Consumer complaint received 2023-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland credit management. These people are funny. I asked for confirmation of debt. Let me refresh your memory. A confirmation of debt is wet signatures. This is the only form. A bill or statement is not a confirmation of debt. I must not speak the English language well. If I got this correctly the original credit I supposed took this debt and wrote it off and then you bought the debt. This is double payments. Sounds like fraud to me. 


I, XXXX, XXXX agent to said principle XXXX XXXX  XXXX hereby accept all titles, rights and interests owed to principal XXXXXXXX XXXX XXXXXXXX XXXX I hereby instruct ceo of this account to apply the principle balance to said account of full amount each month. If these instructions can not be honored please respond thorough the mail giveing details. Of non-acceptance if you do not send anything it stands that you have accepted my offer and moving forward als. 

By : XXXX, XXXXagent Without recourse ucc1-308 Midland credit management I, XXXX XXXX XXXX , authorized Representative, am sending the coupon of the account summary to full amount as payment for what I owe. I have recently learned that a coupon is a way of paying according to ucc 3-104. I noticed that you have sent these coupons and ask me to remit them with another check or money order or check and then you redeemed both. That is double dipping of course and is illegal. 

I am potentially willing to overlook this crime as long as you accept this legal form of payment, so I am sending the payment coupon to be accepted as the payment coupon to be accepted as the payment. Per Ucc 3-603 ( b ) if tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and tender is refused, there is discharge extent of the amount of the tender, of the obligation to which the tender relates. 

If you reject the payment coupon or claim to have shred it, I still expect you to follow the law and discharge the debt. 

Here are some definitions to clarify what I am talking about just to refresh State statues and codes if you need a refresher. 

Instrument : A written legal document such as a contract, lease, deed, will or bond. These instruments are worth their face value so the amount to be discharged will be the amount I have written on the volucher. If you refuse to accept a negotiable instrument I will send the Irs a 3949A and I have enclosed a copy of my fee schedule and I will be entitled to collect accordingamounts listed on my fee schedule. 

Volcher : a small printed piece of paper that entitles the holder to a discount, or what may be exchanged for goods and services. 

Sincerely and without Ill will, : XXXX XXXX XXXX, beneficiary and authorized representative without recourse All rights reset without prejudice Part of my evidence of banking fraud. 

XXXX XXXX XXXX  XXXX XXXX 1969 XXXX XXXX Decision In 1969 XXXX XXXX was challenging the foreclosure of his house by the bank which provided the loan to purchase it. He argued the bank had to put up a legitimate form of property for the exchange. In legal terms this is called consideration. XXXX XXXX explained the money was not the property of the bank because it was created out of nothing as soon as the loan agreement was signed. A book called money modern mechanics from federal reserve states banks can not loan money. Banks take promises we to pay and exchange them for credits basic book keeping .Reserves are unchanged by the loans transaction, but deposit credits produce new editions to the total deposits to the banking system. The money does not come out of their existing assets the bank is inventing the money out of thin air and putting nothing up of value. The banks president XXXX XXXX admitted under oath that the bank created the money with bookkeeping entries with the federal reserve bank. The money came in effect when the bank created it. XXXX XXXX admitted that there was no statue or code that gave him permission or authorization to do so. A lawful consideration must exist and be tendered to support the note. The jury found out there was no lawful consideration at all. XXXX XXXX kept his house for free. Everytime you borrow money from a bank morgage, credit card etc. the money is not only illegal and counterfeit it is not a form of consideration and voids the contract to pay because the bank never had the money as property. The judge was found poisoned. This whole case seems like fraud to me. 

United States constitution Article one section 10 clause one states : No state shall enter into any treaty, XXXX, or confederation, grant letters of marque, emit bills of credits, make anything but hold and silver coins a tender of payment of debts, pass any bill of attainder, e post facto, or law impairing the obligation of contracts, or grant any title of nobility. 

There was no contract between me or any bank.

Company response to consumer: Closed with explanation