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Hi Oilyrag...

 

Having read a your last few posts, my understanding of your situation is now clearer..... :)

 

A lot of us have been at a stalemate point for some time, but that doesn't necessarily cause any problems. Problems only seem to arise for people when they try and push for closure because the difference between going forward as a Claimant and going forward as a Defendant is huge in terms of what it might cost at the end. The only other way of getting closure is through a F&F settlement, which doesn't suit everyone either.

 

I assumed that you were claiming to have already won a lump of compensation.... so apologies for that :).... but the fact that you haven't places you in a similar position to the majority of us; stalemate, accept for the fact that you've pushed forward with a claim. Most of us don't.... we ride it out until the "alleged" account becomes stat-barred instead.

 

For me personally, stalemate is fine.... I'm not willing to pay and they're not willing to sue. That's fine by me :D I have no interest in defaults, already own my own home and have no need for further credit.... so I'm happy...

 

Like you, I've also uncovered unlawful activity with one lender re. the amalgamation of accounts prior to their sale to a DCA. This was uncovered through a SAR some time ago, but because I was more relieved to get shot of them than go through the aggravation of legal proceedings, I decided to let it go. They were well aware that they'd stuffed up and also well aware of what the SAR uncovered. Although I've kept everything, I (eventually) decided not to do anything with the info. because the outcome for me by doing nothing (unenforceability) was still greater; £800 in my favour....

 

I understand that as a Claimant, the onus of proof is on yourself and that, I believe, is where your problem could lie simply because of the imbalance of power between yourself as a consumer and the company you're after. This is a situation that I would not personally wish to take on, unless my principles were severely compromised and I was also extremely confident about the kind of arguments I could use to win. If I didn't own property, my thinking might be different, but as it stands.... I feel that I'd be risking too much by doing it and I'm not prepared to do that.

 

Have the grounds changed so much? Other than battling CCA, 2006 instead of CCA, 1974.... I don't really think they have. The template letters on here are a great starting point, yes.... but I've still adapted many once I was confident of my position in the game.... because that's what it is... a game.

 

Although the template letters have nearly always provoked a response of some kind, I've found that making a formal complaint to the company itself to be the most effective way of getting them off my back. Not immediately.... but it's always worked for me. It doesn't look good for a company to have 3-4 formal complaints following each other; unresolved and relating to failures raised in the previous ones ;). The OFT and other regulatory bodies are a waste of space, but formal complaints are definately worth doing in my experience, because (I assume), companies wouldn't want these dragged up as part of court proceedings.... not that many anyway.

 

Of all I've dealt with however, Barclays/Mercers were the worst for harrassment due their automated dialling software. Calls made to my home went on for months, but they were never answered. I logged as many as I could before raising an additional complaint which itemised each one. They then stopped completely.... and the account was sold soon afterwards. Unlawfully sold, yes.... but unenforceable means the same whoever has it, so the new lot had no joy either. I've had no contact re. this one for nearly 2 years now.

 

I think the reason experienced members jump in and become defensive is because many newbies often start talking about all kinds of ridiculous revenge-type behaviours re. DCAs and the like without any thought about what they're doing. Unfortunately, Nuke'em comes across as one of these characters... There are also newbies who are DCAs in disguise..... giving real newbies a number of really cack ideas about what to do next. This makes experienced CAG members a little suspicious to say the least and leads us to question their motivation for doing it. :cool:

 

I've said before and I'll say again... I have no magic solution to make financial companies abide by the law and/or make them go away with their unenforceable documents.... but the advice I've given to date has come as close as it gets (for now anyway). There is no regulatory body out there to stand up for us.... even though they may claim to do so. Most are financed by the very industry that we're fighting and they're all in bed together, so to speak; banks, DCAs, CRAs, courts, regulatory bodies, MPs and even the DMP companies who're supposedly there to "help" us. It's very incestuous, for want of a better word.

