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Old 03-08-2014, 09:43 AM   #1 (permalink)
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I am an angry person

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Old 03-08-2014, 10:48 AM   #2 (permalink)
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A company can only rack up tons of debt to your name if you're being extremely negligent. So...don't be negligent! You're on the right track with making a budget and accounting for all income and expenditures, and I am amazed at the number of people I know who don't do this.
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Old 03-08-2014, 10:59 AM   #3 (permalink)
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...couple of sage old saying$:

"...Best way to SAVE money is to NOT spend it..."

• "...Never a BORROWER or a LENDER be..."
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Old 03-08-2014, 11:03 AM   #4 (permalink)
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Quote:
A company can only rack up tons of debt to your name if you're being extremely negligent. So...don't be negligent!
WRONG! I have credit card shysters claiming I owe thousands to them for A ZERO DOLLAR DEBT. It is 100% fees they arbitrarily applied to the account. When that happens, there is nobody in the company with a functioning brain to be found. Tell me how it's my negligence that causes all that "debt" on a zero balance.

It's cute isht just like they're doing to the guy that "owes" hundreds for his couple of boxes of Girl Scout cookies: Colorado man to go to trial in May over $42 Girl Scout cookie purchase | abc11.com
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Old 03-08-2014, 02:08 PM   #5 (permalink)
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Along the lines of Frank Lee's story. I know someone who had and electronic payment taken from their bank account which overdrew the account. The payment was made to a company they had no business relationship with. The account was an seldom used account that somehow the address had gotten changed so they were received no notices. The address change was small from street to court or something similar.

How this person found out about it was a collection notice. The notice of course was for a exaggerated amount of money. Talking to the collection agency was a bust. They only wanted money. Talking to the company that requested the electronic withdrawal yielded nothing. They wouldn't help as that person had no account with them. The bank that they had their account with wouldn't help because they no longer had an account with them. The bank had closed the account.

The person finally contacted a Federal banking agency. The agency requested information from the bank. The next thing you know the bank that couldn't help was calling vowing to get to the bottom of it.
In the end they called off the collection agency, removed the withdrawal and over draft charges and sent a check for the account balance. They never gave an explanation.
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Old 03-08-2014, 04:02 PM   #6 (permalink)
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The larger the company, the less they care.

This is why we need to block all monopolies, something our government has allowed to happen too much lately. XM/Sirius. and the new boondoggle, Time warner - Comcast, will create a Hydra Mega corporation that will ruin the US internet for millions.

But without campaign finance reform I doubt much will change.

Sorry for the rant, but this is a major sore point in our future.
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Old 03-08-2014, 05:43 PM   #7 (permalink)
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It pays to read the fine print.

I mucked up my last credit card repayment.
I normally repay the whole amount and pay no interest, this time I misread the amount and repaid $37 short of the full amount.
I was charged $153 interest .

I spoke to a nice lady at the bank (which bank?) who showed me the fine print.
It seems that interest becomes payable on the whole amount, plus anything accrued since that date.

After politely making it plain that I wasn't happy (understatement) and leaving the bank before I said anything I'd regret, I got a phone call from the nice lady who informed me that the interest would be reimbursed.

Needless to say, I'll be making doubly sure that that dammed card is fully paid off in future.
I got lucky once with the bank, I don't expect it'll happen a second time.
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Old 03-08-2014, 07:18 PM   #8 (permalink)
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I worked for a bank and never understood how when you screw up its the banks fault.

Customer: I had 200 dollars, I spent 300, why am I over drawn 100 dollars?
Me: you spent more money than you had.
Customer: Sir, how did I over draft?
Me: Ok, get out your cell phone and turn to the calculator app.
Customer: ok
Me: Type in 200, then minus 300.
Customer: Yeah, but how did that happen?
Me: Is there anything important I can help you with?
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Old 03-08-2014, 07:34 PM   #9 (permalink)
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Last time I got a call from a collection agency, I took a minute and found the cancelled check they said I never wrote or mailed, with their account number on the back when they desposited the check.

I rattled off the acount number and informed them my witness fee was 10 times the amount of the check, per day. I invited them to be stupid enough to summon me to appear in court with the check in hand.

Silence, then "We are sorry, there seems to be some kind of mistake."

"Not by me".

regards
Mech

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Old 03-08-2014, 08:20 PM   #10 (permalink)
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Good one. I had to do that to the city of RIchmond, VA. Ironically after getting a copy in hand they took my word for it.

I had a failed subscription to 4wheeldrive like that too. I didnt get my magazine, so I canceled my check as it never cleared. Then they sent 2 issues, then several nasty letters from a bill collector. I hadnt given them my ssn so it couldnt effect my credit, but it was rather upsetting to get those when they seem to of lost my check to begin with. I ended up doing a BBB compliant to get it resolved and they ended up giving me a year subscription.

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