UK DEBT COLLECTION - how and why they lie to you Part 2

[cheekychopsem]

You know, I logged off and felt bad for what I said in my last post- you're just trying to offer advice. But not every person who is affiliated with these companies is evil or revels in perceived harrassment of the general public. A lot of the time companies such as Lowell use in-house trace teams and can incorrectly contact an innocent party at a debtor's potential address. Submit a CCA request if you don't recognise the debt- but remember that people are people, some do hide from the debt, ot

[cheekychopsem]

Love it, this advice is so helpful! I've gotten myself into so much debt recently because i've barely had time to get a job- i've been too busy ordering goods with no purpose and avoiding taking responsibilitiy for my actions! I'm really glad you have helped me tar every company with the same brush- because doing the same to debtors is terrible! By the way, in case you didn't realise, i'm being sarcastic. I proudly work for Lowell Financial and genuinely enjoy helping those with genuine proble

[dcamaggots]

@cheekychopsem

Well, if you work for Lowell Financial, don't expect others to offer you much in the way of credibility - especially in that Lowell staff are notorious on discussion boards for being 'touchy' and self-justificational.

A prime example is your post, and this self-importance about 'helping people' - it's all been said before.

Most people haven't the time or the inclination to take their work home with them, and that includes speaking up for their employer.

[fireicer]

@dcamaggots thank you for uploading these videos and sharing this priceless information. Thank you

[tarquinfetherfope]

The Bills of exchange Act 1882 states that once a debt has been paid said debt is extinguished. If they are daft enough to purchase your debt without discussing a contract with yourself, you are under no obligations to pay anything, They send you 'Notices' out which Blacks Law translation are Just 'offers to contract'. Write across the notice at 45%: No Contract, Not Contracting with No third party Interloper with absolutely No standing in Law. Without Prejudice. R.T.S. In their envelope. :')

[screendup]

it is Halifax Bank of Scotland which is Loyds Banking Group, I believe

[dcamaggots]

@screendup

Yep. Lloyds (or Royds, as I call them) don't have a good track record in relation to information requests. In fact, they don't have a good track record full stop.

I daresay Halifax is no different, and if they're under the Royds Banking Group banner now, then whoever was under the old Halifax should change to another bank unconnected with Royds.

[screendup]

good stuff, thank you. I have a few questions:

are we contracting with them by "going through data" with them?

by giving our data to them does this mean we are consenting to our debt being passed to a different department/company?

they are cunning because if we refuse to give data they then have no records of any calls when we ask for a DSAR from them

by going through data with them are we giving up rights because we are then dealing with them as a contract/account and not a human being?

[dcamaggots]

@screendup

The answers to your three questions are all 'no', but it's best to phase out phone contact altogether.

Even written contact shouldn't be made unless it's absolutely necessary.

When you mention about no records of calls, this is Lloyds, isn't it?

[paul25601]

this is mainly not true what this guys aying, im a dept collector, i will always take in circumstances, and you have to be elegable for half this law which he does no about but hell just be some1 in dept thats caused the credit crunch

[dcamaggots]

@paul25601

I've just left a response to your comment on the first clip, but I'm sure people will be willing to believe your 'dept collector' credentials when you can't even spell your own job title correctly.

The second part of your response is so bad in spelling and grammar that I can't actually make sense of it and won't bother to try.

If you can't articulate yourself properly, don't expect others to take you seriously.

[hussainlex]

Great information your "official dca" voice very funny ,big thankyou for this info

[dcamaggots]

Had to be done. I'd suggest my other clips, plus ScabHunterCAG's videos, who is another consumeractiongroup member.

Thanks for the kind words - much appreciated.

[robson1144]

Absolutely hilarious and very informative , i personally moved back into my mums house ,when they ring for me ,i put them on hold with a little music while i have a beer or cig , then politely invite them to come and collect any of my assets - by appointment only , purely because i will probably be fishing and wouldn't want them to have a wasted journey .

[dcamaggots]

robson1144 - You're a quick learner.

I once told had to tell one particularly irritating agency that I had died by falling into an industrial ice-cream maker.

They actually believed me (especially when I went into detail at 'the tragic circumstances' involved!) and apologised for causing distress at 'this difficult time'.

They never bothered to ask who it was that was telling them all this. I knew even death wouldn't stop them from passing my details to another DCA though...

[dcamaggots]

No problem. As long as it helps those caught up in such a situation, there'll be more to come.

I've worked in this industry myself and can tell you that it's all mouth and no trousers. And even if trousers were involved, then there'd be very little in them.

[jaz7471]

thanks for hearing that fantastic for someone in big debt and them wankers that kept calling.