 

IMO, things won't improve for consumers until these relationships are exposed and broken. How to do it? Not impossible, but it would bring far more suffering in the short term before any long-term results are seen.... because I believe that examples will be made out of some of us in order to dissuade the rest from trying.

 

Difficult... because no-one wants to be one of those people and end up with additional pressures on the back of those they already have.

 

:cool:

Edited by PriorityOne

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PriorityOne

 

Plaese read what I have said rather more carefully. I am NOT repeat NOT a claimant as such in any way to do with consumer credit affairs. So stop saying so. I have always repeat always taken the stance and I cannot make this any clearer that to defend is the correct way to go. It is also the professionals (litigation specialists in this field NO CMC either) approach as well.

 

The "claim" is a side issue which is being used as a "Sword of Damocles really. If they move against us then they full well know that a counterclaim is awaiting with all the necessary proofs as good as they can be are awaiting attention. I am in exactly the same boat as you it would seem and our sols have suggested that if we can live with a trashed credit file then "stuff em really. The results of their investigations let alone ours have revealed and I quote "nothing substantive that can be used legally against you". Hence no proposals, no F & F the court awaits if you dare is their written response to BC on all of our accounts.

 

The account that caused all the problems with lies and losses of our money plus a setoff has gone away, the refused SAR and they will not reaspond in any further way to our sols, now six months since any communication plus they refunded toute suite the "setoff they had illegally taken from our company account.

 

regards

oilyrag.

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Now you two have made up, are we all invited to the wedding :D


Advice & opinions given by spartathisis are personal, are not endorsed by Consumer Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.:)

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Sorry PO the other thing is that the thing that really really hurts a bank is having to pay money out or the mere thought of it.:D

 

oilyrag:)

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The "claim" is a side issue which is being used as a "Sword of Damocles really. If they move against us then they full well know that a counterclaim is awaiting with all the necessary proofs as good as they can be are awaiting attention. I am in exactly the same boat as you it would seem and our sols have suggested that if we can live with a trashed credit file then "stuff em really. The results of their investigations let alone ours have revealed and I quote "nothing substantive that can be used legally against you". Hence no proposals, no F & F the court awaits if you dare is their written response to BC on all of our accounts.

 

The account that caused all the problems with lies and losses of our money plus a setoff has gone away, the refused SAR and they will not reaspond in any further way to our sols, now six months since any communication plus they refunded toute suite the "setoff they had illegally taken from our company account.

 

 

We are in a similar boat then..... yes. A waiting game for stat-barred status, even though yours and mine are unenforceable. The fact that they refunded the set-off amount to you says it all.... :D You have no real worries with this one, IMO. This may not stop them selling it, but with the ammunition that you have.... I doubt that any DCA will be difficult to get shot of. The fact that accounts like these still get sold is still irritating, but easier to live with when you know that the unsuspecting suckers are on a road to nowhere.

 

I hope that that your health is not as much of a worry now Oilyrag.... and much happier that we now understand one another better.

 

:)

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Excellent PO thanks,

 

Heart now stable but still have irrepairable heart failure. Its easy enough to live with and things better now we have this lot a bit more under control.

Just have to make sure my time is always full designing and making the toys for big boys.

 

Best regards

oilyrag.

  • Haha 1

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Freedom can only come to those who educate themselves....

 

The rest of us are bound hand and foot by Commercial/Admiralty/Contract Law.

 

We all belong to the State....

 

and money is a fiction.

 

I keep on dropping hints here and there, I wonder how long it will be before I

have placed a hint, a key on every thread in this entire forum.

 

Keep it up Nuke 'em, you know the truth.... but don't forget challenges under the CCAct also work, thank goodness ;)

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Hi MandM

just pushed the wrong button again and lost the post. However it all happened in earnest about three years ago. We have never used a CMC, it was all a bit too good to be true and too smug.

 

I had planned to be doing it all myself and we had reached the stalemate point really when I had the direst of health warnings, i.e. get rid of the stress or die probably tomorrow with the heart thing. At that point I luckily found CAG but I had to decide to use a solicitor. and after much heart searching I asked for help from a practice that I had searched out. I drew up my own crieria and ground rules. I must have looked at many tens of sites, made a short list and started phoning. It is still a rocky unpleasant road.

