The "Official Offer" Letter To Banks

vixdname

Was just wondering if anyone else on here have heard of or used whats called the "Official Offer" method of dealing with financial debt with banks etc.

Theres a Facebook page dedicated to it and various website sharing the information on the web aswell.

Its basically, if you're in debt and cant afford to pay back your mortgage for whatever reason, you write a letter to the bank (Template of letter below) and basically offer to pay them whatever miniscule amount you are willing to give them.
You pay them via cheque, postal order or with cash over the counter and supposedly the banks have to accept it.
I dont fully understand the legalitys of it all but it sounds interesting.

You can look it up on youtube aswell and one of the founding members of this method explains in simple terms how this works.

Have any of you heard of or tried this and if so how did ye get on ???

TEMPLATE:

Official Offer

Offer to (bank) by (person) to now operate on account 123456 £?0.00 effected monthly as satisfaction on all account demands/obligations.

(Signed By:Person)

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 ....

Birneybau

Sounds like Freeman sh!te

Jimoslimos

Facebook page dedicated to it......hmmmm

Fair enough, seems legit.

muletide

I know another scheme, might even dedicate a Facebook page to it,

I like to call it "Pay back what you ****in borrowed"

Catchy ??

hatrickpatrick

Sounds like that "lodge a tiny bit each week" method you see on posters - I've never seen a definitive answer as to whether this actually works or not though?

ScumLord

vixdname wrote: »

written at an angle across the page OFFICIAL OFFER

Yup, that should do it.

vixdname

Jimoslimos wrote: »

Facebook page dedicated to it......hmmmm

Fair enough, seems legit.

Theres plenty of Facebook pages dedicated to authentic issues etc, the fact that this has a Facebook page doesnt take away from its potential to be legitimate, most businesses and public groups large and small have FB pages, its a great way of going public, but thanks for your prompt informative reply

vixdname

muletide wrote: »

I know another scheme, might even dedicate a Facebook page to it,

I like to call it "Pay back what you ****in borrowed"

Catchy ??

Unfortunately, theres lots of people that took out loans that they cannot now service due to redundancy etc, how do YOU propose they "Pay back what they ****in borrowed" ?

Well ????

My name is URL

vixdname wrote: »

Its basically, if you're in debt and cant afford to pay back your mortgage for whatever reason, you write a letter to the bank (Template of letter below) and basically offer to pay them whatever miniscule amount you are willing to give them.

If you can't afford to pay back a loan according to the terms which you agreed to pay it back, but are still prepared to pay what you can afford, then most banks would be willing to come to some agreement with you anyway. There's no need to employ the lunacy of the Freeman movement along the way.

padd b1975

I don't consent to this thread.

muletide

vixdname wrote: »

Unfortunately, theres lots of people that took out loans that they cannot now service due to redundancy etc, how do YOU propose they "Pay back what they ****in borrowed" ?

Well ????

Sell the asset they borrowed to purchase.
Extend the loan term .
Cut back on living expenses.
Get a 2nd job.
Learn to read contracts before signing

There's 5 off the top of my head.

The Backwards Man

It works, you have to refer to the Bank Manager as 'Admiral' and the bank as the 'Ship'

MAN OVERBOARD!!

Sh1tbag OToole

muletide wrote: »

Get a 2nd job.

This isn't America.

vixdname

muletide wrote: »

Sell the asset they borrowed to purchase.
Extend the loan term .
Cut back on living expenses.
Get a 2nd job.
Learn to read contracts before signing

There's 5 off the top of my head.

Sell the asset they borrowed to purchase - Great Idea, sure the housing market is booming at the moment, they'd have no problem selling their house in the current climate :rolleyes:

Extend the loan term - And pay the new amount with what exactly and also feed themselves and their family for the week.
I also doubt any bank would be willing to accept €5 pw

Cut back on living expenses - On €200 pw to keep a family along with electricity, gas etc, where would you propose someone like that could possibly cut back on their living expenses ??? - Perhaps cutting out the Moet champagne they put on their Cornflakes every morning would be a good first step.

