Hello Garlok!
Originally posted by garlok
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It would be wise to keep an eye out for similar activities, because there will be - inevitably - further attempts to do exactly the same thing.
There is a whole Debt Industry out there who simply hate it when the Debt Slaves jump out of line. They get especially upset when the Slaves begin to question the flawed principles upon which their Slavery is based.
This Forum has the potential to re-educate many people that Debt can be engineered, and that the problems they face were in most cases created for them, not by them. People need to appreciate that they were never really as in control of their finances as they were led to believe.
However, whilst it will be superb to contribute to that re-education and growing awareness that things out there are not all that they seem, we still have to deal with the immediate issues on a case by case basis, and do our level best to defeat the enemy on their own terms, if at all possible...and that usually means via letters and, sometimes, via a robust Defence should the matter end up in Court.
Originally posted by garlok
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After all, they employ the same idiot staff, and the murky pool from which those employees are drawn, is exactly the same pool from which all of the other banks and DCAs draw their staff from too. These people have given themselves absurd sounding titles to imply that their activities are Creditable and they even have their own "organisations", Logos, Forums and Magazines. This is not new, and has been going on now for many years, with the result that the banks and DCAs have inevitably adopted the same strategies because their Debt Collection staff are drawn from the very bottom of exactly the same stagnant labour pool.
Their strategies, almost without exception, now operate on the very threshold of criminality. The Harassment is very real, and the resultant effects on people is far worse than the Courts are daring to allow themselves to admit, albeit that the tide now appears to be turning on this.
The recent Harrison v Link case showed what steps the "Industry" will stoop to, in order to try and stop a Debt Slave from jumping out of line. What has not really been reported is the fact that in that case, they threw a small fortune at the problem, including the very best Lawyers and a box of the best Barristers. The fact that they lost, in my view, represented a major turning point, and one that Forums such as this must now build upon.
The tool to use is Unfairness.
The weapons of choice are s140A/B Unfair Relationship issues under The Consumer Credit Act 1974 and, where applicable, damages Claims/Counterclaims under s150 of The Financial Services and Markets Act 2000 when a Lender's own conduct (perhaps in contrast to the Regulation of the Agreement itself) is authorised and Regulated by the FSA, such that the latter imposes a duty upon them to Treat Customers Fairly (TCF).
Originally posted by garlok
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The best we can do to combat that, is to create a Forum that provides the very best tools and advice to help people struggling with these issues. Where possible, we need to stop people from falling headlong into Bear Traps that the enemy has carefully set up ready for them to stumble in to, i.e. when they are trying to build the twisted Case Law that they are seeking to create.
Other Forums have tried this, and most have been broken apart by clever Troll activity that was specifically designed to undermine such efforts.
I believe there are now sufficient people here who know what I mean, who will not want to see the same happening here.
Getting rid of a known Troll was a very positive step in the right direction. The Forum must build on that, and if it can achieve that, then it has great potential for good.
This will scare the Debt Industry to the core, so the task now is to help Niddy to build AAD into the Debt Industry's worst nightmare. That being a highly organised and structured Forum, that offers everything from Education to providing effective tools to help people to help themselves, either directly, or by setting out the options for appropriate and proportionate professional help such as, say, when a case becomes very complex, or when at Appeal, or when the dice are simply too loaded to fight the issue alone.
Silverback
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