IF YOU KNOW OR IMPROPER OF UNETHICAL BUSINESS PRACTICES OF IRISH BANKS OR POLITICIANS...

In the coming days I will be setting up an email
address and website for persons working for the
Bankster institutions of Ireland like the:

ACCBank
Allied Irish Bank (AIB)
Anglo Irish Bank (Anglo)
Bank of Ireland (BoI)
ESB Educational Building Society (Ah such nice names)
First Active plc
First National Building Society
ICC Bank
Irish Nationwide
Nationwide Irish Bank
Permanent TSB
Ulster Bank

IF YOU KNOW OF IMPROPER OR UNETHICAL BUSINESS PRACTICES
OR DEALS THAT HAVE TAKEN PLACE, OR KNOWLEDGE OF HOW THE
BANK SCREWS PEOPLE, THEN CONTACT ME. ANY CRIMINAL MISCONDUCT
WILL BE REPORTED TO THE AUTHORITIES.

BUT, IT OFTEN HAPPENS THAT THERE SEEMS A RESISTANCE
AMONG ELECTED OFFICIALS TO PURSUE, OR INVESTIGATE BANKING
MISCONDUCT. AFTER ALL, WHO DO THEY SEEK ELECTION CONTRIBUTIONS
FROM? BANKS FOR SURE.

AND BANKS SEEK TO LEND TO POLITICIANS; IT MAKES IT EASIER
TO KEEP THEM IN THEIR BACK POCKET, AND AVOID LEGISLATION
THAT THEY DON'T FAVOUR.

THIS IS ALSO FOR THOSE PEOPLE WHO WORK IN THE GOVERNMENT
AND KNOW OF CORRUPTION WITHIN. IF YOU ARE PATRIOTIC, THEN
KNOW THAT YOUR LOYALTY LIES WITH THE IRISH NATION, ITS PEOPLE,
AND THE CONSTITUTION. YOU CAN MAKE A BIG DIFFERENCE BY DISCLOSING
THAT WHICH IS WRONG AND UNETHICAL.

FOR THOSE IN THE LEGAL PROFESSION, EVEN STUDENTS IN INTERNSHIPS
YOU CAN PLAY A BIG ROLE. LEGAL PROFESSIONALS OFTEN OVERCHARGE
CUSTOMERS AS A MATTER OF COURSE...JUST LIKE BANKERS DO!!

I ONCE TOLD A LAW PROFESSOR ABOUT AN INTERN WHO WAS TOLD TO
OVERCHARGE. HE WAS DRAWING UP A NEW CONTRACT FOR A CUSTOMER'S
BUSINESS. THE SOLICITOR TOLD HIM THAT HE COULD DOWNLOAD A BLANK
CONTRACT FROM THE INTERNET AND JUST CHANGE THE FIGURES AND DATE,
AND YOU KNOW...JUST SMALL DETAILS

SO, HE ASKED THE SOLICITOR WHO WAS INSTRUCTING HIM HOW
MUCH HE SHOULD CHAGRE €500?

THE SOLICITOR WAS AGHAST. HE SAID TO CHARGE THE CLIENT THE
SAME AMOUNT AS IF HE MADE OUT THE CONTRACT FROM SCRATCH...
CLOSER TO €5,000 OR SO.

I TOLD A LAW PROFESSOR THIS AND SUGGESTED THAT THE BCL PROGRAM
INCLUDE A COURSE IN ETHICS AS PART OF OF THE BCL PROGRAM. THERE
WAS JUST A NOD OF ACKNOWLEDGEMENT OF WHAT I SAID.

LATER I FOLLOWED IT UP WITH AN EMAIL WHICH EXPLAINED MY REASONING
IN MORE DETAIL. THERE WAS NO ANSWER.

IN THE 1993 I EARNED A MASTERS IN COUNSELING. I WAS BLACKLISTED
IN MY STATE WITHIN 15 MONTHS. I HAD REPORTED TWO COUNSELORS
FOR ETHICS VIOLATIONS;ONE WAS MY BOSS. ONE WAS FIRED. THE OTHER,
MY BOSS RESIGNED.

