|
Cellular forums Home > Archive > Verizon wireless > June 2005 > Anyone been FORCED to pay termination fee?
You are viewing an archived Text-only version of the thread.
To view this thread in it's original format and/or if you want to reply to
this thread please [click here]
| Author |
Anyone been FORCED to pay termination fee?
|
|
| Larry W4CSC 2005-06-19, 4:55 pm |
| Are there any posters or lurkers out there that have been FORCED to pay a
termination fee on their silly "contract"? I'm not talking about being
scared into it by idle threats from some company hack. I'm talking about
anyone who has been prosecuted in court for NOT paying the termination fee,
or has had their credit report tagged and knows (not just thinks) it's
tagged.
Let's hear from any of you to this thread that has actually been FORCED to
pay the fee.....or positively knows someone else who has been FORCED to pay
the fees.
--
Larry
Oh, this is gonna be a fun thread....(c;
| |
| Elector 2005-06-19, 4:55 pm |
|
"Larry W4CSC" <noone@home.com> wrote in message
news:Xns967A64CE08D7
5w4csc@63.223.7.253...
quote:
> Are there any posters or lurkers out there that have been FORCED to
> pay a
> termination fee on their silly "contract"? I'm not talking about
> being
> scared into it by idle threats from some company hack. I'm talking
> about
> anyone who has been prosecuted in court for NOT paying the
> termination fee,
> or has had their credit report tagged and knows (not just thinks)
> it's
> tagged.
>
> Let's hear from any of you to this thread that has actually been
> FORCED to
> pay the fee.....or positively knows someone else who has been FORCED
> to pay
> the fees.
>
> --
> Larry
>
> Oh, this is gonna be a fun thread....(c;
Let the fun begin.....
Years ago when I switch from Cellular One to then NYNEX the folks at
Cellular One (Now Cingular) sent my account to a collection agency.
The agency called me at home and sent a letter asking why I will not
pay etc. I first answered with a copy of every single invoice I had
from Cellular One that showed the bills were never correct, the
postings were late even when paying at the local office, the numerous
folks I had spoken to at the time to resolve the issues and what never
or did happen. I then called the lady at the collection agency and
explained it as I had written it and I told her that if the collection
agency posted anything to my report I would take both Cellular One and
them to court.
She after receiving and looking at the documents called back to say
that she believed I had a valid point of not paying and told her
client that. it never appeared in my credit profile and it has never
harmed me from getting service any where else. Now the hoot. I was not
on a contract since I was then a month to month since I started with
them as the 403 customer (Your cell number at the time showed your
rank in the phone number) no contracts as you have today. I have
noticed that if you take the company to Small Claims Court they are
more than willing to work it out before the judge gets involved. Taken
auto dealers and the like to the court and have not lost yet. Words of
advice "save all the contracts and updated documents they send and
read them carefully" many times the ETF can be waived.
Elector
| |
|
| Generally it is easier for the provider to report you to the credit bureaus
as delinquent on your obligations, that usually gets the customer's
attention faster & gets the fee paid much faster.
Fred
"Larry W4CSC" <noone@home.com> wrote in message
news:Xns967A64CE08D7
5w4csc@63.223.7.253...
quote:
> Are there any posters or lurkers out there that have been FORCED to pay a
> termination fee on their silly "contract"? I'm not talking about being
> scared into it by idle threats from some company hack. I'm talking about
> anyone who has been prosecuted in court for NOT paying the termination
fee,
quote:
> or has had their credit report tagged and knows (not just thinks) it's
> tagged.
>
> Let's hear from any of you to this thread that has actually been FORCED to
> pay the fee.....or positively knows someone else who has been FORCED to
pay
quote:
> the fees.
>
> --
> Larry
>
> Oh, this is gonna be a fun thread....(c;
| |
| Larry W4CSC 2005-06-20, 6:55 am |
| "Elector" <elector@my-deja.com> wrote in
news:Fhfte.26202$fp6.15401@twister.nyroc.rr.com:
quote:
> Taken
> auto dealers and the like to the court and have not lost yet.
