Qualified Written Request under the Mortgage Servicing Act of RESPA and Request for Information

Related to the Owner and Holder of ote under the !ruth in "ending Act
In the Matter of#
$ohn Q% Pu&lic
Mar' E% Pu&lic
(((
)it' State *IP
SS#
+ile ,ate#
Our +ile o#
-our Account o# ./01234567
,ear Sir or Madam#
Please treat this letter as a 8qualified written request9 under the +ederal Servicer Act: which is a ;art
of the Real Estate Settlement Procedures Act: ./ <%S%)% /372=e>% !his request is made on &ehalf of
m' )lients: the a&ove?named de&tors: &ased on the ;ending dis;ute in their )ha;ter .0 case a&out
the ;ro;er a;;lication of ;a'ments from the )ha;ter .0 !rustee and from the de&tors to interest:
;rinci;al: escrow advances and e@;enses =in that order of ;riorit' as ;rovided for in the loan
instruments>A a&out 'our use of sus;ense accounts in connection with 'our recei;t of !rusteeBs and
de&torsB ;a'mentsA a&out 'our use of legac' late charges with res;ect to ;ost?;etition mortgage
;a'mentsA a&out 'our use of automaticall' triggered ;ro;ert' ins;ections and &roCer ;rice o;inion
charges and fees &ased on ;re?;etition legac' accounting for ;re?;etition arrearsA and a&out legal
fees and e@;enses that have &een attached to this account in the form of cor;orate advances that
have neither &een a;;lied for nor a;;roved &' the <nited States DanCru;tc' )ourt% S;ecificall': I am
requesting the following information#
.% A com;lete and original life of loan transaction histor' ;re;ared &' the Servicer from its own
records using its own s'stem and default servicing ;ersonnel%
/% A co;' of 'our Ee' "oan !ransaction histor': &anCru;tc' worC form: or ("S s;readsheet of all
accounts associated with this mortgage loan =this would include &oth recovera&le and non?
recovera&le and restricted and non?restricted accounts>%
0% !he !ransaction )odes%
1% !he )ode definitions in ;lain English%
2% Please attach a co;' of the MERS Milestone Re;orts and MI Re;orts%
3% Please identif' the full name: address and tele;hone num&er of the current holder of the original
mortgage note including the name: address and ;hone num&er of an' !rustee under the !rust or
other fiduciar'% !his request is &eing made ;ursuant to Section .31.=f>=/> of the !ruth In "ending
Act: which requires the servicer to identif' the holder of the de&t%
4% )o;ies of all collection notes: collection records: communication files or an' other form of
recorded data with res;ect to an' communications &etween 'ou and the de&tor%
5% An itemiFed statement of the full amount needed to reinstate the mortgage as of the date of 'our
res;onse along with an itemiFed ;a'?off statement%
6% )o;ies of all written or recorded communications &etween 'ou and an' non?law'er third ;arties
regarding this mortgage =including &ut not limited to "PS ,esCto; communiquGs: ew!raC
communications: ewInvoice transmittals: ewlmage transmittals: electronic communications &'
email or otherwise: collection notes: and an' other form of written or electronic document related to
the servicing of or ownershi; of this loan>%
.7% All P?076 screen shots of the histor' all of the accounts =;rinci;al: interest: escrow: late charges:
legal fees: ;ro;ert' ins;ection fees: &roCer ;rice o;inion fees: statutor' e@;ense fees: miscellaneous
fees: cor;orate advance fees: etc%> associated with this loan%
..% In accordance with Section .0.=f> of the !ruth?in?"ending Act: .2 <%S%)% Section .31.=f>: ;lease
;rovide me with the full legal name: street and mailing address: and tele;hone num&er of the true
owner and holder of the ;romissor' ote signed &' m' clients and secured &' the deed of trust in
m' clientsH mortgage loan referenced a&ove%
!o the e@tent that the servicer of this mortgage loan has charged the de&torBs mortgage loan
account: su&sequent to the filing of their &anCru;tc' case: an' a;;raisal fees: &roCer ;rice o;inion
fees: ;ro;ert' ins;ectionI;reservation fees: legal fees: &anCru;tc'IProof of )laim fees: recovera&le
cor;orate advances and other fees or costs that were not disclosed to the de&tor=s> and a;;roved &'
the &anCru;tc' court: the de&tor=s> dis;ute=s> an' such fees and costs and s;ecificall' requests that
the account &e corrected%
With &est regards: I remain%
Jer' trul' 'ours:
If 'ou send the contract &acC within 0 da's with this stuff written at a 12 degree angle in red 'ou are
then legall' covered so 'ouHre not lia&le to ;a' an'thing#?
RE+<SA" +OR )A<SE
WI!HO<! ,ISHOO<R
WI!HO<! PRE$<,I)E
WI!HO<! RE)O<RSE
O?ASS<MPSI!
SERJI)E RE$E)!E,
!his is the e@;laination of what this stuff means
PEA"!- )HARKE O!I)E =P)> =+IE> =)O!RA)!>
,ece;tion under the threat of a ;rice asCed for% A egotia&le InstrumentL
RE+<SE, +OR )A<SE #?
