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[…] Source: Fairness in Action Committee: Save the Home of Ann Riley-Fox | Barbados Underground […]
[…] Source: Fairness in Action Committee: Save the Home of Ann Riley-Fox | Barbados Underground […]
Good luck to all fighting to save the house!
THE POWER OF A CLASS ACTION LAWSUIT.
“the only thing necessary for the triumph of evil is for good men to do nothing”
GOVERNMENTS, CORPORATIONS and INDIVIDUALS fear the onslaught of a CLASS ACTION SUIT.
For those who are suffering, being defrauded, being manipulated to extract and extort,
by means of “CONTRACTS” that are of…
FALSE and MISLEADING INFORMATION/advertising/statements.
FALSE and FICTICIOUS CONVEYANCE OF GRAMMER as an illusion written in adverb verb.
DEPRIVATION OF RIGHTS under the color of law.
CONDUCTING CRIMINAL ACTIVITY HAVING KNOWLEDGE and making no effort to modify or disclose.
FOR THE REFUSAL, DELAY OF THE EQUAL PROTECTION OF THE LAW.
FOR NOT CONVEYING LEGAL DOCUMENTS in the correct Quantum Parse Syntax Grammer.
JUDGEMENTS made by impersonators. PERJURY (having knowledge of a fact but tells a lie TO TWIST IT).
MISAPPROPIATION. Failing to carry out ones’ legal duties..monetizing other than that intended.
MAIL FRAUD by non affixing or photocopying of stamps and issuing supposedly LEGAL documents.
MISREPRESENTATION. (ANYTHING within within a box cannot be considered).
UNILATERAL CONTRACTS (Contracts with one signature, not signed by the other party).
BY ESTABLISHING THE FACTS and LAW by protocol, BEING THE VESSLE in dry dock in Maritime/Admiralty LAW
declearing the illusions of MISDEEDS. NO LAW OR FACT SHALL BE ARGUED IN COURT.
Compensation will be rewarded to the collective or group in the CLASS ACTION LAWSUIT.
CLASS ACTION LAWSUITS provides claims for the recourse OF INJURY and it is available to groups of consumers whose
suffering can be attributed to a common cause. It also establishes protection of groups.
On winning a C.A.L, each member is awarded the same amount.
As in the USA, the penalty/fine is US$25 000 000 or 30 years imprisonment per each breach of established Law.
For the reward of the CLASS ACTION LAWSIUT each member will recieve USA$25 000 000.00
A group can be the citizenry of a country, a consumer body, a corporate or otherwise workforce, a membership,
persons coming together with the experience of like injustices… etc.
A legal representative versed in Quantum Parse Syntax Grammer is highly recommended.
SUBJECT TO CLASS ACTION LAWSUITS.
CORRUPT IRREGULARITIES in Legal documents NOT ADHERENT TO LAW of fact.
MORTGAGES with false and ficticious conveyances of Language/GRAMMER/statements.
UNILATERAL CONTRACTS (loans or any contractual agreement) with the non issue of hard copies, without the lenders signature and stamps.
INAPPROPRIATE BILLINGS (STATEMENTS) must be examined and verified for legality (must carry a serial number).
STATEMENTS BEING ISSUED for the collection of monies. STATEMENTS ARE NOT INVOICES.
ILLUSIONAL CONVEYANCES/FICTION of product safety via false advertising of goods and services.
EMPLOYERS who willfully flout the Law in regards to discrimination and rights to employees.
BUSINESS ENTITIES which charge excessive interest rates, fees and penalties (late payments fees, etc.).
for which NO GENUINE/TANGIBLE GOODS or SERVICES has been rendered.
9 FOR CLAIMS of public and private nuisance, trespass, negligence, injury, unjust enrichment, fraudulent
misrepresentation, misappropiation and civil conspiracy BY THOSE WHO WOULD COHERSE FOR ENRICHMENT.
FORENSIC INVESTIGATION, followong the money trail as well as credible evidence can produce sound STANDING
EXAMPLE :
For the service of water, one enters a “contract” and the service is rendered and a “bill” or
“invoice” forwarded for bill days and usage. The bill is ESTIMATED.
With the non supply of water for even longer periods that extends beyond the “quarter, period or BILL DAYS”, a bill or “invoice”
is still sent.When queries (verbally) are made for non supply, reasons given are that costs represents RENTAL OF EQUIPMENT (not inclusive in
billing information), no service/supply was rendered, yet a (written) “bill” is tendered.
