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How to Remove Credit Card Debt or Other Unsecured Debts

A credit card is an unsecured debt, as opposed to a secured debt like a mortgage for example which is backed by the home, or uses the home it is secured against as security for payment, so that the home can be taken to pay off the debt if the debtor falls too far behind on payments.

The FTC - Federal Trade Commission (USA), found that 1 in 3 Americans have a mistake on their credit report.

The same is true of the UK, research by uSwitch also revealed that 1 in 3 Brits have found mistakes on their credit report too.

Common  Mistakes:

Here is a list of the common reported errors listed on credit reports:

1. Incorrect credit products listed - for ecample a credit card misspelling

2. Wrong address - which can include a minor error like a misspelling of the road or house number, all valid errors.

3. Wrong name of company/bank that provided the credit

4. Address links

5. Aliases (mostly maiden names)

6. Fraud

7. Missed payments

Just in case you didn't know already, checking your credit report doesn't affect your score negatively, but missed payments do.

Other things that can have a direct impact on your credit score include:

- Whether or not you're registered to vote

- Bankruptcies in the past six years

- How many loans and/or credit cards you have open

- Past debts

https://www.consumerfinance.gov/about-us/blog/common-errors-credit-report-and-how-get-them-fixed/

Check Your Credit Report

You can get a free credit record check at various websites, for instance at www.ClearScore.com

Checking your credit report regularly through one of the three credit reference agencies - Equifax, Experian and TransUnion - is an essential part of understanding how you're doing financially and whether there are issues you need to deal with.

Paying  Your Bill With Your Signature/Autograph

Before we get into this process of how to pay off your credit card debt with not much more than your signature and the cost of postage, you may know already, but in bankruptcy the accounts of the debtor become under the control of the creditor.
In this country, England, we have been in bankruptcy for a long time, it's the same in America. Neither countries are bankrupt in the sense that they have no produce or services of value, just in the sense that they have unpaid debts. I won't get into the politics or morals of  this too much, but just know that the debt could've been paid off a long time ago if the governments of these countries just printed their own, debt free money, rather than borrowing money at interest from the banks, because that's another story and in fact many Presidents have been assassinated trying to do this, which you'll already know if you've watched the Secrets of Oz video on my 'How Money Works'page. All I'll say here is that before the great depression of 1929, and until another 2 years later here in the UK and 4 years later in the US, money was still redeemable in gold and silver, meaning a pound note could be taken into a bank and you would be given a pound of silver in return, the same in America, a dollar was a weight of gold or silver. These precious metals are what gave the paper money value. Well that all changed after 1931 in England with the Gold Amendment Act and in America with House Joint Resolution, or HJR, - 192. Since then, it has been our labour, or our promise to make good on payment, our promise to pay, and/or to provide goods or services in return for payment, which has given the money value, because our word is our bond, bond being a form of money, right? Well believe it or not, this is why our signature is now worth money, in the sense that it can be used to settle debts. Not all debts mind you, so don't go rushing down to the off-license to buy a bottle of whiskey trying to use your signature as payment, because I don't think the staff there will think it's very funny and you'll probably end up getting arrested. But when it comes to credit card debts, and even utility bills, (see my utilities page) it's certainly something people have used. If you haven't already, take a look at my A4V page where I've already written an introduction about the method used for paying bills with a signature too, but we'll go into the process fully and in more depth here on this page.

How To Correct Mistakes on Your Credit Report

Both the credit bureau and the business that supplied the information to a credit bureau, have to correct information that's wrong or incomplete in your report. And they have to do it for free. To correct mistakes in your report, contact the credit bureau and the business that reported the inaccurate information. Tell them you want to dispute that information on your report. I'll show you how later, once i show you how to pay off your debt using your endorsement (signature/autograph), without using a penny of your hard earned money, except for postage etc. You'll want to send a Notice of Payment by Endorsement, or the equivalent, along with your A4V (accepted for value) which is the payment itself in a bankruptcy (see the process as detailed on this following page: https://Law-5.webnode.com/A4V)
(your promise to pay as I said earlier). Here is a 'Notice of Payment by Endorsement' for you:

You'll want to send the above with a 'Notice of Fiduciary Appointment' for the best results. These two notice templates can also be used if dealing with a utilities company, for payment of utilitiy bills, whether gas, electric or water.

Paying the Debt With Your Signature

So first of all we'll want to pay the debt with our signature/autograph, as I said already, using a method called Accepted For Value (A4V/AFV).
We'll also want to start a 3 step administrative process along with this payment method. For those not familiar with this method already, on this particular occasion, we start with the Notice of Payment by Endorsement (in this particular case, but it could be a 'Notice of Conditional Acceptance' or something else, full details on my other page here: https://Law-5.webnode.com/notice-writing-restricted)
followed by a Notice of Fault and Opportunity to Cure and culminating in a Notice of Default, which is a private default judgment.
Here are both a 'Notice of Fault and Opportunity to Cure' and a 'Notice of Default' template, which can also be adapted for utility bills if not being used for credit cards.

