I worked a whole 1.5 hours today and strange as it may sound...it was a good day!. There were people decent enough to take care of the bills and go on living. I was all geared up for a fight but never was met with one. Its almost like I was left hanging...
There were of course the stupid asses that think it is ok not to pay because once upon a time they were good customers... fuck the history... pay me now. how is this hard to understand.
6.26.2009
4.28.2009
Strange. That is all I can say about today. Nothing exciting in the way of people being fuckers happened. Nothing nice happened either.
Since Monday I have been in a personal state of mind. There are some things going on right now that trump my needing to be a top collector.
I did finally hear a new excuse today tho.....
A lady and her son were both late and neither of them could pay because if they left the house they would surely get "swine flu" and die.
When asked if they were able to do a debit card or check payment over the phone or on line they acted like I was being too pushy and gave rude remarks toward my customer service skills.
To that I replied that I don't know what customer service is because I am not here to make you happy and if you want fries with that load of shit. I am here to get dumb asses like the swine flu cowards to pay their fucking bill. The customer is always right, Fuck that. The customer is only right if I say they are fucking right.
Since Monday I have been in a personal state of mind. There are some things going on right now that trump my needing to be a top collector.
I did finally hear a new excuse today tho.....
A lady and her son were both late and neither of them could pay because if they left the house they would surely get "swine flu" and die.
When asked if they were able to do a debit card or check payment over the phone or on line they acted like I was being too pushy and gave rude remarks toward my customer service skills.
To that I replied that I don't know what customer service is because I am not here to make you happy and if you want fries with that load of shit. I am here to get dumb asses like the swine flu cowards to pay their fucking bill. The customer is always right, Fuck that. The customer is only right if I say they are fucking right.
4.24.2009
wow, how stupid are you? I can understand opening an account then losing your job within a month or so but to start up a new loan when you have been out of work for the last 6-11 months is just ridiculous.
I talked to 5, yes i said 5 people that opened loans in the past6 months but have been out of work for at least 6 months before the loan was open! This lady tells me,
"I already said I was out of work"
yeah she did, but only after the collection calls started, not on her application for credit where she verified she did have income and was able and willing to make payments. She flat out lied on the app, then admitted to being a liar, then said it was my fault she didn't read the papers before using "my" money on fake fingernails and burritos.
The other 5 were basically the same with the exception of one guy who did what he did to pay for household expenses to keep his family alive. He had a plan. He got the loan, paid the bills he was behind on (lights, gas,phone, water, etc) then the next month he defered a house and car payment and paid the debt off to me and closed out the line of credit. Now he is back on track.
one out of 5?? Only 20% of people that lie about having income then being stupid with their money actually have a plan?
These 5 were out of 10 people I actually talked to. 1 person forgot to make payment. 3 were due to medical and will "allegedly" make it up next month, and 1 was someone that didn't understand that monthly payments meant to pay every month.
2 out of 10 make a payment? again 20% of people are willing to keep a promise.
I made contact with 30 primary people today. This means that I verbally spoke to the number one person on the account and they verified that it was indeed them.
5 were the ones not working for 6-11 mo.
5 were the ones that actually had excesses no matter how flimsy
20 either hung up as soon as they found out who I was or screamed at me first then hung up. Either way they weren't even creative enough to stay on the line.
2 of 30 people able and willing to make payment.
6.66% of people that were not total deadbeats.
that's embarrassing.
I talked to 5, yes i said 5 people that opened loans in the past6 months but have been out of work for at least 6 months before the loan was open! This lady tells me,
"I already said I was out of work"
yeah she did, but only after the collection calls started, not on her application for credit where she verified she did have income and was able and willing to make payments. She flat out lied on the app, then admitted to being a liar, then said it was my fault she didn't read the papers before using "my" money on fake fingernails and burritos.
The other 5 were basically the same with the exception of one guy who did what he did to pay for household expenses to keep his family alive. He had a plan. He got the loan, paid the bills he was behind on (lights, gas,phone, water, etc) then the next month he defered a house and car payment and paid the debt off to me and closed out the line of credit. Now he is back on track.
one out of 5?? Only 20% of people that lie about having income then being stupid with their money actually have a plan?
These 5 were out of 10 people I actually talked to. 1 person forgot to make payment. 3 were due to medical and will "allegedly" make it up next month, and 1 was someone that didn't understand that monthly payments meant to pay every month.
2 out of 10 make a payment? again 20% of people are willing to keep a promise.
I made contact with 30 primary people today. This means that I verbally spoke to the number one person on the account and they verified that it was indeed them.
5 were the ones not working for 6-11 mo.
