1
00:00:00,080 --> 00:00:03,280
Speaker 1: I'm Bradley Johnson with one eight hundred duy away. Not

2
00:00:03,440 --> 00:00:06,800
Speaker 1: getting behind the wheel after drinking is the best choice,

3
00:00:07,080 --> 00:00:09,840
Speaker 1: but if you're pulled over, the next best choice it's

4
00:00:09,880 --> 00:00:15,760
Speaker 1: to call one eight hundred duy away on the twenties.

5
00:00:16,440 --> 00:00:22,320
Speaker 1: I'm five. Hello, Hi, this is Chet Samon calling from bank.

6
00:00:22,400 --> 00:00:27,520
Speaker 1: I was looking to speak with Gavin. This is him. Oh, hey, Gavin,

7
00:00:27,680 --> 00:00:31,600
Speaker 1: how are you today? Good? I guess how about yourself?

8
00:00:31,880 --> 00:00:34,800
Speaker 1: I'm not too bad. Thank you for asking. I'm calling

9
00:00:34,800 --> 00:00:36,800
Speaker 1: today because we've reached out to you multiple times and

10
00:00:36,840 --> 00:00:42,920
Speaker 1: haven't heard anything back. You have your car loan with us, correct? Yeah? Yeah, okay, Well,

11
00:00:42,960 --> 00:00:45,360
Speaker 1: I am sorry to tell you this, but your loan

12
00:00:45,640 --> 00:00:51,320
Speaker 1: is officially in default default. M I don't know what

13
00:00:51,360 --> 00:00:54,440
Speaker 1: that means. Well, it means that you need to turn

14
00:00:54,480 --> 00:00:58,640
Speaker 1: the automobile back into the dealership because of insufficient funds.

15
00:00:58,880 --> 00:01:02,960
Speaker 1: That makes sense. Yeah, I guess so. But I haven't

16
00:01:02,960 --> 00:01:06,320
Speaker 1: missed any payments, right, Okay, Well, according to our records,

17
00:01:06,520 --> 00:01:12,759
Speaker 1: you have made your payments, but you paid too much. Huh. Yeah,

18
00:01:12,840 --> 00:01:15,520
Speaker 1: your loan is for three hundred and four dollars and

19
00:01:15,520 --> 00:01:19,559
Speaker 1: seventy nine cents a month. Okay, okay, and it looks

20
00:01:19,600 --> 00:01:22,240
Speaker 1: like you've been paying three hundred and five dollars even

21
00:01:22,520 --> 00:01:27,280
Speaker 1: every time. Yeah, is that really a problem, Well, yes,

22
00:01:27,319 --> 00:01:31,000
Speaker 1: actually it is. What you're doing violates our over payment policy,

23
00:01:31,120 --> 00:01:33,880
Speaker 1: so every payment for the last three months was sent

24
00:01:33,920 --> 00:01:35,840
Speaker 1: back to your account. I'm surprised you didn't realize it.

25
00:01:36,640 --> 00:01:41,240
Speaker 1: You like have an over payment policy. Yes, that's like

26
00:01:41,360 --> 00:01:44,800
Speaker 1: something never heard of. Okay, well you should have heard

27
00:01:44,840 --> 00:01:47,480
Speaker 1: about it when you purchased the car. But you were

28
00:01:47,520 --> 00:01:49,880
Speaker 1: supposed to send the exact amount every month and you didn't,

29
00:01:49,920 --> 00:01:53,360
Speaker 1: which means your loan is in default and you either

30
00:01:53,400 --> 00:01:55,120
Speaker 1: have to bring the car in or we'll just come

31
00:01:55,160 --> 00:01:57,000
Speaker 1: and get it. You can come and get it, but

32
00:01:57,040 --> 00:01:58,840
Speaker 1: I'm gonna try to fight it. You can try to

33
00:01:58,880 --> 00:02:00,360
Speaker 1: fight it all you want, but I'm sorry, sorry. We

34
00:02:00,400 --> 00:02:04,760
Speaker 1: do have a very solid overpayment policy. I think mungles

35
00:02:04,760 --> 00:02:07,600
Speaker 1: an attorney, so I'm gonna hit him up real quick. Okay,

36
00:02:07,760 --> 00:02:10,600
Speaker 1: So you think he's one, Yeah, I mean you don't

37
00:02:10,600 --> 00:02:13,280
Speaker 1: really talk to him anymore because some fall up happening

38
00:02:13,280 --> 00:02:15,960
Speaker 1: of a holiday. But oh yeah, I can well try

39
00:02:16,000 --> 00:02:18,160
Speaker 1: to get in some fight from them. Well, you know

40
00:02:18,200 --> 00:02:19,760
Speaker 1: that's on you. If you want to talk to your

41
00:02:19,840 --> 00:02:23,639
Speaker 1: uncle who has done some lost stuff. Go for it.

42
00:02:23,840 --> 00:02:26,040
Speaker 1: But unless you have an extra four thousand dollars for

43
00:02:26,080 --> 00:02:28,200
Speaker 1: the fees that you've incurred, there's really nothing I can

44
00:02:28,240 --> 00:02:29,679
Speaker 1: do for you. We're gonna have to take the car

45
00:02:30,480 --> 00:02:34,240
Speaker 1: four thousand dollars. I don't even I didn't even have

46
00:02:34,280 --> 00:02:36,760
Speaker 1: one hundred. You know, I like you and I want

47
00:02:36,760 --> 00:02:39,160
Speaker 1: to help you out. Let's see, what about jewelry. You

48
00:02:39,200 --> 00:02:41,480
Speaker 1: have any jewelry at the house, because the bank does

49
00:02:41,560 --> 00:02:44,400
Speaker 1: like jewelry. I have like a gold team that word.

