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  #1  
Old 12-15-2007, 05:05 PM
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VISA rant!!

Has anyone been stung by the latest credit card extortion?? Where they can put you at the default interest rate evn if you never paid them late? They SAY that if you are late on ONE card or payment, that you are a risk. (even if the one payment was late due to the mail or ANYTHING!)

I 'disputed' a charge on my visa, and was told to try to deal with the merchant. I was further instructed to wait 2 billing cycles to 'see' if they had refunded the money. THEN, I was told to contact the credit union that ISSUED the card. I called back and was told that " the computers are down, and we can't get any info.".....

Can you GUESS what happened NEXT?!? I was TOLD that I had " WAITED too LONG" to file the dispute and there was NOTHING they could do!!!!

I am sending a check for $450., with EXTORTION and YOU SUCK on the memo, and including the name of my lawyer and the cut up card!

I just sent a "You suck" e-mail to corperate.

I recently rolled all of my IRAs into one provider that allows me to borrow against it, "at any time, for any reason", and borrowed enough to pay OFF my credit card debt and BUY Steves Subaru. I am paying MYSELF 3% interest!

YOUNG guys, TAKE NOTE!!! Get into a GOOD IRA while you are YOUNG!!

It will make a WORLD of difference in your later years.

Then, you TOO, can tell visa that they SUCK!!!!
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Last edited by subi-crosser; 12-15-2007 at 05:21 PM.
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  #2  
Old 12-15-2007, 06:15 PM
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Good rant, Jerry

I know what IRA means over here.

What does it mean with you guys??

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  #3  
Old 12-15-2007, 06:45 PM
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Quote:
Originally Posted by svxistentialist View Post
Good rant, Jerry

I know what IRA means over here.

What does it mean with you guys??

I'm sorry!, I should have said Individual Retirement Accounts!

I forgot that not all of our members are from this country!

HOWEVER, if they keep screwing us, we MIGHT have to call on YOUR guys! I came up with 4 good phrases that might fit, but they mmight bring the CIA into my world to ask me what I meant! ( Central Intelligence Agency) I think that the second word in that name is a metaphore, since I have seen so little 'intelligence' in anything involving guv-ment..

If they wanted to investigate home-grown terrorisim they would be kicking the BANKERS and INSURANCE companies!
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I'm not a REDNECK! I am an Appalachian-AMERICAN!!

"Can't go to work today. The 'voices' said to "Stay home and clean the guns".


Most famous Red-Neck last words...
" Hey Everybody, Watch This!!)


http://s306.photobucket.com/albums/nn272/subi-crosser/
Jerry

Last edited by subi-crosser; 12-15-2007 at 06:53 PM.
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  #4  
Old 12-15-2007, 07:11 PM
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I have a visa rant every month when I get the bill. This month I went through the roof to the tune of over $3500. But I think that I have it under control now. I've taken the cards away from my wife.
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  #5  
Old 12-16-2007, 01:08 AM
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F*** Those F***ing F***ers

FFFFFFFFFFFF THEM ALL! I was audited by the IRS and one call to my lawyer made them send me an apology letter just four days later, but the credit card companies are just plain EVIL. Yesterday I had my bank account labeled as 'compromised' and closed because of creditor billing abuse. I paid off my student loan and they are still taking money from my account while refusing to provide me with the documents showing that I paid them off even though I have a confirmation number and date when I paid my last payment. I am boiling hot here and hope they meet their maker w/ unpleasant results.
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  #6  
Old 12-16-2007, 03:25 AM
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Quote:
Originally Posted by subi-crosser View Post
I'm sorry!, I should have said Individual Retirement Accounts!

I forgot that not all of our members are from this country!

HOWEVER, if they keep screwing us, we MIGHT have to call on YOUR guys! I came up with 4 good phrases that might fit, but they might bring the CIA into my world to ask me what I meant! ( Central Intelligence Agency) I think that the second word in that name is a metaphore, since I have seen so little 'intelligence' in anything involving guv-ment..

