Vehicle loan or lease -- Managing the loan or lease -- Complaint #6305456

Complaint Overview

Complaint ID: 6305456

Company: Santander Holdings USA, INC.

Product: Vehicle loan or lease

Sub-Product: Loan

Issue: Managing the loan or lease

Sub-Issue: Problem with fees charged

State: Illinois

ZIP Code: XXXXX

Date Received: 2022-12-10T12:00:00-05:00

Date Sent to Company: 2022-12-10T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

a TRUST was formed between this CEO and SANTANDER CONSUMER USA with the creation of ACCOUNT # XXXX, whereby SANTANDER CONSUMER USA in receiving such did become TRUSTEE regarding said TRUST whereby this CEO did become the natural beneficiary. As TRUSTEE, SANTANDER CONSUMER USA did NEGLECT to REGISTER as a SECURITY the SOCIAL SECURITY CESTUI QUE TRUST XXXX XXXX XXXX XXXX instrument once such was provided by this CEO to initiate that TRUST ACTION that did create SANTANDER CONSUMER USA ACCOUNT # XXXX. XXXX This CEO did facilitate a further undisclosed CREDIT SALE pursuant to 15 USC 1601 ( h ) that was not given consideration that the DEBT associated with the XXXX XXXX XXXX XXXX with XXXX : XXXX that the ACCOUNT # XXXX did provide would be satisfied due to the NEGLIGENCE of SANTANDER CONSUMER USA to provide this information thereby making SANTANDER CONSUMER USA CRIMINALLY LIABLE under 15 USC 1611 and which violation does carry a {$5000.00} fine. pursuant to 15 U.S. Code 1681 ( o ) SANTANDER CONSUMER USA does owe this CEO {$1000.00} for emotional suffering, {$4000.00} for undue financial stress suffered by my family, {$1000.00} for the resulting divorce that did occur and an added {$1000.00} for the mental stress that this CEO did endure from SANTANDER CONSUMER USAs NEGLIGENT NONCOMPLIANCE pursuant to 15 U.S. Code 1681o ( a ) ( 1 ). In addition, as SANTANDER CONSUMER USA in their NEGLIGENT NONCOMPLIANCE did facilitate an UNAUTHORIZED USE of said SECURITY pursuant to 15 U.S. Code 1602 ( p ) whereby added damages of {$3000.00} regarding this CEO may be addressed. In Article I Section 8 [ 3 ] of the Constitution, beginning with [ 1 ] it states, The Congress shall have Power... To regulate Commerce with foreign Nations, and among the several States, and with the Indian Tribes. The Law, whatever that is, of the federal corporation uses commerce as its vehicle of jurisdiction. The enabling clause is that the person, whatever is meant by person, has engaged in interstate or foreign commerce. Commerce, as defined in Blacks Law Dictionary, Seventh Edition is the exchange of goods and services, esp. on a large scale involving transportation between cities, states, and nations. Statutory definitions include, Trade and other business activities between those located in different states ; esp., traffic in goods and travel of people between states. Notice is taken that statutorily We the People have been written in as commerce. The commerce clause was intended for fair trade not for tyrannical power to assume jurisdiction over the People. The Constitution does not reference We the People as being products of commerce, however, the statutory definition has taken the right of locomotion and movement guaranteed to the People, see Blacks Law Dictionary, Fifth Edition under liberty, and nefariously turned this into a licensed privilege under commerce to trap the People as commodities under the commerce clause. Nowhere in the Constitution are People listed as the subjects of the commerce clause. The Constitution clearly states, To regulate Commerce with foreign Nations, and among the several States, and with the Indian Tribes. Thus, the Accused is assuming jurisdiction over the People unlawfully. The officers and agents of the federal corporation have made the People into goods and property using the XIVth Amendment as their vehicle and, therefore, group the People into a commerce jurisdiction in order to usurp jurisdiction where jurisdiction does not exist. The Accused assumes silent judicial notice of jurisdiction through this unlawful means. 