!his is a reMection of the contract that affects the result%
WI!HO<! ,ISHOO<R #?
Remaining in honour in contract law while refusing to maCe an' ;a'ment%
WI!HO<! PRE,$<,I)E #N
!erminate and dismiss a contract% othing said or done is admissi&le in an' trial% Protection from
lia&ilit' which can onl' &e waived &' the consent of &oth ;arties% -ou cannot use this document
against me in a true court of law%
WI!HO<! RE)O<RSE #N
!he act of overturning the a;;lication to a ;erson or thing for securit' or aid and cancel the right to
demand ;a'ment from the endorser of the original stationar' contract of dece;tion i%e% the P)%
O?ASS<MPSI! #N
He did not ;romise% With no ;romise whatsoever% ,enial of action% With no guilt im;lied%
Frederickson Internal Limited tried it on. My reply::
October 24th, 2009
Recorded Delivery
Tracking Number: ZI !"# $### "%&
Fredrickson International Limited
PO Box 260
Weybride
!"rrey
#$%& 0'(
)ear !irs,
*otice and )emand
D' N'T I%N'R( T)I* N'TI+(
*otice to Princi+al is *otice to ,ent- *otice to ,ent is *otice to Princi+al.
Regarding your Re,erence: T)-.///////, dated ""nd 'ctober0 "##1.
Please read the /ollo0in notice thoro"hly and care/"lly be/ore res+ondin. It is a
notice. It in/orms yo". It means 0hat it says.
*otice is hereby i1en that yo"r claims are ins"//icient, and are hereby re/"sed /or
ca"se, 0itho"t dishono"r, d"e to the /act yo" ha1e +resented no e1idence o/ yo"r
ca+acity as either2
%. a bona /ide +arty to any contract in 0hich I am also a +arty- or
2. an aent o/ a bona /ide +arty to any contract in 0hich I am also a +arty- or
&. a holder in d"e co"rse o/ any debt to 0hich I am obliated.
,bsent any e1idence o/ ca+acity, I ha1e no obliation to either con/irm or deny any
contract"al relationshi+ 0ith the alleed creditor mentioned in yo"r corres+ondence.
,ccordinly, yo" are hereby i1en notice that yo" are in a condition o/ esto++el 0ith
reard to yo"r claims.
3+on recei+t o/ reasonable e1idence o/ s"//icient ca+acity, I 0ill i1e this matter timely
attention. I 0ill deem the /ollo0in to be s"//icient e1idence2
, com+lete co+y o/ any and all contracts 0hich a//ect yo"r relationshi+ 0ith the alleed
+rinci+al, as they a++ly to the abo1e4re/erenced matter. !aid contracts m"st be certi/ied
5tr"e, correct, and com+lete5 by a//ida1it sined "nder +enalty o/ +er6"ry, by a +rinci+al
o//icer o/ yo"r com+any in a +osition to kno0 all the details o/ yo"r com+any7s
relationshi+ 0ith the alleed +rinci+al, in his or her +ersonal ca+acity. $he a//ida1it m"st
also either com+letely describe any additional 1erbal, constr"cti1e, or im+lied contracts
yo" ha1e 0ith the alleed +rinci+al a//ectin this matter, or else certi/y that no s"ch
additional contracts exist.
!"ch e1idence to be s"bmitted 0ithin se1en 89: days o/ yo"r recei+t o/ this
comm"nication.
'o"r /ail"re to +ro1ide 1eri/ication o/ yo"r claim constit"tes yo"r areement to the
/ollo0in2
; that yo" are a third +arty interlo+er-
; that yo" ha1e no leal standin-
; that yo" ha1e no /irst4hand kno0lede o/ this matter-
; that yo"r claim is /ra"d"lent-
; that yo" 0ill +"rs"e this matter no /"rther.
F"rther, yo" aree2
; that yo" 0ill be held liable /or any damaes I s"//er in this matter-
; that any neati1e remarks made to a credit re/erence aency 0ill be remo1ed and
con/irmation o/ said remo1al sent to me 0ithin se1en 89: days o/ this comm"nication-
,ny +re1io"s ackno0ledement by mysel/ o/ any alleed debt is hereby 0ithdra0n as
ha1in been obtained "nder d"ress.
Please be ad1ised that I am kee+in a 0ritten record o/ all corres+ondence in this reard
and there/ore do not consent to disc"ss this matter o1er the tele+hone. ,ny tele+hone
calls reardin this matter, 0hether by an act"al +erson, or a com+"terised system 0ill
be deemed harassment "nder !ection % o/ $he Protection /rom (arassment ,ct %999,
and dealt 0ith accordinly.
Please notice that the commonly acce+ted +rinci+les o/ ood /aith demand that i/ yo"
ha1e any reasonable ob6ections to this Notice and Demand, that yo" immediately state
any and all s"ch ob6ections and not harbo"r any hidden ob6ections 0ith 0hich to s"r+rise
me later. $here/ore it is my reasonable ex+ectation that /or any +art o/ this Notice and
Demand o/ 0hich yo" do not o//er s+eci/ic ob6ections, by recorded deli1ery 0ithin
se1en 89: days o/ yo"r recei+t o/ same, that I may +res"me yo"r areement.
