all the money duncan's ever owned is now in a single cheque

clip from the armchair admirals stream (july 5, 2021)
watch the armchair admirals on twitch
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#yogscast #armchairadmirals #xenophyte

[@travishimebaugh8381]

Guys, Duncan's going through a tough time now. If you want to help him, leave a donation in the cup outside the cardboard box he's currently living in.

[@ScoobyFan0521]

This cardboard box is sponsored by Raycon wireless earbuds

[@andrewvaldez8866]

@@ScoobyFan0521 RAYCON GOOOD WIRES BAD!!

[@killernyancat8193]

@@andrewvaldez8866 I understood that reference.

[@andrewvaldez8866]

@@killernyancat8193 yay 🤗🤗

[@dudekazoo]

If human misfortune wasn't funny, Daltos wouldn't be in a single stream. He knows.

[@jaykdos9521]

Poor guy...

[@FARBerserker]

Remember:"If you owe the Bank 100 Bucks . . that is your Problem. If the Bank owes you 100 Bucks? . . Then that is also your Problem!"

[@BigSadClownBoi]

RIP Duncan, very brave to have your life on paper in the vicinity of a drink

[@Gooberpatrol66]

Brave of him to wave paper containing codes to his life savings in front of a livestream.

[@johnathandoe4951]

@@Gooberpatrol66 eh, need more than a few numbers for a cheque to be accepted

[@MattMann-cr2nj]

Yh the bank needs to see both sides and in better focus, not one small unfocused side of it which is what we saw.

[@robtoe10]

I'm surprised he didn't cash it as soon as was able

[@emmetkunzle897]

@@robtoe10 He didn't have a bank account anywhere so how would he?

[@xenophyte]

imagine your life savings being on one piece of paper, damn

[@dudekazoo]

You guys are getting non-zero life savings?

[@Sintesi.]

most peoples life savings are just some data on a hard drive, at least duncan has a physical copy.

[@cyriell]

@@Sintesi. true but having a single little piece of paper have your entire life's work is very scary

[@peter4210]

@@Sintesi. just remember that money currently has no real world value, it's all based on random crap that makes no sense. We just all agree to be fucked over by people who abuse the nonsense

[@eaglestdogg]

@@peter4210 all value is a human construct. Money has never been based on any inherent value. A shiny rock is not more useful than food yet the former has more monetary value. Rare metals being used as and then as backing for money was just a stepping stone into more efficient forms money.

[@HaydenLau.]

Eagerly waiting for Tax Evasion is perfectly balanced without any exploits by Spiff

[@dylanboczar999]

Step one: Be Amazon Step two: ??? [abuse of tax legislation, human rights, the world economy] Step three: profit

[@salty5613]

1 create a company with you and your friends as the only employees 2 run all your expenses through the company as a business expense and tax write offs 3 open a second company that works as a irs contractor. 4 arrest yourself for tax fraud 5 fake your death and retire from contracting with the irs. 6 move to Panama and run for president with all the money you made. 7 turn panama in a capitalist wonderland taking 30% of its profits. 8 retire to a private island alone. 9 achievement unlocked “perfectly balanced”

[@edwardlye731]

I'm surprised he'd bring that in, what if someone spilled a drink?

[@MisturSmith]

Honestly if I was Duncan I would never let that thing out of my sight, I wouldn't want to leave it anywhere.

[@Sam-kt1mi]

think he gets his post sent to the office lol

[@TheBloodypete]

@@Sam-kt1mi It'll be his companies registered address.

[@depthcharge4]

He probably cashed it in before the stream

[@pieterpauwels548]

@@depthcharge4 probably not considering his bank account just got terminated. He says in the video he's gonna find a different bank for his next account so safe to say he didn't have any bank account at that time, unless he already had multiple.

[@Fishes29]

If I remember right Google tried to take the guy to court, and the judge said "he sent you a legal contract and you agreed to it, what did you expect?"

