Posted on 09/24/2014 7:15:32 PM PDT by blam
Simple solution: the people tell the government to make those cameras illegal, along with any other technology that threatens the loss of freedom.
Just because some technology exists, doesn't mean anybody or anything is allowed to use it for any reason.
Thank you for posting this. Since when does 3 days late warrant such tactics? That is what late charges are for, higher interest rates, etc. All of that stuff banks have done for years to cover their risk of non-payment.
I do feel this woman’s pain. I recently missed a payment on a HELOC loan. Not because I couldn’t pay, but because I was working my butt off, long hours, and accidently missed the payment. They had a debt collector calling me a dozen times a day from an unidentified long distance number. I do not answer calls unless I know who they are from. The caller never, NEVER, left a message to say they were from the bank/ collector. I finally got pissed one night after they called 3 times in less than 5 minutes! I was even more angry when I found out who they were. Oh...and I have a credit score in the top 10%, so I ain’t no low life slouch.
I told them to stop calling and I would take care of the payment at the bank, not with them. They got rude with me on the phone and I hung up on them. Nasty, nasty people. I then gave a piece of my mind to my bank when I made the payment. It was days late, not a month...days.
So to those who think that such stories only happen to low-lifes, I am posting to say...no they don’t. Personally I think the banks are getting desperate again, down right desperate.
They are not heartless, they are self-righteous and stupid, if they believe all that anyone has to do is follow a certain set of rules to never run out of money or have trouble with anything in life.
Too bad the government didn't push a button to stop the banksters from destroying the economy, leaving the woman on the article with no money.
Yet the banksters can enforce their set of rules on the very victims of their greed.
And when the banksters can't make their own payments, WE the People--their victims--give them the money to do so.
What the hell is wrong with a lender placing a device that disables a vehicle when the “deadbeat” fails to pay?
The utility companies do it all of the time. No pay...no electricity, water, TV, phone or cable.
This woman was clearly a “deadbeat” and is hoping for sympathy so she could ride the wave of “hope and change” that Obama promised. Only problem was that she did not realize what the phrase meant and that a free ride on society really was “smoke and mirrors.”
“There is no reason to have to DISPLAY the license number of a vehicle. A simple renewable non unique sticker indicating the car carries a current license is all that is needed. The actual unique license number could be produced to law enforcement when appropriate.”
Naa, to easy for fraud. The simple solution is to simply ban the hardware with serious jail time for those that are caught. Ban the databases, either have a search warrant to collect VERY SPECIFIC data, or tough.
Did you actually read the article? Well, here’s a hint: “ a single mother who stopped working to care for her daughter. It was not the only time this happened: Her car was shut down that March, once in April and again in June.”
Apparently you don’t have much in the way of “real life” experiences to understand what a “deadbeat” is. She didn’t have to stop work to care for her daughter...she most likely was on welfare and the state had free daycare available.
I’ll bet that she had the latest entertainment devices in her home and her cell phone bill was greater than her car payment. On top of that, all of her furnishings for the “home” were from rental companies.
In my early years I was poor as a church rat and the only vehicle I could buy (with cash) was a 1960 El Camino with holes in the floor boards and burned a quart of oil every 150 miles. However, I paid cash for it for two reasons: (1) was that I could not get credit and (2) If I got credit I was afraid that I could not pay it back. However, it worked as a source of transportation TO WORK (something that deadbeat didn’t understand) and as I improved my financial standing with time, I was able to buy other things....and actually pay for them.
This is a story written by a liberal “bleeding heart” socialist who hates any mention of responsibility for one’s own actions.
“because I was working my butt off, long hours, and accidently missed the payment.”
So, you were so busy that you could not write a check and put it into the mail? I’ve actually been able to write a check and place it in an envelope in less than a minute!
In my early years I had to take any job that I could and one of the only jobs I could get was at a finance company as a collector. The excuse you just wrote was one that I heard many, many times. However, you had time to write a check to pay for rent, utilities and other things didn’t you.
By the way, you usually don’t get calls from collection agencies unless you are more than 30 days late in payment.
“By the way, you usually don’t get calls from collection agencies unless you are more than 30 days late in payment.”
That’s nonsense. I’ve been getting calls and notices from dirtbag debt collectors for more than 10 years. Some person with the same name as mine didn’t pay his student loan. When I first started getting the notices, I dialed up my state legislator and the state attorney general’s office to prove I was not the person who owed that debt.
