GOOD FOR YOU!!!!!!!!!!!!

I just had an anxiety attack! You kept your self well composed! I would have been screaming.

Have they ever taken any legal action against you thus far. How long has it been?

@Nigntengale please sue

I like that they say “This call may be monitored or recorded”… because I LIKE TO RECORD businesses that practice crooked or unlawful tactics.

Bill collectors are maggots, roaches, pure scum. Their ranks are comprised of the lowest class of people. They’re nasty because they’re so miserable. They’re talentless and worthless and they know it. Deep down they hate themselves. Remember that you’re speaking to a miserable lowlife if you ever have to speak with one and that will be your power. They are beneath you, not even worth spitting on.

This woman is an idiot. Good for you in recording her, if she has contacted you, she has satisfied minimum contacts in the particular state that you reside, so its irrespective if Penn. allows for recorded conversations. The part about their company not being registered in your state was fucking priceless, as was the part when that stupid cunt said she would do everything possible to embarrass you, nice harassment. Typical dumb fucking debt collector ignorant of consumer protection laws.

LMAO I love it

@roxcyn
That is no longer true.

…derogatory information from your credit report. They’ll usually do that without contacting the collection agency at all. I’ve had CCJ’s (Civil Court Judgments) show up as PAID on my credit report. Remember this Maxim: All law is commerce. All commerce is contract. No contract, no controversy. No controversy, no case. It’s a beautiful thing. Don’t discuss ANYTHING over the phone with a debt collector. Request it in writing. That’s the letter you copy when you send your conditional acceptance.

…certified copy of the wet ink signature contract bearing your name, and the name of their agent authorized to bind corporation in lawful contract. Stipulate in your letter that if they don’t produce the contract that they tacitly agree that they have no right to collect said debt. Make copies of everything and send it Certified Mail RRR. After the 30 days pass go online to the credit reporting agencies and fill out the investigation form or send copies and instruct them to remove the …

I had so much fun with debt collectors once I learned how to handle them. I’ve discharged thousands. Here’s what I did: As a third party interloper with no first hand knowledge of the matter, a debt collector who purchases debt has no contract with you. It’s all about contracts. The original creditor collects the insurance on non-performing accounts (face value) plus the collection agency pays them 10¢ on the dollar. Simply (in writing) give the collection agency 30 days to produce their….

@kmbkb ‘Bill collectors act like they paid for what we owe. Fuck em” In many cases that is literially the case – as the company actually bought the debt

He asked for validation. Verfication of the debt is different. They have 30 days to do this. If not, oh well.

@kmbkb “Bill collectors act like they paid for what we owe. ”
Becuase that is exactly what has happened. duh.. They ( in some cases) literally purcchased the debt

@NASTYDEBTCOLLECTORS unless they take legal action in which case it extends it to a further 12 years. Of course its the date fo the last payment not the date when you incuredd the debt that counts.

@Nigntengale “The FTC website it is against the law for a credit collection agency to add interest to a debt”

that isnt true but chances are its probably legal fees in that case

You are awesome, my new hero.

@kmbkb Exactly!!!!!!!! The debt dies with the original creditor who tries to collect and fails. They are insured for that and they should lend responsibly in the first place!
Why should those third-party leeches try and make money for themselves on the back of that?
If they choose to buy someone’s else DEAD debt that’s THEIR PROBLEM, not yours!!!!!

I don’t know how people who do this for a living sleep at night.
When you call someone especially over a third party debt you have NO IDEA what has been going on in that person’s life or why they’re behind in payments.
I couldn’t phone people up for fear they had huge medical bills after cancer or were recently widowed with 6 children.
How can people be so damned self-righteous? I guess anyone can be a bully over the phone……

Did she call you a “fucker” at the end?

Nice job. This happens all the time. I had a book company do this to be once, but I blew it off. My credit was already trashed by my ex-wife.
They think they don’t even have to tell you what the debt is for. “Your verification is that you paid the bill before.”

I absolutely love it hahahahaha

SHE GOING TO GET THE SHERIFF TO SERVE PAPERS ON YOU AT YOUR PLACE OF BUSINESS ??? LOL WITH THE STATUTE OF LIMITATIONS BEING WAT IT IS???THEY’LL HAVE TO PAY THEIRS AND YOUR COURT FEES LOL

this is a good example of how NOT to collecto a debt, being a debt collector myself I am ashamed of the companies that conduct their business this way. The company i manage fully complies with the FDCPA and the FTC and thanks to that in all the time we have been operating we have not been sued!!!

@Angelhaven95

At the right time, I might. Need to retain it for now, though – just in case.

Allied are notorious for brashness and rudeness in the UK, as a cursory glance at UK forum sites will immediately tell you.

Their UK office is in Glasgow, Scotland, and that office is staffed exclusively by contradictory, brash, ignorant, unhelpful neds (a well-known Scottish insult). I daresay that there are more lobotomy cases there than in Bedlam.