I have only been on this site for about a year. I had 5 alleged debts totaling £31,000,00, the largest being £21.000.00. I went down the ©%TM route. I was so frustrated that I did all 5 at the same time. Some were for banks others for DCA's. Make sure you do not make the mistake of sending bank letters to DCA's and DCA letters to Banks. There is a difference in what we ask them for.
In Hind site I should have done one at a time, it would have been easier and I would have made less mistakes. But if you follow the method correctly keep a positive attitude (Hard at times) and believe you deserve a better life. Then this system will work for you.
I have had no contact from 4 of them for about 9 months now, the only positive feedback letter I have had was from BarclayCard, they have admitted they cannot enforce collection from me because they do not have the Terms And Conditions relating to my account I had been fleeced by them for nearly 25 years. I sent a very polite response telling them that I knew they could not enforce it as I had never been given a Terms and Conditions from the beginning. I have heard nothing back from them since, mind you I did warn them that the next communication from them would have a price tag of over £2,000.000.00.
As for phone calls they have stopped.I developed my own phone technique, based in large part from what I learned from this site, teat it as a game. When the phone rang, I would start off by saying Hello, when the caller responded and asked If I was Mr David ***** I would say, one moment please, I am about to record this conversation, for evidential purposes. I then Tap the table where the phone is like I am turning on a device and say the following. "You have dialed a secure and restricted number, Who are you? What is the name of your company, Your Direct Land line number, Years of service with this organization. Who gave you authority to dial this number? Do you know the seriousness of calling a restricted secure number? Note I never say who I am, nor who I work for. In my mind even if your telephone number is ex directory or you are registered with the Telephone preference society, you could say your number is restricted, and secured against spam calls by the preference society.. What they think I mean, and who they think they have rung is their problem. Ha ha. They have normally put the phone down by the time I ask them about the seriousness of ringing secured/restricted numbers.
I have had times when I have felt down, I have had pangs of guilt, until I understood how money was really created. Then you go through an anger stage, you think of what you could have used the money for if you didn't have to pay these leeches. Better food, better holidays, holidays for those that couldn't afford them before. You think how much better you could have made it for your kids taking them places, doing things with them, like trips to the coast, or the local swimming pool. You may also go through a frustration period as the anger dies down, You think why didn't I know about this before? Well all this happens for a reason, people are waking up they are now taking on the system in larger and larger numbers, if we had all done it one by one years ago it might not have had the sort of impact it is having now. I am just glad I am out of it. I am only fighting one now, but thats because I want compensation or at least a full refund because I believe they falsely represented them selves and their products in order to coerce me into a training scheme that was fraudulent, that to me is dishonorable, My MP is asking questions to relevent representatives in the house of commons and house of lords as well as the Advertising standards agency, lets see where it goes. This is the only alleged debt left for £609.00 they owe me £2,100.00 for what I have already paid them.
Anyway best of luck, you will find many friends on here, most of us are here for the same reason. Have had the same problems, and are at various points along the path to freedom.
I am the wind that rustles the leaves, I am the heat from the Sun, I am the waves that crash to the shore, I am ME, The Guardian.
As much as I adore Nature, feel part of Nature and at peace with Nature, I still dislike Bull_Sh*t.