The NEW GOODF Approach *** PLEASE READ THIS FIRST ***

Welcome to our NEW Get Out Of Debt Free ('GOODF') Approach.

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

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 the right help for your circumstances

SETTING A FAIR EXPECTATION FOR YOU:
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 ALWAYS DEAL WITH THE MATTER IN WRITING. Never via calls, emails or SMS / chat services. And 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 in this area: https://goodf.forumotion.com/t5236-starting-the-process

NEVER (EVER) ACKNOWLEDGE THAT A DEBT EXISTS:
If / when you hear from the Original Creditor ('OC'), a Debt Purchaser ('DP'), a Debt Collection Agent ('DCA') or Solicitor: so long as you never acknowledge that a 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’.

WARNING:
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, this would means that even AFTER a bank has sold on an alleged debt, they are still 'in cahoots' with the Debt Purchasers... And this would also reset your ‘Statute Barred’ clock...

PERSONAL INFORMATION and related:
Never provide personal information in your posts (including letters you upload) to this site i.e. your name, address, bank details or even reference numbers that you receive in your letters (also check out for barcodes / references sometimes written vertically on the edges of letters…). And if you upload letters, mask the dates too.

Do not even state the EXACT amount of the alleged debt. Round up to the nearest £100.

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 NEW 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. Check out the Templates and additional links section below for more details.

The NEW GOODF Approach will not work if you simply copy and paste the template NOTICES or letters:.
You need to fully understand what the NOTICES or letters mean (check out the various, accompanying links to the templates below) and you also need to tweak the NOTICES or letters to 'personalise' them (personalisation is key!) otherwise debt purchasing companies and debt collection agencies will see through you as someone who has simply copied and pasted the templates i.e. someone who does not fully comprehend what they are doing, which will in turn result in you receiving more letters than you should...

FINALLY: Keep ALL documents you send and receive:
Ideally you would have kept past CCAs, Default Notices, Bank Statements etc. But some of these - if not all - should be obtainable via a Subject Access Request (SAR) to the Original Creditor (typically, this is a bank). Obtain these documents ASAP and ideally before you start the GOODF journey.

Template NOTICES, template letters and additional links:

Subject Access Request (SAR) for OCs ONLY: template letter
Do NOT use the following for DPs, DCAs or Solicitors:

This will be your first response to an OC. We do not have a 'template' as such. Instead, simply send the following few simple lines (shown below in italics) to the legal department of the OC. The recipient is legally required to comply with you request, and in full, within one calendar month.

This is a Subject Access Request (SAR) as per the Data Protection Act 2018 and The Freedom of Information Act 2000. Please supply any and all of the information that  holds on me:
Name:​​
Signature:
DOB:​​
Address

That's it! If you do not receive a FULL SAR from the OC, and within one calendar month, then tell them as such and also complain to the Information Commissioner's Office who will, in turn, write to the OC to ensure they do…!

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NOTICE of Conditional Acceptance (NoCA) for OCs ONLY: template NOTICE
Do NOT use this notice for DPs, DCAs or Solicitors.
Once you have received the SAR documents from an OC, keep those documents safe and then you are ready to move onto the next 'stage' i.e. to issue a NOTICE of Conditional Acceptance (NoCA) three times to the OC. Please make sure you understand WHY we ask the questions we ask in our NoCA. We strongly recommend that you check out the following video before using the template notice:
https://goodf.forumotion.com/t5002-for-those-considering-conditional-acceptance

Send each notice (you will send three in total) 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.
NOTICE Template link: https://goodf.forumotion.com/t5501-noca-for-original-creditors

NOTE: If you receive a letter from a Solicitor acting on behalf of an OC, ignore it and instead send the above template notice to the OC not the Solicitor. HOWEVER, if the Solicitor issues you a 'Letter of Claim’, then do NOT send the above template notice! A 'Letter of Claim' falls outside the NEW GOOD approach. In this instance, hopefully one of our members will provide you with alternative guidance.

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NOTICE of Conditional Acceptance (NoCA) for DPs ONLY: template NOTICE
Do NOT use for OCs, DCAs or Solicitors
If a DP writes to you, we issue them with a variation of the NOTICE of Conditional Acceptance (NoCA). Again, the NoCA is issued three times. Please make sure you understand WHY we ask the questions we ask in our NoCA.

Send each notice (three in total) 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.
NOTICE Template link: https://goodf.forumotion.com/t4987-notice-of-conditional-acceptance-for-debt-purchasers-only

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AFFIDAVIT for OCs and DPs ONLY: template letter
Do NOT use for DCAs or Solicitors.
Send the affidavit AFTER you have sent 3x NoCAs to either an OC or DP (the same affidavit is applicable to both) and keep proof of posting. You will only send the affidavit ONCE. Ignore whatever they come back with as they will never have all of the financial instruments we demand.
Template link: https://goodf.forumotion.com/t5241-introduction-to-writing-affidavits#35402

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Debt Collection Agents (DCAs) and Solicitors* acting as DCAs: template letter
Do not NOT use for OCs or DPs.
If a DCA writes to you or a solicitor acting on behalf of an OC or DP writes to you, we do not use the NOTICE of Conditional Acceptance (NoCA) or the affidavit described above. We have another, dedicated template letter. You can use this if you dont want to engage in letter ping pong,you only need to sent once,and if they do not accept your T&Cs its job done. Always keep proof of posting. Ignore whatever they come back with as they will never have all of the financial instruments we demand.

Template link: https://goodf.forumotion.com/t5505-solicitors-debt-collectors

NOTE: If a Solicitor issues you a 'Letter of Claim', do NOT send the above template letter! A 'Letter of Claim' falls outside the NEW GOOD approach. In this instance, hopefully one of our members will provide you with alternative guidance.

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Additional HIGHLY RECOMMENDED learning materials:

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

Signatures:
https://goodf.forumotion.com/t5129-signatures

Basic tips for dealing with attempted unlawful entry (i.e. by debt enforcement agents, bailiffs etc):
https://goodf.forumotion.com/t5494-basic-tips-for-dealing-with-attempted-unlawful-entry

Prof. Werner brilliantly explains how the banking system and financial sector really work:
https://youtu.be/EC0G7pY4wRE
https://youtu.be/G3Ursm9eofM?si=iCzaEISLy2ADwlf9

The links previously listed here from 'The White Rabbit Trust & You and Your Cash
have now been removed from public by Simon and are available
Via You and Your Cash .com  Its strongly recommended that to access them you
sign up to the site ,I think its only about a fiver.

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

More from Si, Case Law on why they must return the 'note' (this is why we
ask for it.in the NoCA) https://ugetube.com/watch/case-law-why-banks-must-dishcarge-documents-and-notes-back-to-you-mp4_HNG6EtHsPxv2pTM.html

Hi, I think this case law video may explain what is referred to in  NOCAs

https://ugetube.com/watch/case-law-why-banks-must-dishcarge-documents-and-notes-back-to-you-mp4_HNG6EtHsPxv2pTM.html