The scum debt collector got the message but sold my name to other debt collector pricks. No amount of proof, certified notices or threats from attorneys will get your name removed from the debtor list. Debt collectors are scumballs who maintain no quality control. A simple crosscheck of my social security number against the person who owes that debt should end the harassment but the debt collector scum refuse to do that.
We’re working on legislation that will fine debt collectors $100,000 who target and harass the wrong people. That’s $100,000 for every instance of wrongful contact.
You’re not getting it. There was no emergency created because her lender shut off the car. Free or not, she had options.
” don’t see how your comment about the need for everyone to make their car’s available for an emergency figures in the discussion.”
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I said at the outset that I was confused.:-)
Thanks for your most informative reply.
.
I noticed the people affected were all the usual victims. Single mothers, sick kids, etc. I guess the narrative is that this is BAD.
“Do you think calling 911 for an ambulance is free? “
It’s free if you are on Medicaid.
“and accidently missed the payment. They had a debt collector calling me a dozen times a day from an unidentified long distance number.”
1. Automatic draft solves this problem.
2. Debt collectors cannot buy debt if there is only one missed payment. That was the bank calling.
If you can prove that you are not the person they are seeking and clearly prove it to them, you can sue the pants off of them if they harass you again.
HOWEVER! The big mistake everyone makes is to verbally transact the conversations. EVERYTHING must be done in written form, both contacts and responses.
If they call you, tell them that you won’t talk to them over the phone and to provide you with their requests in writing. Why? Because, in most cases, they don’t really disclose the real name of their company or the issue in question.
If all correspondence is not in written form, you will be made out to be a liar if it comes to “you say...they say.” In written form, that can’t happen. In court verbal conversations won’t hold up even if you 25 witnesses to the fact.
Of course, they've sold and resold the nonexistent debt to multiple debt collectors. They refuse to put anything in writing, just the calls or collection notices from yet another agency to whom they've sold an $85 debt.
I suppose they think I should just eat it because it is "only" $85. But I refuse to do so as a matter of principle. Every new collector claiming the right to the debt gets a terse notice from me and generally backs off . . . until they sell it to someone else.
Next step is to file a counterclaim with the credit reporting agency and then possibly take them to small claims court for the credit balance. All this stuff takes time and I don't have a lot of it when dealing with scum sucking bottom feeding lowlife idiots.
Actually, the repo drivers need the keys because replacement keys with transponders and fobs start at $200.00 each. Luxury cars can go upwards of $500.
The new cars with “keyless” ignition are even more expensive.
I work in Dealer Finance. I would instruct my repo agencies to hold on to all personal items in the car until the (former) owner came in with the keys.
He could have his stuff back after he surrendered the keys.
Your comment made me think of a time, many years ago, when my husband and I had acquired way too much credit card debt. Some Interest rates were as high as 25% - this was all our own doing, BTW.
We woke up one day and just decided enough was enough and started paying on time, every time and the largest with double payments. I recognize it as the "Dave Ramsey" method now, although he was not nationally known at the time.
I felt good writing that last check on the last credit card we would ever use - I even put in an extra 5 dollars to make sure it paid off. Then, in the mail, they sent me another bill for the interest that had accrued prior to receiving the payment. I recall it was less than $10 and it sort of pissed me off.
So I sent them $15 and on my next statement I was finally paid in full and even had a 5 cent credit.
I had already canceled the card and asked them to send me the credit in a check form - which they refused to do because they "do not write checks for less than ten dollars".
Oh yeah? Well, its my five cents buddy and if I owed you five cents you'd add interest until it was paid, wouldn't you? You sure wouldn't tell me "its just five cents, so what's the big deal?", now would you?.
It was the principle of the thing, you know? It took me almost 6 months of making "collection calls" - sometimes daily - until they finally sent me a check for $10. LOL!
” don’t see how your comment about the need for everyone to make their car’s available for an emergency figures in the discussion.”
I guess the Marxists just expect you to leave your car with the keys in it to cover any “eventual need” they might have for it.
In thinking about it, maybe we should all have these devices installed in our vehicles, and have an additional “fob” ( or smart phone app) that will allow us to “disable” our cars when we have to park them. It would need to be encrypted so thieves couldn’t grab the code when it was “broadcast” to the vehicle.
The only way to defeat this crap is not have a license plate to begin with. When you say easy for fraud. Fraud how? As far as I'm concerned we should not need a government license for our vehicles at all. So for those that disagree fine but we certainly don't need to put the license on display for all to see. Each year just issue a sticker when you renew the license, the sticker would change every year but all of them would be exactly the same. Only with legitimate probable cause should you have to show the actual license number of the vehicle.
Problem solved, cars are licensed but liberty is preserved.
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