You are 100% correct. I managed a large C & C agency for years and wondered why people pay at all. It does NOT help the score. It keeps the account alive for 7 more years. It takes money that you will need. Start saving! Pay cash or use debit. Never settle a debt. Keep the money in your pocket where it belongs Tip: Only people who need to get a car or home are virtually forced to payoff a collection account; otherwise NEVER DO IT!!!
@malayaanderson8222
Жыл бұрын
@Richard Fox okay morally I’m sure everyone would like to pay, but financially sometimes people can’t. Morals doesn’t put food on the table.
@VikingSimon2503
3 жыл бұрын
These clowns do make me laugh, they says it's 'data protection', when you ask them if they are quoting the data protection act, they say 'yes', when you then ask them what part as you have it on your monitor. They change to 'it's company policy', when you then say you do not work for their company and you don't have a contract with them. The line usually goes dead. Try it.
@dbrown51967
4 жыл бұрын
if you recieve an offer of a reduction of the amount owed, it means that the debt has been sold to debt collectors and when one collection agency fails another will buy the debt and try their hand at trying to recover the debt and so on.
@daveduckshoot2847
5 жыл бұрын
40% of zero = ZERO!
@derekaskey3727
8 жыл бұрын
I am amazed some of you say just pay your debts, Especially you Solo Gals, Not all of us deliberately fall in to debt,I became disabled and was unable to work, and ran up many debts while in hospital through no fault of my own,These nasty shithouse companies are still chasing me, There not even the companies I had the debts with, there third party piranhas making a living out of other peoples misery,Solo Gals one day you will get in difficulty no matter who you are and I really hope you have to face the bailiffs, It might change your child like attitude on life,
@NBMedia8928
8 жыл бұрын
well said anyone call fall on hard times
@miguelthecreditor1232
8 жыл бұрын
+Derek Askey the fact is at least here in the U.S. is that there is no money to pay anything the 1933 bankruptcy under HJR 192 specifically says that all debts are prepaid and pre taxed, when you get your statement (notice its not a bill) it has a positive number ,meaning ita a credit and they just need your signature so they can get paid out of your estate. the banks and govt. dont have anything!! they produce nothing do some study people!!! the banks get paid over three times what they gave you, when you default they are paid by insurance contracts known as credit default swaps, they are just looking to double dip to see if you know what is going on, most people do not know what is going on, instead of doing some study they rather watch football and drink beer!
@iamthefuture5895
8 жыл бұрын
+miguel thecreditor thank God there is people out there like you,not much to say really but to tell people to learn about the bills of exchange 1882 and do they know that a bank giro credit is credited to them and it's all they got to if they do they homework is transfer it back to who ever sent them the giro slip,people are brainwashed for they have been told nothing is for free but it is,that's if they do they homework mind.
@siriusjones956
8 жыл бұрын
+miguel thecreditor Never thought of that. But, you will still get a hit on your credit report. I dont think it wise to say 'pay nothing'.
@miguelthecreditor1232
8 жыл бұрын
+Sirius Jones again I will say do what you want I am not advocating anything other than study! you have been given some info. what you do with it is your business my friend :)
@NeilRoy
7 жыл бұрын
Awesome! I am happy for you. If this were the monopoly game you just got a card: "the collection agency has made an error in your favour" ;)
@mark006868
7 жыл бұрын
I'll don't want to brag...but...I'm rich enough to pay "nothing" every day ten times a day for the rest of my life....lol
@doonthepan
9 жыл бұрын
ell done . never laughed so much for ages... brilliant. you are a gem. great attitude. enjoy.good luck.
@NBMedia8928
9 жыл бұрын
doonthepan cheers :-)
@doonthepan
7 жыл бұрын
just watched you again =zero?? today 13/09/2017 . still laughing out loud. brilliant . enjoy .
@donixion4368
7 жыл бұрын
Lol, " I can pay you nuthin all day"! I cracked up.
@TheAussieStig30
8 жыл бұрын
It really pisses me off when I phone a company and I give them my name and address, phone number, DOB and a reference number and they still want more proof. Did I just guess the other verification things?
