How to immediately free yourself of student loan debt or any other bogus

schemes the banks or financial institutions are perpetrating. This is a topic that is
a little touchy for most people because depending on where you are in the
spectrum of how much you’ve been exposed to this material, you may have a
different reaction and a different opinion about what I’m about to tell you.

Either way, if you are reading this, I’m going to gather that you are interested in
this and you are in a position where this might be helpful. If you are in debt right
now with a student loan, I think it is imperative at this very moment that you get
out of that debt as soon as possible because there is a shit storm about to happen
financially in America, and all over the world. It’s already happening in the
middle east and you’re seeing the fall out in Europe (i.e. Greece etc.) as the
Financial Terrorists go into all these countries and rape them for everything
they’re worth.

Essentially, we have to understand right now, when you look at your student loan
debt, this debt that you owe is all basically a big pile of shit. I’m using strong
language because it is what it is, total and utter bullshit. It is a scam, a ponzi
scheme of the most sickest minds and by design to implode on itself and create
what is happening right now. For instance, for an even deeper and sicker
purpose, but I don’t want to get into that right now, I want to focus on how this
applies to you right now. So, I’ll tell you a quick story on how the banking system
or the banking ponzi scam really works.

Basically, once upon a time there was something called the United States of
America. That does not exist anymore. We don’t live in that same world, forget
politics, forget what you see on the news, that’s all just a puppet show. The real
things are happening behind the scenes by the Global Elitists, Globalist, some
people call them the Aluminates. It’s people who control the financial system and
who pull all the strings. It’s all based on printing money and dominating humanity
through their greater capacity to design and understand the financial system and
you not really understanding what is going on. There is absolutely no money
anywhere in the world. It’s all just Fiat currency.
 3

When you apply for a student loan or a credit card for example, you are not the
debtor, you are the creator of the debt. I know, it’s a little bit of a mind bend, and
before I go on, let me just tell you, I’m just explaining to you in a very basic way in
this short message to you and you probably might not get it, if this is the first time
you are exposed to this kind of material. The material I’m going to show you
about how to eliminate your student loan debt LEGALLY, I recently did this to free
some of my family members of their student loan debt and it was extremely
liberating. It allowed us to start thriving during this time and using our resources
to prepare instead of pouring it into a black hole designed to fail and turn you into
an economic slave.

So, where was I… ok, the banking scheme, the ponzi scheme… So when you apply
for a student loan or credit card, you sign a signature on some sort of a contract
which is actually illegal for many reasons. It’s an illegitimate contract. When you
apply for a student loan or credit card, there is no money in the bank. The bank
doesn’t have a big pool of money account for student loans and/or credit cards to
just transfer over $10,000.00 (or whatever sum you apply for) to you, and say
here you go, here’s your student loan money and go pay your tuition and pay us
interest on that. It basically magically appears out of thin air, out of something
they call a fractional reserve banking system.

The fractional reserve banking system is actually a ponzi scheme that was
invented almost 100 years ago now by the big banks like J.P. Morgan to basically
enslave humanity and make a lot of money for the people at the very top. It
basically states that if a bank has 1 dollar, it can lend out $10.00 out of that one
dollar and in Canada it’s even worst because it’s infinite. It is absolutely insane.
It’s just printing money out of thin air. There’s no collateral, there’s no value,
there’s no cash anywhere, so when you get a student loan, you are not getting any
money, you are basically getting virtual money. There’s no value in the exchange
the bank puts up and in fact, the bank knows this and it’s legal. The bank sells the
contract which you sign for, when you applied for your student loan or your credit
card to something they call the securities market.
 4

REMEMBER THE MORTGAGE CRISIS IN AMERICA IN 2008-2009??? This is

exactly what happened and the whole thing came crumbling down and caused the
recession. If your student loan is, for example $10,000.00 with an annual interest
of 17%, that might be worth $15,000.00 on the securities market. The banks now
take that and sell it on the securities market, so not only are you now paying
monthly fees that they are getting from you and interest that they are getting from
you, but they have already sold your contract on the securities market and they
have made money 3 times, 4 times, 5 times 10 fold off of your little signature.
This practice by the financial institutions works the same for credit cards as well.
Your signature is the only thing that creates the money in this system. You are
basically pledging your life and energy to create this money.

