[lbo-talk] I don't get it?

Bill Bartlett billbartlett at aapt.net.au
Fri Feb 27 18:42:58 PST 2009


I still don't get it. You said you didn't even know the debt was there. This debt just turned up out of the blue when you applied for a bank account. So obviously it didn't cause any big problem. In fact you didn't even notice it.

And what's this bullshit about you just being too busy to be bothered contesting it? That isn't good enough, come on. You just hand over money to every person who demands it, rather than be bothered arguing? No wonder you need that job so bad, life must get very expensive with that kind of attitude?

Think about your social responsibility. You are personally equipped to make the credit card company regret the day they tried to extort you, to regret the day they ever heard of you. Who is going to keep them in check if you don't? Its a dirty job, but someone has to do it and a lot of people aren't equipped to do it.

You too Jordan. Get a grip man, if you're going to let every bank bully you like this, you're life can't be worth living! Dont just bend over and take it from these parasites.

Bill Bartlett Bracknell Tas

At 8:58 PM -0500 27/2/09, shag carpet bomb wrote:


>well, i wouldn't have been able to rent the last three places I've
>rented, that's why. if i needed any kind of credit -- I am,
>fortunately, debt-free at the moment -- no gettee. i knew someone
>who fell in a parking lot. sued the store to get payment for his
>bills. store paid. one of the bills fell through the cracks and it
>looked like he never paid up. years later, when his 1979 jeep broke
>down and he needed a line of credit to get it fixed, no gettee. he
>ended up getting that mistake off his record, but he never even knew
>he owed the money to begin with -- and this was years ago, back in
>the late 80s/early 90s.
>
>in many jobs, especially where you have access to anything having to
>do with money or computer technology or information systems, they
>run credit checks on you as part of your screening for hire. if you
>have a bad credit history, you're immediately red-flagged as a
>potential risk. people who don't pay their bills or have high
>debt-income ratios are seen as potential thieves.
>
>additionally, i've heard that if you even live with someone --
>partner, child, parent -- who has bad credit, it will reflect on you
>as well.
>
>and me? i have enough going on in my life that i really don't want
>to be bothered with writing letters, making phone calls, etc. etc. i
>pay the fucking bill at some ridiculous "reduced" rate and make a
>note to never, ever let it happen again. e.g., i now have a list of
>every single credit card, vendor, utility company, the account
>number, etc. and I'm vigilant about keeping my address records up to
>date and not letting anything fall through the cracks in the first
>place.
>
>the obvious answer, as you well know, is that if you want to live in
>mainstream u.s. society, you hew to these demands. If you don't and
>are happy living on the margins, spending your time fighting people
>about bills and payments and how much you owe and going to court and
>such, then you can do as you please. It's sort of like asking us why
>we work and then pointing to your own lifestyle as the obvious
>answer as to how to avoid all these problems we discuss. :)
>
>seems silly to me, bill.
>
>and personally, i spent a lifetime living on the margins of
>mainstream society or so barely inside it that the threat of falling
>out of it was always imminent. i have no fucking interest in living
>like that ever again. i never ever want to wonder where my next
>dollar will come from, if my car will break down on the next job
>hunting trip, or where i will sleep that night. and the last thing i
>ever freakin want to do is live in some anarchist commune wearing a
>hair shirt or some horse shittery.
>
>nothing's too good for the working class!
>
>
>
>shag
>
>At 08:31 PM 2/27/2009, Bill Bartlett wrote:
>>Obviously I'm unfamiliar with the US banking system, so I don't
>>quite follow how this extortion racket works. I understand it up to
>>the point where the bank concocts a large debt which it puts into a
>>collection agency. What I don't follow is why you and shag actually
>>pay the extortion demand.
>
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