 

Point we are at We pay nothing and they won't go to court. We are now in the position of BC being told some weeks ago by the sols "Go to court if you dare we have no proposals to make" We are told in writing that we will be defended with all vigour whatever it takes at no further cost to ourselves. Costs were in fact with disbursements less than the total one months card payments. It is a bit of a comfort to know that you have some back up like this when you are dealing with the hassle.

 

I think they played every trick in the book, including stripping our company account which was deliberately kept in OD for just this reason. Thsi really shot them in the foot.

 

The status quo remains at stalemate, we don't pay anything and they wont go to court.

 

oilyrag:)

 

Your route here has been remarkably similar to my own, although health (touch wood) is not a problem and I truly hope you continue to keep control of that aspect of your life.

 

I asked the questions I asked as your statements echoed the position and thoughts of most of us and you are most certainly in the same boat as many of us on CAG. That's very clear.

 

Like you, I spent many months reading on this site and others, but never made my first post on CAG until the muck hit the proverbial fan and I recieved a summons. Then it was a rather sharp learning curve from that point.

 

I've accepted that 'stalemate' is as good as a win for as long as it stays that way. I've accepted that my credit file is mush for the next 6 years. However, if they push the button and take you to court, then the ammunition that you have acquired during that stalemate period can often be their downfall, and this is where CAG really comes into its own IMHO. Let's hope you can avoid that for the forseeable future, but should it happen then you'll find that you have many friends willing to help, me included.

 

M


________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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OK i have read pages of this and have a question.

 

We are being harrassed via mail and doorstop collectors for various debts being owned by various DCA in regards to the previous tenants.

 

Where do l stand on the charges when l have sent back all letters have told companys dca to go away but they still dont listen?


OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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We are being harrassed via mail and doorstop collectors for various debts being owned by various DCA in regards to the previous tenants.

 

Where do l stand on the charges when l have sent back all letters have told companys dca to go away but they still dont listen?

 

Why are you worried about charges when they're not your debts? :confused:.... or do you mean that you want to charge them for harrassment?

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All very interesting posts.

 

Hope things go well for u Oilyrag and improve keep fighting the fight.

 

Interesting and helpful comments Priority One.

 

It`s all a game and a learning curve.

 

So stalemate really is good and I can live with that.

 

That`s about my position. So it is nice to hear that that is about the status quo.

 

No magic solution never said there was.

 

Yet it is nice to hear and reassuring that some of us are in the same position.

 

Sometimes no matter how many posts you read you still think there is more you should be doing or should have done.

 

Thus I have found especially the last few posts helpful in a reassuring way.

 

So for me that is a result and now back to fighting those cretin DCA`s.

 

Good Luck.

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Dont want to start this thread off again, this is more in referance to the earlier pages, around 3-8.

 

the main points being discussed were that none of this stands up in court, this isnt based on contract law, where (i think) nuke em is coming from, but this is 'freeman'.

 

 

this is in ireland but is pritty much the same in england

the reason for linking to this clip is that it shows/proves however you want to look at it, that in fact these 'DE FACTO' courts are about jurisdiction,

the guy in the clip doesnt allow them to gain jurisdiction over him, listen for the statement where he says to the judge ' I relieve you of your duties':D thats just class.

you cannot say that it was a fluke, there is no way the judge would have tolerated this guy if he was talking bull.

 

so the courts are maritime courts, meaning there is so much undiscovered avenues to persue before we start calling people discovering this nutters or wacho's.

and as for david icke IMHO when he talks about the banking cartel and relevant areas,he speak a lot of truth. but lizards im afraid is one crack pipe to many :eek:..... and then leaves what he says of sense, tainted with a hint of whacko, which is a shame.

 

 

pardon my interjection

 

carry on!:D

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Good Luck Jonoh with your battles.

 

And Thank you Mand M.

