I have a contract with Bank of America and somehow Santander got their paws on the contract and then was acting as a Debt Collector. Hmmm... Debt Collector? When did i owe Santander a Debt? How did you obtain my private information without my explicit consent? When does a third party person walk up in a contract and demand money? I sent Santander a written Affidavit asking them to provide the contract between I and them, not a faxed copy of a contract loan between me and Bank of America. They couldnt do it. Under the usc title 15 section 1692... as a debt collector ... they must validate any debt that they claim. They cant, because i never gave them permission to enter the contract between I and BOA. Under title 18 section 1001, they now fall under fraud. With harrassing calls they violate the laws of a debt collector which is under title 15 section 1692 also. By demanding payment or else, they now are using "Threat, Duress and Coercion". Im puting in a Default writ because They continue to avoid answering any legal writs of "Notice and Demand". A suit in the Supreme Court will be the next move. Than i will furnish the papers for the public to see the fraud these banks commit on a daily basis.