Product: Debt collection

I come now to exercise my lawful right to question the validity of this debt your agency claims has come due. THIS is not a refusal to pay but serves as NOTICE. Im requesting under the authority of the Federal Accounting Standards Advisory Board ( FASB ) Generally Accepted Accounting Principles, GAAP and Generally Accepted Accounting Standards GAAS reporting, FAS140 Offsettings of financial assets and liabilities, FAS125 securitization accounting, FAS 133 derivatives on hedge accounts, FAS5, FAS 95, S3 Registration and FAS 140 as relates to UCC 3-305, 306. Notably, their decision-making process, rescinding all blank endorsements, returning all security interests, and reinstating or replacing the closed account, addressing the undue hardship caused by their negligence on the account, and improving communication channels to prevent future misunderstandings as fundamental. 

As referred to in the Truth-In-Lending-Act ( TILA ) 1604 ( e ), 15 U.S.C. 1601 et seq. ( 1968 ) and 1692 et seq., and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g to Cease and Desist collection actions and validate the alleged consumer debt. 

We are requesting copies of all Documents since the consummation of the loan to further ensure a Validation of Debt and a Request for accounting. 

We have several concerns here. We have never contracted with First Financial XXXX XXXX. We have never nor does the contract stipulate that our note could be securitized and traded on the open market for profit without our knowledge and if sold, we were to receive written notice to whom it was sold. 

It appears that Enterprise Mobility has attempted to assign the debt to First Financial XXXX XXXX and failed to notice us while also selling the note to an unknown party without Notice XXXX of the sale which in itself is a violation of the agreement. With the assignment of the agreement there has been a separation in parties leaving the Note holder with an unsecured debt. 

We have never received notice from anyone regarding the sale of the note and demand that you provide said notices. 

Now First Financial XXXX XXXX, another stranger to us, sends us letters threatening debt collection action. Without proof that First Financial XXXX XXXX has the authority to enforce the debt, collect payments, or even contain source documents without my acknowledgement sending anything to us, let alone make threats, we have no reason but to believe our Federal Protected rights are being violated. As we have never received notice from the original servicer telling us that XXXX XXXX has such authority. We are requesting proof of said authority by providing original documents. Copies or facsimiles will not be accepted. 

According to the agreement, specifically the Sale of Note, Change of Servicer : If there is a change in the Loan Servicer, the Borrower will be given written notice of the changes. 

We demand to see the notices from the Enterprise Mobility as required by law and not from First Financial XXXX XXXX or Enterprise Mobility. The issue at hand is simple, the agreement requires the servicer to send us notice that they have sold or assigned the servicing rights otherwise we have no way of knowing that XXXX XXXX or First Financial XXXX XXXX have the right to collect or enforce payment on behalf of the owner of the note.