We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
Telling the creditors I am BR
gratton20
Posts: 170 Forumite
I am not sure if I should post this as I seemed to stir up bother when I said I joked on the phone before! However here goes ...
All the creditors now know I have gone BR and were nice enough but one was a swine, she was from an indian call centre calling on behalf of ***** (deleted for legal reasons!), wanted my details and cc number - told her I didnt have them as I cut it up. That made her angry, she shouted at me "Why you do that" "you gotta pay"
So I thought ... "Right you b**d" ... "Ok" I said "would you like me to pay all the balance right now because I would love to pay you everything I owe".
PING
She is all friendly, "Oh yes that is very good" she says
I say " I would love to pay all of it at once right this second"
"Let me just get my paperwork a moment ..."
I then leave her hanging on for 20 minutes ... yes she IS still there!
Me - "Sorry to keep you waiting"
Her "No problem sir," (WOOO She called me Sir!!!)
Me - "I would like to pay all that I owe you straight away as I said ... but .. I have just looked at my paperwork and I had forgotten in the heat of the moment ... I went bankrupt this afternoon , the ref no is ***"
She explodes, "You you are bankrupt"
Me "Yes ... now go sort that one, and I remind you that if you now call again you are breaking the law and are liable to prosecution even if you are acting under your employers orders .. Goodbye"
PUTS PHONE DOWN - HARD
Oh ... bliss!!!!
No I don't regret winding her up .. she was a total rude and unhelpful person.
All the creditors now know I have gone BR and were nice enough but one was a swine, she was from an indian call centre calling on behalf of ***** (deleted for legal reasons!), wanted my details and cc number - told her I didnt have them as I cut it up. That made her angry, she shouted at me "Why you do that" "you gotta pay"
So I thought ... "Right you b**d" ... "Ok" I said "would you like me to pay all the balance right now because I would love to pay you everything I owe".
PING
She is all friendly, "Oh yes that is very good" she says
I say " I would love to pay all of it at once right this second"
"Let me just get my paperwork a moment ..."
I then leave her hanging on for 20 minutes ... yes she IS still there!
Me - "Sorry to keep you waiting"
Her "No problem sir," (WOOO She called me Sir!!!)
Me - "I would like to pay all that I owe you straight away as I said ... but .. I have just looked at my paperwork and I had forgotten in the heat of the moment ... I went bankrupt this afternoon , the ref no is ***"
She explodes, "You you are bankrupt"
Me "Yes ... now go sort that one, and I remind you that if you now call again you are breaking the law and are liable to prosecution even if you are acting under your employers orders .. Goodbye"
PUTS PHONE DOWN - HARD
Oh ... bliss!!!!
No I don't regret winding her up .. she was a total rude and unhelpful person.
0
Comments
-
I bet I won't be able to keep my cool like you... well done anyway!
0 -
I love stories about getting one over your creditors lets see some more!0
-
It's because these 'call-centres' are only trained as 'script readers' on a yes/no basis. Any deviation from the 'script' displayed on their screen, that requires a 'thought' input is beyond their comprehension.I am NOT, nor do I profess to be, a Qualified Debt Adviser. I have made MANY mistakes and have OFTEN been the unwitting victim of the the shamefull tactics of the Financial Industry.
If any of my experiences, or the knowledge that I have gained from those experiences, can help anyone who finds themselves in similar circumstances, then my experiences have not been in vain.
HMRC Bankruptcy Statistic - 26th October 2006 - 23rd April 2007 BCSC Member No. 7
DFW Nerd # 166 PROUD TO BE DEALING WITH MY DEBTS0 -
You could have just said no I'm bankrupt and put the phone down as she wasn't worth the 20 minutes wasted.Barclaycard 3800
Nothing to do but hibernate till spring
0 -
Broken_hearted wrote: »You could have just said no I'm bankrupt and put the phone down as she wasn't worth the 20 minutes wasted.
Yes he could have but what fun is that?!! :rotfl:0 -
I've only spoken to one creditor so far - managed to get my tuppence in about not being happy confirming my DoB over the phone since I didn't know for sure who they were! (I did really of course) he was really polite all the way through (even before he knew about the BR) and apologised for bothering me!0
-
I found that all my creditors were exceptionally nice to me when I mentioned that I had declared myself bankrupt.
But, great story :-)DISCHARGED 12th December 2007:T
BSC Member #91
Proud to have dealt with my debts0 -
We loved talking to the Creditors after we declared, most of them left us alone, but a few kept sending letters and ringing up from India..
I did have one company ring my mobile from a witheld number, the gentleman saying he was from 'A Bank' and asked for my details, I just replied that how could I know he was from that particluar company needless to say he got quite irate saying that he didn't care and just wanted my details. He did eventually tell me to ring a number, which of course, I never did 0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354.3K Banking & Borrowing
- 254.4K Reduce Debt & Boost Income
- 455.4K Spending & Discounts
- 247.3K Work, Benefits & Business
- 604K Mortgages, Homes & Bills
- 178.4K Life & Family
- 261.5K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards