困在系统中的人 Insanlar Ikiye Ayrilir(2021)(EN)Subtitles
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1 00:00:07 In a land far, far away, there was a girl called Cinderella
2 00:00:11 whose beauty was legendary.
3 00:00:13 One day, she received great news.
4 00:00:15 Up in his castle, the most handsome man in all the land…
5 00:00:19 Prince Charming was planning to throw a ball
6 00:00:20 to find a woman to be his future bride.
7 00:00:24 However, Cinderella had nothing to wear, let alone a car to take her to the ball.
8 00:00:31 - At that moment... - Mother Kapital!
9 00:00:33 ...arrived and covered Cinderella’s needs.
10 00:00:35 Quiet, you. You haven't stopped gabbing this whole time.
11 00:00:38 Darling, come here now.
12 00:00:41 Now, go and buy whatever you need.
13 00:00:43 Don't wait for Fairy Godmother to fulfill your needs.
14 00:00:46 Just come to Kapital Bank.
15 00:00:47 Come and get your Kapital Card and use it for all your needs.
16 00:00:50 From education to transportation, holidays to investments…
17 00:00:54 Leave the rest to your bank.
18 00:00:55 Kapital Bank.
19 00:02:13 She's not here yet?
20 00:02:27 Hello? Ms. Müge?
21 00:02:29 We're in the room.
22 00:02:31 Please take your time. We'll be waiting for you.
23 00:02:40 I wish I'd never met you.
24 00:02:43 You bit off more than you could chew, and now we're both in the shit.
25 00:02:48 I treated you well.
26 00:02:50 I gave you a job, an income. Was that a mistake?
27 00:02:53 Look, don't say anything stupid.
28 00:02:56 Just answer her questions and say nothing else.
29 00:03:01 This is your mess. You can clean it up.
30 00:03:05 If I have to lose my business because of you,
31 00:03:08 I swear I won't let it go unpunished.
32 00:03:18 Your colleagues said this room was available, so here we are.
33 00:03:21 That's fine.
34 00:03:24 Where should I sit?
35 00:03:26 Wherever you want.
36 00:03:43 Are you okay?
37 00:03:47 I'm fine.
38 00:03:49 I have a headache.
39 00:03:50 I took a painkiller. I should be fine soon.
40 00:03:54 Are you okay to talk?
41 00:03:56 Yes, it's no problem. It’s not that bad.
42 00:03:59 Okay.
43 00:04:02 We’re starting right away?
44 00:04:04 Are we waiting for someone?
45 00:04:06 No.
46 00:04:08 In that case...
47 00:04:22 Ms. Duygu, Mr. Eray must have told you
48 00:04:23 that I’m conducting an investigation on behalf of the bank.
49 00:04:26 That's why you're here today.
50 00:04:29 Management is concerned about what happened.
51 00:04:31 They have the right to know what happened.
52 00:04:35 So I’m going to ask you everything about this case from the beginning.
53 00:04:38 I hope you will cooperate.
54 00:04:42 Of course.
55 00:04:46 After everything that's happened,
56 00:04:48 it makes no sense to hide anything, right?
57 00:04:50 Right.
58 00:04:56 June 3rd, 2019, Maslak, Istanbul.
59 00:04:59 Duygu Tüzel’s statement.
60 00:05:12 If you don’t make the deposit by Friday, the bailiffs will have to handle it.
61 00:05:14 I didn’t get my salary on time.
62 00:05:16 Otherwise, I’d never delay the payment.
63 00:05:18 Of course. But if you don’t pay up, a legal challenge can start at any moment.
64 00:05:22 If that happens, even I won't be able to help you.
65 00:05:25 I understand. Thank you.
66 00:05:35 Yes, Mom?
67 00:05:37 No, I'm outside. What happened?
68 00:05:41 No, I don’t think it's important.
69 00:05:44 Don't open it, Mom.
70 00:05:45 Just leave it on my desk. I'll look at it tonight.
71 00:05:50 Did you sign anything?
72 00:05:52 Okay, Mom, okay.
73 00:05:56 Mom, my bus is here. I'll call you later, okay? Love you.
74 00:06:00 Sorry.
75 00:06:02 No problem. Please follow me.
76 00:06:04 ERAY EGE CONSULTANCY
77 00:06:21 It’s a standard contract.
78 00:06:24 The most important part is on the last page, the payment schedule.
79 00:06:28 We already kept it to a minimum.
80 00:06:34 Could we turn on the AC, please? It's too hot in here.
81 00:06:38 Unfortunately, the remote control is broken.
82 00:06:45 There won't be any problems if you pay the installments on time, Ms. Ceren.
83 00:06:49 But we need a down payment from you.
84 00:06:51 On the phone, you said you could give me a discount.
85 00:06:55 Yes, I'm already doing that.
86 00:06:57 And I'll give you a 12-month extension as well.
87 00:07:00 But there’s still a minimum amount that needs to be paid.
88 00:07:04 If only I had that amount.
89 00:07:06 Don't you have a friend or an older brother who could support you?
90 00:07:11 No?
91 00:07:15 In that case...
92 00:07:17 you can sign the contract now, and we'll discuss this among ourselves.
93 00:07:22 We’ll see if we can postpone the advance payment.
94 00:07:34 Duygu, could you come here for a sec?
95 00:07:36 I'll be right back.
96 00:07:54 Don't sign it.
97 00:07:57 Excuse me?
98 00:07:59 Don't sign it.
99 00:08:01 She can’t do anything if you don’t sign it.
100 00:08:04 But if you sign it, you’ll have to pay all of it.
101 00:08:07 But isn’t this the last day for the discount?
102 00:08:09 There is no discount.
103 00:08:10 She could write all the interest off if she wanted to.
104 00:08:12 She could postpone the due date, or even reduce your debt.
105 00:08:15 But if you sign that and don’t pay up, you’ll end up in jail.
106 00:08:18 I’m just here to offer advice. It’s up to you.
107 00:08:20 - What should I do? - She's coming!
108 00:08:26 I'm really sorry.
109 00:08:29 They mixed up the files going to the bailiff's office.
110 00:08:33 So, are we done? Did you sign it?
111 00:08:52 Wait a second. Just walk me through it again.
112 00:08:55 The meeting you had with Ms. Ceren on April 15th, was that the first one?
113 00:08:59 First one, face to face.
114 00:09:01 We had spoken on the phone before that.
115 00:09:03 The debtor refused to sign the contract.
116 00:09:06 Yes.
117 00:09:08 Does this happen often?
118 00:09:11 It's rare for someone to say yes over the phone
119 00:09:13 and then refuse to sign it when they come here.
120 00:09:17 Did that make you suspicious?
121 00:09:21 Yes, it did.
122 00:09:25 And another thing...
123 00:09:31 The temperature in the room had dropped.
124 00:09:36 What does the temperature have to do with this?
125 00:09:41 During our interviews, we sometimes heat up the rooms
126 00:09:45 to help persuade the debtor.
127 00:09:55 Anything else?
128 00:09:57 Anything unusual about Mr. Bahadir's behavior?
129 00:10:00 Everybody was stressed about hitting their quotas before the bonuses.
130 00:10:05 But, of course, this has nothing to do with the quotas.
131 00:10:11 Please continue, Ms. Duygu.
132 00:10:16 STATUS: NOTICE LETTER NOT SENT
133 00:10:28 No, nothing like that.
134 00:10:38 I've given you every penny I've earned for the last two years.
135 00:10:42 Don’t you have any mercy, any decency at all?
136 00:10:44 I've only missed one month's payment. One month!
137 00:10:47 - Could you calm down, Mr. Feridun? - Calm down! Why should I?
138 00:10:50 You embarrassed me in front of my family.
139 00:10:52 You didn’t answer our calls, so we called your family.
140 00:10:55 This is my debt!
141 00:10:57 Why the hell did you call my brother?
142 00:11:00 What gives you the right to do that?
143 00:11:03 Look, I’m not kidding.
144 00:11:05 If you ever call my mother, my father or my other relatives again,
145 00:11:09 I will burn this place to the ground!
146 00:11:13 What's going on there? What did he say?
147 00:11:15 We couldn't convince him to come in for a meeting.
148 00:11:18 He threatened us because we called his family.
149 00:11:20 - He can't do shit. Fuck him. - He says he's gonna report us.
150 00:11:23 Well, good luck to him.
151 00:11:24 Did he consult me before spending all that money?
152 00:11:28 Come on, dear. Let's go to the restroom and dry those tears away.
153 00:11:34 He kept asking, "Why did you call my brother?"
154 00:11:38 As if I enjoy doing that.
155 00:11:41 They tell me to do it, so I do it.
156 00:11:43 I don’t enjoy calling his brother.
157 00:11:48 He kept swearing, Duygu. Why would someone do that?
158 00:11:53 Don’t let him get to you. Why do you care so much?
159 00:11:56 He said, "I hope your children suffer because of your actions."
160 00:12:00 Isn’t that a vile thing to say?
161 00:12:08 Nothing will happen to my baby, right?
162 00:12:11 Don’t be silly, Tilbe.
163 00:12:13 That’s not up to him.
164 00:12:15 - It won’t happen, right? - No, it won’t, dear. Don’t worry.
165 00:12:23 I can't take this anymore.
166 00:12:27 I'm going to quit.
167 00:12:30 What are you talking about? You'll be on maternity leave soon.
168 00:12:32 Nope. Once the bonuses have been calculated, I'll quit.
169 00:12:35 I can't take it anymore.
170 00:12:37 Okay, just wash your face and calm down.
171 00:12:42 I’ll get you a nice cup of coffee in a moment, okay?
172 00:12:52 Do my eyes look red?
173 00:12:56 Correct me if I'm wrong.
174 00:12:57 All employees undergo training when they start working here, right?
175 00:13:01 Yes.
176 00:13:03 So, you know that you can't have a personal relationship with a debtor?
177 00:13:08 Yes.
178 00:13:10 And yet you contacted Ms. Ceren.
179 00:13:15 Who called first? You or her?
180 00:13:17 She called me first. We talked for two minutes at most.
181 00:13:22 Who suggested meeting up?
182 00:13:24 I can't remember. Me, I guess.
183 00:13:29 - Thanks. - Thanks.
184 00:13:33 I’ve never felt that helpless before.
185 00:13:35 I’m scared of the phone, scared that she will call.
186 00:13:37 - Yes. Duygu's a go-getter. - I don’t know about that.
187 00:13:40 But she literally haunts my dreams.
188 00:13:42 She's just trying to fill her quota.
189 00:13:45 Is that why she got angry when I didn't sign it?
190 00:13:48 She gets bonuses for doing so. But you did the right thing.
191 00:13:50 You can bargain forever as long as you don’t sign anything.
192 00:13:54 - You think so? - Uh-huh.
193 00:13:58 But she said I couldn’t get a discount on the interest if I didn’t sign.
194 00:14:01 Don’t buy that!
195 00:14:03 If you don't pay, she'll have to deduct the amount from the initial debt.
196 00:14:06 And what happens if I can't pay that?
197 00:14:08 Nothing. You pay whatever you can.
198 00:14:10 For once, let her not hit her target.
199 00:14:15 Is that why you're helping me?
200 00:14:18 No, not because of that.
201 00:14:22 Then why?
202 00:14:28 I know what it’s like to be in dire straits.
203 00:14:30 Not everything's about money.
204 00:14:34 - Thank you. - No problem.
205 00:14:36 No, thank you. Really
206 00:14:40 If it weren’t for you, I would've signed it in a heartbeat.
207 00:14:44 No problem.
208 00:14:46 If she calls, don't answer. Because she's gonna call.
209 00:14:51 Don't answer calls from unknown numbers.
210 00:14:53 Okay, I won’t pick up.
211 00:15:12 Can you give me your phone, Tilbe?
212 00:15:14 What are you gonna do?
213 00:15:17 I'm trying to reach that girl, but she's not answering my calls.
214 00:15:38 No answer?
215 00:15:43 Until the day we met, she answered all my calls.
216 00:15:47 She was ready to do whatever I said, but then she suddenly disappeared.
217 00:16:04 Ms. Ceren!
218 00:16:07 Ms. Ceren!
219 00:16:10 Yes?
220 00:16:11 I've been trying to reach you for a few days now.
221 00:16:14 Okay, but why did you come here?
222 00:16:15 You're not responding to any of my calls or my texts,
223 00:16:18 so I had to come all the way over here.
224 00:16:21 Yeah, I was busy. I had no time to take any calls.
225 00:16:23 That's okay. But we have to talk.
226 00:16:26 I know this is weird, approaching you on your way back from work...
227 00:16:30 I get it. I'll call you tomorrow or whenever I’m next available.
228 00:16:34 Just a second. I know it seemed like I put pressure on you the other day...
229 00:16:38 - That's my bus. - ...but if you let me explain--
230 00:16:40 - Sorry, I'm in a hurry. I'll call you. - I'll explain if you listen for a moment.
231 00:16:44 Ms. Ceren, Ceren!
232 00:16:46 I'm trying to tell you something for your own good.
233 00:16:49 Don't sign it. She can't do anything if you don't sign it.
234 00:16:53 If you sign it, you'll have to pay all of it.
235 00:16:56 But isn’t this the last day for the discount?
236 00:16:58 - What the hell is this? - Just give me five minutes.
237 00:17:01 If you're not convinced, you can take the next bus.
238 00:17:07 I know it sounds ridiculous, but everything you saw in that room
239 00:17:11 had been rehearsed. It had all been planned beforehand.
240 00:17:15 The room temperature,
241 00:17:17 making you wait in the corridor,
242 00:17:19 me leaving the room...
243 00:17:22 It was all planned.
244 00:17:24 Okay. But why?
245 00:17:27 To persuade you.
246 00:17:30 Look.
247 00:17:31 The interviewers play good cop, bad cop.
248 00:17:36 After I put pressure on you, I was supposed to leave the room,
249 00:17:39 and the good cop was supposed to convince you to pay up.
250 00:17:44 But this time, it didn’t go as planned.
251 00:17:47 No, it didn’t.
252 00:17:49 But I knew it wouldn't anyway.
253 00:17:52 How did you know?
254 00:17:57 Because whenever a beautiful young woman comes in,
255 00:18:00 these sons of bitches just can’t keep it in their pants.
256 00:18:11 This is the list of debtors we interviewed together in the last quarter.
257 00:18:15 Take a look. There are 141 people.
258 00:18:18 We failed with only 12 out of those 141.
259 00:18:22 Ten of them are your age.
260 00:18:25 All women, all single.
261 00:18:30 How do you know they are single?
262 00:18:32 We receive all kinds of information from the bank.
263 00:18:35 Your relatives, addresses, debts, receipts, everything.
264 00:18:41 How stupid am I?
265 00:18:43 I thought...
266 00:18:45 You thought he helped you because he liked you.
267 00:18:49 Don't blame yourself.
268 00:18:51 They train us to manipulate you.
269 00:18:54 No, I'm not known for making great decisions anyway.
270 00:19:04 I'll do whatever I can to help you with your debt.
271 00:19:08 I promise.
272 00:19:11 But you're going to help me as well.
273 00:19:14 What kind of help?
274 00:19:22 Come on!
275 00:19:24 This can't be your first time.
276 00:19:26 You've set me up.
277 00:19:28 I swear, it's my first time.
278 00:19:31 You're kidding me.
279 00:19:33 Cool moves, slides, artistic throws and everything.
280 00:19:36 I get it, you're a pro at this.
281 00:19:40 I went easy on you because I thought you were a newbie,
282 00:19:42 but no more mercy!
283 00:19:43 Come on! Now you're only fooling yourself.
284 00:19:46 It's just one dinner. Get over it!
285 00:19:50 Come on!
286 00:19:58 - Don't laugh. - Sorry.
287 00:20:02 You know I'm broke, and now you'll make me pay for dinner.
288 00:20:05 Excuse me? I'm bankrupt, but you’re the one who's broke?
289 00:20:08 You're an entrepreneur.
290 00:20:10 You had money but you ended up bankrupt.
291 00:20:12 I'm just a poor laborer who works from 9 to 6.
292 00:20:14 Yeah, right.
293 00:20:15 You pressure people in need, get bonuses, and then say that you're broke.
294 00:20:24 I don't work there because I enjoy it.
295 00:20:27 I'm joking!
296 00:20:29 You've helped me so much.
297 00:20:31 I can't possibly repay you.
298 00:20:37 Dinner’s on me!
299 00:20:43 The fairy godmother is the villain in that tale.
300 00:20:46 How so?
301 00:20:48 Why is she the villain?
302 00:20:49 If she really wanted to help, she could have done it properly.
303 00:20:53 But she says, you need to be back by 12:00,
304 00:20:54 wear glass shoes, and so on.
305 00:20:56 Come on!
306 00:20:58 You dress up, put on makeup, spend money, ask for her help,
307 00:21:01 but the Mother Kapital is the guilty party?
308 00:21:03 What's the difference between that and a loan shark?
309 00:21:06 One shoots you in the ankle when your payment is overdue,
310 00:21:08 the other takes everything you’ve got, including your shoes.
311 00:21:12 What is he talking about? Mother Kapital or something?
312 00:21:15 Chit chat. You know that credit card commercial.
313 00:21:18 Why did you talk about that?
314 00:21:20 I was just trying to make him talk about the bank.
315 00:21:26 It's too noisy. I can't hear anything.
316 00:21:30 Look. The side with the mic should be facing him.
317 00:21:33 Don't put it on anything.
318 00:21:35 There shouldn't be anything between him and the phone.
319 00:21:38 Just put it like this.
320 00:21:40 - Sure, but it's noisy here too. - It doesn't matter.
321 00:21:43 There will always be people around.
322 00:21:46 And, obviously, you won't be going to his place.
323 00:22:00 Hey, does he still text you all the time?
324 00:22:08 I'm sorry that he’s troubling you.
325 00:22:11 Well, actually, he's kind of funny.
326 00:22:24 - Sure, but it's noisy here too. - It doesn't matter.
327 00:22:28 There will always be people around.
328 00:22:30 And obviously you won't be going to his place.
329 00:22:35 This is good enough.
330 00:22:41 You didn't feel that she was trying to make you talk, fishing for something?
331 00:22:46 No. We were seeing each other. She was calling, we were dating.
332 00:22:52 I didn't notice anything fishy.
333 00:22:54 And at the office? Did you notice anything strange from Duygu's side?
334 00:22:57 Well...
335 00:23:00 in our line of business, you don’t get friendly with your colleagues.
336 00:23:03 You do your job and go home.
337 00:23:05 Duygu was her usual self.
338 00:23:27 - Excuse me. - Yes?
339 00:23:30 When does the seminar start?
340 00:23:32 It starts in half an hour.
341 00:23:34 Sedat, could you turn the lights down a bit?
342 00:23:41 EFFICIENT COLLECTING METHODS OVER THE PHONE
343 00:23:43 WELCOME
344 00:23:45 You can wait in the lobby if you like.
345 00:24:13 - What's wrong? - It took my money.
346 00:24:16 There's no light on. I guess the coin didn't drop.
347 00:24:19 We had this same kind of machine at our university.
348 00:24:21 It stole so much money from me.
349 00:24:27 - Did you fix it? - I think so.
350 00:24:30 How did you do that?
351 00:24:32 Let’s put it down to experience.
352 00:24:35 - Thank you so much. You're great. - No problem.
353 00:24:38 - Are you also here for the training? - Yes. I'm Tilbe.
354 00:24:41 - Pleasure to meet you. I'm Duygu. - Pleasure to meet you too.
355 00:24:44 Do you know how many people they're hiring?
356 00:24:47 I don’t know but it’s pretty crowded.
357 00:24:50 What do philosophy graduates do?
358 00:24:53 They do teacher training and become a teacher.
359 00:24:56 Of course, there are never enough vacancies.
360 00:24:58 If I had a degree, I guess I would've liked to use what I learned.
361 00:25:01 Yes, but I’ve been waiting for three years.
362 00:25:04 I need to find something steady.
363 00:25:07 I can't pay the rent by being a hostess at fairs.
364 00:25:10 Hey, I did that too.
365 00:25:12 Product promotion, sausage tasting, educational games for kids.
366 00:25:16 Where did you do that?
367 00:25:18 Admin agency?
368 00:25:20 Yep. You too?
369 00:25:22 But I didn't get my last payment.
370 00:25:24 They still owe me 1,500 lira.
371 00:25:26 - 1,500 lira? - Yes.
372 00:25:28 He’s been stalling for months.
373 00:25:31 Asshole.
374 00:25:33 Don't you think the owner is kind of a pervert?
375 00:25:36 Yeah, for sure, he's a pervert.
376 00:25:38 - Yeah? - You felt it too?
377 00:25:39 We are starting in five.
378 00:25:45 Who here has a credit card?
379 00:25:50 Is there anyone here has been overdue on at least one credit card payment?
380 00:25:56 Anyone who had a credit card and was prosecuted? Let's see them.
381 00:26:04 Don't be shy.
382 00:26:09 Nice.
383 00:26:11 You know the drill. That's a good thing.
384 00:26:15 DEBTOR
385 00:26:16 This man here.
386 00:26:18 He took out a loan, he started a business, he took out a mortgage,
387 00:26:22 he went on a holiday or whatever...
388 00:26:25 And then there's this man.
389 00:26:27 And, rightfully, he wants his money back.
390 00:26:29 BANK
391 00:26:30 So, where do we stand in this equation?
392 00:26:36 Here.
393 00:26:37 CREDITOR
394 00:26:39 You already know how the man on the left feels and what he thinks.
395 00:26:45 We're here to teach you how to be the guy in the middle.
396 00:26:51 We'll start with our two golden rules.
397 00:26:53 TWO GOLDEN RULES!
398 00:26:55 Confidentiality and security.
399 00:26:59 So you took the initiative and broke both rules.
400 00:27:05 It’s funny what measures you can take, once you convince yourself to take them.
401 00:27:17 Let's see Ms. Tilbe's performance.
402 00:27:20 Tilbe, Tilbe the Tenderhearted!
403 00:27:27 Number of meetings is okay.
404 00:27:30 Signature target met.
405 00:27:33 Collection target. Let's see.
406 00:27:34 NUMBER OF MEETINGS SIGNATURE TARGET - COLLECTION TARGET
407 00:27:40 You should thank me.
408 00:27:43 If it weren't for me, you wouldn't have hit it again.
409 00:27:47 What was the name of that guy, that guy who kept swearing?
410 00:27:51 Feridun Bay, with traffic violation fines.
411 00:27:54 Look, he paid his dues.
412 00:27:57 You said he was broke, that he couldn’t pay.
413 00:28:00 See?
414 00:28:02 Once they are handed the notice, they all turn out to have hidden savings.
415 00:28:07 You don't push enough, guys.
416 00:28:09 You need to make a real effort.
417 00:28:11 Calling them a few times and inviting them to a meeting just isn't enough.
418 00:28:15 If I need to push the debtor, then what's your purpose here?
419 00:28:27 Now I feel relieved.
420 00:28:29 You're like a bulldozer.
421 00:28:32 You obliterated the target.
422 00:28:36 And you were saying that this job isn't for you.
423 00:28:40 I could see it in your eyes.
424 00:28:44 Why did you miss your signature target, though?
425 00:28:48 Did you do it on purpose to keep the green-eyed monster at bay?
426 00:28:51 There was a last-minute issue with a file that I thought would definitely be signed.
427 00:28:57 If you're sure they're not gonna pay, just push it to the bailiff.
428 00:29:02 No, I think she has the money.
429 00:29:04 I just need to push a little harder.
430 00:29:06 Okay, good. Then push them.
431 00:29:09 Definitely push them.
432 00:29:13 What can I do?
433 00:29:15 Sometimes you meet the target, sometimes you don't.
434 00:29:18 It's just a matter of luck.
435 00:29:19 What can you do when you end up with a shitty file?
436 00:29:22 Exactly!
437 00:29:23 Exactly! Push it, push it, push it! Asshole.
438 00:29:26 Well, he's extra pushy these days.
439 00:29:28 He's getting two new accounts.
440 00:29:31 What?
441 00:29:33 Nothing on earth can satisfy this guy.
442 00:29:36 When he earns more, he invests more. Wouldn't you?
443 00:29:41 What are you going to do with that file?
444 00:29:45 I'll send another notice.
445 00:29:48 You think a second notice will do the trick?
446 00:29:52 It will if I send it to her home address.
447 00:29:55 She's really afraid of her mother.
448 00:30:04 But you did not send that notice?
449 00:30:06 I had no intention of sending it.
450 00:30:09 I did it to test him.
451 00:30:12 As expected, the news traveled fast.
452 00:30:15 But we couldn't record it because he told her on the phone.
453 00:30:19 Maybe he figured it out and acted cautiously?
454 00:30:23 I don't think so.
455 00:30:24 Because he talked about lots of other work-related things.
456 00:30:28 Such as?
457 00:30:30 Trivial stuff.
458 00:30:33 Who does what, how the bonuses are calculated...
459 00:30:38 how we receive the debtor's personal information from the bank...
460 00:30:45 Let's not mention the bank.
461 00:30:48 I’m so sorry.
462 00:30:53 Let's say the guy on the right owes 100 lira,
463 00:30:56 but has given up hope on paying the bank.
464 00:30:59 We give that guy 20 lira and we buy this debt.
465 00:31:03 Now, everything is between the debtor and us.
466 00:31:07 From that moment on,
467 00:31:08 the bank doesn't care whether we collect half of this debt or the full amount.
468 00:31:15 Why don’t the banks collect the payments themselves?
469 00:31:18 Good question.
470 00:31:20 They cannot chase after debtors like we can,
471 00:31:24 and they cannot push them like we can.
472 00:31:28 Because they don't have enough staff?
473 00:31:30 Yeah, that too, but mostly because they are afraid of being reported or sued.
474 00:31:39 Guys,
475 00:31:41 banks are huge institutions but they are also unreliable cowards.
476 00:31:46 We spare some money in our budget for things like compensation and fines.
477 00:31:51 Over the last two years, we have worked on thousands of cases.
478 00:31:54 Anyone want to guess how much compensation we ended up paying?
479 00:32:03 Zero.
480 00:32:05 Banks can't do that.
481 00:32:07 Because here we teach you...
482 00:32:09 MANAGING DEBTOR PSYCHOLOGY
483 00:32:10 ...this.
484 00:32:18 Let's go back to Ms. Ceren.
485 00:32:19 She and Mr. Bahadir started seeing each other more often.
486 00:32:23 And when they didn’t see each other, they messaged each other.
487 00:32:26 So, everything went as planned.
488 00:32:30 At first, yes.
489 00:32:32 What happened after that?
490 00:32:34 Something must have happened.
491 00:32:37 I don't know.
492 00:32:40 The thing that always happens, I guess.
493 00:32:49 - Should we park somewhere and come back? - No need. I’ll go and get them quickly.
494 00:32:54 - What flavor would you like? - Doesn't matter.