11 SANTANDER CONSUMER USA did present DECEPTIVE FORMS to this CEO in violation of 15 USC 1692J ( {$1000.00} PER FDCPA ) designed to create that TRUST ACTION forming ACCOUNT # XXXX, that were unlawfully designed, compiled, and furnished by SANTANDER CONSUMER USA with the knowledge that said form would create the false belief in this CEO that SANTANDER CONSUMER USA is the CREDITOR with a right to collect a DEBT of no less than {$12000.00} from this CEO as BORROWER/DEBTOR, when in fact, according to CONGRESS, the term CREDITOR pursuant 15 U.S. Code 1602 ( i ) means a consumer in reference to a credit transaction whom credit is extended from as a natural person and the subject of the consumer credit transaction is primarily for personal, family, or household purposes, which means SANTANDER CONSUMER USA by deeming itself a CREDITOR that approved a LOAN to this CEO as the DEBTOR/BORROWER is a VIOLATION of the TRUTH in LENDING ACT that has damaged this CEO and his family of three, all of which to fall under the definition of CONSUMER ( {$16000.00} ). Whereas CREDIT as CONGRESS defines in 15 U.S. Code 1602 ( g ) means the right granted to this CEO as the original creditor to defer payment, and whereas the UNITED STATES bears said OBLIGATION of PAYMENT pursuant to PUBLIC LAW 73-10 and 18 USC 8 , the DEBT as assessed by SANTANDER CONSUMER USA in regards to that repossessed XXXX XXXX XXXX XXXX with XXXX : XXXX as acquired by this CEO and beneficiary of the associated TRUST ACTION as created pursuant to the creation of ACCOUNT # XXXX was NOT satisfied by this CREDITOR and CEO despite this CREDITORS RIGHT to incur the payment from the US TREASURY to defer that necessary payment to facilitate the DEBT as assessed by SANTANDER CONSUMER USA due to the DECEPTIVE FORMS presented by SANTANDER CONSUMER USA as defined by 15 USC 1692J to be used by this CREDITOR and CEO to create ACCOUNT # XXXX, thus SANTANDER CONSUMER USA is liable for the fraudulently authorized use of this CEOS CREDIT CARD which includes although be not limited to this CEOS SOCIAL SECURITY CESTUI QUE TRUST FLOYD GILLIAM BANKSTM AND S.S. CARD XXXX that SANTANDER CONSUMER USA obtain money, goods or services whereby the ADDRESSEES shall be fined for {$10000.00} or imprisoned for 10 years or both pursuant to15 U.S.Code 1644 ( a ). The right of CREDIT granted to defer payment is a direct reference of the all OBLIGATIONS of PAYMENT belonging exclusively to the UNITED STATES pursuant to PUBLIC LAW 73-10 and 18 USC 8 whereas the OBLIGATIONS of PAYMENT belong not to this CREDITOR and CEO to whom such right was granted. Whereas said contract as received by this CEO from SANTANDER CONSUMER USA to facilitate ACCOUNT # XXXX was in truth an UNSOLICITED ADVERTISEMENT as described in 48 U.S.C 227 ( a ) ( 5 ) by SANTANDER CONSUMER USA that SANTANDER CONSUMER USA through both the FRAUD 12 OF EXECUTION and the FRAUD OF INDUCEMENT brought forth by SANTANDER CONSUMER USA as the true BORROWER or SOLICITOR in the contract might take advantage of the CEOS UNREGISTERED SECURITY as previously mentioned by SANTANDER CONSUMER USA taking advantage of an UNDISCLOSED TRIP to the UNITED STATES TREASURY window on behalf of this CEO to receive funds unbeknownst to this CEO at the time of the TRUST ACTION that created ACCOUNT # XXXX based on SANTANDER CONSUMER USAS WILLFUL NEGLECT to provide such information which is required to have been disclosed as is the FIDUCIARY DUTY of SANTANDER CONSUMER USA as the TRUSTEE participants in said TRUST ACTION. In bad faith, SANTANDER CONSUMER USA did choose to provide information that SANTANDER CONSUMER USA should have known to be false concerning the true and undisclosed DEBTOR/CREDITOR relationship it shares with this CEO and beneficiary, as a result, the addressees on behalf of SANTANDER CONSUMER USA will be held criminally liable pursuant to 15 U.S. Code 1611 with fines up to {$5000.00}, one year imprisonment or both should this CEOS written commercial presentment be