smug debt collection agency makes threats it can't carry out lol

[Ecad82]

Hahaha!! Centurion1688 you got SCHOOLED!!! He handed your arse to you! Haha epic fail! You jobless thick scroat

[Nass2006]

he made u look a right dik!!! JOBSEEKIN CRACK ED!

[NoDestinyLive4Now]

LMAO hilarious mate!

[rodjames98]

Lol!

[MsCat024]

Pictures are great..LOL

[JessOnTheRun]

in the US if a company makes any kind of claim or legal threat that it doesnt intend backing up, its considered illegal and will be charged by district attorney.

[pr9nkaholic]

Hello Kitty, are you listening?

[steptoesaunt]

Debt collectors= cunts

[JayCFunnyman]

This was jolly good fun! Gotta love those Brits! They don't take crap from anyone, especially debt collectors!

[crownofficer]

lying cunts

[strapen2good]

Oh thank you so much. This was great. I met a collection agent woman, and there are some agents that believe that anybody in default deserves to be pissed on. Their smug lawyer talk, and empty threats, don't work on me anymore.

[gomety]

Pictures are excellent.

[colescreditrepair]

LMAO! OMG! THE PICTURES! TOTALLY AWESOME!!

[seanothan9999]

british people are sooooo clever and proper while being total duches. also, lol @ the monkey pleasuring itself.

[HNK222]

Man: Hello. I'd like to have an argument please.

Receptionist: I see. Well, do you want to have just one argument, or were you thinking of taking a course?

Man: Well, what is the cost?

Receptionist: Well, It's one pound for a five minute argument, but only eight pounds for a course of ten.

[61shirley]

awesome

[Tzimnewman3]

Call 999 ask for Police.

Police: Can I help you?

Debt Collector: Yes can you contact O2 for me?

Police: No problems I'll connect you now since we don't actually do any crime prevention work.

[pairostrike]

fucking debt collector, I despite them!

[MackMsMary]

Lmao. i love that you said "your company....is fulll of....shit." heheheheehe "a whole lot of waffle" omg my favorite.

[psteverific]

@dcamaggots

" How does he deserve that money?"

How about because he allowed the person to go into debt with him in the first place?

What you fail to realize is that without agencies such as this, it would be a lot harder for honest people to borrow money.

Also, many buisnesses run on a very tight budget... if we're talking about a smaller buisness, a Landlord for example, not paying money owed could be causing undo hardship to someone else and their family.

[dcamaggots]

@psteverific

"How about because he allowed the person to go into debt with him in the first place?" - Ah, but you said in the message before that "And you don't owe the guy on the phone anything, he's collecting on behalf of a third party". You're contradicting yourself.

"What you fail to realize is that without agencies such as this, it would be a lot harder for honest people to borrow money." - How so? How do collection agencies make it easier for 'honest people to borrow money'?

[psteverific]

@dcamaggots

There's no cotradiction there whatsoever. Not sure what you're trying to read into that.

And if people don't pay back what they owe, there is no incentive to lend money, it's that simple.

Is that hard for you to understand?

[dcamaggots]

@psteverific

“There's no cotradiction there whatsoever. Not sure what you're trying to read into that.” – You said in the first message that the guy doesn’t owe the guy anything because he’s collecting for a third party, the second one says 'How about because he allowed the person to go into debt with him in the first place'.

If you understood what the word 'contradiction' (not 'cotradiction') means, then I shouldn't even have to be pointing that out to you.

[psteverific]

@dcamaggots

"You said in the first message that the guy doesn’t owe the guy anything because he’s collecting for a third party"

C'mon, you're smarter than that. The guy on the phone and the person owed are two different people. No contradiction.

[dcamaggots]

@psteverific

True, they're different people.

Which means that the guy on the phone is not owed a penny - which means that the 'debtor' doesn't have to pay him, or even deal with him at all.

You've actually said this twice now.

In another message, you say 'he allowed the person to go into debt with him in the first place'. But, you previously said 'you don't owe the guy on the phone anything'.

It has to be one eventuality or the other, but it can't be both.

[psteverific]

@dcamaggots

"Which means that the guy on the phone is not owed a penny - which means that the 'debtor' doesn't have to pay him, or even deal with him at all."

No, the debtor is obligated to repay his debt. It is perfectly acceptable for one to hire people to provide a service. The collections is acting on behalf of a third party, as I have already stated.

You're just trying to confuse the issue.

[dcamaggots]

@psteverific

There's nothing confusing about the issue - you contradicted yourself in separate messages and I merely pointed out why this was.