Now, I know that might not make a whole lot of sense and it didn’t make sense to
me at first when I heard it and I had to get my mind around it many times and talk
with people who know about this because the system is so brilliantly designed
that only 1 in 1,000,000 people will actually figure out what’s really going on. You
see, everything economically right now happening in the United States, the huge
collapse, the implosion of the super power, is all engineered by design for other
greater purposes. But it’s engineered in such a brilliant way that most people just
have no idea what is happening. So how does this apply to you right now? How
do you get out of student loan debt legally? You essentially just call the bank on
their bullshit. You call the bank on their insanity and once they know you know
what they are doing, your debt is basically just a write off and it disappears.

Sounds miraculous? Sounds too good to be true? It really is just common sense. If
you have a friend and he’s lending you money, and you find out he’s lending you
counterfeit money, and you say HEY you’re lending me counterfeit money, here’s
the proof, what is he going to do, he’s probably going to run and hide. So anyhow,
after this short blurb of me talking about this, I realized that the best thing for you
to do right now is probably just go down below and see the information
presented, and when you’re done and ready to take action, you follow the
information step by step, exactly and eliminate your student loan debt.

Now this whole philosophy also applies to the mortgage fraud which is being
perpetrated on everybody. If you own a house and you have a mortgage, you are
basically being financially raped by sick kleptocratic maniacs. The reason why I’m
exposing this information is because now there are more people with student
loan debt than there with credit card debt. It’s to the point now where people
question whether or not it’s worthwhile to take on a student loan debt because of
fear of not being able to pay it off. If you follow this information step by step and
have some balls, you will see how easy it is to legally eliminate your student loan
debt.

It is important to note that what you are doing here is your asking for the original
instrument of indebtness. If a financial institution cannot provide you with this
original instrument of indebtness, then you do not owe this debt. Whoever owns
 5

the original instrument of indebtness owns the debt. As I said earlier, once you
put your signature on that piece of paper, the financial institution will then sell
that debt on the securities market so they NO LONGER have the original
instrument of indebtness and therefore YOU NO LONGER OWE THEM ANY
MONEY. This is exactly what Walter Keen explained in court and was able to have
several homeowners in Utah have full title of their property during the mortgage
crisis.
 6

Dealing with Student Loan debt, Credit Cards etc.

NOTES:

The concepts outlined in these documents will also work for most Court Orders to
pay. Simply change the wording such that you are requesting confirmation that
the court will accept payment in consideration of their delivery to you of the
original order, as duly executed by *** (Judge name) and in its original form
(which is the original instrument of indebtedness).

This process will not work with private lenders because in most cases they can
and will produce the original instrument of indebtedness.

If you receive any communication from a collection agency or lawyer representing

the financial institution, you should follow the concepts outlined in the below
letters but ONLY in direct correspondence with the financial institution.

NEVER respond to a lawyer or collection agency with anything other than

the concept outlined in Letter 4.

Attached also is the exact method being used to literally legally eliminate a credit
card debt but rest assure, the method works exactly the same for student loan
debt.
 7

Letter # 1:
This is an exercise in Equity. It is for use with just about any type of financial obligation
issued by a licensed financial institution, mortgage, credit card, bank loan etc. (Does not
work if the loan is from a “private” source.)

(Date)

To
Address
Address
City/State
Pcode/Zip

Re: *** (Student Loan Debt)

Account Number: ***

To Whom It May Concern:

I would like to make arrangements to settle the above referenced matter.

Please provide me with your statement of the amount owing as of *** (pick a date, maybe 2
weeks out, for example), together with your assurance that you will accept payment in direct
and immediate exchange for the original instrument of indebtedness in its original form.

Thank you very much.

(Your Name - sign above)

 8

Letter Number 2A:

For use with adjustments in most cases when you receive the initial response from Letter 1
above, where they confirm an amount owing and provide some comment that the
“statements” or some other lame documentation they provide are evidence of the obligation.

(Date)

To
Address
Address
City/State
Pcode/Zip

Re: *** (Student Loan)

Account Number: ***

To Whom It May Concern:

Thank you for your letter of dated ***, wherein you confirm my outstanding balance as
requested.

Also, you have confirmed that the “statements that *** (name of institution here) sends, are
your evidence of your indebtedness to the Bank”. (This is a quote from actual bank letter
and wording may vary slightly, but should where possible be quoted from their letter.)

Accordingly, would you please confirm that the Agreement that exists between us which
ratifies this specific application of these “statements” and confirms me as the party obligated
to the Bank will be delivered to me as the original instrument of indebtedness in its original
form, in exchange for payment in full of my obligation as may be referenced by these
“statements”.

Sincerely,

(Your name here – sign above)

 9

Letter Number 2B:

For use with adjustments in other cases when you receive the initial response from Letter 1
above, where they confirm an amount owing and simply ignore the second part of the
request.

