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Christmas message to the leaders of the PEOPLE'S BANK GÖPPINGEN

Here is my Christmas message to the co-responsible for the disintegration of my family and heavily involved Banker of the Volksbank Göppingen. This message has been sent to the chief administrator on postal routes. Many employees of the People's Bank Göppingen, mainly branch managers and producers received this message by email.
A resonance there were people from the bankers do not, except that told me a couple of gentlemen of this institution that they learn from me not want to be informed. It is very sad, but I will respect the lack of interest of these people and they now no longer "harass". But I want to give every reader the food for thought that he may be next, the destruction of this lack of Volksbank Göppingen.
Luckily, there is a lack of people and I am glad that this behavior of the Volksbank Göppingen understand absolutely can not (even from their own ranks) and do not understand this practice of extermination.
Volksbank Göppingen will sit out the obvious. She's allowed to, but there is no reason for me to end my education campaign and that other reason than to other people and customers of the People's Bank Göppingen to avoid my fate.
This is my personal contribution to the generally required moral courage "look, rather than look away." I am reluctant to see other people arrive there, where my family is now.
So my advice to many people to think about whether it would be sometimes useful to break with tradition and try new things. This is just a food for thought.

all readers in this way the very best wishes for a peaceful and blessed Christmas.

Here is my letter to the leaders of the People's Bank Göppingen:


Dear Xxx,
the year 2007 draws to a close and looking back I regret to say that I had to do again this year our hands full to at least my family can reasonably bring to make ends meet, which thanks to your, in 2003, the chosen path, was not particularly easy. You remember for sure yet about what to we "owe" and then everything have, with our lives yet always follows your character and will continue to run Sun And of course you and your fellow xxxxxx have done everything, so that we do not promulgated too well. Well, you were, at least in this respect very successfully, for almost 2 years homelessness go in large part to your account, as has been triggered all of this also by you, after you stopped in August of 2003 the payment of my rent after I refused me had to sign this ominous loan agreement, and had objected to my signature on time.
But that's water under the bridge, because unfortunately you can not turn back the time and you can already suffered not undo. This can not and so have a very specific tasks very influential on people, and of course the development of children through such drastic Experiences will be influenced, resulting in poor school performance reflects so much.
a small review in the year 2007 I will allow myself anyway, because this year it had in itself and was influenced by your earlier unfortunate action. On 15 March 2007, we evacuated again and the Seitzenbachstr. converted 35th Has anyone really interested, and certainly not the perpetrators, because they are above everything and the culprits are now times you and your mate xxxxxx, for both of you have had it in hand and as early as 2003, an escalation, contrary to , I control what, in a letter to the Board xxxxxx already in August 2003 specifically asked had. We would go there now much better and the Volksbank Göppingen bad and may have also a quieter life, because I could well imagine that you are suffering from severe conscience issues, unless you are equipped with the luxury of a conscience, because of course you know all too well and who else but what you have done prior to the year 2003 so everything was all said of course you try to sweep under the table, which was a bit too far.
I still do not understand that two bankers have it comparatively easy, a whole family to drive sustained and marked for life, to ruin and unfortunately we are not alone. As example, there are still families in xxxxxxxx, with four children and ...
The year 2007 was also the year in which I for my insults to you very shortly before the arrest was and it was luck and the solidarity of some people, that me this grisly fate was spared what would have of course the loss of my job just pulled behind him, and an entry into the criminal record and only because I had spread my personal feelings in front of you.
But there were also some good news, of course, not only for me. My brother, the Volksbank Göppingen gave the opportunity to redeem and that with a smaller sum than Volksbank Göppingen me was in the recovery of my security, has now purchased a house in the meantime, while I live on the breadline. One of the joys and sufferings of others ... but I do not begrudge him this with all my heart.
My marriage is now also before the off, after my wife has filed for divorce lawyer at xxxxxx in Geislingen. At the latest by 29 February 2008 I must be the shared home, according to the lawyer's claim of my wife, we now since the first August 2007 inhabit leave, so I've rented in a men's dormitory in Geislingen, which I of course is not exactly helpful in dealing with my kids right, but I can not afford not.
Everything negative thing to me and I happened to family since 2003, and everything negative that will break in the future, about me, I can your colleagues xxxxxx and you owe, on behalf of the Volksbank Göppingen and this is after all a fact and that even if They try desperately to put this in dispute, if you do that at all, after all, you know all too well what you did to my family. Why are you so ever acted like you were acting, I can not explain to this day, because in the run I had you ever done anything except that I Volksbank Göppingen in relation to this unfortunate and your movement, commitment Cleanup wanted to help. Still, you had no scruples to leave us on the "blade jump" and that with every comfort.
You may wonder why I wish this is happening in Advent and then write just before Christmas.
The answer is obvious, because at Christmas and this is now the fourth time, I mean from you and your colleagues xxxxxx situation caused abundantly clear conscious because it is the time to celebrate in what other people's Christmas and gifts to their children . distribute We can no longer (distribute gifts to our children), because since we are in the clutches of the Volksbank Göppingen, our life consists only of bailiffs, bankruptcy and garnishment of wages, which drives us naturally to the edge of subsistence, because I can earn as much as I want, so I still remain the only free pledge amount. There is no room for gifts or Christmas.
There will be with us again no goose or a Christmas tree, because such an investment is not possible. You, and your colleague Xxx Xxxxxx have just done a great job.
The festival of peace, joy and love is just completely out. That way, you should do, if you do not have a spark of decency, can fail namely Christmas. How can a normally kind man who served all year long enough damage has, on Christmas Eve in front of the tree sit and sing Oh You A Merry Christmas "while others out of sheer desperation and hopelessness can not think straight anymore?
not even try to install the "Generalausrede" by claiming that this is your job. One can engage in any activity good and bad, and certainly no one forces you to destroy people. Money can stand on human life? Some unfortunately.
you to think of it, if you want for Christmas in the Church and fake piety. You may experience an epiphany, for where the knowledge stops at the faith and finally begins happen from time to actually have signs and wonders.
Perhaps there is a Christmas miracle, and from Saul Xxx, on Christmas night is a Paul.
I would, unfortunately, very difficult for you and your family want a happy and blessed Christmas, because that clearly you are missing the prerequisites.
I wish instead a deserved and appropriate Christmas and a similar 2008. Maybe it will be a year of justice. The hope dies last. In this sense