dishonored. Benefits entitled to this CEO were willfully withheld by SANTANDER CONSUMER USA to defraud this CEO through extortion, securities fraud, tax fraud, embezzlement, theft of trust assets, larceny and identity fraud with CRIMINAL LIABILITY as mentioned in TITLE 15 U.S.CODE 1611. Notice, it is a fact, affiant is aware, upon discovery, the contracts heretofore referenced that did facilitate the creation of ACCOUNT # XXXX were one sided agreements of which this CEO was never disclosed regarding the second signature by an authorized party, head of agency or registered agent by SANTANDER CONSUMER USA. The appropriate " meeting of the minds '' has never occurred in connection with this contract. Being the only party to sign this contract without full willful disclosure this CEO does invoke and reserve my right to revoke the arbitration clause in connection with this contract and for any transfer, trade, hypothecation, whether voluntary or involuntary involving any and every instrument which may have occurred unbeknownst to this CEO ; Nunc pro tunc pursuant to 15 U.S. Code 1635. It is a fact that there have been statements which have not matched the CEOS records and statements and have not been in accordance with the disclosures from SANTANDER CONSUMER USA as relayed with the creation of ACCOUNT # XXXX by this CEO at the consummation of the transaction. CEO does give formal notice of this billing error until CEO does receive all documentary evidence. Until this documentary evidence has been received from SANTANDER 13 CONSUMER USA, ADDRESSEES will be held in violation regarding this billing error pursuant to 15 U.S.Code 1666b. SANTANDER CONSUMER USA did use STUDIED CONCEALMENT of SANTANDER CONSUMER USAs OBLIGATIONS to this beneficiary for SANTANDER CONSUMER USAs use of this beneficiarys granted CREDIT as extended from this CEO pursuant to PUBLIC LAW 73-10, SANTANDER CONSUMER USA does not have right to oppress or abuse any part of this CEOS character which would restrict or prohibit this CEOS right to extend credit and should have applied the credit to service the debt as required by law, and must be held liable for all resulting damages. CEO is aware that the line of credit issued by the FFEDERAL RESERVE SYSTEM has been assumed the OBLIGATION of the UNITED STATES INC. regarding PAYMENT associated therewith to create this bond is secured by the CEO, the CEO being one of the lenders thus having the bonded pledge series number XXXX which is from that SOCIAL SECURITY CESTUI QUE XXXX XXXX XXXX XXXX TM albeit without the consideration of this CEO or without full disclosure being given by the UNITED STATES or the SANTANDER CONSUMER USA. Whereas assets of this CEO have been pledged for said bond without said bond being registered as coming from or on behalf of this CEO to facilitate the payment of that DEBT as assessed by SANTANDER CONSUMER USA to lower the PUBLIC DEBT and accurately create the related TAXABLE EVENT, this CEO can find no place whereby it is lawful for a TRUSTEE to charge the beneficiary interest on the XXXX own credit to create an UNJUST double enrichment and SELFISH AGGRANDIZEMENT on behalf of SANTANDER CONSUMER USA as well as to further their benefit from repossession of the beneficiarys property. CEO is aware that this repossession or even the threat thereof is a violation of 15 U.S.Code 1692e ( 4 ) and is fraud and illegal in the collection of any DEBT. This is a right secured to this CEO by this code herein and the 4th amendment of the U.S Constitution.SANTANDER CONSUMER USA has oppressed my right to extend credit which is a violation of 15 U.S.Code 1692d, therefore, this CEO does legally refuse to pay this debt. CEO is demanding a cease and desist of all illegal activity, any communication and collection activity, including reporting which constitutes collection activity, of this and any alleged debts until SANTANDER CONSUMER USA can provide me with the requested rebuttal of information pertaining to are counterclaim as written in the