1. Letter 2B is just firming up their refusal to allow you to exercise your equity in
redemption. By refusing to acknowledge that right they have refused to accept
payment in the process. That settles the matter legally and financially.

(Date)

To
Address
Address
City/State
Pcode/Zip

Re: *** (Student Loan Debt)

Account Number: ***

To Whom It May Concern:

Thank you for your letter dated *** wherein you confirm my outstanding balance as
requested.

It is apparent that you have overlooked or ignored my request to confirm that you would
accept full payment of the alleged obligation from me in consideration of your delivery to me
of the original instrument of indebtedness in its original form.

Accordingly, unless I receive your written confirmation that you will accept payment from me
in consideration of your delivery to me of the original instrument of indebtedness in its
original form on or before *** (pick a date like 15 days from sending the letter), I will
conclude that you are either unable or unwilling to comply, and I will thereafter consider the
matter between us to have been legally and financially settled.

Sincerely,

(Your name – sign above)

 10

Letter Number 3:
For use with adjustments in other cases when you receive NO response from Letter #1
above.

(Date)

To
Address
Address
City/State
Pcode/Zip

Re: *** (Student Loan Debt)

Account Number: ***

To Whom It May Concern:

I have sent you my request dated *** for you to confirm the balance owing on the above
referenced matter and for you to confirm that you would accept full payment of the alleged
obligation from me in consideration of your delivery to me of the original instrument of
indebtedness in its original form.

It is apparent that you have overlooked or ignored my request. Accordingly, unless I receive
your written confirmation that you will accept payment from me in consideration of your
delivery to me of the original instrument of indebtedness in its original form on or before***
(pick a date like 15 days from sending the letter), I will conclude that you are either unable or
unwilling to comply, and I will thereafter consider the matter between us to have been legally
and financially settled.

Sincerely,

(Your name – sign above)

 11

Letter Number 4:
For use with when terminating communication from financial institution‟s lawyer or collection
agent.

(Date)

To
Address
Address
City/State
Pcode/Zip

Re: *** (Student Loan Debt)

Account Number: ***

To Whom It May Concern:

I confirm that I have received a written communication from you dated *** wherein you make
reference to the above captioned matter.

It is apparent that you are acting on the presumption that some relationship that you may
have with *** (name of bank), is in some way related to me. I am not a party to this implied
relationship you have with *** (name of bank), either directly, indirectly or by means of any
tacit consent.

Accordingly, I do not understand how to respond to you inasmuch as I am unaware of any

contractual relationship between us.

As a courtesy and because you may find it helpful, I have attached recent correspondence
between myself and *** (name of bank), wherein I have repeatedly offered to settle the
mater between myself and *** (name of bank).

Sincerely,

(Your name – sign above)

Cc: *** (name of bank - send a copy of this letter to the bank)
 12

Letter Number 5:
Alternate for use with when terminating communication from financial institution‟s lawyer or
collection agent.

(Date)

To
Address
Address
City/State
Pcode/Zip

Re: *** (Student Loan Debt)

Account Number: ***

To Whom It May Concern:

I confirm that I have received a written communication from you addressed to myself and
dated *** wherein you make reference to the above captioned matter.

It is apparent that either:

1. You are acting on the presumption that some relationship that you may have with ***
(name of bank), is in some way related to me, which if such presumption is the case, I
confirm that I am not a party to this implied relationship you have with *** (name of bank),
either directly, indirectly or by means of any tacit consent, and accordingly, I do not
understand how to respond to you inasmuch as I am unaware of any contractual
relationship between us; or

2. You have entered into a contractual relationship inclusive of evidence of

consideration paid to or agreed to be paid to *** (name of bank), which contractual
relationship has caused you to become the legal holder in due course of an alleged
obligation between myself and (name of bank).

If indeed you have entered into such a contractual relationship with *** (name of bank), as
set forth in clause ii) above, then I hereby confirm that I accept your offer to reduce the
amount of the alleged obligation from $*** to $0.00 and I confirm that I would like to make
arrangements for settlement of the above referenced matter immediately upon you providing
me with your written and legally binding assurance that you will accept payment in full
settlement of this alleged obligation in direct and immediate exchange for the original
instrument of indebtedness in its original form that you must now be holding pursuant to the
aforesaid contractual arrangement between you and *** (name of bank).

Sincerely,

(Your name here – sign above)

NOTE: underlined portion in last paragraph may be omitted if not applicable.

 13

HERE IS THE EXAMPLE OF THESE LETTERS IN ACTION.

