Collections

Why do collection agencies persistently lie to the debtor, the press and the public at large? It is not just for money, but also because they actually believe themselves to be the last gasp between economic stability and financial ruin.

As we shall see with this message, the truth is anything but, and we shall also see that they as in my previous recordings are irrelevant, almost utterly useless and in the eyes of most, an inconvenience.

Like sharks, once they smell blood (or money), they will attack. However, such a parallel would be insulting to sharks, since recent research has shown that sharks do possess intelligent characteristics, such as memory and a sense of peril. This is more than can be said for the staff at these companies, who will selectively lie, threaten and bully if they think theres a chance they can worm money out of you.

You sent an angry letter to them? What letter. You sent a payment last month? What payment? You have a settlement letter proving you paid off this debt with the last company it was with? The last company dont have any record of this, so it must have been sent out by fluke.

Well, this message exposes and takes apart many of the most common lies or half-truths that such companies will use against you. Im sorry the whole message is a long one, but with lying and collection agencies in the UK as anyone who has had to deal with one already knows - theres a lot of ground to cover.

***1 small mistake made is during the ‘Rankin Vs HBOS’ dissection. This is untrue - it should have stated that it WAS a High Court case. But no legal precedent was set, and the necessity of a valid CCA was amplified by the judge. The DCAs will omit to mention that part.

The judge actually held Mr Rankin at fault for his manner, which was bad enough to swing the case in the favour of the creditor. Hardly a legal precedent when the judge decides to make an example of the plaintiff.

Yes, I did see the Panorama programme, and yes, I think the Rankins came across as textbook ‘debt avoiders’ that the DCAs like to paint all their ‘customers’ with***

Duration : 0:9:37

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Dvd Collection update for
February 25th 2009 showing the dvds Ive gotten over the last couple of weeks. In the update I talk about and give my reviews of the dvds and the movies themselves.

The Dvds I got and Review in this update are:

* Nick and Norah’s Infinite playlist : Directed by Peter Sollett - Starring Michael Cera, Kat Dennings, Aaron Yoo, Rafi Gavron, Ari Graynor, Alexis Dziena, Jonathan B. Wright, Zachary Booth and Jay Baruchel

* Office Space : Directed by Mike Judge - Starring Ron Livingston, Jennifer Aniston, David Herman, Ajay Naidu, Diedrich Bader, Stephen Root, Gary Cole, Richard Riehle and John C. Mcginley

* Napoleon Dynamite : Directed by Jared Hess - Starring Jon Heder, Jon Gries, Aaron Ruell, Efren Ramirez, Diedrich Bader, Tina Majorino, Sandy Martin and Haylie Duff

* Nite Tales : The Movie - Directed by Deon Taylor - Starring Flavor Flav, Andrea Bogart, Sticky Fingaz, Tony Todd and Dante Basco

* Henry Poole is here : Directed by Mark Pellington - Starring Luke Wilson, Radha Mitchell, Adriana Barraza , George Lopez and Cheryl Hines

* College : Directed by Deb Hagan - Starring Drake Bell, Andrew Caldwell, Andree Moss, Carolyn Moss, Kevin Covais, Alona Tal, Jessica Heap and Haley Bennett

* Choke : Directed by Clark Gregg - Starring Sam Rockwell, Anjelica Huston, Clark Gregg and Matt Gerald

* The Midnight Meat Train : Directed by Ryûhei Kitamura
and written by Clive Barker - Starring Bradley Cooper, Leslie Bibb, Brooke Shields, Vinnie Jones and Roger Bart

* Whatever it takes : Directed by David Raynr - Starring Jodie Lyn O’keefe, Shane West, Marla Sokoloff, Julie Sweeney, James Franco and Colin Hanks

* Feast 3 : The Happy Finish - Directed by John Gulager - Starring Jenny Wade, Martin Klebba, Carl Anthony Payne ll, Diane Goldner, Tom Gulager, Hanna Putnam, Clu Gulager and Melissa Reed

* Killer Movie : Directed by Jeff Fisher - Starring Paul Wesley, Kaley Cuoco, Gloria Votsis, Torrey DeVitto, Jason London, Cyia Batten, Adriana Demeo and Al Santos

* Blindness : Directed by Fernando Meirelles - Starring Julianne Moore, Mark Ruffalo, Alice Braga, Danny Glover, Gael Garcia Bernal and Joe Pingue

