DarksydePhil / TheyCallMeDSP / Phil Burnell - General Discussion

Status
Not open for further replies.
Prince Lotor said:
What kind of bank sees multiple overdrafts every month for 6 months or more and instead of closing that account just says, 'eh, whateves. Hey, why don't we just pay his bill for him with money he doesn't have? I'm sure he'll get back to us about having no money, it's cool,'?

Also ,what happened to Phil changing all his payments to happen at the end of the month, to coincide with his Twitch and YouTube payments, back in January?‽
Click to expand...

Actually, that happens a lot. Especially if you have direct deposits that the bank can tell are pretty much guaranteed.

Super profitable for the banks too. Over 10 years ago I had an account with WaMu, and they pretty much always honored any charges, they'd just take it out and charge $35 on top of it for the privilege. Shit gets hard to get back in the green with once you fall down. Paycheck deposits and I'm barely green again, so I have no choice but use that shit feature to pay my bills.

That's when I learned about budgeting. I think I paid something like $7500 in fees in just 6 months. So fuck you WaMu, I'm glad you're fucking dead now but also thank you for helping me learn to budget.

LostMy1stAccount said:
What if his parents actually told him to move back home to CT and sell his WAkhando?
In good old Phil fashion, his solution is to get rid of the CT condo so he can stay in WA?
Click to expand...
Something tells me if his dad said it - yeah, sure. But if his mom said "You sell that Wakhando and come home right now!" he'd do what she says.

Dad is ashamed at the failure he raised, momma is happy she'll always have her 'baby boy'.
 
  • Feels
  • Agree
  • Horrifying
Reactions: Draza, ((CH3)2Hg), big ups liquid richard and 2 others
Prince Lotor said:
What kind of bank sees multiple overdrafts every month for 6 months or more and instead of closing that account just says, 'eh, whateves. Hey, why don't we just pay his bill for him with money he doesn't have? I'm sure he'll get back to us about having no money, it's cool,'?
Click to expand...

DSP is a paypig himself, just for the banks. Banks love it when you overdraft, they get to charge you a $35 fee every time it happens. They make so much money off of overdrafts that they had to put laws in place to limit how much banks could charge for it.
DSP also doesn't pay off his credit cards, he carries a balance. The credit card companies love this too because they get to charge you upwards of 20% interest.
He's just giving away free money to these banks while being poor, just like his own disabled/menial-job-having paypiggies do for him.
 
  • Like
  • Agree
  • Informative
Reactions: Kermit the Frog, Adamska, Draza and 12 others
JamFlowMan said:
I've been having similar thoughts about why he suddenly needs to dump the Connecticut condo. His mom telling him to get rid of it doesn't seem like enough to get Phil to act. He doesn't do these kinds of things unless he has to do them. Before the Ct trip it was a non issue the after it's a huge priority. Just don't know why yet.
Click to expand...

His mom spurred it, but she probably brought up that he would get access to the $1500 or so he puts toward the CT mortgage a month, which he would definitely use only to pay down debts and certainly not spend on frivolous things. The greed is massively strong, as a wise man once said.
 
  • Agree
Reactions: Draza, ((CH3)2Hg), Heckler1 and 2 others
Pargon said:
Bill collectors and utility companies can be negotiated with. A person demanding money before goods are sold or services are rendered cannot.
Click to expand...


(6) Disconnection notification requirements. The utility must notify customers before disconnecting their service, except as described in subsection (2) of this section. Notification consists of the following requirements:
(a) The utility must serve a written disconnection notice to the customer either by mail or by personal delivery to the customer's address with notice attached to the primary door. If the disconnection notice is for nonpayment during the winter months, the utility must advise the customer of the payment plan described in WAC 480-100-138, Payment arrangements, and WAC 480-100-143, Winter low-income payment program. Each disconnection notice must include:
(i) A disconnection date that is not less than eight business days after the date of personal delivery or mailing, if mailed from inside the states of Washington, Oregon, or Idaho, or a disconnection date that is not less than eleven business days, if mailed from outside the states of Washington, Oregon, and Idaho.
(ii) All relevant information about the disconnection action including the cause for disconnection; the amount owed for regulated electric service and, if applicable, regulated natural gas service; and how to avoid disconnection;
(iii) All relevant information about any charges that may be assessed; and
(iv) The utility's name, address, and toll-free telephone number by which a customer may contact the utility to discuss the pending disconnection of service;
Click to expand...

Cliffs: Unless DSP is actually stealing electricity, in the state of Washington, the utility companies cannot shut off his power without a minimum 8 business days notice.

And from a practical standpoint, the utility companies aren't going to send DSP notice the moment his first bill is overdue.
 
