Hate your Credit Card Bills? MAXED OUT – NOW ON DVD
Maxed Out takes viewers on a journey deep inside the American style of debt, where things seem fine as long as the minimum monthly payment arrives on time. With coverage that spans from small American towns all the way to the White House, the film shows how the modern financial industry really works, explains the true definition of “preferred customer” and tells us why the poor are getting poorer while the rich keep getting richer. Hilarious, shocking and incisive, Maxed Out paints a picture of a national nightmare which is all too real for most of us. Great for college students.
Video Rating: 4 / 5
Again, as pointed out in previous messages, one of the greatest weapons you can have, is a Consumer Credit Act 1974 request. Such a request stops a dishonest collection agency in its tracks, and before they can resume having any dealings with you, they HAVE to fulfil that request (if they can!). However, this is not always the case some agencies may try to continue their illegal pursuit even after they receive your request. Included are examples of such replies you may receive after the company gets your request and cashes your £1 statutory payment included with the request. Obviously, the kind of reply assuming you get one at all will vary from agency to agency, but I have included some of the wider examples here. If the agency youre forced to deal with is named here, then this clip is intended for you to pre-empt their next move. Apologies in advance for the low voice, but I had a bit of a cold when I did this one. Finally, remember they’ve got an old ‘carrot-on-a-stick’ trick. Don’t be tempted to fall for the ‘short settlement’ offer that suddenly arises just as they’ve received your CCA request (what a coincidence!). If you get such an offer, do NOT take it – they’re literally trying to get what they can from you. When it happens, smile and feel good about yourself, because it’s a very good sign that they can’t fulfil your request, and thus, can’t inconvenience your life any further…
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I actually just watched this DVD from my local library. It is very sad.
We as a country are in decline.
GET OUT OF DEBT. I did and so can you. I used to have $15,000 in c/c debt and live paycheck to paycheck. Let me tell you (but I bet you know) IT SUCKS!! Today I have over $40,000 in cash and silver. I started by paying down debt and saving $30/wk even though I hardly could do it. I did that for 3 years and now save $400-$600/wk!
Just watched this documentary and it confirms to me that America is dead. Corporations have killed America and have enslaved Americans, with some credit due to the Bush administration for helping pass a bill whereby Americans wouldn’t be able to wipe clean the debt they incurred from these deceiving and predatory credit card companies.Many Americans will be working (literally, not figuratively) until they die of old age, to keep up with the minimum amount of interest, nevermind the principal.
I borrowed 200K from Credit Card and went back too China,,ha,ha
watch full movie on my channel
I hope one day there is going to be a human zoo with americans working in sweat shops somewhere in china so all the third country ppl could go to for holidays.
This film should be mandatory viewing. If people actually understood what was being done to them, we could actually do something about it.
@kko75 you go back in time and tell your dam relatives to get insurance ..lawl
bob – i don’t have money to buy that,but i want it. what should i do?
kenny -don’t buy it
bob – kenny i’m broke
kenny – why! i said don’t buy it cause you don’t actually have the money to buy it at first
moral of the story
p.s thats your conscious or common sense.
@CORRUPTION1NC i love you
I have borrowed 150k from my credit card and went back to the philippines HAHAHA SUCKERS!!!
@kko75 dont spend 15k your relitive dont want you in dept
I love this movie
@kko75 Fifteen dollars for a funeral? Are you kidding?
I am 31 now and I have NEVER had a credit card in my life. This movie is a perfect example of why I always refused to have one. I am just glad that I had the foresight at the age of 18 to realize what a bad idea it would be to have one.
injoy life he says in the end….at what expesice?
@PGMEagle Makes you question who’s really retarded when even that person knew it was crazy.
Now the real story, two things, your signature (pin number) and authorization code on the credit card makes this a promisory note legal tender so the credit company pays the debt. So when you purchs you have paid, the credit company wants you then to pay again plus fees and interest. They have alrighty use the orginal promisory note to gain interest from the government, like a cheaque. This is called embezelment.