Get a 2nd job - Are you taking the piss, a 2nd job ??? 1000s of people around the country have been made redundant over the last few years with plenty of them looking for any type of work to tide them over but with very few jobs out there it isnt always possible to get 1 job never mind a 2nd

Learn to read contracts before signing - Now thats just plain stupid, most people dont enter into a mortgage contract with the intention of not paying sometime down the road.
Anyone who gets a mortgage is made all to well aware of the risks involved if you dont pay back your mortgage, the banks make sure of that, so telling people to learn to read contracts is ridiculous, most people know exactly what theyre signing for and unfortunately none of them can foresee the future where unforeseen financial issues can come about and leave them in a vulnerable position

There's 5 off the top of my head - Maybe you should start off at the bottom of your head next time, you might get better ideas

Lastly, do you work for a bank because you're "Solutions" above sound like something that out of touch, unrealistic bankers would come up with

NuckingFacker

Or, bank wants amount €x. You only have amount €y(<x). They ask for €x you offer €y(<x). They shout a lot. You calmly offer €y(<x) again and shrug resignedly. Bank grudgingly accepts amount €y(<x) and regards you as a bit of a bollix. You decide you can live with their opinion. Everyone lives happily ever after. This appears to be the way all the rich people I know handle it. *

*may not work if you are not; a. Rich and b. a bit of a bollix..

Tangatagamadda Chaddabinga Bonga Bungo

Sh1tbag OToole wrote: »

This isn't America.

UCDVet

Let's make this easier to think about.

Let's say you lent me 2,000 euro so I could buy a car. I promised to pay you back, but I've stopped making payments to you.

Now I call you up and say, 'Hey buddy, how about, instead of giving you the other 1,600 I owe you - I give you 500.'

Same deal.

dotsman

OP, if you want to get your financial and legal advice from a freeman on Facebook, you're free to do so. Just don't come crying to us when you're cell-mate wants to snuggle up to you late at night...

If you can't afford your repayments, then talk to you bank. If that doesn't work, then talk to you bank. If you are still having trouble, then talk to your bank.

If you are still not getting anywhere, you can simply use the Personal Insolvency process. It's the same as the freeman method you saw on Facebook, except it's legal/official. The downside is that you will have to be honest.

shruikan2553

Seeing as people can get away with paying nothing for months I dont see why this wouldnt work.

Fr_Dougal

vixdname wrote: »

Was just wondering if anyone else on here have heard of or used whats called the "Official Offer" method of dealing with financial debt with banks etc.

Theres a Facebook page dedicated to it and various website sharing the information on the web aswell.

Its basically, if you're in debt and cant afford to pay back your mortgage for whatever reason, you write a letter to the bank (Template of letter below) and basically offer to pay them whatever miniscule amount you are willing to give them.
You pay them via cheque, postal order or with cash over the counter and supposedly the banks have to accept it.
I dont fully understand the legalitys of it all but it sounds interesting.

You can look it up on youtube aswell and one of the founding members of this method explains in simple terms how this works.

Have any of you heard of or tried this and if so how did ye get on ???

TEMPLATE:

Official Offer

Offer to (bank) by (person) to now operate on account 123456 £?0.00 effected monthly as satisfaction on all account demands/obligations.

(Signed By:Person)

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 ....

It's been a while since I've read a post with so much bullsh1t...

vixdname

dotsman wrote: »

OP, if you want to get your financial and legal advice from a freeman on Facebook, you're free to do so. Just don't come crying to us when you're cell-mate wants to snuggle up to you late at night...

If you can't afford your repayments, then talk to you bank. If that doesn't work, then talk to you bank. If you are still having trouble, then talk to your bank.

If you are still not getting anywhere, you can simply use the Personal Insolvency process. It's the same as the freeman method you saw on Facebook, except it's legal/official. The downside is that you will have to be honest.

Dotsman, the thread isnt about MY finances whatsoever, any of the scenarios are purely hypothetical and are used to try and convey situations many unfortunate people in this country are finding themselves in.
Its me after seeing the FB page about the official offer and finding it frankly bizarre that this type of action against a bank is LEGAL and simply asking if anyone on here had heard about it themselves, had anyone actually tried it and if so, how did it turn out for them.
In future you shouldnt presume you know any ones situation simply from a post unless they state its directly about them

vixdname

Fr_Dougal wrote: »

It's been a while since I've read a post with so much bullsh1t...

Really ? Do you not re- read your own posts after you put them up ?

oppenheimer1

If only Big of the family Ins was still around here....

nlgbbbblth

Assume you have a contract (loan agreement) and you subsequently default on that agreement.

