Hi I'm a New Member

[Repper]

Hi everyone and my hat off to you Ceylon for your tireless work on this forum. I'm 42 with two young boys, and just recently separated with hubby as we've grown apart causing us a few issues with non-priority debts (credit cards and a catalogue) I went onto another forum who adivised me to write to my creditors asking for them to lower payments and freeze interest blah blah blah, when I wrote about Mary Croft on their site (as I was directed to her via friend who knew I was into common law/freeman etc) I was told by this site that it was rubbish and out of date. Now I understand how fingers of corrution are everywhere and maybe they didn't want me to wake others up. Anyway having been on TPUC and love John Harris to bits, hey presto I found a video talking about exactly what I needed to know. So can I have a bit of advise after going down the Consumer Credit Agreement Act and writing to creditors asking for lesser payments. Firstly have I shot myself in the foot or is it possible to still carry on using your template letters etc. I have written to one company asking for Validation etc just had an up to date statement received this morning but no other correspondence, yet!
Also the catalogue have admitted they have no consumer credit agreement and have agreed to a quarter of the original monthly repayment with no interest at all, should I accept this agreement or should I follow the template route.
Thank you everyone. I understand it may take some time for a reply due to Xmas but look forward to hearing from you.

[ceylon]

everything is fine you can start using the templates when your ready they work with cataloues as well

[Repper]

Thankyou Ceylon I'm looking forward to playing the game. Have you ever looked into redeeming your legal fiction/strawman? And once I've sorted this out it is possible to get advice on how someone who pays tax through PAYE (taken straight out of their wage before they get what little is left) can stop paying and claim back every penny ever paid? I know for the moment just to take baby steps, but in the future when I'm more versed in everything as it's a too bigger step for me at the moment but I'd be very interested to know.

everything is fine you can start using the templates when your ready they work with cataloues as well

[ceylon]

its possible but like you say learn to walk first

[Repper]

Ok I've done the first letter, only received statements etc, so ready to do the second letter, although I did have a response from one company saying the CEO had passed my letter onto another person to deal with. My question is do I still send the second letters to all my original people ie, second letter to the CEO not the person who it was passed onto? Thanks

[ceylon]

ALWAYS STICK WITH WHO YOU START WITH

[Repper]

Thank you I thought as much just wanted to be 100% sure.
Also if/when I get to the estopple stage what should I expect from then on, we I still get pestered?

ALWAYS STICK WITH WHO YOU START WITH

[ceylon]

some do some dont

[Repper]

Hi, I've just received this morning a letter back from Cap 1 saying they are not required to provide their response in affidavit format (Laugh haha!!) But then the letter went on to say that my agreement with Cap 1 is governed by English Law, and that my request for validation of my debt is based on a consumer's rights under United States Law and not English Law, and as a result they are saying it's not relevant to my agreement. Now I'm sure I've already read this somewhere on here, but am I right in saying that they are replying with a load of rubbish trying it on, and to just carry on with letter 3 which is due next week?
All I received was a piece of paper with just an account number and a heading Original Agreemant, then a Consumer Credit Act, copies of statements over the last six years, and lastly just their terms, nothing of what was requested. Thanks

[barbarachannon]

Hello to everybody,

I'm also a newbie here, I'm looking for good posts, useful answers and new friends)))