Michele L. Cook, Esquire – AAA=
Make Checks Payable to ACSC
333 Fairview Road A451
Costa Mesa, Cal. 92626-1698
Date: 11-29-07
Ms. Cook, Esq & FMC et al.
Today I received your stamped 11-27-07 INS letter, which reads, verbatim:
A) We have no record of receiving a payment.
Again, that is a lie, because you have the same record I have, which marks that I paid you, in person, in cash, $246.21 on 11-08-07 at 15:49:13 military time, 3:49 civilian time, just like I did on the following marked days:
A) Thursday 11-08-07 – I paid you, under duress, cash $246.21, confirmed;
B) Saturday 10-06-07 – I paid you, under duress, cash $248.40, confirmed; &
C) Thursday 09-06-07 – I paid you, under duress, money order $120.70.
This time, unlike some of the others, you did not furnish me your breakdown of your sickening “finance” charge, because you finance nothing. You did, however, include it, exactly like you did on in my 11-08-07 payment to you.
Next, again, you say, verbatim:
A) The required full payment [$244.02] must be postmarked (or paid in our offices) before 12:01 a.m. Pacific Standard Time on December 8, 2007.
B) Notice of Cancellation. Failure to receive full payment will cause the above identified policy to be cancelled and all coverage will cease [then].
Thank you for confirming to me & every single other one of your clients, expressly, again, that if We do not pay your so called “finance” based on nothing charge that you will cancel US from your privately required, already fully paid for coverage!
Using round numbers, you deceitfully converted your original offer of INS to me, which sticker price tag offer I never accepted, from $1,970.00, with a $91 rebate, to roughly $3,000.00 a year. You know your McBean counter “records” reflect that, by forecast. On 6-27-07 I wrote you, verbatim: [Y] … made me an INS credit [solilcitation] … for an annual package of $1970.00, plus interest. You represent that that is not an artificially inflated peg, then you offer me what you call a: $91.00 [REBATE] DIVIDEND!
You play flat mono games, praying on our fears, outrageously, knowing better.[1] Do you know what economic (e) contract treason is, Ms. Cook, Esq., by definition!
Respectfully
[1] http://en.wikipedia.org/wiki/Consideration_under_American_law
Dated: 02-22-07
To: AAA CEO, Robert L. Darbelnet (hand delivered to agents for service)
P.O. Box 25001
Santa Ana, CA 92799-5001
Re: Insurance Bill of Credit & Gouging
I had a question about my AAA insurance charges. You charge us all 1.5% interest on an un-owed balance for future insurance services that have not performed, as opposed to a service tendered payment owed charge program, day by day. Is that typical? I was not advised that I took a loan out or was borrowing money from AAA, because I didn’t. I understand that it is a great source of huge revenue, for doing nothing, because you do it in all of your void contracts. In house, it is:
[D]escribed as a “good source of [extra, free] revenue”-pursuant to a strategy of “maximizing fee [revenue] income.”
Worse than the cases about IT, you charge us hard earned money without a late payment trigger – which is a high breach.
Also, it strikes me as odd that you, a state anointed (Par Value) operation, pretend to loan money & charge interest on it in light of the crystal clear language right out of the binding rule-book – the Constitution:
Article 1 Section 10. No state shall … emit bills of credit; make anything but gold and silver coin a tender in payment of debts; pass any bill of attainder, ex post facto law, or law impairing the obligation of contracts….
When a statute is clear on its face it is both unnecessary and improper to engage in the murky interpretation process.
It is plain that you are operating under some statutory law, which is trumped by the above & not Article 1 necessary & proper qualified. Don’t you think the wisdom of a collection of me much wiser than all of us together, outlined in our United, is worth honoring? All State law to the contrary of the above are void, aka, “notwithstanding.”