5 were the ones that actually had excesses no matter how flimsy
20 either hung up as soon as they found out who I was or screamed at me first then hung up. Either way they weren't even creative enough to stay on the line.
2 of 30 people able and willing to make payment.
6.66% of people that were not total deadbeats.
that's embarrassing.
4.20.2009
"Fuck You. I already tried to talk to you fuckers and the last person was a fucking dick so as far as I'm concerned you can fucking die."
hmmm. I think to my self. If I didn't like the chalenge of dealing with pissy people I probably would be a dick too, then the next dick to get the call would have to hear the same shit over and over. All bill collectors are clumped into one group and are discriminated against. Just because there is someone out there who owes enough money to have to be called everyday from God knows how many companies dosent mean that the same bill collector is calling all the time. Its a lot of times going to be a different person.
"Well why can't you people put notes on your computer"
Number 1, I don't feel obligated to put notes on YOUR account if you won't even make a payment on YOUR account. Number 2, If you answer the phone with a big Fuck You every day don't expect any one to bend over backwards to insure your broke ass isn't bothered on a daily basis. I'm not your friend. I don't even like you but remember I am doing my job and I will treat you with only the same amount of respect as you can muster up for me.
"I already said I was going to pay you. What more do you want from me?"
Nice. You asked a question so I'm going to try to answer it in really easy to follow sentances....
Answer a couple questions. Don't hang up. That is all I need.
"CLICK"
Really? This same guy is going to be called every day till we get the answers we need and just for the record, 'I'm paying' is not going to stop a call. You need to answer my questions if you want to calls to stop. If you don't care how many times I call, DON'T BITCH ABOUT IT!
Lets assume this guy decides he wants to be a dick and fuck around on the phone instead of hanging up. This is actually a good thing cause at least now while he is getting off on how hot I sound or picking his nose or what the fuck ever else might be going on, I have time to throw my questions out there. Payment sent. This is established. check or money order? how much? what day?
Thats all I need. Now he really feels like a retard. All this time avoiding calls and being a fucker and waisting your valuable job hunting time could have been cleared up in under a minute. Now he has questions for me because at this point after they find that you have what you need they are really talkative. How much more? How does this help me? etc. This man has used all the time I feel I want to give since he was an utter fcuker just seconds before so to be really clear to this obviously bright (not so much) person, I say ...
well you know, I have all your information updated and you sounded like you were in a HUGE hurry so thank you and please let us know if you have any questions
CLICK!
Then I giggle only because if I can't laugh at what I do and enjoy it a little, why do it.
hmmm. I think to my self. If I didn't like the chalenge of dealing with pissy people I probably would be a dick too, then the next dick to get the call would have to hear the same shit over and over. All bill collectors are clumped into one group and are discriminated against. Just because there is someone out there who owes enough money to have to be called everyday from God knows how many companies dosent mean that the same bill collector is calling all the time. Its a lot of times going to be a different person.
"Well why can't you people put notes on your computer"
Number 1, I don't feel obligated to put notes on YOUR account if you won't even make a payment on YOUR account. Number 2, If you answer the phone with a big Fuck You every day don't expect any one to bend over backwards to insure your broke ass isn't bothered on a daily basis. I'm not your friend. I don't even like you but remember I am doing my job and I will treat you with only the same amount of respect as you can muster up for me.
"I already said I was going to pay you. What more do you want from me?"
Nice. You asked a question so I'm going to try to answer it in really easy to follow sentances....
Answer a couple questions. Don't hang up. That is all I need.
"CLICK"
Really? This same guy is going to be called every day till we get the answers we need and just for the record, 'I'm paying' is not going to stop a call. You need to answer my questions if you want to calls to stop. If you don't care how many times I call, DON'T BITCH ABOUT IT!
Lets assume this guy decides he wants to be a dick and fuck around on the phone instead of hanging up. This is actually a good thing cause at least now while he is getting off on how hot I sound or picking his nose or what the fuck ever else might be going on, I have time to throw my questions out there. Payment sent. This is established. check or money order? how much? what day?
Thats all I need. Now he really feels like a retard. All this time avoiding calls and being a fucker and waisting your valuable job hunting time could have been cleared up in under a minute. Now he has questions for me because at this point after they find that you have what you need they are really talkative. How much more? How does this help me? etc. This man has used all the time I feel I want to give since he was an utter fcuker just seconds before so to be really clear to this obviously bright (not so much) person, I say ...
well you know, I have all your information updated and you sounded like you were in a HUGE hurry so thank you and please let us know if you have any questions
CLICK!
Then I giggle only because if I can't laugh at what I do and enjoy it a little, why do it.
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