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Posted by {b.s.e.} on Dec-06-2004 16:24:

Creditors

so i just received a call from some woman who's name begins with an 'M', i can't remember what it was, but we'll say it's for security issues. it seems i ran up an overdraft of about 400 dollars at my ex-homebranch of TD Canada Trust. The balance owing is now 517.something. I haggled with her and she let me know that if i pay a one time lump sum, she'll clear the account for 253.64 and my credit will return to normal after a few weeks. I've owed this money since Feb '03.

so, in closing, don't pay off your loans and wait the creditors out. they will drop your balance to below what you borrowed in the first place, just to get some money out of you. this is even after they tried to strongarm money out of me 6 months ago, and threatened to send bailiffs to my door and serve me with small claims court papers.

harley 1
capitalism 0

:P

Posted by Halcyon+On+On on Dec-06-2004 16:53:

Heh, yup.

Posted by tu_face on Dec-06-2004 17:42:

sorry, people don't tend to fuck about like that over here. if you owe money, often they will lend you more money to pay off the money though

Posted by {b.s.e.} on Dec-06-2004 17:49:

quote:
Originally posted by tu_face
sorry, people don't tend to fuck about like that over here. if you owe money, often they will lend you more money to pay off the money though

no need to aplogise

Posted by Boomer187 on Dec-06-2004 17:51:

thats the worst thing you could have done. They lied about your credit. My old roommate did the same exact thing 3 years ago. yea he is still rebuilding credit.

Posted by {b.s.e.} on Dec-06-2004 17:53:

quote:
Originally posted by Boomer187
thats the worst thing you could have done. They lied about your credit. My old roommate did the same exact thing 3 years ago. yea he is still rebuilding credit.

well, then fuckem. i haven't given them a cent yet

Posted by Boomer187 on Dec-06-2004 18:00:

quote:
Originally posted by {b.s.e.}
well, then fuckem. i haven't given them a cent yet

thats the spirit.

Posted by tribu on Dec-06-2004 18:02:

quote:
Originally posted by {b.s.e.}
well, then fuckem. i haven't given them a cent yet

Credit - 2

Posted by EarnYourKeep on Dec-06-2004 18:09:

not for nothing but u shouldn't be holding plastic if you aint responsible with it. you can refer to this post when your credit is fuked and you cant get a mortgage for your house. Then you'll be able to get a mortgage on ur house and end up paying interest for the rest of your life. Sorry but I've built my credit up pretty nicely, thats something I dont like to fuk with.

Posted by PhloTron on Dec-06-2004 18:11:

god forbid you'd ever want to try and get a home loan or something big like that down the road...

Posted by {b.s.e.} on Dec-06-2004 18:11:

quote:
Originally posted by kid nyce
not for nothing but u shouldn't be holding plastic if you aint responsible with it. you can refer to this post when your credit is fuked and you cant get a mortgage for your house. Then you'll be able to get a mortgage on ur house and end up paying interest for the rest of your life. Sorry but I've built my credit up pretty nicely, thats something I dont like to fuk with.

thanks, grandpa.

Posted by {b.s.e.} on Dec-06-2004 18:14:

quote:
Originally posted by PhloTron
god forbid you'd ever want to try and get a home loan or something big like that down the road...

OH NO NOT MY CREDIT

i'll pay for my house in cash, thank you.

Posted by Boomer187 on Dec-06-2004 18:40:

quote:
Originally posted by {b.s.e.}
OH NO NOT MY CREDIT

i'll pay for my house in cash, thank you.

you can get a house for $4.23

but for real, ok im not your dad, so I say, get all teh credit cards you cn right now, cause they will stop sending you apps for them.

Posted by {b.s.e.} on Dec-06-2004 18:43:

quote:
Originally posted by Boomer187

you can get a house for $4.23

but for real, ok im not your dad, so I say, get all teh credit cards you cn right now, cause they will stop sending you apps for them.

i just put my application in the mail for my New England Patriots Mastercard, with free NFL Dufflebag!!

Posted by tribu on Dec-06-2004 18:44:

I say you just arrange a payment plan with them, with some kind of contractual agreement that they will wipe your credit after less than the obligatory 7 years.

Or, if theyre still willing to accept the plan you mentioned above, GET IT IN WRITING. Or at least be smart and tape the phone conversation next time. Any evidence is good evidence.

Posted by {b.s.e.} on Dec-06-2004 18:45:

quote:
Originally posted by tribu
I say you just arrange a payment plan with them, with some kind of contractual agreement that they will wipe your credit after less than the obligatory 7 years.

Or, if theyre still willing to accept the plan you mentioned above, GET IT IN WRITING. Or at least be smart and tape the phone conversation next time. Any evidence is good evidence.

that's jokes. good plan.

Posted by placebo on Dec-06-2004 18:48:

i hate when you pay your credit card off every month and they keep raising your credit limit, just waiting for you to fuck up and carry over a balance.
fucking wanks

Posted by ShadoWolf on Dec-06-2004 19:28:

pull a Fight Club