New comers please read

[insertusernamehere]

Thanks Ceylon I'll ignore it for now...considering moving house too. I'm just trying to continue reading as much as I can on this wonderful site. I have opened the letter though - Wishy's advice was to steam open, however I got a bit excited yesterday when I saw it and ripped it open. If I send it back taped up, return to sender, addressee not recognised and it states that on the opened envelope ONLY TO BE OPENED BY ADDRESSEE - is that me admitting to it being opened by me the legal fiction MISS NAME NAME and therefore entering into a contract with Wescot?

[ceylon]

no just put opened by accident

[insertusernamehere]

HAHAHA. I was hoping you'd say something along those lines. I'll tape it up, add "OPENED IN ERROR, RETURN TO SENDER, ADDRESSEE NOT RECOGNISED"

[DeanM1]

Thanks Wishy,

Can't wait to send back the crap they send (if and when it arrives).

Just edited, ready to send, Letter 1 today for Bank CEO, and their Collections mob. Do you think I should waste another stamp/registered post on the vampire Solicitors (Scavaging Interlopers) too?

Just made enquiries about trademark (£200/3 months per name - is that right?) Will kick that off as soon as can spare the funds.

Deedpool sounds good - Are you suggesting that this can be used for any other alledged Bank/CC pirates?

I'm not feeling great about my court prospects (they have my signature on an agreement / they have a basic mark (on behalf of Bank)- That isn't the binding contract we're asking for is it?

Your thoughts eagerly awaited,

Dean

VICTORY VICTORY VICTORY - RESTONS & HFC R.I.P,

Received "Notice of Discontinuance" from RESTONS on behalf of HFC BANK after I faxed and sent them an invoice for writing to me (They sent a huge trial pack).

Initial thoughts after pure europhoria - Great - don't need to go to court. However here lies their devious trick - If you Don't go to court - you cannot claim your costs.

I only learnt this the hard way and by chance as I decided to walk into court to deliver the "Notice" to confirm that the matter was now closed on court files too. Lo and Behold they had not received this an the judge wanted to see me and the other party.

I waited in sheer panick as there was literally 5 mins to go... as I didn't know what to do when you WIN.

I received a tap on my shoulder from the other party "Are you MR ALL CAPS". I said no - I'm the administrator for that person, I'm the lay representative. He seemed perplexed and asked if I was the McKenzie Friend. Anyway the chat was short and he was shaking in his boots (unto known to me because he did not expect me to make an appearance!)

We were called in pretty sharpish - I walked in and lost my abilty to speak. When the judge asked asked me to sit I decided to stand. When she asked "Are you MR ALL CAPS" I stated I was not (Free man stuff). She then asked where "MR ALL CAPS" was and I explained that it was a legal fiction.

(MY ADVICE - IF YOU WIN DO NOT WORRY ABOUT SAYING YES THAT IS ME!!!!!!!!!).

The other party then stated that there was no need for me to attend anyway.

The judge promptly replied "Yes - but there is matter regarding costs". And it was only then that it clicked that this was when I say they owe me £XXXXXXXXX damages (What a plonker I thought to myself). But It was too late as without "MR ALL CAPS" presence, the judge could not allow a claim could be made.

I learnt an expensive lesson - the hard way - SEE YOUR SUCCESS THROUGH TO THE END

[wishy]

sounds like you had fun,how can you put a price on that?

[KNOWNASchris]

yes i've got a few in tacit, then a mate told me what happens to returned post.Plus i could'nt afford the recorded delivery anymore .

lol know where your coming from with the recorded delivery

[davies4157]

Hi all, 1st time use of this great forum.

I live on the East Coast. 2 years ago I was bothered by a loan that I could not pay, I tried to offer a small amount a month but they refused payment after about 3 months, and then I started the paperwork route, prove I'm a man, validation of debt etc, and got them to back off.

The last letter I had a year ago was sent back not at this address.

Today I have received out of the blue a DEFAULT NOTICE. The original 'loan' of £1500 is now £9,000.

What suggestions would you give me? I would start the validation of debt route again but also the 'opened by mistake, no person by that name at this address' sounds good as well.

[ceylon]

either its your choice

[davies4157]

Thank you ceylon. If I start the validation of debt route again will it stop or delay the default notice or could they just carry on with a court case? They have given me 14 days to pay.

[ceylon]

the default notice is just that a default notice you have to get it before they can do more stuff usually pass it on to a debt collector