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Credit Cards; No Need to Pay…you already have!

Why don’t credit card balances have to be paid and how have we already paid?

Well there is one simple reason, yet for you to truly believe it and get your head around to the idea, you will have to do a little research yourself and then start looking at the financial system of this world very, very differently. But if you are already in controversy with banks, building societies or any credit card corporations, which is causing you great stress, then there is a quick and lasting fix that will deal with these deceivers. It works, and will give you plenty of time to then research how and why it works as it does. There will be pointers towards the areas of where to research, and then the rest of your journey is yours! The credit card corporation will obviously black-list you for your decision to not let them commit fraud and deception on you anymore, but that is the price!

Now their simple yet brilliantly executed trick (con) is in the name, ‘Credit’ card! You (well your signature or tick in a box on a pc screen and maybe a signature a few days later possibly, but not always) are a co-creator of credit with the credit card corporation. There was NEVER a debt incurred by anyone or anything. Don’t believe it? Then write to the CEO of the credit card corporation and ask for the validation of where a debt was incurred. You will not get one because a debt/loss doesn’t, and never did exist! That alone will get the fraudsters off your back as you now have proof that they have, and continue to commit fraud!

If you want to know why the corrupt banks operate like this, simply investigate a thing called Fractional Reserve Banking, and you will soon discover why the world is in the trouble it is right now!

Now remember that when you get a phone call from the crooked corporation/s, do not give them your name or D/O/B. Inform them (politely) that you would be more than happy to assist them, and they should contact you by letter using recorded post and put any claim they believe they have against you on paper and signed by the corporations Chief Executive Officer (CEO). By the way, this won’t happen, as the CEO knows they are already committing a crime against public policy and would be committing commercial suicide if they even thought about it for more than half a second!

If they keep troubling you by phone with various threats…oh they do make us laugh bless them; simply write to the CEO using Recorded Post with something very similar to the example below in black bold:

Oh, and if you are worried about threats of Bailiffs, visit a great site that shows you how to deal with them very effectively, peacefully and lawfully. Bailiffs commit fraud, it’s just you probably are not aware of that yet! Click here: to be taken to Screw The Bailiff – Clamping Down on Bailiff Crime!

You will soon start waking up to who you really are. This is to assist you whilst you’re waking up and becoming confident with the realisation that no man or woman has power over you, as you have no power of them! All are, and is, equal under whatever label you use to mean Source/Being/Divine…




Full Address of their Head Office


Sent Recorded Post

NOTICE REGARDING ACCOUNT # (whatever the number is)

Dear Sir or Madam:

I would be happy to settle any financial obligation I might lawfully owe as soon as I have received the following documents from you.

1. Validation of the actual debt (the actual accounting).
2. Verification of your claim against me (a sworn affidavit or a hand signed invoice)
3. A copy of the contract signed by both parties and therefore binding both parties.

I hereby give you fourteen (14) days to reply to this notice with a notice sent using recorded post, and signed by the CEO under their full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud or mischief.

Yours truly,

By: ____________________(agent)_Date: ____________




In the world of commerce get used to autographing and using (agent) in brackets after your autograph. This is because you are an agent for NAME in ALL CAPITALS, and the NAME is NOT you!

Now the banks cannot validate/prove the debt because they never sustained a loss and a debt never existed. They cannot verify any claim against you because you are not the NAME they are billing. They cannot produce a copy of the contract because one doesn’t exist; all that exists is an unenforceable unilateral contract, or what the banks refer to as ‘your contract with us’ and this is not a valid bilateral agreement, since the four requirements of a lawful, binding contract were not met on the credit card application. These are as follows:

1. Full disclosure (we are not told that we are creating the credit with our signature).

2. Equal consideration (they bring nothing to the table, hence they have nothing to lose).

3. Lawful terms and conditions (they are based upon fraud).

4. Signatures of the Parties/Meeting of the Minds (corporations cannot sign because they have no right, or mind, to contract as they are legal fictions).

Oh, and always be polite and loving. Remember that the vast majority are not aware of this and so resist becoming righteous. Help others by allowing them, not restricting or trying to control them. You will soon see how much easier that is when you realise the corrupt law makers haven’t ever had any true power over you.

This also helps you stay in honour, which you will start to discover is a massive thing in Admiralty/Commercial redemption.

Credit cards are based upon fraud and are win/win for the banks and lose/lose for everyone else. It is one of the slickest cons on the planet!

Taken from:





  1. Kyle said


    I am a big fan of KellySJones videos. I have a question regarding student loans. Student loans are the only debt I have and will ever have. How is it possible for me to resolve having to pay back the thousands of dollars I owe?

    Thanks so much!


    • changeurmind said


      i think it would be the same process as bank loans and credit cards. Follow the Return To Sender steps. If you would like to serve other Australians – document your process and lets see what happens. Scan in the piece of paper they have sent you outlining your debt and return to sender. If you get a reply – use the above outlined letter on this page. It should stop any further correspondence. This is all frontier stuff – so the more people we have trying out inalienable rights in there own life – the more we are going to lead the way for others…..and of course, the more we step into our own personal sovereignty. Send me the documents and your updates and ill put up your case in ‘real life examples’…………………..wonderful work.

      big love

  2. Bernadette said

    Hello 🙂
    I’m not sure I fully understand this concept. So you’re saying that I can spend hundreds of thousands of dollars using my credit card, buying whatever I like, and that I can just ignore the credit card statement that requires me to pay for all of this stuff untill the bank jumps on my back? And all I have to do is send them a letter asking them to prove what I owe them, and they won’t reply because I don’t actually owe them anything? Man, this sounds too good to be true?!

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