Dealing with Banks and Credit Cards
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Please read carefully, also look at the Hints and Tips in the left margin lower down this page.
Phone Calls
Banks and Credit Card companies tend to phone you every day, sometimes up to 5 times a day, once you default on then, however they do not tend to leave messages. Some use automated calls to ask you to contact customer services and they may also text you and call you at work.
Most important, DO NOT DEAL WITH THEM BY PHONE (AFTER THE FIRST CALL!)
1) The first time they phone up, explain to them that:
'I wish to deal with this matter in writing only, and should I continue to receive calls from you or your company, then this may constitute ‘harassment' in which case I will be forced to take further action under Section 1 of the Protection from Harassment Act 1997. ' Thank you and good bye
2) Second time they phone up:
When they ask for you, just say: 'Who is it?; hold on a minute' (as if you are just about to get that person) and then LEAVE THE PHONE OFF THE HOOK
They normally hold on for around 4-5 minutes, but after a while they get the drift
OR you may wish to try:
'Could you please hold on a minute whilst I log this call, as I believe these calls may now constitute harassment'...
OR my current favorite:
Ask them security questions, like their full name, their job title, direct number and the name of their line manager. Also inform them that the conversation may be recorded for training purposes. Most mobile phones have a sound recording function. When they ask you a security question, simply say that you do not disclose your personal details on the phone for security reasons!
OR
If you're really getting tired of all the calls, use BT Choose to refuse on 0800 800 150 and block the number. If you are not with BT contact your network provider to register with the equivalent service.
Either way it's great fun! And you do not give in to their intimidation! If they feel they are intimidating you, they are far more likely to continue. Don't let them harass you- Harass them!
Decide on your strategy before they phone up. You may wish to print some notes to put by the phone so that you will know exactly what to say when they phone up.
Remember, if what they were doing was completely lawful, why do they harass us with loads of calls? Why do they not follow the legal process every time?
I've dealt with 7 or 8 different companies and despite threats and letters, have never been successfully taken to court, even on moderate sums of around £10,000
It's far easier and cheaper to harass and intimidate those people who do not know the truth, and get them to pay up, than it is to take you to court...
There are three letters, which need posting at least 10 days apart. Together they will create a tacit agreement, which is a lawfully binding contract. Address the letters to the CEO- Chief Executive Officer, (you will find their name easily enough by Googling it). 'CC' a copy of the letter to the contact in the collections department who has written to you. Sign the letter with your first names hyphenated and a colon before your last name,as in the example- John-Arthur: Smith, (this signifies you are from the clan/family of your last name and differentiates you from your UPPER CASE 'legal fiction'). If they should send you an invoice as you request in the letters, in your Title Case (First letter capitalized only) name AND should they sign it, then please contact us here immediately and we will instruct you how to write a Transfer Instrument, to discharge the 'debt'. However you WILL need a signed invoice BEFORE you can do this and of the hundreds of people who have already used these letters, no one has ever received an invoice of any description.
Adobe Acrobat is required to read getoutofdebtfree.org letters as PDFs.
Follow up Letter 1 ten days later with Letter 2 which starts the formation of the tacit contract.
Adobe Acrobat is required to read getoutofdebtfree.org letters as PDFs.
Finally follow up ten days after sending Letter 2 with Letter 3, the third and final letter to the bank or credit card company, which forms the tacit contract.
Adobe Acrobat is required to read getoutofdebtfree.org letters as PDFs.
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