In this case of 'this debtor', as I previously pointed out, you don't know and have no way of knowing if he owes the money that's been claimed or not. You say 'oh yeah...we know he owes' - no, we don't know if he owes at all. For all you know, he could be just stringing the company along because he's sick of getting calls from them.

[dcamaggots]

@psteverific

”And if people don't pay back what they owe, there is no incentive to lend money, it's that simple.” – With the fuck-ups committed by the financial industry in recent months, it’s best that people keep them at arms length as much as possible.

You keep mentioning lending - the collection industry doesn’t do lending. It collects, hence that is why it is called 'collection industry'.

[psteverific]

@dcamaggots

"How do collection agencies make it easier for 'honest people to borrow money'? "

This is a reasonable question.

Think about the bigger picture. If banks were unable to recover the money they lend, they would not lend money.

If electricity providers were unable to collect on 20% of their accounts recievable, electricity would cost 20% more to recoup those losses. The poor and most vunerable suffer.

If 20% of rents went unpaid, landlords would not rent to the poor.

et cetera

[dcamaggots]

@psteverific

Banks are quite capable of performing collections duties themselves - they don't need external companies to do it for them. Many banks already do this.

Companies themselves - whether electricity, or rent, or whatever else - are also quite capable of performing collection duties.

My position is that the collection industry is basically useless, and that a dispute between vendor and debtor is up to them to resolve - third party involvement merely clouds the issue.

[psteverific]

@dcamaggots

yes, banks and other industries are able to perform collections, many do have internal collections department. We don't know if that is the case in this instance, do we?

Many industries contract out, contracting out debt collection is no different.

If it is more cost effective to hire a third party that specializes in this field, that is the route that should be taken.

How does it cloud the issue? If you owe the money, pay it. If you don't, resolve it.

[dcamaggots]

@psteverific

"How does it cloud the issue? If you owe the money, pay it. If you don't, resolve it." - If you don't, there's nothing to resolve, because it's none of your concern.

[psteverific]

@dcamaggots

You're calling me on a typo... really? yeah, that's pretty mature.

Yes, it will get the employee on the phone somewhere... the same hourly wage he gets every other hour of the day.

And if you owe money, it's your responsibility. You want a deal, be polite and work with them. Agencies will often stike a deal for as little as 30% of the total debt, and payment plans are a no brainer.



[dcamaggots]

@psteverific

"You're calling me on a typo... really? yeah, that's pretty mature" - I'm calling you on several typos. You're not best placed to call people 'deadbeats' or 'idiots', if you're making noticeable mistakes in basic spelling and grammar.

"Yes, it will get the employee on the phone somewhere... the same hourly wage he gets every other hour of the day." - If no-one pays, then his job won't last long.

[psteverific]

@dcamaggots

Not sure how you connect the word Deadbeat to typing skills, your clearly lashing out because you don't have a valid argument. 

[dcamaggots]

@psteverific

Erm, it’s ‘you’re’. Once again, if you try to lecture others on level of intelligence, but can’t articulate your point properly, then it undoes your own argument. Not difficult to understand.

[psteverific]

@dcamaggots

Criticizing my typing skills does not make your point regarding finance any stronger... it just makes you look childish.

And don't think your going to embarrass me into conceeding your point either.

This discussion is a casual diversion for me, I'm not proofreading anything, nor do I care what a bunch of people on you tube think of my grammer and punctuation.

[dcamaggots]

@psteverific

"This discussion is a casual diversion for me, I'm not proofreading anything, nor do I care what a bunch of people on you tube think of my grammer and punctuation." - Fair enough. If you want to cast doubts on the level of intelligence of others, then that's up to you.

But if you're casting those doubts in writing, then you look stupid if you spell key words incorrectly - and I notice that you're still doing it, which doesn't really say very much for you.

[psteverific]

@dcamaggots

Notice how I have refrained from stooping to pointing out your typos?

It's petty, and serves only to distract from the weakness of your position.

[dcamaggots]

@psteverific

And what's weak about it? Once again, if you judge peoples' intelligence, then you have to appear intelligent yourself. If you can't do that, then that doesn't say very much for you.

[psteverific]

@dcamaggots "If no-one pays, then his job won't last long."

In the real world, the vast majority of people contacted by collections realise their obligation to pay what they owe.

But let's think about what would happen if 100% of the population refused to repay their debt.

