GTAMANIAC1999’s webcam video Sat 26 Dec 2009 12:36:46 PST

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Watch Manish Malhotra – Bridal Collection – Lakme Fashion Week. Visit us at http://www.rajshri.com for the latest bollywood film reviews, makings & trailers.

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Viktor & Rolf Spring Summer Collection 2008

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First Juicy Couture slideshow.
- Updates will be added up soon. (Part 2 is available now!)
*Yes. Its 100% authentic.
- Enjoy.

Song: Britney Spears – Circus

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***UPDATE!
Sorry if I confused anybody, but the order I would generally go in is to issue the Credit agreement request FIRST, then go down the formal complaint route. Some may prefer to enclose the agreement and complaints-procedure requests in the same letter – everybody’s different.

I should have made this a lot clearer than I did, and apologise for not spotting it sooner.

However, I need to re-embellish the point of making NO admission of debt at ANY point to these people – it may come back to haunt you, and you don’t have to answer anything to them anyway.
***

In my previous messages, I have highlighted the dishonest and sometimes even illegal actions of private collection agencies. Apart from the corrupt UK government’s active sponsorship of the industry in general — and their forthcoming proposal to allocate state debts to Intrum Justitia (a company that shouldn’t be trusted to mop toilet floors!) – I am attempting to highlight how uncontrolled, poorly-monitored an industry it really is. Many such companies don’t hold a credit licence, and many are not registered with Companies House.

More to the point, this industry is directly responsible for aggravating stress, depression, desperation, family break-ups, and even suicide in some cases. And why should you or me actually subsidise all this?

But – don’t be frightened — they have no real powers of their own, are totally irrelevant, and can easily be subdued, and here’s how. Not only that, but you can very easily turn the situation around on its head and actually cost THEM money without cost to you, apart from a few minutes of your time. If you’ve ever been a victim of identity fraud, unwarranted harassment, or just plain old mistaken identity, what follows is what you should do to counter it.

The companies concerned won’t like it, but who cares what they think? What matters is you, not some company that tries to rob your hard-earned with threats and bullshit.

There are more important points that I did not have time to highlight in the speech.

1) You should always start your initial letter with ‘I do not acknowledge any debt to your company’. Even if you do owe a debt, remember again that it’s the original creditor that needs paying, not them. They cannot prevent you from doing so, and if you do choose this alternative, you don’t have to explain yourself to them! Remember also that a collection agency may be quoting an amount surpassing that of what the original creditor have already told you previously. One more reason NOT to deal with an agency.

2) If you do make/receive a phone call from an agency, get the name of the person working for the company. But bear in mind that some of the less reputable collection agencies, such as McKenzie Hall, do use fake names.

3) More often than not, as the 40th day draws near, you will receive a letter from them stating ‘we are no longer handling this account and are returning it to our client’. Translated, this means that the agency cannot obtain the information you’ve asked them for and are running scared in case you make a formal complaint. If this happens, make a formal complaint anyway — they have after all, shook you up with their letter, and that warrants a complaint in itself. If nothing else, this is further assurance that you won’t hear from that agency again.

4) You may receive two letters from two different agencies at or around the same time in pursuit of the same debt. It is unlawful for two agencies to be simultaneously persuing the same debt.

5) A debt you may be paying already may end up being passed to another agency, who will then send a letter threatening further action for non-payment. Remember that even if you do pay an agency as regular as clockwork, it in no way means the threat letters will stop. This usually happens when debt portfolios are sold on other agencies by the original creditor. This segues off neatly into the scenario highlighted in point 4.

6) Have draft letters already prepared for any scenario I have highlighted.

7) There are cases where people make an arrangement with a collection agency whereupon they ‘negotiate’ a percentage lump sum to ‘get rid of’ the debt. Many do this in order to remove defaults from their credit reports. Remember that once the default is there, it will stay there and even if the defaulted debt has since been paid, the report will still have the default listed (the status being changed to ‘Settled’). If the debt is disputed, then a Notice of Correction needs to be forwarded to the relevant credit report body, whether it be Experian, Equifax or Callcredit.

I hope you feel my advice has helped you.

Finally, if you’re stuck on how to draft a written reply to a letter that such an agency writes to you, then sign up on www.consumeractiongroup.com – they have an excellent template letters section, which you can then tailor to suit your individual case.

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A brief synoposis of how rogue collection agencies file fraudulent affidavits and obtain default judgments against consumers who do not know how to defend themselves Distributed by Tubemogul.

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Learn about consumer rights law and find a consumer rights lawyer, attorney or law firm. http://public.getlegal.com/legal-info-center/consumer-rights-law

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http://www.realmofdarkness.net Duncan aka “Daniel” cant seem to pay his bills as he is receiving calls from a Collection Agency, so he dials them back to release his rage. Visit www.realmofdarkness.net for the best Celebrity Prank Calls & Soundboards in the Universe!!!

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Follow my blog!
http://www.makeupbytiffanyd.blogspot.com

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http://twitter.com/tiffanyld

What I’m wearing:
MAC eye shadows: Bronze, Ricepaper, Dazzlelight
Sincere Blush
High Tea lipstick

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