I THEN SUBMITTED A PROPOSAL TO FORM AN ETHICS COMMITTEE IN THE AGENCY.
I WAS APPOINTED TO CHAIR THE WORKING GROUP. AFTER THE THIRD MEETING
I WAS TAKEN INTO A ROOM AND TOLD BY A MANAGEMENT OFFICIAL:

"WE DON'T NEED THIS" (THE ETHICS COMMITTEE).
WE'VE DONE FINE WITHOUT IT." I MENTIONED ONE NAME AND HE
WAS READY TO LEAVE THE ROOM.
I WAS THEN TOLD THAT IF I DIDN'T RESIGN THAT I WOULD NEVER GET
ANOTHER COUNSELING JOB WITHIN THE STATE.

I DIDN'T MAKE IT EASY FOR THEM.
BUT WITHIN TWO MONTHS OF MY LEAVING THEY WERE FINED
JUST UNDER $1,200 FOR FIRE AND SAFETY VIOLATIONS...
AND EVERY SO OFTEN THEY GOT FINED AGAIN...YEARS AFTER
I WAS GONE.

SO, AT A TIME WHEN PEOPLE ARE BEING SCREWED BY THE
LEADING BANKING FAMILIES ON THE PLANET (THEY ARE GANGSTERS),

AND ALSO THE POLITICIANS WHO ARE SUPPOSED TO SERVE THE
INTERESTS OF THE PEOPLE,BUT WHO SERVE THE FINANCIAL INTERESTS

AND THERE IS CORRUPTION WITH ALL THREE FIELDS: BANKING, POLITICAL
AND LEGAL, YOU WHO HAVE INFORMATION THAT CAN BLOW THE LID OFF THINGS
AND AWAKEN THE PEOPLE...YOU HAVE A DUTY AND AN OBLIGATION TO ACT.

ARE THERE MEMOS THAT WOULD BE EYE POPPING TO THE PUBLIC?

ARE THERE EMAILS THAT WOULD BE EYE POPPING TO THE PUBLIC?

ARE THERE DOCUMENTS THAT WOULD BE EYE POPPING TO THE PUBLIC?
ACT

TO THOSE WITHIN THE BANKING PROFESSION, IN PARTICULAR THE
BANK OF IRELAND; I THANK YOU. IT IS SOON TIME.

THE CURRENT BANKING OR FINANCIAL CRISIS IS DELIBERATELY
ENGINEERED. IN JULY 2007 THE DRUG CARTEL OF MEXICO, WHICH
HAD LAUNDERED $378 BILLION IN THE PRIOR FOUR YEARS THROUGH
WACHOVIA BANK WITHHELD THEIR CASH FROM THE BANK TO PROTEST
AN INVESTIGATION AGAINST THEM, THE CARTEL.

ALMOST OVERNIGHT WE HEARD OF THE 'CREDIT CRISIS.' THAT IS, THE
BANKS WERE SUDDENLY SHORT OF CASH.

MUCH OF THE LIQUIDITY OF THE GLOBAL-OR WESTERN BANKING
SYSTEM IS DEPENDENT ON DRUG AND OTHER DIRTY MONEY.

WHEN THEY CARTEL(S) HELD BACK THEIR MONEY IT CAUSED THE
COLLAPSE OF BEAR STERNS AND LEHMAN BROTHERS. POOF...NO MONEY
TO LAUNDER, OR A SHORTAGE OF MONEY TO LAUNDER AND THE BANKERS
WERE TELLING THE GOVERNMENTS TO GET THE MASSES OF PEOPLE
TO COUGH UP BILLIONS.

REMEMBER IT WAS THE BANKERS AND THEIR POLITICIANS WHO TOLD THE MASSES
WHAT THE PROBLEM WAS AND HOW IT DEVELOPED (LEAVING OUT THE SMALL
BITS AS IT WERE LIKE DIRTY MONEY)...AND THEY THEN PUT THE SOLUTION
BEOFRE THE PEOPLE MORE MONEY TO BE TRANSFERED FROM THE PEOPLE TO
THE CRIMINAL ELEMENT: THE BANKING ELITE.