Hans Hermann (shown in the original)

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Volksbank Göppingen - the Second

Sure it has come to evaluate the reader and the respected reader, that on this page have been relatively long time has been set no more. Well, it was not sure because I am now capable with Volksbank Göppingen have, but it was a question that has since been a lively correspondence with the Department of "credit recovery", where I still needed some documents to allow the issue does can be represented really complete and Volksbank Göppingen thus has no opportunity to make the claim of libel, slander and defamation foot in the door to make me gag with omission or action, what these gentlemen would seek, of course, if they find even the smallest clue to a standpoint.
Meanwhile, by paying a high "dues" has one, however learned and I hope me not to be guided by emotions and to elucidate the full operations in all objectivity and that and I would like to stress once again not specifically because I of the Volksbank Göppingen hope for something, but because it is a basic concern of mine is other people to keep from having them feel the same way as my family and me, or put another way: you have to buy is not necessarily a VW, if it be Mercedes , Opel, Ford, etc. are.
I will by means of original documents, with the gap of documents, very cooperative from the Department of "credit recovery" closed by leave of duplicates, was the complete process and especially the systematic destruction of my family here, "spread",
for this cooperation, I would like to thank you in public again very much after I writing this corresponding with the leaders of the People's Bank Göppingen already have done.
Incidentally, I am just sort the whole "junk" to neatly to him for the prosecution Ulm to prepare and am now curious to see how these people will take up the whole case, because even a blind man can see that something did not true. Of course I am not so naive to to hope for miracles, because as I've seen so far the prosecution Ulm, are always good for surprises.
And who knows, maybe even play one of the nation banker as prosecutors football. What I mean? After my former employer went bankrupt and owes me, by the way is still an amount of 3,600 EUR and I wanted the money from the insolvency administrator, told me this after he refused to pay out to me the owed wages and I was threatened with criminal charges that this is probably no benefit of witnesses, adding that he always Monday with prosecutors in Ulm football games. After each ad so far was wondering abgeschmettert I wonder how great this team really is or whether there are other sports where the prosecutors are one of the party.
For this saying there is really most witnesses who testify at any time this statement would like.
Here are corresponding to think of corruption? Rather, nepotism, even though that has no business to working in a legal system usually nothing.
happen, but it still signs and wonders, and who knows, maybe the prosecutor Ulm at Volksbank Göppingen but can sometimes open the drawers. What I can help I will.
Volksbank Göppingen me the way, then being forced to the Bailiff to I now after a period of three years to take the affidavit. At the same time requested by the Volksbank Göppingen, in the event of my refusal, the arrest warrant to secure the affidavit, had said this to me with continued refusal for six months brought Erzwingungshaft. If
go whole hog and thoroughness is a virtue.