Moreover, with regard to how you set our insurance prices, you between two known charge programs:
A. Supplying demand at cost rate settings; OR
B. Rival plotted pricing.
“B” above is expressly a treble damage felony, with jail time exposure. Supreme law confirms it must be based on direct costs only:
“[T]he mature measure individual item costs & [charge A] price accordingly.”
A legitimate concern is when you get sued, via a sweeping class action, my bill of credit insurance rates are going to go up even more.
DISCRIMINATION
Naturally, it would not be nice to cancel my or any others’ coverage for bringing to your attention big missteps – malicious tort issues. I look forward to your refunds & remedying the inexcusable problems.
Truly,
By: IT
C: D Class Action file
To: Cook, Ms. Esquire
Charles Podowski, AAA CEO & Board of Directors
P.O. Box 25001
Santa Ana, CA 92799-5001
From: Us
Date: April 12, 2007
I am writing in connection with a pile up accident that I was in, which you decided not to cover all of. I have previously asked that the claimant verify the numbers backing their claims & that you confirm that you do not receive, across the board, pay backs, under the table, from the company partners you deal with.
UNDER THE TABLE
I have also asked that you confirm that you proof to me that you set my insurance charges legally, by correct price protocol, & not pursuant to a Sugar like schedule spread, among other things. I have not heard back from you.
To remind you, you work for me, & I have not authorized a single penny to be paid out to a hospital or anyone else.
Now, you are telling me that I did not pay enough of your state anointed bill of credit emissions to cover the unverified claims. And I don’t understand why you continue charging me bill of credit interest on a balance of unperformed, future insurance coverage, knowing it is all an all gravy based on nothing provided side gig revenue stream.
TRUST, defined as:
A) Acts by two or more people [Powdowski & COO];
Talking, then Acting, e.g., about accounts? A CD?
B) By agreeing to pool … any interests that they may have connected with … any … commodity [the stock], that its price [the stock 50% 50% nest egg] might in any manner be affected.
For purposes of this section, “person” shall include, but not be limited to, individuals….
Executives like you Mr. Podowski are “individuals.” You rig a number of things, by contract, in & out house, like interest gigs & your rate prices.
TO SETTLE MY CLAIMS AGAINST YOU
A) Full coverage – life, health, auto, home, dental, medical, eye for me, my partner Ms. Bernardino & her two children, for free for life; &
B) 1 million dollar, each, relating to our all caps name TDA you draw on without our consent, under the U.C.C. lien fraud.
This offer will expire soon, & this letter will be attached, with my other correspondence you’ve ignored, to a check box negligence complaint for breach of your core contract vows, $1 of which trips hot coffee damages.
By:__________________________
Cc: Class Action Attorney contacts – Michael Hausefeld & Steve Susman +
To:
Charles Podowski, AAA CEO & Board of Directors & Reps
P.O. Box 25001
Santa Ana, CA 92799-5001
From: Us
Date: April 14, 2007
============================================
NOT FOR PROFIT SHELL
STOCK HELD BIG, BIG MONEY
Mr. Charles Podowski says this about his big money Article 1 banned bill of insurance credit emission & rival partner’s revenue, price & units sold to clients Cartel umbrella, & a litany of other stuff, in draft (e) form. AAA is:
A … for-profit, [not] fully tax-paying organization with more than 49 million members, AAA is well respected for its credibility and integrity. Known primarily for providing emergency road service, maps and travel publications, AAA also has a broad range of travel services, member-benefit programs and public service activities.
CARRIAGES WEREN’T FORBIDDEN
ART 1 CAPITATION TAXED LIKE CARS
Mr. Podowski knows full well that car license plate & registration taxes are forbidden Article 1 direct capitation taxes that are not Article 1 UNIFORM, as required, but has elected not to fully disclose this fact to all of his clients, to which he owes fiduciary duties.
Almost immediately after the first horseless carriages appeared on America’s roads, motorists began organizing automobile clubs. In 1902, only 23,000 cars were in operation in this country compared with 17 million horses.
