1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 COMES NOW Siren Sur La Mer, sui juris, Alleged Defendant/Counter-Plaintiff (hereafter defendant) in the above-captioned matter, untrained

in the law, unfamiliar with the local rules, not self-represented, not represented by licensed counsel, an individual in the exercise of accountability to the laws of her GOD, asking that this and all future pleadings be liberally construed pursuant to the Kerner Doctrine, Haines v. Kerner, 404 US 519; 30 L.Ed 2d 652; 92 S.Ct. 594 (1972) and ANSWERS the COMPLAINT FOR MONEY filed against her and COUNTER-CLAIMS, as follows: /// 1 Siren Sur La Mer, Alleged Defendant/ Counter-Plaintiff v. BANKSTER CORP., Plaintiff/ Counter-Defendant. BANKSTER CORP., Plaintiff, v. Siren Sur La Mer, Alleged Defendant. Case No. 0207XXXX ANSWER and COUNTERCLAIM Jury Trial Demanded Amount is under $10,000 FOR THE COUNTY OF YOURCOUNTY IN THE CIRCUIT COURT OF THE STATE OF YOURSTATE

Page 1 of 10 ANSWER and COUNTERCLAIM

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ANSWER 1. Defendant denies plaintiff/counter defendants allegation number 1 and demands strict and authenticated proof thereof. 2. Defendant denies plaintiff/counter defendants allegation number 2 and demands strict and authenticated proof thereof. 3. Defendant denies plaintiff/counter defendants allegation number 3 and demands strict and authenticated proof thereof. 4 Defendant denies plaintiff/counter defendants allegation number 4 and demands strict and authenticated proof thereof. 5 Defendant denies plaintiff/counter defendants allegation number 5 and demands strict and authenticated proof thereof. 6 Defendant denies plaintiff/counter defendants allegation number 6 and demands strict and authenticated proof thereof. 7 Defendant denies plaintiff/counter defendants allegation number 7 and demands strict and authenticated proof thereof. 8 Defendant denies plaintiff/counter defendants allegation number 8 and demands strict and authenticated proof thereof. /// 2

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9 Defendant denies plaintiff/counter defendants allegation number 9 and demands strict and authenticated proof thereof. 10 Defendant denies plaintiff/counter defendants allegation number 10 and demands strict and authenticated proof thereof. 11 Defendant denies plaintiff/counter defendants allegation number 11 and demands strict and authenticated proof thereof. 12 Defendant denies plaintiff/counter defendants allegation number 12 and demands strict and authenticated proof thereof. 13 Defendant denies plaintiff/counter defendants allegation number 13 and demands strict and authenticated proof thereof. 14 As to all allegations of damages claimed by plaintiff/counter-defendant, Alleged Defendant demands strict and authenticated proof from plaintiff as to the steps plaintiff has taken to mitigate any damages claimed in its complaint. Specifically, defendant demands strict proof that plaintiff has not received, nor will it receive in the future, any form of money, credit, favorable tax or accounting treatment, insurance settlement, or any other value, consideration or remuneration from the sale, transfer, assignment or novation of the asset represented by the receivable, contract, debt instrument, or any other instrument based upon the disputed account relationship between plaintiff and defendant, which sale, assignment, novation or transfer was never approved or assented to by defendant. /// 3

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1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 ///

15 As to any allegations that plaintiff is the owner or holder of the account, contract, note, or debt instrument that is the basis for the complaint in this cause of action, defendant hereby rebuts and disputes that allegation and demands strict and authenticated proof that plaintiff is in fact the owner or holder thereof. 16 As to all allegations not specifically admitted herein, they are hereby denied and defendant demands strict and authenticated proof thereof each. 17 In defense of the unsupported allegations raised in plaintiffs complaint, defendant asserts the following affirmative defenses. AFFIRMATIVE DEFENSES DEFENDANTS FIRST AFFIRMATIVE DEFENSE: PLAINTIFF LACKS STANDING TO SUE 18 On information and belief, defendant believes that plaintiff that is named in the caption set forth above is no longer the owner or holder of the contract, account, debt obligation or other instrument that is the basis of this cause of action. To wit, defendant believes that this cause of action is being brought in the name of the named plaintiff, however, the named plaintiff has sold, assigned, forwarded, subrogated, entered into a novation of the alleged contract or otherwise relinquished ownership and/or control of the account, contract, debt obligation or other instrument upon which the action is based, and has transferred the asset(s) off of its books for regulatory capital and accounting purposes. DEFENDANTS SECOND AFFIRMATIVE DEFENSE: COMPLAINT FAILS TO STATE A CAUSE OF ACTION

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19 The complaint as it is currently drafted fails to state sufficient facts to establish the necessary elements for a cause of action in contract or account stated. To wit, the complaint is unsupported by any admissible evidence of the existence of a valid and enforceable written agreement, note or other instrument between the parties. Plaintiff has failed to produce any factual evidence demonstrating to this Court that the defendant borrowed money or credit from the plaintiff, or that the defendant promised to pay the plaintiff anything. In addition, the plaintiff has failed to introduce competent evidence of damages that defendant has allegedly suffered by the alleged default of defendant. Absent the introduction of this evidence by a competent fact witness with first hand knowledge of the execution of a valid enforceable contract between the parties and other material facts, the complaint contains no set of facts sufficient to state a cause of action on which relief might be granted herein. DEFENDANTS THIRD AFFIRMATIVE DEFENSE: ESTOPPEL 20 Plaintiff that is named in the caption of this cause of action was served with defendants valid disputes with respect to the alleged account, and failed to respond and satisfy defendants disputes of the alleged debt. Plaintiff has thus defaulted upon its claim by failing to respond thereto. As such, plaintiff is estopped from bringing the instant cause of action. In addition, defendant served written demands for verification, validation and documentation concerning the account, and the alleged debt that is at issue herein, as was defendants right under established principles of contract law and the terms of the Fair Credit Billing Act. Named plaintiff failed to respond to defendants demands for documentation, verification and validation, and continued to pursue the collection of the alleged debt, in violation of established principles of contract, collections and administrative law, thus precluding the pursuit of any collection activities on the disputed account that is the basis for this cause of action. 5

