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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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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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 : 0:6:19

Read the rest of this entry »

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 : 0:9:13

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My hero, Dave Ramsey, tells of abusive practices and the violation of Federal law incorporated by debt collectors - particularly credit card debt collectors. Most people do not know that they have rights guaranteed to them by the Fair Debt Collection Practices Act (FDCPA) and debt collectors knowingly and habitually break these laws in order to frighten them into paying.

IT IS NOT AGAINST THE LAW TO OWE MONEY!

Do not allow yourself to be lied to (example: “You’re going to go to jail if you don’t pay this” is one of their favorites!) or treated without the dignity you deserve.

KNOW YOUR RIGHTS UNDER THE FDCPA:

Collectors can NOT call you before 8 am or after 9 pm

Collectors can NOT threaten to have you arrested or charged with a crime if you dont pay

Collectors can NOT continue to call after you have indicated you want them to stop (record your conversation with them, tell them you ARE recording it, write the date and time down in a journal, and follow up with a certified letter stating they may no longer call.)

Collectors can NOT call friends, family members or colleagues repeatedly in order to get you to pay (they may call your acquaintances ONCE in order to track you down and may NOT mention that you owe money or give ANY information that would lead someone to believe that they are attempting to collect a debt.)

For more information on your rights under the FDCPA, please visit my website at www.myarrp.com (click on the “Help With Credit” link at the top.)

To the scum debt collectors reading this: We’re mad as and we’re not going to take this any more! We the People are being educated as to your tactics, garnering strength and numbers, and proposing legislation. We’ll be in touch with you…

Duration : 0:5:56

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