[@sevenpolar3483]

what a legend. I hope enough people do the same thing so that the law changes and companies can no longer give you random charges all the time.

[@wangpasta]

Can’t remember the full story but I think someone did something similar to apple but with TOS. So he was sent a contract but before he signed he made amendments and sent it back, the people and apple didn’t bother reading the contract (who’d have thought) and ended up owing him money. He was taken to court and the judge ruled in his favour as there was a signed legally binding contract

[@Xzcouter]

Can you link the story or tell where to find it? I am genuinely curious and want to read this

[@Pheatan]

@@wangpasta this is what somebody did to a bank notorious for short term predatory loans, and he got millions when they failed the contract

[@samphillips8188]

If we're thinking of the same person, didn't that guy get sentenced to up to 30 years.

[@LordSusaga]

I remember one story, not sure if it's true or not, but there was a guy who, ever day, worked in a toll booth at the entrance to a zoo car park. After decades of him working there, he just stopped turning up to work, and nobody was working the toll booth. The zoo called up the council to ask where he went, and the council was confused, because he didn't work for them. It turned out the dude didn't work for anyone. He just set up a toll booth and took people's money as they came in.

[@pemo2676]

i've heard this, said it was actually IN bristol.

[@bobomcgraw]

I think that one was proven to be a myth

[@pemo2676]

@@bobomcgraw probably but still possible on small scale, i can imagine an unreported story like this or a foreign story like this happening

[@samcavanagh7993]

@@bobomcgraw yeah i've heard this story multiple times but it changes between being a zoo, office building, themepark, etc so probably a myth.

[@placeholdernameisplacehold7671]

@@samcavanagh7993 It was based on an actual guy at Bristol zoo though.

[@CarespankerGuildslayer]

Be sure to buy some duncan's park tshirts to support him in this dire time.

[@TheNoobchat]

he wouldn't get any money from it though, he has no bank account

[@CynderDragoneye]

I think they sold out finally a couple years back

[@luakkun318]

Poor Duncan, hope it gets sorted out

[@nobodycares743]

it probably won't lol

[@HaydenLau.]

@@nobodycares743 Why?

[@d36class]

@@HaydenLau. cause companies and corporations are scummy

[@Arrusoh]

He probably will have to get a new account with another bank

[@MrPaxio]

at that age and wealth you have ATLEAST one bank account incase this exact thing happens + benefits, lol, its not like the 1800s where now he has to travel the world to figure this out. they closed his shit for good they need more validation cuz hsbc is prob getting shafted by regulators

[@koenvandamme6901]

"Our collegue is having his financial stability messed with, let's go live so we can laugh at him along with everyone on the internet." Bless the Yogscast :')

[@user-dx8nj7qj2g]

I can just imagine the icing on the cake is duncan gets searched on his way home, the check for his savings is found, accused of being drug money, confiscated, and when he's found innocent, still not returned

[@ItzzzBeamo]

I know Civil Asset Forfeiture is a thing in the US, but is it elsewhere as well? And yeah, it is incredibly corrupt.

[@AlasdairGR]

I just found a Huff Post article from 2013 of HSBC doing this exact same thing to some small business accounts and it’s even worse than Duncan’s situation. It’s truly a horror story of terrible communication and customer service (which isn’t anything to be surprised about with any big bank).

[@lladerat]

Wait till you realise that 99% of your digital life and work is binded to google and google can just one day randomly decide to terminate your account permanently, with all of your mail, channels, binded accounts, payment systems, everything, only difference is they wont send you any checks. Happens to a lot of people.

[@aelix56]

That's a fun fact

[@souran1321]

What on earth are you on about? Google's payment system is just a virtual account that links to your bank account, it's not exactly pertinent. Also losing access to Gmail isn't exactly the end of the world. You still have a telephone to update an email address. What a bizarre argument.

[@guidojacobs2002]

And just like that, every British Yogscast fan withdraws their entire accounts from HSBC and opens an account at a different bank.