* Rare Flix Collection Volume 2

* How to lose friends and Alienate people : Directed by Robert B. Weide - Starring Simon Pegg, Megan Fox, Gillian Anderson, Jeff Bridges and Kirsten Dunst

* Tales from the darkside season 1 - Created by George A. Romero

* Screamers: The Hunting aka Screamers 2 - Directed by Sheldon Wilson - Starring Gina Holden, Jana Pallaske, Lance Henriksen, Greg Bryk, Christopher Redman, Tim Rozon, Dave Lapommeray and Holly O’Brien

* Still Waiting… : Directed by Jeff Balis - Starring Adam Carolla, John Michael Higgins, Rob Benedicts, Steve Howey, Rob Kerkovich, Andy Milonakis, Alanna Ubach, Phillip Vaden, Chris Williams, Chi Mcbride, Luis Guzman, Vanessa Lengies, Kirk Fox and Justin Long

* Alien Raiders : Directed by Ben Rock - Starring Carlos Bernard, Mathew St. Patrick, Rockmond Dunbar, Courtney Ford, Jeffrey Licon, Samantha Streets and Derek Basco

* Madagascar: Escape 2 Africa : Directed by Eric Darnell and Tom McGrath - with the voice talents of Ben Stiller, Chris Rock, David Schwimmer, Jada Pinkett Smith, Sacha Baron Cohenn Cedric the entertainer, Andy Richter, Bernie Mac, Alec Baldwin and Sherri Shepherd

* Total Recall : Directed by Paul Verhoeven - Starring Arnold Schwarzenegger, Rachel ticoti, Sharon Stone, Ronny Cox and Dean Norris

* Zack and Miri make a o : Direced by Kevin Smith - Starring Elizabeth Banks, Seth Rogen, Jason Mewes, Kenny Hotz, Brandon Routh, Justin Long, Tom Savini and Jeff Anderson

* Dead Teenagers : Directed by Chris LaMartina - Starring Beth Ashton, Joe Bahar, Matt Bergman, Rich Bolen, Danny Costa, Paul Culler, Kyle Good, Katie Harris, John Hicks and Drew Hughes

Duration : 0:25:27

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Please don’t send me money. It’s just a song. Elvis is not really going to have to get a job.

Duration : 0:2:14

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Dvd Collection update for
March 30th 2009 showing the dvds Ive gotten over the last couple weeks. In the update I talk about and give my reviews of the dvds and the movies themselves.

The Dvds I got and Review in this update are:

* Slumdog Millionaire : Directed by Danny Boyle and Loveleen Tandan - Starring Dev Patel, Anil Kapoor, Saurabh Shukla, Rajendranath Zutshi, Jeneva Talwar, Freida Pinto, Irrfan Khan

* The Initiation : Directed by Larry Stewart - Starring Vera Miles, Daphne Zuniga, Clu Gulager, James Read, Hunter Tylo and Christopher Bradley

* Mountaintop Motel Massacre : Directed by Jim McCullough Sr. - Starring Bill Thurman, Anna Chappell, Will Mitchel, Virginia Loridans and Major Brock

* Marley and Me : Directed by David Frankel - Starring Owen Wilson, Jennifer Aniston, Eric Dane, Kathleen Turner, Alan Arkin, Nathan Gamble and Haley Bennett

* Bedtime Stories : Directed by Adam Shankman - Starring Adam Sandler, Keri Russell, Guy Pearce, Russell Brand, Richard Griffiths, Teresa Palmer, Lucy Lawless,Courteney Cox, Jonathan Morgan Heit, Laura Ann Kesling, Jonathan Pryce, Nick Swardson, Kathryn Joosten, Allen Covert and Carmen Electra

* Sesame Street Presents : Follow that bird - Directed by Ken Kwapis - Starring Caroll Spinney, Jim Henson, Frank Oz, Richard Hunt, Kathryn Mullen, Jerry Nelson, Paul Bartel, Sandra Bernhard, John Candy, Chevy Chase, Joe Flaherty, Waylon Jennings, Dave Thomas, Laraine Newman and Brian Hohlfeld

* The Murder Game : Directed by Robert Harari - Starring Steve Polites, Katie Sirk, Samuel Klein, Ariana Almajan, Vince Eustace, Max Hambleton, Kimberly Harari, Robert Harari, Christina Marchand and Julia Pickens

