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Moon phases


Reclaiming cash value for loans ive paid off in the past

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Reclaiming cash value for loans ive paid off in the past

Post by necrofurion on Sat Oct 06, 2018 3:30 pm

Hi all, so ive been reading and learning a hell of a lot recently and i was pondering over a few loans ive had over the last few years which i paid off and a 12k loan most recently to consolidate some credit card balances.  Has anyone tried sending letters to the bank/card companies to try and claw the cash value of the credit agreement you signed back at all using the whole "the bank didn't loan me their cash, where did that "money" come from" lines and all the usual stuff in the letters process to stop loan payments.

Also if you were gonna do this would you tip toe around the subject and play dumb or would a more go for the jugular approach "you've committed fraud, i created the money with my own signature, you misrepresented your information, there's been no transparency" and all the other arguments at them?

I often find myself at work (eurgh) thinking about drafting up a few letters and sending them to the banks where ive cleared stuff off and demand payment back as they would have effectively been paid twice..

Thanks for any responses

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Re: Reclaiming cash value for loans ive paid off in the past

Post by daveiron on Sat Oct 06, 2018 4:02 pm

This is something I am working on at the moment, not for reclaiming but as a defense for court.

Try researching Presumptions at law, & see if you draw the same conclusions as I am.
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Re: Reclaiming cash value for loans ive paid off in the past

Post by Phillpots on Sat Oct 06, 2018 8:13 pm

This has narked me ever since I learnt about the whole banking scam.

This is something I am also working on but I 'want' the jugular of my council first then .gov. Fraudulant b**st**ds have really rattled me.

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Re: Reclaiming cash value for loans ive paid off in the past

Post by onak on Sun Oct 07, 2018 2:17 am

Same here, I can't look at banks in the same way. I'm also in the process of going for it with 1 creditor that put me in a right overdraft pickle with RBS. The creditor claims no knowledge of me as I paid it off. Interesting angle. Especially since its within the last 5 years.

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Re: Reclaiming cash value for loans ive paid off in the past

Post by handle on Sun Oct 07, 2018 8:53 pm

i am trying with a mortgage on a part 8 in the high court. Ie getting the financial instruments they created in my name. They reckon they reached £26k in costs for something they have not even answered. The simple question is "have you created any financial instruments in mt name, and if so...what".

This has been going 2 years and they simply ignore you. The judges (actually it was a deputy master) simply stays the case. The judge who is supposed to sit never seems to be around and a deputy master sits.

Ignoring is their tactic. They only respond after evidence is produced, so it is a chicken and egg situ. My next thing is to ensure disclosure.

Remember the lady who died in the USA but continued to sign affidavits for the banks up to 15 years after she died???/

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Re: Reclaiming cash value for loans ive paid off in the past

Post by Ausk on Mon Oct 08, 2018 9:30 am

Besta luck with it but you are going up against some of the most powerful people and organizations in the world and they have plenty of money.

Even high court judges have loans and many of them have skeletons in the cupboard also.

In all mortgage documents there is an escalation clause. This means the banks can write to the mortgagee and give them 30 days to pay the loan out in full and bankrupt them if they don't pay. Many threats come in the form of a throwaway comment in relation to unrelated matter - that is until one thinks about it some time later.

Judges are human.

Not trying to put you off but just trying to show the scale of what your up against.


Lack of disclosure somewhere along the chain may be more fertile ground.

Lack of disclosure is fraud, fraud vitiates all contracts and there is no limitation on fraud in terms of taking action against them.

Being convicted of fraud in business is often fatal hence the tendency to want to quietly settle.



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Re: Reclaiming cash value for loans ive paid off in the past

Post by Phillpots on Mon Oct 08, 2018 11:49 pm

No hope Ausk is there? Perhaps we should all just give up - NO! F**kem. I said I wanted to go for the jugular AND THAT IS WHAT I AM GOING FOR - PERIOD. This is my vow.

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Re: Reclaiming cash value for loans ive paid off in the past

Post by onak on Tue Oct 09, 2018 1:56 am

Payday loans are up against it at the moment which is what i was referring to, but for mortgages agree with Ausk it's one tough slog by the looks.. I have a litigant-in-person friend going head to head with a big bank over their loan to her during the recession and banking crisis in London and she has slightly succeeded going the fraud route (still in progress).

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Some help here maybe?

Post by urchinatheart on Wed Oct 17, 2018 1:03 pm

There maybe some useful info here.

Its in our hands.

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Re: Reclaiming cash value for loans ive paid off in the past

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