[@goblez5900]

Just like that. Because changing banks is so easy

[@guidojacobs2002]

@@goblez5900 It really is. You move a bit, redirect your autopaid bills and other expenses, then move the rest.

[@Candlemancer]

@@goblez5900 You can do it online in like an hour.

[@oliverer3]

@@goblez5900 Can confirm is surprisingly easy.

[@Collserra3]

@@goblez5900 it's so easy the bank can do it in about thirty seconds

[@t2force212]

Ben unintentionally advocating for the dissolution of the United Kingdom at the end there.

[@klaxoncow]

Don't worry, it's going to fall apart when Scotland leave the UK anyway.

[@kitsunekaze93]

just ask for all your personal data. they legally have to give you ALL data related to you that does not violate any other persons privacy, or is part of an ongoing official criminal investigation.

[@jamescarroll384]

Wow I really thought this was a Duncan troll the whole time ( ala the Firework or Beer Bottle) and he was gonna destroy the paper and then act heartbroken. It actually being real feels unsettling...

[@HaydenLau.]

That probably fucks with his credit score

[@stickpivot1000]

@@mran43 we have credit score in the uk

[@Spark-bw3ph]

@@mran43 not true

[@raidwipe]

credit score doesn't officially exist in the UK, your 'credit score' means as much as me offering you a 'Good Person Score', it's used to market credit cards and credit check companies.

[@RyuLightorb]

This is why I love Australia credit scores exist but your not punished for not having a credit card I can do everything with my debit that someone with credit can just as easy

[@Andrew-fi1sd]

@@RyuLightorb I mean can't you do that in other places? Just use debit instead of taking money out on credit cards.

[@crazyt1483]

This is literally the reason why every one of my family members have accounts with at least 2 banks and also the reason I’m hating my banks for automatically switching me to online statements where the system is a nightmare to make a external copy.

[@kkay000]

Poor Doncon, hope everything goes well for him.

[@xenophyte]

should be all good now. all the monies safe in a new bank. it did take a week though he said haha

[@77skull]

That was quick, this happened literally 5 minutes ago

[@Pseud0nymTXT]

at some point, the yogscast are just gonna start outwardly advocating for and planning a revolution and I can't wait

[@IBradFrazer]

I've heard the rumours of how bad HSBC is as a bank, but as a user of HSBC services, this makes me feel afraid that I might be next lol.

[@funoff3207]

The best part is if someone pays into a HSBC closed account they don't bounce back the payment, they keep it

[@jada7109]

So sorry Duncan :[

[@iamkek]

I wonder if this has happened to multiple clients with this bank, like how random people were down/up 50 billion in their bank accounts this year. Might be a sign of banks being in a lot of trouble if they are closing out clients suddenly.

[@pauliusthemad3498]

To be honest nintendo one is kinda funny because it's often charged for games that nintendo doesn't sell emulators for or doesn't sell at all...it's rather funny.

[@calebhughes975]

That's what's the most upsetting about it honestly. All of the emulators I've ever downloaded were for games I owned in my childhood but the hardware for them either kicked the bucket or I lost at some point and theres no other way to play them now. It's ridiculous that someone can be taken to court for making it accessible again when the rights-holders refuse to because it wouldn't make them enough money, so they just sue emulator-makers and make revenue off of old titles that way.

[@Mineboost]

LMAO the first time he says "FUCKING CHECK" is with such ferocity, holy fuck Duncan that truly is a hot poker in the ass by them.

[@Porzellanschnitte]

that‘s my fucking nightmare, I feel so sorry for Dunc

[@FingerLickinEvilToTheBone]

Imagine it rains and your entire livelihood becomes soggy.

[@explodingsnowmanyt]

I hope it gets sorted out, I would be so pissed!