* Married with Children Season 10 - Starring Ed O’Neill, David Faustino, Christina Applegate, Katey Sagal, Amanda Bearse and Ted McGinley

* Cast Away : Directed by Robert Zemeckis - Starring Tom Hanks and Helen Hunt

* Walled In : Directed by Gilles Paquet-Brenner - Starring Mischa Barton, Cameron Bright, Deborah Kara Unger, Noam Jenkins and Eugene Clark

* The Three Stooges Collection Volume 5 1946 - 1948 - Starring Larry Fine, Moe Howard, Curly Howard and Shemp Howard

* Synecdoche, New York : Directed by Charlie Kaufman - Starring
Philip Seymour Hoffman, Catherine Keener, Sadie Goldstein, Tom Noonan, Peter Friedman, Charles Techman, Josh Pais, Daniel London, Robert Seay, Michelle Williams], Stephen Adly Guirgis, Samantha Morton, Hope Davis, Frank Girardeau and Jennifer Jason Leigh

* Throwdown with Bobby Flay starring Bobby Flay

* Let the right one in aka Låt den rätte komma in : Directed by Tomas Alfredson - Starring Kåre Hedebrant, Lina Leandersson, Per Ragnar, Henrik Dahl, Karin Bergquist, Peter Carlberg, Ika Nord and Mikael Rahm

* Punisher: War Zone - Starring Lexi Alexander Ray Stevenson, Dominic West, Doug Hutchison, Colin Salmon, Wayne Knight, Dash Mihok, Julie Benz, Stephanie Janusauskas, Mark Camacho, Romano Orzari, Keram Malicki-Sánchez, Larry Day, Ron Lea, Tony Calabretta and T.J. Storm

* Bolt : Directed by Byron Howard and Chris Williams - with the voice talents of John Travolta and Miley Cyrus, Susie Essman, Mark Walton, Malcolm McDowell, James Lipton, Greg Germann, Diedrich Bader and Nick Swardson

* Mister Lonely : Directed by Harmony Korine - Starring Diego Luna, Samantha Morton, Denis Lavant, James Fox and Werner Herzog

1 Dollor dvds

* The Vault of horror : Directed by Roy Ward Baker - Starring Dawn Addams
* Frightmare : Directedby Morman Thaddeus Vane - Starring Ferdy Mayne

* Mooch goes to hollywood : Directed by Richard Erdman - Starring Vincent Price and Jim Backus
* Summer Dog : Directed by John Clayton - Starring James Congdon

* My Name is trinity - Starring Terence Hill

* Lovers and Liars : Directed by Mario Monicelli - Starring Goldie Hawn and Giancarlo Giannini
* Loose shoes : Directed by Ira Miller - Starring Bill Murray and Tom Baker

* Lost on Paradise Island : Directed by George Bryson
* Goin Coconuts : Directed by Howard Morris - Starring Donny Osmond and Maries Osmond

* Slipstream : Directed by Steven Lisberger - Starring Mark Hamill, Bob Peck and Bill Paxton
* Creature : Directedby William Malone - Starring Diane Salinger adn Klaus Kinski

Duration : 0:15:53

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In this Dvd Collection series video I talk about and Review some of my all time favorite 21st Centery Current Horror films from 2000 thu 2008 that I have in my dvd collection

The Current Horror Movies are:

* Anatomie aka Anatomie : Directed by Stefan Ruzowitzky

* The Ring : Directed by Gore Verbinski - Starring
Naomi Watts, Martin Henderson,David Dorfman, Brian Cox

* Ginger Snaps : Directed by John Fawcett - Starring Emily Perkins, Katharine Isabelle, Kris Lemche, Mimi Rogers, Jesse Moss, Danielle Hampton, John Bourgeois, Peter Keleghan, Christopher Redman, Jimmy MacInnis, Lindsay Leese and Wendii Fulford

* Ginger Snaps : Unleased - Directed by Brett Sullivan

* Ginger Snaps Back : The Beginning - Directed by Grant Harvey

* Shaun of the dead : Directed by Edgar Wright - Starring Simon Pegg, Kate Ashfieldm Nick Frost, Lucy Davis, Dylan Moran and Nicola Cunningham

* Dawn of the dead remake : Directed by Zack Snyder - Starring Sarah Polle, Ving Rhames and Matt Frewer

* The Midnight Meat Train : Directed by Ryuhei Kitamura - Starring Bradley Cooper, Leslie Bibb, Brooke Shields, Vinnie Jones, Roger Bart, Tony Curran, Barbara Eve Harris

