the three letter process

TripleH

I think on a serious level, whether the 3 letters works because of the 3 specific letters or the contents aggregated across all 3 or not, my concern is if people are paying for these 3 letter templates in the hope their larger debts are written off when the same result can be obtained for free in one letter available on this site.

sourcrates

Bobby. wrote: »

I know of two people who have done a similar process and after the debt was never called upon.

Really, that many..........

Kentish_Dave

Bobby. wrote: »

Ignore all the people who are saying "it wont work"

There is a possibility it can work, and its dependent upon multiple factors, such as whether documents were done properly on day one, whether documents have been lost since... + many more etc.

The people who are saying 100% it wont work simply cant bear that somebody may get away with a debt whilst they are goody-too-shoes and pay there way. IE they are biased and butthurt.


Thats the truth of the matter.

I know of two people who have done a similar process and after the debt was never called upon.

It’s goody two shoes.

I have to wonder, why do people who cannot even write at the level of a seven year-old think that they can outfox the legal establishment? I’ve some friends who have special educational needs who are wonderful people, but they understand that they have some limitations. Is it possible that there’s some kind of event that makes people write such rubbish and actually believe it?

Gaz83

Kentish_Dave wrote: »

It’s goody two shoes.

I have to wonder, why do people who cannot even write at the level of a seven year-old think that they can outfox the legal establishment? I’ve some friends who have special educational needs who are wonderful people, but they understand that they have some limitations. Is it possible that there’s some kind of event that makes people write such rubbish and actually believe it?

Look up Dunning Kruger Syndrome.

Kentish_Dave

Gaz83 wrote: »

Look up Dunning Kruger Syndrome.

It does seem fitting here.

glennstar

Bobby. wrote: »

Ignore all the people who are saying "it wont work"

There is a possibility it can work, and its dependent upon multiple factors, such as whether documents were done properly on day one, whether documents have been lost since... + many more etc.

The people who are saying 100% it wont work simply cant bear that somebody may get away with a debt whilst they are goody-too-shoes and pay there way. IE they are biased and butthurt.


Thats the truth of the matter.

I know of two people who have done a similar process and after the debt was never called upon.

Appreciate I'm a little late to the party here but couldn't resist. Why can't bobby, kellamergh, Stevespy, et al state the facts more plainly, which is, that there is a chance that the paper trail is broken during the debt purchase process, and that you should as a matter of course, ask for the paperwork, and then refuse to pay if they can't provide it.

This is nothing to do with three letters or anything else. It appears to be good practice and should be routinely followed by anyone in this situation.

Also, there's a facebook group for this? What's wrong with everyone?

Miky275

Yes the 3 letter process works. it is not some magical thing for freemans. you may need to look in to this further. It all comes down to contract law.

robber2

Miky275 wrote: »

Yes the 3 letter process works. it is not some magical thing for freemans. you may need to look in to this further. It all comes down to contract law.

Nonsense you silly boy.



Im not at all suprised that a major fashion chain don't feel its right for them;


https://www.freemans.com/


Rob

Willing2Learn

Miky275 wrote: »

Yes the 3 letter process works. it is not some magical thing for freemans. you may need to look in to this further. It all comes down to contract law.

It has nothing to do with 3 letters. It is down to legislation. One of the letters asks a creditor to provide compliant paperwork (CCA), without which the account becomes unenforceable. The other two letters are meaningless.

andrewskywalker

I have followed the 3 letter process to the letter and I have not had one account closed.
Every debt collection agency (parasite who buys debt at 5p in the pound) has produced the original credit agreement but not the deed of assignment which from what I am reading on the CCA they do not have too.

So I am now sat here with pre legal action letters waiting to be taken to court, have ccjs added to my credit file again and my life ruined. I'm 50 now so no point in even trying to start again?