DCA solicitors threatening 'charging order' !!

Jayen4

need_this wrote: »

OMG you have the attitude of my ex OP, hence the reason for the word ex, he was someone who couldn't take responsibility for anything as well, you owe it so pay it and grow up slightly....sorry I meant a lot,

You will end up lonely you can't take yourself out of the system completely unless you intend to live in a tent in the middle of a forest but then you couldn't rant on here of how unfair debt collectors are.

Actually,young lady, I am generally very easy to get along with ! . But,after everything that I've seen/been through regarding this case,I tend not to suffer fools/frauds lightly and tend to get very direct ! What you are seeing is my anger re-surfacing...... I just get very frustrated at how so many people are still 'asleep' and refuse to wake up/consider a different possibility.
I assure you, I have 'grown up' more than you can possibly imagine over the last 4 years ! I just wish everyone else would,too !!

I actually came here looking for information (which I got in the first couple of posts),but then certain amongst you couldn't resist being childish and judgemental. As you have seen,I give as good as I get (no matter who is having a go).

JuicyJesus

Jayen4 wrote: »

For your information 'Stat Decs' are a legal document that the courts are supposed to act upon !! Nothing whatever to do with 'Freemen' ! You obviously missed my point.

The problem is, you didn't say what you wanted to achieve with your "statutory declaration". So I don't know what point you're trying to make.

I didn't say they WERE freeman rubbish, I said they (or your attempted usage of them) seemed LIKE freeman rubbish. It seems like the intent was to ask the mortgage company to provide things they don't have to provide, have already provided or no reasonable judge would make them provide, and then when they don't claim you've won because they have no standing. That is pretty much the freeman MO with all their documents saying "It is my understanding that..." and other stuff that is b*llocks.

So, again, what were you trying to make happen with the statutory declaration?

So,you don't believe me,eh ?? You want to come and look at all the paperwork ?? Do you ?? You clearly have never had any dealings with the bank behind this charade !! I was there remember (for 3 bloody years) !!

No, I'm good ta. And if it took three years then I'm not surprised they moved for repossession. I am quite confident in my assertion that no bank goes for immediate repossession on the first sign of any arrears, for all the reasons I gave. In fact, given house prices going down they would be mad to do so, since after the sale they'd have received less money than the capital they lent out and now an unsecured debt to chase you for which they will probably never recover.

Your story simply does not stack up. And originally it was immediately them going for repo, now it's three years...

The REAL criminals are the ones running the courts !! Jesus !!....You people need to wake up !

People who lose in the courts tend to dislike the courts, even when they lost for a reason.

If you don't make any attempt to pay your mortgage debt, you will lose your house. That is pretty much a given. Not criminal. And made so blatantly clear by the "your home may be at risk" warning in every single mortgage advert going that I'm confused as to why you think it was unfair in your circumstances.

Calling me "asleep" doesn't change this basic truth. Have mortgage + don't pay mortgage + no valid extenuating circumstances = bye bye housey. Book keeping records won't change that.

need_this_2

Jayen4 wrote: »

Actually,young lady, I am generally very easy to get along with ! . But,after everything that I've seen/been through regarding this case,I tend not to suffer fools/frauds lightly and tend to get very direct ! What you are seeing is my anger re-surfacing...... I just get very frustrated at how so many people are still 'asleep' and refuse to wake up/consider a different possibility.
I assure you, I have 'grown up' more than you can possibly imagine over the last 4 years ! I just wish everyone else would,too !!

I actually came here looking for information (which I got in the first couple of posts),but then certain amongst you couldn't resist being childish and judgemental. As you have seen,I give as good as I get (no matter who is having a go).

Young lady, I am not that young as I face my debts head on and deal with them, the fact you have charges to pay is a result of you not facing them earlier. I am paying my dues and charges too and I will be proud of myself to have dealt with them and get myself debt free and I will rest easy in the knowledge that I will never owe another penny to anyone. I have my plans and I will work hard to make my life what I want, there is no way out of the system as you state so face it your stuck with what you have.

Jayen4

fwor wrote: »

I don't need to be very, very lucky. I haven't taken out any loans that I can't pay back.

But... it seems you have.

Do you have bank accounts/savings ?? I'll assume that you have......They will come for it all eventually. You have witnessed Greece and Cyprus,I take it ??
The BIG point that you're missing (deliberately maybe ?) is precisely who engineered this whole mortgage/banking debacle ! And yes,it most definately was/is being engineered.
Events are moving faster and faster now....they WILL come after you eventually.....best be ready,eh ?

ch3101

Jayen4 wrote: »

Do you have bank accounts/savings ?? I'll assume that you have......They will come for it all eventually. You have witnessed Greece and Cyprus,I take it ??
The BIG point that you're missing (deliberately maybe ?) is precisely who engineered this whole mortgage/banking debacle ! And yes,it most definately was/is being engineered.
Events are moving faster and faster now....they WILL come after you eventually.....best be ready,eh ?

How can you even compare the UK with Greece or Cyprus.

There were many, many faults to those countries' infrastructures to start with, they were run badly and hence - disaster!

The UK is nothing like that, there are sanctions in place to protect people if/when something bad happens.

antrobus

Jayen4 wrote: »

Well,you're sort of half right......but to paraphrase,you can indeed demand to 'see what the other side has',in this case,to see any contracts,book keeping etc etc.
This Stat Dec was indeed looked over by a well respected solicitor and signed /stamped by him/his firm. So it was fully legal and did carry legal force.....hence my assertion that the judiciary/courts have been acting in an utterly wrongful manner !

No, I believe I'm exactly 100% correct.:)

Statutory declarations carry no legal force. They are simply statements. They do not oblige a court to do anything. Any solicitor will happily 'stamp' any statutory declaration so long as you pay them.

The principle of disclosure is something else entirely.

barbarawright

You lot have a choice about whether to read this sort of stuff. Pity me - I work in a public library and have to put on my 'interested face' for ramblings like this all the time...

Jayen4

JuicyJesus wrote: »

The problem is, you didn't say what you wanted to achieve with your "statutory declaration". So I don't know what point you're trying to make.

I didn't say they WERE freeman rubbish, I said they (or your attempted usage of them) seemed LIKE freeman rubbish. It seems like the intent was to ask the mortgage company to provide things they don't have to provide, have already provided or no reasonable judge would make them provide, and then when they don't claim you've won because they have no standing. That is pretty much the freeman MO with all their documents saying "It is my understanding that..." and other stuff that is b*llocks.
No good backtracking....Did you miss the part where I said that I was using the 'TRUTH AND FACTS' ??

So, again, what were you trying to make happen with the statutory declaration?
I was trying to make them show what they had done and the fraud that had been commited by them.....(you ARE aware that mortgage contracts are 'bundled' and traded (sold) in the markets ?? They are in fact getting payed multiple times for the same thing...ergo fraud ! But...they knew precisely what I was after,so they all closed ranks,judiciary included,which is why I say that the whole lot of them are CORRUPT !



No, I'm good ta. And if it took three years then I'm not surprised they moved for repossession. I am quite confident in my assertion that no bank goes for immediate repossession on the first sign of any arrears, for all the reasons I gave. In fact, given house prices going down they would be mad to do so, since after the sale they'd have received less money than the capital they lent out and now an unsecured debt to chase you for which they will probably never recover.

Your story simply does not stack up. And originally it was immediately them going for repo, now it's three years...
No,you're not paying attention.....I was fighting them for three years AFTER they re-possessed the house ! In fact, I took the house back from them twice,physically.....but eventually,they even got the police/baillifs to take sides.... I'm only one man...
They got it in the end,but only by their wrongdoings ! They then sold the house at auction for £27000 (was worth £100k + !). It's just a game to them...



People who lose in the courts tend to dislike the courts, even when they lost for a reason.

If you don't make any attempt to pay your mortgage debt, you will lose your house. That is pretty much a given. Not criminal. And made so blatantly clear by the "your home may be at risk" warning in every single mortgage advert going that I'm confused as to why you think it was unfair in your circumstances.
May I suggest that you take a look at some you tube videos on the subject ?? You might 'get it' then.... Have a look at the 'Money as Debt' trilogy...2 and 3 are the more up to date ones.
Also,have a look for Bill Still's stuff.....I think the first one is called ' Wizard of Oz' or something similar...... That should change your thinking...

