Forum Topic: Why do collection agencies...

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Mad as Hell

DJ-Keen

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Posted at: 1/22/09 03:27 PM

DJ-Keen DARK LEVEL 09

Sign-Up: 07/24/03

Posts: 3,143

call you and treat you like shit? I just had the most ridiculous conversation with some dudes on the phone ever!

Just to fill you in, I had a credit card that I was paying on, and I ended up losing my job, living off that card's small limit, and then never had the means to make the payments they were asking for on it.

So this guy calls me, starts inquiring about it, which I ASSUME he's from a legitimate collections agency, since he has all my information, (but you never know these days), and he speaks to me COMPLETELY unprofessionally, like, he sounded like some 17 year old punk they found skateboarding outside the building and put him on the phone with me.

He started asking me all kinds of personal questions, which I refused to answer, and he said something along the lines of, "Well what can we do to make this conversation move forward?" I said, "Nothing. This conversation is going nowhere, I don't even know who the fuck is calling me right now." And he said, "Oh, so you dont wanna talk, so you don't wanna do anything about this account? Is that because you're from Texas?"

HOLD THE FUCK ON

How does where I come from have ANYTHING to do with ANYTHING? This stranger on the phone with some unknown "company" just fucking insulted me because I thought he was a dick and didn't want to talk to him.

So I as I was about to tell him how I felt about him, and his manager took over the phone. He obviously couldn't handle it. I hope it was because of Q&A hearing his insults. Anyway the manager came on and asked me if I was currently employed, I said no, I just relocated so I can't pay the balance in full at this time. Then he started telling me to ask friends and family to give me money to pay for it, and I said I can't. My friends have bills of their own and my parents have 2 house payments, with little income left over. He then tried to tell me that I haven't even asked them for help with my debt, (which is fucking stupid to say to someone, and for the record, I have tried), and proceeded to try to tell me that "I'm not trying to make this work." and that "I can make all the excuses I want" and just flat out tried to make me feel like shit for no reason!

So I told him, "Listen sir, you make these phone calls for a living and I'm sure you get every excuse imaginable, so there's no point in even talking to you because you're not prepared to listen to a goddamn word I say."

And he said, "Fine, then I'll just have to report to the bank that you did not co-operate and this amount of payoff will not be available again."

But he's fucking stupid, one or another collection company will always be in contact with me trying to offer me some "spectacular payoff deal". I mean shit this debt was from January 2006 for fuck's sake.

Anyways, my day is ruined. Sup Newgrounds.

Got any similar drama?


None

HeartbreakHoldout

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Posted at: 1/22/09 03:40 PM

HeartbreakHoldout EVIL LEVEL 22

Sign-Up: 09/16/04

Posts: 11,562

You shouldn't live beyond your means. The first guy shouldn't have insulted you, but you were being uncooperative, and they're just trying to keep their jobs by collecting the debt that you got yourself into.

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darkness-alt

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Posted at: 1/22/09 03:45 PM

darkness-alt DARK LEVEL 02

Sign-Up: 07/12/08

Posts: 93

At 1/22/09 03:27 PM, DJ-Keen wrote: Got any similar drama?

Noap. I don't have to pay rent liek you!

what a unlucky bastard

HAHA! Me's not an alt! Me's a user's brother who TRICKED you into thinking I was an alt!
Perhaps the smartest ting I ever did done~


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Cyberdevil

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Posted at: 1/22/09 03:50 PM

Cyberdevil NEUTRAL LEVEL 36

Sign-Up: 01/17/04

Posts: 14,051

Woah, caller must have had a hellish day, I haven't talked to any agencies acting like assholes yet, still living on the bright side of phonography, lucky me. Thanks for the story.

Designs [ cyberDB ] Writings [ cyberD ] I am who eye B, see my sightings. Poetic.

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Sekhem

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Posted at: 1/22/09 03:51 PM

Sekhem EVIL LEVEL 27

Sign-Up: 02/20/06

Posts: 10,252

This is why you just hang up or don't answer their calls period.

she's a high class lady

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DJ-Keen

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Posted at: 1/22/09 06:08 PM

DJ-Keen DARK LEVEL 09

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Posts: 3,143

At 1/22/09 03:51 PM, Sekhem wrote: This is why you just hang up or don't answer their calls period.

Yeah it's no wonder people hang up with the way you are treated if you talk to them.


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FUNKbrs

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Posted at: 1/22/09 06:16 PM

FUNKbrs EVIL LEVEL 10

Sign-Up: 10/28/00

Posts: 17,065

Man, I had a day like that.

