Response to Alliant Credit Union

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 Re: Loan Number XXXX


To whom it may concern,

My name is Zachary Moore, owner of the property at [address redacted]. I received a letter in the mail from Alliant Credit Union dated December 15, 2023 citing information regarding a mortgage contract between myself and Alliant. I am challenging the validity of this contract. 

As you know, in order for a contract to be valid, both parties must put up valid property for consideration. Without consideration, no contract can be lawfully valid. This property must be rightfully owned by each party. In the case of Alliant, the money loaned would need to be an asset on Alliant’s balance sheet prior to closing.

As the loanee, I put up my own property for valid consideration. I put up a promissory note representing my ownership of my work and labor, a down payment of nearly $100,000, and title to the property at [address redacted]

What property did Alliant put up? Please provide evidence that Alliant provided me, the loaner with valid consideration prior to closing. 

If this task is impossible because Alliant created the bank credit that made up the full amount of the loan at the time of closing simply by accounting journal entry, then the contract between Alliant and I is legally void and I will be seeking full title and payments along with damages. 

Consequently, until Alliant provides this evidence, I intend to withhold all future payments. A response is requested by January 15, 2024. If I do not hear from Alliant by then, I may exercise my right to suit Alliant for bank fraud. 

Sincerely, 
Zach

Roll Tide 

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