LETTER NUMBER 1:
Letter 1 is an exercise in equity. It is for use with just about any type of financial
obligation issued by a licensed financial institution ie. mortgage, credit card, bank loan
etc. (Does not work if the loan is from a “private” source).

The original instrument of indebtedness refers to the original contract we signed with
the bank where we promised to "pay".

Their reply below:

 14

LETTER NUMBER 2B:

In this case letter number 2B was used instead of 2A. It is for use with adjustments in
cases when you receive the initial response from Letter 1 above, where they confirm an
amount owing and simply ignore the second part of the request.

Letter 2B is just firming up they're refusal to allow you to exercise your equity in
redemption. By refusing to acknowledge that right they have refused to accept payment
in the process. That settles the matter legally and financially.
 15

In this case, because there was no proof that they had received letter 2B above,
another week was given to respond, and sent the letter below on a signature required
courier.
 16

Now the National Bank know exactly what I am requesting and know that they are
obligated to produce the original instrument of indebtedness in its original form upon full
settlement of the debt.

Notice that they will not make reference to it on paper as they know they cannot
produce it. They want to speak on the phone (which they record) and coax you into
acknowledging that you signed the contract, therefore obtaining verbal proof that you
signed something promising to pay. They will then try and use this as evidence in court.

However this will never be going to court because there is no dispute. We simply want
to settle the account and they are dishonouring our will.
17
 18

A scary letter that they hope will make you drop your sack of rocks and pay up. At this
point the bank is in dishonour because you will have proved inequity between the
parties which has invalidated the contract.
 19

This letter got lost down the back of the couch somehow and was found after this whole
scenario was over. It proves how close we are as the human being who sent the letter
has gone AWOL and the letter is signed by a computer. No-one at the bank wants to
take responsibility for demanding a debt which can‟t be proven.

I update my telephone details with the bank and let them know that if they wish to
discuss the matter further (which is now legally and financially settled) they should do
so in writing.
20
 21

A scary letter from the lawyers. Hit them with letter number 4.
 22

LETTER NUMBER 4:
For use with when terminating communication from financial institution‟s lawyer or
collection agent.

The lawyers have also failed and the letter is forwarded to the bank who know they do
not have a legal leg to stand on. They resort to quoting the code of banking practice,
(an internal banking industry document governing their behavior - not ours) which is
about as relevant as snow white and the seven dwarves. Do not respond.
 23

The debt collectors get involved. They wack a $2,000.00 collection fee on top, rub
they're hairy palms together and give me two weeks to either pay up or provide a valid
reason for non-payment.
24
 25

LETTER NUMBER 5:
I send the debt collectors letter number 5 (a more elaborate version of letter number 4)
to terminate communication.
 26

They replied with the following letter confirming that the contract that they are acting
upon is one which THEY have made with the National Bank Ltd. We are not a party to
this contract so we have nothing to fear.

To illustrate this: If John makes a contract with Mark to collect $15,000 off Jimmy, does
Jimmy have to give Mark $15,000?

No! -Unless Mark can prove that Jimmy owes $15,000 to John.

Do not respond.
 27

Further to this process it is likely the collection agency will list your "default" against
your good name with your national credit reporting agency. This is the only real threat
they have now. Be sure to check and if they have tarnished your record, let them know
that it is the bank who is in default and not you.

In New Zealand Veda Advantage Ltd list our credit information. As presumed (shown
below) the default had been listed. The score is 392 and is dangerously close to the
red. This is not good.

All we need to do is forward all our correspondence with the banks and their minions to
Veda Advantage Ltd and have them investigate the matter as follows:

There are no scanned versions of these letters below.

 28

24th July 2010

Veda Advantage NZ Ltd

Re: Inquiry Number XXXXXXXXX

Dear Xxxx
Thankyou for your reply of Friday 23rd June 2010,

Attached is all my correspondence with the National Bank with whom I apparently
owe $12,841.17. As you will see I have offered on numerous occasions to settle
the amount owing in full upon their assurance in writing that they will provide me
with the original instrument of indebtedness in its original form.

You will see in my letters dated 11th January 2010, 20th January 2010 and 8th
February 2010 that I have repeatedly made these offers. The National Bank on
every occasion has either overlooked or ignored my requests to exercise equity in
redemption and by refusing to acknowledge that right they have refused to accept
payment in the process. That settled the matter legally and financially on 4th
February 2010 however as a courtesy I gave them another 10 days to respond
which they did not. This settled the matter once and for all on 15th February 2010.