If they wanted to investigate home-grown terrorism they would be kicking the BANKERS and INSURANCE companies!
Ah, I see! Thanks Jerry for the info.

We have them here too, except we call them PPS for Personal Pension Schemes.

I think you're right about the Intelligence bit. They have a weird grasp of English anyhow that somehow decries the intelligence word.

Here in Ireland [we're very neutral now since we stopped blowing each other up] there is left wing backlash about NOT searching CIA flights on route to Guantanamo via Shannon with orange clad militia prisoners on board. They call these flights Extraordinary Rendition.

My idea of extraordinary rendition is when somebody gets up at a wedding and sings "My Way" in Hebrew or Urdu or something

Joe
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  #7  
Old 12-17-2007, 09:19 PM
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Quote:
Originally Posted by YourConfused View Post
FFFFFFFFFFFF THEM ALL! I was audited by the IRS and one call to my lawyer made them send me an apology letter just four days later, but the credit card companies are just plain EVIL. Yesterday I had my bank account labeled as 'compromised' and closed because of creditor billing abuse. I paid off my student loan and they are still taking money from my account while refusing to provide me with the documents showing that I paid them off even though I have a confirmation number and date when I paid my last payment. I am boiling hot here and hope they meet their maker w/ unpleasant results.
I actually got a response from my " YOU SUCK" letter I sent to corporate! They are blaming the 'provider' of the card. I tamed down my true feelings and told them to work it out by New Years day, and figure out WHO OWES my $450. plus 11% interest for 10 months! (since the provider blamed corporate for the time limit). We will seeee.

I awaite with beer'd breath for the answer....

PS I have a 'special place' that I store all e-mails so I can put one against the other. ( in court if necessary)
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I'm not a REDNECK! I am an Appalachian-AMERICAN!!

"Can't go to work today. The 'voices' said to "Stay home and clean the guns".


Most famous Red-Neck last words...
" Hey Everybody, Watch This!!)


http://s306.photobucket.com/albums/nn272/subi-crosser/
Jerry

Last edited by subi-crosser; 12-17-2007 at 09:21 PM.
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  #8  
Old 12-19-2007, 09:46 PM
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Quote:
Originally Posted by subi-crosser View Post
I actually got a response from my " YOU SUCK" letter I sent to corporate! They are blaming the 'provider' of the card. I tamed down my true feelings and told them to work it out by New Years day, and figure out WHO OWES my $450. plus 11% interest for 10 months! (since the provider blamed corporate for the time limit). We will seeee.

I awaite with beer'd breath for the answer....

PS I have a 'special place' that I store all e-mails so I can put one against the other. ( in court if necessary)

Got ANOTHER E-mail from 'Corporate' today with a PHONE number to sic the visa dogs on them! The problem is NOT the Credit union that issued the card, it's with the company/bank that SERVICES the account FOR visa inc!

I called the number and filed a complaint against the bank in Florida that *****ed me!

The 'local' guy has prepared a letter to 'corperate' explaining just how the account was MIS-HANDLED, and requesting my refund, WITH interest.

I printed the last e-mails and took them to the credit union (at the managers request) today.
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I'm not a REDNECK! I am an Appalachian-AMERICAN!!

"Can't go to work today. The 'voices' said to "Stay home and clean the guns".


Most famous Red-Neck last words...
" Hey Everybody, Watch This!!)


http://s306.photobucket.com/albums/nn272/subi-crosser/
Jerry
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  #9  
Old 12-20-2007, 07:55 PM
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Good for you! Glad to hear it.
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  #10  
Old 12-29-2007, 12:53 AM
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Since I can't go play in the garage..

Quote:
Originally Posted by YourConfused View Post
Good for you! Glad to hear it.
I just sent another letter to visa,corporate. I informed them that I was going to do a lot of things that they wouldn't like if they do NOT refund my money plus interest by Jan 15th. I paid the card down to the 'disputed' amount for the 3rd time in 07, told them that I was going to turn all my documents over to the BBB, Md states attny, my lawyer, my Congressman, my Deligate and my Senator. With all the crap that is falling on the heads of the credit card industry over their BAD decisions, I MIGHT be able to give the 'other side' some bite!

