*** PLEASE READ THIS FIRST ***

PLEASE NOTE: This section refers to the 'old' GOOD approach and template letters, which you are still welcome to follow. However, we would now recommend that you follow the 'NEW' approach which can be found in the following section:

https://goodf.forumotion.com/t5263-the-new-goodf-approach



(The 'old' GOODF approach and template letters)
Welcome.

We are happy to help you, but you MUST read the following guidance before someone will help you.

FIRST: Please be aware that those on this site who offer their help (and in their own time) do so of their own free will and through their desire to help people with their problems. Their advice is provided freely by them. We do not provide legal advice.

Please provide ALL of the information you possess in order to help us to help you. Sadly time and again, posters only provide partial information and, in many cases, for those trying to help it is akin to 'puling teeth' just trying to obtain all of the information that is needed.


By not providing all of the information you have, you may not receive correct help!


PLEASE NOTE - PERSONAL INFORMATION: Never provide your personal information. i.e. your name, address, bank details or even reference numbers that you receive in your letters. All of this type of data can uniquely identify you and therefore risk your anonymity. Trolls (debt collection companies, solicitors etc) are known to roam these forums and hence why your anonymity is important...

If you are to have any chance of someone from here helping you, you must ensure you FULLY understand the Get Out Of Debt Free (GOODF) Approach including understanding why we ask what we (and perfectly legitimately and lawfully) ask for via the template letters, the various terms and acronyms etc.

The GOODF Approach will not work if you simply copy and paste the template letters. You need to tweak the letters to 'personalise' them (personalisation is key!) otherwise debt companies see through you as someone who has simply downloaded the templates and someone who does not fully comprehend what they are doing, which will in turn result in you receiving more letters than you should...

Also, and to set your expectation fairly, you need to know that you could be executing the GOODF Approach for the long haul i.e. it may take a lot longer than a few months and potentially many years if a Debt Purchaser decides to sell on the account (alleged debt) they purchased to another Debt Purchaser, and so on. It is not for the feint hearted BUT the process absolutely does work. You must also be very organised* and keep all letters (sent and received and in chronological order) including proof of posting. And also regarding posting, never send to a PO BOX address.

*Check out this excellent link for further advice: https://goodf.forumotion.com/t5236-starting-the-process

As long as you NEVER acknowledge that an alleged debt exists (all debts are in fact alleged debts until they are lawfully evidenced as no longer being alleged) and so long as you NEVER pay so much as a penny towards any alleged debt, then the longest it will take for the alleged debt to become no longer legally enforceable is six years (for England and Wales) or five years (for Scotland) from the default notice expiry date to ‘Statute Barred’.

Note: The banks and debt purchasing companies can be very sneaky. As an example, a relatively new tactic is for people to receive a letter out of the blue from their bank offering a cheque to "compensate you for the mishandling of your loan / credit card" or words to that effect. If you were to cash this cheque you would in fact be admitting that the account (and therefore the alleged debt) exists. And if you therefore look at the bigger picture, it means even AFTER a bank has sold on an alleged debt, they are still 'in bed' with the Debt Purchasers... And this would also reset your ‘Statute Barred’ clock.

Now, and in order to continue to increase your chances of success, you MUST also read the additional links as follows:

Debt related FAQs:
It is important to understand the acronyms we use, the debt purchaser 'powers' and so on.
https://goodf.forumotion.com/faq

New Alternative Letters for Original Creditors (i.e. banks and credit card providers):
Make sure you understand WHY we ask the questions we ask in our templates. Send each letter 10 days apart and keep proof of posting. Ignore whatever they come back with as they will never have all of the financial instruments we demand.
https://goodf.forumotion.com/t1153-new-alternative-letters-for-original-lenders-bank-credit-cards

Notice of Estoppel - for Original Creditors and Debt Purchasers:
Send the Estoppel 30 days after you have sent template letter 3 for Original Creditors or after you have sent template letter 3 for Debt Purchasers. Again, keep proof of posting. Ignore whatever they come back with as they will never have all of the financial instruments we demand.
https://goodf.forumotion.com/t5034-notice-of-estoppel
For more information on the Estoppel, look here: https://www.lawble.co.uk/estoppel/

Notice of Conditional Acceptance (NoCA) for Original Creditors (i.e. banks and credit card providers):
This letter is sent AFTER the Estoppel is sent to an Original Creditor. Wait for 10 days after sending the Estoppel before sending, and keep proof of posting. Ignore whatever they come back with as they will never have all of the financial instruments we demand.
https://goodf.forumotion.com/t4974-notice-of-conditional-acceptance

A good video to watch to further understand the NoCA:
https://goodf.forumotion.com/t5002-for-those-considering-conditional-acceptance

New alternative letters for Debt Purchasers:
Again, make sure you understand WHY we ask the questions we ask in our templates. Send each letter ten days apart and keep proof of posting. Ignore whatever they come back with as they will never have all of the financial instruments we demand.
https://goodf.forumotion.com/t1131-new-3-letters-for-debt-purchasers

Notice of Conditional Acceptance for Debt Purchasers:
This letter is sent AFTER the Estoppel is sent to a Debt Purchaser NOT an Original Creditor OR Debt Collection Agent (DCA). Wait for 10 days after sending the Estoppel before sending, and keep proof of posting. Ignore whatever they come back with as they will never have all of the financial instruments we demand.
https://goodf.forumotion.com/t4987-notice-of-conditional-acceptance-for-debt-purchasers-only

New alternative letters for Debt Collection Agents (DCAs):
Again, make sure you understand WHY we ask the questions we ask in our templates. DCAs are agents (with NO legal standing) who collect on behalf an Original Creditor OR Debt Purchaser. Send each letter ten days apart and keep proof of posting. Ignore whatever they come back with as they will never have all of the financial instruments we demand.
https://goodf.forumotion.com/t1163-new-alternative-letters-for-dca-s-acting-as-agents

Additional AND HIGHLY RECOMMENDED learning materials:
Signatures:
https://goodf.forumotion.com/t5129-signatures

Commercial law - the importance of 'maxims':
https://goodf.forumotion.com/t5178-using-maxims#34776

You and Your Cash:
https://www.youtube.com/channel/UCqtZOPwCbGxlH7fv5We9PuQ

WhiteRabbitTrust:
https://www.youtube.com/channel/UCLabwSzJqW1itsxcFrqu15g

Observation Deck:
https://www.youtube.com/channel/UCaKuosQRAchAOrN0-y4SW1A



All the best,

GOODF.