Re: HOW HARD UP IS EBAY?

On Tue, 26 Jul 2005 10:27:33 -0400, blank@xxxxxxxxxxxx wrote:

>On Mon, 25 Jul 2005 15:13:50 GMT, "Angrie.Woman"
><Angrie.Woman@xxxxxxxxxx> wrote:
>
>>blank@xxxxxxxxxxxx wrote:
>>> On Sun, 24 Jul 2005 13:56:45 GMT, "Angrie.Woman"
>>> <Angrie.Woman@xxxxxxxxxx> wrote:
>>>
>>>
>>>>TyMeDwn1st wrote:
>>>>
>>>>>On 24 Jul 2005 03:04:17 -0700, "redleg" <redleg510@xxxxxxxxxxx> wrote:
>>>>>
>>>>>
>>>>>
>>>>>
>>>>>>I owed Earthlink $21.95, and they gave the task to a collection agency.
>>>>>>They sent a very polite email, and I promptly told them to go have sex
>>>>>>with a farm animal.
>>>>>>
>>>>>>I still owe them $21.95, its been 10 yrs now.
>>>>>
>>>>>
>>>>>I see a lot of similar situation at the credit union. Usually they're
>>>>>listed on the credit reports I'm reviewing as "unpaid collection
>>>>>items" and are the reasons applicants either don't get their loans or
>>>>>are quoted a much higher interest rate than they'd qualify for without
>>>>>that little entry.
>>>>>
>>>>>
>>>>
>>>> Don't they go away after 7 or 10 years or soemthing?
>>>>
>>>>A
>>>
>>> Nobody gets turned down for a loan because of a 20 dollar beef. The
>>> people who loan money know most of these micro-debts are bogus.
>>
>>Uh, Ty is one of those people who make decisions about loaning money. If
>>she says it counts, I am going with that.
>>
>>A
>Well, dont do anything that makes ya nervious or keeps you awake
>nites. But for what its worth, here is a true story:
>
>Over they years I've had my share of bogus bills from vendors that
>"didnt take returns" or "Had no record of my payment" or other
>accidental or intentional demands for money they didnt deserve.
>
>At one time I used UPS extensively for my auctions. Since I was a
>small customer I called in each day, ordered a pickup, got my costs
>right from UPS over the phone and handed the driver a check the next
>day. Then I found out I could save maybe 25% by opening an account.
>
>Problem is, after a month my statements began to include additional
>charges for such interesting reasons as "hard to reach address". I
>refused to pay the add-ons since I'd gotten my original totals right
>from UPS and had no way to chase the customers for the additional
>money. Eventually I cancelled the account and went back to calling in
>for each shipment. Eventually I just went with the PO completely.
>
>After a few months I began to get statements billing me the account
>minimum, the amt a customer is charged if they ship nothing. I assumed
>they hadnt picked up the cancellation. When I called I was told the my
>account was indeed closed and they didnt know why I was still accruing
>bills. But they didnt stop it. At least until I'd accrued 150 bucks of
>bogus charges. UPS response: "UPS doesnt negotiate!" They expected me
>to pay 'em anyway.
>
>Naturally I didnt and eventually began receiving bills from a
>fly-by-nite collection agency. I'd seen these guys before because they
>were local, operating out of a tiny basement office in a slum
>neighborhood. I ignored them too. Nothing came of it, no lawsuit,
>nothing.
>
>NOW: a year later. I apply for insurance and I'm discussing the
>premiums with the salesman ALSO, IT SHOULD BE NOTED, ONE OF THOSE
>PEOPLE WHO MAKE DECISIONS, and I'm trying to get the lowest rate.
>
>What he said was a real eye-opener. Said he, "You cant get any lower
>rate. Based on your credit rating you are already in the group that
>gets the best deal because your credit is perfect. NOBODY gets in a
>better catagory and you are getting the lowest rate that ANYBODY gets"
>
>All the threats from UPS, assorted magazine pubs, scam artists and
>whatever meant nothing. They were either ignored or never even made it
>to my credit report.
>
>If you dont believe me, order your own credit report. You wont see any
>of the little BS demands some magazine reseller stuck on there "cause
>you took the 4 free issues and then didnt subscribe. No serious lender
>or credit reporting agency takes that junk seriously because they know
>the claims are rubbish and because almost everybody has a few. Maybe
>if you DIDNT have 'em, you'd look like a poor customer because you do
>not buy anything!
>
>
>But opinions differ. If ya dont like MY story, write a better one, or
>take the easy way out and insult me. Whatever. I thought it was
>interesting.

I'd described it more as "amusing."



--
Ty
Who is mostly just a
slightly skewed
Donna Reed

A patriot must always be ready to defend his country against his government.
--Edward Abbey
.

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