 

What I can say as a real positive in all this is finding you are not alone. I know comments like this may be a bit off topic, but when you are plumbing the depths as we all seem to have at some time, you feel that you are completely alone. Debt for far too long has been seen as a social disease, you are "unclean" and hence the DCA plays on this.

 

I would say that the once you know you have people with you fighting exactly the same battles that gives a mind set which assists in dealing with all of the hassle. As I said I used to argue with them, now its rudeness and we do not even allow them to speak once they identify themselves, we read the riot act and put the phone down. Log the call and walk away. I vent the anger when its bad by doing something useful like splitting a bit more wood for the workshop stove. And yes there are bad times but I will admit to coming onto CAG and looking at some of the people here who are in a much worse state than me, reaching the conclusion that perhaps things are not that bad after all. Ready for the next call!

 

Sorry for the psychology type stuff but I know the mind set helps.

 

regards

oilyrag:)

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Hi Oilyrag...

 

 

 

A lot of us have been at a stalemate point for some time, but that doesn't necessarily cause any problems. Problems only seem to arise for people when they try and push for closure because the difference between going forward as a Claimant and going forward as a Defendant is huge in terms of what it might cost at the end. The only other way of getting closure is through a F&F settlement, which doesn't suit everyone either. If you dont have closure, then the alleged debt is STILL Owed! now whther it is persued is entirely another (usually financial ) question

 

I assumed that you were claiming to have already won a lump of compensation.... so apologies for that :).... but the fact that you haven't places you in a similar position to the majority of us; stalemate, accept for the fact that you've pushed forward with a claim. Most of us don't.... we ride it out until the "alleged" account becomes stat-barred instead. it is a stratergy that can work over time - 6 yrs

 

For me personally, stalemate is fine.... I'm not willing to pay and they're not willing to sue. That's fine by me :D I have no interest in defaults, already own my own home and have no need for further credit.... so I'm happy...Your alleged debts must be very low otherwise they would come for your house ( Charging order) which they would discover has no mortgage on it , that info they could gain under an oral hearing at the court under oath-

P1, my advice here, get your house put into trust ! then nothing can be touched!

Like you, I've also uncovered unlawful activity with one lender re. the amalgamation of accounts prior to their sale to a DCA. This was uncovered through a SAR some time ago, but because I was more relieved to get shot of them than go through the aggravation of legal proceedings, I decided to let it go. They were well aware that they'd stuffed up and also well aware of what the SAR uncovered. Although I've kept everything, I (eventually) decided not to do anything with the info. because the outcome for me by doing nothing (unenforceability) was still greater; £800 in my favour.... This happens all the time

 

Have the grounds changed so much? Other than battling CCA, 2006 instead of CCA, 1974.... I don't really think they have. The template letters on here are a great starting point, yes.... but I've still adapted many once I was confident of my position in the game.... because that's what it is... a game. ...and it was a great starting place for me back in the end of 2007

 

Although the template letters have nearly always provoked a response of some kind, I've found that making a formal complaint to the company itself to be the most effective way of getting them off my back. Not immediately.... but it's always worked for me. It doesn't look good for a company to have 3-4 formal complaints following each other; unresolved and relating to failures raised in the previous ones ;). The OFT and other regulatory bodies are a waste of space, but formal complaints are definately worth doing in my experience, because (I assume), companies wouldn't want these dragged up as part of court proceedings.... not that many anyway.

 

===

I think the reason experienced members jump in and become defensive is because many newbies often start talking about all kinds of ridiculous revenge-type behaviours re. DCAs and the like without any thought about what they're doing. Unfortunately, Nuke'em comes across as one of these characters.There are also newbies who are DCAs in disguise..... giving real newbies a number of really cack ideas about what to do next. - .For all your allegations implied or stated about me you should be careful P1 about what you write, Where is the Proof of your claim?, if you check back to my orig posts back in 2007 you would see my my alleged debts run high 6 figures and into 7 figures. I was a BTL investor with multiple Mortages & i needed very powerful remedies to back these "creditors" off. Remember you have a house which is all paid for, & if i know a way of placing a jucy fat commercial lien against you/your property... don't you think your creditors do as well ?

