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21-10-2013, 18:21   #1
vixdname
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The "Official Offer" Letter To Banks

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 ???

Is this genuinely legal

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 ....
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21-10-2013, 19:25   #2
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Zzzzzzzzzzzzz..... Burp!....zzzzzzz.....
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21-10-2013, 20:16   #3
 
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Freemans stuff.

I would have thought that "non response" could not be taken as an acceptance.

Isn't that this an attempt by one party to modify a contract that they have already agreed to and would need the agreement of the other party to do so.

Last edited by Five Lamps; 21-10-2013 at 20:25. Reason: typo
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21-10-2013, 20:19   #4
 
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Quote:
Originally Posted by vixdname View Post

If you get no response then the offer has been accepted ... so the cheques keep going in to effect performance on the contract.
Hogwash. Since when are contract offers accepted by inaction?
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21-10-2013, 20:21   #5
 
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I swear the response by b Five Lamps wasnt there when i made my post. I swear.
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21-10-2013, 20:59   #6
 
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It might have taken you more than 3 mins to load the page, write your message, and post it. No biggie Beano.

I can see where the freemen are going with this. Send a letter every week, expecting a reply. After the 30th letter and for some reason, there's no response, it's accepted that they are now out of the contract.

I give to you, the new proletariat.
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22-10-2013, 15:48   #7
 
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Felthouse v Brindley
Foakes v Beer (Affriming Pinnels case)

Even the most inept law student that turns up to class by mistake is aware of these cases. Pinnel's case has been law for over 400 years.

Isn't it about time these fecking fraudsters where jailed for peddling this crap to the gullible and the desperate?
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22-10-2013, 19:37   #8
NoQuarter
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Our survey says... EHH EHH
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22-10-2013, 20:16   #9
 
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I don't understand why they can't just be honest.

You don't like the bailout, unsustainable personal debt, or how the banks operate?

You feel that individuals are commoditized, and sometimes worse off than corporations, that this is morally wrong?

Basically you want law reform?

Great! I agree with all of the above!

But you don't challenge what you consider a shítty law by getting down and rolling around in it, to the point of making yourself look stupid, offensive and bonkers.

All law relies on the public co-operation with it. By challenging it in a meaningful, non-bonkers way, or by electing willing legislators, you can change the law with a lot less hassle, and you won't look so thick. Why go to all this trouble?
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22-10-2013, 20:47   #10
nuac
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c ould someone find a place far far away from other threads where all the Freemen may play together without annoying the grownups?
'
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22-10-2013, 21:33   #11
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Totally works.

But it needs to be sent from a ship, during a full moon in blue ink and all in caps.
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22-10-2013, 22:52   #12
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The word "offer" comes from the middle cockney phrase "off 'er" meaning to kill
or cause the death of a woman.


As women have breasts and breasts begins with b, every word that begins with b denotes a woman. So a bank is just a legal fiction for a woman. By sending her an "offer" you are disclaiming civil jurisdiction and going directly to her human person.

Your offer is thus a death threat to the lady of the bank, and if she accepts it then she is valuing her life at the derisory amount you have sent. If she doesn't accept then you have scared her and she will no longer pursue you.

You are now free to date her sister. But watch out for the ICB (Investment Cock Block) when two banks/women discuss your bad behaviour.

Seriously, if you believe the stuff you read on those websites you should consider running off to join the moonies. You'll be happier and richer in the long run.
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22-10-2013, 22:53   #13
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Quote:
Originally Posted by nuac View Post
c ould someone find a place far far away from other threads where all the Freemen may play together without annoying the grownups?
'
I find it refreshing to access my inner legal child from time to time.
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24-10-2013, 10:21   #14
nuac
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I find it refreshing to access my inner legal child from time to time.
Be careful about accessing children anywhere
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29-10-2014, 18:51   #15
Livingrobot
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Deception intentional ?

Inserted in the Brackets below (Actually the Official Offer process is based on the MAXIMUM amount to say otherwise appears to be a deliberate use of deception).

Quote:
Originally Posted by vixdname View Post
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

(Actually the Official Offer process is based on the MAXIMUM amount to say otherwise appears to be a deliberate use of deception)

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 ???

Is this genuinely legal

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 ....
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