UK Debt Collection Agencies - getting them off your case - Part 1 9 Minutes 13 Seconds
UK Debt Collection Agencies - getting them off your case - Part 1 YouTube link
Author
dcamaggots
Created
August 18, 2008
Updated
December 1, 2008
Length
9 Minutes 13 Seconds
Rating
5.00
Views
981
Description
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 shit 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.