 

You need t . This makes experienced CAG members a little suspicious to say the least and leads me & others to question their motivation for doing it. - and me to question why some CAG members try to gag & suppress methods other than the ones they preach/teach!

 

There is no regulatory body out there to stand up for us.... even though they may claim to do so. Most are financed by the very industry that we're fighting and they're all in bed together, so to speak; banks, DCAs, CRAs, courts, regulatory bodies, MPs and even the DMP companies who're supposedly there to "help" us. It's very incestuous, for want of a better word. This i TOTALY agree with 100% !

 

IMO, things won't improve for consumers until these relationships are exposed and broken. How to do it? Not impossible, but it would bring far more suffering in the short term before any long-term results are seen.... because I believe that examples will be made out of some of us in order to dissuade the rest from trying. That's what i have been trying to do, i get quite a few PM's from people who know the truth but wont say so on these boards due to the amount of flak they get from those who dont ( inc one or two V well known CAg'ers who post on these threads all the time!!!!!)

 

Difficult... because no-one wants to be one of those people and end up with additional pressures on the back of those they already have. as i have stated before, what i do is NOT for newbies !!!!!!!!!!

 

:cool:

 

...


[sIGPIC][/sIGPIC]....Please don't bother my master 'cos my sister & I might bite you...

 

I DO NOT offer legal advice

-

"I just say what I say because everyone is entitled to my opinion!"

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OK i have read pages of this and have a question.

 

We are being harrassed via mail and doorstop collectors for various debts being owned by various DCA in regards to the previous tenants.

 

Where do l stand on the charges when l have sent back all letters have told companys dca to go away but they still dont listen?

 

Why are you worried about charges when they're not your debts? :confused:.... or do you mean that you want to charge them for harrassment?

 

Can you clarify this GM. Charges for who. I'm curious now :)

 

M


________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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Freedom can only come to those who educate themselves....

 

The rest of us are bound hand and foot by Commercial/Admiralty/Contract Law.

 

We all belong to the State....

 

and money is a fiction.

 

I keep on dropping hints here and there, I wonder how long it will be before I

have placed a hint, a key on every thread in this entire forum.

 

Keep it up Nuke 'em, you know the truth.... but don't forget challenges under the CCAct also work, thank goodness ;)

 

 

I know Charlie, & i know you know, i have seen many of your dropped hints in other threads :D:D!, still i battle on, not so much on this forum anymore, just dont have the time nowadays. .. if you know where i'm at!

I think during 2010 more people will wake up from their slumber, esp as we move into the mother all of ( planned) financial crashes most of will ever see .. February & March are going to be very interesting!

 

 

& yes i know that challenges under the CCA also work as well

 

 

...Nuke em


[sIGPIC][/sIGPIC]....Please don't bother my master 'cos my sister & I might bite you...

 

I DO NOT offer legal advice

-

"I just say what I say because everyone is entitled to my opinion!"

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GOOD LUCK WITH ALL YOUR BATTLES OILY AND JONO AND PO AND NUKE EM

SO WITH ACC IN DISPUTE REF DCA S I HAVE FOUND WITH THE TEMPLATE LETTERS ADJUSTED TOGETHER WITH MY CHARGES ETC THEY DO IN FACT GO AWAY , HOW LONG FOR ?