I was calling this guy (I'm a collections agent) and I was all "Hey man, why haven't you paid your debt?" and he was like "FUCK YOU I DON'T HAVE A JOB" and I was like "Dude, I make my money to pay MY bills off of commission from what you guys pay... can't you at least borrow some money from someone to pay this debt YOU got YOURSELF into?" and he was all "FUCK U! I'M GHEY AND PROUD!!"

At this point my manager picks up the phone, because they listen to our phone calls like creepy nazis.

This dickwad then cursed HIM out.....WTF? I JUST WANNA KEEP MY JOB!!!

the above post was all lies.

Do not PM me asking about the project known as "Iron Fist."
There is no such project.


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shadowslayer1313

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Posted at: 1/22/09 06:22 PM

shadowslayer1313 EVIL LEVEL 10

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Posts: 997

At 1/22/09 06:08 PM, DJ-Keen wrote:
At 1/22/09 03:51 PM, Sekhem wrote: This is why you just hang up or don't answer their calls period.
Yeah it's no wonder people hang up with the way you are treated if you talk to them.

I almost never pick up the phone when I see their number. I actually kept their number on my phone and named them "the evil ones" so I know when they call.

O..O..OMG your looki-looking at my..my...my SIG!! woah this is a crazy experience..
Epic threads: a | b | c | d

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Patcoola

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Posted at: 1/22/09 06:25 PM

Patcoola LIGHT LEVEL 46

Sign-Up: 03/07/03

Posts: 2,083

report him to he's boss (note they normaly record all calls)

it's ok for you to yell and scream at them but not the other way around

Website | Blog | Buy T-Shirts | Flash | Audio

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wildfire4461

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Posted at: 1/22/09 07:56 PM

wildfire4461 NEUTRAL LEVEL 02

Sign-Up: 12/27/08

Posts: 597

The reason i don't have a credit card.

"Oh yeah? Well i have the right to my opinion and my opinion is that you have no right to your opinion!" George Carlin. RIP old fuck.

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DJ-Keen

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Posted at: 1/22/09 10:14 PM

DJ-Keen DARK LEVEL 09

Sign-Up: 07/24/03

Posts: 3,143

At 1/22/09 06:16 PM, FUNKbrs wrote: Man, I had a day like that.

Strangely that post made me happy. Thank you lol.


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MultiCanimefan

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Posted at: 1/22/09 10:21 PM

MultiCanimefan LIGHT LEVEL 20

Sign-Up: 12/19/06

Posts: 4,322

Their existence is to make your's difficult, and that's all there is to it.

Just like the IRS, they steal your soul and divide it up.


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CrazyDelmar

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Posted at: 1/22/09 11:07 PM

CrazyDelmar EVIL LEVEL 15

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Posts: 660

At 1/22/09 07:56 PM, wildfire4461 wrote: The reason i don't have a credit card.

Same here.


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cast

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Posted at: 1/22/09 11:12 PM

cast EVIL LEVEL 27

Sign-Up: 12/15/99

Posts: 5,783

I owe 1,000 dollars in school related taxes apparently, and I have no kids. We get a phone call every few months which usually ends with me telling the guy to fuck off and take me off his scam list. At this point I wouldn't mind murdering him.

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ChaDMcBaDD

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Posted at: 1/22/09 11:18 PM

ChaDMcBaDD NEUTRAL LEVEL 12

Sign-Up: 07/18/04

Posts: 2,072

At 1/22/09 03:27 PM, DJ-Keen wrote: he speaks to me COMPLETELY unprofessionally, like, he sounded like some 17 year old punk they found skateboarding outside the building and put him on the phone with me.

lol!

Sup Newgrounds.

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OneLastCaress

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Posted at: 1/22/09 11:21 PM

OneLastCaress DARK LEVEL 07

Sign-Up: 10/10/08

Posts: 1,765

You should hunt him down.

I've got something to say...

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gibleto

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Posted at: 1/22/09 11:23 PM

gibleto DARK LEVEL 25

Sign-Up: 03/25/07

Posts: 4,111

At 1/22/09 11:12 PM, cast wrote: I owe 1,000 dollars in school related taxes apparently, and I have no kids. We get a phone call every few months which usually ends with me telling the guy to fuck off and take me off his scam list. At this point I wouldn't mind murdering him.

Have fun with them. Act like you're masturbating when they call or something. Or if you're over the age of fourteen, ask them how their day has been, just completely go off topic.


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Sensationalism

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Posted at: 1/22/09 11:46 PM

Sensationalism FAB LEVEL 28

Sign-Up: 08/27/06

Posts: 16,362

At 1/22/09 06:22 PM, shadowslayer1313 wrote: I almost never pick up the phone when I see their number. I actually kept their number on my phone and named them "the evil ones" so I know when they call.

"The evil ones" that's cute.

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