Part 2 At 10:00 he says 'We are being ripped off wholesale' 'What we are doing (our work) is trying to not be ripped off''. 12:00 we are doing harm to people just by working. I also try to work where I am not hurting anyone. My current 'job' is cleaning the hotels rooms. I try to give quality work & use spring water with a few drops of lavender oil & Himalayan sole. Here's part 1
Part 1 Three Sections
1. What they're doing 2. How we can withhold our money from the utility companies. 3. Why we should be doing it.
Problem reaction solution - A problem is caused then they blame somebody else. Public reacts wanting a solution and then government supply the solutions. The resources are already ours via utility companies. Banks own the utilities & interests. Analogy; We have a lemon tree - resources. Someone asks for them and makes lemon juice & sells it back for all profit. UK is bankrupt since 1600's. America call theirs 'chapter 11 bankruptcy. Company is allowed to continue trading for the benefit of the creditors. In a bankruptcy there's a rule that says 'he who brings the liability must also bring the remedy. If I owe you 10 pound and there's no money I've got to be able to pay you with something, so you've got to come with a way for me to pay you. So what they do is they provide you with the remedy, but don't tell you about it. Electricity bill - top part is the statement, the bottom part is what is known as the remittance slip.
What is a bill? Bill of exchange Act 1882 3.(1) A bill of exchange is an unconditional order in writing addressed by one person to another, signed by the person giving it requiring the person to whom it is addressed to pay on demand or at a fixed or determinable future time a sum certain in money to or to the order of a specified person or to bearer. ~ Basically saying it's got to be signed and amount on it and a date.
2, An instrument which does not comply with these conditions or which orders any set to be done in addition to the payment of money is not a bill of exchange. So if a bill of exchange doesn't have those elements then it is not a bill of exchange.
The bill - it is not signed by anyone so it's not a bill of exchange - its a forgulant bill. Remittance - Legal dictionary - money sent by one person to another, either in specie, bill of exchange, cheque or otherwise. So a remittance is actually money. And that kinda looks like a cheque. That's because it is a cheque. But when they send it to you it's not valid because it's not filled in. Hasn't got the amount written, not signed by anyone & not dated. So when they send it to you it's not a valid remittance or type of money. But when you fill it in & send it back it becomes a valid specie of money. But they don't tell you about that - What they do when you send your cheque in with the remittance hey take the remittance and apply that against your bill - they zero your bill with the remittance. They take your cheque to the administration people - so they are double dipping. This is why double dipping - profits - make a massive profit in the first quarter & second quarter they're raising their prices. How can they make so much profit? When we owned utilities i went back into it - in this case it's all being creamed off. Q. What if you pay by direct debit, you're not actually signing anything? They lose out in that way but they are ensured they are going to get the money off you - It is attractive for them to reach into your account when ever they need to - you can't pay late which they don't like. All utilities. Phones are not really a utility. Water, sewerage, gas..... Council tax is another issue.....
Part 2 How do we do this? Step one When you get your bill..... Take the money that you would normally use to pay the bill and put it into a separate account or store it somewhere safe - So you can have no fear while doing this because you've always got the money there. We're all under pressure - robbing Peter to pay Paul. Keep the bill together, normally they ask you to cut off the remittance and send that back. Step two Complete the remittance part as if it were a cheque. 1. Do not detach the remittance slip 2. Write the amount in words and numbers 3. Sign it & date it. The person it goes to is already filled in at the top. Step three Turn the bill over & endorse it 1. Sign it 2. Date it 3. Write your address Step four 1. Write instructions to the chief accountant above the remittance slip 2. Make and retain a copy 3. Address the envelope to the Chief accountant or C.F.O and send recorded delivery ~ Attention Chief accountant, Reset account to zero In accordance with the bill of exchange act 1882. Bod at desk will not have what that means. The Chief accountant does know. Send it recorded delivery so you know they get it. Several days latter you'll get a letter back~ 'Thank you for your letter regarding your electricity account. Your account currently has an outstanding balance of $184.11 which is due in full. At the moment we have not received any payment towards your electricity usage. We have received a completed giro slip from your dated 28 March 2011, but this does not constitute payment. A giro slip can be used either if you are posting a cheque to us or pay over the counter at your back but neither of these appear to have been done. Unfortunately we have not received any correspondence from you dated 19 April 2011. If the remittance was paid by cheque please can you check whether this has been cashed. If it has not been cashed you will need to cancel the cheque and resend the payment. If you paid by cheque and the has been cashed of by any other method please can you provide the details of the payment including the sort code and account number we should have received the payment from. If you have any further queries please feel free to call us.....' So send them a copy of what you sent them.
