Other customers have received letters with statements like: “Please be advised that under Section 226.13 of the Truth in Lending Act, you must notify us in writing within 60 days after we sent you the first statement regarding any suspected error or requests for additional information regarding specific transactions made on your account. As long as the detailed transaction information is provided to you on your statement, we do not need to provide you with copies of your receipts during that billing cycle.”
ANSWER:
This does not address the foundation, which is that no loan ever existed. All the Truth in Lending Act citation is referring to, is if there are errors in the charges. If there are erroneous charges on the account, then one is required to notify them within 60 days. That has nothing to do with the fact that no loan ever existed in the first place, and the fact that they are in default on proving otherwise. And the DCS documents do not request “receipts.” The above effort on the pretender lenders’ part to try to distract you into thinking you did something wrong, is just a deceptive sleight of hand---anything to get your attention off the central issue, that they never loaned anything. That’s why in an instance like this, your job is simple: just “rinse and repeat.”
Remember, it is the CONSTANT REPETITION of our central allegations that eventually makes them give up and go away.
Stay firm and focused like a laser beam on following the DCS instructions. No one who has ever done so has lost.