50
00:02:44,480 --> 00:02:47,480
Speaker 1: But I don't think it's worth that much. Okay, Well,

51
00:02:47,520 --> 00:02:49,119
Speaker 1: you can bring it in and we'll check it out.

52
00:02:49,160 --> 00:02:51,080
Speaker 1: I'm trying to think some other options, because, like I said,

53
00:02:51,400 --> 00:02:55,079
Speaker 1: I want to help you. How about appliances. You got

54
00:02:55,080 --> 00:02:58,000
Speaker 1: a fridge or new fridge or something. You got a

55
00:02:58,160 --> 00:03:00,800
Speaker 1: mini fridge in my bedroom? You know what. The bank

56
00:03:01,120 --> 00:03:03,640
Speaker 1: isn't interested in many fridges. Do you have a big

57
00:03:03,639 --> 00:03:08,519
Speaker 1: fridge in the kitchen area? I do, but it's my landlords.

58
00:03:09,040 --> 00:03:12,080
Speaker 1: Oh okay, well is it a nice fridge? I mean, yeah,

59
00:03:12,080 --> 00:03:13,960
Speaker 1: it's nice. It's got like a water thing. It's not

60
00:03:14,040 --> 00:03:17,520
Speaker 1: really old. It's got all those cool water things. Oh sweet.

61
00:03:17,919 --> 00:03:20,400
Speaker 1: A fridge is a cool water thing. I guarantee you

62
00:03:20,400 --> 00:03:23,440
Speaker 1: the bank will be interested in that one. Okay, it's

63
00:03:23,480 --> 00:03:26,919
Speaker 1: not really mine. I can just take it from my landlord. Well,

64
00:03:27,120 --> 00:03:28,840
Speaker 1: I mean, your landlord probably doesn't come over to your

65
00:03:28,880 --> 00:03:31,400
Speaker 1: house very much. You could give that fridge to us,

66
00:03:31,480 --> 00:03:33,960
Speaker 1: and then you know, by the time you move out,

67
00:03:34,040 --> 00:03:36,920
Speaker 1: you'd have more money to buy a new fridge for him.

68
00:03:38,440 --> 00:03:41,520
Speaker 1: I mean I guess I could. I don't know. Okay,

69
00:03:41,520 --> 00:03:43,680
Speaker 1: Well that's a that's a great idea. How about this.

70
00:03:43,960 --> 00:03:47,160
Speaker 1: You take your gold chain and the refrigerator from your

71
00:03:47,160 --> 00:03:50,840
Speaker 1: apartment to the bank, be there in thirty minutes and

72
00:03:51,000 --> 00:03:53,080
Speaker 1: we should be good. Otherwise we'll have to repossess the

73
00:03:53,120 --> 00:04:00,600
Speaker 1: car thirty minutes. M I can't leave all that by myself. Okay, Well,

74
00:04:00,920 --> 00:04:03,160
Speaker 1: you know what, maybe you could ask your friend Aaron

75
00:04:03,160 --> 00:04:05,000
Speaker 1: to help you out. He has a truck, I think, right.

76
00:04:06,040 --> 00:04:09,160
Speaker 1: How do you know Aaron has a truck? Well, because

77
00:04:09,200 --> 00:04:12,960
Speaker 1: Aaron told me he has a truck. Really does he

78
00:04:12,960 --> 00:04:17,320
Speaker 1: have an account with you all? Honestly, I have no idea.

79
00:04:17,880 --> 00:04:20,400
Speaker 1: This is actually Jewbil from brook and Jewil in the

80
00:04:20,440 --> 00:04:22,760
Speaker 1: morning doing a phone tap on you. Your best friend

81
00:04:22,760 --> 00:04:26,919
Speaker 1: Aaron set you up? Oh wait, is this a joke.

82
00:04:27,640 --> 00:04:33,720
Speaker 1: Yes it is. It's a prank phone call. Yeah what yeah?

83
00:04:34,200 --> 00:04:39,120
Speaker 1: Yeah man, you all got me scared. Sounds like it. Yeah,

84
00:04:39,279 --> 00:04:41,520
Speaker 1: this really was all confusing, Like how do you I

85
00:04:41,560 --> 00:04:43,960
Speaker 1: don't know how you get like Aaron's like from like

86
00:04:44,000 --> 00:04:46,919
Speaker 1: what a car? What? Well, your friend Aaron emailed me

87
00:04:46,960 --> 00:04:49,200
Speaker 1: and asked me to do this prank phone call on you,

88
00:04:49,240 --> 00:04:51,320
Speaker 1: and he told me about how much Carpent was and

89
00:04:51,360 --> 00:04:55,279
Speaker 1: all that. Oh, yeah you're good, now you do you do?

90
00:04:55,320 --> 00:04:59,039
Speaker 1: You get it? Yeah? I guess I do. But he just,

91
00:04:59,279 --> 00:05:01,200
Speaker 1: you know, he just want old Trouble to do all this.

92
00:05:02,200 --> 00:05:05,280
Speaker 1: Yeah he did. Yeah, he didn't have a job, so

93
00:05:05,560 --> 00:05:08,839
Speaker 1: he's about time on his hands. Oh okay, well you

94
00:05:08,880 --> 00:05:15,880
Speaker 1: know that's cool. Yeah yeah he didn't. Idiot wake up

95
00:05:15,920 --> 00:05:18,719
Speaker 1: every morning with Juble funk tabs weekday mornings on the

96
00:05:18,760 --> 00:05:21,480
Speaker 1: twenties on Moving Natty two point five