Are you being harassed on the telephone by your bank or by debt collectors?

[banker_rhymes_with]

Contribution to socioty????

 

Taking money that isnt yours, spending it then refusing to pay it back......Thats one contribution i think socioty can do without......

 

This Troll clearly failed to attend school, just like the other one!

 

Maybe it's the same Troll?

 

Either way, they'll be getting their jolly old P45s when caught outside of their nice Cubicles. The DCA Canteen Computer must have a whole herd of Trolls surrounding it by now, whooping and clapping that one/two of them can actually type, albeit with only one very chubby finger.

 

Brace yourselves for the next blinding Troll insight...

 

Cheers,

BRW

[JOSH_IOU]

I guess they scared all there customers away today

[Misterzeus]

Target will revert to playground insults when hit; dress forward onto the firing point and carry on.

 

Those of us who have served do tend to look down at some of those who have not. I'm afraid that people who make no positive contribution to society, and especially those who mock people who do, do not deserve any consideration in my view. Perhaps unsurprisingly, this includes the type of oxygen thieves who work for DCAs.

 

When you've come face-to-face with people who seek to kill you, when you've been under fire, and when you've seen what some humans will do to other humans, you might understand where we come from. We play by big boys' rules, and it takes more than some badly-educated urchin in a call-centre to scare us.

 

Well said SP,

 

I know we shouldn't "feed" the trolls but as the wife of an ex serviceman, I find their insults very offensive, therefore I feel the need to respond.

 

EDIT :grin:

Edited August 26, 2008 by freakyleaky
Removing inappropriate suggestion.

[Misterzeus]

oops! sorry freakyleaky, but I'm a redhead and they are known for their fiery tempers

[esporta-victim]

I was interested by the idea of the Credit Unions as an alternative to the banks for loans and savings.

While they can't do mortgages at the moment, I think more people should be made aware that there is an alternative to banks (rather than stuffing cash in the mattress)

[JOSH_IOU]

The area i lived in previosuly did not have a Credit Union

I agree entirely and whole heartley where there are credit unions that cover that area.At least to the first part of your post.

 

But do note that its another new file so im wondering whats to come in the next post.

[MARTIN3030]

This thread and others attracting unwelcome comments are being monitored.

Cag forums are here to advise and protect those seeking justice from an industry that breaks many rules.

Everyone is welcome to air their views but not at the expense of insult or character bashing.Lets see an end to it.

[Enron]

Had an interesting discussion with an operator calling on behalf of Citi at the weekend.

 

I have an account which is in dispute, to which an alleged debt it unacknowledged, and its fairly evident that they don't have an executed agreement otherwise they would have provided it from the source and not the recent terms & conditons which they purport to be the executed agreement.

 

Anyways call centre peeps phoning from India to try and get the arrears they believe are due - even though complaints with the Financial Ombudsman Service.

 

So my viewpoint is that they are trying to sell an idea, the idea that a customer should part with money, make a payment and acknowledge a debt..... thats an idea that I am not buying.

 

So said that i'm not interested in "buying anything today", needless to say the person at the other end of the line sound very miffed for one second before I put the phone down.

[ScarletPimpernel]

Lets be clear... the consumer requests the credit, the bank does not force the consumer. Therefore if you are provided with a service (credit) why should you not pay it back?

 

Gasbags:

 

I refer you to the answers I gave above.

 

You may also like to read the judgment of Morritt LJ in the case of Wilson v First County Trust, which in summary makes clear that if a creditor fails to ensure that all the paperwork meets the legal criteria, he should consider any money provided as a gift, since he clearly did not expect it to be returned.

 

We could also discuss the commission-led high pressure sales policies of banks which arguably give the lie to your statement that consumers are not forced to take credit, and certainly contributed to irresponsible lending; so blatantly irresponsible that it was noticed even by the dysnystaxic FSA.

 

You would not go into asda fill up your shopping trolly and walk out without paying, so where is the difference?

 

 

That would be theft, which is a criminal offence, whilst debt is not a criminal offence. That is one difference; there are others, but they are so obvious I will not insult your intelligence by mentioning them.

[Enron]

If only you'd use some of that scorn for the banks who continue to commit unlawful and sometimes illegal acts on a daily basis without batting an eye lid.

 

As youre trying to bait people, and are not being constructive i'm not going to respond to your comments.

 

People its not worth responding to this person unless he is being serious - especially as its highly likely we are conversing with someone who isn't an adult.

[JOSH_IOU]

Only they seem to have found time to attempt to bother us. I wonder why?

[ScarletPimpernel]

Quite correct, Enron. The type of comment posted by our two interlopers demonstrate an immaturity of reasoning which in other circumstances would be considered wholly inappropriate.

 

To stereotype all those in debt as essentially dishonest is reminiscent of the type of drivel spouted by those who suggest that all people of one ethnic group are thieves, or terrorists, simply because a minority misbehave, or that all Roman Catholic priests are paedophiles because some of them have committed offences against children.

 

To say that those in debt deserve to be treated badly by DCAs simply because they seek to assert their rights is remarkably judgmental, and is rather like suggesting that rape is okay if the victim wore a short skirt or behaved flirtatiously, or that soldiers who die or are wounded in battle deserve no less because of their career choice.

 

The apparently deliberate ignorance of the lack of intent, and of external factors, are also telling.

[Guest forgottenone]

especially as its highly likely we are conversing with someone who isn't an adult.