THE PEOPLE ARE SUPPOSED TO ACCEPT POVERTY: MODERN SERFDOM!

YOU CAN EMAIL ME AT p.meuse2005@gmail.com or pmeuse2000@yahoo.ie

I AM DEALING WITH THE BANK OF IRELAND ON AN ALLEGED
CREDIT CARD DEBT THIS IS THE LETTER THAT I SENT THEM

This is a letter that I sent to the Bank of Ireland regarding
an alleged credit card debt.

27 May 2011,
Head,
Group Legal Services,
Legal Department,
Bank of Ireland,
40 Mespil Rd,
Dublin 4

To Whom It May Concern,

This is in reference to an alleged debt regarding a Master Card (No. 5462 5871 6039 9651). The Bank of Ireland had without my knowledge, or consent handed over to a third party, private or personal information, data, and financial or other history about me regarding an alleged credit card debt. The third parties in question are Cabot Financial (Ireland) Limited, PO Box, No. 11151 Tallaght, Dublin 24, and their enforcement agents Belgard Solicitors, Block C, Old Belgard Road, Cookstown Court, Tallaght, Dublin 24, and possibly Cabot Financial (Europe) Limited.

In doing so the officials within the Bank of Ireland acted improperly, inappropriately and unethically. I never authorized the Bank of Ireland to do this. These two parties have no legal standing in this matter. I do not recognize them.

Before Bank of Ireland officials acted improperly and unethically, and without my knowledge or consent and involved a third party with no legal standing and gave them private, or personal, information, data and financial, or other history about me I had notified the Bank in 2010 that I would be returning to Ireland from the Netherlands and would address the Banks allegations upon my return.

Further, I stated that I considered the overdrafts placed into both my current and credit card accounts at the end of 2007 without my knowledge, will or consent, to be not only improper and unethical, but to me, it is a banking scam.

When the bank placed these overdrafts into my accounts, bank officials knew that the bank was bust financially, and could only survive by borrowing heavily from the government; that is the citizens of Ireland and their money. Under those circumstances, when the bank put money into my accounts the Bank of Ireland ‘created money without my knowledge or consent.’ That is illegal!

Lending money is a big way that banks make money, but the credit crisis of 2007 meant that banks would not be able to lend money as they had before the crisis. By giving overdrafts to customers when the bank itself was nearly broke, and needed to borrow money to stay afloat, top bank officials knew that if people got into debt way over their heads, the bank could charge them higher interests, fees and charges. That’s what the Bank of Ireland did to me and others. It took me from January 2008 until after my August 2008 credit card payment to bring my balance under the €2,900 credit limit.

When the bank offered me a credit limit of €5,000 I said ‘No,’ and asked for €2,900.00 tops. I knew that I would have problems with repayments on a higher credit ceiling.

In giving me overdrafts Bank of Ireland officials acted improperly and contrary to generally accepted and sound business and lending practices. My financial circumstances did not merit it. I had been having difficulty making any significant reduction on my credit card balance. My sole source of income is disability payments from my service during the Vietnam War. I was a Marine Corps rifleman; a ‘grunt.’ I volunteered twice. I have a fixed income, in dollars.

Bank officials ought and should have known that to give me an overdraft without my knowledge, and considering the difficulty I was having with repayment was entirely inappropriate. That fact alone is reason enough not to extend an overdraft to someone with my limited resources. It’s an alarm bell!

Had bank officials exercised a bit of due diligence they would and should have realized that I was at a higher risk of defaulting because of my circumstances.

The Bank’s actions were not just improper business practices; they were unconscionable! The bank’s actions not only put a greater financial burden on me, but also caused me emotional distress.

In January 2008 I was unable to access my Banking 365 account. In 2009 I returned to Ireland to straighten it out, but I was unable, and could never again gain access to my Banking 365 account. This added an extra financial burden, and was a constant source of stress which aggravated pre-existing medical conditions. I have seizures and post-traumatic stress. . Let me tell you what this meant. Each month I had to wire money to a friend via Western Union so that he could make my credit card payments and deposit money into my current account to cover charges.