affidavit herein. CEO does invoke CEOS right of rescission in accordance with 15 U.S.Code 1635 and UCC 3-306 to rescind any power of attorney which may have been used by SANTANDER CONSUMER USA in connection with this transaction which includes but is not limited to any derivative, hypothecation, trade, transfers of possession, whether voluntary or involuntary involving any and/or every instrument which may 14 have occurred unbeknownst to this CEO as beneficiary and creditor in BREACH of the FIDUCIARY DUTIES of SANTANDER CONSUMER USA as this CEO was not given full disclosure of any such power of attorney until discovery of its potential existence and demand a full revocation of such document ( s ) ; nunc pro tunc. 15 USC 1640 ( a ) - For each violation of TILA is double the finance charge when it comes to consumer credit transactions. This doesn't mean if you find multiple TILA violations there is only double the finance charge one time. Each violation is double the finance charge. In a lease each violation is 2000 dollars. If there is no security interest its 5000 per violation or higher depending on a pattern of failures aka R.I.C.O. charges. Notice, it is a fact, in accordance with 15 U.S.Code 1692c ( d ), this CEO, is invoking CEOS administrator and executor status over this matter and is of the age of majority. It is also a fact that SANTANDER CONSUMER USA as a corporation is always considered a minor having no legal standing or jurisdiction, and in accordance with 15 U.S.Code 1692h this CEO gives written instruction and direction for SANTANDER CONSUMER USA pursuant to their breach of obligation concerning this beneficiary, to redirect all prior payments, and all current payments to me plus damages to rectify the matters herein. Beneficiarys request for ADMISSIONS or denials from the ADDRESSEE/ TRUSTEES hereby accused of frauds and swindles of the beneficiary Duly sworn, this beneficiary does aver and declare the following and does require either acceptance or denial as to the validity of the facts to be presented herein from the addressee trustees, It is a fact that CEO, is beyond the legal age of majority, of sound mind and competent to testify as a minister in any court and competent to enforce any liability therewith pursuant to TITLE 15 USC 1692K so be it, and ; It is a fact that CEO is religious property of XXXX XXXX pursuant to 18 USC 247 as XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, XXXX is the Owner of Mankind and reserves and claims ALL of the CEOs unalienable ( XXXX ) given Rights, as mentioned in the BILL OF RIGHTS of the original and organic 1787 constitution for the united states of America and is NOT to be compelled to accept ANY unrevealed benefit, contract or commercial agreement, nor is your affiant to be assumed subject to ANY unrevealed presumption or silent judicial notice. As TRUSTEES, do the ADDRESSEES AFFIRM or DENY this fact? Should the addressees deny such, the addressees are required to provide their explanation in writing using points of FEDERAL LAW per their obligation to this beneficiary. 15 CEO is a Servant of the XXXX and Sovereign non-Citizen subject of the XXXX XXXX born to the lands and people descending from the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX Illinois Republic XXXX CEO hath claimed all rights to the Divine Jurisdiction of Islamic Governance as secured by affiants paleo-American, pre-Columbian, Autochthonous, Indigenous and Moorish ancestors as both enumerated and protected by the XXXX XXXX and the XXXX836 Treaty of Amity and Commerce between the UNITED STATES and XXXX XXXX XXXX aka the Empire of XXXX in XXXX XXXX XXXX RECORD XXXX XXXX XXXX and UNIFORM COMMERCIAL CODE FILE # XXXX. All claims of the XXXX XXXX AKA XXXX OF XXXX as the rightful owners of the North, Central and South American landmass is documented in the XXXX XXXX of The XXXX XXXX XXXX XXXX XXXX XXXX, recorded as a Legal Deed and Trust Document in the LIBRARY OF XXXX under XXXX XXXX No. XXXX, Control ( Catalogue ) Number XXXX ( U ), the XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX No. COP XXXX ; XXXX XXXX. XXXX XXXX, and Catalogued in The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX Call # XXXX XXXX ) : and is duly recognized by the said FEDERAL corporate UNITED STATES government as defined in 28 USC 3002 ( 15 ) ( a ). If no answer provided, the answer is : " Admit ''. Admit : _____ Deny : _____ Comment : Being a descendant from these Autochthonous an Aboriginal people of the Americas, CEO does not fall within the boundaries of UNITED CORPORATE, STATE or FEDERAL jurisdiction, and therefore exists outside of any UNITED STATES PROPERTY [ TITLE 18 USC 3077 ]. If no answer provided, the answer is : " Admit ''. Admit : _____ Deny : _____ Comment : It is a fact that any destruction of BENEFICIARYs rights to the free exercise of the religious beliefs, religious practices, rights to be secure in his property, person or papers, or right to contract, is a violation of 15 USC 1692n and SANTANDER CONSUMER USA can be held liable for the destruction of religious property pursuant to 18 USC 247. As TRUSTEES, do the ADDRESSEES AFFIRM or DENY this fact? Should the addressees deny such, the addressees are required to provide 16 their explanation in writing using points of FEDERAL LAW per their obligation to this beneficiary. If no answer provided, the answer is : " Admit ''. Admit : _____ Deny : _____ Comment : It is a fact that CEO, is a Servant of XXXX, beneficiary, grantee and only real party of interest concerning that STATE OF ILLINOIS ISSUED, ENS LEGIS FICTION, CUSTOMER NAMED SECURITY, BEARER BOND and SOCIAL SECURITY CESTUI QUE TRUST titled XXXX XXXX XXXX TM SS # XXXX. As TRUSTEES, do the ADDRESSEES AFFIRM or DENY this fact? Should the addressees deny such, the addressees are required to provide their explanation in writing using points of XXXX XXXX per their obligation to this beneficiary. If no answer provided, the answer is : " Admit ''. Admit : _____ Deny : _____ Comment : It is a fact that CEO, is in no way a willing participant in transactions of TRADE OR BUSINESS [ TITLE XXXX XXXX XXXX ( a ) ( XXXX ) ] that he or his property XXXX be regulated by FEDERAL TRADE AGREEMENTS [ TITLE XXXX XXXX XXXX ] enforceable by any corporation. As TRUSTEES, do the ADDRESSEES AFFIRM or DENY this fact? Should the addressees deny such, the addressees are required to provide their explanation in writing using points of XXXX XXXX per their obligation to this beneficiary. If no answer provided, the answer is : " Admit ''. Admit : _____ Deny : _____ Comment : It is a fact that the CEO was given no disclosure of the terms and conditions of UNITED STATES CITIZENSHIP nor was XXXX XXXX XXXX XXXX XXXX XXXX BANKSTM WORK FILE NUMBER XXXX given a clear offer or consideration to CONTRACT with the XXXX XXXX DISTRICT OF COLUMBIA XXXX a XXXX XXXX XXXX XXXX and XXXX this CEO is not OBLIGATED to PERFORMANCE based on any compelled DEBT OBLIGATION to the XXXX XXXX doing business as the UNITED STATES as a TITLE XXXX XXXX XXXX ( XXXX ) ( A ) CORPORATION and is not a UNITED STATES CITIZEN. Any assumption and/or presumption that XXXX XXXX XXXX XXXX XXXX XXXX BANKSTM WORK FILE NUMBER XXXX is a TITLE XXXX XXXX XXXX FEDERAL EMPLOYEE with a XXXX OBLIGATION to the UNITED STATES is FALSE, MISLEADING and XXXX ABNITIO. As TRUSTEES, do the ADDRESSEES AFFIRM or DENY this fact? Should the addressees deny such, XXXX the addressees are required to provide their explanation in writing using points of XXXX XXXX per their obligation to this beneficiary. If no answer provided, the answer is : " Admit ''. Admit : _____ Deny : _____ Comment : It is a fact that CEO, was not a party to the contract whereby the STATE OF ILLINOIS ISSUED, XXXX XXXX FICTION, CUSTOMER NAMED SECURITY, XXXX XXXX and SOCIAL SECURITY CESTUI QUE TRUST titled XXXX XXXX XXXX TM SS # XXXX was created as it was done when the CEO was an infant. As TRUSTEES, do the ADDRESSEES AFFIRM or DENY this fact? Should the addressees deny