Page 5 of 10 ANSWER and COUNTERCLAIM

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1VERIFICATION Defendant certifies that he has read the pleadings and affirmative defenses set forth herein, and that to the best of his knowledge, information and belief, formed after reasonable inquiry, believes that they are well grounded in fact and warranted by existing law or a good faith argument for the extension, modification or reversal of existing law, and that they are not imposed for any improper purpose such as unnecessary delay or to harass or needlessly increase the cost of litigation. DATED this ___ day of _____________, 2007. .

_________________________________ Siren Sur La Mer, Alleged Defendant

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1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 v.

IN THE CIRCUIT COURT OF THE STATE OF YOURSTATE FOR THE COUNTY OF YOURCOUNTY
BANKSTER CORP, Plaintiff, ) ) ) ) ) ) ) ) ) Case No. 0207XXXX AFFIDAVIT OF SIREN SUR LA MER

Siren Sur La Mer, not individually,

Alleged Defendant ____________________________________)

Comes now Siren Sur La Mer, the Affiant, and does solemnly affirm that the statements herein are true and correct in substance and in fact, to wit: 1. I am legally competent and qualified to testify as to the facts stated herein. 2. I am not well versed in the matters of law, contracts or business. 3. I do not owe plaintiff any sum of money. 4. I never entered into or defaulted on any valid legal agreements with plaintiff, and I am not in receipt or possession of an original or certified copy of an original contract or other legal instrument binding me to the plaintiff, and containing my bona fide signature. 5. I am not in receipt or possession of a certified copy of an original promissory note containing my bona fide signature related to the disputed account. 6. I never agreed to borrow credit from plaintiff, and plaintiff never informed me that it would loan me credit. 7. I am not in receipt or possession of any credit card agreement or any other agreement between myself and plaintiff herein, nor do I recall ever receiving any such agreement from plaintiff. 8. Plaintiff never explained to me the terms of any alleged agreement, and we never agreed

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on any terms to any agreement. 9. I never agreed to the arbitration of any disputes with plaintiff. 10. I never agreed to allow plaintiff to raise the interest rate or fees with respect to the disputed account. 11. I never agreed to allow plaintiff to unilaterally amend or in any way change the terms and conditions of any agreement between myself and the plaintiff with respect to the disputed account. 12. I never agreed to the plaintiffs assignment, sale or novation of any contract, loan or other instrument that is at issue herein. 13. Plaintiff induced me, through deceptive marketing and trade practices, to establish a commercial relationship with plaintiff that has damaged me. 14. I believe that plaintiff, by its actions and omissions with respect to the disputed account has defrauded me, and damaged me financially, emotionally, physically and socially. 15. Plaintiff withheld from me the fact that it routinely amends, alters or otherwise changes the terms and conditions of its credit card agreements in its favor, and in a manner that is always against the interests of its credit card holders. 16. I relied upon plaintiff, who I trusted as a company with greater knowledge in the area of consumer lending than myself, to my detriment. 17. I never would have entered into any agreement with plaintiff of the type that plaintiff is seeking to enforce upon me in this cause of action. 18. I served Plaintiff with valid demands for documentation, validation and verification of the alleged debt, which Plaintiff never provided to me. 19. I am not in receipt or possession of any documentation which validates and verifies the alleged debt using competent evidence, by oath or affidavit of someone with first hand knowledge of the execution of an original contract and/or original instrument of any alleged debt related to the disputed account. 8

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20. I do not owe any debt to the attorney or law firm named as counsel for plaintiff. 21. The debt plaintiff alleges I owe is currently in dispute. 22. Plaintiff has failed to cease collections of the non-verified debt. 23. Counsel for plaintiff has failed to cease collections of the alleged non-verified debt while the alleged debt is in dispute. 24. FURTHER, AFFIANT SAYETH NOT.

____________________ Siren Sur La Mer, Affiant

STATE OF YOURSTATE

) ) ss COUNTY OF YOURCOUNTY ) Subscribed and sworn to before me a notary public this ___ day of ______ 2007. ____________________ Signature of Notary CERTIFICATE OF SERVICE I ______________ hereby certify that a copy of the foregoing was sent to Plaintiff, by first class mail addressed to: SHYSTER ATTORNEY, Attorney for Plaintiff at: P.O. Box 1313, YourTown, YourState, [97440], on this ___ day of ____________, 2007.

_______________ Siren Sur La Mer, Alleged Defendant

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Certificate of Service

The undersigned certifies that this ANSWER AND COUNTERCLAIM and AFFIDAVIT OF SIREN SUR LA MER was served on the Attorney for Plaintiff by placing a copy of this Objection to Plaintiffs Response to Defendants Motion to Dismiss in a postage-paid envelope, and addressing the same to: SHYSTER ATTORNEY Attorney at Law P.O. Box 666 YourTown, State. [13131]

Dated this ____ day of July, 2007, No liability assumed, Always With All God-given Rights, Counsel is Stated in Isaiah 9:6-7 By: , not individually Siren Sur La Mer, Alleged Defendant c/o 1776 Liberty Lane YourTown, YourState. [97402]

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