And Mr. Powdowski knows full well there is a web of legal loops to all State & DMV taxes, which are discriminately levied against citizens based on YOUR 10TH Amen optional participation in all state stuff.
FACT: All postal road development is paid for by post office operations.
FACT: ALL DMV ops are wholly unaccounted in flat violation of Article 1’s “publishing” rule.
FACT: All State DMV ops is all gravy, not used in a cy pres way for, e.g., insurance, road side assistance, to make for safer automobiles with, e.g., magnetic opposing strips in 50% of all accidents to lighten the crunch of accidents – which saves lives.
INSURANCE: Everyone is already fully insured by operation of constructive trust law by license plate & registration cy pres coverage, which is owed outright, I respectfully submit. Any alternative constructive would be one heck of a Pandora’s box for Cruz to contend.
YOUR ALL CAPITALIZED
BIRTH CERTIFICATE NAME
By converting you into a U.C.C. article of commerce, by your birth certificate of debt registration, Uncle Sam Dan Lundgren & Cruz Bustamante & former Gray Davis, e.g., literally stole & rob your 9th & 10th Amen birth rights, e.g.: CERTIFICATE Defined: a document evidencing ownership &/or debt.
“The … amount [is initially] … $1,000,000 [& another] $500,000 [when] … married….” [for example].
When a Birth Certificate is registered it means that the all-caps fiction named has become a surety or guarantor, a condition and obligation automatically and unwittingly assumed unless you rebut the presumption by effectively noticing them: “It ain’t me.” My name is not ALL CAPS.
STATE & FED MEN ACT IN COMBINATION
Once a state man, Cruz B. e.g., has registered a birth document with the U.S. Department of Commerce (Carlos M. Gutierrez), the Department notifies the Treasury Department (Mr. Paulson), who takes out a loan from the Federal Reserve (the million dollar baby). The Treasury (Mrrs. Paulson, Neel & Kashari) use the loan to purchase a bond (the Fed Reserve, Ben Bernanke, holds a “purchase money security interest” in the bond) from the Department of Commerce, which invests the sale proceeds in the stock or bond market.
The entire transaction is supreme treason, by definition, because WE are not articles of commerce:
“The … human (like PBJ) being is not a commodity or article of commerce.”
WE COMMERCE DEPARTMENT XXX OPS
Only by your birth certificate of ownership of you umbrella ops are WE subject to any state claim jumper & most federal TP “laws,” under big brothers’ claim to be WE THE PEOPLE’S LEGAL GUARDIAN. IT is a parens patrie 9Th Amen waxing trick. IT is a fraud contract, because WE are not “goods” by definition, which is the only trigger to U.C.C. application under their own law. IT is a fabrication sponsored by badges of false colors of authority, exceptions & exemptions to which are discriminately applied in open contempt of the 14th Amen equal protection clause.
TRUST THE ELEMENTS OF
THIS RIPPING SPIKE LEE ACTION
A TRUST is defined as:
A) [We birth commodity=good] Acts by two or more people…;
B) By agreeing to pool … any interests that they may have connected with … any … commodity [car commodities], that its [correct cost] price might in any manner be affected.
For purposes of this section, “person” shall include, but not be limited to, individuals….
A rep is an individual. An A.G. is an individual. Your executives price & trade you, your birth I.D., by in & out house State man & Fed men spread partnership obligations, which are not based on lawful ops – the rule book.
POOLS, IN & OUT HOUSE SPOILS, ARE VOID
There is no offset, meaning IT is all owed back times three. The unbendable elements & & words of the statute actually read, “ABSOLUTELY” … in law & equity. Why do you think Mr. Cartwright used the word ABSOLUTELY to modify the words VOID & UNENFORECEABLE?
T-J HOOKS, LINES & IN SINKERS
Thomas Jeffersons’ below comments in connection with U.K.(e) law tricks sponsored by the Brits are instructive:
“By nature’s law, every [wo]man has a right to seize and retake by [suit] … [her] … own property taken from [her] … by another by force or fraud.