So what did they do with that response? They said 'You didn't pay us' that's all. That is quite correct. They haven't been paid. There is no money so you can't ever pay. Because we're in a bankruptcy - there;s no money to pay with. They are basically asking you for more money - it's just an offer. They are just offering you to send more money please. What didn't they do? They didn't return the remittance. They've actually accepted your offer to effect payment. There's a rule in contract law to do with offering & acceptance. 'If the offerer proffers property or services and the offeree having a reasonable opportunity to return or refuse, exercises any ownership or rights over the property or keeps the benefits of any services then the offer is accepted. Acceptance 'An agreement either by express at or implication by conduct to the terms of an offer so that a binding contract is formed.' So why didn't they send the remittance back? Because it's a cheque. What do they do with a cheque? They've cashed it so they don't have it any more. It's gone through the system. They use it, bank it, they know how to monetize it. So this is how you deal with it - Apologise and offer to correct it. Dear Sir Thank you for your letter dated 21/12/2011. It appears that I have made an honest mistake. Please forgive me, I was under he impression that my remittance dated 01/12/2012 was accepted and the matter settled. I am happy to effect payment by some other means on the condition that you return my remittance immediately. Please return my remittance within 14 days (Fourteen) and I will send payment by return of post. If you fail to return the remittance within the specified time then it will be deemed the remittance has been accepted and the account has been settled. Yours faithfully..... What they do next apart from intimidating you with nasty letters is they can sell your debt to a collection agency.
Dealing with collections agencies 1. Don't panic 2. They are a third party interloper with whom you have no contract. 3. They have no power over you unless you give it to them 4. They bought your debt, which means that it's been paid off. 5. Have fun dealing with them. These guys operate on that you don't like people coming to your door 'We want paying' and you get that horrible thing..... They rely on that. They are just a third party who have nothing to do with you who are interfering with your affairs. Absolutely now power over you until you give it to them. One of their tricks is to say 'You just have to give us one pound a month' And if you do you've admitted that you owe them. So they can come after you for the full amount. That's an implied contract through your conducts. They've bought your debt they're paid your debt off so you owe nothing now. Meaty part of letter to debt collection agencies; 'As you are a third party intervener in this matter acting without authority. I DO NOT give you permission to interfere in my commercial affairs as you have no legal standing. I do not have a contract with you and any permission that you believe you may have from me is hereby withdrawn. If you believe that you have power of attorny to act on my behalf you are hereby fired and any consent that you believe you may have tacit or otherwise, is hereby withdrawn. I am familiar with the terms of Section 40 of the Administration of Justice Act 1970 and the Protection from harassments Act 1997. And I believe should you continue in contacting me after my request for you to cease your activity, then you will be guilty of harassment and blackmail, and you will be in breach of these Acts and you will be reported to the relevant bodies. I am well aware of section 40 subsection (3) which you may consider entitles you to proceed- However upon full commercial liability and penalty of peruyry you will need to supply the following Proofs of Claim: 1. Proof of Claim tha your actions are reasonable. 2. Proof of Claim that any obligation on my part is due, or believed by you to be due to you, and not to some other party. 3. Proof of Claim that any obligation on my part is to yourself by providing sight of the appropriate contract, or.....
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