I came across three interesting posts/articles in the past couple of weeks that I think everyone should be aware of, … especially if you’re faced with the dilemma of paying the mortgage or feeding your family.
Here’s the simple (temporary) solution to keeping your home if the choice between keeping it and feeding your family becomes apparent.
I would imagine the same applies to ANY contract based debt!!
Offer to (bank) by (person) to now operate on account 123456 €?0.00 effected monthly as satisfaction on all account demands/obligations.
Rear of paper …. written at an angle across the page OFFICIAL OFFER
Attach Cheque made payable to (BANK)
If you get no response then the offer has been accepted … so the cheques keep going in to effect performance on the contract.
If a response comes … Look at it very carefully ! ! ! … This is where they may try to shift the attention away from the offer …. in an attempt to get their offer in place … If responded to carefully this cannot happen …
Go check the 7 elements of contract .. pay particular attention to acceptance ….
Simple Solutions for Mortgage/Debt Arrears; the “Official Offer”
Vin goes into more detail in this podcast “17/07/2011 Official Offer” at the bottom of the page: http://www.tnsradio.com/vins-pods.html
17/07/2011 Official Offer:
An offer that cannot be refused ! ? … you decide
Vin & He said it was Brasso 02-11-2011:
Vin & He said it was Brasso having a chat about some aspects of the Official Offer …
The purpose for this post is to simplify access to the information for People unfamiliar with the process of dealing with Debt arrears. This is the precursor to the ‘official offer’. There is no real need to write or ask the Bank to accept your offer so to speak. You only need to act.
Many People have been asking by e mail fone and text etc.how and where to access this essential information. So I did this on the recommendation from a friend of mine in the ‘People’ Business so to speak. So he suggested that People need to be shown simple steps rather than trolling through buckets of information that takes too much time to assimilate,digest and impliment.
HERE IT IS.
1. MORTGAGE IS A FORM OF CONTRACT.
2. LAW IS MAINLY ABOUT CONTRACT.
3. PERFORMANCE ON THE CONTRACT.
4. INTENT TO PERFORM ON CONTRACT.
OK. SAY YOU GOT REPAYMENTS OF SAY €1,000 PER MONTH.
YOU CAN ONLY AFFORD TO PAY, SAY €200 PER MONTH.
WHAT DO YOU DO?
STEP 1. DON’T PANIC. VITAL. (DON’T ADD TO THE STATISTICS,OK).
STEP 2. DON’T , NOT PAY ANYTHING. KEEP PAYMENTS CURRENT (WHEN POSSIBLE).
IT DON’T MATTER HOW MUCH.
STEP 3. REMEMBER, IT’S YOUR INTENT, TO PERFORM ON THE CONTRACT THAT
MATTERS… THAT’S ALL. INTENT.
STEP 4. SEND THE BANK €50 EVERY WEEK RATHER THAT €200 EVERY MONTH.
(YOU HAVE NOW PERFORMED ON THE CONTRACT OVER AND ABOVE).
STEP 5. STOP WORRYING – FEED YOUR FAMILY.
A LEGAL DETERMINATION AGAINST THE HOME IS NEXT TO IMPOSSIBLE, WHEN
PERFORMANCE ON INTENT TO MAKE RESTITUTION HAS ACTUALLY INCREASED.
The most effective way to lodge the amount over the counter in the Bank.Keep lodgement slip.
If you choose by cheque, always write the a/ccount number on the back.
I don’t know a lot about this except what’s written below.
To all those with ongoing mortgage issues. We will be bringing a Representative Complaint to the FSA for an on behalf of every mortgagor without a s2 compliant mortgage contract within the next seven days. If you are inclined to join your proceedings to the action, which would naturally give rise to statutory right to have any court action by the mortgagee stayed or suspended, pending the FSA’s investigation of the complaint, please email your contact and mortgage bandit details to email@example.com. This will be closely followed by arbitration proceedings.
Simply email info …
Subject: FSA & “regulated mortgage contract”
Mortagee Company: MORTunconscionabLTD
Mortgage CONTRACT a/c no: 0123456789
Mortgagor: Mr & Mrs Hoodwinked
… and if there is a court action add this …
England or Wales County Court: Homingham
County Court case no: XYZ123
Here’s an interesting court case going on in South Africa with the potential to bring the real mechanics of the banking industry out into the open.
Summery judgement is postponed until February 2012 which in itself is unusual considering the arguments used.
Audio of court hearing: http://www.jojou.cc/downloads/tellinger.mp3
It’s 2 hours long but well worth taking the time to listen.
STD Bank VS Tellinger & Cundill
Tuesday, 2nd August 2011
In Support Of The Free-man Movement – My close friend Scott Cundill and I have been actively involved in researching the operations of the banking industry in South Africa for well over a year now.
By some stroke of mystery we both find ourselves at the centre of High Court proceedings against Standard Bank South Africa.
Please read Scott’s message below and respond if you want to help usher in a FREE Society. The outline of my personal case is below.
At 12pm this coming Wednesday the 3rd of August until 4pm on Thursday the 4th, Members of a non-profit organisation called The New Economic Rights Association will take an important vote.If successful, this will grant its Chairman, Scott Cundill, authorisation to lodge a formal complaint to the banking ombudsman.
This is in relation to several complaints that the office of the NewERA has received in respect of banks’ non-disclosure of their loan activities. If you are not yet a Member of the NewERA, please join by visiting http://www.newera.org.za/ as they need your support.
STD Bank South Africa VS Michael Tellinger – in support of the Free-man Movement.
29 July 2011
In November 2010 I started a series of communication with Standard Bank of South Africa Limited. It has been an interesting twist of events and after 3 un-rebutted and unanswered affidavits from me to the bank, instead of simply answering a few questions, they eventually took action against me with an application for Summary Judgement.
I responded with a motion to defend and after 3 months of waiting to go to court, I finally appeared in my defence against STD bank on Friday 29th July 2011.
I took the stance that the Bills of Exchange Act should be applicable to all and that I should have the same rights to apply it, the same way that the bank does.
I claim that I settled the full amount with a Liquid Negotiable Instrument as specified in the Bills of Exchange Act and therefore the matter is closed and the bank should honour my mortgage payment.
This was the first time in SA that any such motion has NOT been thrown out by the judge. All previous cases have either been thrown out or have simply disappeared off the court records.
I was also the first Layperson to defend himself against the bank and a team of the most experienced and highest paid lawyers money can buy, in the Johannesburg Supreme Court of South Africa.
The fascinating thing is that the lawyers from Deneys Reitz attorneys told the judge it was an open and shut case and would not last more than 15 minutes. After a 2,5 hour argument the judge broke for an hour. When we got back, we all expected a judgement and I was quite prepared to face the usual negative outcome – WELL, this did not happen.
Judge Van Oosten, was clearly intrigued by the arguments and said he could not rule on the case and needed to THINK about it.
We expect the judgement to be delivered by Friday this week – BUT the most crucial part of this story is that I did not ask for a settlement by the bank – I changed my desired remedy to be that we take this matter to TRIAL so that we can call in expert witnesses and be allowed to cross examine bankers so that everyone can learn about their fraudulent activity.
I also specified that I want the judge to afford me my constitutional right to a fair trial, according to the Bill of Rights.
If we go to trial, we will have a perfect platform to expose the monumental fraud committed by the banks by stealing our money and claiming it as theirs, in every loan we make especially mortgage bond home loans. This will be a perfect platform to usher in UBUNTU-Contributionism and a money-free society with abundance for all.