Card on File Load By Remote ID

Some payment gateways (cough Beanstream) have interesting settings regarding duplicate profiles including the ability to change the duplicate behaviour between permissive and restrictive... In a scenario where it is or was once allowed and then subsequently denied we should to be able to check for local existence of duplicates (i.e. at point of profile creation) to verify if a profile exists locally but belongs to another user for eg. Here is a load function just for that.