  • Informative
  • Agree
Reactions: draculapenis, ((CH3)2Hg), Haunter and 5 others
JackDavis said:
DSP is a paypig himself, just for the banks. Banks love it when you overdraft, they get to charge you a $35 fee every time it happens. They make so much money off of overdrafts that they had to put laws in place to limit how much banks could charge for it.
DSP also doesn't pay off his credit cards, he carries a balance. The credit card companies love this too because they get to charge you upwards of 20% interest.
He's just giving away free money to these banks while being poor, just like his own disabled/menial-job-having paypiggies do for him.
Click to expand...
It will never cease blowing my mind how mindnumbingly retarded the common person is with their finances.

I can't wait until Phil actually has to struggle for his mistakes.
 
  • Agree
  • Optimistic
Reactions: Cataloons, Draza, Tatu Carreta2 and 1 other person
Eugene Drizzledick said:
I can't wait until Phil actually has to struggle for his mistakes.
Click to expand...

You and me both pal. I am losing hope it will happen however, as he seems to get away with utter stupidity and keeps flying under the radar with his stunts.

Myself, I was sure he would catch some flak for the two gender joke because Twitch and Twitter are utter retards, but not even a mention.

Imagine what kind of life he could have with his luck, if he wasn't retarded.
 
  • Agree
  • Like
Reactions: Cataloons, Draza, ((CH3)2Hg) and 4 others
  • Like
Reactions: 74 Screaming Armadillos
The problem with Dave is he doesn't need an actual paypig to donate to look impressive. He needs only a paypiglet. Someone that can drop a couple hundred on him and feel superior to the old man. You know, like cripples with minimum wage jobs and constant bullying.
Dave survives because he's the worst kind of mooch; he's both pitiful and overconfident and makes his piglets sound like they are making a huge contribution and really pulling his ass out of the fire. That combo just seems to work for 'survival funds'.

I know people like Dave, no matter what kind of money they bring in they live paycheck to paycheck. I had a friend who was paid weekly, a little over $5,000 each time, and still lived paycheck to paycheck. How? Easier than you think. He had no backup plan and was minor complication from losing everything. Wonder if he ever got his shit together.
 
  • Agree
  • Like
Reactions: Adamska, Draza, ((CH3)2Hg) and 1 other person
Yes, HAPPY dday.
HAPPY


788435


EDIT:

788443
 
Last edited:
  • DRINK!
  • Like
  • Feels
Reactions: chicken wings, Slimy Time, Kermit the Frog and 9 others
Nigel of Ukip said:
You and me both pal. I am losing hope it will happen however, as he seems to get away with utter stupidity and keeps flying under the radar with his stunts.

Myself, I was sure he would catch some flak for the two gender joke because Twitch and Twitter are utter exceptional individuals, but not even a mention.

Imagine what kind of life he could have with his luck, if he wasn't exceptional.
Click to expand...
I'm looking forward to the day I see "ladies and gentlemen we got 'im!" on the farms. - or he got himself, or the bank got the kahndo, or the Khet got the kahndo.....
 
  • Feels
  • Like
  • Agree
Reactions: draculapenis, Draza, ((CH3)2Hg) and 4 others
Phil has completely run out of ideas. Like completely. I can almost respect how blatantly obvious this charade is at this point and how much Phil chooses simply to simply feign ignorance. Him, Onision, and Wings could create the begging trifecta. Phil literally just traveled to see his parents and get married. He has already played out the "muh taxes" card dry, he knew people would continue to mention the houses so he is now claiming to foreclose on one. He has already played out the "slashed income" pity story as well. He has become a Snort Burnell video, he literally just says, "I'm broke, give me money." No attempt at context at all. Just, "give me your money."
 
  • Agree
  • Thunk-Provoking
Reactions: Slimy Time, JamFlowMan, draculapenis and 4 others
Wurstbrot said:
Is it normal in 'Murica to pay ALL the bills in the first two weeks of the month? His sudden begergency implies he's rather late on the payments (end last month / start this month) which is why he can't wait 10 days to get his whore-money. 10 days dood, unbearable, he can't afford a single onion *sips Monster energy drink*. Which also implies his payments on ALL THE BILLS are late.

Please correct me. This guy makes more money than if he had a regular job, also way more money than Tevin, also I wun't dare to speak bad abaht mah cult leader. Clearly, has to be a mistake on my part.
Click to expand...

It's normal in so much as that's the default most businesses use. It's a new month of using their services, so they would like you to pay for the past month. It can vary, but usually within in first 10 days of the month is what a business would like. It's also possible to request a new due date, and you don't need a strong reason like financial hardship or whatever. Now they may not always grant it to you, so a good reason is preferred, but the only businesses I know that are strict about not granting new dates and such are apartments or other rental spaces; because depending on state laws, the eviction process can be long and messy. But as an example, most people work job that pay bi-weekly; or the federal government always pays on the 1st and 15th (weekend/holidays depending). If you weren't flush with cash and your first week's check all went to rent/mortgage, your utilities, car payment, etc are generally more than understanding and letting you have a due date around the 15th or so. It's seriously not that fucking hard to do, as long as you put in a little effort.
 
  • Like
Reactions: draculapenis and Haunter
Status
Not open for further replies.
Back