@waterbottle4782
7 жыл бұрын
40% of 0 is still 0. I love this video.
@420fan3
4 жыл бұрын
I can give u nothing every day that was brilliant im going to be laughing at that all day
@guym3398
7 жыл бұрын
if they offer you a discount there at there last leg tell them to do one
@adamzy1691
11 ай бұрын
Data protection is a load of bollocks, and is annoying for the company's call handler slaves to demand when there's no joiner or consent
@69king101
9 жыл бұрын
LMFAO!! how can you pay 40% of a £0.00 that makes £0.00 all day long. Fuck them mate keep the letter and show the Courts if its gone that far.
@Steve-zh6zn
6 ай бұрын
40% of nothing is nothing.
@Brightstarlivesteam
4 жыл бұрын
You need to contact the credit reference agencies ad vising them to remove the any reference to the so called debt . Offer to send them a copy of the letter showing a zero balance owing.
@1967fateh
8 жыл бұрын
this guy is cool and brutal that the right way to deal with this robbers.
@anayayoung731
7 жыл бұрын
1967fateh its not robbing if you owe the money😒
@1967fateh
7 жыл бұрын
Debt collectors they Ed 250 pounds to what you owe so u don't owe them nothing they are just robbers
@army764
8 жыл бұрын
Data protection = joinder
@Doonie310
8 жыл бұрын
+Cameron Finch indeed Cameron
@NefariousVirtuoso88
8 жыл бұрын
+Cameron Finch This is an internet fantasy. No such thing exists.
@Doonie310
5 жыл бұрын
NefariousVirtuoso88 lol! Are you sure ? Gave you ever read a book ? Failing books, use google
@Jack__Reaper
7 жыл бұрын
I love winding debt collection companies up
@FusionTrendsz
7 жыл бұрын
lol that's awesome, you don't have to pay them 0 , I'll pay it on your behalf
@NBMedia8928
7 жыл бұрын
+ArabMagazine ahh thank you lol
@AmsterdamagedHQ
7 жыл бұрын
ArabMagazine Put your wallet away.....I got this..
@doubletap5714
8 жыл бұрын
I may be wrong but if your details and alleged debt are sold to a third party debt collecter, then the debt has been paid ine full.. i just to say thank you to the people that called me,, they have bought your debt,, so now its theirs not yours,, you didnt ask for it to be sold, did you ?
@NBMedia8928
8 жыл бұрын
your spot on there
@sharnesegarner6165
8 жыл бұрын
I hope you're joking
@doubletap5714
8 жыл бұрын
Joking about what ??
@sharnesegarner6165
8 жыл бұрын
+Double_Tap 101 lmao your debt will always be your debt. even if a debt buyer buys it, your debt will still be reported on your credit report. not theirs.
@doubletap5714
8 жыл бұрын
Ask them for a copy of the document that has BOTH yours and a THEIRS (a human one in wet ink) they cant produce it because you have NO CONTRACT with them,, any monetary issue is a CIVIL case,, and therefore have to be treated with CIVIL LAWS,, and civil laws are CONTRACT LAWS,, contracts require a signature,,
@Gary0557
4 жыл бұрын
I don't know if the agency guy thought he was being wound up or not.
@Weird-City
9 жыл бұрын
Please make a video of you saying "Now then now then, how's about that then, now then". You should have gotten Lisa to confirm the details and then held them to the zero payment to clear the debt. I think they would be legally bound if you have it in writing.
@NBMedia8928
9 жыл бұрын
I've kept the letter so if anything comes of it I've got the proof that I owe them nothing... haven't heard anything from them since this phone call..
@fragdad
5 жыл бұрын
I think you should have made a payment plan. Haha
@J2897Tutorials
8 жыл бұрын
You can't divide by zero...
@J2897Tutorials
8 жыл бұрын
Just pay the full amount of £0.00 and ask them to refund you the remaining 40%.
@J2897Tutorials
8 жыл бұрын
And if they refuse to, then contact your solicitor.