continued shortly

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Des Freud A ', the other's suffering - as the PEOPLE'S BANK GÖPPINGEN the only one doing good ...

order to improve education in terms VOLKSBANK GÖPPINGEN not to be stagnant, I would like to continue to let the pictures speak of various documents, because I assume that what is seen is more powerful than the written word.
If I am to be honest Sun reluctant to me the offender not to be named by name, but there is this unfortunate comparison of 16 January 2004, concluded the District Court of Ulm with Volksbank GÖPPINGEN it denied me and name although at a penalty of 250,000 EUR to the real culprit by name.
Although I can in principle be the same whether I am sentenced to pay this amount irrational, because I could not afford to 5,000 EUR, but I think that these "people" are not worth foist account of which is unnecessary difficulties. My family had already suffered enough because of which to a certain banker had the courage to his superiors the to submit facts in order instead of sacrificing my family knowing what he did to us.
that was not enough he also had the prosecutor Ulm as allies to his side, without asking big a prison sentence imposed against me even though they would have done better to the "other side" to purify a little burn behind closed doors to let. This one did not want to wake sleeping dogs lie and not to devote the entire banking system in question.
quick decision was made from a victim and an offender already approved the "balance" again.
But enough of preface. Again, I will show an example of how the PEOPLE'S BANK GÖPPINGEN was going to rout basically two partners against each other, was allowed to happen by processes that are more than questionable and were.
Set Just imagine that you have at the moment a debt of EUR 100,000 and that without security, so plain and want to buy a car which would cost 12 000 EUR. What do you think your banker would say if you present it to your wish would want to finance a car in such a parlous financial situation?
I say it to you. He would send in the desert or to the more secure if it is not just a means of transportation which takes you from A to B, but a vehicle comprises Middle class. Not so the
VOLKSBANK GÖPPINGEN. Here it is in certain individuals quite possible and if all "Bankerlein" refuse, so we'll do just a board member and told him that his subordinates are clearly not competent and decisive, what is the board member a tremendous boost and he must prove that he qualified in any case and can make decisions and may the subordinates can not just, and certainly not allowed.
And there was actually a verbal undertaking from the top bankers that gave it even though no loan agreement to purchase a car, led, however, that the car house of a friend's party immediately and was acquired due to a call that returns this top of Volksbank GÖPPINGEN with his party colleague.
As you can see from the car radio, this vehicle was on 30 Approved in June 2000. The car radio, you can also see that it is a vehicle of the upper middle class.

So I was able to follow and we see first the account balance in two accounts that you the first two account numbers should remember about the subsequent loan agreement or even understand better not to.

130 112 xxx The account can be seen that this account has over 15,000 DEM was in debt.

The account 135 707 xxx it is a sum in excess of 181 000 DEM, which is here to the loan account of the account 135 707 005, in which a coated checking account was first converted to a loan was. It is precisely this account, which suddenly disappeared at a later date from the scene and it is also the account from which I could not duplicate account statements to get without paying a considerable fortune to have my standards. Well, I have the statements and may explain why the non-transparent approach of the Volksbank Göppingen.

But now let us turn to the loan agreement with ominous premise, I can be equal to that for this car never even a single rate is paid for and the PEOPLE'S BANK GÖPPINGEN has now given away the car to the "buyer" by the Car radio, which was stored in the PEOPLE'S BANK GÖPPINGEN and served as security, has now been handed over to the owner.