In addition, I was being billed for credit card insurance (Payment Protection Insurance PPI?) on the Bank of Ireland Master card. I complained from the Netherlands that the extra charges made it more difficult to keep my current account above a negative balance. I asked that it be discontinued, but was told that I could not. I was charged extra fees for my current account, plus the higher interest rate on the credit card, and other charges and fees. In other words I got a Royal Porking!

I have since found out that customers have been refunded for payments made on the PPI. It’s just another way for the bank to increase their profits.

This is what banks do. My mother worked in banks much of her working life.

I have read the Data Protection Act, 1998 and 2003 with a fine-tooth comb, plus the relevant sections of the NON-FATAL OFFENCES AGAINST THE PERSON ACT, 1997, Statutory Instruments, EU Directives and other legislation going back to the 1800s.

At this point, I am requesting that the Bank of Ireland provide me with:

One, all private, personal information or data and financial history concerning me, that the Bank of Ireland has provided or shared with Cabot Financial (Ireland) Limited, or Cabot Financial (Europe) Limited, or Belgard Solicitors or any other companies, government or non-government agencies or persons: anyone in relation to this alleged, credit card debt. This includes credit agencies.

Secondly, all private, personal information or data and financial history concerning me, that the Bank of Ireland possesses, or has compiled.

Three, I request the original (if any) contract signed for a credit card.

Four, I want to see an accounting of all charges on both my current and credit card accounts and PPI, or credit card insurance charges between 2007-September 2010.

I remind you that the destruction of any data in attempt to avoid full disclosure would not only be completely improper and unethical, but may well entail criminal liability.

You should and ought to have been aware that soliciting or giving such personal, private information, data or financial history may well have entailed a breach of my right to privacy regarding personal, financial or other information as covered by the Data Protection Act, 1998 and 2003, Statutory Instruments, EU Directives and laws. If I find that there was a breach of professional codes of ethics by bank officials, or legal professionals working on the bank’s behalf, I will pursue the matter as a personal mission.


27 May 2011

Therefore any consent implied, or that the Bank of Ireland thought it had, was and is without my permission, knowledge or consent to involve a third party in this matter and is hereby revoked and unequivocally withdrawn by me. The Bank of Ireland has no right to infringe my privacy.

I had sold (telesales) MBNA Master Cards prior to moving to Ireland in 1997. We were given training sessions by MBNA personnel. One of the principal points driven home in our training was to rush past the disclosure section. That is, the section which explains how a customer’s interest rate or percentage could rise astronomically. We were told to speak as fast as we could.

Secondly, if a customer asked a question like ‘what is this about,’ or ‘what does that mean,’ or ‘what was that’ we were instructed not to give a straightforward and truthful answer, but to tell the customers “oh, this is just the standard procedure to read everything for your benefit, and you will receive a copy of everything.” So, I know how underhanded and unethical credit card providers and banks can be. That is the reason I stopped, and refused to sell MBNA, or any other credit cards.

When I returned to Ireland and received correspondence from Belgard Solicitors I did the following: I researched (it is ongoing since Sept. 2010) Belgard Solicitors, Cabot Financial (Ireland) Limited, and Cabot Financial (Europe) Limited and the Bank of Ireland (ongoing). I spoke to persons who had dealings with Belgard and Cabot in Ireland, and in the UK (ongoing). I know that Cabot Financial, the third party that the Bank of Ireland involved, has a statement of principles full of lofty words, but they are known as the ‘Bully Boys’ in the UK. In Ireland, persons with prior dealings with both Cabot and Belgard Solicitors have told me just how invasive some of their tactics are.

Since last year I have been in contact with former law enforcement persons and groups who doggedly pursue money laundering trails. I have been researching and monitoring the Bank of Ireland, Cabot Financial and Belgard Solicitors in this regard, and which companies they do business with. What are the records of those companies, have any showed up on lists as being suspected of laundering money, or been sanctioned, or known to be. Sometimes it is just one individual.