@chevy57pkup39
8 жыл бұрын
You should give them an incorrect reference number and a fake name and let them try to look up the account and when they can't find it tell them you were ready to pay in full but it's a one time offer an if they can't accept you are withdrawing the offer to pay in full.
@NBMedia8928
8 жыл бұрын
+Chevy 57pkup hahaha next time
@lodersracing
4 жыл бұрын
Why would they ask him to pay £0 ?
@davidfreestone5239
8 жыл бұрын
Wow! That was a huge debt lol
@nickpage7684
2 жыл бұрын
Bcw are a bunch of clowns we had problems for a guy who moved out of our property 20; years ago.So its unenforceable after 6 years. I told them I will get my uncle to investigate you and the guyas he isthe top man in HRMC They soon backed off and stopped all contact.
@simondamsell5508
2 жыл бұрын
if you called them to pay £100 or more would they say no because of data protection
@evANGEListic
5 жыл бұрын
The guy on the phone is obviously very slow.. haha he doesn't even understand the data protection act.. this is one fine example of how the people on the phone are trained to be wrongly informed and very unhelpful like this .. lol still quite comical haha
@tomas-jj3gm
2 ай бұрын
So what about your data protection they've got your data without your say so
@TheLastCrumb.
5 жыл бұрын
Debt collectors😂😂a completely useless job. They have no legal authority over anything, the can pretend to be bailiffs (enforcement agents) but they are not.
@initialb5009
8 жыл бұрын
they don't want money and its impossible to pay them nothing.
@NBMedia8928
8 жыл бұрын
+Ravenous Fallen not had a single letter since this video lol
@grahamclark6650
7 жыл бұрын
Noseyb'stard 8928 Have a great day, your a great guy.
@grahamclark6650
7 жыл бұрын
Lol
@j.c.nightwalker5322
7 жыл бұрын
I don't know what happens in Britton but in Canada the collection agency loses when they make a such a careless mistake. By the way the video was hysterical 😂
@NBMedia8928
7 жыл бұрын
+J.C. Doucet haha thanks never heard anything from them after this video
@j.c.nightwalker5322
7 жыл бұрын
Noseyb'stard 8928 so they didn't sell the debt to another agency then
@NBMedia8928
7 жыл бұрын
+J.C. Doucet no they can't with the evidence I've got against them hahaha
@comixmind
Жыл бұрын
if its an error its proved in court you still have to pay... its a clear error...
@jamiesplinter8758
9 ай бұрын
Its just a sneaky way for them to get and u confirm all ur details to get the debt live again facts never give them information
@bankerlies6121
2 жыл бұрын
They have to send that to cover their ashtray.Because they pperate illegally
@duncan1945
4 жыл бұрын
BRILLIANT !!!!!!! HA HA HA HA HA !!!!!!!
@usernametaken3792
2 жыл бұрын
Would have been better if when he called you "sir" you asked him was he taking the Michael.
@NightOwlGames
8 жыл бұрын
i love how you do it :D
@watermelon5131
7 жыл бұрын
Credit Card Companies prey on those whom the Banks turns down for an equity loan on their home. Your home can have over one-hundred thousand dollars in equity, but if they deem your request for one-tenth of that does not meet their criteria they will turn you down and then a week or so later send you a pre-approved credit card with a 20% Interest rate.
@hughjanus8908
4 жыл бұрын
You rock mate lol!
@ronaldburrow1600
4 жыл бұрын
I just block the phone number and video the debt collectors. And put the video on KZitem and they can't make you pay something you don't have. Especially when money is hard to come by now days. So the jokes on the collector ha ha ha ha ha!
@jackflash128
7 жыл бұрын
can't they get the contract from the original people owed.
@davidscole5549
9 жыл бұрын
Not nothing mate, they want you to pay 40% of nothing do your maths, Rp% of nothing is
@colbags100
7 жыл бұрын
brill..you made my day!!!!