such, the addressees are required to provide their explanation in writing using points of XXXX XXXX per their obligation to this beneficiary. If no answer provided, the answer is : " Admit ''. Admit : _____ Deny : _____ Comment : It is a fact that as property of the Most High XXXX, XXXX is a non-tax obligated human being exempt from XXXX XXXX which XXXX defines as commerce between XXXX State, Territory, Possession, or the District of Columbia and another XXXX, Territory, Possession, or the District of Columbia, all of which represent commercial property and/ or property rights being transferred between man- made, corporate jurisdictions. As TRUSTEES, do the ADDRESSEES AFFIRM or DENY this fact? Should the addressees deny such, the addressees are required to provide their explanation in writing using points of XXXX XXXX per their obligation to this beneficiary. If no answer provided, the answer is : " Admit ''. Admit : _____ Deny : _____ Comment : It is a fact that CEO did become beneficiary to a trust action with the surrendering of his security and bearer bond information to SANTANDER CONSUMER USA XXXX SANTANDER CONSUMER USA did assume the role of fiduciary trustee bound by laws of trust regarding the same whether this fact was written, expressed, implied, or not. As TRUSTEES, do the ADDRESSEES AFFIRM or DENY this fact? Should the addressees deny such, the addressees are required to provide their explanation in writing using points of XXXX XXXX per their obligation to this beneficiary. If no answer provided, the answer is : " Admit ''. Admit : _____ Deny : _____ Comment : XXXX It is a fact that, in VIOLATION of PUBLIC LAW XXXX and in VIOLATION of TITLE XXXX XXXX XXXX XXXX SANTANDER CONSUMER USA XXXX XXXX XXXX AND CONSPIRE to DESTROY the unalienable natural and religious rights of this CEO to be secure in said CEOS papers and property through SANTANDER CONSUMER USA XXXX XXXX XXXX OF TRUST, BREACH OF FIDUCIARY DUTY and through a SCHEME OR ARTIFICE TO DEFRAUD, the CEO ( TITLE XXXX XXXX XXXX XXXX whereby the OBLIGATION of SANTANDER CONSUMER USA XXXX XXXX OFFSET and DISCHARGE all DEBT OBLIGATIONS as a CORPORATION acting for the UNITED STATES XXXX XXXX AUTHORIZATION and CONSENT of the UNITED STATES XXXX XXXX TITLE XXXX XXXX XXXX XXXX WILLFULLY and NEGLECTFULLY withheld from the CEO although SANTANDER CONSUMER USA XXXX XXXX XXXX and adhere to all UNITED STATES XXXX XXXX which includes without being limited to PUBLIC LAW XXXX and all OBLIGATIONS of the UNITED STATES XXXX pursuant XXXX XXXX XXXX BANKING ACT of XXXX, which is still in effect, so be it. As TRUSTEES, do the ADDRESSEES AFFIRM or DENY this fact? Should the addressees deny such, the addressees are required to provide their explanation in writing using points of FEDERAL LAW per their obligation to this beneficiary as CEO. If no answer provided, the answer is : " Admit ''. Admit : _____ Deny : _____ Comment : It is a fact that, SANTANDER CONSUMER USA ADDRESSEES are CRIMINALLY LIABLE under XXXX XXXX XXXX for any and all COMMERCIAL DAMAGE inflicted upon the CEO as a result of SANTANDER CONSUMER USA COMPANYS UNAUTHORIZED USE of the CEOS SOCIAL SECURITY CESTUI QUE TRUST XXXX XXXX XXXX XXXX whereby CREDIT was extended to SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX returned to the CEO. As TRUSTEES, do the ADDRESSEES AFFIRM or DENY this fact? Should the addressees deny such, the addressees are required to provide their explanation in writing using points of XXXX XXXX per their obligation to this beneficiary. If no answer provided, the answer is : " Admit ''. Admit : _____ Deny : _____ Comment : It is a fact that this CEO is aware of and knows that the XXXX BANKRUPTCY is verified in XXXX REPORT NO. XXXX XXXX. XXXX, XXXX SESSION ( XXXX ), SUMMARY OF EMERGENCY POWER STATUTES, XXXX ORDERS XXXX, XXXX, XXXX, and by XXXX ORDER XXXX on XX/XX/XXXX, and as further codified at XXXX U.S.C.A. XXXX ( a ) and ( b ) as AMENDED. As TRUSTEES, do the ADDRESSEES AFFIRM or DENY this fact? Should the addressees