I have since been harassed by Gibson Sheat Lawyers and Baycorp with whom I
have no contractual relationship. They are third party interlopers, have no
knowledge of the matter between myself and the National Bank, and have no
business what-so-ever harassing me. However, as a courtesy I have kindly
offered both these agencies settlement in full on the amount owing upon their
assurance in writing that they will provide me with the original instrument of
indebtedness in its original form which binds myself and these agencies. Neither
of these agencies have offered to accept payment from me on either occasion.

To date neither the National Bank, Gibson Sheat Lawyers or Baycorp have made
any reference to the original instrument of indebtedness in any of their
correspondence. It seems to me that there is no original instrument of
indebtedness in existence which again settles the matter legally and financially.

I would appreciate if you would review my documentation and obtain a statement

of facts from the National Bank outlining exactly why they cannot produce the
original instrument of indebtedness, why they have had their lawyers harass me
for a nonexistent debt and why they have referred this non-existent debt to a debt
collection agency.

Sincerely
Xxxxx Xxxxxx Xxxxxxxxx

Their reply, which follows, was emailed back to me along with an updated PDF version
of my credit report shown below.
 29

Thu, Aug 19, 2010

Dear Mr Xxxxxxx,

Re: Your Credit File Information.

Thank you for your patience in this matter.

Please be advised that having further reviewed the information provided to date
we are satisfied that a form of dispute was raised prior to the default being listed
by Baycorp on behalf of The National Bank. For this reason the default has been
removed from your credit file and Baycorp have been informed of our decision.

Please be aware that the other parties concerned (Baycorp and National Bank)
may choose to pursue you for the outstanding balance as they still believe that
you owe this debt and may pursue you via other means, such as the Disputes
Tribunal and the Courts.

Please find attached an amended copy of your credit file and a copy of „Your
Rights‟ explained brochure, for your information.

We trust this clarifies our position in this matter.

Yours faithfully

Xxxxx Xxxxxxxx
Investigations Officer
Veda Information Services and Solutions
Veda Advantage (NZ) Ltd

Below is the freshly amended credit report on file at Veda Advantage showing 0
defaults and a score of 647 back up in the green where it should be. This is a .jpg taken
from the PDF version of my credit report which Veda Advantage included in their email.
 30

Further to all this we have sent the following letter to the National Bank requesting more
information and they will not respond.
 31

In December 2010 Baycorp confirm in writing that the original instrument of

indebtedness (the application) no longer exists!
 32

I get on the phone to Baycorp and obtain the name of their most senior agent. I send
him the following letter in December 2010. I have not heard from Baycorp since.
 33

COLLECTIONS MANAGER
BAYCORP (NZ) LIMITED
PRIVATE BAG 92063
VICTORIA STREET WEST
AUCKLAND

11th December 2010

Xxxx Xxxxxx Xxxxxxxx

PO Box XXXXXXX
XXXXXXXXXX
XXXXXXXXXX

Re: XXXXXXXXXXXX-BCS

Dear Mr Bxxxxxd Axx

Mr Xxxxx XXxxxxx Xxxxxx has received communications from your company dated
10th May, 19th July, 15th September, 28th September, and 6th December.

I understand it to be you who is accountable for actioning these letters.

In none of these communications has any evidence been provided confirming that Mr
Xxxxx XXxxxxx Xxxxxx is a party to any contractual agreement with BAYCORP LTD
or your client THE NATIONAL BANK.

You have unsuccessfully attempted to tarnish Mr Xxxxx XXxxxxx Xxxxxx credit rating
with Veda Advantage and continue to send threatening letters in the post.

Take note that if Mr Xxxxx XXxxxxx Xxxxxx receives any more unwarranted
communication in any form from you or the company who controls you I will take the
appropriate measures to ensure you are held personally accountable for the harassment.

If it is not you who is accountable for the harassment then please provide the name and
position of the person within BAYCORP LTD who is.

Sincerely,
Agent for MR Xxxxx XXxxxxx Xxxxxx
 34

We encourage every single one of you to call the banks out

using the concept outlined in these letters.

In times such as these it is our duty to keep these financial

institutions in check by doing so. The consequence of not doing
so is a world controlled by global power elite who are out for
total control of the entire world.

Their one world currency/one world government agenda is

less than two years away from completion. However, they will
not succeed, as it is we who give the banks power by using their
worthless paper and we will do it no more!

Its time to wake up! Give to those who ask of you with no
thought of return. If we can all have enough faith to live this
reality we can in turn create heaven on earth.

PS. Watch the news tonight and take note how many of their
miserable stories are money related. Think about how much
grief money causes on this planet and try and imagine a world
where all you need to do is ask and everything you need will be
provided.

Down with the money changers!