01. Intro

The information here is my own experience and research, which has so far enabled me to legally clear £19,852 of bank and credit card debt without paying them a penny. The information here is up to the minute and I’m currently working on another £25,723.88 with various creditors. Details will be posted here as they happen. What I’m doing works like clockwork. Like any bully, these companies only need to be faced down and they crumble. I show them no mercy.

I am giving you the benefit of my experience to get you out of the iron claws of collection agencies if you have bank loan, or credit card debt.

Please Note: This site is for those already in trouble with their bank or credit card company. Also, although my methods are proven to work in the UK, I am dealing with broad principles of law that apply universally and there is no reason why they should not work in any country whose law is based on English law. This is not about exploiting some local loophole – banks have the same disregard for the law wherever they operate.

I intend to show you that my methods work and give you the confidence to let me help you get money back from the original lenders and clear any adverse credit record. My methods work and I show the proof. I go for the throat. You will be amazed how easy it is to get rid of the phone calls and threatening letters, stop paying out and get your life back.

Before I get into this report, let’s be clear what it’s about. It’s about giving you back the self-respect you deserve. It’s about getting rid of the fear, guilt and stigma that comes with the normal perception of debt. It’s about clearing the pressure of debt hanging over your head – and getting rid of it forever without paying them a penny.

You also need to be aware that this is not a method to repair your credit rating – that comes later. If you are already in the hands of collection agencies, the damage has already been done. Once the collection agencies are off your back, I may be able to help restore your credit score – and even get money back from the lender, but you need to get them off your back first.

In my view we’d all be better off without consumer credit – why pay twice for what you need rather than wait until you can afford it? It’s only the pressure of advertisers that makes us think we need things right now and that we must use credit to get them. My money goes a lot further since I stopped using credit cards. I now use debit cards for everything – just as convenient and I don’t spend more than I’ve got.

Having said that, my credit record is now completely clear, having been dire for years. I get the lenders to admit their contracts are invalid. After that I point out that reporting negative remarks to a credit reference agency is libel – it seems to have an effect!

Fear and guilt is what the banks, credit card companies and especially the collection agencies rely on to conduct their dirty business. They need to make you feel you’re in the wrong so they can put pressure on you.

This is not about cheating honest businesses out of their money, but I don’t regard banks, credit card companies and collection agencies as anything remotely like an honest business. Their greedy and dishonest practices brought the world economy to its knees in 2008/9. (See ‘The Morals of Credit Card Debt Elimination‘). Then you and I were forced to bail them out, leaving a debt to be shouldered by us, our children and probably our grand-children. Soon after the crash we find that the banks are reporting record profits and the enormous bonuses, that helped to cause the problems in the first place, were still being paid out. Solve the problem with more of the same – brilliant. Meanwhile real industries, businesses and individuals are in trouble because of the banks’ actions.

I show you how, using the laws that govern their business, it is possible to legally discharge any bank loan or credit card debt without paying them a penny.

The first part of this whole problem is the lender. Whether that is a bank, a credit card company or a mortgage company, we all assume that what they do is legal, but a number of recent court cases have brought that into question.

The second culprit is the collection agency. If your ‘debt’ problem has got as far as these vultures, you may have started to feel the pressure. Don’t worry – I eat them for breakfast!

I don’t know about you, but I can’t stand collection agencies. They are the worst parasites on this planet – the scum of the earth. They buy debts from banks and credit card companies who don’t want the publicity of taking you to court. They pay between 1% and 20% of the value of the debt and then expect to collect the whole amount – up to 99% profit makes them act like rabid dogs.

If they can’t collect from you, they simply put you on another list, to sell on to another collection agency further down the food chain. Because this one knows that these are pretty poor quality debts, they will try even harder, be even more threatening and have even less regard for the law. Nothing gives me more pleasure than getting the better of them.

The industry is backed by the government, so don’t expect the odds to be stacked in your favour. This report shows you why you have no need to feel guilty and why the industry should hang its head in shame. It shows you:

* How to stop the phone calls.

* How to stop the threatening letters.

* How to beat them hands down, using the very system they use against you.

* Why you should not follow the advice of so-called ‘debt counsellors’.

* The inside information that will strike fear into any collection agency.

* How to stop the whole process in its tracks.

* How to do this all completely legally and without paying them anything.

I’m going to walk you through exactly what to do to get the pressure off and how to turn the tables so no collection agency will ever want to contact you ever again.

I speak as someone who has been at the receiving end of some of the industry’s worst practices. I think that the way the whole industry works is immoral, dishonest and should not be legal. As long as it is legal for these snakes to ply their trade at your expense, you need to be equipped to deal with them. You need to know your rights so that the playing field becomes a little more level. Most importantly, you need to know how this dirty industry works and you need to know how to legally get the better of them.

Important: I am not a financial advisor and none of the information on this site is to be taken as financial advice. The information here is my own experience, presented for educational and interest purposes only.

Find out how the banks ‘legally’ steal your money.

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