495 00:32:56 Get me the same thing you’re having.
496 00:32:59 - I’ll be right back. - Okay.
497 00:33:11 Hi. Could I get two, please?
498 00:33:24 - How much is it? - Twenty lira.
499 00:33:52 Your phone rang.
500 00:33:53 - Thank you, by the way. - Enjoy.
501 00:33:56 - Who was it? - I don't know. I didn't look.
502 00:34:00 - It's my mom. I'll call her later. - Okay.
503 00:34:25 What is this? It exploded!
504 00:34:29 Yeah, it went everywhere.
505 00:34:34 - I’m done. That's enough for me. - Yeah, me too.
506 00:34:45 You've got a little...
507 00:34:47 No, the other side.
508 00:35:04 I'm sorry.
509 00:35:22 This is my favorite spot in Istanbul.
510 00:35:26 It's really beautiful.
511 00:35:32 These lokma stores have popped up everywhere all of a sudden.
512 00:35:38 Well, when one makes money...
513 00:35:41 I guess others will follow suit.
514 00:35:44 We all like to hope.
515 00:35:49 You think, "Everybody else is doing it, so why can’t I?"
516 00:35:53 You think it’s better to own a business than work a regular job.
517 00:35:57 And then your boyfriend finds a really cheap place to rent.
518 00:36:03 So you say to yourself, "This is my chance,"
519 00:36:04 and, boom, you take a loan from the bank.
520 00:36:12 So stupid. Why didn't I even question why the rent was so low?
521 00:36:24 I still wonder how I managed...
522 00:36:28 to find myself neck-deep in debt because of such a small store.
523 00:36:39 All that money down the drain.
524 00:36:42 The worst part of it is I lost my mother’s money along with mine.
525 00:36:47 All that debt is on you?
526 00:36:51 What about your boyfriend? Isn't he helping out?
527 00:36:54 My ex-boyfriend.
528 00:36:59 We opened an escape room because it was so popular back then.
529 00:37:02 He escaped, and I couldn’t.
530 00:37:08 - Well, what’s done is done. - Exactly.
531 00:37:11 I'm not known for making great decisions anyway.
532 00:37:21 I understand how you feel.
533 00:37:23 Like... It feels like it will never go away.
534 00:37:30 One night, four years ago, I came and parked here.
535 00:37:34 I didn't have a penny in my pocket. I didn’t have anyone I could call.
536 00:37:38 I was determined to drive this car into the sea.
537 00:37:43 I know it sounds crazy, but it felt like the right thing to do.
538 00:37:51 Why didn't you?
539 00:37:54 Because it would pass.
540 00:37:56 I wouldn't be feeling like that a year later.
541 00:37:58 Or four years later. Whatever.
542 00:38:01 Did everything get better? No.
543 00:38:04 I'm still paying for my mistakes.
544 00:38:13 But anyway...
545 00:38:16 Right now, right here, I'm happy to be with you in this car.
546 00:38:20 Maybe you don’t feel that way right now but believe me,
547 00:38:25 things will get better.
548 00:38:26 I promise you...
549 00:38:29 the next time we come here, you'll feel much better about it.
550 00:38:36 Hey.
551 00:38:40 Do you trust me?
552 00:38:46 Good.
553 00:38:49 Shall we go now?
554 00:39:14 Shall we go to my place?
555 00:39:30 No matter the topic, there are always two types of people.
556 00:39:35 Debtor, creditor.
557 00:39:37 Rich, poor.
558 00:39:38 Employer, employee.
559 00:39:41 You can't decide which one you will be.
560 00:39:45 But you can decide whether you'll be the hunter or the hunted.
561 00:39:50 If you act like prey, you'll be hunted.
562 00:39:53 If you don't want to be preyed on, you need to learn to be a hunter.
563 00:40:00 Bahadir, can you come up here?
564 00:40:06 How long have you been working here?
565 00:40:09 Over two years.
566 00:40:12 Can you please tell everyone how we met?
567 00:40:16 As a debtor.
568 00:40:18 Bahadir did such a great job of resisting us and not being prey
569 00:40:23 that we decided to make him part of our team.
570 00:40:27 We structured his remaining debt,
571 00:40:29 so now he works and pays it back in installments.
572 00:40:31 We caught him by his tail
573 00:40:33 and didn’t let him go.
574 00:40:38 Now, I need a volunteer.
575 00:40:40 - Should we? - We’ll do a test run.
576 00:40:44 Come up here.
577 00:41:11 It's mine.
578 00:41:13 - What time is it? - Seven a.m.
579 00:41:17 Mine will go off shortly.
580 00:41:43 Why are you laughing?
581 00:41:48 I’ve given you my university uniform.
582 00:41:53 - I think it looks good on me. - Yeah, you’re right. It does.
583 00:41:57 - You can keep it if you like. - No, thanks.
584 00:42:01 If you give away a T-shirt to every girl that comes here...
585 00:42:06 Well, not many girls come here.
586 00:42:10 - Really? - Yep.
587 00:42:14 How about from work?
588 00:42:17 Haven’t you met anyone like me before?
589 00:42:22 No, it’s not really a good place to meet anyone.
590 00:42:30 Doesn't it stress you out to work in such an atmosphere?
591 00:42:34 Well, of course it does.
592 00:42:36 So why do you work there?
593 00:42:41 Because I need to.
594 00:42:45 I have to hang on a little bit more.
595 00:42:48 I don't think I could've done it.
596 00:42:51 Well, it won't be long until they fire me anyway.
597 00:42:55 Why's that?
598 00:42:57 I haven't hit my quotas for the last three quarters.
599 00:43:00 If it happens a fourth time...
600 00:43:04 But It's not only you, right?
601 00:43:07 What about Duygu?
602 00:43:10 Duygu?
603 00:43:13 She's so cunning. She'll always find a way to come first.
604 00:43:17 She's gunning for me.
605 00:43:19 She would get me fired...
606 00:43:23 if she had the chance.
607 00:43:28 This time it's yours.
608 00:43:51 The way I understand it, you were too self-confident.
609 00:43:56 You tried to control the debtor's mind, but you forgot about her heart.
610 00:44:01 They don't teach about the heart in training.
611 00:44:09 - Hi. - Hi.
612 00:44:11 - I’m in a hurry. Let's talk here. - Okay.
613 00:44:16 - Did you bring the USB? - Yes, it’s in my purse.
614 00:44:19 Could you make him talk about Eray?
615 00:44:22 He doesn't like the guy, but doesn’t talk about him either.
616 00:44:25 If only he would talk about him too.
617 00:44:28 Should I hold a gun to his head?
618 00:44:31 He did tell me about some other stuff, though.
619 00:44:34 Like what?
620 00:44:36 Like you.
621 00:44:38 How you’re always number one.
622 00:44:41 He knows that you're going after him.
623 00:44:43 He knows there’s something fishy going on.
624 00:44:48 Do you have that on record too?
625 00:44:50 No.
626 00:44:52 But I realized something else.
627 00:44:56 Bahadir doesn’t want anything from me.
628 00:44:59 He doesn’t mean me any harm. He just helps me.
629 00:45:03 You, on the other hand, you're always asking for something.
630 00:45:07 You want me to sign stuff, pay stuff, record stuff.
631 00:45:11 And I do whatever you ask me to, like some kind of idiot.
632 00:45:16 Did you sleep with him?
633 00:45:19 Who I sleep with is none of your concern.
634 00:45:23 God, I can’t believe how stupid you are.
635 00:45:26 Give me the USB.
636 00:45:40 From now on, I'm not going to do as you say.
637 00:45:43 And if you call me again, I'll tell Bahadir everything.
638 00:45:54 By the way, there's nothing on the USB. It's empty!
639 00:45:58 Good.
640 00:46:12 Ceren Köse's file was assigned to Duygu, and no money was collected.
641 00:46:16 Then God knows what happened.
642 00:46:18 It's assigned to you and the money starts to flow in.
643 00:46:20 Didn't you question how a debtor is able to pay all of a sudden?
644 00:46:27 As long as the money comes in, nobody here cares about the details.
645 00:46:37 So you say that if I find some cash, my debt can be completely written off?
646 00:46:41 - Sure. - For how much?
647 00:46:44 How much would you need for a debt of 200,000 to be written off?
648 00:46:47 That depends on the interviewer.
649 00:46:49 If you have given up hope on the debt and you can collect a third of it in cash,
650 00:46:55 you can convince the boss that it's the best amount we could get.
651 00:46:58 Okay, so if I had 60,000 lira,
652 00:47:01 and you were the one interviewing me, would you write off my debt?
653 00:47:04 - Nope. - Why?
654 00:47:09 Of course I would.
655 00:47:10 I’d also benefit from that. I would have hit my quota.
656 00:47:13 But where would you find 60,000 lira?
657 00:47:15 No bank would give you a loan.
658 00:47:47 - My mom has some jewelry. - What?
659 00:47:50 My mom has jewelry that's worth 60 or 70,000, easy.
660 00:47:53 Would she just give it to you?
661 00:47:54 She keeps it at home. She thinks I don’t know where it is, but I do.
