Re: Is it to late for the 3 letters process

by Mikeyjohn Tue May 04, 2021 11:21 am

My apology Mrblue2015 I've not been reading the letter properly I seem to panic and just a quick scan of the letter you are right I am dealing with overdales

by **Mrblue2015** Tue May 04, 2021 11:31 am

No problem / understood Smile

Remember to also incorporate (within your letter) the points made by Assassin in relation to Maxim 4 of Commercial Law.

Good luck!

by **assassin** Wed May 05, 2021 2:13 am

Judges don't like maxims as they cannot change them and have to abide by them.

by Mikeyjohn Tue May 25, 2021 10:53 am

A reply from overdales solicitors
I got a reply from overdales after sending the conditional acceptance form.
They sent me vanquis bank application form that I filled in with signature when applying for the credit card, also a data of all the transactions of credit card.
On the letter from overdales they making some points saying
1, they are no obligation to provide sworn affidavit
2, the debt does not arise from Bill of Exchange Act
3, there is no legal requirement of debt to be in form of a deed
4, its a private contract between there client and original creditor
They are given me 30 days to respond, or it may lead to County Court
Note on the letter there is no signatures it just says from "overdales solicitors"
I've tried uploading the the letter not sure if it's gone through

by **daveiron** Tue May 25, 2021 11:31 am

They have ignored it all ,typical obfuscation.
You require they address your notice point by point.

by **daveiron** Tue May 25, 2021 2:41 pm

I presume you did some due diligence of your own and not just copied the
NoCA . If not watch the video below .You should then be able to give your
response to them.

https://youtu.be/doxbrRDjVz0

by **assassin** Wed May 26, 2021 2:55 am

Question 1) was this letter signed, if not it has no validity under Commercial Law and is worthless.
Question 2) who is accepting liability for these claim, if unsigned then nobody

Maxim 4 of Commercial law: Truth Is Expressed In The Form Of An Affidavit this must also be true, correct, and COMPLETE, note the two points.

It isn't an affidavit so is not expressing truth, and if it is unsigned it is NOT complete, and they are clearly in breach of CPR 31.

They haven't rebutted your claims so your claims stand as truth and truth becomes judgement.

Maxim 5) An Unrebutted Claim Stands As Truth

Maxim 6) An Unrebutted Affidavit Becomes Judgement In Commerce

by **assassin** Wed May 26, 2021 2:58 am

Now you need to rebut their claims as if you don't they become truth also, and this means they create conflict and this can only really be resolved by a judge so cut them off at the pass.

by mel Sat May 29, 2021 10:34 pm

what are the 3 letters that keep being mentioned

by **Mrblue2015** Sun May 30, 2021 7:11 am

Find out more here:

https://goodf.forumotion.com/t4129-please-read-this-first

by Michael Thu Jun 10, 2021 8:15 pm

Thanks for the link I've just read the book on defusing debt bond can I use it for mortgage

by **daveiron** Thu Jun 10, 2021 10:58 pm

In principal yes, but under no circumstancies attempt anything with
regards to a mortgage until you have done a very great deal of research
and fully comprehend what you are doing.

by flyingfish Fri Jun 11, 2021 8:00 am

Michael wrote:Thanks for the link I've just read the book on defusing debt bond can I use it for mortgage

Can I echo Mr Blue's suggestion. You REALLY REALLY need your own thread if you're even remotely considering challenging a mortgage. Hi jacking someone else's thread risks confusion over both your own and the OP's issues.

by **Mrblue2015** Fri Jun 11, 2021 10:32 am

IMO you do not have a chance in hell in relation to a mortgage. IF you won, you (well, specifically the courts ultimately - because it WOULD end up in court) would be setting a precedent. That's not going to happen for obvious reasons..... Wink

by Michael Fri Jul 02, 2021 11:32 am

Thanks for advice on mortgage, I would like to to get back to overdales solicitors, they are ignoring everything I've sent to them, the last letter they sent to me was vanquis application form with my signature on it with the data when using the card, I wrote back to them saying it is not a contract there is only one signature, I rebutted everything and asked them for the documents which they can provide, they wrote back and sending the application form saying it proves I owe the debt and the documents I asking for are not relevant, also when I am writing to them I must use the correct address that is the p o box address. Where do I go from here shall I just ignore them, they just sending silly letters
I am going to try and upload the letter

by Michael Fri Jul 02, 2021 11:36 am

Is it to late for the 3 letters process - Page 2 Img_2010

The letter from overdales solicitors

by **daveiron** Fri Jul 02, 2021 12:41 pm

Can someone please explain what is going on here. The thread was started
by mikeyjohn and now posts are coming from Michael. Is this the same member
or 2 different ones. If different, Michael needs to start a new thread & delete
his posts from this one.

by Michael Fri Jul 02, 2021 12:55 pm

daveiron wrote:Can someone please explain what is going on here. The thread was started
by mikeyjohn and now posts are coming from Michael. Is this the same member
or 2 different ones. If different, Michael needs to start a new thread & delete
his posts from this one.

This is mikeyjohn

by Michael Fri Jul 02, 2021 3:20 pm

Michael wrote:
daveiron wrote:Can someone please explain what is going on here. The thread was started
by mikeyjohn and now posts are coming from Michael. Is this the same member
or 2 different ones. If different, Michael needs to start a new thread & delete
his posts from this one.
This is mikeyjohn

I do not understand why Michael is coming up I'll try and sort it out

by **Lopsum** Fri Jul 02, 2021 6:54 pm

if you lost password for your other i can reset it for you.

by Mikeyjohn Mon Aug 02, 2021 2:57 pm

Hi I believe if I log in Facebook name Michael will comes up instead of mikeyjohn
I've just logged in using my password I hope it works
Getting back to my issue with overdales solicitors, the last letter overdales sent to me, they said that the copy of the application form they sent me with my signature on proves that I owe the debt and I should correspond with the using the right address which is the po box address.
I did not respond to there last letter, so now they wrote back to saying that I owe the debt and I should call them to arrange payment, they are giving me 30 days to respond or they will take me to court, the letter as not been signed it says from overdales solicitors
I've read the book defusing the debt bomb I am going to start again using template letters and work my way up to creating a affidavit, I can not find ceo for overdales solicitors

by **daveiron** Mon Aug 02, 2021 3:09 pm

I presume this is Overdales with the address of sarvannah way Leeds.

In which case you need James Riley Managing Director (you can always add
the words : being a person of significant control)

Just out of interest are you going to use our NoCA or ODs or a combination
of both ?

by **daveiron** Mon Aug 02, 2021 3:21 pm

Forgot to add ,If Lowell are the claimant you need to send it to them
JOHN SIMON PEARS Company director: being a person of significant control

by **Mrblue2015** Mon Aug 02, 2021 4:02 pm

Don't you mean JOHN SIMON PEARS being a significant scumbag?

by Mikeyjohn Mon Aug 02, 2021 6:56 pm

I will be using the template from defusing the debt bomb
I've looked at ceo mail. Com
I found 4 director for lowell portfolio
John Simon Pears 19 June 2018
Colin George storrar 6 November 2019
Caroline Marsh 2nd October 2020
Heather mcgregor 2nd October 2020
You advised me John peare Smith ir should I use the latest director

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