Beat The Bailiffs With The Original 3 Letter Process

Whatever unscrupulous others might tell you, the original 3 letter process for getting rid of fake credit card debt was created by myself more than a decade ago and given away for free on my web spaces for anybody to use, where it remains to this day:

The A4V of Robin Hoody: A Bankster in Dishonour

As numerous witnesses to the facts, including my friends at Beat the Bailiffs and the Banks, would be more than willing to testify, all other versions of the process that subsequently arose used my original remedy as their template.

The reasons for this were very simple:

It was the very first UK remedy for fraudulent credit card debt and nothing else anybody tried had ever worked before.

The process has since been used by countless people to achieve the same outcome. It also worked in the county court in 2013, when a friend of mine was handed judgment in his wife’s claim of credit card fraud against another major provider.

Tried and Tested Process

Here is a transcription of the original, tried and tested process, which I successfully used in 2009 to discharge three fraudulent claims by major credit card companies [and their debt collection agents], for and on behalf of a former auditor for KPMG.

Letter 1

PRIVATE & CONFIDENTIAL
ROBIN HOODY
CAPITAL TWO BANK (EUROPE) PLC
PO BOX 666

27 July 2009

NOTICE OF CONDITIONAL ACCEPTANCE

NOTICE TO AGENT IS NOTICE TO PRINCIPAL
NOTICE TO PRINCIPAL IS NOTICE TO AGENT

Dear ROBIN HOODY,

Re: Capital Two Mistercard 1234 1234 1234 1234

Following the receipt of your company’s NOTICE dated __________________, I hereby serve notice that I conditionally accept the alleged debt of [ALLEGED AMOUNT DUE], and will use my best endeavours to settle and close the account in the most expedient manner possible, upon receipt of the following items at the mailing location above:

1. A legally enforceable original credit agreement signed in blue ink by the Authorised Representative for [ADD NAME].
2. Verification of the balance due, signed by a director of the company.
3. Validation of CAPITAL TWO’s valuable consideration pertaining to the alleged debt, in the form of the actual accounting of its losses.

Dishonour of this NOTICE OF CONDITIONAL ACCEPTANCE by failing to provide these reasonably requested items within seven (7) days of ROYAL MAIL SPECIAL DELIVERY [ADD BAR CODE NUMBER], will constitute CAPITAL TWO BANK’s voluntary agreement that it has aggressively and unfairly attempted to collect an invalid claim.

Without malice, mischief, ill will, frivolity or vexation, in sincerity and honour,

By: Upper-Case: Lower
Authorised Representative for [ADD NAME]
Without Prejudice – Without Recourse – Non-Assumpsit
Errors & Omissions Excepted

Letter 2

PRIVATE & CONFIDENTIAL
ROBIN HOODY
CAPITAL TWO BANK (EUROPE) PLC
PO BOX 666

07 August 2009

NOTICE OF DISHONOUR & OPPORTUNITY TO CURE

NOTICE TO AGENT IS NOTICE TO PRINCIPAL
NOTICE TO PRINCIPAL IS NOTICE TO AGENT

Dear ROBIN HOODY,

Re: Account Number: XXXX XXXX XXXX XXXX

Following your company’s dishonour of [ADD NAME]’s NOTICE OF CONDITIONAL ACCEPTANCE dated 27 July 2009, I hereby serve NOTICE OF DISHONOUR & OPPORTUNITY TO CURE. Kindly provide the following items at the mailing location below without further delay:

1. A legally enforceable original credit agreement signed in blue ink
2. Verification of the balance due, signed by a director of the company.
3. Validation of CAPITAL TWO BANK’s valuable consideration pertaining to the alleged debt, in the form of the actual accounting of your company’s losses.

Dishonour of this NOTICE, by failing to provide these reasonably requested specific items within seven (7) days of service, will comprise an estoppel on further collection proceedings, as well as the tacit procuration of CAPITAL TWO BANK’s agreement that it has aggressively and unfairly attempted to collect an invalid claim.