I returned a 1997 Yamaha GP1200 jetski to its nasty, incompetent dealer
after 6 months when they couldn't or wouldn't fix its problems. Of course,
unlike a "service" like cellular service, the consumer product came under
the Magnusson-Moss Warranty Protection Act (15USC50 section 2304)which
gives them 3 attempts or a "reasonable time" judges have set at 30 days to
fix what's wrong with it to the satisfaction of the CONSUMER, not them....
Luckily I had let them direct me into the bogus "Yamaha Credit Card", a
revolving charge account with Household Retail Services, the nastiest
consumer loan company on the planet. I got a few threatening letters until
I hired an attorney. They refused to "letter" him.
No matter how much we tried to get them to drag us into court, or ruin my
37 years of spotless credit, it never happened. The dealer sold the crappy
POS to some other sucker, I'm sure. It simply disappeared. We wanted them
in court because my attorney said he had his eye on some waterfront
property on the Atlantic Ocean and I wanted them to buy me a new c-class
Benz...dammit.
Let me look at the other posts to see if we can find anyone who has been
sued for that damned termination fee nonsense.....(c;
--
Larry
You know you've had a rough night when you wake up and your outlined in
chalk.
| |
| Larry W4CSC 2005-06-20, 6:55 am |
| "Fred" <agunat@yahoo.com> wrote in news:tYjte.768$up5.169@lakeread02:
quote:
> Generally it is easier for the provider to report you to the credit
> bureaus as delinquent on your obligations, that usually gets the
> customer's attention faster & gets the fee paid much faster.
>
> Fred
>
But, as I stated in my question, I'm looking for anyone who has been FORCED
to pay....not someone paying because of fear, their usual tactic. To date,
I've found NOONE!
Anyone been FORCED to pay? Let's hear your story!!
--
Larry
You know you've had a rough night when you wake up and your outlined in
chalk.
| |
|
|
"Fred" <agunat@yahoo.com> wrote in message
news:tYjte.768$up5.169@lakeread02...
quote:
> Generally it is easier for the provider to report you to the credit
bureaus
quote:
> as delinquent on your obligations, that usually gets the customer's
> attention faster & gets the fee paid much faster.
>
>
But then the fee would not get paid because its already on your report and
the damage is done. There is no way in hell they will remove it even if you
do pay. Been there, done that.
| |
|
|
"Larry W4CSC" <noone@home.com> wrote in message
news:Xns967ADE3B93FE
Fw4csc@63.223.7.253...
quote:
> "Fred" <agunat@yahoo.com> wrote in news:tYjte.768$up5.169@lakeread02:
>
>
> But, as I stated in my question, I'm looking for anyone who has been
FORCED
quote:
> to pay....not someone paying because of fear, their usual tactic. To
date,
quote:
> I've found NOONE!
>
> Anyone been FORCED to pay? Let's hear your story!!
Problem here is that they cant "force" you to pay. All they can do is get a
judgement against you which in a lot of states dont mean shit.
| |
|
| RM wrote:
quote:
> "Fred" <agunat@yahoo.com> wrote in message
> news:tYjte.768$up5.169@lakeread02...
>
> But then the fee would not get paid because its already
> on your report and the damage is done. There is no way in
> hell they will remove it even if you do pay. Been there,
> done that.
But a 30 day deliquent is less negative points than a
90 day deliquent which is less than a 120 day deliquent?
-Quick
| |
|
| It will not show as delinquent but as a collections which arent dated past
the initial entry. You might get a couple points for it being paid but not
many. A termination fee is a onetime assessment not a revolving monthly
charge so i dont think it could show as delinquent with day counts.
"Quick" <quick7135-news@NOSPAMyahoo.com> wrote in message
news:1119240129.99197@sj-nntpcache-3...
quote:
> RM wrote:
>
> But a 30 day deliquent is less negative points than a
> 90 day deliquent which is less than a 120 day deliquent?
>
> -Quick
>
>
| |
| Larry W4CSC 2005-06-20, 9:55 am |
| "RM" <rm@blah.blah> wrote in
news:5sqte.32060$yp5.29121@fe03.news.easynews.com:
quote:
> Been there, done that.