Interest rates would skyrocket, the dollar would be severly devalued, and the only way anyone would be able to get a loan is if they could show sufficient collateral

In other words, the poor would suffer.

[dcamaggots]

@psteverific

“In the real world, the vast majority of people contacted by collections realise their obligation to pay what they owe.” – Depends on the company. Some companies are fly by night operations.

”But let's think about what would happen if 100% of the population refused to repay their debt.” – There wouldn’t be a collections industry - fine with me.

[psteverific]

@dcamaggots

”But let's think about what would happen if 100% of the population refused to repay their debt.” – There wouldn’t be a collections industry - fine with me.

You've totally ignored my argument.

Would you like interest rates to skyrocket? Would you like to be unable to get a loan to buy a home, or a car, or start your own business?

Would you like large corporations to be your only employment option because independant entreperneurs could not secure start-up capital?

[dcamaggots]

@psteverific

"You've totally ignored my argument." - We haven't had an argument yet.

"Would you like to be unable to get a loan to buy a home, or a car, or start your own business?" - I've got a home and a car, thanks. Never wanted to go into business.

"Would you like large corporations to be your only employment option because independant entreperneurs could not secure start-up capital?" - Large companies and government departments in my region are already the only employment option.

[psteverific]

@dcamaggots

" I've got a home and a car, thanks. Never wanted to go into business."

That's a pretty selfish perspective. I'm sure there are many people right in your neigbourhour that aren't as fourtunate as yourself.

Pretty clear to me at this point that you are capable of understanding, you just choose not to.

This debate is starting to get boring, you have no valid points, you're just being argumentative.

I think I'll move on to something else.

Have a nice day :)

[dcamaggots]

@psteverific

Why isn’t Youtube displaying comments I type up? Ah well…

“That's a pretty selfish perspective. I'm sure there are many people right in your neigbourhour that aren't as fourtunate as yourself.” – What’s selfish? You asked “Would you like to be unable to get a loan to buy a home, or a car, or start your own business?" – meaning that the question was directed at me, myself, I – no-one else.

[dcamaggots]

@psteverific

”This debate is starting to get boring” – I was getting bored after the first reply.

“you have no valid points” – Any points you've made are inane at best, and you still can’t answer why you think he owes.

“you're just being argumentative” – If you can’t compete, then maybe you should get out of the arguing game.

”I think I'll move on to something else.” – Shut the door on your way out.

“Have a nice day :)” – Thank you. You have a nice day too :)

[dcamaggots]

@psteverific

”Interest rates would skyrocket, the dollar would be severly devalued, and the only way anyone would be able to get a loan is if they could show sufficient collateral. In other words, the poor would suffer.” – None of this would happen if companies played straight to begin with, and besides, who with any sense would be inclined to lend anything? We know how much the word of financial institutions is worth.

[psteverific]

Oh yeah... we know he owes because he's acting like an idiot rather than just clearing up a misunderstanding.

I have had that happen to me, Collections called for me at work to collect a debt owed by someone with the same name as I who happened to live in the same neighbourhood.

It took one (polite and quite pleasant) phone call to the agency to clear thing up.

Ten minutes out of my day, hardly an effort at all.

[dcamaggots]

@psteverific

"Oh yeah... we know he owes" - No, you don't know.

"because he's acting like an idiot rather than just clearing up a misunderstanding." - How do you know he's not just pulling the company's strings for a cheap laugh?

"I have had that happen to me, Collections called for me at work to collect a debt owed by someone with the same name as I who happened to live in the same neighbourhood." - Companies should not be calling works numbers.

[psteverific]

@dcmaggots

Bullshit. yes we all run into complications... I have, but if you work with collections, you can work out a deal. If you act like an asshole with no intention to make good on your debt... gess what, they aren't going to be sympathetic.

no, wasting their time will get you nowhere. And you don't owe the guy on the phone anything, he's collecting on behalf of a third party. Someone who actually deserves the money owed, not just some deadbeat.

C'mon... grow up

[dcamaggots]

@psteverific

"no, wasting their time will get you nowhere." - It also won't get them anywhere.

"And you don't owe the guy on the phone anything, he's collecting on behalf of a third party." - Then, if it's owed to the third party, it's up to them to pursue.

"Someone who actually deserves the money owed, not just some deadbeat." - Does he? How does he deserve that money?

"C'mon... grow up" - I am grown up, but your spelling and grammar suggests that you haven't.

[psteverific]

Jackasses!

Look, it's simple. Don't borrow money you can't pay back. Noone likes a deadbeat.