THIS IS FOR THE CLAIM OF FALSE AND MISLEADING STATEMENTS.
Information declared on a service provider STATEMENT/”bill”/”invoice” does not carry a serial number.
THIS IS FOR THE CLAIM OF INAPPROPRIATE BILLING. It is a statement of account. NOT AN INVOICE.
All information declared on the statement is enclosed in boxes. Anything within/enclosed a box cannot be considered.
Ever wondered why the dollar bill was redesigned and printed?…it was enclosed in a box and could not be considered.
THIS IS FOR THE CLAIM OF MISREPRESENTATION.
Records show and by observation, rainfall is abundant yet a constant psychological entrainment of the collective
consciousness to believe or to be conditioned to think that there is a DROUGHT and that it EXISTS is
the primary reason for inadequate or non supply of water.
THIS IS FOR THE THE CLAIM FALSE ADVERTISING.
With the selling of water to Cruise Ships yet embarking on “the experimental importation of water”, the thrust to construct numerous
Desalination plants, marketing water tanks (TO SUFFERING CUSTOMERS) and related systems, purchasing water tenders
while customers SUFFER INJURY for want for daily supply.
THIS IS THE CLAIM FOR THE INJURY, NEGLIGENCE.
Ever wondered why Banks issue cheque amounts written in italics and in a box?…..or issue “receipts from the teller
without a stamp and fades away in a short time?….or (simulated) initials affixed to contracts?
its all engineered folks.
ONLY CLASS ACTION LAWSUITS WILL MAKE THE ENGINEER, REENGINEER
Something has to be done, these predatory loan shark like practices by banks cannot be allowed to continue.
People need to acquaint themselves with class action lawsuits against those who seek to use the judiciary to defraud those who are unaware.
Under or system of precedence we do not have class actions. We have individual cases which, depending on the seniority of the court, sets the so-called judge-made law. The individual cases, depending on the facts, are test cases.
The Origins of Modern Banking – The Truthseeker
The bankers are the REAL criminals in society.
that is how capitalism work , there is no moral code or judgement built into the system to protect the poor or unfortunate in time of hardship, there is only one code You Owe You Pay.
Fortunately for Anne Fox Riley she has friends in high places who came to her rescue the little guy on the other hand have to take their losses and run ,
Expecting any govt to change the rules is too late in the game the people activism can make a difference by hitting the corporate giants where it hurts the most.
People have the power to do so..banks cannot be profitable unless they can access funding from the people. banks needs the people money in order to survive
While it is not directly related, CIBC in Canada do NOT charge an enrolment fee or service charge on any DEBIT cards they issue. But down here they impose a whopping $144 annual fee on their recently launched bizline Business debit card, despite extracting a merchant percentage on every transaction and at no risk to the bank (no funds/no payment). We have to stop this GOUGING. Our cards are being cut in half and returned to the bank.
If it one item international companies keep an eye it is reputation, the brand. A lot of international attention will be on Barbados in the next week with Prince Harry present. If you believe your case is justified -we don’t have all the fact in BU forum, go for it!
@ FIAC
Excellent move.
But what is the methodology? How do you intend to go forward?
Have you considered the formation of a National Enfranchisement Cooperative? … One which would seek to raise funds via deposits from members of the public at viable interest rates; and which would then finance profitable and uplifting projects such as this one, that will generate profits to fund the interest due to depositors …while empowering Bajans.
It is a body such as this – free of political idiocy, (which is where the cooperative philosophy comes in) that can grow to acquire banks, regain local assets and take the country forward.
There is a Cooperative body that could provide guidance in such a project… and Doyle is a good man.
BU understands this was posted in the Nation Newspaper as well.
Anne Riley is one of the lucky few who has interested parties ready to fight for her .However banks are not going to negotiate on terms and conditions that affect their bottom line
The more standard approach of withdrawing monetary support carries more weight and leverage to softening harden positions by financial institutions
Wells Fargo is now seeing a financial decline in profits as depositors closed their accounts and go elsewhere
MORTAGES…The Claim
If the Committee is serious about repurchasing the house on behalf of Ms. Riley all power to them but where were there when this matter was all over the Press, being litigated and interest was accruing increasing the debt?
I am intrigued by two of their stated goals (1) “Lobbying etc.” what is considered “damaging acts”? Are they proposing changes in the Consumers Act or changes in the law governing Banking?