SO FAR WITH BC WHOM HAVE NOW TRIED FOUR DCA NONE OF WHICH HAVE SUCEEDED SO FAR MERCERS SCOTCALL IMPACT CALDERS FTC POWER TO CONTACT METROPOLITAN CAPQUEST AND ANOTHER WHOM A CANT REMEMBER ,HSBC HAVE TRIED THREE TIMES ALSO AS HAVE CAP 1

OK SO THEIR IS A DISTINCT DIFF WITH EM FROM AC IN DISPUTE TO NON PAYMENT ETC AM I RIGHT IN SAYING

SO WE NEED TO WORK OUT AND HEAD EACH LETTER REF THE SITUATION ACCORDINGLY ,

AND COLLECT ALL SUCCESSES REF DCA S AND MOVE FROM THERE SO AS TO HELP EACH AND EVERY ONE OF US , AND THINK OF FREAH WAYS REF CCA TO FURTHER TACKLE THESE LOVELY PEOPLE :rolleyes:

I WILL SCAN MY LETTERS AND POST AND OTHERS MAYBE CAN AND WE CAN PUT ALL OUR CLEVER MINDS OK MAYBE NOT MY RETARDED MIND TOGETHER AND GET SOMEWHERE

TOGETHER WE CAN MAKE A DIFF AND AS COMPLICATED AS THE CC ACT IS FOR EVERY TIT THERE IS A TAT LOL PARDON THE EXPRESSION

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I'm going to stick my neck out here.... again...

 

I guess I'm one of those who has taken the time to learn about the system of slavery we live under... not just this country, certainly the other four as well.... USA, Can, Aus and NZ.

 

I was reading the Daily Telegraph today in my local Costa (that's where I rant to anyone who cares to listen) and I was reading an article about our £13 Billion budget deficit and that it would have to be raised by either cuts, more tax (3p) or a mix of both for the next four years.

 

(interesting thought; rumour has it that the Rothschild's fortune is valued at some £500 Trillion, that's £500,000,000,000,000... and they live in this country, have done for 300 years.... just think, a contribution from them of just £One Trillion would solve all our problems and it would take them only a short while to replace it.. after all, they stole it from us in the first place).

 

There was also an article about how this country has become wide open to those who would destroy us, how the internet is working for them, against us and yet another article about amalgamating the three services, Navy, Army and RAF into one unit to cut costs.

 

Well, I've been around a hell of long time years before WW2 but, I believe the future is just a touch scary for our kids. Right now we are in the grip of a bunch of egotistical crooks, both main parties and the banks thru to Brussels and, as this country has been surrendered by law, there is no escape.... UNLESS....

 

UNLESS, the people say so, 'EN MASSE', a true rebellion to challenge their authority which is all a fiction anyway. There is however just one other way that the Americans are working on, an ever growing movement....

 

We, the people of this country should order our government to by-pass the Bank of England and order money/currency to be issued by Her Majesty's Treasury. At the stroke of a pen the deficit could vanish and there would be no usury to pay. We need a few politicians who have guts, guts like John Kennedy who was assasinated, guts like Douglas Bader, Horatio Nelson, Churchill and others throughout history and stand up to these modern slavemasters, these egotisical slimeballs, this so called elite who use us no less ruthlessly than the slavemasters of bygone days with their whips and chains. Those who nowadays lie through their teeth claiming to represent our best interests.

 

Only recently, the longest serving lady senator of the American government stood on her hind legs, in front of the television cameras and demanded that the Federal Reserve should be relieved of its control over the issuance of the $dollar... she went on, before it ruins us all. There are no real differences between US law and ours, their forefathers who were our forefathers based their law on English law many years ago... only statute law is sometimes different but this sits on top of the LAW and can therefore be challenged but with the right words in the right manner... and this requires knowledge and it is available to all who care to look. I hope I live long enough to see a British parliamentarian do exactly the same as this American Senator.

 

If you believe, like the majority believe that.....

 

THE BORROWER SHOULD REPAY THE LENDER,

 

then download the pdf report by Tom Schauf a US CPA (chartered accountant).

 

Tom Schauf .pdf Ebook Download

 

If the link fails, then google Tom Schauf and look for the title AS ABOVE IN BOLD.

 

It just might open your eyes a little wider and bring you face to face with truth.

 

If one man could challenge a local authority in the UK by studying how to use his own language to opt out of the Council Tax, why cannot we defeat all the slavemasters one by one.... inch by inch success is a cinch, but by the yard, it's hard? The CAG is a wonderful powerful group, if they would have the courage.