The new arrangement must be mutually agreed [by bank and you]. Throwing whatever amount you feel like may be taken by the bank in reduction of your loan. However that doesn't mean there's an new agreement in place.

oppenheimer1

vixdname wrote: »

Really ? Do you not re- read your own posts after you put them up ?

oooh BURN!

dotsman

vixdname wrote: »

Dotsman, the thread isnt about MY finances whatsoever, any of the scenarios are purely hypothetical and are used to try and convey situations many unfortunate people in this country are finding themselves in.
Its me after seeing the FB page about the official offer and finding it frankly bizarre that this type of action against a bank is LEGAL and simply asking if anyone on here had heard about it themselves, had anyone actually tried it and if so, how did it turn out for them.
In future you shouldnt presume you know any ones situation simply from a post unless they state its directly about them

You will, of course, have noticed that all 3 paragraphs start with an "If".

The fact that you decided this Freeman BS was worthy of a discussion, admit you're confused about it and asked for people's opinions, I'm confused as to why you are getting so defensive and aggressive about people's replies when they try to clarify things.

vixdname

dotsman wrote: »

You will, of course, have noticed that all 3 paragraphs start with an "If".

The fact that you decided this Freeman BS was worthy of a discussion, admit you're confused about it and asked for people's opinions, I'm confused as to why you are getting so defensive and aggressive about people's replies when they try to clarify things.

You will, of course, have noticed that all 3 paragraphs start with an "If".

Yes, and I also notice that in all 3 paragraphs your "IF" is followed by the word "YOU", hence I presume you're talking about "ME"

The fact that you decided this Freeman BS was worthy of a discussion, admit you're confused about it and asked for people's opinions, I'm confused as to why you are getting so defensive and aggressive about people's replies when they try to clarify things

Up to this thread, I'd never even heard of the "Freemen", I just saw the FB page entitled "The Official Offer", no where on the page did it say it was anything to do with these "Freemen" people, but I will look them up more and see what they're about.

Lastly, as for you taking my last post as being "Aggressive" or "Defensive", I apologise, it wasnt meant to be either but I'd suggest you harden up a bit as After Hours can be a bit course at times and I wouldnt like to see you getting upset

Courtesy Flush

muletide wrote: »

I know another scheme, might even dedicate a Facebook page to it,

I like to call it "Pay back what you ****in borrowed"

Catchy ??

But what if someone lost their job due to the economic downturn and cannot afford to pay back what they owe?

cletus van damme

muletide wrote: »

Sell the asset they borrowed to purchase.
Extend the loan term .
Cut back on living expenses.
Get a 2nd job.
Learn to read contracts before signing

There's 5 off the top of my head.

i like your reasoning and I do agree with it in theory.

However I don't think somebody should have their lives ruined and carry on
an existence rather than a life because of a misguided purchase.
That's what it boils down too to be frank.

Banks made dodgy investments going in on these houses but somehow don't bear the brunt of the failure of the investment ( borrower unable to repay or property value collapsing)
There should be a happy medium and people should have some hope in the future rather than a depressing existence where their only enjoyment is 6 dutch gold on pay day.

dxhound2005

Courtesy Flush wrote: »

But what if someone lost their job due to the economic downturn and cannot afford to pay back what they owe?

Personal Insolvency process. Read post #18.

galwayrush

UCDVet wrote: »

Let's make this easier to think about.

Let's say you lent me 2,000 euro so I could buy a car. I promised to pay you back, but I've stopped making payments to you.

Now I call you up and say, 'Hey buddy, how about, instead of giving you the other 1,600 I owe you - I give you 500.'

Same deal.

That's the reality of many self employed people trying to collect their money, sometimes the offer is zero.
Sometimes we get 1-2 % of what we are owed because when a client / company goes bust, any assets they have go to the 'preferential debtors' i.e. Banks first, and if we're lucky there may be some scraps left.

MadsL

Sh1tbag OToole wrote: »

This isn't America.

Yeah, we have jingle mail and personal insolvency legislation here .

MadsL

I see the Legal Discussion thread on the same topic isn't going much better for you OP.

You can reduce the amount you (sorry, one) owe(s) the bank, unfortunately you have to negotiate a final amount to be paid in full. Sometimes banks will drop fees and charges to reduce the final amount owed and you can negotiate that figure.

This 'one weird trick' really is hocus-pocus and freeman sh*te I'm afraid.

Seachmall

vixdname wrote: »

Cut back on living expenses - On €200 pw to keep a family along with electricity, gas etc, where would you propose someone like that could possibly cut back on their living expenses ??? - Perhaps cutting out the Moet champagne they put on their Cornflakes every morning would be a good first step

You say that with a hint of sarcasm but if you're struggling to repay debts while using champagne in place of milk for your cereal you should absolutely remove the champagne from your shopping list.