So, the only thing they "did" to you is attach to your credit report?
That won't stop you from getting a loan/credit card/etc., by the way.
--
Larry
You know you've had a rough night when you wake up and your outlined in
chalk.
| |
| The Ghost of General Lee 2005-06-20, 4:55 pm |
| On Sun, 19 Jun 2005 09:53:47 -0400, Larry W4CSC <noone@home.com>
wrote:
quote:
>Oh, this is gonna be a fun thread....(c;
Other than seeing you drag out the jet ski story again, the only fun
to be seen in this thread is why someone who *left* VZW and *had* to
pay their ETF would still be hanging around in the VZW group to answer
your question.
Maybe it would be better directed at VZW's competitors' groups.
| |
|
| Larry W4CSC wrote:
quote:
> "RM" <rm@blah.blah> wrote in
> news:5sqte.32060$yp5.29121@fe03.news.easynews.com:
>
>
> So, the only thing they "did" to you is attach to your
> credit report?
>
> That won't stop you from getting a loan/credit card/etc.,
> by the way.
It can effect the rate you're offered though. It's like getting
auto insurance with a DWI and a few chargeable accidents
on your recent DMV record.
-Quick
| |
| Larry W4CSC 2005-06-20, 4:55 pm |
| The Ghost of General Lee <ghost@general.lee> wrote in
news:9uvdb19ag0dovlr
5j5k4a7mv073t68mqg0@
4ax.com:
quote:
> Other than seeing you drag out the jet ski story again, the only fun
> to be seen in this thread is why someone who *left* VZW and *had* to
> pay their ETF would still be hanging around in the VZW group to answer
> your question.
>
> Maybe it would be better directed at VZW's competitors' groups.
>
Is there an answer to my question in there somewhere....or just the usual
attacks to prevent them from finding out the truth?...(c;
By the way, I was a Verizon customer...before that a GTE customer...before
that a Cellular One customer...before that the 6th cellular customer in
Charleston, SC on Cellular One of Charleston...before that a Dialpage IMTS
customer...before that a Bell$outh IMTS customer. I have never broken a
contract with anyone, including Verizon Wireless. There are lots of
previous Verizon customers reading, posting and lurking on this PUBLIC
newsgroup. If you don't want to read our posts and comments, I suggest you
go to some company sanitized love group off Usenet the company hacks can
content control. Then, you won't have to read anything bad about Verizon's
business practices...the lies, false ads, false coverage maps, etc.
Everything will be just peachy! But, don't try to censor the usenet group.
It isn't going to happen which is why we are all here, including you.
--
Larry
You know you've had a rough night when you wake up and your outlined in
chalk.
| |
| Larry W4CSC 2005-06-20, 4:55 pm |
| The Ghost of General Lee <ghost@general.lee> wrote in
news:9uvdb19ag0dovlr
5j5k4a7mv073t68mqg0@
4ax.com:
quote:
> Other than seeing you drag out the jet ski story again, the only fun
> to be seen in this thread is why someone who *left* VZW and *had* to
> pay their ETF would still be hanging around in the VZW group to answer
> your question.
>
> Maybe it would be better directed at VZW's competitors' groups.
>
Oh, I forgot. My question wasn't about Verizon. I was also asking Verizon
customers who had broken their contracts with other carriers, any other
carriers, if they had been FORCED to pay the termination fee.
More obviously, today, the answer is no.....
--
Larry
You know you've had a rough night when you wake up and your outlined in
chalk.
| |
|
| Larry W4CSC wrote:
quote:
> The Ghost of General Lee <ghost@general.lee> wrote in
> news:9uvdb19ag0dovlr
5j5k4a7mv073t68mqg0@
4ax.com:
>
>
> Oh, I forgot. My question wasn't about Verizon. I was
> also asking Verizon customers who had broken their
> contracts with other carriers, any other carriers, if
> they had been FORCED to pay the termination fee.
>
> More obviously, today, the answer is no.....
I'm still wrestling with what you mean by "FORCED"?