662 00:47:58 You're just gonna steal your mom's jewelry? Don’t be silly.
663 00:48:01 But I will replace it right away.
664 00:48:03 As soon as my record's clean, I can get a loan and replace it.
665 00:48:07 Five years.
666 00:48:09 You can't get a loan from the bank for at least five years.
667 00:48:22 - What if I take out that loan? - What?
668 00:48:25 I’m just thinking out loud now.
669 00:48:28 I'd have an eight to 10,000 bonus from the money you’d pay,
670 00:48:32 and the last payment on my current loan is due next month.
671 00:48:36 I can get a new loan after that.
672 00:48:38 We could replace the jewelry in two months.
673 00:48:40 Would you do something like that?
674 00:48:43 Well...
675 00:48:44 Bahadir, I promise I will pay you at least 2,500 per month.
676 00:48:47 You can really trust me.
677 00:48:49 I do already. But if we do this, we must do it now.
678 00:48:51 - The bonuses will be calculated next week. - Thank you so much!
679 00:49:07 Duygu, wasn't that your case?
680 00:49:17 I guess it’s with Bahadir now.
681 00:49:26 Your expenses were all on housewares. Are you moving?
682 00:49:29 No. I'm getting married.
683 00:49:31 - Really? Congrats. - Thanks.
684 00:49:34 - When? - At the start of summer.
685 00:49:36 That's very soon.
686 00:49:37 Yes, there are many expenses leading up to the wedding.
687 00:49:40 I have a payment schedule that would relieve you.
688 00:49:43 The down payment is very affordable too.
689 00:49:45 I would like some more time to think before I sign anything.
690 00:49:48 But if you come back later,
691 00:49:50 you'll have much more trouble with the fines and interest rates.
692 00:49:53 But if I sign this without consulting my fiancé first, it could cause problems.
693 00:49:58 - Sounds like a short-tempered guy. - Just a little.
694 00:50:00 And he really doesn’t like credit cards or debts.
695 00:50:06 Well, as you wish. I can't push you.
696 00:50:12 But, Ms. Tilbe,
697 00:50:14 wouldn't this cause more problems for you?
698 00:50:17 What do you mean?
699 00:50:18 If you had signed this,
700 00:50:20 you could clear some of the debt with the gifts you receive at the wedding.
701 00:50:24 It would be worse if you received any notices
702 00:50:26 or had to deal with bailiffs and all that before the wedding.
703 00:50:31 Would the bailiffs get involved that quickly?
704 00:50:33 I can’t guarantee anything.
705 00:50:35 If you trust and support each other no matter what...
706 00:50:39 I'm sure you two could handle the bailiffs too.
707 00:50:44 But if you don't have that trust...
708 00:50:47 We've seen this destroy many marriages.
709 00:50:49 Don't get me wrong. I'm not saying that yours is that kind of relationship...
710 00:51:05 For a second there, I really thought I was in debt.
711 00:51:08 When Mr. Bahadir said that this can destroy a marriage, that really threw me.
712 00:51:13 I hope you all watched carefully.
713 00:51:15 You don't have to have a plan.
714 00:51:17 Just listen to the debtor.
715 00:51:19 The debtor will tell you what to work on.
716 00:51:23 We’ll take a lunch break now.
717 00:51:24 SOMETHING BAD HAPPENED. CALL ME.
718 00:51:26 This afternoon, everybody will have their first interviews.
719 00:51:29 Go ahead.
720 00:51:37 When did you next see Ms. Ceren?
721 00:51:41 When she came for her interview.
722 00:51:43 Didn't you call her and try to convince her?
723 00:51:46 No.
724 00:51:49 You get to a point where you just give up.
725 00:51:54 I gave up.
726 00:51:56 You can’t help someone who won’t help themselves.
727 00:52:00 She wouldn't believe anything I'd say without seeing it for herself.
728 00:52:10 Where's Tilbe?
729 00:52:12 She has a doctor's appointment. She'll be back this afternoon.
730 00:52:15 This is a new trend.
731 00:52:16 Pregnant people keep getting the babies checked. Cool.
732 00:52:19 Polat, were notices sent out for my cases?
733 00:52:23 Which cases? There is only one.
734 00:52:24 For Ceren Köse, and we sent it yesterday.
735 00:52:27 Exactly. Okay, thanks, bro.
736 00:52:29 I'll send notices for today’s cases on Monday.
737 00:52:31 Monday, okay.
738 00:52:48 - Hello, Ceren? - I told you not to call me.
739 00:52:52 I haven’t called you to chat, Ceren.
740 00:52:57 The reason I’ve called is to warn you.
741 00:53:00 I'm hanging up.
742 00:53:02 One second! Your name is on the list, the bailiff's list.
743 00:53:05 What bailiff? We cleared the debt.
744 00:53:08 Did you receive a signed paper that confirms that?
745 00:53:10 What?
746 00:53:12 Did you or did you not receive a signed paper?
747 00:53:14 It's not possible. That can't be.
748 00:53:17 Call the company and ask for a receipt.
749 00:53:20 Don't call me again.
750 00:53:27 I thought I wouldn’t feel sorry for her.
751 00:53:30 But it breaks your heart to see...
752 00:53:35 someone’s world come falling down.
753 00:53:43 Phone call for you.
754 00:53:45 Tell her I’m not available, I’m in a meeting.
755 00:53:47 She just keeps calling.
756 00:53:50 Okay, thanks.
757 00:53:54 Hello.
758 00:53:56 What are you trying to do? Why do you keep calling?
759 00:54:00 I see, but I'm not available. I can’t pick up.
760 00:54:04 Could you please calm down? I'll tell you everything tonight.
761 00:54:22 I told you that we'd talk outside. Why did you come here?
762 00:54:25 Are you kidding, Bahadir?
763 00:54:26 They sent a bailiff's order to my apartment.
764 00:54:28 I wanted to ask what's going on, but you weren't answering me.
765 00:54:31 - Okay, just calm down. We'll talk. - How can I be calm, Bahadir?
766 00:54:33 I'm going crazy. You don't answer my calls.
767 00:54:36 Let’s get in the car first.
768 00:54:37 - I’m not getting in the car! - Ceren, please.
769 00:54:40 Those notices go to my mom's place.
770 00:54:43 She'll have a heart attack if she finds out.
771 00:54:45 You can pay five to 10,000 and delay the bailiff.
772 00:54:48 What do you mean?
773 00:54:51 How can I pay five to 10,000?
774 00:54:54 Where will I find that kind of money? Didn't you say you'd get a loan?
775 00:54:57 I pawned all of my mother's jewelry
776 00:54:59 because you said you were gonna get a loan.
777 00:55:02 Weren't you?
778 00:55:06 Please get in.
779 00:55:10 Ceren, could you please get in the car? I’ll tell you everything.
780 00:55:17 Ceren, please!
781 00:55:29 Don’t start the car. We’re not going anywhere until you explain yourself.
782 00:55:40 They won't even give me a credit card.
783 00:55:43 My situation is worse than yours.
784 00:55:47 You’re kidding, right?
785 00:55:51 Are you joking?
786 00:55:54 You said you would-- I pawned my mother's jewelry!
787 00:56:00 Why did you say you could?
788 00:56:03 I trusted you.
789 00:56:06 Is that why you recorded our conversations, Ceren?
790 00:56:10 What? You thought I didn't notice?
791 00:56:14 I invented all of those tricks.
792 00:56:21 This is how many days after your call?
793 00:56:25 Two or three days later, I guess.
794 00:56:28 You show up here.
795 00:56:30 I thought I should intervene because they were shouting at each other.
796 00:56:35 She got angrier after you arrived.
797 00:56:38 Why did she react that way?
798 00:56:45 She was asking for my help.
799 00:56:51 And what did you say?
800 00:56:55 "You've made your bed, now lie in it."
801 00:56:59 God damn you!
802 00:57:01 God damn you!
803 00:57:03 You have no right to play with someone’s dignity!
804 00:57:06 Do you know the difference between you and a con man?
805 00:57:11 How you spend that bonus! I hope you choke on it!
806 00:57:14 Why are you yelling, miss?
807 00:57:16 What do you mean why am I yelling?
808 00:57:18 You tricked me. You took everything from me.
809 00:57:21 Aren't you in debt? Did we steal that money?
810 00:57:24 Are you not human? Are you not human beings?
811 00:57:28 - Ceren, calm down. - Don’t!
812 00:57:29 Don't you dare tell me to calm down!
813 00:57:31 - Please show her out. - God damn you all!
814 00:57:36 - God damn you all! Shut up! - Are you okay?
815 00:57:38 Send her file to the bailiff immediately.
816 00:57:40 - Don't bother. - Okay, Mr. Eray.
817 00:57:42 It's not like she asked my permission to spend that money.
818 00:57:48 Duygu!
819 00:57:51 Duygu!
820 00:57:53 Tilbe?
821 00:57:56 It was easily the worst day of my life.
822 00:58:01 We’re used to debtors getting mad at us...
823 00:58:07 but if something had happened to Tilbe or her baby,
824 00:58:09 I would never have forgiven myself.