I 0ill +res"me yo"r silence to mean ac<"iescence.
'o" are hereby also noti/ied that /or my time s+ent readin, +re+arin, makin or
ans0erin comm"nications o/ any sort related 0ith this matter, 0ith yo"rsel/ or any
other aent, o//icer, associate or em+loyee o/ Fredrickson International Limited or any
other +arty, I 0ill a++ly /ees accordin to the /ollo0in sched"le, /or 0hich yo" aree to
be liable2
F(( *+)(D2L(
$ele+honic
con1ersations2
=200>ho"r or +art thereo/.
?mails2 =200 /or each and e1ery instance.
Letters2 =200 /or each and e1ery instance.
!incerely and 0itho"t ill 0ill, 1exation or /ri1olity,
@eronica2 o/ the Aha+man /amily
Without any admission of any liability whatsoever, and with all Natural, Inalienable,
Rights reserved.

T3ey responded: "We are accredited Agents for Thames Water"
*o 43at5 Letter back to Frederiksons 6not3ing 3eard since7:
October 24th, 2009
Recorded Delivery
Tracking Number: 8888888888888888888
Fredrickson International Limited
PO Box 260
Weybride
!"rrey
#$%& 0'(
)ear !irs,
*otice and )emand
D' N'T I%N'R( T)I* N'TI+(
*otice to Princi+al is *otice to ,ent- *otice to ,ent is *otice to Princi+al.
Regarding your Re,erence: T)-.11111111, dated 1t3 November0 "##1.
I re/er to yo"r letter o/ as abo1e, in res+onse to mine o/ the 24
th
October.
$he /irst line o/ my letter said2 BPlease read the following notice thoroughly and
carefully before responding. It is a notice. It informs you. It means what it says.C
)id yo" do thatD It a++ears not, beca"se my letter 0ent on the say2 BNotice is hereby
given that your claims are insufficient, and are hereby refused for cause, without
dishonour, due to the fact you have presented no evidence of your capacity as either
!. a bona fide party to any contract in which I am also a party"
#. an agent of a bona fide party to any contract in which I am also a party" or
$. a holder in due course of any debt to which I am obligated.C
*otice the +hrases IE1e "nderlinedD $hey are the im+ortant +arts.
I ne1er do"bted yo" ha1e some kind o/ arranement 0ith $hames Water. $hat 0as not
the iss"e. $he im+ortant <"estion 0as2 Whether or not I have a lawful contract with
Thames Water. That%s the part you have to prove, before being in the position of
demanding anything.
,nd I am still 0aitin /or said +roo/, beca"se yo"r letter o/ the 9
th
does not mention this
as+ect at all. It sim+ly asserts an arranement bet0een yo"rsel1es and $hames Water 4
and that is no concern o/ mine.
,s, and 0hen, yo" can sho0 that I ha1e a la0/"l contract 0ith $hames Water, then I 0ill
ha1e an obliation to +ay them F or yo"rsel1es as their ,ents.
(o0e1er, "ntil s"ch time as yo" can sho0 la0/"l +roo/ o/ some la0/"l contract in this
matter involving &y 'elf , I ha1e no obliation to +ay either yo"rsel1es, or $hames
Water one sinle +enny.
On the other hand, by sendin me yo"r letter, yo" ha1e contracted to +ay me the s"m o/
=200 /or the best4+art4o/4an4ho"r I s+ent res+ondin here 8see the Fee !ched"le in my
letter o/ the 24
th
October, 2009:. 'o" 0ill /ind notice o/ that in my letter, i/ yo" read it
aain 8more care/"lly this time:. 'o" may consider this letter to be an In1oice, and I look
/or0ard to recei1in yo"r che<"e by ret"rn.
I s"est that, in order to minimise yo"r costs, yo" 0rite back a letter admittin that no
s"ch la0/"l contract bet0een Gy !el/ and $hames Water exists, and that I ha1e no
obliation to deal 0ith yo", that I am "nder no obliation to yo", and that yo" ha1e no
la0/"l exc"se /or makin any demands "+on me.
I s"est yo" enclose that letter 0ith said che<"e. Failin that I 0ill ha1e no reco"rse
b"t to +"rs"e this matter accordinly, based on my letter o/ the 24
th
October, 2009 8/or
0hich I ha1e a BHecorded !ined /orC date I sinat"re:, and yo"r res+onse o/ the
9
th
*o1ember, 2009. 8,nd the /act that yo" 0ill ha1e sined /or this letter:.
!incerely and 0itho"t ill 0ill, 1exation or /ri1olity,
@eronica2 o/ the Aha+man /amily
Without any admission of any liability whatsoever, and with all Natural, Inalienable,
Rights reserved.

I return the citation to the issuing officer with . . .
RETURNED FOR CAUSE
WITHOUT COMMERCIA DISHONOR
AND NO RECOURSE
WITHOUT !RE"UDICE UCC #$%&'

((((((((((((((((((((((((thu)* +rint in re, in- as .our sea/
Signature