* The Janitor : Directed by TJ Nordaker and Andy Signore - Starring
Andy Signore, Bruce Cronander,Crystal LeBard, G. Larry Butler, Skip Pipo, John Carreon, Rachael Ann Bennett, Kelly King, Stephanie Christine Medina and Logan Christopher

* Toolbox Murders : Directed by Tobe Hooper - Starring Angela Bettis, Brent Roam, Marco Rodríguez, Rance Howard

* Season of the hunted : Directed by Ron Sperling

* Ghost Rig aka The Devils Tattoo : Directed by Julian Kean

* Deathwatch : Directed by Michael J. Bassett - Starring Jamie Bell and Andy Serkis

* Dead End : Directed by Jean0Baptiste Andrea and Fabrice Canepa - Starring
Ray Wise, Lin Shaye, Mick Cain, Alexandra Holden, Billy Asher, Amber Smith, Karen S. Gregan, Sharon Madden, Steve Valentine, Jimmie F. Skaggs and Clement Blake

* The Lost : Directed by Chris Sivertson - Starring Marc Senter, Shay Astar, Alex Frost, Megan Henning, Robin Sydney, Michael Bowen, Ed Lauter , Dee Wallace, Misty Mundae and Ruby Larocca

* The Cook : Directed by Gregg Simon - Starring Mark Hengst, Makinna Ridgway, Kit Paquin, Penny Drake, Nina Fehren, Noelle Kenney, Brooke Lenzi, Justine Marino, Stefanie Solano, Allen Yates and Jackson Sowell

Grizzly Park : Directed by Tom Skull - Starring Glenn Morshower, Randy Wayne, Zulay Henao, Emily Foxler, Shedrack Anderson III, Julie Skon, Kavan Reece, Jelynn Rodriguez and Trevor Peterson

* Wind Chill : Directed by Gregory Jacobs - Starring Emily Blunt, Ashton Holmes

* Cry_Wolf : Directed by Jeff Wadlow - Starring Julian Morris, Lindy Booth, Jared Padalecki, Jon Bon Jovi, Sandra McCoy, Kristy Wu, Jesse Janzen, Paul James

* Rest Stop : Dead ahead : Directed by John Shiban

* Session 9 : Directed by Brad Anderson - Starring David Caruso, Stephen Gevedon, Paul Guilfoyle, Josh Lucas, Peter Mullan, Brendan Sexton III, Charley Broderick, Lonnie Farmer, Larry Fessenden, Jurian Hughes and Sheila Stasack

* 28 days later : Directed by Danny Boyle - Starring Cillian Murphy

* House of 1000 Corpses : Directed by Rob Zombie - Starring Sid Haig, Bill Moseley, Sheri Moon Zombie, Karen Black, Chris Hardwick, Erin Daniels, Jennifer Jostyn, Rainn Wilson, Walton Goggins, Tom Towles, Matthew McGrory, Robert Allen Mukes, Dennis Fimple, Harrison Young and William Bassett

* Home Sick : Directed by Adam Wingard - Starring Lindley Evans, Bill Moseley, Tiffany Shepis , Forrest Pitts, Will Akers, Matt Lero,Brandon Carroll, Tom Towles and Jeff Dylan Graham and L.C. Holt

* Jack Brooks : Monster Slayser - Directed by Jon Knautz - Starring Robert Englund, Trevor Matthews, Daniel Kash

* The Descent : Directed by Neil Marshall

* Feast : Directed by John Gulager - Starring Balthazar Getty, Henry Rollins, Navi Rawat, Judah Friedlander, Josh Zuckerman, Jason Mewes, Jenny Wade, Krista Allen and Clu Gulager

* Satans little helper : Directed by Jeff Lieberman Alexander Brickel, Katheryn Winnick, Stephen Graham and Amanda Plummer

* Turistas : Directed by John Stockwell - Starring Josh Duhamel, Melissa George, Olivia Wilde, and Desmond Askew

* Wrong turn : Directed by Rob Schmidt - Starring Desmond Harrington, Eliza Dushku, Jeremy Sisto

* Wrong turn 2 : Dead End : Directed by Joe Lynch - Starring Henry Rollins,

* Wolf Creek : Directed by Greg Mclean - Starring John Jarratt, Cassandra Magrath, Kestie Morassi, Nathan Phillips and Gordon Poole

* Slither : Directed by James Gunn - Starring Don Thompson, Nathan Fillion, Elizabeth Banks, Michael Rooker

* Satan Playground : Directed by Dante Tomaselli - Starring Felissa Rose, Ellen Sandweiss, Edwin Neal

* Hatchet : Directed by Adam Green - Starring Joel Moore, Tamara Feldman, Deon Richmond, Kane Hodder, Robert Englund, Tony Todd

Duration : 0:22:12

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Dvd Collection update for November 26th 2008 showing the dvds Ive gotten over the last couple of weeks. In the update I talk about and give my reviews of the dvds and the movies themselves.