In so doing, CAPITAL TWO BANK will have caused injury to [ADD NAME], for which the Authorised Representative will be legally entitled to make a commercial claim through the county court for at least three times the value of the invalid claim, plus the alleged principal, in the event that all available private administrative remedies have already been exhausted.

Without malice, mischief, ill will, frivolity or vexation, in sincerity and honour,

By: Upper-Case: Lower
Authorised Representative for [ADD NAME]
Without Prejudice – Without Recourse – Non-Assumpsit
Errors & Omissions Excepted

Letter 3

PRIVATE & CONFIDENTIAL
ROBIN HOODY
CAPITAL TWO BANK (EUROPE) PLC
PO BOX 666

17 August 2009

NOTICE OF DEFAULT

NOTICE TO AGENT IS NOTICE TO PRINCIPAL
NOTICE TO PRINCIPAL IS NOTICE TO AGENT

Dear ROBIN HOODY,

Re: Account Number: XXXX XXXX XXXX XXXX

Following your company’s dishonour of [ADD NAME]’s NOTICE OF CONDITIONAL ACCEPTANCE dated 27 July 2009, and the NOTICE OF DISHONOUR & OPPORTUNITY TO CURE dated 07 August 2009, [ADD NAME] hereby serves NOTICE OF DEFAULT. Your company has failed to provide the following reasonably requested items:

1. A legally enforceable original credit agreement, signed in blue ink.
2. Verification of the balance due, signed by a director of the company.
3. Validation of CAPITAL TWO BANK’s valuable consideration pertaining to the alleged debt, in the form of the actual accounting of your company’s losses.

The failure of CAPITAL TWO BANK to provide these specific items within the stipulated time, comprises an estoppel on further attempts to collect the purported debt, as well as the tacit procuration of CAPITAL TWO BANK’s agreement that it has aggressively and unfairly attempted to collect an invalid claim.

In so doing, CAPITAL TWO BANK has caused injury to [ADD NAME], for which the Authorised Representative is legally entitled to make a commercial claim for at least three times the value of the invalid claim, plus the alleged principal, in the event that all available private administrative remedies have already been exhausted.

Without malice, mischief, ill will, frivolity or vexation, in sincerity and honour,

By: Upper-Case: Lower
Authorised Representative for [ADD NAME]
Without Prejudice – Without Recourse – Non-Assumpsit
Errors & Omissions Excepted

What To Expect

The credit card company will send letters warning you that the matter will be passed to their debt collection agent for enforcement and that you might end up with a County Court Judgment against your name, or that of the account holder, if you are doing as I did above. In which case, you should wait for them to so.

When you receive the first threatening letter from the appointed debt collection agent [DCA], simply re-issue the three letters in the name of the CEO of the DCA, which almost always results in the bailiffs sending more threatening letters, before handing the account back to their client.

In all probability, the credit card company will then appoint another debt collection agent and exactly the same process can be used to force them to hand the account back to their client.

However, they will eventually run out of collection agents to appoint, at which juncture they will sell your account to a company which specializes in enforcing collection, such as Lowells, at a heavily discounted price.

Nevertheless, simply repeat the three letter process, asking the collection agent to verify it has the legal right to enforce a claim against the account holder.

Sooner or later, after the usual threats, you will receive a letter notifying you that the account has been closed, thereby confirming the invalid claim has been terminated and you will not hear anything more about it.

Terms of Use and Copyright Notice

This process is free for everybody to use, solely for the express purpose it was intended for, when it was originally published during the summer of 2009, on my old website FreeThePlanet.net, as well as the GetOutOfDebtFree forum [from which it was rather suspiciously deleted].

A mandatory condition is and always has been that all who use it must hold harmless and indemnify the author from all potential liabilities, in the unlikely event that the process, when implemented correctly, does not result in the discharge of any fraudulent credit card claim in the UK.

It can be shared, copied and re-posted, but not without giving due credit to its originating author. Failure to do so will automatically result in the termination of the offender’s right to use the process.

If any individual, group or entity is found to have used this process for commercial purposes, or in the event they have falsely purported to be the creators/owners of it, they will be held liable for copyright infringement and misrepresentation of the facts, nunc-pro-tunc.