[@Hexra_]

Y'know its about to go down when Spiff says "exploit" live on stream

[@iamzid]

there was a lady near where i live that worked at the trash transfer station, where anyone can bring trash and they take it for a fee, and she was taking money from people who payed cash and not reporting all of it. she did this for like 20 years and no one ever caught on. she eventually got caught because she called a repair man to fix a leak in her roof and he found some garbage bags full of money in the attic and called the cops. turns out she had about 2 million in small bills up there. 2 million dollars, in black trash bags, in a pile, in her attic. *facepalm*

[@xdguy2569]

I’ve got it right here it’s 20 million dollars!

[@ziksy6460]

This is one of my biggest fears. If my bank or my broker decided to close my account for no reason one day, I would be fcked in so many different ways.

[@handsomecaveman]

Bank accounts have become essential to take part in day to day life which is why there are regulations in place against that kind of thing - at least in the EU. This beggars belief.

[@ziksy6460]

@@handsomecaveman that's just it, I don't live in the EU. And one of the brokers that I use is a foreign one that's not regulated in my country - because I invest in American equities despite not living in America. So I'm afraid if something happened to this account, there wouldn't be much that I could do :/

[@Scio_]

That's a very nice check you got there. Shame if something were to...happen...to it...

[@rupeeb]

not your keys, not your wallet

[@stinkytoby]

Imagine if the post lost that thing and he got refunded like 2 bucks in postage

[@Ckcdillpickle]

The gift code thing doesn't seem right.. The one article I read mentions he tested processing systems or something for microsoft, they have a special card that lets them buy stuff on any microsoft store and it buys it.. but it doesn't actually buy or send anything... except for gift cards

[@Jambion]

The joys of being a pen tester

[@Coooooops]

It is kinda funny.. like you just walk into another bank branch and they'll transfer it almost on the spot

[@diluted9]

What laws would be established by our glorious leader Ben in the Demorcratic Republic of Yogs? A ban on harpoon seems obvious.

[@ThogusDonatus]

sounds like the And it's gone south park meme but irl

[@tavishfive926]

Just like Office Space

[@fehllyy]

well at least he can choose a more ethical bank now :)

[@waffielz3106]

rip him

[@kunnyfunte8165]

Duncan is going through what all the kickstarters for yogsworld went through but at least he got his money back at the end

[@cookieridergirl]

Hopefully. All Duncan needs to do is opens a new bank account with a new bank. Get his direct paycheck sorted out at work and set up however he was paying his bills. Still disturbing as hell that they closed it without noticed. I am assume our sweet Duncan here is clean and was active on his account.

[@azeria1]

That’s why you don’t have a bank account just have all your money under your mattress

[@KingKobra98]

Btw that man in America who did that to Google earned several million dollars for that little hustle. Guess he didn’t know when to stop.

[@FriendlyKat]

This seems highly illegal, and I don't know UK laws. Why would they do that? That's pathetic! Hopefully Duncan gets all his stuff back!

[@swaggadash9017]

When you put money in the bank the bank owns it until you take it out. They can literally spend your money.

[@cavfre148]

@@swaggadash9017 yes, but they are also supposed to pay you back for any money they spend

[@swaggadash9017]

@@cavfre148 they could always take everyone's money and say they are going under, then you'd be screwed.

[@FriendlyKat]

@@swaggadash9017 I hate capitalism.

[@cavfre148]

@@swaggadash9017 they’d have to release a statement, which means it can be investigated if the circumstances of the bankruptcy are suspicious

[@og_epicsimulator]

What the fuck. This is actually so concerning and absurd

[@booshfan24]

Good on Duncan for outing them tbh

[@AR-mp2ib]

Duncan's One Piece

[@L.Plant1]

It’s time to switch to Lloyds then

[@Anty2004]

This must be to do with the OnlyFans profile Duncan started, banks don't approve of that sort of business activity.

[@AuSSiEJaZzA]

Mine would have just closed and sent a check for $0 lol.

[@cc3]

It would be particularly shit if the check didn't make it due to a delivery error etc. I personally only have one account with HSBC and if they'd done that to me i wouldn't even be able to get into work tomorrow or buy food.

