NoCA for Original Creditors

This NoCA is only to be used for original creditors. Even if you do not receive a letter from the original creditor but, instead, you receive a letter from a Solicitor* acting on behalf of an original creditor, you must nonetheless ensure you send the following notice immediately to the OC.

As you are now shown to be in honour and attempting to bring remedy. It is desirable that the alleged account is sold to a debt purchaser. If you wish there are additional questions if you want to
add them from this link. However I believe I have covered all that's needed.

https://www.youtube.com/watch?v=doxbrRDjVz0&t=232s&ab_channel=ObservationDeck

*The only exception is if you receive a 'Letter of Claim' from a Solicitor, in which case do NOT use the following notice and instead refer back to the 'NEW GOODF Approach and hopefully one of our members will provide you with alternative guidance in that scenario.

Unless they are threatening court ,I would give them at least 21 days to respond.
that shows you have given them ample time to respond,




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Their address                                                                                 your address
xxxxxxxx                                                                                       xxxxxxxxx
xxxxxxx                                                                                         xxxxxxxxx


Private and Confidential
To the wo/man ,xxxx who sometimes acts as C.E.O. Of  xxxx Bank
cc to whoever has contacted you.
Their reference no.
Date xxxxxx
Sent via Royal Mail with tracking no xxxxxxxxx

Greetings,  I am somewhat concerned regarding your continuing assumption that I owe
a debt to your corporation. This assumption I hereby rebut in its entirety. However as I
wish to stand in honour in this matter ,i have  conducted  considerable research into this
matter and as a result I require clarification regarding your claims.
Please be aware this is not a refusal to pay any lawful obligation I may have ,and
therefore there is not controversy. Please be aware the following is not a letter ,it is a
notice and should be treated as such.

                                        Notice of  Conditional Acceptance

This is an offer to settle any lawful obligation I may have to your corporation conditional
upon your required response to the questions below to my complete satisfaction.  



1          Does xxxxx Bank hold or have in its possession the original agreement herein
           called 'the note'?   Please answer under your personal liability.

2. If you hold the 'note' ,please forward a 'True or Certified copy ' for my inspection.
  Along with the name of the man or woman who has first hand knowledge and
  attests to its authenticity under their full personal liability.


3. Do you deny that the 'note' is a Bill of exchange / security / promissory note/
           negotiable instrument. Please answer under your personal liability.

4. If you have confirmed that question 3 is correct,do you deny that if such note
           was deposited with xxxxxxx Bank ,i became a creditor of xxxxx Bank and as
           per the judgement made by The Master of The Rolls Lord Denning who stated in a
           precedent High Court judgement; “We have repeatedly said in this court that a Bill
           of Exchange or Promissory Note is to be treated as cash, It is to be honoured unless
           there is some good reason to the contrary” Lord Denning M.R. In Fielding & Platt
           V Selim Najjar [1969] 1 W.I.R.357 at 361;[1969]2 ALL E.R. 150,CA
            Please answer under your personal liability.

5. Do you deny that if the alleged 'note' was deposited with xxxxx Bank xxxxx Bank
            then as confirmed by the Bank of England statement ( quarterly bulletin 2014 Q1)
           “ Created money out of thin air” thereby creating a deposit in the banks ledger to
           the face value of said 'note' . Please answer under your full personal liability.

6. Do you deny that as xxxx Bank created  the money ,they incurred no material loss?
           Please answer under your full personal liability.

7. Please confirm that xxxx Bank has not 1. sold or traded in any way the 'note'.2 Has
            not made an insurance claim in regards to said 'note' 3. That xxxx Bank has not      
           claimed a 'write off' to HMRC in regards to alleged defaulted account. Please answer  
           under your full personal liability.

8.         Please provide evidence that xxxxx Bank provided full disclosure .
                     

9.         Please confirm that if  you have answered the above points to my satisfaction
           you will by arrangement, make available at a branch of my choice the original
           'note' in its original condition ,free from any endorsements or any other markings
           in order that said 'note' will upon payment of alleged sum owing ,exchange be made
           for said note,in order that I may cancel or destroy it.