Calling me "asleep" doesn't change this basic truth. Have mortgage + don't pay mortgage + no valid extenuating circumstances = bye bye housey. Book keeping records won't change that.

Oh there were 'extenuating circumstances' allright.....but they chose to deliberately ignore them....You're still not listening are you ??

JuicyJesus

No good backtracking....Did you miss the part where I said that I was using the 'TRUTH AND FACTS' ??

The freemen think they're using the truth and facts too...

I was trying to make them show what they had done and the fraud that had been commited by them.....(you ARE aware that mortgage contracts are 'bundled' and traded (sold) in the markets ?? They are in fact getting payed multiple times for the same thing...ergo fraud ! But...they knew precisely what I was after,so they all closed ranks,judiciary included,which is why I say that the whole lot of them are CORRUPT !

If that bundling and trading was what you wanted them to prove with your declaration, the judge was right to refuse your request. It has absolutely nothing to do with the fact of you not paying your mortgage, and thus breaking your contract with the mortgage company.

A matter of public interest, sure. But not a reason your house shouldn't get repossessed if you don't pay your debt. That's why the judge refused to put it on the record. Because in that particular case, it was irrelevant. It would be like me trying to get out of a speeding ticket because Ford cars have a defect. Worrying, sure, but I was still doing 60 in a built up area.

The only way it could possibly be relevant is if this alleged fraud (which, incidentally, isn't fraud) directly caused you to be unable to pay your mortgage. Why WERE you unable to pay your mortgage?

No,you're not paying attention.....I was fighting them for three years AFTER they re-possessed the house ! In fact, I took the house back from them twice,physically.....but eventually,they even got the police/baillifs to take sides.... I'm only one man...

In other words you broke into the house that had been legally taken from you and the police were called to evict you because you were squatting.

You have an odd understanding of the law, and what is lawful.

They got it in the end,but only by their wrongdoings ! They then sold the house at auction for £27000 (was worth £100k + !). It's just a game to them..

Do you know what "auction" means? They can only sell it at what other people bid. I flogged a laptop on eBay once, it was worth more than the £150 I got for it but nobody bid above that so I got £150. Same applies here.

If you must take some joy from this, think about it this way - they've lost over £73,000.

May I suggest that you take a look at some you tube videos on the subject ?? You might 'get it' then.... Have a look at the 'Money as Debt' trilogy...2 and 3 are the more up to date ones.
Also,have a look for Bill Still's stuff.....I think the first one is called ' Wizard of Oz' or something similar...... That should change your thinking...

If it gives you such a bizarre understanding of things as you seem to have and leads you to make demonstrably misplaced legal arguments, I'll pass ta.

Oh there were 'extenuating circumstances' allright.....but they chose to deliberately ignore them....You're still not listening are you ??

OK, and what were these? Things to do with your particular mortgage. Not the alleged fraud with all mortgages you mention above, YOUR mortgage. Financial difficulties, ill health, recent bereavement, SOMETHING to say "no, this person would pay back the money, they just need more time to get their sh*t together and pay back the debt".

That would be the sort of extenuating circumstances the judge might consider.

essjaytee

Jayen4 wrote: »

Oh there were 'extenuating circumstances' allright.....but they chose to deliberately ignore them....You're still not listening are you ??

listening to what?? you're using a lot of words but not actually saying anything! Just directing your anger towards people on here who aren't as stupid as you seem to think and are fully capable of reading between your lines and seeing your posts for the attention seeking ramblings that they are!

So to sum up through the ramblings, you had a mortgage, overdraft, bank loan and cc (so at this point the system you now despise so much was working in your favour and so you were happy with it). You then couldn't pay back the money you had quite happily agreed to borrow and pay back, the people you owed asked for their money back, were obviously getting nowhere with you and so started their processes for getting back what was quite rightly theirs (as per your agreements) and that was the point where you decided you didn't actually like the system after all…

I notice you haven’t answered any of the questions about how you’re going to manage living off the grid when you are older. Is that deliberate because you don’t want to share your amazing plans with everyone? Or is that because you haven’t actually thought this through properly?

Do you have any kids/family? If so, how do they feel about your lifestyle/ramblings/attempts to avoid paying back what you rightly owe? Or the chance you could end up sponging off them in years to come ?