@NBMedia8928
7 жыл бұрын
+colin baguley glad to have been of service lol
@angelalee1774
8 жыл бұрын
he can pay for that cell phone! pay your debt!!
@techgeek2000
7 жыл бұрын
Angela lee it's was £0 though 😂
@Doonie310
5 жыл бұрын
Did you watch the video? He tried to pay
@theimaginarygallery5935
7 жыл бұрын
The caller appeared to be committing fraud by claiming to be someone he was not. Refusing to verify security info only made this more obvious. But I have heard of this happening, the lender makes error on letter and actually does tell a percentage yet some glitch makes it print out with the settlement amount of $0.00. Technically/legally the caller could agree to the $0 because (even though it was obviously a mistake) things in writing are legally binding-mistake or no mistake. Only potential problem is that the Gad-Damn IRS would require the person who owed the debt to claim its entire balance as income via 1099c. Interesting.
@panzermkii7675
8 жыл бұрын
40% of zero is still zero. :P
@marcb8934
3 жыл бұрын
The guy on the phone Ah alright then Annoying
@newwelshaudits2126
4 жыл бұрын
Brilliant
@Emotion22
8 жыл бұрын
mathematical geniuses obviously :) good stuff..
@markmatthews1569
4 жыл бұрын
I Sold my car to a Complete Muppet who gave a false Address etc and he got a Parking ticket the Debt is now £250 and i have to pay them
@tideswell7799
4 жыл бұрын
@MARK MATTHEWS No you don’t. You are not responsible for the debt provided the transfer of ownership of the car was correctly handled.
@SuperNigel666
5 жыл бұрын
It's obvious that it's an error, does not give automatic right to not pay your bills,,,
@Dearestdear56
Жыл бұрын
Don't pay anything lol!!! Is there an update on this ?
@NBMedia8928
Жыл бұрын
I never heard anything else from them 😂
@scottishjoycefan1899
7 жыл бұрын
40 per of 0. Equales. 0. Ha ha N must make aware If being recorded
@lostboy5559
8 жыл бұрын
Lol. 40% of 0 =0
@brotherhoodofloyaltymc1411
3 жыл бұрын
Bill them for the cost of the calls
@SteveMidz
9 жыл бұрын
Pmsl brilliant
@timothybrown7792
4 жыл бұрын
Bargain!
@Mortimer_Duke
8 жыл бұрын
Presuming the letter reads as claims, the recipient is trying to use the auspices of errors and omissions to avoid responsibility. Shameful.
@arthurvasey
8 жыл бұрын
Send me 20% of what you owe them for me viewing this video - and do the same for every other viewer - 20% of zero is zero - but zero at 20,000,000,000,000% interest is still zero!
@Itisfinished.
5 жыл бұрын
Hahahahaha,,brilliant.
@kentcyclist
5 жыл бұрын
A debtors prison for you
@thewayweis7619
7 жыл бұрын
can I contact you by any chance ... found out Halifax has outsourced to debt collection agencies in Philippines stating is a department of Lloyd's banking ...the Philippines are refusing to say their company name bur state they are Halifax representatives.. what do you do in this case
@Thelearner1000
8 жыл бұрын
40% of 0 ;-)
@removeunfairdebt8134
9 жыл бұрын
Brilliant :D
@scottishjoycefan1899
7 жыл бұрын
There's no data protection breach As the guy in the office Not gave out personal info. Lol Would recommend. The straw man Mature of the cadge. !! Must watch.
@bungaloboynes
9 жыл бұрын
hay mate theres a Rabbit in your house :)
@peterthomas5251
3 жыл бұрын
Nice one mate
@ghostryder94
9 жыл бұрын
SO FUNNY
@suedonoghue7967
8 жыл бұрын
That was brilliant :)
@vwcamperinteriors
2 жыл бұрын
Fantastic 😂
@fragdad
5 жыл бұрын
What happened next?
@NBMedia8928
5 жыл бұрын
This was the last time I heard from them lol
@mirsad4964
8 жыл бұрын
mate ...I'd put that letter in a nice frame .
