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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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 RodrÃguez, 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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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 Association 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.
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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 piss-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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Juicy Couture Experiences Holiday Growth as Tourists and Celebrities Flock to New Flagship Store in New York [19-Dec-2008] Despite the economy, lifestyle brand Juicy Couture (www.juicycouture.com) continues to experience tremedous traffic this holiday season in its newest flagship store on New York’s 5th Avenue. With a wide array of categories including shoes, swimwear, sunglasses, intimates, kids/baby, men’s (Dirty English), jewelry and leather goods, the brand’s recent New York store opening attracted a star studded cast. Available video from the opening includes footage of co-founders Gela Nash-Taylor and Pamela Skaist-Levy as well as actors Blake Lively, Penn Badgley, Sarah Michelle Gellar and Gina Gershon amongst others
http://twitter.com/SongbirdDiva
Here is my collection of Benchmade auto knives.
Indian Clothes Designer Dresses collection by www.indiafashionexpo.com including Sarees, Wedding and Bridal Lengha and salwar kameez wear and outfit.
Fashion designer Neeta Lulla showcases her newest collection at the Indian Lakme Fashion Week 2009. Neeta Chandra, Bhagyashree, Shreya, and Sameera Reddy attend the show. 
Just showing you some shiny things!
The Pervert is back to pay his bills with the collections agencies who harass him. Unfortunately his perverted instincts take over!! With special appearances by Rick the Mullet Man, Epic Crazy Lady and Drug and Alcohol Lady.