[“IT”] … was a part of their common law, laid down in their books, recognized by all the authorities … and … practice.”
“Charged with the care of the general interest of the nation, and among these with the preservation of their lands from intrusion, I exercised, on their behalf, a right given by nature to all [WO]men, … that of rescuing their own property wrongfully taken.”
This is a first amendment qui tam submission & offer to compromise: 4 x 4 M’s – 4-ME & all those on my block, my Firemen EX’s & Ms. C.B.’s.
Sincerely,
By: IT
To: AAA Board Members (Willis B. Wood Jr., Charles H. Hire, Marilyn M. Pfaltz)
Date: 04-24-07
Re: Agent David Flynn’s Adjustor Script, Finance Bills of Credit Plus
======================================================
Good AAA’s Ms. Cook & CEO:
I am in receipt of yet another penalty bill of yours containing numbers your board members, after multiple requests, refuse to meet your contract duty to prove, up front, compliance with AA% required rules of doing business, among other things.
Below is a draft of highlights containing what you already know; two or more of your top executives, in & out house, agreed to undo IT.
First, since my accident, after multiple requests, your agent D. Flynn has refused to forward me a single one of my documents relating to that accident. You & you through him have refused to get a single piece of back up documentation related to the numbers involved in the claims in my accident, & have refuse to show me that you set the numbers you charge me monthly by legal protocol.
ONE OPEN & SHUT IN HOUSE WHITE SHOE CRIME
Every single one of the tax bills you send me contains a finance charge on it. Your tax bill dated 4-07-07 contains this sequence:
FINANCE CHARGE $ $2.07.
You took a big, clumsy gamble doing that, knowing that you finance zip. You set up an in house program to put US through the ringer, passing the buck & ignoring inquiries about your flagrant white collar crimes, none of which are acute business acumen, & all of which are sneaky nibbles, from millions, for stock holders who expect to get something for doing nothing. IT is beyond lazy, IT is corrupt.
Next, in your 4-07-07 hack bill, you write:
UNPAID BALANCE: $137.87
Based on “maybe” performing future service is how you agreed to peg your personal TAX, called finance charge, levied against US. Your board members did & do that knowing that no citizen or resident fiduciary client of yours owes you a penny until you have performed actual coverage, on a month by month max basis. And you do this to millions monthly, & have done so for well over 4 years. Just in case you didn’t know, there is no statute of limitations for any type of calculated white collar charge fraud, en mass, for stock holders.
You obviously went to high school, so you know the rule about INTEREST – that is the synonym for “credit,” which no state anointed shell, like your AAA ops, is permitted to emit. Why you post this confession about your taboo plastic Visa marriage, void against public policy, is beyond me:
Reap the Benefits of a AAA Visa Credit Card
The AAA credit card program was launched in 1978, when the credit [emission] card industry was in its infancy. The program was the first partnership between a bank-issued card and a group the size of AAA. It has grown from a single product idea into a comprehensive partnership spanning a wide range of industries and audiences.
CLASS ACTION RIPE
The fact is that WE DO NOT SUBSIDIZE YOUR SALARIES for setting up white shoe crimes nationwide plus. For your edification WE show you this:
“Every contract, combination in the form of trust or otherwise, or conspiracy, in restraint of trade or commerce among the several States, or with foreign nations, is hereby declared to be illegal.”
This articulation of one sweeping Sherman rule is instructive:
Q. What bearing does it have, if any, on the price of [one thing]…, whether or not they charge a lower [price] … on some other product [or service – like insurance emissions]?
A. It has no bearing at all. You … determine the price [the charge] of [anything] … based on the [cost] characteristics of [IT]….
MENS REA – IN HOUSE CRIMININAL INTENT
PIERCES THE CORP VEIL = X BUS JUDGE RULE
To skirt the rule, in & out house staff do 3 taboo three element steps:
A) Seek;
B) Obtain; &
C) Use other’s rates.
