[Mark-owen]

If you can negotiate a 10% pay off that’s all well and good if that’s what you want. It might prevent a dirty entry into the credit score. Another route would be to just let the account go into default. In due course it will be palmed off to a debt collection agency and at that point all you need to do is the 3 step conditional acceptance notices. You make the condition that they provide the original contract with your wet ink signature on the Terms and Conditions. They are extremely unlikely to be able to comply because they securitised the debt and sold it on. Alternatively you can just write and ask “Is this alleged debt enforceable?”. Enforceable is a legal term that means whether there is a legally valid contract or agreement. They will most likely reply that it is not enforceable. After that they might tell you they still have the right to pursue payments but, as that is not enforceable, they are just being a nuisance and pestering you. I believe there are methods for addressing credit score issues which can be taken after the dust has settled. I’ve done this process several times and sure, my credit rating is poor. So I’m at the stage of figuring out how to reverse that. But now I just prefer not to use debt.

• This reply was modified 2 months, 2 weeks ago by  Mark-owen.

[Mark-owen]

Indeed. A big deception sneaked into the church through the likes of Scofield and his Scofield Reference Bible. So much of the church was and is dragged into this deception. Good to see you are not one of them. It’s hard to even talk about due to the antisemitism propaganda. We try to separate the people who call themselves Jews from the Zionists in the same way we separate the native British people from the bunch of treasonable imposers in UK politics. Populations can no longer reasonably be answerable for the actions of ‘their’ governments as the governments are no longer answerable to the people and are a law to themselves. So we don’t blame the Jewish people. The problem is with those like Netanjahu who are bent on evil, deception, and genocide, and it seems cannot be toppled from position, proving that democracy is just as much a joke in Israel as it is in Britain.

[Mark-owen]

Hi, I’m looking at setting up a trust by Mark P in the UK – did you get a solution to the settlor not being in person to open the account the UK?

[Mark-owen]

I have wondered about this myself. It might be something to do with which account ledgers the entries for the loan are made to, which would indicate the true nature of the “contract” which is typically a bill of exchange/PN that was created by your signature and then sold into the securities market. So the “lender” has converted this bill/PN into cash and therefore has been paid already. From what I have read these securitised transactions are “off-balance sheet” entries. I have asked banks for Proof of full accounting not knowing whether I have the right to see it, or really understanding what I would be looking for, but my rationale is that there is definitely something fishy about the way all this is recorded and by asking for it I am at least indicating that I KNOW they have sold my PN which was created by my signature. For me it was just another way of saying “I’ve got your number”. But yeah, I’d like to understand this point better myself. All the best for standing up for yourself.

[Mark-owen]

You’re right, there are hard decisions and TBH a lot of the time I take the path of least resistance because time and money are both limited resources. I like your take on faith seeing us through. An important part of the day is to take my eyes off the toxic world and cultivate my connection with God.

[Mark-owen]

Many thanks for that morag-janet.

[Mark-owen]

We live in a semi-detached house with a common wall between us – so we can clearly hear the dog through the wall. Having spoken to neighbours on the other side, and even opposite across the road, they too can hear the dog – so a joint private action is a possibility. When we spoke to the neighbour we said we could hear the dog through the day and into the night and asked if the dog was OK. The response was hostile and she basically said get used to it. She also seemed to lie about the fact that she was at the house more often than she was. If she was there then I doubt the dog would be howling and whining as often. This is a troubled individual who has lost her kids due to her drug habit – we were told that much by her uncle who is known to us (but has no intention to interceded).

I thought we could do an affidavit with the first Notice and presuming no response or rebuttal to the three Notices we would eventually go to the clerk of the magistrate and ask for a summary judgement. Regarding the process of summary judgement I have no idea if this is realistic, just I’ve heard this is a possibility.

I also thought that we could add a Schedule of Fees with, eg, £100/day for every incurrence of a day subjected to distressing noise.

We are also pursuing other avenues. We are talking to the local council, and the RSPCA (UK) but the RSPCA require 24-hour monitoring and reporting – difficult if you need to go out of the house for any length of time – and the council can be hit-and-miss depending on what time they visit.

I don’t like or enjoy the prospect of suing anyone but I feel that getting experience in private law is a good thing and in some ways more true to who we really are.

[Mark-owen]

Thanks morag-janet,

I’m willing to spend time and effort on it. This is a new neighbour and we feel this could only be the start of a problematic relationship with her.

I’ve done 3-notice procedures before but they were all conditional acceptences – so any tips on what to call this type of Notice?

Thanks, Mark

[Mark-owen]

Hi Kari,

Thanks so much for the replies. I’ve been having problems posting replies here. I’ll watch the video and think through your suggestions. What stage are you up to with your dealings with the ‘lender’?

I have finished a 3-stage Notice of Conditional Acceptance, including default and final Notice. The bank shows no signs of backing off. I’m not sure to add additional Notices with further points and questions. Here is what I included in mine:

———-

To affirm the intent of any written communication is bona fide, sincere and not misleading, we direct you to deliver to us within an equitable time of 14 days of the date of this Final Notice which is 17 April 2023, your evidence sustaining your claims as follows,

1) You provide us with the contract document showing full disclosure that a lawful contract was made including terms and conditions and including my signature on it.

2) Is it not the case that for an agreement to be legally binding there must be consideration, and intent to contract? Are you making a claim that consideration was brought to this “repayment programme” by both parties? If so send proof of your claim.

I don’t recall seeing a document for this “repayment programme” agreement but if you claim there was one return it to me so I can see if there was full disclosure of intent to contract.

3) If the “repayment programme” agreement was in relation to and arising from the account number quoted as your reference then send me the original contract document, including full terms and conditions, with my signature on it.

4) Provide answers to the following questions:

a) Was either the alleged repayment programme agreement or original credit card contract ever sold, securitised, or monitized resulting in the title for the alleged debt belonging to or transferring to a 3rd party?

b) Is it not the case that the initial signature by the ‘borrower’ on a credit card makes the ‘borrower’ both the originator and creditor of a bill of exchange for example a promissory note at time of signature and this is what happened to either or both of these alleged agreements?

c) In previous correspondence from Lynda Darby in your organisation dated 15 February 2023 she advised me that “the card agreement has been misfiled”. Please confirm that this misfiling was not an entry of these bills onto an off-balance sheet ledger.

———–

The stuff regarding the repayment programme was regarding a form they asked me to fill in for “Income and Expenditure” for the purpose of deciding what amount I could repay. They seem to be attempting to use this as an agreement AKA a commercial contract (re contracting with me). I tried to attach the letter here that prompted my 3 Notice process but it failed to upload. But the relevant content of it was… “We agreed a repayment programme to assist you in repaying the outstanding debt. We are concerned to note that the agreed monthly amount has not been received. Unless payments are immediately brought up to date and maintained at the agreed level, then we will have no alternative but to consider further action on this account.”

FYI I didn’t include an Affidavit of status. I’m not sure what this is. Perhaps it’s explained in the video you have linked. If not would you mind telling me more about this?

Thanks again,

Mark

[Mark-owen]

Thank you.

[Mark-owen]

Wow, thank you. There’s a lot of info in there. The Securities PDF makes it clear that it is necessary to register your BOE on a UCC3. Do you know of anyone in the private succeeding at doing this?

[Mark-owen]

Hi, thank you for this useful information.

The lender admits they have ‘lost’ the contract document. Someone said to me that the lender has a fiduciary duty not to lose the document and is liable for the face value of the contract if they do. Have you hear this before?

Thanks,
Mark