[@Geek-x]

Kinda wanna do a Big Novelty Check from "HSBC" saying "Fucking Poor. Because HSBC closed your account. Rekt."

[@judechauhan6715]

What??? Is this real?

[@user-dx8nj7qj2g]

2:53 I think the problem with the guy was that, he wasn't sending invoices for actual reasons, he just sent random ones hoping they'd pay, which makes it fall into the fraud category. however, I believe as long as its an actual reason, like admin charges for having to reply, it might technically be legal.

[@Srade2412]

well the situation they were talking about was miss told by them. What actually happened is the guy made a legally binding contract for google to sign they signed it and had to make payments due to the contract, when they realised they went to court and the court sided with the guy because they signed the legal contract so google was fucked.

[@MrThebarron007]

revolt against the modern world

[@MartinOlminkhof]

Was there a follow up to this?

[@xenophyte]

not really. but i asked dunc in one of his streams about it. _it's all good, moved to a new bank. it took a week though, which is kinda annoying._ he said something along those lines

[@9PlatinumGamer9]

I thought cheques hadn't been a thing since the 60s. The only places I've seen them is old American movies, and now this video.

[@Srade2412]

yeah cheques really only get used when the amount of money is unreasonable to carry around as cash or the bank simply doesn't have enough cash to give you

[@9PlatinumGamer9]

@@Srade2412 Here in Norway, money is transferred digitally. We almost don't use cash anymore, and have never used cheques.

[@Mystic-Midnight]

I see them often in the US like we hand one off to the landlord to pay rent and if I need to pay someone 50+ I'll hand them a check

[@sambishara9300]

What happens after that? Do they want him to use a different bank?

[@Rain0T]

it's not like he has another option other than going to a new bank

[@henryambrose8607]

He could open a new account with HSBC, but obviously he wouldn't want to after this.

[@FleshlyDelight]

You walk in to another bank and ask to make an account. You explain the situation about your account being closed and how you need to deposit this check you received for all your assets. There's some other stuff to worry about, but the bank can help with that too.

[@RipperTips]

The dude in america supposedly charged 120-170million

[@stuartrockin]

That's why I only handle my transactions through the sperm bank.

[@lv100Alice]

i'm fastest zoomer in the zoomer universe

[@MrKeeganimal]

This is beyond fucked and I hope they give him a bit more information going forward

[@AustinPinheiro_uniquetexthere]

why did they close his account? just randomly? and all his history too? cant ask to get it?

[@kitsunekaze93]

yes, if he asks for it, they legally have to give him ANY data thats related to him

[@adamgrocco]

Sips used to work for HSBC, ask if he still has any passwords for their systems.

[@slimj091]

I mean I guess that's what you get for doing your banking with a business that has "CUK" in the name.

[@Mortech_]

Why did this happen though? It's so bizarre.

[@TheGlintbeetle]

Rip cheque. Renounce society. Return to monke.

[@joshuaevans4301]

Don't know if they are a thing in the UK, but this is why I prefer to bank with a credit union

[@theawkwardpotato264]

Navy Federal is pretty nice, but I think it's an American entity so I'm not sure if they have them across the river.

[@oglocop4693]

Based

[@HotkeyGaming]

does companies in the UK really charge £100 admin fees? o.o

[@satansduck3632]

The price varies by company but yes, a lot will charge admin fees

[@kitsunekaze93]

@@satansduck3632 just send them a contract along with it, stating that any payment will be accompanied by a payment fee equal to any potetial admin fee

[@DarthAidan]

I buy so much illegal stuff from amazon too

[@quietstories795]

Is.... is this allowed?! Is this legal?! Wtf?!?!?!?!?

[@DannyB1111]

No, they didn’t do anything particularly wrong. The bank can choose whose money they take, and they didn’t want his anymore. They have a right to stop providing their service.

[@quietstories795]

@@DannyB1111 thats crazy....

