TTIWWP
Post the fucking pics of your wifes boobs* ya boob!
*covered is acceptable
The surgeon is obviously used to dealing with airheads who sign anything without reading it.
blah blah blah
Bullshit. Wait until you are sure the obligation is LEGAL. No one ever got money back from a professional corporate thief.Pics of tits please.
On a serious note, take it from someone in the credit industry: If you think for a second that you may be legally obligated for the debt: Pay it. Then try and fight them to get it back with whatever consumer protection law you want.
$150 is not worth the damage that sinking one or more of your credit scores can do.
Unless the CA has copies of the original paperwork complete with signatures, they cannot collect that debt.Often times collection agencies are easier to work with (negotiate for a lower amount and payment for deletion, etc) than the original creditor.
Well, it fairness, it came from someone who admits to being in the pit of snakes known as "the Credit Industry. :whiste:Worst advice ever.
Yep, this is all my fault.
Well it is your fault. By not contacting them when the card first arrived and disputing the opening of the account, you in essence accepted the card so they "rendered" a service for which they state you have to pay $150.
You should have disputed it when the card first arrived not when the bill arrived. I'm not arguing that it's a very shady practice and not that they are slime for doing it but rather pointing out that you may in fact owe the money.
On x date we received your request and authorization to apply for and secure credit lines to finance your contemplated cosmetic procedure, which resulted in credit offers from the lender(s) from whom you received a Card. As a processing company, not a lender this is the service we provide.
yatta yatta....
Accordingly, our fee is justified and due as billed, for having rendered the service you requested; that we apply for and secure credit lines on your behalf. Our fee is not contingent on acceptance or use of credit offer.
Question what the fee is for.
When it comes to qualifying for a loan, requiring the consumer to pay a fee before he or she knows he or she will get the loan is an industry-wide practice. Legitimate companies typically charge a fee to process your application and apply the fee to cover the costs of researching your credit worthiness. Advance fee loan schemes claim that payment of the fee will "lock you into the loan" so that you will not lose out to others competing for loans. Such hard sell tactics should be a red flag from doing any further business with the loan broker, especially if the company encourages you to send the money that day and is willing to pay for an overnight mail company pick-up at your home or office.
In Many states these businesses are illegal.
Over the past few years, many states have enacted legislation prohibiting loan brokers from charging an advance fee. In Florida, assessing or collecting such a fee is a felony. There are some businesses such as banks and credit unions which are exempt from this prohibition. In Florida, contact the Office of Financial Regulation to determine if the company you are dealing with is acting legally. In other states, you may want to contact consumer agencies such as the Attorney General's Office and local consumer agencies in the county where the company is located to determine if there are complaints or legal actions pending against the company. Do not rely solely on Chambers of Commerce or other business associations where membership is the based on payment of a fee.
Alright - It's been awhile since I posted in this thread. I've already determined I won't be paying these guys a dime. I just am looking for clarification on one particular point. Perhaps I am misinterpreting this, so some second opinions would be nice.
They just sent my wife an email. They are saying they 'intend to pursue court action'. Ok fine. They attached a PDF with my wifes first email to them and the correspondence they sent back to us (which we never received btw). One particular part of this correspondence is important to me. This is what they said
That's what they say me. They are a company in the state of Florida. I live in the state of Florida.
So... isn't that exactly what they are doing. And they even admit to it?
In Florida, contact the Office of Financial Regulation
Alright - It's been awhile since I posted in this thread. I've already determined I won't be paying these guys a dime. I just am looking for clarification on one particular point. Perhaps I am misinterpreting this, so some second opinions would be nice.
They just sent my wife an email. They are saying they 'intend to pursue court action'. Ok fine. They attached a PDF with my wifes first email to them and the correspondence they sent back to us (which we never received btw). One particular part of this correspondence is important to me. This is what they said
That's what they say me. They are a company in the state of Florida. I live in the state of Florida.
So... isn't that exactly what they are doing. And they even admit to it?
Did you ask the Financial Reg department and find out like they suggest?
When it comes to qualifying for a loan, requiring the consumer to pay a fee before he or she knows he or she will get the loan is an industry-wide practice.
You didn't pay the fee before, they billed you after they secured the line of credit.In Florida, assessing or collecting such a fee is a felony.
That may be considered assessing a fee. This would literally make it illegal in Florida to ever charge for such a service unless it's a bank or similar. Guess it makes sense with all the seniors their - they must have been getting milked for ages before this law came into effect. Where is the company located?one of the terms was that she would be charged $150
You didn't pay the fee before, they billed you after they secured the line of credit.
Edit:
Looked back at the OP and saw this one:
That may be considered assessing a fee. This would literally make it illegal in Florida to ever charge for such a service unless it's a bank or similar. Guess it makes sense with all the seniors their - they must have been getting milked for ages before this law came into effect. Where is the company located?
Honestly, I just hate my time dealing with this bullshit. At the same time though I'm pissed as hell and am wondering if I should go after them.
You should go after them enough to at least get them to drop the issue against you. Going further could always be good though, helps keep the scum from trapping another victim.
I just responded to their email letting them know that what they are doing is a felony (and I know it is) and telling them I am contacting the BBB, Finance of Regulations and a lawyer. I'm not actually getting a lawyer, as I don't want to waste my money on one. But they don't know that.
Unless you sue them, they will continue to do this. They don't care about your letter, they get thousands a day. The only thing they care about is something that costs them - and that is to sue them. They will just laugh at you unless there is an actual lawsuit involved.
Your wasting your time with a "scary" letter. The BBB is completely useless and the FL DFR is toothless and won't really do anything in your specific case. So what, the attorney general gets a letter about a company? Bigger fish to fry - the AG and DFR won't do anything specifically for you. Certainly file the complaint - it will go in the database, but don't think they are going to bat for you.
File the lawsuit pro se (by yourself) - it costs $240. You'll get that judgment and if you collect you'll get that $240 back plus reasonable attorney fees.
I agree, I doubt those places will do anything either. I just wanted him to know that I am pursuing every avenue possible, even if I'm not. Really, as long as I can't be taken to small claims court and ruled against, nothing else matters to me. *
I just couldn't see how I am misinterpreting anything and I could actually be ruled against. *shrugs
If you do get served - its actually a good thing. They have paid the $240 and its free for you to countersue and take them to the cleaners.