Are you living in fear of Banks and Debt Collectors letters and phone calls? Do you worry about Bailiffs visiting your home? 
The 3 letter remedies do work with banks, credit cards,bailiffs and solicitors, but you must understand your enemy.
They will lie and or try to ignore you.
A great quote from the now legendary Mr Meague "Daniel son, best defence, NO BE THERE"
The basis for the letters on this site is "conditional acceptance",This means you are not saying no,you are saying i'll accept it if you prove it. Which,in the questions you have,they cannot do.
A good defence in Law is your right to remain silent. This means by phone or post,However if a letter is delivered,it is Lawfully assumed that it has been read and a CONVERSATION HAS BEGUN,so,
Firstly the bank will bother you with phone calls
Then come the letters, to which you begin the 3 letter process,
( when you fill out the letters you will see your name as John-Joe of the family Do or John-Joe:Do, showing you to be a real/natural person)
When the banks letters come,they are addressed to Mr(status)JOHN JOE DO, an incorporeal name in title only (Imaginary)
Research the word (INCORPOREAL) in an online dictionary,its easy to find.
So,they have to send 3 Notices too before they send the (BIGY) DEFAULT NOTICE
which gives them the right to make a court claim against you.(this you do not want)
And also gives them the right to set debt collection agencies and solicitors on you
And you are trying with your 3 letters to get them in "TACIT AGREEMENT" to counter act, before the DEFAULT NOTICE.
So if your nosey and want to read what they send you,STEAM OPEN THERE LETTERS and read them before putting the letter back in the envelope and re-sealing it with glue and sending it back "RETURN TO SENDER, NAME NOT RECOGNISED, INCORPOREAL BEING" EDIT
IT IS BETTER TO PUT"RETURN TO SENDER, NOT KNOWN AT THIS ADDRESS" AS THIS DOES NOT IMPLY A WIDER GAME
Returned letters are assumed in Law not to have been served
Now the conversation is somewhat one sided as they are not addressing you as a human being,but trying to talk to a work of fiction.And because there letters are returned they cannot get you with the nasty DEFAULT NOTICE.
So,no DEFAULT NOTICE, no debt collection agencies,no solicitors, no court.
YeyThey may send someone round to try and SERVE DEFAULT NOTICE,so be prepared, do not answer to MR,MRs or Miss
Just ask them who they are (do not admit to being the incorporeal Name) and say "sorry dont live here anymore"
If they get shirty,tell them there tresspassing and shut the door.( DO NOT ACCEPT ANY BITS OF PAPER)
Even if they trick you into accepting the nasty DEFAULT NOTICE
Do not despair
You can use the debt collectors letters the same way
And if by some miss-app they are ready to take you to court
same rules apply,
If you don't want to go to court, when the claim comes from the court by post, don't open it, look at the return address to make sure and then write on it return to sender, person does not live at this address (thats not a lie)
i've been reading some of the civil court procedure and here's what it says when service is from the court, which it usually is,(4) Where the court has sent—
(a) a notification of outcome of postal service to the claimant in accordance with rule 6.18; or
(b) a notification of non-service by a bailiff in accordance with rule 6.19,the court will not try to serve the claim form again.
So if you send it back or do not grass your self up and accept the claim from bailiff,
the claimant(C card company) has to ask permission of the court to serve you.
As they almost certainly don't know what you look like this makes it extremly hard.
PS. don't give them your email address as this can also be served upon.
non service means no summary or default judgement or court orders
Plus they only have 14 days to serve you after the claims gone in
Remember you dont Know whats in Pandoras letters so use STEAM POWER
And If its financed cars or something else same rules, stop them moving their pieces
Hope that helps, i've been doing 2 years with various banks,debt collectors ,tax man,fuck em
blood and stones and all thatTHIS AN EDIT DUE TO INFO I FOUND USEFUL
by wishy » Wed Oct 17, 2012 9:33 am
I think i'll edit my original post after finding out some new info but here in brief is whats happening,
Quite a lot of banks and debt collectors are using UK MAIL which is not Royal Mail and offers as a service a different return service,ie; returned letters from UK MAIL (which are sometimes un marked and only have an (S) in box on the top right corner)
get returned to UK MAIL and they scan the front of the envelope for "reason for return" and show this to the customer(bank/dca)
and then destroy the letter to keep down costs to the customer.
This means their is no record of anything being returned
So they carry on with their process.
However if you write a notice and stick it to the front of the envelope and put a stamp on it, it is no longer returned mail (because of the stamp) and when they scan it they have been served.
Notice,
To whom it may concern,
As i repeatedly returned all correspondence for an addressee who is no longer resident at this address and for who i have no forwarding address, i would now like to give you the opportunity to CEASE AND DESIST.
I would now like to draw your attention to the Harassment act 1997 in the hope that this may prevent myself from having to seek legal redress for the on going nuisance created by yourselves.
This notice has been duly witnessed and has a certificate of postage.
Your company name has been noted.
No need to put your name or address (anonymity) just write their return address on the front, with the stamp
If you've opened the letter just write "opened by mistake" on the back
Works a treat