I have a lot more time on my hands since the Dr told me to "stay out of the garage" for 6 more weeks
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I'm not a REDNECK! I am an Appalachian-AMERICAN!!

"Can't go to work today. The 'voices' said to "Stay home and clean the guns".


Most famous Red-Neck last words...
" Hey Everybody, Watch This!!)


http://s306.photobucket.com/albums/nn272/subi-crosser/
Jerry
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  #11  
Old 12-29-2007, 01:37 AM
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A letter that I sent TODAY to the collection agency that beat me up last feb

I paid your extortion with a check with a memo, " EXTORTION,NOT A VALID DEBT a year ago. Are you DONE using my money yet?? I DID not owe us cellular any money, and you sent me a letter threatening to SLAM my credit report if I didn't pay the EXTORTION. When I contacted you about the 'debt' YOU didn't have the account number and asked ME for it. I didn't have it because I had DUMPED uscellular 5 YEARS before over "Unfair billing practices", had requested a 'final' bill, had PAID it and WASHED MY HANDS of the scum that I had been married to!!! 5 YEARS later, I get a nasty gram from YOU!!

I WANT my MONEY back!! With interest. ( I TOLD you that I didn't owe it when we talked on the phone.)

I only paid it so you bottom feeders couldn't slam my credit report.

I always pay 'valid debts', I only paid THIS one because it would cost me LESS to do so at the time!

Guess what?!? I have a lot more time on my hands now! I am getting a suit ready for visa over a similar situation. and have been told by the Dr to " stay out of the garage". The only thing that I have left to do for a hobby is to help bring DOWN the LIARS that have been causing me grief! YOU are one of them! It was only $74.25, I paid it because you could have cost me tens of thousands of dollars on my LAST refinance.

Rate is locked in, Credit cards shredded,. I DON'T NEED that little south african telling the banks what I am all about! My goal in 2008 is to bring all the THIEVES that hide behind the credit reporting agencies to THEIR KNEES! I don't NEED your credit!! I am going back on the CASH system!

I told Visa corporate that they SUCK! You SUCK too! Buying lies and beating up the VICTIM of unfair billing practices! SHAME on you!! I want my MONEY back!
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I'm not a REDNECK! I am an Appalachian-AMERICAN!!

"Can't go to work today. The 'voices' said to "Stay home and clean the guns".


Most famous Red-Neck last words...
" Hey Everybody, Watch This!!)


http://s306.photobucket.com/albums/nn272/subi-crosser/
Jerry
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  #12  
Old 12-29-2007, 02:00 AM
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letter that I sent to Visa corporate today

I have spoken the a person at this phone number. I
have filed a complaint with this person, I have
recieved the 'form' letter that tells me that I am
going to be SHAFTED AGAIN, because the letter looked
like another " WE can't HELP you".

I have paid down the card to the Disputed amount for
the third time this year.

Since I am getting to the point in my life where I
DON'T give a tinkers DAMN about my credit report, I am
about to give this to my LAWYER and Sue for the
disputed amount PLUS legal fees, interest and Injury
to credit' because I decided that I don't really need
to deal with loan sharks anymore!

YOUR people LIED to me! Fix it!! If not
'corporate', the LIARS that YOU licensed SCREWED me,
in YOUR name!! You will be named in the suit! I am
contacting the BBB and the Md States Atty. on january
15th! I will 'hand carry' all the paperwork that your
letters and e-mails told me NOT to SEND.

I have left a balance of $500. on the card. I feel
that the CRAP that I have put up with is worth much
MORE, and will be asking the courts for a much larger
summmm.

I NEED written proof that you are an honorable
company, in the form of a ZERO balance on my Kelco
card by the date that I mentioned, or I will persue
LEGAL options!

I will be sending a copy of this letter, and my
attempts to correct this problem to the Md Statehouse.
I have my Delegate, senator and congressman's phone
numbers on my cell phone and will be in touch with
them.

