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Case Filing
IN THE DISTRICT COURT OF THE COMMONWEALTH OF REDMONT
CIVIL ACTION
BastionBank
Plaintiff
v.
TimIsMoney
Defendant
COMPLAINT
The Plaintiff complains against the Defendant as follows:
WRITTEN STATEMENT FROM THE PLAINTIFF
I. PARTIES
1. BastionBank (Plaintiff, current loanholder)
2. TimIsMoney (Defendant, debtor)
3. unalign (BastionBank CEO)
4. Ascent Banking (Collapsed bank, previous loanholder)
5. Riniki_ (Ascent Banking CEO)
6. edwardcul1en (Receiver for Ascent Banking)
II. FACTS
Loan Origination
1. On 2026-08-16 at 12:37 UTC, the Defendant opened a ticket in the Ascent Banking discord server to take a loan of 50k with c629 as collateral. (P-001)
2. On 2026-08-20 at 16:23 UTC, Riniki_, acting on behalf of Ascent Banking, sent a finished contract document to the Defendant for the Defendant to read and accept. (P-002, P-003)
3. On 2026-08-20 at 17:59 UTC, the Defendant sent the contract with their name signed in the signature field back to Riniki_. (P-002, P-004)
4. On 2026-08-21 at 07:58 UTC, Riniki_, acting on behalf of Ascent Banking, sent the $50,000 to the Defendant using Discord PostmanPat. (P-002)
5. The Ascent Banking loan contract states that the "Total Repayment Amount" is $55,250 and "Repayment shall be made in full on or before 1st October, 2026." (P-003, P-004)
6. The Ascent Banking loan contract states (P-003, P-004):
7. Ascent Banking was a registered Financial Institution since 2026-07-27 or earlier. (P-005)
Receivership and Auction
8. On 2026-09-15 at 01:36 UTC, edwardcul1en announced in the Company Docket that Ascent Banking has been placed in receivership, with edwardcul1en as receiver. (P-006)
9. Under the Legal Entity Act (active until 2026-08-20):
10. Under the Redmont Commerce and Finance Act (active since 2026-08-20):
11. On 2026-09-15 at 01:46 UTC, edwardcul1en, Ascent Banking receiver, initiated a #marketplace auction to sell the outstanding loans issued by Ascent Banking. (P-007)
12. The Defendant's loan was included in the auction. (P-007, P-008)
13. On 2026-09-16 at 08:50 UTC, unalign, acting on behalf of BastionBank, placed the winning bid of "257k". (P-009, P-010)
14. On 2026-09-18 at 01:21 UTC, BastionBank sent $257,000 to "AscentRestore" in exchange for the loans. (P-010)
15. The DOC Auction Policy states that:
16. Sir_Dogeington v. Lolerdabest69 [2025] DCR 77 states:
Defendant's Failure to Respond
17. On 2026-09-18 at 05:06 UTC, edwardcul1en, Ascent Banking receiver, pinged the Defendant in the Ascent Banking discord ticket notifying the Defendant that their loan has been transferred to BastionBank. The Defendant did not respond. (P-011)
18. On 2026-09-25 at 18:53 UTC, unalign, BastionBank CEO, pinged the Defendant in the Ascent Banking discord ticket asking "did u quit?". The Defendant did not respond. (P-011)
19. On 2026-10-03 at 15:08 UTC, unalign, BastionBank CEO, sent an in-game mail to the Defendant notifying the Defendant of a Default Notice and that they have 7 days to pay or a 2% late fee will apply and they will default. The Defendant did not respond. (P-012)
20. On 2026-11-02 at 07:22 UTC, unalign, BastionBank CEO, DM'd the Defendant trying to get them to pay back the loan as they already had the funds in the balance from eviction auctions. The Defendant did not respond. (P-013)
21. The Plaintiff made at least four attempts at contact over 46 days (Facts 17, 18, 19, 20); the Defendant responded to none of them.
Supporting Context
22. Pressler, Felt & Warshaw, LLP v. FuriousPaladin [2023] FCR 93 states:
23. The contract in Pressler, Felt & Warshaw, LLP v. FuriousPaladin [2023] FCR 93 states:
24. BastionBank was and currently is a registered Financial Institution since 2026-07-10. (P-014)
25. On 2026-09-25 at 18:53 UTC, unalign queried the Defendant's playtime using /about TimIsMoney, it was: Total: 9d 8h 15m 13s, Last 30 days: 17h 28m 13s. (P-011)
26. On 2026-11-11 at 17:14 UTC, unalign queried his own playtime using /about, it was: Total: 1 month 8d 2h 41m 51s, Last 30 days: 5d 7h 27m 4s. (P-015)
27. On 2026-07-28, edwardcul1en stated that he had 2d 22h 56m 1s of playtime. (P-016)
28. Riniki_ was the CEO of AscentBanking since at least 2026-07-12 to 2026-09-15. (P-017, P-018)
29. unalign has been and currently is the CEO of BastionBank since at least 2026-08-15. (P-019, P-020)
30. As of filing this case on 2026-11-12, the Defendant has not sent a single message or paid the loan back.
III. CLAIMS FOR RELIEF
Breach of Contract: Ascent Banking loan contract
1. Offer under the Contracts Act:
Ascent Banking expressed their willingness to enter into a contract as Riniki_, the Ascent Banking CEO, sent a finished contract document to the Defendant for the Defendant to read and accept. (Fact 2)
2. Acceptance under the Contracts Act:
The Defendant accepted the given contract as the Defendant sent the contract with their name signed in the signature field back to Riniki_. (Fact 3)
3. Consideration under the Contracts Act:
Ascent Banking gave $50,000 to the Defendant on 2026-08-21. (Fact 4)
The Defendant in exchange would repay $55,250 in full on or before 1st October, 2026. (Fact 5)
4. Intent under the Contracts Act:
The Defendant opened a ticket looking for a 50k loan (Fact 1), this is a clear intention to create legal obligations.