Zero Statement Of Account

Along with our Notice of Default, we'll also want to send them a zero balance statement, headed 'Request Regarding Authentic Statement of Account' and saying please correct this record within 14 days. Any corrections must be submitted in writing, sworn or affirmed under penalty of perjury and full commercial liability. Failure to respond in the prescribed way within the 14 days will constitute your agreement that this account is now setoff, settled and closed by the instrument previously sent to you on (date) by signed for delivery number AB123456789. And get two witnesses to sign it as on my affidavit on my conditional acceptances page. Here is a template for you to use, to be sent with a Notice of Default, as already stated:

Notice of Default:

How to Dispute Mistakes with the Credit Bureaus

You should open a dispute with each credit bureau that has the mistake. Explain in writing what you think is wrong, which in our case, will be that we have paid the bill. "But", I hear you saying, "you said we won't use a penny of our money", yes, that's right, but we'll get to that in a sec, keep reading... You'll want to include the credit bureau's dispute form (if they have one), copies of documents that support your dispute, and keep records of everything you send. If you send your dispute by mail, you can use the address found on your credit report or a credit bureau's address for disputes.

Equifax

More information about Equifax's dispute process.

For UK customers send your letter to:

Equifax Ltd

Customer Service Centre

PO Box 10036

Leicester

LE3 4FS

For US customers mail your letter to:

Equifax Information Services LLC

P.O. Box 740256

Atlanta, GA 30348

Experian

More information about Experian's dispute process and dispute form.

For UK customers, send the form with your letter here:

Customer Support Centre

Experian Ltd

PO BOX 9000

Nottingham

NG80 7WF

For US customers, mail the form with your letter to:

Experian

P.O. Box 4500

Allen, TX 75013

Transunion

More information about Transunion's dispute process by mail and dispute form.

For UK customers:

Customer Relations

TransUnion Information Group

One Park Lane

LEEDS

LS3 1EP

For US customers, mail the form with your letter to:

TransUnion LLC Consumer Dispute Center

P.O. Box 2000

Chester, PA 19016

Later i'll show you how to completely clear a credit card debt, but first here is a template letter to use if you find any errors like those i just mentioned above,

It's as simple as asking the credit bureau to remove or correct any inaccurate or incomplete information, listing

each mistake you want corrected, and why.

We'll want to include copies [not originals - which simply means writing the following in the header of any documents before sending them: 'certified copy'] of documents that support our request, with a copy of our credit report (circling mistakes we want fixed),

We always want to send our letter by signed for or some other recorded postage in the UK, or in the US by certified mail and pay for a "return receipt", so that we have a record that the credit bureau received it and always make sure to keep copies of everything we send.

That should be sent to the credit card company prior to notifying FCA to rectify their records:

https://www.fca.org.uk/

FCA Head Office

12 Endeavour Square

London E20 1JN

See "How do I correct credit report mistakes?" here:

https://www.which.co.uk/money/credit-cards-and-loans/credit-scores/credit-reports-all-you-need-to-know-a6kbx3x10l1w

You should see the credit card listed as a debt on your credit score, or if you haven't already, then join a CRA:

https://app.clearscore.com/signup

Write to and tell them to correct your records (they're supposed to be accurate and not misleading, you can look up the exact wording they for this use about credit records) you use your private records/default as evidence, they'll go back to the credit reference agency to ask for proof, which they won't have, so as we've already sent proof they'll be told to correct the record and remove the debt. 

Step 4 - Public Record

If we have any upcoming court action as a result of this process we have now completed, once we have a private default judgment (3 step process - see https://Law-5.webnode.com/notice-writing-restricted)

we'll then want to file copies of our evidence (i reiterate again, not the originals) into our court case as a defence, so that it is on the public record. This will also be sufficient proof should the FCA not accept our private default judgment, as this now makes it public. Or if there is no court case we can simply go to a district judge in either a magistrates or county court, to get our public record of the judgment. Or to higher judges if you happen to go to the high court. But just your local court is best. You'll want to either email them, probably best in these omicrap times although you can just go in to the court if you prefer, to arrange an ex-parte hearing with the district judge, preferably in private chambers, away from court staff who will probably try to block you. Tell them you want to record your documents, in the public [for and on the public record].

It is best to send instructions of what you want to do ahead of time, at least via email, but possibly also fax and post, so that they can't come up with excuses when you turn up to the court as you've already notified them. If they tried to block me, i'd just ask questions, e.g. "is this not a public facility?", they'll say yes, then ask "you are aware that i'm a member of the public aren't you?", they reply yes, "then [as a man] is it not my right to use this facility as and when i require?" If they say "yes, but...[excuse, excuse]" then i'd say "then you are aware that to obstruct me would be a crime, right?" (For instance malfeasance of office or tampering with evidence). If they still continue, i'd ask "are you aware that if i file a commercial lien against you for £10,000, that you won't be able to work in this job anymore and your public liability insurance won't cover you so you'll be responsible for paying the money personally? Or I could in fact file an insurance claim, may i have your bond number please? As I don't want to have to do a FOIA request to obtain it."