The Dvds I got and Review in this update are:

* Something Beneath : Directed by David Winning - Starring Kevin Sorbo, Natalie Brown, Peter Macneail and Brendan Beiser

* Meet Dave : Directed by Brian Robbins - Starring Eddie Murphy, Elizabeth Banks, Gabrielle Union, Scott Caan, Ed Helms, Kevin Hart and Mike O’Malley

* Fred Claus : Directed by David Dobkin - Starring Vince Vaughn, Paul Giamatti, John Michael Higgins, Miranda Richardson, Rachel Weisz and Kathy Bates

* Kung Fu Panda : Directed by Mark Osborne and John Stevenson - Starring the voices of Jack Black, Dustin Hoffman, Angelina Jolie, Ian McShane, Jackie Chan, Seth Rogen, Lucy Liu, David Cross, Randall Duk Kim, James Hong, Dan Fogler, Michael Clarke Duncan

* WALL·E : Directed by Andrew Standton - Starring Ben Burtt, Elissa Knight, Jeff Garlin and Fred Willard

* Return to Sleepaway Camp : Directed by Robert Hiltzik - Starring Vincent Pastore, Michael Gibney, Paul DeAngelo, Jonathan Tiersten, Isaac Hayes, Lenny Venito, Erin Broderick, Adam Wylie, Kate Simses, Michael Werner, Christopher Shand, Jaime Radow, Shahidah McIntosh, Jackie Tohn, Paul Iacono
( I also talk about Sleepaway Camp II: Unhappy Campers which is directed by Michael A. Simpson and which stars Pamela Springsteen)

* Sold Out: A Threevening With Kevin Smith : Starring Kevin Smith

* Vampires Embrace : Directed by Glenn Andreiev - Starring Paul Borghese, Edna Boyle and Rick Collins

* Night Gallery season 2 : Created by Rod Serling

* Tropic Thunder ( Blu-ray Disk ) : Directed by Ben Stiller - Starring Jeff Kahn, Robert Downey Jr., Jack Black, Jay Baruchel, Brandon T. Jackson, Ben Stiller, Steve Coogan and Danny R. Mcbride

* Halloween H20: 20 Years Later : Directed by Steve Miner - Starring Jamie Lee Curtis, Josh Hartnett, Adam Arkin, Michelle Williams, LL Cool, Jodi Lyn O’Keefe and Janet Leigh

* Mindflesh : Directed by Robert Pratten - Starring Peter Bramhill and Carole Derrien

* Shrek the Halls : Directed by Gary Trousdale - Starring the voice talents of Mike Myers, Eddie Murphy, Cameron Diaz and Antonio Banderas

* (4 film pack)
- The Little Rascals : Directed by Penelope Spheeris - Starring Travis Tedford,Kevin Jamal Woodsl Jordan Warkol, Zachary Mabry, Ross Bagley, Courtland Mead, Sam Saletta, Blake Jeremy Collins, Blake McIver Ewing, Juliette Brewer, Heather Karasek, Brittany Ashton Holmes and Bug Hall
- Casper : Directed by Brad Silberling - Starring Bill Pullman and Christina Ricci
- Flipper : Directed By Alan Shapiro - Starring Elijah Wood and Paul Hogan
- Leave it to beaver : Directed by Andy Cadiff - Starring Christopher Mcdonald, Janine Turner and Cameron Finley

* Waterworld ( Extended tv Cut ) : Directed by Kevin Reynold - Starring Kevin Costner, Jeanne Tripplehorn, Tina Majorino and Dennis Hopper

Duration : 0:21:41

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Dvd Collection update for June 10th 2009 showing the dvds Ive gotten over the last 2
weeks. In the update I talk about and give my reviews of the dvds and the movies themselves.