This is a little guy that will NOT roll over and
take it!!

Just do the right thing and get me my money back,
with INTEREST!! by January 15th.

ZERO balance or send your lawyers to Cumberland to
tell a jury of my peers why I should pay for a 'VISA'
mistake. Sounds like an easy decision....

Gerald A Wilson
__________________
I'm not a REDNECK! I am an Appalachian-AMERICAN!!

"Can't go to work today. The 'voices' said to "Stay home and clean the guns".


Most famous Red-Neck last words...
" Hey Everybody, Watch This!!)


http://s306.photobucket.com/albums/nn272/subi-crosser/
Jerry
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  #13  
Old 12-29-2007, 05:50 AM
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Quote:
Originally Posted by subi-crosser View Post

I have a lot more time on my hands since the Dr told me to "stay out of the garage" for 6 more weeks
My Mom had an eye operation recently, and she was told a 12 weeks recovery time.

Make sure you take the advice Jerry, and take it easy. 6 weeks looks like a long time when looking ahead to it.

Looking back on it, it's a hell of a lot shorter than a lifetime with only one eye.

Hey and keep cool when writing to these credit sharks! Too much adrenaline is probably bad for laser adhesion

Joe
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  #14  
Old 12-29-2007, 09:39 AM
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Quote:
Originally Posted by subi-crosser View Post
I have spoken the a person at this phone number. I
have filed a complaint with this person, I have
recieved the 'form' letter that tells me that I am
going to be SHAFTED AGAIN, because the letter looked
like another " WE can't HELP you".

I have paid down the card to the Disputed amount for
the third time this year.

Since I am getting to the point in my life where I
DON'T give a tinkers DAMN about my credit report, I am
about to give this to my LAWYER and Sue for the
disputed amount PLUS legal fees, interest and Injury
to credit' because I decided that I don't really need
to deal with loan sharks anymore!

YOUR people LIED to me! Fix it!! If not
'corporate', the LIARS that YOU licensed SCREWED me,
in YOUR name!! You will be named in the suit! I am
contacting the BBB and the Md States Atty. on january
15th! I will 'hand carry' all the paperwork that your
letters and e-mails told me NOT to SEND.

I have left a balance of $500. on the card. I feel
that the CRAP that I have put up with is worth much
MORE, and will be asking the courts for a much larger
summmm.

I NEED written proof that you are an honorable
company, in the form of a ZERO balance on my Kelco
card by the date that I mentioned, or I will persue
LEGAL options!

I will be sending a copy of this letter, and my
attempts to correct this problem to the Md Statehouse.
I have my Delegate, senator and congressman's phone
numbers on my cell phone and will be in touch with
them.

This is a little guy that will NOT roll over and
take it!!

Just do the right thing and get me my money back,
with INTEREST!! by January 15th.

ZERO balance or send your lawyers to Cumberland to
tell a jury of my peers why I should pay for a 'VISA'
mistake. Sounds like an easy decision....

Gerald A Wilson
Don't take their crap ~! I hope you don't have to pursue legal action!
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  #15  
Old 01-08-2008, 08:16 PM
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Quote:
Originally Posted by Wikedjuggalo View Post
Don't take their crap ~! I hope you don't have to pursue legal action!

Got a letter in my pocket from my Congressman. The Credit Union sent all the documents, plus a cover letter to my Delegate, (that called me on friday). AS FAR as the Attny General's office, no response....

The 'Deligate' is going to put HIS cover letter on mine, and send it to the Atty General, ( since they didn't respond)... The Congressman will do the same.

I think that this issue might just recieve the attention that it deserves, if I stay vigilant!

I'm TIRED of being screwed by 'big' money!!'...
__________________
I'm not a REDNECK! I am an Appalachian-AMERICAN!!

"Can't go to work today. The 'voices' said to "Stay home and clean the guns".


Most famous Red-Neck last words...
" Hey Everybody, Watch This!!)


http://s306.photobucket.com/albums/nn272/subi-crosser/
Jerry
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