@darrenlegg8457
8 жыл бұрын
so funny
@florencekhrasi3380
5 жыл бұрын
Sir pay ur bills on time y so happy about the printing mistake // life happen if u cnt pay on time at least be humble
@GreenhatMedia
8 жыл бұрын
ace
@Gary0557
4 жыл бұрын
Hilarious.
@lesallen643
5 жыл бұрын
Bellend
@edwoodsnowden
2 жыл бұрын
LOL!!
@l8tr597
8 жыл бұрын
shoulda paid your damn debt you owed
@sr0242
7 жыл бұрын
l8tr597. No don't pay them nothing.
@sr0242
7 жыл бұрын
sean huntroyd. How a about a frog.🐸?
@markkenna4104
7 жыл бұрын
l8tr597 he didn't owe anything there con artists
@UltimatelyEverything
2 жыл бұрын
What debt?? They already paid for it so it's wrote off and satisfied as paid in full.
@jackdaniels3704
4 жыл бұрын
🤣🤣🤣
@johnsovcom
5 жыл бұрын
The call hander was right, he needs to clear DP questions, untill you answer them he cannot discuss any detail. He would be in deep dodo
@daytona1212
8 жыл бұрын
How many outstanding debts do you have? ?
@NBMedia8928
8 жыл бұрын
none lol
@daytona1212
8 жыл бұрын
:-)
@daytona1212
8 жыл бұрын
Oops, Moron alert.
@josephinerichardson9663
8 жыл бұрын
LOL
@BedsitBob
2 жыл бұрын
They send you a letter, with the name, address, etc. printed on it, then ask you for your name, address, etc. 🙄
@nicholasakins8529
7 жыл бұрын
lol
@lomaxx27
4 жыл бұрын
Hahaaa teller is a dunce
@GreenhatMedia
8 жыл бұрын
absolute blinder
@NBMedia8928
8 жыл бұрын
Cheers not heard anything from them since
@GreenhatMedia
8 жыл бұрын
can iput your vids on my chanel was no 3 out of 65million searches on google im well known had to delete my vids due to police investgation as instructed by ipcc sec 8 par 3 2002 police reform act i am expecting a very big out of court settlement refure to jimmy wx11 another bailiff
@GreenhatMedia
8 жыл бұрын
+Noseyb'stard 8928 basicly i filmed a collecica bailiff trying to extorte money got charged with sec 39 court act assault by beating i had a valid sick note the court refused to change date police attended first time accepted sick note wife also had just had a 9 pound ovarian cancer removed 3 days in hdu serios bro a week later 7 cops turned up took no regard for legal documents that gave me lawfull exuse they smashed my door in causing injury to 4 poeple cs was spray son got charged with assault pc video showed he didnt do it wen i went to court they treatened me financial terrorisem and made me liable for police action not should get final report in 18 days 30 day statortory just for laughs watch my council tax vid on the same channel the authorities are scared of me they no it also dwp lost 7 grand fighting me in county court regarding videoing
@NBMedia8928
8 жыл бұрын
+Greenhat Media yeah that's no problem..
@MegaScumbucket
7 жыл бұрын
Ha ha ha
@kadianpowell2071
8 жыл бұрын
kmt
@allantaylor2872
7 жыл бұрын
Have you no shame? You are trying to bait a collector into a violation so you can sue them. Not hard to figure out. You realize it is obviously a mistake and you are trying to avoid paying what you owe. There is no difference between you and a common theif.
@grahamclark6650
7 жыл бұрын
Have you seriously not got anything better to do with your time?
@NBMedia8928
7 жыл бұрын
Graham Clark thanks for watching
@grahamclark6650
7 жыл бұрын
Noseyb'stard 8928 Your welcome lol
@NBMedia8928
7 жыл бұрын
+Graham Clark you don't live on Anglesey by any chance??
@grahamclark6650
7 жыл бұрын
Noseyb'stard 8928 No I don't. Why do you ask?
@NBMedia8928
7 жыл бұрын
Graham Clark just I know someone who lives there with the same name :-)
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