The Dvds I got and Review in this update are:

* Rugrats the complete 1st season : Featuring the voice talents of Melanie Chartoff, Michael Bell, Kath Soucie, Christine Cavanaugh, Elizabeth Daily, Cheryl Chase and Jack Riley

* Spring Breakdown : Directed by Ryan Shiraki - Starring Amy Poehler, Parker Posey, Rachel Dratch, Amber Tamblyn, Seth Meyers, Sophie Monk, Jonathan Sadowski, Missi Pyle and Jane Lynch

* Seems like old times : Directed by Jay Sandrich - Starring Goldie Hawn, Chevy Chase and Charles Grodin and Judd Omen

* Canadian Bacon : Directed by Michael Moore - Starring John Candy, Alan Alda, Rhea Perlman, Kevin Pollak, Rip Torn, Kevin J. O’Connor, Bill Nunn, G.D. Spradlin, Steven Wright, James Belushi, Brad Sullivan and Wallace Shawn

* Mum and Dad ( Mun & Dad ) : Directed by Steven Sheil - Starring Perry Benson, Dido Miles, Olga Fedori, Ainsley Howard, Toby Alexander and Micaiah Dring

* The X files season 1 and 2 dvd set - Starring Gillian Anderson and David Duchovny

* Star Trek the Orginal Series best of set : Starring Leonard Nimoy, William Shatner, DeForest Kelley, Nichelle Nichols, James Doohan, Eddie Paskey, Bill Blackburn and George Takei

* Star Trek The next Generation best of set - Starring Patrick Stewart, Jonathan Frakes, LeVar Burton, Marina Sirtis, Brent Spiner, Michael Dorn and Gates McFadden
* Star Trek: Original Motion Picture Collection (The Motion Picture / The Wrath of Kahn / The Search for Spock / The Voyage Home / The Final Frontier / The … Captains Summit Bonus Disc) [Blu-ray]

* Revolutionary Road : Directed by Sam Mendes - Starring Leonardo DiCaprio, Kate Winslet, Michael Shannon, Ryan Simpkins, Ty Simpkins, Kathy Bates and Richard Easton

* Cavalcade of Cartoon Comedy : Created by Seth Macfarlane

* Fired up unrated edition : Directed by Wll Gluck - Starring Nicholas D’Agosto, Eric Christian Olsen, Sarah Roemer, Molly Sims, Danneel Harris, David Walton, Adhir Kalyan, AnnaLynne McCord, Juliette Goglia, Philip Baker Hall, John Michael Higgins, Smith Cho, Margo Harshman, Hayley Marie Norman and Jake Sandvig

* The Machinist aka El Maquinista : Directed by Brad Anderson - Starring Christian Bale, Jennifer Jason Leigh, Aitana Sánchez-Gijón, John Sharian, Michael Ironside, Larry Gilliard Jr. and Reg E. Cathey

* A Bugs Life : Directed by John Lasseter adn Andrew Stanton - Starring the voice talents of Dave Foley, Kevin Spacey, Julia Louis-Dreyfus, Hayden Panettiere, Phyllis Diller, Richard Kind, David Hyde Pierce, Joe Ranft, Denis Leary, Jonathan Harris, Madeline Kahn, Bonnie Hunt, Michael McShane, John Ratzenberger and Brad Garrett

* Ferris Buellers Day Off : Written and Directed by John Hughes - Starring Matthew Broderick, Alan Ruck, Mia Sara, Jeffrey Jones, Jennifer Grey, Cindy Pickett, Lyman Ward, Edie McClurg, Charlie Sheen,Ben Stein, Del Close, Virginia Capers, Richard Edson, Larry Flash Jenkins and Kristy Swanson

Duration : 0:16:30

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Dvd Collection update for June 25th 2009 showing the dvds Ive gotten over the last 2
weeks. In the update I talk about and give my reviews of the dvds and the movies themselves.