I get the impression that having your account sent to a
collection agency doesn't qualify? Are you looking for
someone that VZW went through a court action to be
paid? What are the chances of that? Bringing legal
action against individuals for $175 would not be a real
smart move by a multi million dollar company. It would
really piss off the courts and wouldn't be worth the negative
PR giving fodder to the likes of you.
I would think their goal would be to simply shove it to
a collection agency while making sure they marked your
credit. They recover some small percentage and remove
the individual from becoming a repeat customer in the
near future.
-Quick
| |
| Jerome Zelinske 2005-06-20, 4:55 pm |
| I guess if someone canceled one of their additional lines early, but
kept their primary line.
The Ghost of General Lee wrote:
quote:
> On Sun, 19 Jun 2005 09:53:47 -0400, Larry W4CSC <noone@home.com>
> wrote:
>
>
>
>
> Other than seeing you drag out the jet ski story again, the only fun
> to be seen in this thread is why someone who *left* VZW and *had* to
> pay their ETF would still be hanging around in the VZW group to answer
> your question.
>
> Maybe it would be better directed at VZW's competitors' groups.
>
| |
| The Ghost of General Lee 2005-06-20, 10:55 pm |
| On Mon, 20 Jun 2005 13:53:35 -0400, Larry W4CSC <noone@home.com>
wrote:
quote:
>The Ghost of General Lee <ghost@general.lee> wrote in
> news:9uvdb19ag0dovlr
5j5k4a7mv073t68mqg0@
4ax.com:
>
>
>Is there an answer to my question in there somewhere....or just the usual
>attacks to prevent them from finding out the truth?...(c;
No, Larry. No one is attacking you. And I can't recall ever doing it
myself. My suggestion was merely that you might get a more of a
response by posting it where ex-VZW customers are likely to hang out.
quote:
>By the way, I was a Verizon customer...before that a GTE customer...before
>that a Cellular One customer...before that the 6th cellular customer in
>Charleston, SC on Cellular One of Charleston...before that a Dialpage IMTS
>customer...before that a Bell$outh IMTS customer.
Yeah, yeah. Larry, we know. And I just passed my 10 year mark with
them dating all the way back to the BAM/BANM days. And I had a phone
on a GTE MN corporate account briefly in the early 90's after having
800Mhz trunked service (with telephone patch) for a few years before
that. We've both been around the block a few times. What's your
point?
quote:
>I have never broken a
>contract with anyone, including Verizon Wireless. There are lots of
>previous Verizon customers reading, posting and lurking on this PUBLIC
>newsgroup. If you don't want to read our posts and comments, I suggest you
>go to some company sanitized love group off Usenet the company hacks can
>content control. Then, you won't have to read anything bad about Verizon's
>business practices...the lies, false ads, false coverage maps, etc.
>Everything will be just peachy! But, don't try to censor the usenet group.
>It isn't going to happen which is why we are all here, including you.
Hey Larry, I'll give you $100 if you can point out where I've tried to
censor you in this thread. If anything, I've suggested a route where
you might get more answers to your question by posting it in
*additional* forums. Is that your definition of "censorship", Larry?
| |
| Quick 2005-06-20, 10:55 pm |
| The Ghost of General Lee wrote:
quote:
>
> No, Larry. No one is attacking you. And I can't recall
> ever doing it myself. My suggestion was merely that you
> might get a more of a response by posting it where ex-VZW
> customers are likely to hang out.
quote:
> Hey Larry, I'll give you $100 if you can point out where
> I've tried to censor you in this thread. If anything,
> I've suggested a route where you might get more answers
> to your question by posting it in *additional* forums.
> Is that your definition of "censorship", Larry?
Larry's tin foil hat is leaking. He will figure it out in a bit and
adjust it. When he does he will read a bit less into the
suggestions but we'll probably hear the story on removing
the chairs from the waiting room again... -;)
-Quick
| |
| The Ghost of General Lee 2005-06-20, 10:55 pm |
| On Mon, 20 Jun 2005 13:54:57 -0400, Larry W4CSC <noone@home.com>
wrote:
quote:
>The Ghost of General Lee <ghost@general.lee> wrote in
> news:9uvdb19ag0dovlr
5j5k4a7mv073t68mqg0@
4ax.com:
>
>
>Oh, I forgot. My question wasn't about Verizon. I was also asking Verizon
>customers who had broken their contracts with other carriers, any other
>carriers, if they had been FORCED to pay the termination fee.