 

Brig General Wild Bill Donovan who founded and commanded the American OSS (Office of Strategic Service) in 1942 to fight the enemy inside their own borders stated once;

 

"THERE CAN BE NO SUCCESS WITHOUT RISK".

 

At the end of WW2 that worthy organisation became the CIA, our own SOE was disbanded... well, we had our own SIS and MI5.

 

I realise that the moderators may delete or remove it; which is fair enough.

Edited by charlie*

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Why are you worried about charges when they're not your debts? :confused:.... or do you mean that you want to charge them for harrassment?

 

 

Charge them for the harrassement.

 

I am sick and tired of sending back and ppl turning up on my doorstep telling me the electrol roll says they live here. I know it does not and can prove it.

Edited by The GodMother

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Hi there Nuke'em... :)

 

I hear what you say about the perils of not having closure. However, an unenforceable Agreement remains an unenforceable Agreement no matter who has it.... and the older the issue is, the less likely it gets for any company to give you any serious grief over it. That's why it doesn't bother me to leave things as stalemate.

 

Creditors have already tried to come after my house, but dropped legal action once they realised that I was well aware they had no enforceable docs. and was prepared to defend any action they brought. I have not worried about it since. That aside, there's no guarantee that a creditor/DCA will do land registry searches... not all of mine have. My biggest debt was for £52K... so your assumptions that all my debts were small are wrong. This particular one was an ex-repo debt in the pre-CAG days, which I handled myself because there was no other option at the time. Advice from solicitors. was cack to to say the least :rolleyes:... and I eventually settled (F&F) without them ever realising that I'd gone on to buy another property. There was no court hearing, so no info. was given under oath.... as you also implied would happen in your last post.

 

You say you've used powerful remedies to make your creditors back off.... yet on the basis of your letter in post 1.... I remain doubtful, sorry. I'm not saying that what you believe has no substance, as such. What I'm saying is that if you brought some of your arguments into a courtroom, you would more than likely be treated like a raving nutter (IMO) because of the imbalance of power between the system and yourself, if for no other reason. Similarly, It's not that CAG members want to gag/suppress you as such, it's more to do with your posts coming across as rants against a system we all dispise.... which achieves nothing.

 

Whether you receive PMs or not from "people who know the truth" is of no consequence to anyone but you really. What does worry me though is the fact that newbies will latch on to ideas such as yours in the hope that they will provide a solution to what they're going through. You've said that your advice isn't aimed at newbies, yet this isn't made clear in the threads where you've jumped in and advised them to send your letter in post 1.

 

If you've found a few followers on these forums, then I'm pleased for you.... but I won't be one of them. Not for now anyway... ;)

Edited by PriorityOne

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Goodness. We've gone from a catch-all letter (but not for newbies) to consumer law suddenly being defunct to bleeding hearts because of stalemates to slavery and WW11. Look what I have missed being on the page giving real practical advice to people with real problems. What's next? Hope it is how to win the Lottery by applying estoppels and liens!:lol:

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Sorry folks, but the last time I heard folks expressing such firmly held beliefs that they and they alone knew the truth, they were trying to hand me The Watchtower. :razz:

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And the last time I came across those bible thumpers was when they knocked on my front door in Hendon the heavens opened as I tipped a jug full of water over them the little bedroom window - :evil: we'd seen them coming!

 

The information I allude to in my posts comes from many knowledgeable sources, including chartered accountants... here's another, google Mary Croft and read her book, it's in pdf and FREE... "How I Clobbered Every Bureaucratic

Cash Confiscatory Agency Known To Man".... she came to Bristol late last year all the way from Canada and met a lot of people.

 

Remember what 'HE' said when he got into Number 10?...

 

"Education, education, education"

 

Take a look in the Bank of England website.... find this... 'Quarterly Bulletin 2008, Q1 volume 48, No 1, Page 103, Left column, last para, line 4.

 

It's an open secret in the Federal Reserve website too, Chicago Branch...but the best revelation of all, easy to understand is the report by Tom Schauf offered above.

