How To Get Out Of Paying Your Cresit Card Debt When Passed To A Debt Collector 😕

How To Get Out Of Paying Your Cresit Card Debt When Passed To A Debt Collector 😕

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#andy_the_gabby_cabby

[matthewenglish]

You should NEVER, offer them £1, that’s the carrot they dangle to get you to acknowledge the debt !! I’ve dealt with many dca’s since 2011 with around £60k between them . No visits, no CCJ’s and never paid a penny back . You must understand the terminology of the letters your sending as well, don’t just send stuff off before understanding what your sending !

[markdaniels]

Another great video. Since you made that video, with what’s happened to everyday British people, it will resonate with more & more. Get it to people. You never know, information like that may help some people with their lives. I had a friend at school in the 1980’s, who after the 2008 recession ended up taking his life because of debt.. He was a lovely guy, great father & husband. He died for what, a few thousand pounds. No “money” debt is worth someone’s life…. Well done…👍😃..

[neats]

You are a true Gentleman Andy, not easy to find these days.

[martinsellars]

This is a stand-up guy. The format is down to earth and ‘real’ 🙏

[aspadeaspade]

Great video. I've been paying PRA for a decade and they wouldn't accept my reasonable full + final offers so I asked for information including the original signed bank agreement and got letter back informing that the debts unenforceable but they still want it. I've blocked their harassing phone number and not paid since.

[SpeccyMan]

"Never a lender nor a borrower be."
"Knowledge is power."

Words of wisdom indeed. A knowledgeable person helped me out when I got into difficulty with my water bill a few years ago. Managed to get two-thirds of what I owed written off using a scheme the water company do not tell its customer about. So my advice to anyone in financial difficulty is to always seek advice as it will save you a lot of misery and worry.

[declantwomey]

Happy st George s Day to all me English Freund's and family 👍🏻👍🏻👍🏻

[JAB]

Great video andy unfortunately i did not use the 3 letter system to get my halifax debt written of when halifax sold my debt to cabot financial i examined the halifax credit card agreement and in that agreement it clearly states that nobody other than we or you cannot enforce this agreement onto a third party (Rights to third party act 1999). What this means is that myself, cabot and halifax must produce a document called a deed of novation with all 3 signatures on the document to allow the sale of the debt cabot could not supply this document so that the debt had to be written of. Also the credit card agreement contradicts the situation by saying, where we halifax cannot enforce certain terms and conditions we can enforce other parts of the credit card agreement making a mockery out of the situation . After a long hard battle they finally given up and wrote the debt of, i also threatened them to leave me alone and if they wanted to they could take me to court to produce this document at their own expense backed by the newspapers

[sallybennett]

Debt = Enslavement, why else do you think the price of essentials is sky high?

[chrisstephens]

What about if you have agreed to a debt management plan

[rolandoscar]

Nice one, Andy. You're a scholar and a gentleman. 🖖🏁

[bustersbashers]

Yes please keep us updated on this line of information, PLEASE 🙏🏻.
Thanks 🙏🏻

[bejoyful]

Cabby in Community Service; certainly this video will relieve great deal of stress and worry to many viewers Andy!

[waynenrich]

And lastly if over 6 years it’s unenforceable. Statue barred

[LizziLou]

There are a lot of people in the UK at the moment who through the complete mismanagement of the Plandemic (zero early treatment plans, being the worst but there’s a whole list) are now out of work and suffering financial hardship. Please post details of your website so they can get the help they need.

[davidwoodford]

If more people watch utube to watch programs like yours then there would be less stress and worrying going on I always watch utube for information about everything from buying a car a tin opener which I honestly did holiday you name there is something for everyone

[robertwillis]

The new 'moneysavingexpert'😊😊😊😊

[hereIam]

Good vid .
But imagine a machine producing a fictitious debt in the first place aka Ai . Probably because an operator ticked a wrong box ? Or several other similar occurrences or software glitches . Or just malicious because they didn't like your accent or tone.

You know you don't owe the money, you know its one of the reasons in the above paragraph.

They will not listen, reason or compromise in any way .. [ a terminator ? ]

Instead it follows the Ai path .. which because there's no " reasoning, listening or compromise " now gets passed by the same Ai to a DCA ..
and starts all over again .
I had this for 5 years ... before" the correction" was made .

What's more, everyone involved in trying to extort the money from me was paid... for every minute of their time.

Whilst I spent every minute fighting for zero .. except the correct out come. With no compensation for the loss of time and aggro. I spoke with 2 barristers and they both agreed it I would probably be wasting my time with the particular " company" involved with their resources .

[billmcculloch]

'they ' will be well versed in debt avoidance, normal working folk haven't got a clue . . .

[rolandoscar]

On the other hand, if you have plenty of cash, open a credit card account with a retailer, and keep your money there. No one bothers to investigate retail credit card accounts. My friend has done it, and laughing all the way to the shop.