12:10:01 AM] fastwalker  101: there is a ucc filling that secured all property.. i cannot find it right now..
[12:10:27 AM] fastwalker  101: take your time in gathering info..
[12:10:42 AM] Carol MHVolk: There is a clause tjat says Renewal and I am going to type this out ok
[12:10:45 AM] fastwalker  101: they think your verry verry smart..
[12:11:17 AM] fastwalker  101: let them keep on thinking that
[12:12:26 AM] fastwalker  101: take your time and IN joy !
[12:13:07 AM] fastwalker  101: i think this is part of the FUN that heatherspeaks about
[12:14:09 AM] 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???
[12:15:29 AM] Carol MHVolk: I wish Heather would come on here and read this stuff…
[12:18:23 AM] Carol MHVolk: What is the applicable law they are referring to?
[12:20:25 AM] 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.”
[12:21:17 AM] Reuben Bailey: That is my take as well, Art.
[12:22:08 AM] Carol MHVolk: so I should add that to my letter or JUST thank Arthur?
[12:22:22 AM] Reuben Bailey: The caps sentence you wrote assumes that there is a valid loan, which they have failed to prove that there is.
[12:22:24 AM] Carol MHVolk: sorry just that
[12:22:33 AM] BZ Riger: Carol, in the end of your letter you tied their hands
[12:22:37 AM | Edited 12:25:24 AM] 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.
[12:22:53 AM] Carol MHVolk: Arthur — did you read the sentence above?  what is this going to do
[12:23:15 AM] 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
[12:23:45 AM] Carol MHVolk: I was in fear but not anymore!
[12:24:15 AM] BZ Riger: you are not doing that you are standing in your power and taking the next steps. Beautiful Being and doing (sun)
[12:24:18 AM] Arthur Paul: That statement assumes that there was a mortgage loan to begin with.  We all know that there wasn’t.
[12:24:34 AM] Carol MHVolk: ohhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhh good one Rueben
[12:24:56 AM] Arthur Paul: They can’t prove rights, title, or ownership to that which they allege they lent you.
[12:26:07 AM] 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?
[12:26:44 AM] Arthur Paul: That sounds like a good idea.
[12:26:49 AM] fastwalker  101: yes , be calm, collect your evidence and make a peace of art out of it !
[12:27:28 AM] 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
[12:27:50 AM] Carol MHVolk: woot woot — with all you wonderful BEings I am sure it will be a MASTERPIECE!!!!!!!!!!!!!!
[12:28:44 AM] Carol MHVolk: OK – going to do my draft…
[12:29:05 AM | Removed 12:36:31 AM] fastwalker  101: This message has been removed.
[12:31:36 AM | Removed 12:36:50 AM] fastwalker  101: This message has been removed.
[12:33:15 AM | Removed 12:37:01 AM] fastwalker  101: This message has been removed.
[12:37:23 AM] Carol MHVolk: I missed what you wrote Fastwalker
[12:38:06 AM] Cherie and Martin: fastwalker is a fast deleter (chuckle)
[12:39:08 AM] 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)
[12:39:10 AM] 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
[12:39:29 AM] fastwalker  101: i almost bever delete but i thought it was to silly..
[12:40:19 AM] Kathy Kelley: Big ole red black and infection green thing pfffft
[12:40:26 AM] fastwalker  101: and create a letter that still wet your pens ( this IS the PEE room isnt it ?) when your 80 !!
[12:41:03 AM] fastwalker  101: so much FUN !!
[12:41:28 AM] fastwalker  101: test for my short term memorie !!
[12:41:38 AM] fastwalker  101: love you all (heart)!!
[12:42:16 AM] fastwalker  101: GO CAROL GO ! \o/(flex)\o/
[12:45:32 AM] fastwalker  101: and now im off to bed ( europian time line ) have a wonderfull INspiring day, all of you !
[12:45:43 AM] fastwalker  101: (heart)
[12:46:22 AM] 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……..
[12:47:29 AM] Carol MHVolk: thanks fastwalker
[12:48:15 AM] fastwalker  101: :*
[12:48:25 AM] 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.
[12:48:39 AM] 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
[12:49:18 AM] D Breakingthesilence: 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
[12:49:55 AM] fastwalker  101: you know every sentende you write is like a ” cliffhanger” its almost inpossible to get out this room now.. THANKS carol!!
[12:50:34 AM] Carol MHVolk: wow wow wow D — SERIOUSLY!!!!!!!!!!!!!!!!
[12:50:55 AM] 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.
[12:51:46 AM] 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.
[12:51:58 AM] D Breakingthesilence: 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!!
[12:52:29 AM] Carol MHVolk: HA HA HA I AM LAUGHING OUT LOUD………..they will be hanging from the cliff Fastwalker
[12:52:46 AM] Barb: just heard 5 million motorists have been fined last year in London..can you imagine how much money that will be, and if you dont pay they will find you and destroy your car
[12:53:19 AM] Steph: HSBC has fallen over the cliff….they are begging for a life line.
[12:53:32 AM] Carol MHVolk: ohhh I like that — I am going to do version 2 and post it
[12:53:35 AM] Barb: because they have all the details of where you live and your name etc
[12:53:56 AM] 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)
[12:54:22 AM] Barb: and sometimes they say the cars thats detroyed and not worth the fine or the agro..so you owe them after the car is detroyed if you cannot pay the fine
[12:54:49 AM] Carol MHVolk: yupsters — I have time to play this out
[12:55:05 AM] Barb: just thought you all might like to know the crap that goes on today involving peoples cars
[12:55:10 AM] Carol MHVolk: ok I am doing letter # 2 and will post here again……..it will help others…
[12:56:00 AM] Steph: Carol, you already have 🙂
[12:56:15 AM] fastwalker  101: [12:53 AM] 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..
