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    • good idea take some pix and put them in a PDF read UPLOAD dx
    • thread title updated moved to overseas debt forum. sadly as they are outside any UK jurisdiction upon DCA rules which state in the UK they must not call employers, there not alot you can do to stop these scammers. make sure you totally make private ALL social media twitter/facebook/linked in etc etc as there no-way for them to findout where you work otherwise so you must have a leak somewhere. find it. your employer details arent even legally available to UK DCA's so how have they found it out to date???  simply write to the BANK informing them of your correct and current address ALWAYS!!. if you want to arrange payment or not TO THE BANK ONLY thats upto you. never ever ignore a Statutory Demand a Letter Of Claim a Court Claimform. if if if any of those ever happen. till then ignore and rewash. dx    
    • Date of issue –   13 may 2024 AOS date 31st may defence filing date 14th june plenty of lowell card claimform threads here use our enhanced google searchbox Lowell card claimform id be reading at least 5-10 threads a day. do NOT MISS your defence filing whatever happens.  
    • Hello All,  I’m hoping someone can help me urgently here. Firstly, I’d like to say I have read multiple other threads and have some what an idea of what I should be doing, however my case might be slightly different so coming with my own questions here.    my situation is I lived in Dubai and had a credit card and a loan, loan with HSBC and credit card with Emirates (or the other way round), I lost my job and was forced to leave the country as I was staying in the country on my companies visa.    since coming back, after a few years 2 different debt collections agencies have been approaching me (one being IDRW and the other J&P). I’ve never answered IDRWW and they constantly chase me by calling and messaging me and my employer. My current company is ok with this as I explained the situation but I’m soon to be joining a new company who definitely won’t be ok with being messaged and called. I’m afraid to continue to ignore them as they may message and calm the new employer as they have before and I’ll lose my job. However, it seems clear from these forums that dealing with the debt collection agencies is never a good idea. You shouldn’t agree to the amount or pay anything.    j&p caught me on my phone but I still haven't sent them any money or confirmed the amount they’re saying is owed, they keep pushing to pay off the “principal” amount by making monthly payments, from reading these forums it seems like if I make one of those payments (they have provided bank details for ENBD), then it’ll just be paying off interest and not actually clearing the principle debt and the bank won’t even approve receipt of payment or that it’s coming off principle.    this is my predicament as ignoring them might not be an option if they chase my new employer. Maybe there’s a way to ensure the debt collection agency don’t contact my new employer?? I don’t know? Massively appreciate peoples help here. Thanks, 
    • The clock is ticking for savings providers. They now have just a few weeks left to get their act together and start offering loyal customers a good deal.View the full article
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    • If you are buying a used car – you need to read this survival guide.
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Council Tax not Lawful?


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gynet wrote:

 

our bith certificates are traded on the stock market as GOV assets which goes in to our own fund ( red number on back of cert is account number)

 

 

This always makes me chuckle. The elusive birth certificate bond.

This idea was concocted by Roger Elvick in America thirty or so years ago and these wacky FOTL lap it up believing their gurus without question.

But FOTL never consider why would anybody invest millions in a birth certificate? What is in it for the investor? The amount of money most people give to the government in taxes during their lifetime would be less than the mythical amount invested in their bonds. A negative return for the investor. But the FOTL believe if they can find the "magic spell" they can access their bonds and the millions within. What is amusing is that people like Winston Shrout charge hundreds of dollars for a seminar where he will divulge the secrets of how to access your own bond, but he has never done it himself. Incidentally Shrout does not accept A4V as payment for his seminars. He only accepts money.

FOTL appears to attract gullible people who are in a vulnerable position and are looking for a way to relieve their problems. They watch a few videos on youtube or attend a John Harris talk and are brainwashed into believing their knowledge of law is superior to the law professionals. They recite definitions from Black's law dictionary as an authority. But what they fail to recognise is that (such as in in the case of "statute") the definition they quote does not even appear in Black's, they fail to recognise that Black's is an American legal dictionary, but more importantly they don't understand that a legal dictionary is just a dictionary. It is not a legal authority that is binding.

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Ahh...someone who really seems to have a handle on the Freeman thing - how come you're so clued up, gwc1000?

Hi.

For the last eighteen months I have taken an active interest in the FOTL and have got amongst them so to speak. I started out with a disbelief of their theories but approached them with an open mind.

I found that in the main they are complete wack jobs. They become brainwashed in a similar manner to a religious cult and believe they have found "the real truth". Disbelievers are treated with derision and insults. Often FOTL attempt to intimidate and bully those that question their beliefs and a common ploy is to attempt to instill a sense of inferiority into their opposers minds by claiming that they are not awake or are slaves. "Sheeple" is one of their favourites.

But when you study it closely as I have done it soon becomes apparent that their beliefs regarding law are incorrect. They claim statute law is not law and believe they may withdraw consent to statutes. But there has been as far as I can tell no court case where the court's decision was that a freeman is not bound by statute law. Anecdotes are provided claiming success but no names, no court dates, no judgments are ever supplied. They fail time after time in court but herald failure as a victory because in their minds it lends proof to their belief that all courts are corrupt.

I note that the poster within this thread who supports FOTL displays typical behaviour. They can never answer direct questions or supply proof so they divert from the topic and quote pseudo-legal nonsense as if it is fact in an attempt to give the appearance of superior knowledge.

They send out umpteen notices to government departments with a time limit (such as seven days) for the department to respond, and in the absence of any responce within that time claim that their assertions have been accepted by the other side. Complete twaddle.

Then of course they will without fail produce their "fee schedule" such as we have seen in this thread. They refuse to accept that the fee schedule is not enforceable and believe that governments will leave them alone because TPTB fear the fee schedule will be implemented. They really are that mad.

Incidentally the poster Bookie mentioned did lose his vehicle and was prosecuted. Foolishly he took Leicestershire police to court to claim his fee schedule of approx £27000, and the case was struck out. Costs of about £4000 were awarded against him. In the end he went to jail. So he lost his car, received a fine, had a huge bill for costs, and saw the inside of a prison cell. A success in the eyes of FOTL because it proves how corrupt the "damn ebil gubbermint" really is.

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