Ascent Banking is a Bank (Fact 7) so they provide loans to make money off interest.
5. Capacity under the Contracts Act:
The Defendant had a total playtime of 9d 8h 15m 13s as of 2026-09-25 at 18:53 UTC (Fact 25), of which only 17h 28m 13s fell within the prior 30 days (2026-08-25 to 2026-09-25). Therefore, before 2026-08-25 — and in particular on 2026-08-20 at 17:59 UTC, when the Defendant signed the contract (Fact 3) — the Defendant had accumulated over 9 days minus 17h 28m of playtime, far exceeding the required 6 hours.
It is extremely likely that Riniki_ had more than 6 hours of playtime on 2026-08-20 at 16:23 UTC as they ran a registered Financial Institution (Facts 7, 28).
Further, the Defendant's conduct demonstrates capacity: the Defendant deliberately opened a ticket, read, signed, and returned the contract, and accepted the $50,000 (Facts 1, 3, 4).
6. The terms of a contract have been expressly stated in the Ascent loan contract (Facts 5, 6).
7. The Defendant breached the contract by failing to pay by 1st October, 2026, failing to cure within the 7 day grace period, and refusing to communicate (Facts 5, 21, 30).
8. The Plaintiff notified the Defendant of the Default Notice and that a 2% late fee would apply before it was applied (Fact 19). The 2% surcharge of $1,105 (2% of $55,250) is therefore owed as late fees under Article VI, and upon default the entire unpaid principal, accrued interest, penalties, fees, and all other amounts are due under Article VIII (Fact 6).
Assignment of the Loan to the Plaintiff
9. edwardcul1en, acting as receiver for Ascent Banking, had the power to control all assets and liabilities of Ascent Banking (Facts 9, 10), which includes the Defendant's loan.
10. Offer under the Contracts Act:
edwardcul1en, acting as receiver for Ascent Banking (Fact 8), expressed their willingness to enter into a contract by initiating a #marketplace auction to sell the outstanding loans issued by Ascent Banking. (Fact 11)
11. Acceptance under the Contracts Act:
unalign, acting on behalf of the Plaintiff (BastionBank), accepted the contract by placing the winning bid of "257k" (Fact 13) and subsequently having the Plaintiff send $257,000 to "AscentRestore" in exchange for the loans (Fact 14).
12. Consideration under the Contracts Act:
The Plaintiff gave $257,000 to Ascent Banking (under receivership) on 2026-09-18. (Fact 14)
edwardcul1en, acting as receiver for Ascent Banking, would give "the outstanding loans issued by Ascent onto the marketplace" (Fact 11).
13. Intent under the Contracts Act:
Ascent Banking was being dissolved and was selling its assets which is a clear intention to create legal obligations to sell its loans.
The Plaintiff is a bank (Fact 24), which looks to make a profit of lending.
14. Capacity under the Contracts Act:
unalign had a total playtime of 1 month 8d 2h 41m 51s as of 2026-11-11 at 17:14 UTC, of which only 5d 7h 27m 4s fell within the prior 30 days (Fact 26). Therefore, on 2026-09-16 at 08:50 UTC, when unalign placed the winning bid (Fact 13), unalign had far more than the required 6 hours of playtime.
unalign was the CEO of BastionBank on 2026-09-16 at 08:50 UTC (Fact 29).
edwardcul1en had 2d 22h 56m 1s of playtime on 2026-07-28 (Fact 27), therefore he had more than 6 hours of playtime on 2026-09-15 at 01:46 UTC, when he initiated the auction (Fact 11).
edwardcul1en was the receiver for Ascent Banking (Fact 8).
A receiver has the power to control all the assets of the legal entity (Facts 9, 10).
15. Under the DOC Auction Policy, all bids are legally binding contracts (Fact 15), and this court recognizes an auction as a valid contract which it enforces per Sir_Dogeington v. Lolerdabest69 [2025] DCR 77 (Fact 16). The Plaintiff performed its obligations in full by paying $257,000 (Fact 14).
16. Therefore, the Plaintiff was assigned the Defendant's loan and stepped into Ascent Banking's enforcement rights under the signed loan contract (Facts 5, 6, 13, 14, 15, 16).
17. This is consistent with Pressler, Felt & Warshaw, LLP v. FuriousPaladin [2023] FCR 93, where a loan purchased from a bank was still enforceable by the purchaser (Facts 22, 23).
18. As of filing this case on 2026-11-12, the Defendant has not paid the assigned loan, so the Plaintiff is entitled to enforce the loan contract against the Defendant (Facts 17–21, 30).
IV. PRAYER FOR RELIEF
The Plaintiff seeks the following from the Defendant:
1. $55,250 as Compensatory Damages, being the "Total Repayment Amount" under the loan contract (Fact 5) for Breach of Contract under PART VI of the RCCA as demonstrated in Claims 1–8, which the Plaintiff has the right to collect as the assignee of the loan (Claims 9–18).
2. $1,105 as Liquidated Damages, being the set amount of late fees (2% of $55,250) per Articles VI and VIII of the loan contract (Fact 6), for Breach of Contract under PART VI of the RCCA as demonstrated in Claim 8, which the Plaintiff has the right to collect as the assignee of the loan (Claims 9–19).
3. 30% of the case value to unalign, the Plaintiff's counsel, as legal fees.
V. EVIDENCE
Ongoing Thread 'BastionBank'
By making this submission, I agree I understand the penalties of lying in court and the fact that I am subject to perjury should I knowingly make a false statement in court.
DATED: This 12th day of November 2026