But for crying out loud, if you are in debt, don't think you can piss off the collectors by being an anoyance! THEY DON"T CARE! The whole time you're acting like a cock trying to get under his skin, he's getting paid.

You don't owe the guy on the phone any money, he doesn't care how long it takes you to man up and pay for what you owe... he gets paid either way.

[dcamaggots]

@psteverific

"Don't borrow money you can't pay back" - Smug complacency. Sudden financial downturns, sudden illnesses - all quite possible in your case as well, as with anyone else.

No, they don't care - but if enough people don't pay their company and waste their time, then they will care.

"You don't owe the guy on the phone any money" - Then nobody has to pay him.

"he doesn't care how long it takes you to man up and pay for what you owe" -

How do you know he does owe?

[anvil357]

LOL give it to 'em

[loganachilles1982]

" have a good laugh at you" wtf??? And these are professionals at work who call you a liar, and insult you? Scum who work for these agencies should be arrested, seriously, if for nothing ekse than their repeared , harrassing, insulting attitude

[TheRippingCorpse]

Great stuff!

[battlestarone]

if you have depts in the uk of £15k or more go to your local CAB and ask about a DAS,this will pay off you depts over a period of time up to 10yrs and write off all intrest and charges at the end of the term,you pay a fixed amount every month and thats it,though you will not be able to get credit after the das has finished for 6 years.

if you are in dept get advise from your local CAB asap

[Killieguy84]

A good way of stopping grief from debt collectors is by not getting credit for stuff that you have no intention of paying for.

And I can guarantee that every person who is saying that this is "two fingers" up at the debt collector,has been or are going to be visited by baillifs.

[dcamaggots]

@Killieguy84

And I can pretty much guarantee that a bailiff's visit won't happen if no enforceable paperwork exists.

[immcguyver072]

awesome!!!!!!!!!!

[therhythmicmenace]

lol 5*s

[freddiefernandez]

I can't believe England or New Zealand or what has the same shit as in the states.

[oklahomasongwriter]

Its not defamation of character when you call someone a name! Its when you tell someone else that someone is a puss.... When you tell it to their face its called cutting the crap!

[darksidehumourxx]

if they had reported this to the police , you would technically become a witness in the investigation , and they woud be breaking the law by attending your address . THANKS ONCE AGAIN GREAT VID MORE PLEASE

[squatalota]

Bastard Bailiffs should be shot on sight.

[therhythmicmenace]

I would rather see them hang, sad bastards.

[Ste2343]

If these debt collectors are desperate for money we should tell them to apply for a bank loan instead of harrassing innocent people for money with idle threats.

[dcamaggots]

Got to know who this company is - they sound like true dicks.

Believe me, if consumer websites like MoneySavingExpert or ConsumerActionGroup got to know this, then their lives would be made an absolute misery - which is exactly what this company deserves.

They're committing a whole slew of legislative/guideline breaches here, in both the calls you've posted.

[unknownunkownunkown]

why dont they do this in the usa that would funny

[smurfyhandy]

oh they do do this in the usa

[cjellwood]

excellent

[animalcrazy1001]

pay your bills deadbeat. debtors are bottom feeding maggots!!

[wkruk1979]

once u file bankrupt collections MUST!!! stop calling

[dcamaggots]

About two and a half minutes in, this guy says 'we play the calls back and have a good laugh'.

Isn't this a breach of the Data Protection Act, in broadcasting your recorded calls to other office members ('members'  being the operative word!)?

I think it is and the company concerned should be taken to task for it.

I'm dying to know who it is - they sound a right Mickey Mouse outfit!

[KamenDesantis]

ah yes, harassment is resolution, war is peace, good is bad, BS. Debt collectors are not a necessary service, they make profit off other peoples mistakes and misfortune, and they do it with bullying and intimidation and harassment. So why is this person jumped on for not cowering in fear but giving back as good as he gets?

I say its about time more folk picked up the phone and fight back with the very weapons used against us. Keep it up centurion, you do good work.

[NIGGERAPIST]

PAY YOUR BILLS DEADBEAT

[imbored2]

cant threaten in the usa, they'd be outta business.

full of shit! love it.

[gymfreak1978]

is this More Crap ?

[ScaperSteph]

LMAO!!

[dcamaggots]

Better to be unemployed than to lower myself in working for a DCA.

The guy at the agency is a true bell-end in this clip, and a couple of minutes in, is it just me, or does it sound like he's trying to fight tears?

Who is the agency, anyway?

[snowflake1290]

this is the best yet :p