It's that stupid mentality that has caused these problems in the first place, and now you expect the banks to readjust the terms YOU agreed to because of YOUR refusal to adapt to a changing economic climate.

It's people like you that get really under my skin. The arrogance and sense of entitlement reaking off of you is poignant.

If you can't afford overpriced bubbly stop using it to float your Cheerios!

MadsL

Seachmall wrote: »

You say that with a hint of sarcasm but if you're struggling to repay debts while using champagne in place of milk for your cereal you should absolutely remove the champagne from your shopping list.

It's that stupid mentality that has caused these problems in the first place, and now you expect the banks to readjust the terms YOU agreed to because of YOUR refusal to adapt to a changing economic climate.

It's people like you that get really under my skin. The arrogance and sense of entitlement reaking off of you is poignant.

If you can't afford overpriced bubbly stop using it to float your Cheerios!

Exactly. A hint OP - Aldi and Lidl both sell perfectly acceptable Cavas and other sparkling wines at much lower prices than that over-hyped French swill. Just really a Celtic Tiger throwback, get with the times. I used a perfectly nice Asti Spumante the other day on my Cheerios and it was just fine.

Potatoeman

The bank borrowed the money to lend out for the mortgage. They may not respond but if you are not paying your mortgage in full they can reposses. You might get away with it for a while but when the property increases in value or they are told by the ECB to clean up their mortgage book you might find yourself on the street.
The bank make their money from the interest made on properties. It would have neen the person you bought the property off that made the biggest profit. The more people that dont pay the more those that are paying will have to pay.
Look at it another way,how much of the profits made do people give to the bank?

Fr_Dougal

vixdname wrote: »

Really ? Do you not re- read your own posts after you put them up ?

Do you have any idea of contract law? :rolleyes:

Thought not.

Seachmall

MadsL wrote: »

Exactly. A hint OP - Aldi and Lidl both sell perfectly acceptable Cavas and other sparkling wines at much lower prices than that over-hyped French swill. Just really a Celtic Tiger throwback, get with the times. I used a perfectly nice Asti Spumante the other day on my Cheerios and it was just fine.

You could cut back even more.

When I want bubbly I just buy a cheap white wine and use a straw to blow bubbles in it.

dj jarvis

its nearly as persuasive, as a Nigerian prince looking to drop a few bob into your drinklink account

sweet deal bro !!

vixdname

Fr_Dougal wrote: »

Do you have any idea of contract law? :rolleyes:

Thought not.

No, hence my 1st post

Have you ever considered a career with Scotland Yard or the FBI, you' re so well clued in and sus things out so quickly

Seachmall

vixdname wrote: »

No, hence my 1st post

Have you ever considered a career with Scotland Yard or the FBI, you' re so well clued in and sus things out so quickly

I don't think you're qualified to be giving career advice, people study for years to become competent in that field and your assumption that you are somehow capable of providing sound advice without such rigorous study is contemptible and only underlines your aforementioned arrogance.

vixdname

Seachmall wrote: »

I don't think you're qualified to be giving career advice, people study for years to become competent in that field and your assumption that you are somehow capable of providing sound advice without such rigorous study is contemptible and only underlines your aforementioned arrogance.

Seachmall, have you actually read this thread in its entirety ??
If so, can you please show us all here where, even once where I have attempted to give ANY advise to ANYONE about ANYTHING ??

Seriously, please show us ???

It seems to me that somewhere in your obviously unbalanced little mind you have come to the conclusion that I am the type of person that believes people should be forgiven their debts and not face any consequences if they decide not to service those debts, when I in fact believe in the opposite and that was the reason that I originally started this thread as I couldn't believe what I was reading on the official offer page and simply wanted to find out if people were actually using this method against the banks, but if you read post #21 you'll see that I've already explained this.
Therefore your presumptuous, ignorant and self righteous comments above are they themselves contemptible and underline how completely wrong you are.

