Anyone won in court using the 3 letters as a defence?

by Stevro Wed Aug 16, 2017 9:46 am

On the old site there were many success stories. Most seemed to be based on DCAs giving up. I wondered if anyone has won a court battle using the 3 letter process (and principles therein) as their defence?

Thanks

by zorro61 Wed Aug 16, 2017 10:11 am

Hi Stevro, Ive just sent the first letter to PRA ! and would also like to see more feedback . especially on the court process.. Thank's

by Ausk Wed Aug 16, 2017 10:41 am

Good question Stevro,

As i see it, the defense lies in the DC's inability to prove their case because they don't have the documentation required to prove their case, they have to show full and complete accounting, evidence of contract and evidence of default.

If they dont have all three of those documents their case fails becasue they cannot prove they can give good discharge of the debt.

by Whymeok Wed Aug 16, 2017 12:11 pm

What you mean,, as all lower had hired a agent in court, they never got new offer contract details,I cancel ,only one claim is mobile phone,not sure ausk what your response means

by Whymeok Wed Aug 16, 2017 12:13 pm

I used before court, action began the 3 letter process on both vodephone and Lowell,,they still push ccj claim on me, could not use letter process in court,

by **Society of the Spectacle** Wed Aug 16, 2017 1:56 pm

The 3 letters is not to be taken as a defence as such..
Stop and consider what the 3 letters are asking for.

If you actually was taken to court, and the debt could not be proven ,
would you say that was a win for the 3 letters ?

The thing is you are dealing with companies that hire proffesional lawyers,

They know when they will lose in court,
and so will not go that route.

That is why you will see critics and Trolls' saying ,
"Has anybody won in court with the 3 letters"

It is not really a valid question.

Ask again,
and try to be specific if that hasn't cleared it up for you.

by Whymeok Wed Aug 16, 2017 2:17 pm

Ok I known of trust law and how yes Thier companies, I'm trying before to get proof of signed contract with debt buying company, so I did the lawful due process in common law,,,, as agent for trust name,

I read carefully what words is in statute law too,,, as disabled woman,I'm believe I'm trapped in state control system, may be why Lowell CEO refused to respond to and before that CEO the man,same 3 letter process,

by Guest Wed Aug 16, 2017 2:59 pm

Hi Whymeok

You're obviously not a complete noob, but your presentation is a little.... disjointed?

Just a suggestion - if you can put your needs in a pointed narrative, prospective helpers would find it easier to help you and any misunderstandings could be quickly pinpointed. For example:

Point 1) i had a contract for ______ with _____

2) i fell behind with payments....

3) i then received a letter from _____ stating _____

4) i don't understand what 'such and such' means and.....

Etcetera.... do you get me?

Good luck missus

Cheers!

by Whymeok Wed Aug 16, 2017 3:39 pm

Ok my I'll health not help ok , I try your advice,,,,

by Stevro Wed Aug 16, 2017 4:21 pm

Thanks for the response. So you're saying they know they will lose when facing a '3 letter' person i.e. someone with the sense and ability to fight it, so don't pursue it? They go for the 'easy hanging fruit' i.e. those who acknowledge the debt?

Society of the Spectacle wrote:The 3 letters is not to be taken as a defence as such..
Stop and consider what the 3 letters are asking for.

If you actually was taken to court, and the debt could not be proven ,
would you say that was a win for the 3 letters ?

The thing is you are dealing with companies that hire proffesional lawyers,

They know when they will lose in court,
and so will not go that route.

That is why you will see critics and Trolls' saying ,
"Has anybody won in court with the 3 letters"

It is not really a valid question.

Ask again,
and try to be specific if that hasn't cleared it up for you.

by Stevro Wed Aug 16, 2017 4:23 pm

This is my understanding, but wanted to know if anyone has gone to court and won with this argument?

Ausk wrote:Good question Stevro,

As i see it, the defense lies in the DC's inability to prove their case because they don't have the documentation required to prove their case, they have to show full and complete accounting, evidence of contract and evidence of default.

If they dont have all three of those documents their case fails becasue they cannot prove they can give good discharge of the debt.

by petesomething Wed Aug 16, 2017 6:55 pm

Yes you can use the 3 letters the bill and the new and the new cover letter.
IN COURT as part of your defence

Their solicitor will say he/she had this credit card and used it,and now will not pay money back Mad

The judge will look at you Shocked

you will say the solicitors is misleading you Neutral

i am happy to pay if these debt collectors can proof they legally own the debt,

you will have the 3 letters in court , as proof you tried to resolve this matter before court action

then their solicitor then got to prove the DCA legally own the debt, Crying or Very sad

90% of people lose in court because simply they dont turn up for court and lose by default

so they will take you to court even though they may lose if you do attended court that day its maths

by Stevro Thu Aug 17, 2017 6:20 am

This was what I suspected but very well put.

I'm hoping it won't get that far but I'll be there if it comes to it :-)

petesomething wrote:Yes you can use the 3 letters the bill and the new and the new cover letter.
IN COURT as part of your defence

Their solicitor will say he/she had this credit card and used it,and now will not pay money back

The judge will look at you

you will say the solicitors is misleading you

i am happy to pay if these debt collectors can proof they legally own the debt,

you will have the 3 letters in court , as proof you tried to resolve this matter before court action

then their solicitor then got to prove the DCA legally own the debt,

90% of people lose in court because simply they dont turn up for court and lose by default

so they will take you to court even though they may lose if you do attended court that day its maths

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