Collection agency want +£500 for a London congestion charge that I paid over a year ago....!

Idk. Plenty of genuine, bona-fide geniuses have died penniless and destitute. Intelligence at the extremes doesn't necessarily equate to financial reward. Conversely, there's someone like Trump, who is very well off ;)

So you don't expect someone with an IQ of 143 to have a driving license, a car or a home?

I think it would be extremely rare in fact at least 1000 times rarer than having an IQ of 143 in the first place. Well in the UK anyway.

If he's in some dump of a country then yeah more likely but still very rare.
 
he would be on the grid then. he say's he's off grid and always has been until he had to seperate from his ex.

to lease a car you need credit - therefore pass a credit report - so on the grid

you also need a driving license - again on the grid as it's an offence not to tell them your current address with a £1K fine

thirdly you would need insurance at a valid address.

so try again.
He once posted in a mortgage thread that he'd got a 100% mortgage way back when so I wouldn't believe everything anything that he says.
 
he would be on the grid then. he say's he's off grid and always has been until he had to seperate from his ex.

to lease a car you need credit - therefore pass a credit report - so on the grid

you also need a driving license - again on the grid as it's an offence not to tell them your current address with a £1K fine

thirdly you would need insurance at a valid address.

so try again.
He never said he lived off grid. He said he didn’t own anything.
 
I don't own anything, even my mobile phone is not in my name. I also have access to another flat right next door with nothing in my name, so if anything went pete tong I could shift everything there in minutes.

I do pay all my bills mind you so am not worried.

But I can basically disappear in a instant.

No, you can't. You just think you can. There will be data on you. You have an address. You have paid bills. You have an online profile. You have an ISP. Tracing you would be more difficult, but not impossible. If things went wrong badly enough for you to have to flee, moving next door would not be the solution you claim it would be.
 
You could rent your home, not own a car, all your belongings like TV, electricals, furniture, etc could be all cheap/second hand. Not much a bailiff can do then other than pass the file back to the creditor as there is no money/value to collect on.
 
You could rent your home, not own a car, all your belongings like TV, electricals, furniture, etc could be all cheap/second hand. Not much a bailiff can do then other than pass the file back to the creditor as there is no money/value to collect on.
No need to go car-less. Just have a car on lease.

In fact it occurred to me that you may even be able to setup a company to buy everything and then lease it to yourself. I wonder if that would work too.
 
No need to go car-less. Just have a car on lease.

In fact it occurred to me that you may even be able to setup a company to buy everything and then lease it to yourself. I wonder if that would work too.

Yes I said not own a car which means you could lease one or rent one still.

Not sure how putting everything under a limited company and renting everything back will work, I hear of them still taking assets if it has been found that you only just transferred assets to someone else to avoid capture.
 
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