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

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***

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• credit
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• buchanan
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[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.

[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?

[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

[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. :')

[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.