[12:56:37 AM] Barb: and the total of charges come too 6oo million pounds per year..and where does the money go too?
[12:57:17 AM] Barb: sorry I had to post that inbetween other peoples conversation in here
[12:57:44 AM] fastwalker  101: take your time ! its gonna be wonderful !
[12:58:16 AM] Kathy Kelley: This has gone from a panic attack to empowerment BRAVO (clap) Go Carol Go!
[12:59:29 AM] Fred & Debbie: Cars are very important too Barb.  Some people actually become very attached to their heap of metal. (heart)
[12:59:48 AM] fastwalker  101: see ya  ! in the NEXT episode of… did you do your bank today ?? whit this time..our special (*) guest.. CAROL !!
[1:00:04 AM | Edited 1:07:20 AM] BZ Riger: Carol in I M Power BravaDOing and creating her stand in Freedom!
[1:00:52 AM] fastwalker  101: .. and carol..?. how do you feel today ??
[1:00:57 AM] Fred & Debbie: Go Carol!
[1:01:06 AM] BZ Riger: hahaha Fastwalker
[1:02:17 AM] Kathy Kelley: (clap) (inlove) (clap) Lookout HSBC….here comes Carol ]:)
[1:03:03 AM] BZ Riger: yup instead of now that you have won the superbowl…. Carol, now that you have done your Bank, where are you going!
[1:03:13 AM] fastwalker  101: and she is not alone !!
[1:03:16 AM] Reuben Bailey: God, I love the poeple in this room!
[1:03:19 AM] Reuben Bailey: Go Carol!!!
[1:03:21 AM] BZ Riger: instead of Disneyland… Nova Earth
[1:03:42 AM] Reuben Bailey: This has gotten me thinking about how to tackle my own situation…
[1:03:46 AM] Kathy Kelley: (y)  BZ
[1:04:11 AM] Reuben Bailey: Excuse me, Beings and Beacons Of Light…
[1:05:13 AM] rascallonhunter: (heart)(heart)(heart)
[1:06:20 AM] almapertien: relax! you”re gonna be on the show tomorrow!
[1:06:35 AM] Kathy Kelley: (heart) IFLAYBOL (heart)
[1:08:03 AM] almapertien: (music)IFLAYBOL (music)
[1:09:13 AM] carol.mhvolk: I know Steph I did version 1 and then D gave me more things to say…
[1:09:39 AM] carol.mhvolk: not sure if hubby will agree but I have copied and pasted all the comments here for hime to read
[1:09:47 AM] BZ Riger: (music)(heart)(music) … IFLAYBOL … (music)(heart)(music)
[1:10:50 AM] almapertien: (music) that makes my heart sing (music)
[1:12:35 AM] 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)
[1:12:38 AM] carol.mhvolk: OK here is version 2
[1:12:38 AM] Kelly Sutton: So, now that the bank has changed the locks on my home and deeded it in their name can I put a Lien on the property for the Affidavit of Interest they owe me?
[1:12:54 AM] 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
[1:14:09 AM] thetaplins: Carol, just go easy on hubby.  (heart)
[1:15:41 AM] 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…
[1:16:28 AM] 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…
[1:17:08 AM] Kathy Kelley: This is gonna seem random but my Ghost radar app spewed out these words over the last hour ROUGH, BEWARE, RIGHT, COAST, BETSY, SELF, SILVER, BILLION, RECEIVE, TRIAL
[1:17:12 AM] thetaplins: (hug) – for both of you.
[1:17:35 AM] Kathy Kelley: Kathy Kelley is scratching her head
[1:17:35 AM] terra.e.stella: WooHoo! Looking good! HSBC, run for your life!
[1:17:43 AM] carol.mhvolk: what is a ghost radar
[1:18:50 AM] Steph: Carol, how about adding the paragraph from your first letter stating that failure of the bank to respond within 72 hours  with clarification and documentation answering the four points you included constitutes admission that the purported loan was fradulent?
[1:18:57 AM] Kathy Kelley: It is a quantum energy sensor app for android and iphone
[1:19:14 AM] carol.mhvolk: ok…thanks Steph
[1:19:38 AM] Kathy Kelley: Steph (y)
[1:20:57 AM] almapertien: take youre time ! its gonna be perfect! and now im really off.. love you all !! see ya tomorrow.. on the next episode of…
[1:21:54 AM] almapertien: DID YOU DO YOUR BANK TODAY !?! (rofl)Lioness_Guard_doorway

Oh, and here´s a little bit of stunning background-data on Carol´s and Roderick´s family-name: 😉 translate.google.com/#de/en/Volk

…but wait, – – there´s more: 😀 the third and final (?) word/version:
[1:24:13 AM] terra.e.stella: LOL, Fastwalker!
[1:24:23 AM] carol.mhvolk: LOL
[1:24:26 AM | Edited 1:25:51 AM] westaff3: 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)
[1:24:51 AM] 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
[1:24:59 AM] 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,
[1:25:24 AM] 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!
[1:26:31 AM] Kathy Kelley: Send it registered
[1:26:59 AM] Kathy Kelley: They are definitely forgettable Terra
[1:28:06 AM] carol.mhvolk: [1:24 AM] 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