Personal Finance

It is a shocking fact of life that 99.99% of the general public, when asked what money is, are totally perplexed by what is such a simple question. The subject of money is not taught in any of the system’s indoctrination centres, otherwise known as schools, colleges and universities. Those who control and manipulate the world’s financial systems do not want an educated public. 

Millions believe they are in debt to credit card agents, store card agents, student finance companies, buy now pay later schemes, personal loan agencies and so forth, when nothing could be further from the truth. None of these financial products are debt. To the 99.99% this statement may seem like insanity, but in an insane world, it is the sane that appear insane.   

If these products are indeed debt, they would be enforceable at law in County Court. To the uninformed they certainly may appear to be enforceable. However, such misplaced belief is quickly dissipated when any claim for a purported debt in County Court fails when rebutted by a student’s defence bundle. Agents have no chose in action, they have no claim, there is quite simply, no debt.  

By attending our webinars, studying the thousands of technical posts on our Facebook group, booking private mentorship or booking on a Debt Less education course, the light shall appear and the deceit being endured will fall away. Contact us to order your product after first joining our online community and Facebook group for free help and support, you are not alone. 

Information centre

Credit cards are not debt, they are credit. No credit card agent may enforce a purported debt at law in County Court. The agent simply has no chose. 

Debt Less students have a track record of resounding success when dealing with credit card providers, and any subsequent agent they may appoint or assign. 

The correct way, the way the system was designed to operate, was the beneficiary to the account would simply cash the giro attached to the bottom of a statement. When signed and dated these instruments ought to be treated as cash, in exactly the same manner as a credit agreement is treated as cash. 

Of course no employee, no barrister, no solicitor or Judge comprehends how these instruments are designed to operate by default.  

DCA routinely claim they have ‘bought credit card debt’ which is absolute nonsense. Such vexatious and meritless claims in County Court are easily dispensed with. 

No student is indebted to a bank or student finance company, equally no student comprehends how Banking works, no matter the number of gold stars they have achieved at school. 

No student finance company loans ‘money’ to students, yet each student believes they have borrowed ‘money’ which needs to be repaid with interest when they begin to earn enough ‘money’.  

The truth is simply the agent has monetised and securitised the note, the deposit being recorded as a cash transaction for the benefit of the beneficiary. 

There is no loan, the deposit is simply purported as a loan, when the ‘Student Loans Company’ has indeed loaned nothing.  

This deceit and sleight of hand may be exposed by a forensic audit which exposes the involvement of other government agencies in this racket. 

No bank extends loans, whether personal or business. The bank simply acts as an agent to security consortium and cashes the note deposited by the settlor for the benefit of the borrower. 

All repayments are recoverable at 8% compound interest. Restitution is available through various means dependent upon how repayments were made. 

Please provide details for the purported loan to receive directions upon the relevant training materials. 

Store cards are treated in the same manner as credit cards.

Again where a credit agreement has been deposited, this agreement is monetised and treated as cash by the agent and trustee. There is no debt. 

Litigation is a complex matter and we strive to produce the best paperwork for our clients. However, it is the responsibility of the litigant to case manage, to keep on top of any hearings and court correspondence.

We encourage clients to be responsible and ensure the case is being handled correctly. 

Case management is a reserved legal activity and not undertaken by Debt Less LLC. 

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