deny such, XXXX the addressees are required to provide their explanation in writing using points of XXXX XXXX per their obligation to this beneficiary. If no answer provided, the answer is : " Admit ''. Admit : _____ Deny : _____ Comment : It is a fact that, pursuant to the EMERGENCY BANKING ACT of XXXX and its ABROGATION OF THE GOLD CLAUSE, the BENEFICIARY has been deemed by XXXX as being unable to pay DEBT and thus per PUBLIC LAW XXXX to demand payment is against PUBLIC POLICY. As TRUSTEES, do the ADDRESSEES AFFIRM or DENY this fact? Should the addressees deny such, the addressees are required to provide their explanation in writing using points of XXXX XXXX per their obligation to this beneficiary. If no answer provided, the answer is : " Admit ''. Admit : _____ Deny : _____ Comment : It is a fact that, TITLE XXXX XXXX XXXX of the UNITED STATES XXXX records the STATUTORY PLEDGE of the UNITED STATES XXXX XXXX to fulfill the PAYMENT of all OBLIGATIONS and INTEREST on the PUBLIC DEBT, so be it, As TRUSTEES, do the ADDRESSEES AFFIRM or DENY this fact? Should the addressees deny such, the addressees are required to provide their explanation in writing using points of XXXX XXXX per their obligation to this beneficiary. If no answer provided, the answer is : " Admit ''. Admit : _____ Deny : _____ Comment : It is a fact, that SANTANDER CONSUMER USA XXXX is a DEBT COLLECTOR as defined by XXXX XXXX XXXX ( XXXX ). As TRUSTEES, do the ADDRESSEES AFFIRM or DENY this fact? Should the addressees deny such, the addressees are required to provide their explanation in writing using points of XXXX XXXX per their obligation to this beneficiary. If no answer provided, the answer is : " Admit ''. Admit : _____ Deny : _____ Comment : It is a fact that, SANTANDER CONSUMER USA is a CORPORATION acting for the UNITED STATES and with the AUTHORIZATION and CONSENT of the UNITED STATES pursuant to TITLE XXXX XXXX XXXX and thus ADDRESSEES are responsible for the XXXX XXXX SANTANDER CONSUMER USA and PROCEDURES and their conformity to UNITED STATES PUBLIC POLICY. Do the ADDRESSEES affirm or DENY this fact? As TRUSTEES, do the ADDRESSEES AFFIRM or DENY this fact? Should the addressees deny such, the addressees are XXXX required to provide their explanation in writing using points of XXXX XXXX per their obligation to this beneficiary. If no answer provided, the answer is : " Admit ''. Admit : _____ Deny : _____ Comment : It is a fact that the SOCIAL SECURITY NUMBER represents an an open end credit plan pursuant to XXXX XXXX XXXX and a credit card according through the TRUTH IN LENDING ACT therefore your affiant should have not been labeled a borrower on the contract provided by SANTANDER BANK nor should have FEDERAL RESERVE NOTES been demanded of this affiant as this is a violation of XXXX XXXX XXXX which are the Obligations of the UNITED STATES pursuant to XXXX XXXX XXXX. As TRUSTEES, do the ADDRESSEES AFFIRM or DENY this fact? Should the addressees deny such, the addressees are required to provide their explanation in writing using points of XXXX XXXX per their obligation to this beneficiary. If no answer provided, the answer is : " Admit ''. Admit : _____ Deny : _____ Comment : It is a fact that, the TRUTH IN LENDING ACT defines CREDIT as the right granted by a CREDITOR to a DEBTOR pursuant to TITLE XXXX XXXX XXXX XXXX and the right of CEO regarding the right to that unencumbered use of said right has been infringed upon by SANTANDER CONSUMER USA XXXX AGENTS who did WILLFULLY NEGLECT to disclose their intended use of said right for their own UNJUST ENRICHMENT within the forms that they did furnish to create SANTANDER CONSUMER USA ACCOUNT # XXXX. As TRUSTEES, do the ADDRESSEES AFFIRM or DENY this fact? Should the addressees deny such, the addressees are required to provide their explanation in writing using points of XXXX XXXX per their obligation to this beneficiary. If no answer provided, the answer is : " Admit ''. Admit : _____ Deny : _____ Comment : It is a fact that, in