825 00:58:12 - I think my water just broke. - Okay, okay.
826 00:58:18 Someone call an ambulance!
827 00:58:20 - Call Firat and tell him to come! - Okay, Polat will call him right now.
828 00:58:26 Calm down, okay? Don’t be scared.
829 00:58:29 Duygu, I can’t have the baby now. It’s too early!
830 00:58:32 It's too early.
831 00:58:34 I know, I know.
832 00:58:41 You knew that shit would eventually hit the fan.
833 00:58:45 No matter how...
834 00:58:49 prepared you are for it,
835 00:58:52 it still messes you up because you're still a human being.
836 00:58:55 It gets to you in the end.
837 00:59:01 But there are two types of people, right?
838 00:59:04 Debtors and creditors.
839 00:59:07 Everyone is responsible for themselves, for the games they play,
840 00:59:10 for the decisions they make.
841 00:59:12 If you are hunting, you need to act like a hunter.
842 00:59:15 I was only doing my job.
843 00:59:40 - Duygu. - Darling.
844 00:59:44 Where is Auntie Nezihe?
845 00:59:45 She went out to get some tea. Come sit down.
846 00:59:48 - May I? - Sure, sure.
847 00:59:53 Are you all right?
848 00:59:54 There's some pain, but I’m much better now.
849 01:00:00 - Did you see her? - Yes, I did.
850 01:00:03 She is so small, right?
851 01:00:06 Very small but so cute.
852 01:00:09 The nurse said she'll bring her to you in a couple of hours.
853 01:00:13 I hope so.
854 01:00:17 When the contractions started early, I thought it was that debtor's curse.
855 01:00:22 She was born safe and sound.
856 01:00:25 Don't worry about those debtors.
857 01:00:27 Don't think about work until you come back.
858 01:00:31 I'm not coming back.
859 01:00:33 It’s not a good place.
860 01:00:35 I've made up my mind.
861 01:00:39 Whatever you think is best, darling.
862 01:00:41 I'll work with Firat until Gül grows up.
863 01:00:44 Then I'll try to find a new job.
864 01:00:50 Maybe by then, we'd have made so much money...
865 01:00:54 we could open that breakfast place in Kuzguncuk, the one you dreamed of.
866 01:00:59 We'd open in the morning and close at noon.
867 01:01:01 Sure, why not?
868 01:01:02 Gül could be there with us.
869 01:01:04 We could let her wander around the shop.
870 01:01:07 We could make everything ourselves.
871 01:01:09 I could make different types of jams and prepare the olives.
872 01:01:12 We would buy the best honey, the best cheese.
873 01:01:15 We could make it work.
874 01:01:17 If only we had enough money.
875 01:01:23 We will, darling.
876 01:01:27 I have to go now.
877 01:01:28 - I'll come visit you again. - Okay.
878 01:01:32 Thank you, Duygu.
879 01:01:34 - See you. - See you.
880 01:01:45 If you're doing this job, you always consider this possibility.
881 01:01:58 I COULDN'T OVERCOME YOU IN THIS LIFE
882 01:02:00 BUT I'M NOT GONNA LEAVE YOU IN PEACE IN THE ONE HEREAFTER.
883 01:02:04 The same message she sent to Bahadir.
884 01:02:06 I wasn't surprised when I saw the message.
885 01:02:09 Not after seeing how she stormed out of our office.
886 01:02:13 I called, but she didn't respond. I texted her.
887 01:02:15 Then I found her address on her file.
888 01:02:16 LET'S TALK. WE'LL FIND A SOLUTION.
889 01:02:37 - Open up, please? - I'm coming. Yes?
890 01:02:40 - Does a Ms. Ceren live here? - Yes.
891 01:02:46 What if I hadn't gone?
892 01:02:50 What if I was there an hour later or I hadn't checked my phone?
893 01:02:58 She might have died.
894 01:03:02 But she didn't.
895 01:03:05 You saved her life, in a way.
896 01:03:11 AMBULANCE
897 01:03:22 What about the others before her?
898 01:03:31 We have no idea whose lives we’ve destroyed.
899 01:03:38 Who committed suicide.
900 01:03:42 Who survived.
901 01:03:50 We have no idea.
902 01:04:02 Okay.
903 01:04:05 We'll take it from here.
904 01:04:08 But you will do as I say.
905 01:04:16 You'll leave the company immediately.
906 01:04:19 You'll even get your severance package.
907 01:04:24 But...
908 01:04:28 you'll need to sign here.
909 01:04:31 - What is this? - A nondisclosure agreement.
910 01:04:38 - Is that all? - That's all.
911 01:04:54 You can never contact Ceren again.
912 01:04:58 You'll never talk to anyone about this or work in this sector ever again.
913 01:05:08 This wasn’t the job for me anyway.
914 01:05:11 I’m not so sure about that.
915 01:05:14 It seems like you did everything you were supposed to do.
916 01:05:20 I had to.
917 01:05:25 We break for lunch now.
918 01:05:27 This afternoon, everyone will do their first phone interview. Go on.
919 01:05:37 - Tell me what happened. - Something came in the mail.
920 01:05:39 I signed it and it was a notice.
921 01:05:41 Sezgi, please talk without crying.
922 01:05:44 - Who sent the notice? - The landlord.
923 01:05:49 Why did you sign for a document without knowing what it was?
924 01:05:52 How should I know? They made me sign for it first.
925 01:05:55 Nothing will happen, right, sis?
926 01:06:00 No, don’t worry.
927 01:06:01 Don't tell Mom that I signed for it, okay?
928 01:06:06 Okay. I can't talk right now, I'll call you later.
929 01:06:10 Take a photo of it and send it to me.
930 01:06:13 - I'm so sorry. - Don’t cry. It will be all right.
931 01:06:23 - Who's the debtor? - Doesn't matter. You start.
932 01:06:25 Okay, you'll be the debtor then.
933 01:06:29 - Hi. - Hi.
934 01:06:31 I'm calling from Eray Ege Consultancy about your outstanding debt.
935 01:06:35 I'm busy right now. Call me later.
936 01:06:37 Forgive me, Mr. Polat, I'm only calling to give you some brief information.
937 01:06:40 It's for your own benefit.
938 01:06:43 I'm listening.
939 01:06:44 We can reduce the default interest rate if you can pay 5000 lira or more
940 01:06:48 before the end of the month.
941 01:06:50 You don't want to miss this chance.
942 01:06:52 I won't have that kind of money until the end of the month.
943 01:06:54 He only opposed to the amount. He didn't say he can’t pay.
944 01:06:57 Okay.
945 01:06:58 How much can you pay? Maybe we can be flexible.
946 01:07:02 I'm not going to pay. I'm broke. What do you want, my life?
947 01:07:05 EVICTION NOTICE
948 01:07:06 Aggressive behavior.
949 01:07:07 Just say, "I'm only informing you to save you trouble." On the next page.
950 01:07:12 Should I say, "Sorry, I need to check the next page" to the guy on the phone?
951 01:07:15 This is nonsense, guys.
952 01:07:17 Was that guy in there reading lines off some paper?
953 01:07:20 The rules are obvious. Fool the debtor.
954 01:07:22 And if you can't, intimidate them. That's all.
955 01:07:27 - What’s wrong? - I can’t do it. Have a good day.
956 01:07:30 You could at least try.
957 01:07:32 No, this job isn't for me. Good luck.
958 01:07:36 Why do you insist, bro? Fewer people means more chance of a job.
959 01:07:40 He came all the way here, he could try at least.
960 01:07:42 Yeah.
961 01:07:44 He might have felt guilty.
962 01:07:45 Calling debtors and all that.
963 01:07:47 Don't we have a conscience?
964 01:07:49 They always call me when I don't pay the required amount.
965 01:07:52 I'd call them too. That's the job.
966 01:07:54 I don't care about the rest. Wouldn’t you do it?
967 01:07:58 We'll call, let's see.
968 01:08:00 You?
969 01:08:01 I'd call, I guess.
970 01:08:05 - I have no other option. - That’s it.
971 01:08:07 Let’s start from the beginning.
972 01:08:09 - Come on. - You be the debtor now.
973 01:08:12 Okay.
974 01:08:33 You're aware how cheaply you got off?
975 01:08:37 If something had happened to that girl, you'd be spending years in prison.
976 01:08:43 Is that all?
977 01:08:45 That’s all.
978 01:08:48 And Duygu?
979 01:08:50 She signed it too.
980 01:09:09 There really are two types of people.
981 01:09:12 But you never know which is which.
982 01:09:32 Good luck with your first file.
983 01:09:34 Feridun Karakale.
984 01:09:36 A large account. He owes 320,000.
985 01:09:39 He paid his child's tuition fees every month. Then nothing else.
986 01:09:45 So he receives some money at the beginning of each month.
987 01:09:49 If you can push today, you can have some of it.
988 01:09:52 If you wait until next week, the money will either go to the school
989 01:09:55 or to another creditor.
990 01:09:58 They all panic when they see an unknown number calling.
991 01:10:02 If you can pressure him straight away, he won't have a place to run.
992 01:10:06 If you stumble, you have a script you can follow.