I’ll take a $30,000 credit limit card right now. I’m f’n broke!
cool movie, saw it on #FTW Go Movie World . com #CUTE
This is great. I just go online and apply at a comparison site like ProCreditCenter
You don’t have to get credit card offers in the mail anymore. You can just go online to apply for a credit card on a comparison site like ProCreditCenter
@MissFireballxl5
No, you’re neither acknowledging or denying it – you’re asking the collector to prove their claims. All they have is a name – it doesn’t mean it’s the actual person they’re looking for, but then they’re not that bothered about that. They just want to be paid, and they don’t care who from.
I was wondering, if you respond to the debt collectors letters are you not acknowledging you are “at” the address so creating “joinder”? I was also told by a cab advisor, not to acknowledge a debt! I would love to know a real humdinger of an action that just sends them running. I am so annoyed at being drawn into credit card scam. The so called debt is bounced from agency to agency, now with pink letter paper – what about “no contract – return to sender”? Anything thats solid action??
what converter did you use on this Video ?? its well pixeled
If you are seriously in debt, just go bankrupt !!!. Forget the FSA, OFT AND OFFICE OF FAIR TRADING. If you take your cases to the Financial Ombudsman Service, be careful !! ( I shut my mouth ). The infrastructure has collapsed with knowledge and standard. Act, compliance, risk management, guidelines etc not being acknowledge. The levels of people’s competency is well below par.
Dont be bullied and start again, keep your family together.
Ex …… under FSA
Debt collectors are just as bad as traffic wardens
@JimbCaggerC the Debt collectors are scumbags, everyone has the same human rights, including the Debt collectors.
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@Ste2343 report it to the many bodies out there and ignore them in watever they say if u can prove u sent them a cca request and they havent sent one with in 12 days the debt cant b collected on
@monkeydomonkey
True enough, but there’s no use telling that saddo that. Besides, he was only on for a day, making stupid comments on about four or five debt-related clips. Obviously some DCA troll with nothing better to do.
@JimbCaggerC not everyone who is in debt does not work . debt collectors are dirtbags.
@mancpaul01
And what exactly does a paedophile sound like? I wasn’t aware that they emitted any particular sounds.
Too much wit for you to take in? Well, that wouldn’t be difficult if you work for one of these comic-book outfits, which I can safely hazard a guess that you do (Robinson Way).
I’d be careful, because when you’re out of a job, you might need to sell your arse just to get bys.
you sound like a paedophile.
@JimbCaggerC
Very easy – the debt collectors are the dirtbags. In the case of Beryl Brazier, murdering dirtbags.
Trying to extort money from people when they have no paperwork or legal basis for doing it, or having no regard for those who DON’T owe money (Beryl Brazier for one).
EVERYONE pays tax in the UK, without exception. And none of it should be used to prop up banks or DCAs that couldn’t do their jobs right.
‘The taxpayer’ – only a prize idiot uses that argument!
Debt collectors – Work, pay taxes, pay their bills.
Debtors – Dont work, dont pay taxes, dont pay their bills.
Who’s the dirtbags?
If a DCA pockets payment, you need do nothing else until request fulfilled. They certainly shouldn’t be offsetting it against the ‘debt’ if the purpose of the payment’s been made clear.
I take it you”ve got proof that they got the letter?
If a DCA is still performing collection activity while a CCA request is still open, the company should be reported at the very least to the OFT, and the Trading Standards offices local to you and them.
Is this AIC, by any chance?
dcamaggots, what happens if the debt collectors take the one pound postal order as payment for the debt even though it has been stated it should not be used for any other purpose other than for the CCA request?
nethy02 – No problem at all. If you’ve been checking out CAG lately, it may be worth seeing Dispatches on Channel 4 tonight. It’s an hour long special about DCAs, and there’s a thread about it on CAG now.
thanks for that invaluable information.
garthblues - They do here as well. Called a ‘phishing trip’.
The bastards run down the phone book and call people with the same last name (in the US anyway).