violation of Article XXXX Section XXXX Clause XXXX, in violation of Article XXXX section XXXX Clause XXXX and in violation of Article XXXX section XXXX clause XXXX as written in the constitution for the united states of America as amended prior to the XXXX dissolution of the XXXX XXXX, SANTANDER CONSUMER USA in VIOLATION of UNITED STATES XXXX XXXX did design, compile, and furnish a DECEPTIVE FORM knowing that such form would be used to create false belief in this beneficiary that a person other than the creditor of such beneficiary is participating in the collection of or in an attempt to collect a debt whereas SANTANDER CONSUMER USA was not the CREDIT source of the funding made available to the beneficiary. As TRUSTEES, do the ADDRESSEES AFFIRM or XXXX DENY this fact? Should the addressees deny such, the addressees are required to provide their explanation in writing using points of XXXX XXXX per their obligation to this beneficiary. If no answer provided, the answer is : " Admit ''. Admit : _____ Deny : _____ Comment : It is a fact that SANTANDER CONSUMER USA XXXX, XXXX XXXX and XXXX POLICE DEPARTMENT worked in cahoots to re-possess the vehicle based on DECEPTIVE FORMS and UNFAIR DEBT COLLECTION PRACTICES based on FICTITIOUS OBLIGATIONS placed upon this BENEFICIARY pursuant to STUDIED CONCEALMENT of a damaging TRUST DE XXXX XXXX and do owe this affiant DAMAGES. As TRUSTEES, do the ADDRESSEES AFFIRM or DENY this fact? Should the addressees deny such, the addressees are required to provide their explanation in writing using points of XXXX XXXX per their obligation to this beneficiary. If no answer provided, the answer is : " Admit ''. Admit : _____ Deny : _____ Comment : It is a fact that on XX/XX/XXXX, SANTANDER CONSUMER USA XXXX did provide your affiant with a XXXX XXXX XXXX automobile based on consideration and acceptance of your affiants open-end consumer plan pursuant to XXXX XXXX XXXX XXXX g ) that resulted in a credit sale pursuant to XXXX XXXX XXXX XXXX h ) and not a loan as was indicated via the deceptive forms supplied this CEO by SANTANDER CONSUMER USA XXXX and XXXX XXXX XXXX XXXX of XXXX XXXX. As TRUSTEES, do the ADDRESSEES AFFIRM or DENY this fact? Should the addressees deny such, the addressees are required to provide their explanation in writing using points of XXXX XXXX per their obligation to this beneficiary. If no answer provided, the answer is : " Admit ''. Admit : _____ Deny : _____ Comment : It is a fact that, SANTANDER CONSUMER USA XXXX did FURNISH CERTAIN DECEPTIVE FORMS as defined by TITLE XXXX XXXX XXXX whereby under economic compulsion, once signed, SANTANDER CONSUMER USA XXXX did affix the TITLE of DEBTOR/BORROWER to the NAME XXXX XXXX XXXX XXXX XXXX UNDISCLOSED source of CREDIT and unsecured BEARER BOND which XXXX SANTANDER CONSUMER USA did XXXX as the companies asset in an UNAUTHORIZED USE of said ASSET without said ASSET being registered as a SECURITY being extended to SANTANDER CONSUMER USA XXXX XXXX beneficiary although in VIOLATION of XXXX XXXX XXXX SANTANDER CONSUMER USA NEGLECT XXXX extend any BENEFIT or PAYOUT to the CEO. As TRUSTEES, do the ADDRESSEES AFFIRM or DENY this fact? Should the addressees deny such, the addressees are required to provide their explanation in writing using points of XXXX XXXX per their obligation to this beneficiary. If no answer provided, the answer is : " Admit ''. Admit : _____ Deny : _____ Comment : It is a fact that at no point was it expressed, written or implied that the use and enjoyment owed to this CEO and BENEFICIARY regarding the CERTIFICATED CUSTOMER NAMED SECURITY XXXX XXXX XXXX would be waived that SANTANDER CONSUMER USA could claim said ASSET while extending no BENEFIT to this CEO. This CEO does hereby exercise his right to demand his due PAYOUT as said PAYOUT has been CRIMINALLY WITHHELD as defined in TITLE XXXX XXXX XXXX pursuant to an UNAUTHORIZED USE of the CEOS RIGHT to the use of that CREDIT issued by the

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