“Verification alone wouldn’t [stet] suffice to establish price-fixing, but if its effect was to fix prices the parties are presumed, as a matter of law, to have intended that result.”
VERIFICATIONS STAFF & DEPARTMENTS
“It is based on a … measure reflecting customer’s ability to pay, which is totally unrelated to cost, quantity [demand] or quality, which … determine[s tax] price.”
OFFER ON THE TABLE
Today’s lets make a deal is $-000,000.00 a pop for me & 19 others, including N.R. Borrow, which makes 21. And, we shall take you up on every single one of the services you offer, for life, you foot the bill, for 100 people of my choice, including G. Cooper, who is proficient with Trojan Horses, my computer friend (101). ASAP, then homes, cars, private jets & boats – We like this verbatim clip of yours:
There’s No Cruise Like a Luxury Cruise:
Get ready to be pampered. AAA can help you plan a luxury cruise offering the very best in personalized service and amenities for an unforgettable sea voyage. Imagine the features of a regular cruise: poolside activities, exciting entertainment, gourmet restaurants; but with added refinement and the attention to detail only a luxury cruise provides.
Features such as:
· Smaller, more intimate ships
· Elegant suites
· More exotic destinations
· Butlers catering to your every need
· Your choice of pillows
· Cuisine by renowned chefs
· Wine included with dinner
A luxury cruise to the Caribbean lets you cruise from one stunning island to the next in complete comfort and style. Relax in a piano lounge, practice your golf swing, unwind in the spa, try your luck in the casinos, or relax by the pool. There is something for everyone.
If you can’t stand the heat, consider an Alaskan cruise, luxury style. Or perhaps take a trip through the luxurious Mediterranean. AAA can help you plan a variety of luxury cruises … with the only limit being your imagination. Set your destination to luxury.
ALL THINGS – YES GOODS & SERVICES
On a related point, how to you feel about threatening people with dinging their credit by reporting them (to TRW), knowing your tax bills, which you put stamps on & use U.S. postal roads (how they got Capone), are false charge misrepresentations plus?
By all means take your time round tabling about IT. Meanwhile, we are tutoring others via our learning center network about all of IT, step by step. I, so you know, among other brother & sister hoods, was a Sigma Alpha, the single largest UC network in the country. Now, do you remember the words “NO ABRIDGING” PURE LAW PETITION? See Hustler v. Falwell.
May 29, 2007
David W. Flinn (AAA)
Claims Manager
8765 Fletcher Pkwy
La Mesa, Ca. 91941
After reviewing your correspondence dated 9-27-06, in which you state that I am 100% at fault for running a solid red light, I noticed that you made this legal conclusion based on the wrong law, which you cite as controlling authority.
So you know, that law does not apply to me because I am a first class 14th – 10th Amendment citizen. I never opted into your optional California State Law foreign system. For your edification, I have attached proof of my 100% United citizen ship, as a resident in the United, immunizing me, by the privileges & immunities clause, from any state stuff you quote as binding.
With regard to running solid red lights, you have not provided me, the principle, with a single accounting of what money you have paid out in connection with the bill of credit (INS) you (agency) solicited and sold to me. Is that a common practice of yours, or was IT just an oversight?
ACCOUNTING ACCOUNTABILITY & LIABILITY FOR CALCULATED IN HOUSE SCRIPT FRAUD BLOCKERS
With respect, I would like the documentation backing up that the claimed numbers were set by legal price protocol before I can authorize a single penny being paid out to anyone.
Date: 05-29-07
By IT
c: Ken Knight’s Ring
C: Kelly Kaiser (Esq) Roll
To: AAA Staff, T. V. Mckernan, Robbert T.B., C. Siomonsen, Peter Kofoed, Bill Sobol, S. Poizner et al –
Price (Protocol) Agents
Date: 06-12-07
Re: Agent Scripts, Finance Bills of Credit Plus
Gentlemen, this is an unedited response:
I have your one page letter dated 07-08-‘007. In it you wrote, e.g.:
A) [A]ll automobile insurance policies are rated [priced & termed] in strict compliance with our current rating plan that was submitted to & approved by the Ca. Department of Insurance (CDI), aka,
THE STATE BILL OF CREDIT
EMISSION DEPARTMENT – CLOAK;
B) [W]e do not know whether or not renewal will be offered [at any price]; &
C) I hope this letter adequately addresses your concerns.