993 01:10:28 I guess I got too excited.
994 01:10:32 Can I try it later?
995 01:10:36 Okay, you can try it after the break.
996 01:10:39 Thank you.
997 01:10:40 Who's next? Come on.
998 01:10:49 I’m calling about your credit debt. No.
999 01:10:53 I’m calling to help you with your credit card debt.
1000 01:11:08 There's nothing to memorize here.
1001 01:11:11 It's just for people who don’t know where to start.
1002 01:11:14 But that's not your problem, if I'm not mistaken.
1003 01:11:21 Let me guess.
1004 01:11:24 You identified with the person you're going to call, right?
1005 01:11:29 You know how he feels, what he would do.
1006 01:11:32 He must have children and all.
1007 01:11:35 It's because his story hits too close to home.
1008 01:11:41 I told you this morning,
1009 01:11:44 there are two types of people.
1010 01:11:46 When you ask them, no one chooses to be the prey.
1011 01:11:50 But you...
1012 01:11:52 you're choosing it right now.
1013 01:11:55 Either you go up on stage and call your case...
1014 01:12:00 or sooner or later, one of those guys will call you.
1015 01:12:05 The decision is yours.
1016 01:12:51 Hello, Ms. Gamze. I'm Duygu.
1017 01:12:53 I'm calling you to help you with your Kapital Bank credit card debt.
1018 01:12:58 We can discuss and schedule your payment plan together.
1019 01:13:15 KAPITAL BANK
1020 01:13:21 Just got out.
1021 01:13:23 Done.
1022 01:13:28 Just as I expected.
1023 01:13:54 Welcome.
1024 01:13:55 - Hello. - Welcome.
1025 01:13:57 - Please have a seat. - Thanks.
1026 01:14:10 Yes...
1027 01:14:14 things occurred that were beyond our control,
1028 01:14:16 things that we would never approve of.
1029 01:14:19 We've already started our internal investigation.
1030 01:14:21 Two employees were discharged on the spot.
1031 01:14:24 I will investigate this matter myself.
1032 01:14:27 The bank is not directly involved,
1033 01:14:30 but rest assured, our institution will be with you to the end.
1034 01:14:34 Thanks to Mr. Eray, he showed some flexibility.
1035 01:14:39 Your remaining debt will be written off.
1036 01:14:54 NON-DISCLOSURE AGREEMENT
1037 01:15:01 I think there's been a misunderstanding.
1038 01:15:03 We’re here because you said you had an offer.
1039 01:15:06 This is our offer.
1040 01:15:08 We've cleared the debt and we apologized.
1041 01:15:12 You apologized and...?
1042 01:15:14 Let us hear your demands, Ms. Belkis.
1043 01:15:17 If they're within reason, maybe we could discuss them?
1044 01:15:20 We have prepared something.
1045 01:15:25 A very reasonable proposal. Here.
1046 01:15:40 No way.
1047 01:15:41 You want the whole fine and compensation budget for the last two years?
1048 01:15:46 Yes. In my client's file,
1049 01:15:47 there is every breach that could cause fines and compensation.
1050 01:15:51 Okay, but why the last two years?
1051 01:15:53 We found out that you paid zero compensation for the last two years.
1052 01:15:56 Your employees have told us everything about how you work.
1053 01:16:01 That's not possible.
1054 01:16:03 Okay, let's go to court. Let's see how much you'll get.
1055 01:16:07 Of course, we're going to court, but I don't think you get it yet.
1056 01:16:12 We intend to take this beyond the court.
1057 01:16:18 In here, there are 19 voice recordings
1058 01:16:19 belonging to Duygu Tüzel and Bahadir Ertan.
1059 01:16:24 We believe this is a matter of public interest.
1060 01:16:28 But we're still not sure
1061 01:16:29 if we should add the bank's name in our hashtags.
1062 01:16:32 Ms. Belkis, the bank is not officially a counterparty to this debt.
1063 01:16:37 One second.
1064 01:16:40 "Ceren: How do you know my mother has money?"
1065 01:16:44 "Bahadir: Not just your mother."
1066 01:16:47 "We can get your whole family's information from the bank."
1067 01:16:50 "It's actually illegal,
1068 01:16:51 but Eray evades the system by saying, 'If there are any problems,
1069 01:16:54 I'll take full responsibility and the bank will turn a blind eye.'"
1070 01:16:59 It goes on like this for several pages.
1071 01:17:03 A guy tries to get a female debtor to sleep with him and lies to do so.
1072 01:17:07 Is this what you call evidence?
1073 01:17:09 Here are details on the addresses, debts, and family trees of 141 people.
1074 01:17:16 Your institution
1075 01:17:17 exploited the Data Protection Act and your customers' privacy.
1076 01:17:22 One second,
1077 01:17:24 are you threatening us?
1078 01:17:26 - This is flagrant opportunism. - Mr. Eray!
1079 01:17:31 We understand you perfectly. You came well-prepared.
1080 01:17:35 If you'll permit us, we would like to discuss this between ourselves.
1081 01:17:39 Please remain seated.
1082 01:17:41 Mr. Eray, let's take this outside. Let's go.
1083 01:17:54 Ms. Müge, this woman knows she can't get 2,000 if she goes to court
1084 01:17:57 and asks for two million lira.
1085 01:18:00 That's right, but we need to resolve this issue.
1086 01:18:03 It could hurt the bank.
1087 01:18:05 It's opportunism.
1088 01:18:07 The bank should see it as it is.
1089 01:18:10 But the bank won't see it that way.
1090 01:18:12 - They would see it as a risk. - A risk?
1091 01:18:15 Loss of clients, loss of prestige.
1092 01:18:18 Crisis management, ad campaigns to improve brand image.
1093 01:18:21 It could escalate.
1094 01:18:23 So, what do we do?
1095 01:18:26 We pay that money.
1096 01:18:29 - Who will pay for it? - You will, Mr. Eray.
1097 01:18:34 No way. I might as well close down this company.
1098 01:18:37 Listen to me.
1099 01:18:39 There are at least 50 infringements on those documents they have.
1100 01:18:43 If this goes public, the bank will crush you like a bug.
1101 01:18:47 Forget about bidding for debts,
1102 01:18:49 you won't be able to open the door to this office.
1103 01:18:53 Here's what we're going to do.
1104 01:18:56 We go in, you apologize again,
1105 01:19:00 and you sign that document without causing a scene.
1106 01:19:12 One moment, please.
1107 01:19:23 Now we can continue.
1108 01:19:43 Here you go.
1109 01:19:50 Thank you.
1110 01:19:52 No, thank you.
1111 01:19:58 Have a good day.
1112 01:20:39 - Duygu, what else is there? - Let me see, honey.
1113 01:20:44 Three breakfast sets. One sausage, one cheese toast but both with sauce.
1114 01:20:48 - With sauce? - Yes, with sauce.
1115 01:20:50 - And two pancakes for table four. - Okay.
1116 01:20:53 And Muzo, please serve the tea. People are about to go crazy.
1117 01:20:58 Well, he has only two hands.
1118 01:21:00 Table two is asking for the check, Duygu.
1119 01:21:03 Okay. Bring the tea and don't spare the horses!
1120 01:21:09 - We're still waiting for our tea. - Coming right up.
1121 01:21:16 - Excuse me, could I have the check? - Are you paying by card or with cash?
1122 01:21:21 Cash. Cards create problems.
1123 01:21:36 I live close by.
1124 01:21:38 I saw this place and thought I would drop by.
1125 01:21:40 That’s great.
1126 01:21:42 - Could I have some milk too? - Sure, right away.
1127 01:21:49 This is a cute place.
1128 01:21:51 It is, yes. We're very happy with it.
1129 01:21:56 I’ve always wanted to open a cafe or a restaurant too.
1130 01:22:07 So, how's work?
1131 01:22:09 It's fine. I left the bank.
1132 01:22:13 I'm a freelancer now. It's more comfortable.
1133 01:22:17 To be honest, I’m really happy for you.
1134 01:22:20 Me too.
1135 01:22:25 Did you hear about the firm?
1136 01:22:29 I heard Mr. Eray shut it down.
1137 01:22:33 He had two tenders and relied on money from the bank.
1138 01:22:37 Thanks.
1139 01:22:40 When the bank annulled his contract,
1140 01:22:43 the money stopped flowing, and he was down.
1141 01:22:47 It won't be easy for him to recover.
1142 01:22:51 I’m sorry to hear that.
1143 01:22:55 Well, I'm not.
1144 01:23:02 He's still chasing your case, but I don't think anybody will work with him again.
1145 01:23:09 What do you mean by chasing?
1146 01:23:11 He saw Bahadir and Ceren.
1147 01:23:14 Together.
1148 01:23:15 Holding hands.
1149 01:23:19 Stop! Stop here!
1150 01:23:24 Hey, bro! What about the cab fare?
1151 01:23:34 Eray thinks that they tricked everyone.
1152 01:23:37 The bank, him,
1153 01:23:40 me...
1154 01:23:42 you.
1155 01:23:47 You know what I think?
1156 01:23:51 I don’t believe those two could concoct a plan like this one.