Here is the first page of the loan agreement:

Please make on the number of the loan agreement, the top right and red. It's the same number as they can also be found on one of the accounts. The loan amount was 24,000.

Now the second page:

On the second page you can see that although the vehicle on 30 approved June 2000 that the first rate until 1 October 2000 should have been paid, which was a complete joke of course. The problem with the thing that the board member had a problem with the fact that he had indeed approved the purchase of automobiles but now had found no one who drew against this credit agreement by the bank or ever signed.

The whole thing went so well that after the vehicle was part of the dealership due to the call of the board member issued to the purchaser and approved, the car dealership but did not receive money that the loan agreement was not signed and sealed. There had to have been a telephone call in which a clear message that the Board member fell again between the two party colleagues caused the car buyer to call to ask him for it to ensure that the loan agreement at last comes to transfer the sum to the car dealers.

But the bankers turned dour and said only that the (Board member) had to tell him anything and ER (the Director) should have know that with such balances one car financing is possible. This said, moreover, the secretary of that board member.

now on 24 August 2000 was the agreement ready for signing. So almost 2 months after registration of the car. The whole thing was very entertaining and I can very well imagine that when this top banker calls again at his friend for a pre-party car sales to get some, that it answers most, with appropriate gestures very negative.

So all this is true of course but I'll worry about focusing on my next contribution to the defunct bank account with the account number 135 707 005th

The question is how come is it that you draw on a checking account with more than 180,000 DEM could. That was not enough, because after This account was adjusted by means of a loan, it allowed the VOLKSBANK GÖPPINGEN that this account was back with EUR 50,000 in the red. If you add up everything, so has the VOLKSBANK GÖPPINGEN the other account holder loose a quarter of a million € paid, together with a car. All for a transfer fee of EUR 15,000.

My next review is to say: Account 13707 005, at Volksbank Göppingen.

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... But the claim schedules have been accompanied ... (Part 4)

The demand schedules were still accompanied by two letters and that it was a letter meant for me and the other writing for my wife:

And suddenly it was back in the account that by letter dated 6 December 2006 was deleted from the books. The account number was still the same and the question could be allowed that is now going on with that account now. Perhaps it was indeed an oversight on the part of the Volksbank Göppingen, not that I believed so completely in this possibility. My heart terrible.

But the information I could from Volksbank Göppingen get so I wrote on 30 September 2007, Volksbank Göppingen following letter: let

The answer is not long in coming, because By letter dated 1 October 2007 I received the following reply:

first I wanted to leave it at this state of things, and sent on 2 October 2007, Volksbank Göppingen following letter:

The longer I thought about it all the more unsatisfactory, however, seemed the result of my correspondence and therefore I decided on 4 October 2007 to do again, an effort as I sent another letter with the following wording from the People's Bank in Göppingen:

The Reply was pretty much as I had expected. There was no difference in it at that. A board member has signed with and so I got the answer, at least in fact by the Board:

With my letter of 6 October 2007, I completed the correspondence then, since it obviously makes no sense to continue to fritter away time makes no sense:

That was the current state of affairs. To understand the whole circumstances, however, one must start from scratch and, if possible, of course, from scratch, or from where it gets interesting.

And when all is clear, each must consider for himself whom he entrusted his best, namely his money in the future.

Should it still be someone of not quite knowing exactly what to do, the should feel free to contact me, because in person I can say much more than what I may write. Volksbank Göppingen is in fact very quick to those who complain loudly to be very costly shut up at the same time ban, continue to be allowed to name the culprits by name. And it must indeed be wrongdoers, because if someone with a clear conscience can identify with his actions, he may yet bear his name proudly on display. So obviously the people have bank-violence is a huge problem and even the lawyer of the People's Bank Göppingen had expressed to me was, in the same court order as a precaution also forbid his name mentioned. All this may well describe it as at least strange.