(2) “Another financing option”, are we on the verge of seeing the establishment of another financial Institution? I thought the Credit Unions were filling some gaps why not move to strengthen them?
Errata
S/b “where were they when” etc.
Ann Riley-Fox made several mistakes in this debacle. I hope she gets back her house and the opportunity to rebuild her life.
However when you go into business you are taking a RISK. There is no guarantee of SUCCESS.
If you have a mortgage on your house and can’t make payments SELL IT or the mortgagor will foreclose and you could end up broke.
What we need to know is if in this case the bank and its employees misled or broke any agreement with their client and can she sue the bank and win.
I am sure there are lawyers who would take her case if it is winnable.
The “bigger picture” is covered by Bush Tea November 24, 2016 at 7:59 AM #
@Hants
Possibly Riley-Fox made mistakes but it does not mean procedural matters were followed absolutely by the bank et al. This matter could serve as a learning for others.
@ David,
I wrote this above “What we need to know is if in this case the bank and its employees misled or broke any agreement.”
The lesson to be learned is that banks are in business to maximize profits for their shareholders.
They are ruthless predatory capitalist businesses protected by the law.
Just look at the ads for Credit cards and Car loans.
@ Hants /David
Any society in which there are no opportunities to make mistakes and to learn from them without devastating consequences is fatally flawed.
Nobody made more mistakes than Bizzy. Red Jet is only one of his most notorious ones, yet the banks do not hold these against him…
@ Sargeant
Your 9:45 AM is unhelpful.
The first paragraph is a waste of words. The committee had to start at some point. If they started during the litigation you would have asked where they were when she was signing the agreements; If they started at the agreement you would have ask …. etc.
What intrigue what??!!
The people seem to be positioning themselves to become a voice, support and resource centre for persons who find themselves overwhelmed by these crooked institutions.
Not a shiite wrong with that….
…and what the hell is wrong with ‘another financing option’?
In your albino-land …don’t you have a multiplicity of such options ranging from banks, to credit unions, to endowment funds and even crowd funding?
Steupsss…
Leave the damn people alone do!!
Noted Hants.
It is good there is some focus being brought to the financial sector. Focus as in specifics and not the usual nebulous BS.
@David … perfectly well stated at 10:28. Sargeant and Hants have captured the developments well.
It is awesome that Ms Riley-Fox can rely on this ‘white knight’ organization to lift her from financial ruin but absent misdeeds from the bankers her predicament may be a result of risk taking gone awry and from that we can all learn valuable lessons.
As a corollary of the many sides of a story, a friend sent me this morn a Doonesbury cartoon pic of a US Thanksgiving lunch. At the head was Linus; on the right – a little congested – his four White friends including Snoppy the beagle in his bomber flier’s hat. Another white friend sat at the other end of the table.
And on the left side a single Black friend with all the room in the world.
Two ways to look at that image: When you are a King you demand your own side of the table or …. you make America great again and move the interlopers- who you do invite to lunch- to ‘stay on their side’
Mrs Riley-Fox scenario is just as ‘subjective’ and provocative, I expect.
@Bush Tea
Yes there is an inequality -not only Whites but minorities. Some of the blame must be redirected to Blacks. Have you observed how Whites, Indians, Syrians etc group together to pursue common interest?Take this matter with Riley-Fox and how our Black kind -without the facts- have started to rail against her situation.
Commercial banks are unnecessary in this day and age.
Public banking is a far more obvious option if the global gangsters would allow. And we have the example of North Dakota.
Public banking circumvents the onerous interest rates regimes which kill poor people and under-develop our societies. In public banking, money is created or printed and lent directly to the public at near-zero interest rates. As repaid it is then withdrawn from the public money supply. So we have a cheap way of funding development without the onerous interest which acts as multiplier.
And the ideas around cooperatives are also as solid. When these two are combined with newer electronic methods and made to be based on real assets it will mean the death of commercial banking.
But there are powerful banksters making sure this modern form of debt slavery must continue.
Lastly, there will be an ugly man from England who will now seek to say we locate everything in slavery. An ignorant nigger.
All of the major banks in England were founded based on the slave trade. What irony!
CIBC FirstCaribbean has the same base.
BOTTOM LINE —– If you borrow money you have to pay it back, case closed. I’m getting sick of Bagan’s crying about the wolf at the door, if you don’t keep your finances in order you can expect a visit from the wolf/devil and a collection agency.
If debtor has failed to meet the loan requirements which he/her signed then loaner has the right to recover their debt.