1157 01:23:57 You think somebody helped them?
1158 01:24:02 Yes, an insider.
1159 01:24:04 Someone who knows about everything, someone who had had enough.
1160 01:24:15 I have a theory, if you care to listen.
1161 01:24:19 Why did you say that?
1162 01:24:22 I trusted you.
1163 01:24:24 Is that why you recorded our conversations, Ceren?
1164 01:24:29 What? You thought I didn't notice?
1165 01:24:33 I invented all of those tricks.
1166 01:24:38 Then why did you act like nothing happened?
1167 01:24:41 Because I made a promise to you, and I keep my word.
1168 01:24:44 But, please, let’s just get out of here and I'll tell you all about it.
1169 01:24:52 Ceren, please.
1170 01:25:19 Why have we come here?
1171 01:25:38 Duygu?
1172 01:25:41 Bahadir, what’s going on?
1173 01:25:44 Let's go.
1174 01:26:10 You're insane.
1175 01:26:12 You're inhuman. You’re not normal.
1176 01:26:16 No way! She doesn’t get it.
1177 01:26:20 There's a way out for all of us.
1178 01:26:23 If you just listen to what we have to say...
1179 01:26:25 How long have you been planning this?
1180 01:26:27 From the very beginning, right?
1181 01:26:30 I'm gonna report you.
1182 01:26:32 For once in your life, use your brain.
1183 01:26:34 I'll make sure you're both fired.
1184 01:26:37 Sure, do that.
1185 01:26:39 But what will you gain from it?
1186 01:26:41 Will they write off your debt?
1187 01:26:43 Your mom will realize her jewelry is gone
1188 01:26:45 when she sees that bailiff at your door.
1189 01:26:50 You... You've trapped me. You've cornered me.
1190 01:26:56 Wake up! That's our job, honey.
1191 01:26:59 We are paid to rob people of every last bit of their money.
1192 01:27:04 They make us tear each other apart for a few hundred liras' worth of bonuses.
1193 01:27:09 Those voice recordings you have,
1194 01:27:11 they are key to disclosing this firm's darkest secrets.
1195 01:27:15 There is a sum of money put aside for compensation.
1196 01:27:18 A huge amount.
1197 01:27:20 And we can get it.
1198 01:27:23 And your part in this is so simple.
1199 01:27:27 It's really simple.
1200 01:27:29 What kind of shit is this?
1201 01:27:32 You take my money to write off the debt, and now you say it’s going to the bailiff?
1202 01:27:36 There’s nothing else I can do. I couldn’t convince management.
1203 01:27:39 This is all I can do.
1204 01:27:42 - You need to create more noise. - What should I do?
1205 01:27:47 Throw something on the floor.
1206 01:27:51 God damn you!
1207 01:27:53 God damn you!
1208 01:27:55 You have no right to play with someone’s dignity...
1209 01:27:59 If it all transpires in front of everyone there,
1210 01:28:03 they won't be able to dismiss it.
1211 01:28:06 Dismiss what?
1212 01:28:14 What do you want me to do?
1213 01:28:18 - Where are you? - At home. Mom just went out.
1214 01:28:21 Good. Is the housekeeper in the building?
1215 01:28:24 Yes, he’s cleaning the stairs. It will take a couple of hours.
1216 01:28:27 Okay, I'll be there 20 minutes after you send the text.
1217 01:28:31 I don't think I can do it. What if you're late?
1218 01:28:34 I won't be. Don’t worry.
1219 01:28:38 You're not going to take all of those pills.
1220 01:28:40 No one’s gonna count them when they’re out of your stomach.
1221 01:28:43 Just take five or six of them and flush the rest down the toilet.
1222 01:28:46 Worst case scenario, you'll be asleep till morning.
1223 01:28:49 - Okay. - One second.
1224 01:28:51 Before you send that text, delete all of the others.
1225 01:28:55 Okay.
1226 01:29:02 There are two kinds of people, Ceren.
1227 01:29:05 Those who wait for their fairy godmother to arrive
1228 01:29:08 and those who take control of their own destiny.
1229 01:29:11 The choice is yours.
1230 01:29:14 You've toyed with me like a cat playing with a mouse.
1231 01:29:18 - How can I trust you? - How can we trust you ?
1232 01:29:21 They will award the money to you, not us.
1233 01:29:24 No more games.
1234 01:29:26 You are the only cat here now.
1235 01:29:29 Not us.
1236 01:29:30 Duygu's right. You hold all the cards.
1237 01:29:36 I don't want to be a mouse anymore.
1238 01:29:42 I don't think you want to be one, either.
1239 01:30:00 Don't get me wrong. I'm not asking if it went down like that.
1240 01:30:03 After all, I might be recording this conversation.
1241 01:30:12 Of course it didn't.
1242 01:30:15 I was just hazarding a guess.
1243 01:30:17 Maybe I missed out some of the details, but I'm sure I got the gist of it.
1244 01:30:24 If you wanted Bahadir to be fired,
1245 01:30:27 the first recording would've been more than enough.
1246 01:30:30 But that’s not what you were after.
1247 01:30:32 You found the right debtor and put your plan into action.
1248 01:30:36 I guess the rest of it wasn't that hard.
1249 01:30:43 Don't you think it should have ended by now?
1250 01:30:46 Nothing to do.
1251 01:30:50 We just have to wait.
1252 01:30:52 At least reply to me, girl! I can see that you’ve read them.
1253 01:31:03 If it were you, would you come?
1254 01:31:21 She's here.
1255 01:31:29 - How did it go? - Good.
1256 01:31:32 We got even with Mother Kapital.
1257 01:31:35 Didn’t I tell you that the next time we'd be here, everything would be better?
1258 01:31:52 Ms. Müge, I'm sorry. I don't know what you're talking about.
1259 01:31:55 Don't worry, nobody can prove anything at this stage.
1260 01:32:01 Even if they could, nothing would happen.
1261 01:32:03 It's over.
1262 01:32:14 I think everyone deserves a chance to start over.
1263 01:32:32 It really is a nice place.
1264 01:32:35 I wish you success.
1265 01:32:38 Thank you.
1266 01:32:44 Do you know what I'm dying to know?
1267 01:32:48 How could someone imagine such a thing?
1268 01:32:49 How do you plan this? How do you convince people?
1269 01:33:03 Right.
1270 01:33:05 I wouldn't share it either.
1271 01:33:09 I'll pay for the coffee.
1272 01:33:11 No, there's no need. It's on the house.
1273 01:33:14 Well, thank you.
1274 01:33:20 No, I should be thanking you.
1275 01:34:00 Mr. Deniz, I'm calling from Eray Ege Consultancy.
1276 01:34:05 You have signed a liability to pay, it will have harsh consequences.
1277 01:34:08 I understand, Auntie.
1278 01:34:11 When is the hearing?
1279 01:34:15 God willing, Auntie, God willing.
1280 01:34:19 I will call you later.
1281 01:34:22 Have a good day.
1282 01:34:37 Shall we get going, Tilbe?
1283 01:34:40 I'm checking out an apartment with Firat. He found one.
1284 01:34:43 - I'd invite you, but it may take a while. - No, you go.
1285 01:34:48 I'll take the ferry.
1286 01:34:49 Where are you going? I can drop you off.
1287 01:34:52 No, I'll take the ferry. Thanks.
1288 01:34:54 No worries.
1289 01:34:55 I can drop you off. It's on my way home.
1290 01:34:59 Okay then. Shall we go?
1291 01:35:05 - Say hi to Firat. - Will do.
1292 01:35:07 - Good evening. - Good evening.
1293 01:35:12 It’s hard for everyone in the beginning.
1294 01:35:15 You’ll get used to it in a month or two.
1295 01:35:18 I don’t think I can get used to this.
1296 01:35:20 Every night I cry myself to sleep and wake up crying.
1297 01:35:23 - Don’t exaggerate. - I’m not.
1298 01:35:26 That woman has three kids, Bahadir!
1299 01:35:28 She's embezzling funds to pay her debts.
1300 01:35:31 What will happen to them if she goes to jail?
1301 01:35:32 You didn't ask her to embezzle money.
1302 01:35:35 But I did.
1303 01:35:36 Don't we all? We're forcing all of these people.
1304 01:35:39 It could be worse.
1305 01:35:42 She could end up in prison. What's worse than that?
1306 01:35:46 Some debtor from Murat's company committed suicide.
1307 01:35:50 What?
1308 01:35:53 My God.
1309 01:35:56 They are in dire straits.
1310 01:35:59 He jumped from the top of the plaza.
1311 01:36:02 They're paying a large settlement to the family to avoid being sued.
1312 01:36:07 If you want your voice to be heard, you need to kill yourself.
1313 01:36:12 The whole company's been working day and night for two weeks now.
1314 01:36:15 The bank is auditing each and every file.
1315 01:36:18 It could happen to us at any moment.
1316 01:36:21 One bad interview would do it.
1317 01:36:24 God forbid. We have enough to worry about without adding suicides to the list.
1318 01:36:48 Maybe someone should commit suicide after all.
1319 01:37:04 LEAVE THE REST TO YOUR BANK