Thing is ... having come across this kind of thing on other forums ... it is not always a 'minor' ... some more 'mature' individuals do it ... just to pick on people ... get at them ... Makes them feel important about themselves. Because they can do it 'anonymously' from behind a PC monitor somewhere.

 

But, yes, they are baiting ... it's what this individual(s) ... as there are now 'two' or is it one posting? I've also seen that on other forums as well ...

 

Maybe when they grow up ... or ... if they are 'adults' and I use that term very loosely ... as I have encountered plenty of these in my time online ... one day, they will reap what they sow.

 

And one day they will pick on the wrong person. I wish no ill malice towards most people ... but I do make exceptions and those exceptions are with contempt towards people of this nature.

[sosumi]

If only you'd use some of that scorn for the banks who continue to commit unlawful and sometimes illegal acts on a daily basis without batting an eye lid.

 

As youre trying to bait people, and are not being constructive i'm not going to respond to your comments.

 

People its not worth responding to this person unless he is being serious - especially as its highly likely we are conversing with someone who isn't an adult.

Well said Enron.

I find it hard not to be distracted by these troll-posts, and have precious little time and/or concentration to have it wasted. Responding to them is futile, this is how they get their 'kicks' and it's very sad that this is the best they can come up with. Every post I've seen by this troll(s) has been deliberately provocative. The first was blatantly so and removed (yay to the Mods! ).

I can't help but think that they seek reactions the same way the DCA phone operators seek reactions - if they damage people by what they say, I imagine they sit back with a self-satisfied smile... To them it's a 'result'. It's nauseating and very very shallow, and their lives are poorer for it - the saddest thing is they don't see it like that.

I've also seen references on various sites to DCA's suggesting they 'engage' consumer forums... well if this is the best they can do... !

The best we can do is disassociate from them, ignore them, delete their blatantly ignorant posts if possible and focus instead on real people coming here for help and advice. I saw yesterday that this thread had 11 readers - if they distract us, again, it's 'job done' to them. So let's not let them do it.

One day reality will bite their bums. At which point they'll be back under new names seeking advice. To me the real power of CAG is that it doesn't discriminate, and people here will help them then.

[Enron]

If the trolls had a constructive arguement then fair enough, people would probably respond and debate the issues raised.

 

That would require one thing though, the ability not to label people without knowing the full circumstances.

[ScarletPimpernel]

DCAs rely upon not training their staff to be fully aware of the law and regulatory rules, and upon inculcating in them a view that all debtors are bad people. If you look at Cretin Today, or the CSA website, you will see that the executives of these companies like to distance themselves from the reality of what they do, and create an image of high-powered financiers contributing to the economy. In fact, many DCAs are foreign-owned and they are just draining money from this country. They keep a few prospective burger-flippers and tele-ads people off the streets, but that's about the extent of their usefulness to society. They will never admit that they exist as parasites, living off the finance industry and the misery of consumers; they don't even like to refer to themselves as debt-collectors.

 

Like all bullies, they believe they are invincible, and so will never engage realistically on forums like this.

[The GodMother]

C1 keep phoning me. I am logging the calls. when they ask why i wont answer the security questions i say it because i cant prove your from capital one. The best they have come up with u have to speak to us because we are C1.

 

My other line i have just started using is. How can i prove ur from C1 there answer cause i said i was??

 

So if i rang them saying i was from Mafia collections limited and they owed me £15,000.00 they would talk to me on the phone would they?

[JOSH_IOU]

If only you'd use some of that scorn for the banks who continue to commit unlawful and sometimes illegal acts on a daily basis without batting an eye lid.

 

As youre trying to bait people, and are not being constructive i'm not going to respond to your comments.

 

People its not worth responding to this person unless he is being serious - especially as its highly likely we are conversing with someone who isn't an adult.

 

Been down to the courts to try and get my stay lifted today Enron and got one of the girls at the desk to help me out.

 

After going back and forwards picking doccments up all day i snapped and says look what more evidence do you need?

 

She humed and eeeerd and said this should be ok.

 

 

So i says when will i get a hearing she says a soon as the judge has seen the order he will send one out.

 

Lets see if they keep up to there end of the bargain.

Edited August 26, 2008 by JOSH_IOU

[JOSH_IOU]

:)thought id share some promissing news

[The GodMother]

blame the weather for the snapping it hasbeen brill sunsine here all day

[JOSH_IOU]

its been great here all day to godmother.

[The GodMother]

got loads of washing dry

[tiglet]

Been crap here - just like my mood.

[The GodMother]

sorry happy thoughts tiglet

[Brassed off]

C1 keep phoning me. I am logging the calls. when they ask why i wont answer the security questions i say it because i cant prove your from capital one. The best they have come up with u have to speak to us because we are C1.

 

My other line i have just started using is. How can i prove ur from C1 there answer cause i said i was??

 

So if i rang them saying i was from Mafia collections limited and they owed me £15,000.00 they would talk to me on the phone would they?

 

Actually that makes a lot of sense GM - in pre-CAG days I would have believed them - not anymore though

 

Mafia Collections

 

Nobody messes with "da Godmother"

 

Been down to the courts to try and get my stay lifted today Enron and got one of the girls at the desk to help me out.

 

After going back and forwards picking doccments up all day i snapped and says look what more evidence do you need?

 

She humed and eeeerd and said this should be ok.

 

 

So i says when will i get a hearing she says a soon as the judge has seen the order he will send one out.

 

Lets see if they keep up to there end of the bargain.

 

Nice one Josh