When I first opened an account at the Bank of Ireland I had to sign a form guaranteeing that I would not launder money. I laughed, and told the woman, sincerely and politely that ‘All banks launder money.’ She assured me that the Bank of Ireland did not launder money. I told her that
she may not, but banks launder money. I was right.

My experience is that banks and companies even law firms launder money. Since September
2010 I have been researching and compiling which companies in Ireland are CIA (many), Mossad; MI6, or Russian SVR fronts. All intelligence agencies launder money, and engage in drug trafficking. They don’t need banks, but criminal organizations do! The purpose of my research is to establish a link between a front company, or criminal group and the Bank of Ireland or Cabot or Belgard.

For instance, the credit crisis of 2007 (summer) is directly related to the fact that in July of 2007 the Mexican drug cartel stopped sending money to Wachovia Bank through London. That was the onset of the worldwide, or western world credit crisis. Wachovia had laundered $378 BILLION for the drug cartels over a four year period! And, that’s only what we know about! In 2010 Wachovia agreed to pay $160 million to settle, or stop prosecution for laundering drug money. Chump change.

Further, the entire ‘global banking liquidity’ is financed from the enormous amounts of drug money provided by the Mexican drug cartels, and other criminal organizations. When the Mexican cartels withheld their cash Bears Stearns and later Lehman Brothers went belly up; bankrupt.

That is what I have been doing since September 2010. It is only a matter of time.

27 May 2011

I have a strong grounding in ethics. I led a working group to form an ethics committee, and write a code of ethics for a counselling agency. In 1994 I worked for the point man in the Attorney General’s office of Consumer Fraud in my state. It was one case, and involved surveillance, research and more. My reports had an individual put in jail a number of times; he was let out within 24 hours, but due to my unrelenting persistence, and the tenacious work of others he went to jail for a good stretch.

In the past I have had persons removed from positions of authority within forty-eight (48) hours
of filing ethics complaints. I will soon submit a detailed report to the Attorney General of a state I lived in that will expose the cover-up of gross negligence, and unethical conduct (it should result in criminal charges) at an agency I worked at 17 years ago. It has taken 17 years of detective work; I am persistent, and close to putting the final pieces of the puzzle together. Most important to me is to strip the legal counsel of his legal qualifications for the advice he gave in those cases.

The Bank of Ireland has no idea of who they are dealing with, nor my capabilities.

I wish to put you on notice that when I establish improper, unethical, or illegal conduct the only questions that will remain will be who did what? How, and why? And, I will find out.

The other questions will be how the Bank of Ireland proposes to compensate me, both monetarily and non-monetarily, and if the Bank wishes to settle the matter in or out of court. It matters not to me.

I have met other individuals who have had their entire credit card balances erased by
The Bank of Ireland for overcharging, unethical or improper business practices, and other reasons.

This matter could be resolved quickly if the Bank of Ireland erases the alleged debt. Secondly, to compensate me properly for what the bank has done to me, and in overcharging me all along the way. The bank acted improperly in giving me overdrafts, and then whacking me with an assortment of fees.

To pass my personal and private data on to third parties that has no standing in these matters was improper, unethical and compounds a wrong; grievously. This ordeal has aggravated both of my pre-existing medical conditions; seizures and Post-Traumatic Stress.

I will allow for ten days for the bank to respond to the requests. I do not wish to be contacted by phone, nor in person. I wish the contents of what has been divulged with regard to me as stated
above to be forwarded to me in the post.

Any further contact by a third party on behalf of the bank or by the bank itself beyond requested information, unless an offer to settle the matter as the bank has with others will be deemed harassment and the aggravation of pre-existing medical conditions by virtue of negligently induced stress.

I am writing my first novel, and attempting to finish an L.L.M. that is my priority; if the Bank erases the alleged debt and compensates me properly for the damage done, I can drop my research, and concentrate on more important things. Once I find criminal activity I am duty bound to report it, and I will find it if I have to go down that road.

Yours

Paul Meuse