Payday Loans

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Two Options for Dealing with Payday Loans

Info - Please read carefully. Make sure you've read Getting Started
and also read Hints and Tips in the right margin.
  • 1
  • Option one- Standard Template Letters The three letter process for Payday Loans

Payday Loans

There are three letters, which need posting at least 10 days apart.

Together they will create a tacit contract, which is a lawfully binding agreement. Address the letters to the CEO- Chief Executive Officer, (you will find their name easily enough on the Forum/Bank CEO). 'CC' a 'Carbon Copy' of the letter to the contact in the collections department who has written to you.

The documents open as a Microsoft Word Document, however if you do not have a Word installed, get a copy of LibreOffice FREE Office Suite, Open Source software for Windows, Mac and Linux. For iPhones and iPads, install the FREE app Documents Free- Mobile Office Suite, from the App Store.

Letter 1

Download Letter 1

Letter 2

Follow up Letter 1 ten days later with Letter 2 which starts the formation of the tacit agreement.

Download Letter 2

Letter 3

Finally follow up ten days after sending Letter 2 with Letter 3, the third and final letter to the debt collector, which forms the tacit agreement.

Download Letter 3

If you don't anything more from them for 30 days after sending the third letter, send them the Estoppel document. If you do hear anything from them, send them a Bill and start charging them! These documents can be found at the bottom of this page.

Info - Please read carefully. Make sure you've read Getting Started
and also read Hints and Tips in the right margin.
  • 2
  • Option two- Common Law Copyright Procedure for Payday loans over, 'rolled over' to £5000 ($7500)
Common Law Copyright Procedure

For debts £5000 to £10,000 or $7500 to $15,000

This procedure allows you to take control of your name under Common Law and International Treaty

The Notice makes it clear that you have a common law copyright and trademark on your name and that use of it without consent is copyright infringement.

Common Law Copyright Notice

First, print out and sign the Copyright Notice below and get it signed by three witnesses.
We suggest you send a photocopy of your Copyright Notice with Copyright Letter 1 and Letter 3, below.

Download Copyright Notice

Common Law Copyright Stamp

Info - You will then need to print out the ink stamp, on top of the postage stamp as per image, to seal the Copyright Notice. (The stamp in the image above is a UK stamp, but if you're not in the UK, just use a stamp from your country). To get the Copyright stamp with your name in, firstly ensure your details are entered into Your Account page in the main menu. You will need to upgrade your account to have this facility.

Click on the Copyright Stamp button below, let it download and then open the document in Word or Open Office. The image appears in the Copyright Notice at the bottom on the right margin.

You may need to scroll down to see it. Print it on a blank page, just to see where your margins are and from this you can work out where to put the postage stamp on your copyright docs.

Copyright and Trademark Stamp

Rather than wasting postage stamps, it may be an idea to draw a postage stamp sized rectangle on the bottom right of an unsigned Copyright Notice first, to ensure that when it goes through the printer, the copyright circle stamp and the trademark name stamp, both print over the postage stamp as per diagram.

Download Copyright Stamp

Common Law Copyright Declaration

Next you must publish the Copyright Declaration. You can publish it in your local paper/s, however, these days it is acceptable to post it on the Internet. You can post it on your Facebook or Google+, etc. or you can also post it the Getoutofdebtfree forum under the heading 'Copyright/Trademark Procedure and Estoppel/Declarations'

Tip - Rather than divulge your name with your username, thereby losing your anonymity, we suggest you copy and paste the document into the Copyright Declaration Posting tool. Follow the directions below. It should download and open in Word or similar text editor, then check your name appears correctly. Please realise that your name will be visible on the internet, if someone Googles it.
Info - Please Note- the Copyright and Trademark symbols appear as © and ™ at this stage in the word document, but will be replaced automatically by the correct symbols, when posted in the forum.

Now login and go to 'Account' on the top menu. Click on the Copyright Declaration Tool. Copy and paste your declaration into the text box and click 'Post Declaration'. It will appear in the forum here, in Declarations

Download Copyright Declaration

Common Law Copyright Letters

There are three letters to be used when you have copyrighted your name, which need posting at least 10 days apart. Together they will create a tacit agreement, which is a lawfully binding agreement. Sign the letter with your first names hyphenated and a colon before your last name, as in the example- John Peter of the family: Doe, (this signifies you are from the clan/family of your last name and differentiates you from your UPPER CASE 'legal fiction'.

Info - Should they continue to pester you, you can bill them for £/$1,000,000.00 for each time they have used your name, plus all the other charges. Send a copy of the signed and sealed Copyright Notice with letter 1 and letter 3.

The documents open as a Microsoft Word Document, however if you do not have a Word installed, get a copy of LibreOffice FREE Office Suite, Open Source software for Windows, Mac and Linux. For iPhones and iPads, install the FREE app Documents Free- Mobile Office Suite, from the App Store.

Copyright Letter 1

Download Copyright Letter 1

Copyright Letter 2

Follow up Letter 1 ten days later with Letter 2 which starts the formation of the tacit agreement.

Download Copyright Letter 2

Copyright Letter 3

Finally follow up ten days after sending Letter 2 with Letter 3, the third and final letter to the debt collector, which forms the tacit agreement.

Download Copyright Letter 3

Estoppel Notice

Info - The Estoppel Notice or to give it it's full title, Notice of Irrevocable Estoppel by Acquiescence, is sent around 30 days after the third letter if you have not heard anything from them.
Download Estoppel Notice

Bill

Info - If you do hear anything, from them, send a Bill as per the fee schedule charges in letter 3. If they do not pay the Bill within the time limit stated, send them a warning, then make a claim against them. If you are in the UK, follow this link for more information moneyclaim.gov.uk
Download Bill Document

Enjoy the game and have fun!

Payday Loan support on the Getoutofdebtfree Forum

Tip - Do share your experiences on the forum where any questions or queries may be posted