Wily Coyote November 24, 2016 at 11:20 AM
Right on
@Bushy
You should forget the notion that I just rolled off the Dale Carnegie bus with the destination “How to win friends and Influence people”. What is wrong with raising questions about this proposed act of generosity and philanthropy? What about coming forward earlier in the process instead of waiting until after the eviction?
Seems to me you are always praising the Credit Unions but when someone proposes the strengthening of the same you are all for adding more bodies to the mix. How many pieces do you want to slice the Barbados financial pie into? The more the merrier is a recipe for more financial disasters down the road.
BTW ‘albino land’ has been overused, don’t you have any more trite descriptions?
I believe the local credit unions need to play bigger, safer more accomodating roles for local people.
Foreign banks were designed to be predatory, let them take their predatory and loansharking business elsewhere, the local credit unions should step in a play a bigger, better more honest role than can be found in the foreign banks, they are already well established.
The house was advertise on the front page of the nation for $725.000.
The use of the N word is not appropriate for friend or foe. Using it gives it longevity and currency.
Seen it popping up on BU, way too often.
@ Sargeant
…albino land’ has been overused, don’t you have any more trite descriptions?
+++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++
Of course!
Bushie has plenty more, ….but none more appropriate to your situation.
So if Bushie has a horse …why seek a cow to ride…?
…and for your elucidation Sarge, a Credit Union is just a particular form of co-operative… one that deals with finance. Coops can deal in ANY area of human activity that offers benefits to homogeneous groups.
…food, housing, manufacturing, commerce, banking, insurance, …. you name it.
‘Enfranchisement’ is just another potential (albeit creative) activity, it would therefore NOT be a ‘new body’ to the mix, but simply a new avenue through which to apply the approach.
Better go do a title search to see if the banks was dealing in fraud to start, First Caribbean CIBC have been in fraud for 30 years ,, Check you title and see if you deed was even recorded and counter search,
What was the name of the Plantation is which is home was built?
@Bush Tea November 24, 2016 at 3:11 PM “… Coops can deal in ANY area of human activity that offers benefits to homogeneous groups…”
That is true. You often speak in esoteric terms about coops. The concept of mutual group association working towards an advantageous end permeates all aspects of society and has done so basically from day one.
The fact that Ms. Riley has benefited as above makes no more of a case for the group who has assisted her than it suggests that the bankers were devious.
She is but one individual caught in the vagaries of life and were circumstances managed differently by her or her bankers or even by one of the current credit unions on island we would never have heard of this.
Cooperative life is real and meaningful but has seemingly become some type of mystical word when used by you (not unlike your albino-centric lingo) but the simple words ‘it takes a village to raise a child’ is as purposeful a meaning as any you may offer of the long standing reality of cooperative life!
It’s wonderful Ms. Riley found this option but had she quietly raised another loan to cover her obligations would she have not tapped into cooperative assistance then too.
Surely if the banks facilitated the business arrangement for 36 long years something different must have precipitated this drastic change….
So taking this transaction for what it is: rather harsh business, as others have bluntly said, why all the hoopla about coops.
“If you have a mortgage on your house and can’t make payments SELL IT or the mortgagor will foreclose and you could end up broke.”
Generally speaking in our jurisdiction Hants we borrow from the bank to purchase a property but unfortunately we cannot like in Canada take the matter into our own hands and sell the property and pay off the bank and keep the residue. In any transaction relating to the divestment of the property the bank must be involved because they are holding the deeds.
“David November 24, 2016 at 10:58 AM #
@Bush Tea
Yes there is an inequality -not only Whites but minorities. Some of the blame must be redirected to Blacks. Have you observed how Whites, Indians, Syrians etc group together to pursue common interest?Take this matter with Riley-Fox and how our Black kind -without the facts- have started to rail against her situation.”
‘Right church but wrong pew.’ – while there is much truth in the comment that the other ethnicities do pull together. The facts are that Mrs Riley-Fox owes the bank and cannot pay and the bank is foreclosing on a property assigned to them as collateral.
Bring back memories of Neville Rowe and JulieN, and Bizzy who was so eager to get his paws on it.
“In any transaction relating to the divestment of the property the bank must be involved because they are holding the deeds.”
I live and learn. Why would that be?