[@Aimismyname]

lmao what a fucking rut to be stuck in

[@RowBowLP]

That is so ridiculous ^^ how is that legal?

[@johncordero1248]

Before the vid started, I straight up thought this was gonna be a One Piece joke.

[@Q8Bart]

Duncan need help from his little Brother Kaleb ;)

[@SeditiousSpyke]

Link to what actually happened?

[@AsbestosMuffins]

HSBC there's your problem. those guys are nearly the worst bank in the world, laundering money for literally any criminal in the world

[@avery42069]

if that guy just told them about the websites exploit he wouldve got a bonus or a raise and would have been better off in 2027 than he will now

[@CrossBreedTacoHD]

Extreme doubt he would have gotten anything other than a small compliment from his manager.

[@avery42069]

@@CrossBreedTacoHD even then he's in prison for 6 years now

[@CrossBreedTacoHD]

@@avery42069 true true

[@tomhubbard8510]

Did Duncan sue them...cos seriously...

[@LaWraWaN]

That is pretty fked up. No warning or anything!?

[@big_icky]

I'd feel fortunate they closed the account instead of freezing it with no release date. At least Dunc gets to see the money again instead of just being told he can't have it at all

[@ieatgarbage8771]

>”cheque” Lol

[@bwood6337]

Man I'd definitely laugh at my friend too but from the business perspective this is super fucked up.

[@rasmusazu]

Why did it happen though?

[@hoisinholdup]

Might be crypto related. I seem to remember Dunc being into them a few years ago and HSBC have gone a bit funny about it recently

[@melmao9507]

Yeah, there's nothing terribly wrong about what HSBC did here. As an institution they decided that they no longer wanted him as a customer based on some risk calculation, so they closed his account and gave him back his money. It just is yet another example of why you should maintain multiple accounts so you don't suddenly end up being underbanked as sometimes getting an account when you have a negative account outcome becomes much harder. It also might be that he had a personal account instead of a business account (as classified by the bank) and they saw business transactions out of it which violated some internal policy.

[@Andrew-fi1sd]

@@melmao9507 Screw that technicality bullshit, they could've at least given the guy a call. Banks are still staffed by living people with brains they can use.

[@snowsandshrew1276]

My question, does he have to pay tax on that cheque??? because that would be FUCKING BUUUULLSHIT

[@bluestormpony]

can he not sue the bank over this?

[@raidwipe]

over what? lol

[@jasonschuler2256]

Even if they violated the contract Duncan signed with them in some way, it would be hard to prove and would probably result in him paying more in legal fees than he would get from the bank.

[@kitsunekaze93]

@@jasonschuler2256 but if he is in the right, THEY pay his legal fees as well? thats how court fees usually work

[@jasonschuler2256]

@@kitsunekaze93 I don’t know how it is in the UK, but that’s incredibly rare in the US. Both parties usually have to agree to it in advance and that’s makes the case harder for the plaintiff to win. And certain states actually have laws that flat-out don’t allow it.

[@FumbleBee1312]

@@jasonschuler2256 in the UK if you win the case they have to pay your legal fees, it’s flexible but that’s generally how it works

[@JeskidoYT]

Damn sending prayers to Duncan. Does he have a GoFundMe to get his money back?

[@FriendlyKat]

He has no account to get money.

[@233Deadman]

he has his money, he just cant use any of it until he manages to get another bank account.

[@FriendlyKat]

@@luxinvictus9018 I see! I thought he lost both, and the paper was just a statement saying that's what he had before and that now he has 0. My bad! Thanks for clearing that up. Still bullshit for him though.

[@pinkpixels8806]

@@FriendlyKat haha he would be a LOT more angry about it if the bank just took all of his money.

[@Srade2412]

@@pinkpixels8806 pretty sure the courts would be involved if that happened

[@indigolabsindegoshark]

the yogscast embrace socialist anarchism

[@Thoast_]

I thought it said owed, not owned. This seems more fucked up now