I, thank God, am in a decently paid career in the Pharma sector, a job I earned after doing my 5 year stint in college and getting my qualifications, I also realise that there are many people I went to college with just as equally qualified as I am who have lost their jobs in recent years and are now in the positions that I spoke about earlier on in the thread.
And its for that reason, after seeing how they are really struggling that it galls me to have idiots post "5 things off the top of their heads" that people should do to help their situation when the 5 things are complete and utter nonsense to the people affected and are obviously posted by someone who hasn't a clue what theyre talking about but have the arrogance to think that THEY have all the answers, hence the jibe about the champagne on their cornflakes,
These people have nothing, they barely have milk for the kids breakfast, hence the irony of the champagne on the cornflakes, a jibe that you Seachmall took literally due to you obviously being someone whos slow on the uptake.

So before you start accusing anyone of anything, like trying to give unqualified advise, which never once happened by the way, or accusing people of not wanting to pay off their debts, which I'm not guilty of you need to get your facts right because all you've succeeded in doing here tonight is show people that A.\ you obviously didn't read the entire thread, but only read a few bits and pieces and drew your incorrect conclusions from there B.\ You are a very slow witted individual who is incapable of differentiating between truth and irony and C.\ that youre a self righteous little individual who deserves nothing but contempt from those around you

MadsL

vixdname wrote: »

I, thank God, am in a decently paid career in the Pharma sector,

Here's a tip. By writing "No Blame" sideways across the back of the pharmacy receipts and adding "No Suing Us" in the small print, pharmaceutical manufacturers can avoid all cost associated with testing their products and the legal cost associated with people bringing suit when they spout an extra head.

General General

Seachmall wrote: »

vixdname wrote: »

No, hence my 1st post

Have you ever considered a career with Scotland Yard or the FBI, you' re so well clued in and sus things out so quickly

I don't think you're qualified to be giving career advice, people study for years to become competent in that field and your assumption that you are somehow capable of providing sound advice without such rigorous study is contemptible and only underlines your aforementioned arrogance.

vixdname wrote: »

Seachmall, have you actually read this thread in its entirety ??
If so, can you please show us all here where, even once where I have attempted to give ANY advise to ANYONE about ANYTHING ??

Seriously, please show us ???

It seems to me that somewhere in your obviously unbalanced little mind you have come to the conclusion that I am the type of person that believes people should be forgiven their debts and not face any consequences if they decide not to service those debts, when I in fact believe in the opposite and that was the reason that I originally started this thread as I couldn't believe what I was reading on the official offer page and simply wanted to find out if people were actually using this method against the banks, but if you read post #21 you'll see that I've already explained this.
Therefore your presumptuous, ignorant and self righteous comments above are they themselves contemptible and underline how completely wrong you are.

I, thank God, am in a decently paid career in the Pharma sector, a job I earned after doing my 5 year stint in college and getting my qualifications, I also realise that there are many people I went to college with just as equally qualified as I am who have lost their jobs in recent years and are now in the positions that I spoke about earlier on in the thread.
And its for that reason, after seeing how they are really struggling that it galls me to have idiots post "5 things off the top of their heads" that people should do to help their situation when the 5 things are complete and utter nonsense to the people affected and are obviously posted by someone who hasn't a clue what theyre talking about but have the arrogance to think that THEY have all the answers, hence the jibe about the champagne on their cornflakes,
These people have nothing, they barely have milk for the kids breakfast, hence the irony of the champagne on the cornflakes, a jibe that you Seachmall took literally due to you obviously being someone whos slow on the uptake.

So before you start accusing anyone of anything, like trying to give unqualified advise, which never once happened by the way, or accusing people of not wanting to pay off their debts, which I'm not guilty of you need to get your facts right because all you've succeeded in doing here tonight is show people that A.\ you obviously didn't read the entire thread, but only read a few bits and pieces and drew your incorrect conclusions from there B.\ You are a very slow witted individual who is incapable of differentiating between truth and irony and C.\ that youre a self righteous little individual who deserves nothing but contempt from those around you

Eh.

Jesus H. Christ.

Seachmall

Vixdname,
I have read your post in it's entirety but there's on line, even word, that jumps out at me and entirely undermines your argument.

vixdname wrote: »

simply wanted to find out if people were actually using this method against the banks

Your use if the word "against" here is very telling. This is not a war, those in debt are not infantry on the front line loading their gas powered Steyr AUG A1 service rifles with poorly worded, Facebook inspired, questionably legal, letters of "Official Offers". Nor are the banks Soviet reminiscent, goose-stepping, suit wearing overlords that must be tackled and tarnished at every turn.

Resolution of financial troubles should be a collaborative effort founded on mutual respect and understanding of each other's situation, which you clearly fail to understand as you spread your freeman propaganda.

