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mechoman444 ,

" we have a copy of the contract" Christ on a stick…

deadbeef79000 ,

Is it selection bias in posts here or are all these sovcit stories just someone trying to wiggle out of a debt?

BonesOfTheMoon OP ,

They’re all someone trying to wiggle out indeed.

magnetosphere ,
@magnetosphere@fedia.io avatar

Hanging up on a sovcit must be extremely satisfying.

BonesOfTheMoon OP ,

They call back and say “I do not consent to you hanging up on me”, I bet.

Plopp ,

“What do you mean you don’t want to talk to me, I’m not talking, I’m orating.”

Alexstarfire ,

They bought a car but think they are the original creditor? Do they know what the word means?

deadbeef79000 ,

They don’t know what any of those words mean.

To them it’s a magic spell in an arcane tongue.

Rhaedas ,

Half probably do and are riding the scam train, the other half...I'm not sure what they think anymore. Imagine all that brain power used to create these logic circles that could be used constructively instead. I'm betting some of the first half are probably selling some how-to materials to the other half...

BonesOfTheMoon OP ,

Sovcits believe that when you are born the government sets up a secret trust worth 2 million dollars and you can use that trust to pay money if you send all sorts of stupid correspondence to your creditors that magically allows them to bill the mysterious trust.

jordanlund ,
@jordanlund@lemmy.world avatar

Asking for proof of debt is actually a valid tactic.

When I killed my land line and went cellular, oh, 30 years ago, I paid my last phone bill and cancelled.

5 years later I got a call from collections saying I owed for the final bill.

I apologized to them for Qwest wasting their time, told them what was up and asked for proof of debt for which I knew there was none.

Never heard from them again.

ImplyingImplications ,

It’s actually what you’re supposed to do if the company calling you to collect isn’t the same company that you originally owed money to.

BonesOfTheMoon OP ,

That is legit indeed. But old sovcit here is doing sovcit shit.

Zikeji ,
@Zikeji@programming.dev avatar

When our “final balance” from the landlord (late fee + “repairs”) went to collections I asked for it, got all the documents, and forwarded it to my attorney along with everything else.

Long story short they settled out of court, then didn’t fulfill the settlement contract (namely the bit about removing the erroneous reports against my credit), then wound up getting fined 50 grand by my local government.

henfredemars ,

Good on you for having an attorney. Very smart move on your part.

Zikeji ,
@Zikeji@programming.dev avatar

Fortunately my boss at the time was a lawyer, so he gave me alot of great advice throughout the entire ordeal.

Unfortunately he didn’t do landlord/tenant disputes, his area is class action and credit related.

So we waited until the landlord sent it off to the agencies, and he took the case on contingency.

Unfortunately that fine was a fine and not an award / damages. I would have liked that cash influx lol.

BlueSquid0741 ,

I was owed 30 cents or something by a TelCo about 20 years ago. So they sent me an invoice stating the debt every month. I asked them if they can just cut me a cheque or something and they said they wouldn’t for such a small amount.

So I received a -30c payable invoice monthly for years until the company went out of business.

TexasDrunk ,

Could have been sooner if you had just collected that $0.30.

HobbitFoot ,

It doesn’t work as well with cars.

Typically, the car title will show if there was a loan used to buy it, so it is already documented with the state as part of showing ownership. At that point, the owner of the car loan doesn’t have to talk to the owner of the car to repossess the car, they just need to talk to the state to transfer ownership.

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