The Dvds I got and Review in this update are:

* Backwoods : Directed by Marty Weiss - Starring Ryan Merriman, Danny Nucci, Haylie Duff, Mark Rolston, Troy Winbush, Deborah Van Valkenburgh, Craig Zimmerman, Mimi Michaels, Jamison Yang, Jonathan Slavin, Eric Larkin, Willow Geer, Robert Allen Mukes, John Hemphill, Blake Lindsley

* Friday the 13th Remake : Directed by Marcus Nispel - Jared Padalecki, Danielle Panabaker, Amanda Righetti, Travis Van Winkle, Aaron Yoo, Derek Mears, Jonathan Sadowski, Julianna Guill, Ben Feldman, Arlen Escarpeta, Ryan Hansen, Willa Ford, Nick Mennell, America Olivo and Kyle Davis

* Ghost Busters : Directed by Ivan Reitman - Starring Bill Murray, Dan Aykroyd, Sigourney Weaver, Harold Ramis, Rick Moranis, Annie Potts, William Atherton and Ernie Hudson

* Star Trek the original Series season 1 - Starring Leonard Nimoy, William Shatner, DeForest Kelley, Nichelle Nichols, James Doohan, Eddie Paskey, Bill Blackburn and George Takei
.
* The Three Stooges Volume 6 : 1949 - 1951 Starring Moe Howard, Larry Fine and Shemp Howard

* The Money Pit : Directed by Richard Benjamin - Starring Tom Hanks, Shelley Long, Alexander Godunov, Maureen Stapleton, Joe Mantegna and Brian Backer

*Invasion Iowa : Starring William Shatner, Desi Lydic, Garz Chan, Ernie Grunwald, Michael J. O’Hara and Kirk Ward

* Rugrats Season 2 - Starring the voice talents of - Melanie Chartoff, Michael Bell, Kath Soucie, Christine Cavanaugh, Elizabeth Daily, Cheryl Chase and Jack Riley

* One eyed monster : Directed by Adam Field - Starring Amber Benson, Jason Grahman, Charles Napier, Jeff Denton, Caleb mayo, Bart Fletcher, Jenny Guy, Veronica Hart, John Edward lee, Cameren hart, Frank Noel and Ron Jeremy

* Cities of the underworld season 3 - hosted by Don Wildman

* Friday the 13th Part 2 : Directed by Steve miner - Starring Amy Steel, John Furey, Adrienne king and Warrington Gillette

* Friday the 13th part 3 3d verison : Directed by Steve Miner - Starring Dana Kimmell, Paul Kratka, Nick Savage, Rachel Howard, Larry Zerner and Gloria Charles

* Friday the 13th part 4 the final Chapter : Directed by Joseph Zito - Starring Kimberly Beck, Erich Anderson, Corey Feldman, Barbara howard, Peter Barton, Lawrence monoson, Joan Freeman, Crispin Glover and Jdie Aronson

* Friday the 13th : A New Beginning - Directed by Danny Steinmann- Starring Anthony Barrile, Suzanne Bateman. Dominick Brascia, Todd Bryant, Curtis Conaway, Juliette mins, Bob DeSimone, John Robert Dixon and Corey Feldman

* Jason Lives Friday the 13th part 6 : Directed by Tom Mcloughlin - Starring Thom Mathews, Jennifer Cooke, David Kagen, Kerry Noonan and C.J. Grahmam

* Golden age of Steam

* My moms new boyfriend : Directed by George Gallo - Starring Antonio Banderas, Meg Ryan, Colin Hanks, Selma Blair and Trevor Morgan

Duration : 0:13:39

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Why do collection agencies persistently lie to the debtor, the press and the public at large? It is not just for money, but also because they actually believe themselves to be the last gasp between economic stability and financial ruin.

As we shall see with this message, the truth is anything but, and we shall also see that they as in my previous recordings are irrelevant, almost utterly useless and in the eyes of most, an inconvenience.

Like sharks, once they smell blood (or money), they will attack. However, such a parallel would be insulting to sharks, since recent research has shown that sharks do possess intelligent characteristics, such as memory and a sense of peril. This is more than can be said for the staff at these companies, who will selectively lie, threaten and bully if they think theres a chance they can worm money out of you.

You sent an angry letter to them? What letter. You sent a payment last month? What payment? You have a settlement letter proving you paid off this debt with the last company it was with? The last company dont have any record of this, so it must have been sent out by fluke.

Well, this message exposes and takes apart many of the most common lies or half-truths that such companies will use against you. Im sorry the whole message is a long one, but with lying and collection agencies in the UK as anyone who has had to deal with one already knows - theres a lot of ground to cover.

***1 small mistake made is during the ‘Rankin Vs HBOS’ dissection. This is untrue - it should have stated that it WAS a High Court case. But no legal precedent was set, and the necessity of a valid CCA was amplified by the judge. The DCAs will omit to mention that part.

