ArtsAutosBooksBusinessEducationEntertainmentFamilyFashionFoodGamesGenderHealthHolidaysHomeHubPagesPersonal FinancePetsPoliticsReligionSportsTechnologyTravel

Dead-End-Debt

Updated on September 16, 2014

Hitting a Brick Wall - For Bailiffs & Debt Collectors

In Debt and Worried

Debt, and owing money to a company, organization, corporation or business, is becoming more of a problem with the poor state of the economy of low income, struggling to earn and fluctuating costs of living, for so many folk unfortunate enough to get caught up in such dire financial matters, especially here in the UK.

And For Anyone Reading This Post – Stating:

‘People should pay their debts because they have used the debtor’s services!’

And you are correct to think like this…

But let me remind you that even though you may be in a prime position financially, right now, with no such burden of debts; anything can happen to any one of us, and all of a sudden, too; and maybe, through no fault of your own, you are thus targeted for a negative financial matter – it does happen, and to good honest hard working folk, believe me it does.

The Next Step

The next step is that you may suddenly be harassed for owing money to someone else. And you will be pursued relentlessly, experiencing first hand all the stress and sleepless nights that worry brings, not only to you, but also the loved ones surrounding you, too - the heartache and negativity resonates over to them.

And when you do resist your debt because you feel something is not correct, in this matter, you may feel intimidated when bailiffs and debt collectors finally knock on your front door, to collect money, or remove goods or clamp your car, in payments of the debt, if you have not the money, demanded, plus their costs to pay them.

Did You Know?

Did you know that debt collection agencies, & bailiff companies, mostly are independent third parties, and will often purchase your debt from the company, organization, business or corporation, which your debt is owed to.

Because of intimidation, threats, and poor code of conduct experienced firsthand by many residents in one particular area of South Wales, from bailiffs and debt collection agencies, there is a new breed of cause in the communities of Cardiff, which is being set up, titled Community Reporters Observing Bailiff Activity, where upon further research, new member Leprechaun, has unfolded some interesting information indeed.

His Theory Suggests:

That your debt is purchased by the debt collection agency, or Bailiff Company, maybe for the fee of around 5% of the total debt cost; then the bailiff company or debt collection agency will add on their own costs and fees, which are usually high and unjustifiable.

He argues that:

When the nasty phone calls, or demanding letters do arrive, or even when the bailiff or collection agency knocks your door; Leprechaun will state to them:

That so called debt no longer belongs to me, mate, because you have purchased the debt from the original debtor (and he may thank the bailiff or debt collection agency wholeheartedly for them taking on his said debt.)

Furthermore, as much as he has been in contact and trying to pay back directly, to the original debtor, but unsuccessfully, a weekly or monthly fee that he can afford, with bare money left for food and bills; he cannot do so now because that said company, organization, business or corporation, no longer possesses his debt, so how can he correspond, and so pay them?

How Are We Doing?

Are You Finding This Information Interesting So far?

See results

Who Owns The Debt?

And if the bailiff or debt collection agency should tell him that the original debtor is where the money is owed to, and they are working on behalf of the original debtor. He thinks this a lie and will tell the bailiff or debt collection agency to leave his property as he is trying to sort out the debt with the original debtor, and not with them, as they may now claim the debtor is not them. Therefore, the debt collection agency or bailiff have no right being on his land and pestering him for they are only a third party and his so called debt has nothing to do with them.

Furthermore, he also states:

‘To claim said debt is to be in contract with another. A contract or agreement is signed by both parties (you and me) and I have not signed any agreement or contract with you (the debt collection agency, or Bailiff Company) I do not owe you anything, as you claim. You are but a third party that has purchased the debt from the original debtor. Show me my signature which I have signed to agree with your contract, and I will gladly comply with your demands.’

Furthermore, he argues – the simple law is:

‘If you purchase something that you say belongs to me, it does not belong to me anymore. I am not liable as you so claim; I have no obligation as I do not owe the debt. Instead, you purchased the debt. It is all yours now!’

In Summary of this article and its theories:

1: The bailiff or debt collection agency purchased the debt.

2: The debt purchased now belongs to the bailiff or debt collection agency.

3: No contract or agreement was signed, so therefore it is no longer your debt.

This post is ongoing and will be updated regularly. Please input your experiences, ideas and thoughts in the comments box below

Many regards, Dale Ovenstone 2014

Your Vote Counts

Would You Like More Information Concerning Debt Collectors And Bailiff Activity?

See results

Undercover Debt Collector: Secret Recording

Comments

    0 of 8192 characters used
    Post Comment

    • teaches12345 profile image

      Dianna Mendez 

      3 years ago

      Interesting post on a subject that needs more coverage in helping people to eliminate and understand debt procedures. My neighbor does collections for a living and she would agree with your thoughts on this I'm sure.

    working

    This website uses cookies

    As a user in the EEA, your approval is needed on a few things. To provide a better website experience, hubpages.com uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

    For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at: https://hubpages.com/privacy-policy#gdpr

    Show Details
    Necessary
    HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
    LoginThis is necessary to sign in to the HubPages Service.
    Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
    AkismetThis is used to detect comment spam. (Privacy Policy)
    HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
    HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
    Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
    CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
    Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the googleapis.com or gstatic.com domains, for performance and efficiency reasons. (Privacy Policy)
    Features
    Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
    Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
    Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
    Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
    Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
    VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
    PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
    Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
    MavenThis supports the Maven widget and search functionality. (Privacy Policy)
    Marketing
    Google AdSenseThis is an ad network. (Privacy Policy)
    Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
    Index ExchangeThis is an ad network. (Privacy Policy)
    SovrnThis is an ad network. (Privacy Policy)
    Facebook AdsThis is an ad network. (Privacy Policy)
    Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
    AppNexusThis is an ad network. (Privacy Policy)
    OpenxThis is an ad network. (Privacy Policy)
    Rubicon ProjectThis is an ad network. (Privacy Policy)
    TripleLiftThis is an ad network. (Privacy Policy)
    Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
    Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
    Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
    Statistics
    Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
    ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
    Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)