           Chirographum apud debitorem repertum praesumitur solutum . A deed or bond
            found with the debtor is presumed to be paid.
         
          Semper necessitas probandi incumbit qui agit. The claimant is always bound to
            prove: the burden of proof lies on him .


                                                                                                               
                                                                                          Yours sincerely

                                                                                  By;     your signature
                                                                                            all rights reserved
                                                    john henry :Doe
                      Authorised  representative for JOHN HENRY DOE

                     Non negotiable . All contacts recorded

  ( ensure your signature goes over 'all rights reserved')



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                                             2

Notice 2 is below,  by now you may have received a reply of sorts .
Your 1st Notice was sent private and confidential ,if any response was sent by anyone
other than the addressee , I would advise them that you are dealing with this matter
in private with their C.E.O. If they are alleging you have made a complaint,make sure
you respond rebutting that claim (there are reasons for this).

If you have not received a response from the CEO  send Notice 2 headed Notice of
Conditional Acceptance as before but add underneath Notice of Non-Response and
Opportunity to Cure.

                                                    Notice 2
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Their address                                                                                your address
xxxxxxxxxxxxx                                                                           xxxxxxxxxxxxxx


Private and Confidential.
To the (man / woman) john : Doe acting as C.E.O.
Their ref no xxxx
Date xxxxxx
Sent via Royal Mail with tracking no xxxxxxxxxxx


john :doe, I sent to you a notice of Conditional Acceptance dated xxxx .According to
Royal Mail records this was received by your office at xx am  on (date) and was signed
for by (name). No response has been received from you to validate your claim that I owe
a debt to your corporation.

                                                Notice of Conditional Acceptance
                                                Notice of non-response and opportunity to Cure

I now repeat below the points I require for you to validate your claim to my satisfaction.


(add the 9 points sent in notice 1)


Additionally I take this opportunity to remind you of  CONC 13.1 from the FCA
handbook ,giving your obligation regarding the supply of documents and the enforceability of any claim.


(add the maxims and finish as in Notice 1


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By now its unlikely you will have received a response from the CEO personally.
Proceed to Notice 3 below.





Their address                                                                              Your address
xxxxxxxxx                                                                                 xxxxxxxxxxx



Private and Confidential

To the man  john : Doe acting as Chief Executive Officer.

Their Ref no xxxxxx
Date xx xx xxxx
Sent via Royal Mail with tracking no xxxxxxx




john : doe,  I the man  joe : bloggs have previously sent to you 2 Notices of  Conditional
Acceptance,subject to your production of the evidence requested to the validity of your
claim that I joe : bloggs owe a debt to your corporation.
These two notices ,according to Royal Mail records have been received at your office
and bear the signature of the acceptor.
Therefore I am somewhat perturbed that someone in your position have now placed
yourself  in default and dishonour.
I have attempted to settle this matter ,and have come with 'clean hands' .


                                          Third Notice of Conditional Acceptance    
                                           Notice of Default

This is my third offer to settle any lawful obligation I my have to your corporation
conditional upon your answers to the points raised and evidence requested .
For the third time I repeat below the points I require you respond to.


(add here the 9 points as before)



I require your compliance to my request, as following my research I wish to ascertain
that you are still in possession of the 'note' , being a loan to the bank as per the Building
Societies Act 1997, over which you hold a lien ,as per Brandao v Barnett [1846] 12 CL
and F 787 (HL), and which of course I will require returned to me upon full payment
of alleged debt.  

Additionally I take this opportunity to remind you of  the FCA handbook CONC 13.1
regarding the supply of documentation.
As its very clear , I have at no time refused to honour any lawful obligation ,please be
aware there is no Justiciable Controversy.



( finish off as per 1&2 including the maxims)


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As you will not have received a satisfactory response from the CEO. I would
recommend you send a 4th and final notice to finish the process.

Just make the small alterations to the notice 4 for debt purchasers to suit the OC.

link here;
https://goodf.forumotion.com/t4987-notice-of-conditional-acceptance-for-debt-purchasers-only