The fact remains that, I can not find any evidence the bank has ever loaned a consumer money or suffered a loss in the event a consumer defaults. It simply: does not exist. So....no matter what the banks claim, this fact remains undisputed. And, In the absence of evidence to the contrary, the fact is deemed, admitted. That is how you nail their lousy carcus to the wall.
[above author: Jack Harper -- kissin' cousin of canada's prime minister Stephen Harper]