The judge actually held Mr Rankin at fault for his manner, which was bad enough to swing the case in the favour of the creditor. Hardly a legal precedent when the judge decides to make an example of the plaintiff.

Yes, I did see the Panorama programme, and yes, I think the Rankins came across as textbook ‘debt avoiders’ that the DCAs like to paint all their ‘customers’ with***

Duration : 0:9:23

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UPDATE FOLLOWING ON FROM PART 2. DO NOT IGNORE THE SERIOUSNESS OF THIS RECORDING! WE WILL HAVE NO HESITATION IN SUING YOU IF YOU DO!

At around the 3 minute mark of this recording, I mention certain DCAs ploys regarding Recorded Delivery mail. If payment is asked for, then under NO circumstances pay for it - even if you are expecting to receive something from them. DCAs are not above trying to use the excuse that that payment is an acknowledgement of the debt.

Also, this message is a continuation from Part 2, in which First Credit come in for more stick, since I was far too nice to them in Part 2. The fact that one of the top bods of this gone-on-for-far-too-long company is also very high up on the Credit Services ociation should tell you all. Also, I wonder how many complaints the CSA has received - or says it has received - against First Credit.

Basically, what you have here is an uncontrolled, unethical industry that cries out for regulation with some bite behind it, so that companies like First Credit are put right out of business. It’s high time we saw some of the more abusive firms closed for any number of reasons. However, with a government that has senior members with ties to this industry, don’t expect this to happen too soon.

Further to the message, there’s also more of the generic threat-letters being dissected, and why and how the law prohibits various courses of action that collection agencies MAY (and this is an essential word in DCA dialect!) threaten to employ.

————————————–
The Unfair Terms in Consumer Contracts Regulations 1999 (Section 2083)
The Administration of Justice Act 1970
Consumer Credit Act 1974
Data Protection Act
The Consumer Protection from Unfair Trading Regulations 2008
The Solicitors Act 1974

All recommended bedroom reading, for all those boys and girls being pestered and harassed for money by UK-based collection agencies — money that these agencies may well not even have any legal right to. All of the above acts of government legislation centre around the rights of debtors, and all of which DCAs (debt collection agencies) are found to flout on a regular basis.

My next message delves more into Consumer Credit Act 1974, more of the common tricks collection agencies will try to use on you, and how to counter them by costing THEM money and inconvenience. Remember that these companies by and large, are powerless, irrelevant, have no real authority of their own, and can easily be seen off.

Even though some of the content of the recording may seem that I am advocating debt avoidance, this is not quite the case. But I do advocate debt avoidance when companies have been called out to provide proof of debt and fail to do so, and especially so to companies that try to use the law to manipulate people for their own financial gain.

Also, in case the distrustful, deceitful nature of these companies isn’t quite clear enough, then part 2 of this message goes more into the money-men behind the whole scam and why hoping our dear old government will step in just ain’t gonna happen.

What this clip is intended to do is highlight these worthless, impotent con-merchants who are banking on - in more ways than one - people’s ignorance of their rights under law. Remember that these people have as much right to your money as I do to the Crown Jewels. Therefore, they are inconsequential, toothless companies that will a house-brick when you catch them out.

I can’t emphasise enough that if you feel you HAVE to pay the debt - then pay it to the original creditor and nobody else. But join a consumer forum FIRST - www.consumeractiongroup.com and www.moneysavingexpert.com being the two biggest ones - and explore all your options, asking any questions you may have about your debt problem.

Finally, ask yourself this - why should you or anybody else be terrorised into subsiding the CSA’s annual golf tournament, Buchanan Clark and Wells’ holiday home, or one of their weekend -ups?

The UK Collection Industry (spit!) is experiencing a slump due to decreased revenue (aah diddums!), and this is because ‘debtors’ are now becoming more aware of what their rights are and because it’s becoming common knowledge how pointless these companies are, as are the existences of the uni-dimensional call-centre wankers that work for them.

This clip is dedicated to making that slump continue and to put these companies to permanent, long-deserved sleep.

And if you happen to work for one of these companies, then I’m afraid I shall have to pre-empt your replies, and implore you not to waste my time by preaching :-

1. ‘moral duty’
or
2. ‘if you paid your bills…’

If you should mention point 1, it doesn’t suit you. Morals and collection agencies do not belong in the same sentence.

If you mention point 2 and that’s the best you can do, if you want, I’ll go and set a pillow in the middle of the M62 for you.

Duration : 0:8:15

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