Friday, 2 January 2015


I have had hundreds of emails from people wanting more details about the promissory note payments. So here it is. Adapt it to your needs and create your own NOTE on fancy paper with fancy borders and artwork to make it appear as legal as possible. It is all just baffling them with the same BS that they use to baffle us with.

NB: DO NOT pay other people or businesses with this form of payment - they are trapped in this system just like you are. ONLY use your own promissory notes for paying BANKS, Sheriffs, Tax Office sand other Government departments that uphold the rights of banks and are governed by the laws upheld by the Judiciary.

Remember that you are not breaking the law in any way - you are using your legal right to create your own promise to pay note - the law allows you to pay with promissory notes in most countries - it is clearly spelled out in the BANK Act and also in the Banks' Articles of Association. It is up to the recipient to state that they do not accept your form of payment, in which case they have to prove in the court that your NOTE is defective and that it it does not comply with the ACT.

Please study the sample Promissory Note carefully.
Get to understand it and what its function is and what is actually written on it.
It was specifically created for the South African legal system – so you may need to adapt it for your country’s legal references on the top right hand side.

In the UK or other countries where the money still says "Promise to pay on demand" the money is actually worth the 10 pound of sterling silver that it claims to pay on demand. In such countries you do not need the TERMS & CONDITIONS on your own Note, as this South African note displays - because we have FIAT currency that has no value at all - so we have to work around using the prescribe "legal tender" money that circulates in the country.

Create a catalogue list where you record the NOTE number – which you made up and wrote on top of note.
Make up any number that makes sense to you. I chose MJTPN001 / MJTPN002, etc.
Keep the catalogue list in a safe place.
Print out the original NOTE in colour on HALF the page - portrait.
Write in Blue ink right under the note the following line by hand.
"The original note is signed in BLUE ink"
This will prevent anyone from copying it and claiming it is the original – colour copiers may cause problems.
Then take it to the cops to stamp - date it below the note on the same paper - sign it in front of the police.
Also take along a letter (2 copies of the same letter)- as proof of delivery – it also needs to be stamped.
Also sign in front of cops - let them stamp and date both copies.
Then make a black and white photo copy of the original colour NOTE - before you deliver the TWO sets.
One set for the bank/lawyers - and One set (the copy) for you.

Deliver to the legal document receiving office at the lawyers OR the postal/legal document receiving of the bank offices – NOT the bank itself
Ask the person receiving it to stamp all four. 2 originals and 2 copies for you.
Put the two originals in an envelope and seal it addressed to the CFO - or CEO
Sometimes the lawyers are a small company where the receptionist receives the post and legal documents – in that case make the receptionist stamp all four and do the same.
Take your 2 copies with you as proof of delivery.
You have just concluded the delivery of a Negotiable Instrument in accordance with the Bills of Exchange Act.
The deal is concluded upon deliver according to the ACT.
Stand your ground. They have to raise objection within 7 days if I understand it correctly.
Claim that you paid with a lawful document - and they need to launch a new legal action against you showing why your form of payment is not accepted.

Use my case of payment by Promissory Note as a precedent in South Africa.
If they do not respond to one delivery - you have a precedent of acceptance of one payment - and therefore they have to accept all others from you.
Be strong and fearless – know what you are doing – be informed.
If they have not come to collect the first payment on the 7th of the month - as indicated under
TERMS & CONDITIONS - it means that they have sold the note and are no longer interested in collecting the money. This is what you have to assume - if ever asked.
Have fun - stay strong.
I have now paid STD bank with 4 notes - dating back to 13 June 2013.

In love, light and unity - Michael Tellinger