Your are obviously seized with the facts therefore BU gives way to you.
https://nakeddeparture.com/2016/11/24/first-caribbean-international-bank-barbados/
To make an ugly situation even uglier, here is a former CIBC employee apparently confessing to stealing from customer’s accounts, I know personally CIBC has a very serious problem with employee thefts, particularly if you have standing orders in place, the employees see it as a way to steal your money, when you go to the fraud squad, the bank quietly returns the money to your account…..
…… check your accounts often, the banks are infested with thieves for employees.
@ David
You must forgive those who do not live in Barbados …for their inability to grasp the facts on the ground.
Boss…
If Bushie was did not happen to be located here, and to observe the shiite that results from whacking around the place, he would not believe the reality here either.
Northern Observer probably can never rationalise a situation where a bank would deliberately provide funding to an optimistic, naive young entrepreneur ….KNOWING FULL WELL that it will only take a ‘small misfortune’ to place that victim at their mercy.
Such a ‘small misfortune’ can easily be arranged by delaying a line of credit – awaiting “approval from head office”, while goods are held up in the port awaiting clearance….. or where critical repairs to equipment is holding up a big order.
‘Small misfortunes’ also can occur where some new business competitor suddenly arrives on the scene – almost as if they had access to your business plan…. and your clients.
In short order, your ‘best plan’ is to transfer your business /home/ investment to some convenient ‘buyer’ who just happens to know what is the minimum amount needed to satisfy the bank.
This is essentially what Northern Observer means by ‘sell the property and pay the bank’.
Most persons do just that …. and Bajans continue to be disenfranchised.
A few are like Bushie with a bad-ass step-father… which is why Bushie still rich as shiite…
…and some are like Ann, who take offence at being scammed, and (naively) expects support from the public….
She was going to lose it anyways..it was just a matter of time. Here is how the system works for those of you who are thinking of buying a home. You pay your mortgage religiously and finally get it paid off now you are secure for life.. hardly, now reality sets in
You bought in a great area and it has gotten better over all these years you and your husband retires life is good. Well as life goes he dies, if he had a pension you get 66% of his 70 % . Because you live in that great area your property taxes keep going up because everyone wants to live there as your income is eroded eventually forcing you to make the choice of eating or living in that great house. Now you sell it or the city takes it away for back taxes that have an interest rate of 24 % and you move into a decent old age home that sucks your income out till infation again has eroded your income and you move to a cheaper home then a cheaper home till finally after all your money is gone and you are in the home with the great unwashed those are the lucky people that didnt get sick or have children who use you as a personal bank
So it doesnt matter if it is the bank or the govt or the retirement home people they are going to get that house,
Lawson don’t be an ass.
Lol David thats not the best part, if you get a kitten to replace that old hubby ,and it has kittens and over time more have kittens and you dont have the heart to get rid of them well hey you have this big empty old house and they are so cute. You will eventually become the crazy cat lady on the corner every neiborhood has one. Watch ..grey gardens ..it happens to the richest families
@ David…
What!!!??
That’s perhaps the most serious contribution from Lawson to date…..
David:
Lawson has a point. This the first time I have ever seen you become unhinged. A youngster the other day got a piece of land in the Graham Hall area. His tax bill with no house on it was $1,000.00. The system is a nasty piece of works!!
It certinly is the way the mortgage system is set up, you only live in the fantasy that the house and land belongs to you, those who live in large cities are quite familiar with eminent domain and all the other ways to lose your property.
The foreign banks in Barbados are set up and designed that way in the metropolises, they are merely practicing what is their true nature in the small islands.
The islands are small enough to design their own system that would not disenfranchise majority blacks, put all that so called high level of educaton to better use, as it stands, the foreign bank’s fantasies are being fulfilled, their goals are being met, using those methods.
@Well Well & Consequences
You mentioned that when an individual goes to the fraud squad about money re missing from First Caribbean account the money is promptly returned.
First Caribbean Bank Barbados has a Fraud Investigator Dansal Stoute who works in collusion with the same Barbados Fraud Squad in a criminal conspiracy.
.
So what you have stated is no surprise.
Many FCIB accounts especially elderly and dormant are being robbed and most people are not aware.
So the few that notice and report they move fast to cover up and not have bad publicity and exposure of the scam which has been happening for many years.
@Bush Tea
We should not be so ready to trivialize what has happened to this woman. She has always been a hard worker and based on what we are hearing she has received the shitty end of the stick. Some are quick to state the obvious pay or shut up. Some of us know it is not so simple sometimes. It is good to see someone trying to fight against the system.
The blogmaster invites you to join and add value to the discussion.