>
The response basically remains the same. Why stop with just ONE
provider's group? Limiting the scope of the audience in such a way
brings an inherent bias into any results. Why not bless the entire
alt.cellular.* hierarchy with you poll?
Share the love, Larry;-)
(And I'd still like to see your results when you compile them.)
| |
| Larry W4CSC 2005-06-20, 10:55 pm |
| "Quick" <quick7135-news@NOSPAMyahoo.com> wrote in
news:1119290195.648523@sj-nntpcache-3:
quote:
> It can effect the rate you're offered though. It's like getting
> auto insurance with a DWI and a few chargeable accidents
> on your recent DMV record.
>
> -Quick
>
>
Personally, I think America could stand a very hard dose of poor credit
ratings. Debt is killing the young generation brainwashed by fast and easy
credit.
The rate is properly called "usury". We used to string them up for what
they are doing, now, back before 1900. Today, we've made it fashionable.
But, as you have noticed, not one single soul has said anything about being
FORCED to pay the termination fee to any company....in hot pursuit. It's
more companyspeak bullshit. Huge corporations don't worry about a few
hundred bucks....especially as huge as VZW. They don't even know you
exist. You're just a bacterium on an elephant's XXX. He can't see you.
--
Larry
You know you've had a rough night when you wake up and your outlined in
chalk.
| |
| Larry W4CSC 2005-06-20, 10:55 pm |
| The Ghost of General Lee <ghost@general.lee> wrote in
news:ikgeb1tda3n2iss
beiljusashi86i0tvvq@
4ax.com:
quote:
> My suggestion was merely that you might get a more of a
> response by posting it where ex-VZW customers are likely to hang out.
>
As I pointed out, this is about all cellular companies, not just VZW. This
is the most active newsgroup. Hell, we hardly have anyone post to Alltel.
--
Larry
You know you've had a rough night when you wake up and your outlined in
chalk.
| |
| Larry W4CSC 2005-06-20, 10:55 pm |
| "Quick" <quick7135-news@NOSPAMyahoo.com> wrote in
news:1119291809.102227@sj-nntpcache-3:
quote:
> Are you looking for
> someone that VZW went through a court action to be
> paid? What are the chances of that? Bringing legal
> action against individuals for $175 would not be a real
> smart move by a multi million dollar company. It would
> really piss off the courts and wouldn't be worth the negative
> PR giving fodder to the likes of you.
>
Precisely the point. But, the scare tactic seems to work quite well,
especially with the young and useless. It's the same companyspeak cable
companies use pointing out you're going to be prosecuted for stealing CNN.
The big elephant has no idea the bacterium customer even exists...or could
care less.
--
Larry
You know you've had a rough night when you wake up and your outlined in
chalk.
| |
| Larry W4CSC 2005-06-20, 10:55 pm |
| The Ghost of General Lee <ghost@general.lee> wrote in
news:qkheb151prpbqjr
57b54ktkjabu5evd70l@
4ax.com:
quote:
> So only true ex-VZW customers will count for much in what he's looking
> for.
>
>
Not so. Many VZW customers here are FORMER customers of the other
carriers, many of whom tagged them, or attempted to tag them with ETF. So,
it also pertains to VZW customers "in good standing" who may have been
hammered by the other carriers on their way over here. I posted it here
because this is the most active newsgroup and read by a wide variety of
other cell users.
--
Larry
You know you've had a rough night when you wake up and your outlined in
chalk.
| |
| Steve Sobol 2005-06-20, 10:55 pm |
| Larry W4CSC wrote:
quote:
>
> Personally, I think America could stand a very hard dose of poor credit
> ratings. Debt is killing the young generation brainwashed by fast and easy
> credit.
