⟡ “You Say I Owe. I Say: Show Me — In Writing.” ⟡
Merrick Bank's Alleged Debt Is Formally Disputed with a Medical Communication Exemption and Demand for Validation
Filed: 2 June 2025
Reference: SWANK/MERRICK/EMAIL-01
📎 Download PDF – 2025-06-02_SWANK_Email_MerrickBank_DebtDispute_WrittenOnlyPolicy.pdf
Summary: Formal dispute of a Merrick Bank debt referred to Carson Smithfield. The sender requests full written validation and asserts their right to written-only communication due to disability.
I. What Happened
On 2 June 2025, Polly Chromatic sent a formal letter to Carson Smithfield LLC disputing a debt allegedly connected to a Merrick Bank account ending in 9294. The dispute followed a message sent to her on 29 May 2025.
The letter clearly states:
– The debt is not acknowledged
– Full written validation is required
– No phone or verbal contact is permitted due to medical necessity
– All correspondence must be handled in writing only
II. What the Complaint Establishes
• The sender is asserting legal rights under the Fair Debt Collection Practices Act (FDCPA) or equivalent frameworks
• Medical disability requires non-verbal accommodations, which are formally declared and policy-linked
• Alleged debts are often issued without verification — this dispute creates a paper trail of procedural resistance
• Financial systems rarely account for disability-adjusted access, and place the burden on the individual to defend their boundaries
• SWANK’s style reclaims formality — rejecting shame, asserting dignity, and documenting everything
III. Why SWANK Logged It
Because the burden of proof belongs to the creditor — not the disabled recipient.
Because debt should not become a weapon of silence, intimidation, or verbal entrapment.
Because this letter doesn’t just reject a claim — it rewrites the terms of engagement.
SWANK documents refusals that are elegant, lawful, and medically necessary.
IV. SWANK’s Position
We do not accept that disabled individuals should beg for written accommodations in financial matters.
We do not accept that unvalidated debt can proceed as if valid.
We do not accept that phone-first policies are neutral.
This wasn’t a dispute. This was a recalibration.
And SWANK will file every request that asked the system to slow down, write back, and prove itself.
⟡ This Dispatch Has Been Formally Archived by SWANK London Ltd. ⟡
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