CREDIT AGREEMENTS When you sign a credit agreement your the only one that signs it, ever noticed that then they take a photocopy and give you the photocopy or the carbon copy, it’s never the other way around where you keep the copy with your wet ink signature on it, ever wondered why ? Well they need your copy with the wet ink signature to apply for the money they claim their loaning you, the carbon copy you get is worthless, in effect they sell that credit agreement you signed, it’s what called securitising the debt by selling it on, Now the minute they do that the loan / debt is paid for, they just end up getting paid twice by getting you to repay and add interest, their basically charging you for the credit you created with your signature, tut tut ! Now what i do is demand proof their is a valid deb owed in the firm of that wet ink signature contract you signed we demand to see the original not the carbon copy because that’s worthless, now trust me when I say they kick up a stink about this and try everything to avoid supplying the […] → Full article Credit agreements
This is where it all begins, this is most important, YOU MUST NOT CORRESPOND WITH THE DEBT ORIGINATOR IN ANY WAY WHATSOEVER, FORGET THE ORIGINATOR OF THE DEBT, THEY DON’T MATTER….. YOU MUST NOT CORRESPOND IN ANY WAY WITH THE DEBT COLLECTION AGENCY/ENFORCEMENT AGENCY AND THEIR AGENTS EXCEPT FOR THE 3 LETTER PROCESS AND ESTOPPEL NOTICE or you will pay the price, what they are trying to make you do is slip up with their intimidating tactics, saying they can do this and they can do that, yeahh right, absolute rubbish, by getting you to correspond with them they are trying to gain joinder, in the eyes of the law joinder is seen as “acceptance” of the alleged debt, there’s basically only one thing they can do to you and that’s take you to court with a recommendation for CCJ’s, all that means is you’ll get a bad credit history and you probably won’t be able to get credit. another very important thing to remember, especially at this point where you’ve just received your first letter from the original company or authority notifying you of your arrears, just completely ignore them, pretend they don’t exist, WAIT until they appoint a […] → Full article Debt where it all begins
The notices provided must be sent in the order of 1,2,3 you will find that you won’t get an answer from the first one as the information you are asking for on these NOTICES can not be provided. But its what’s required for the money transaction to take place under contract. Keep to the date schedule and serve the next NOTICE on the date the reply is due. POST all 3 NOTICES by registered mail with tracking so you know they have been received and ask for a signed return slip for your records. Paperwork is a must, keep on top of it and make sure there are copy’s of all the paperwork to and from because this is legal paperwork and it will be your evidence if they take court proceedings. Signing, in the bottom right hand corner on a 45 degree angle do a thumb print in red then sign and date through it on all pages front and back, to remember this think of a knight drawing his sword which is what this represents. And the reason for signing both sides is so the judge can’t turn the page over and say there is nothing here which […] → Full article Notice of conditional acceptance – Notice of non-response – Notice of estoppel .