You and I want the same thing, however you have decided to take a view point which demands military aggression against an enemy that is, in reality, purely hypothetical.

I hope you humble yourself, come to your senses and lay down your arms before we see the civil and economic equivelant of Nagasaki and Hiroshima.

And don't bother back peddle as you did on your champagne comment, your posts are here for everyone to read. It's embarrassing to watch you squirm so much.

vixdname

MadsL wrote: »

Here's a tip. By writing "No Blame" sideways across the back of the pharmacy receipts and adding "No Suing Us" in the small print, pharmaceutical manufacturers can avoid all cost associated with testing their products and the legal cost associated with people bringing suit when they spout an extra head.

What sector do you work in Madsl, let me guess," The I'm an idiot who doesn't really read any of the threads on Boards fully but hang out in the shadows before springing in and posting my really witty comments where I hope I'll get loads of "LIKES" so as I can feel better about my inane, miserable, insecure little life sector perhaps"

MadsL

vixdname wrote: »

What sector do you work in Madsl, let me guess," The I'm an idiot who doesn't really read any of the threads on Boards fully but hang out in the shadows before springing in and posting my really witty comments where I hope I'll get loads of "LIKES" so as I can feel better about my inane, miserable, insecure little life sector perhaps"

Feel better now?

Good.

Pay your mortgage and stop looking for loopholes.

joe swanson

Its dangerous hocus pocus that is and will hurt vulnerable people sucked in by promises of making everything ok.

Legislation is needed to outlaw its promotion, often by people who are making money out of desperate people.

Filibuster

vixdname wrote: »

I, thank Allah, am in a decently paid career in the Pharma sector, a job I earned after doing my 5 year stint in college and getting my qualifications, I also realise that there are many people I went to college with just as equally qualified as I am who have lost their jobs in recent years and are now in the positions that I spoke about earlier on in the thread.
And its for that reason, after seeing how they are really struggling that it galls me to have idiots post "5 things off the top of their heads" that people should do to help their situation when the 5 things are complete and utter nonsense to the people affected and are obviously posted by someone who hasn't a clue what theyre talking about but have the arrogance to think that THEY have all the answers, hence the jibe about the champagne on their cornflakes,
These people have nothing, they barely have milk for the kids breakfast, hence the irony of the champagne on the cornflakes, a jibe that you Seachmall took literally due to you obviously being someone whos slow on the uptake.

I hope your "pharma" qualifications are written at a angle of 45° or else they are not official.

vixdname

Your use if the word "against" here is very telling. This is not a war, those in
debt are not infantry on the front line loading their gas powered Steyr AUG A1
service rifles with poorly worded, Facebook inspired, questionably legal,
letters of "Official Offers". Nor are the banks Soviet reminiscent,
goose-stepping, suit wearing overlords that must be tackled and tarnished at
every turn.

And your qualifications to determine the use of the word "Against" in my sentence actually means that I advocate aggressive action against banks are what ??? Have you a qualification in psychology to be able to make such a wild assumption from simply one word ?

Resolution of financial troubles should be a collaborative effort founded on
mutual respect and understanding of each other's situation, which you clearly
fail to understand as you spread your freeman propaganda.

I in the past, now, nor in the future have had nor will have any connection with Freemen, I became aware of them tonight from posts earlier on in the thread but the more I read about them the more I see them as ridiculous, therefore you again ASSUMPTION about me is completely incorrect

You and I want the same thing, however you have decided to take a view point
which demands military aggression against an enemy that is, in reality, purely
hypothetical.

Military aggression, are you for real ? All this from using the word AGAINST, you really do read way too much into things

I hope you humble yourself, come to your senses and lay down your arms before we
see the civil and economic equivelant of Nagasaki and Hiroshima.

I have no arms to lay down, again, what are you talking about, you really and truly are amazingly wrong in your presumptions

And don't bother back peddle as you did on your champagne comment, your posts
are here for everyone to read. It's embarrassing to watch you squirm so much

I'm delighted my comments are there for everyone to read because 99% of them will read them as they were meant to be read and not be so idiotic as to not be able to grasp the idea of irony.
If I meant the champagne comment in the context that you believeI meant it in, it wouldn't actually make any sense.
The day I squirm in front of someone like you will be the day I die my friend

General General

Filibuster wrote: »

I hope your "pharma" qualifications are written at a angle of 45° or else they are not official.

Careful. There was mention of qualifications & working in 'pharma'... not of 'pharma' qualifications, which I think we can possibly rule out.