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confused bustle, or at least well-considered action on the part of VOLKSBANK GÖPPINGEN? (Part 3)

we now covers short time back for Christmas of 2006 (December 6) and consider the letter, which we on 7 Of December 2006:

I assume that each of the letter would have received the same thought had we, that was that this current account deleted and not replaced, after he had read the last sentence that the current account deleted in the books was set.
I had as a "connoisseur" of the Volksbank Göppingen assumed that under the previous deletions of other accounts and other amounts, then the process has continued and the ladies and gentlemen of the Volksbank Göppingen had finally realized that there's no point making claims to maintain the can never be served and by the enormous interest burden at some point must rise to infinity.
This could be served to anyone.
was also noted in the letter at any point where the value if it was not because you sure could be found, because you had to have at least the theoretical possibility of being able to use this account. In addition, it would be understandable in any case, the interest rate curve.
that as it went, I believe that this account was canceled and my wife henceforth no debt on this account, especially as they are for the account cover at all was responsible, but it is a consultation and transaction between me, a other person to whom the debt of almost a quarter of a million have also been published in full (the proof I kick) and is a (former?) attorney of the Volksbank Göppingen namely by a restructuring of the finances of the "third person" to bring about. My wife was really in an incredibly brazen and outrageous kind of "nailed to the cross." (The evidence I begin also in the form of a loan agreement which read while on the account of my wife, but I auswies a single borrower. No signature of my wife.)
The manager and an associated member of the board of Volksbank Göppingen, of a completely over-indebted person is also still a luxury car and financed the most likely had exceeded its powers totally did not know anything, and both the prosecutor's office in Ulm, as well as the district court in Ulm, introduced themselves fully behind this attorney and board member. The banks have just always right. And should not that be the case, the law in this case is being manipulated.
(After the course of the whole affair is to publish compelling the process and may well be completely indifferent to the reaction of the other side. Responsible Everyone has his actions themselves.)

Having never otherwise thought to allow this account really does not exist anymore, especially on the part of the Volksbank Göppingen never got a bank statement, I decided to anyway, obeying an inner inspiration, my existing debt, to obtain at the Volksbank Göppingen and turned so dated 24 September 2007 with the following letter to the Volksbank Göppingen also because the final list of claims dated back as 13 months.

Incredibly fast I received the latest call ups to the following estimated as:

___________________________________________________________

___________________________________________________________

____________________________________________________________

____________________________________________________________

´

_____________________________________________________________

_______________________________________________________

______________________________________________________

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staff VOLKSBANK GÖPPINGEN have completely destroyed my family (Part 2) The Bank

share a great title as everyone has, and may possibly think of so many that I am the one immeasurably exaggerate and secondly it is very easy to allegations establish not already provable are.
I will by means of original documents, as announced, take the evidence that the headline is accurate and that it is even more true, as some imagine the most daring in his dreams can. The approach from the front of my family PEOPLES BANK GÖPPINGEN is cruel and inhumane and seeks out obvious base motives only focused on my family, as happened to ruin.
Having had booked the VOLKSBANK GÖPPINGEN the "new owner" of the account with the number 135707 005 after paying a small "mite" the whole debt, I had the faint hope you would do the same with me, especially as the PEOPLE'S BANK GÖPPINGEN the proceeds high my standards of life insurance and insurance in the training of my children had been held harmless.
But nothing happened like, and there is the guilt that I, what can be seen from the documents which I published, have caused at any time. The proof is anchored in the account number 135707 005 and the was the only reason that resisted the VOLKSBANK GÖPPINGEN vehemently opposed to duplicate my required of me, bank statements, or for the making of duplicates pre 1000 EUR demanded knowing that I did these 1000 EUR in general can not afford.
interesting in this context is the fact that this above account almost overnight was not. Also allowed the VOLKSBANK GÖPPINGEN safely assume that after I had requested the documents in no way owned by the same bin. My announcement of the publications we thought was a bluff, as I announced, although, from my side but nothing came.
The problem I in the whole Thing had was, how can I make all these statements into the network without the expense is too large and memory intensive should the whole thing to be. In addition, I have had the opportunity to post since I names of people who appear on these statements in order to safeguard the privacy rights, had to erase. I also wanted to make me the option of labeling the statements and that no originals have to describe.
I decided to "*. jpg" for the image format and then began to so so, hundreds of documents to photograph and then to be inscribed. It was tedious and very time consuming, however, the result can let's see what is evident from the six sample images. The originals remain untouched and now store 500 miles from me away, because you never know. Copies of the files are also outsourced, so I am calm and safe on the page.
were the way of me and all documents and facts of the judiciary, photographed in connection with various members of the NATIONAL BANK GÖPPINGEN and archived, and will then appear correctly in the chronology.
While it is nothing more useful to me, so are the visible events of high information value and I can only advise everyone, and he fared something like this to remain in the sinking, but heads held high to the Go public, because only when the public learns of the events, there is the vague hope that something changes and also including in relation to the bias of so many "legal scholar". One must in this context does not think selfishly of themselves, but one has the duty to prevent harm by his descendants.
See now that is the statement of loan account 135707 200 of 2 April 2000 (Voba2.jpg) of having a level of MINUS 177,980.15 DM, which corresponds to a value of minus 90,999.81 EUR.