As someone who let credit get the best of him coming out of high school, I
would just like to wholeheartedly agree with you. Someone who manages money
the way I used to shouldn't have credit cards with $2,000 credit limits on
them, but I did.
quote:
> The rate is properly called "usury". We used to string them up for what
> they are doing, now, back before 1900. Today, we've made it fashionable.
I agree here too.
However, there are plenty of people who have good credit whose FICO score
would suffer pretty badly from having a collection or even a 90-day
delinquency on their account, and I still say that your insistence that they
just let it ride is foolish and irresponsible, even though you're not wrong
about the way credit is (mis)used these days.
quote:
> But, as you have noticed, not one single soul has said anything about being
> FORCED to pay the termination fee to any company....in hot pursuit.
Even if they sue and win, that's not a guarantee that you'll pay. But why go
through the hassle in the first place?
quote:
> more companyspeak bullshit. Huge corporations don't worry about a few
> hundred bucks....especially as huge as VZW. They don't even know you
> exist. You're just a bacterium on an elephant's XXX. He can't see you.
True.
--
JustThe.net - Steve Sobol / sjsobol@JustThe.net / PGP: 0xE3AE35ED
Coming to you from Southern California's High Desert, where the
temperatures are as high as the gas prices! / 888.480.4NET (4638)
"Life's like an hourglass glued to the table" --Anna Nalick, "Breathe"
| |
| Quick 2005-06-20, 10:55 pm |
| Steve Sobol wrote:
quote:
>
> However, there are plenty of people who have good credit
> whose FICO score would suffer pretty badly from having a
> collection or even a 90-day delinquency on their account,
> and I still say that your insistence that they just let
> it ride is foolish and irresponsible, even though you're
> not wrong about the way credit is (mis)used these days.
Yea, I'm pretty particular about maintaining my FICO
score (~830). It gets me a good number of special offers,
rates and services. I suppose if you were retired and
you're pretty much done with any financial changes it
might not matter much.
Larry again:[vbcol=darkred
]
>
Ahhh, I was just getting ready to ask about the agenda...
You're promoting a "just don't pay it" movement? Real
good Larry. Same thing for your federal taxes too right?
(my imagination is fired up now) Maybe it's a plan to "help"
the youth and money-management-challenged in this
country by ruining their credit and forcing them to deal
in cash up front? -- for their own good?
I am interested in hearing more though.
-Quick
| |
| The Ghost of General Lee 2005-06-21, 6:55 am |
| On Mon, 20 Jun 2005 19:29:15 -0400, Larry W4CSC <noone@home.com>
wrote:
quote:
>The Ghost of General Lee <ghost@general.lee> wrote in
> news:ikgeb1tda3n2iss
beiljusashi86i0tvvq@
4ax.com:
>
>
>As I pointed out, this is about all cellular companies, not just VZW.
And that said as both an afterthought and amidst your prior comments
about not caring about how an account in collections would/could
affect one's credit rating. And I believe that was in response to a
VZW experience. Please don't make me dredge that thread up again. I
think I actually took up for you on a point you brought up in it.
quote:
>This
>is the most active newsgroup. Hell, we hardly have anyone post to Alltel.
Some people feel they need an invitation to post. Think your poll
could accomplish that? And why do you save all of your "long
threaders" for us (when you aren't even a VZW customer anymore), then
complain because there's no traffic in the group for the company you
chose? And so why not post it in Sprint's, Cingular's, or Nextel's
groups? I know there's traffic in those groups. I'm sure you could
get some long threads going in one of them.
Until you show some effort to pull your data from more than one
company's newsgroup, and considering your views as you have previously
posted, I couldn't consider your "poll" anything more than a slanted
hit piece against VZW.
As I previously said, I honestly would like to see a compilation of
your results when you get them. Just ask a wider audience.
| |
| Larry W4CSC 2005-06-21, 6:55 am |
| "Quick" <quick7135-news@NOSPAMyahoo.com> wrote in
news:1119311492.373867@sj-nntpcache-5:
quote:
> You're promoting a "just don't pay it" movement?
Where'd I say that??
