3 letter process

roro12
roro12 Posts: 1 Newbie
So I did the 3 letter process and cease and desist letter. The creditors just keep sending replies through letters and emails to take me to court.....so now what do I do? 

Comments

  • fatbelly
    fatbelly Posts: 22,535 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Cashback Cashier
    The 3-letter thing is some nonsense put out by the Freemen of the Land.

    If you want proper advice, the place is the debt-free wannabe forum but we will need a lot more information and probably a statement of affairs
  • sourcrates
    sourcrates Posts: 31,039 Ambassador
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
    roro12 said:
    So I did the 3 letter process and cease and desist letter. The creditors just keep sending replies through letters and emails to take me to court.....so now what do I do? 
    You have discovered then, that the 3 letter process is basically nonsense, its plied on various freemen of the land websites, supposedly from the 1925 property act, and blended with a dose of indoctrination from their belief system, and has absolutely nothing to do with consumer credit debt.

    Post on debt free wannabe, and we can give you more appropriate advice based on your circumstances.
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • MEM62
    MEM62 Posts: 5,231 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    roro12 said:
    So I did the 3 letter process and cease and desist letter. The creditors just keep sending replies through letters and emails to take me to court
    So you have now found out that the process is a load of rubbish sprouted by individuals that don't know what they are talking about.  
    roro12 said:
    ....so now what do I do? 
    You can engage with your creditors and form a plan to deal with the debt or ignore them and risk court action.  
      
  • Clive_Woody
    Clive_Woody Posts: 5,909 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    roro12 said:
    So I did the 3 letter process and cease and desist letter. The creditors just keep sending replies through letters and emails to take me to court.....so now what do I do? 
    Seek proper advice and stop with this nonsense.
    "We act as though comfort and luxury are the chief requirements of life, when all that we need to make us happy is something to be enthusiastic about” – Albert Einstein
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