 

By the way, without people like those I mention above, most people on this forum would never have been born, so don't knock 'em.... they did something..... then there was Group Captain Leonard Cheshire VC, a Lancaster pilot who after the war spent the rest of his life opening homes for the disabled.... his wife was Sue Ryder who spent much of WW2 in occupied eastern europe with a little suitcase radio and a morse key, always in danger of ending up like Violette Szarbo (Carve Her Name With Pride) being tortured and shot by the Gestapo.... so YOU could live free.... then she went on to build a network of charity shops all over the country. Read her book; "Child of my Love" - it'll be in any Sue Ryder shop.... better than football or Come Dancing.

 

What was it John Kennedy said,

 

"Ask not what your country can do for you, ask instead what you can do for your country".

 

I can quote Winnie too if you like, equally potent and meaningful.

 

Getting back to other debt cracking systems such as Nuke em talks of.... they do work, but not all the time, just as challenging the Consumer Credit Act works, BUT NOT ALL THE TIME.

 

There is a difference, when these other system do work, then debt is actually cancelled out and credit restored, by law. Irrevocable decisions are made. Under the Consumer Credit Act, unless you get very lucky, debt becomes unenforceable, not cancelled.

 

I have used both systems together, I have not been able to cancel any debt, yet, BUT, we never hear from them any more, that is not to say we won't, but, that's as far as we've got. It all depends on the courage of the debtor, this is why I wrote in the above post...

 

"There can be no reward without risk"

 

In our context, challenging the system is a risk, but, the rewards are high.

 

Yes, this forum is doing a fantastic job, but, I'm sure the owners would agree that there are other solutions to many problems in life - it is the duty of the individual to look after his affairs as best he can and if that means taking more knowledge on board to consider, then that's got to be the way top go - the more knowledge you have about any given subject, the more confident and powerful the individual becomes.

 

I hope some will find my posts of passing interest and not too inflammatory!

Edited by charlie*

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Far more eloquently and simply than I ever could:

 

The Freeman on the Land myth: Debunked

 

These theories can lead to intense irrational fears, distrust in ones own friends, family, government and society and a disturbingly depressing outlook on one’s own country.
There’s obviously nothing wrong with being critical of your government, but it helps, from time to time, to remember that our lawmakers are just too busy making our food, water, air, housing and roads safe to use, that they just don’t have time (and never did) to create a conspiracy this elaborate and ridiculous. Ironically, I recommend to anyone who likes being a free man, to steer clear of the Freeman Movement and the dangerous lies that they spread.

 

And:

 

http://skepticwiki.org/index.php/Freeman_On_The_Land

 

McCann v. Greenway:

Jurisdiction is a matter of law, statute, and constitution, not a child’s game wherein one’s power is magnified or diminished by the display of some magic talisman.

Fisher v. Niemiec: "All of the plaintiff's responsive filings with the court are captioned 'Notice of Refusal' or 'Refusal for Fraud'. These filings are without legal significance and will not be considered by the court in ruling on any matters before it."
and finally, something I really shoud heed more often, were it not that I worry about people taking it seriously:
Advice on arguing with FOTLers

 

Don't.

 

Being fined, or imprisoned, or having his house or car repossessed, or the humiliation of being ordered to undergo psychiatric evaluation, has no effect on a FOTLer's unshakable sense of his own rightness. Nor does the obvious fact that it is just and equitable for him to pay his debts and wrong for him to try to bilk his creditors.

 

It is hardly likely, then, that mere exposure to facts will do anything to help him. We therefore recommend that when you hear someone talking about gold fringe and Admiralty Law you nod, smile, and back away slowly.

Edited by Bookworm

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Who Cares It Aint Going To Change Anything?

 

What Is, Is Direct Action Closing A Bank Through Withdrawals In Protest Or Not Paying Any Direct Debits For A Few Months In Protest.... Not Sure But Needs To Be Direct And Swift


Only direct action by the masses will work....

 

Look at all successes they have never come from negotiation!!!

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