[I might also add "it will also show up on your credit report and against any properties you may own, which means you won't be able to sell them without paying me first"]

Hopefully the obstruction won't go that far, lol. But just in case.

Alternatively

Type up the following

Statutory Declaration

i, [YOUR NAME] of [some address] do solomny and sincerely declare that:

[Insert] Credit Card Account Reference Number:

Claimants: (ABC Credit Co.)

name/address etc

Any and all previous responses, replies, answers, appeal defences and/or other reaponses prior to [date] should be disregarded and replaced with this Statutory Declaration.

Any implied, presumed, assumed agreement and/or contract with the above claimants is hereby rescinded, denied, revoked ab initio.

Any implied, presumed, assumed general or special and/or exclusive or executive power of attorney under which and/or with which the claimants have acted and/or are acting and intend to act as by and/or for [FIRST NAME FAMILY NAME] is hereby rescinded, denied, revoked ab initio.

Any implied, presumed or assumed rights of usufruct under which and/or with which the claimants have acted and/or are acting and/or intend to act is hereby rescinded, denied, revoked ab initio.

The claimants have committed acts of fraud by false representation in direct contravention of The Fraud Act 2006 sections (1) through (5) and The Misrepresentation Act 1967 sections (1) through (3) and it is now for a director and/or executive of the claimants to prove otherwise by way of Statutory Declaration deposed under penalty of perjury.

At no time have i consented to the proceeding of a private arbitration court and/or tribunal and any assertion to the contrary is denied ab initio placing the burden of proof upon the claimants.

The Bill of Rights 1689 clearly states that:

'All grants and promises of fines and forfeitures of particular persons before conviction are illegal and void'

It is my understanding and belief that the Bill of Rights is a constitutional Statute and cannot be repealed impliedly. The Claimant has no lawful authority to demand money for allegations which have not been dealt with by a Court of Law.

And i make this solemn declaration conscientiously believing the same to be true, and by virtue of the provisions of the Statutory Declarations Act 1835"

Print that out & take to your local commissioner of oaths

https://www.thefreedictionary.com/district+court

Depose the declaration for £5.

Get the commissioner to make a few certified copies for you for £2 each.

Keep hold of the original, but post one of the copies to each of the parties involved

and post a copy to your local Magistrates Court for good measure.

You can even charge them for wasting your time as per my notice writing page.

Maxim/Principle of Law:

Law is Contract and as Theresa May said on live TV, 'we rule by consent in this country'. So if you don't consent to a contract then there isn't one.

Always restrict your signature with

'Strictly no rights of usufruct

NON NEGOTIABLE'

Applying For A Credit Card

When applying for a credit card, there are sone factors that can affect whether your application is successful or not, depending on the card you are apllying for. For example, I think Vanquis accepts just about anyone successfully, as does Mastercard, wheras other cards might be harder to get. This is where how you will out the application form becomes important, paying attention to certain details which might or might not be red flags, or depending on your answer, make  the difference between your application being turned down or not. Some things the credit card companies look out for are, if you are retired or self employed, both being less desirable than being employed or being a business owner, so it might be better, rather than putting self employed to put in the name of your business in there as who you work for, or if you do various different jobs as self employed work, maybe put one of the job titles in there. 
When it comes to the amoubt of income, you don't wanna put an amount that is too low nor too high, so if your income is pretty low, it might possibly be better to put household income on there, or even projected income. So that's just a couple of things which may help a credit card application be successful, although nothing is guaranteed of course. But if all else fails, remember Vanquis, lol.

Utility Bill Documents

The following documents are the supplementary ones used with the 3 notices already shared on this page along with the Notice of Fiduciary Appointment, and are the ones I used for my utility bill, as outlined on the following page:
https://Law-5.webnode.com/utilities

Notice of Removal of Implied Right of Access

Section 123 of the Consumer Credit Act

Rights of Entry Act 1954

I also included an excerpt from the Stamp Act 1891, like i say, the full act can be found here:
https://www.legislation.gov.uk/ukpga/Vict/54-55/39/contents

and other relevant links are here, which can also be included, but i didn't want to send too much personally, so I didn't actually send everything:

Stamp Act 1891:
https://www.legislation.gov.uk/ukpga/Vict/54-55/39/contents

Stamp Duty: https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/752095/Stamp-duty-and-SDRT-listed-securities-and-connected-persons.pdf

Bills of Exchange Act 1882:

https://www.legislation.gov.uk/ukpga/1882/61/pdfs/ukpga_18820061_en.pdf

Gas Act 1986:

https://www.legislation.gov.uk/ukpga/1986/44/data.pdf

Consumer Credit Act Section 123 (5)

Gas And Electricity Boards Act 1954:

https://www.legislation.gov.uk/ukpga/Eliz2/2-3/21/enacted

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