With respect, you didn’t address a single one of what you call “concerns” of mine. Instead, you vaguely pass the buck off onto the government, Arnold, saying he anointed your Sugar Schedule, your Sugar Concessions & your Ponzie stock scheme, crossing all faith in contracts. You suggest that Arnold, by some undefined power vested in him (G. Cary adoption), personally anointed the rate (price) protocol you employed to set up my contract rates, without disclosing to me what it is:
To remind you, no man is allowed to do anything except obey legal price protocol. In Rice, Sacramento has specifically been reminded that it is a felony to even be a conduit for rival price alignment.
ABOUT AAA’S PRINTING STOCK MONEY
VOID STATE BILL OF CREDIT EMISSSIONS
In addition to the above, to remind you, Article 1:8 delegates the power to coin [stock=] money to D.C., not to you, via lobbying Arnold’s Statemen:
“Where rights secured by the Constitution are involved, there can be no rule making or legislation which would abrogate them.”
In military terminology, desertion is the abandonment of one’s duty or post without [legitimate] permission.
About all of it, the following principles are on point with the plain language at issue:
“No particular clause [for Arnold’s emission of bills of credit] has been referred to.”
The purpose for which … [we] enter into society will determine the nature & terms of the social compact.
An ACT of the Legislature (for I cannot call it a law) contrary to the great first principles of the social compact, cannot be considered a rightful exercise of legislative authority….
The genius, the nature, & the spirit … amount to a prohibition of such acts of legislation; & so the general principles of law & reason forbid them….
To maintain that our … Legislature possesses such powers … would … be a political heresy, altogether inadmissible in our … [republic].
To allow this to be done … upon reasons purely political … renders … interpretation impossible – because tribunals, as such cannot decide upon political considerations.
ABOUT TRACING ALL OF
OUR CASH MONEY DROPS
Now, about exactly what you do with all of the revenues you take in, by contract, every day you operate:
“The applicability of [supreme law] … depends upon the actual facts not the words that may have been used in the contract.”
I asked that you confirm for me that you are not in fact engage in a Ponzie scheme, draining the funds for your top operators & stock holders, then paying off claims based on others revenues. You have elected to dodge your duty in this regard as well.
Is it your position that:
A) You put IT all into a high yield CD & keep the interest?
B) You gamble in other stock markets with part of our money?
C) You do not put it all into a client trust fund account?
D) All of the above plus other (e) pool stuff?
It will be an interesting position to see someone advance, in court, that the above acts somehow conform to rules of “competition,” which are clearly defined:
[A]ny combination which tampers with the [direct cost] price structure is unlawful.
Are you suggesting that the bill of credit department is allowed to directly tamper with the price structure, when Rice clearly says that Sacramento may not even do IT indirectly?
[Even if] … the participants in a price … scheme may be in no position to control the market, to the extent that they raise, lower or stabilize prices they violate the act, and this is so even if the prices fixed are reasonable.
DMV POINTS – INSURANCE RIGS – A XXX COMBINATION
Shifting, is it a common in house practice to cut off a citizen from access to insurance (renewal) (which Arnold & his predecessors decided to mandate all residents, for stock holders bank) based on a record of one accident in 16 years? Or does that comment have something to do with the mediation communications I have conveyed to you?
To recap, the mediation memos & inquires I submitted are contained in, among others, the following “dated” memos I confirmed sending you all:
February 2, ‘007, April 12, ‘007, April 14, ‘007, 04-24-007
Date: 06-12-07
By: IT