in to enlarge the
Statements click note

Now you ask the bank statement of loan account 135707 200 a year later, on 2 April 2002 (Voba1.jpg) of having a level of MINUS 89,692.53 EUR.

Is not it strange that although it was served in this year's loan with about 8896 EUR, only about 1307 EUR were paid off? It's so weird how everything was going on. These numbers game only went to my account, because the only thing in common with this account I had was the name of it stood. All transactions were all past me to later at a disadvantage.
And now please look at the statement of the current account 135707 005 of 5 July 2001 (Voba5.jpg) having a level of 7855 EUR. The loan account number 135707 200 result of the checking account 135707 005, which was rescheduled on the loan. On 23 July 2001, the current account in re-coated with 7855 EUR.

On 5 October 2001 was the checking account number 135 707 005 (Voba3.jpg) is covered with 18,599 EUR,

on

by 5 exhibit December 2002 (Voba4.jpg) a stand-MINUS 41,329 EUR.
This was not a problem, because on 1 December 2002 it was re-supply in the form of a loan of EUR 43 415 EUR, as you can see from the excerpt. Though I to this account at no time available power was and I was therefore responsible for the movements of this account at any time, they took me, but I had always resisted fully in the duty and sitting today on a mountain of debt that I never made had. The proof of this I kick.

Now there was a second account, which had nothing to do with me and that the loan account number 130112 208 (Voba6.jpg). But under the so-called commitment to cleanup, this was also "adjusted".

But everything beautiful in turn. You will see that the one for 1000 EUR can be put to the sword, and drives into the hopelessness, while the other generous gifts of money or get to put it in the words of an attorney of the PEOPLE'S BANK GÖPPINGEN ". The People's Bank may finally give their money to whomever you want" How true.

ins foreword I would like to add also like to have two letters from me and two letters of Volksbank Göppingen which show clearly that the part of the Volksbank Göppingen across from me at all was no cooperation and had then already appeared as if it explained the The goal is to destroy me and my family.
that the key to everything said in this account was, it was clear from the start, but it should be made impossible for me ever in this Account to gain insight to the events there for me, obviously never würden.Am 20th August 2004 I sent to the Bank GÖPPINGEN following letter, which I brought, inter alia, the Board noted (AnVoba200804_1, AnVoba200804_2)

with me, of course, no letter from the Board reached, however, from the department of financial recovery, the following were the best (Unterlagen270804).

until 25 July 2006, I wrote again to the PEOPLE'S BANK GÖPPINGEN with the same concerns (AnVoba250706_1, AnVoba250706_2)

to a letter from the 31st July 2006 return to receive a rejection (Unterlagen310706)

Why it took so long until I after the initial call, the second call sent to the Bank GÖPPINGEN was due to the adverse conditions that lay between. But in the course of my remarks, I'll also be at these points in detail, covered with original documents received.
took Perhaps the reason why so long because I had a merciless optimist and as someone who always believes that to the good in people hope never buried, there still is a mutually agreed solution. And bulges as one involving one of the outstanding debt, I was almost convinced that I was now also leave them alone, especially since this would have been right and just. In addition, I was convinced that I recovered the life insurance and the training of my insurance Get children back. But I was wrong.

In the sequel, I will first make the two statements of claim PEOPLES BANK GÖPPINGEN opposite and it may form again everyone has their own opinion.

additional