--
Larry
You know you've had a rough night when you wake up and your outlined in
chalk.
| |
| Larry W4CSC 2005-06-21, 6:55 am |
| "Quick" <quick7135-news@NOSPAMyahoo.com> wrote in
news:1119308404.622382@sj-nntpcache-3:
quote:
> Larry's tin foil hat is leaking. He will figure it out in a bit and
> adjust it. When he does he will read a bit less into the
> suggestions but we'll probably hear the story on removing
> the chairs from the waiting room again... -;)
>
> -Quick
>
>
Well, it was interesting while it lasted....before the childish attacks
commenced.
As the kiddie krappers in the sand box continue to flail away, as usual, it
is interesting to note that noone posted any story about being FORCED to
pay an early termination fee....as I suspected.
Ok, back in the sandbox....gimme the goddamned truck!
--
Larry
You know you've had a rough night when you wake up and your outlined in
chalk.
| |
|
| Larry W4CSC wrote:
quote:
> "Quick" <quick7135-news@NOSPAMyahoo.com> wrote in
> news:1119311492.373867@sj-nntpcache-5:
>
>
> Where'd I say that??
You didn't. You did cut out my question though:
What is your agenda with this poll??
You keep making exclaimations to the effect
of "as I expected". Where are you going with
this? Care to share?
-Quick
| |
|
| Larry W4CSC wrote:
quote:
>
> As the kiddie krappers in the sand box continue to flail
> away, as usual, it is interesting to note that noone
> posted any story about being FORCED to pay an early
> termination fee....as I suspected.
WHAT!? What's interesting to note?
What's your point here Larry? Where are you going with
this? I honestly don't know.
-Quick
| |
| David L 2005-06-21, 6:55 am |
|
Quick wrote:
quote:
> Larry W4CSC wrote:
>
> I'm still wrestling with what you mean by "FORCED"?
> I get the impression that having your account sent to a
> collection agency doesn't qualify?
I've been thinking about what it means to "force" someone to do
something. It appears there is little if nothing that another can be
"forced" to do. I think compelled is a better term.
Even holding a gun to someone's head or putting them in jail may not
"force" them to do something. Those might be more compelling reasons to
perform the requested action, than putting a note of collections on
their credit record.
An entity could "take" the money by garnishing wages, putting a lean on
or reposessing some property. I suppose that's as close to forcing a
payment as anything.
So it seems, when we make "stupid" or not so stupid agreements in
contracts and then break them, the other party has varying levels of
recourse. Verizon has already set a price on what it costs to break a
contract, $175. That's a compelling reason to keep the agreement for
some. Then the compelling reason to pay the $175 is the tarnish on
one's credit record.
With the value most people put on maintaining the best credit possible,
that seems like a good reason to pay the ETF. Credit negatives have a
way of staying around for a long time. Some credit problems are an
excuse to get charged higher loan/credit rates.
Now I'm not sure what the real consequences of a collection on a credit
report are and under what circumstances it might cause getting charged
more for other credit?
There's several choices... keep the agreement, pay $175 or have a
record attached to one's credit report, with unknown negative credit
consequences for years.
A good question to ask would be... how did not paying the ETF effect
one's credit score and did it change subsequent credit/loan/mortages
rates or other opportunities? Any volunteers?
But it's nice to know that nobody can force me to pay the ETF:)
-
David
| |
| David L 2005-06-21, 6:55 am |
|
Quick wrote:
quote:
> Larry W4CSC wrote:
>
> I'm still wrestling with what you mean by "FORCED"?
> I get the impression that having your account sent to a
> collection agency doesn't qualify?
I've been thinking about what it means to "force" someone to do
something. It appears there is little if nothing that another can be
"forced" to do. I think compelled is a better term.
Even holding a gun to someone's head or putting them in jail may not
"force" them to do something. Those might be more compelling reasons to
perform the requested action, than putting a note of collections on
their credit record.
An entity could "take" the money by garnishing wages, putting a lean on
or reposessing some property. I suppose that's as close to forcing a
payment as anything.
So it seems, when we make "stupid" or not so stupid agreements in
contracts and then break them, the other party has varying levels of
recourse. Verizon has already set a price on what it costs to break a
contract, $175. That's a compelling reason to keep the agreement for
some. Then the compelling reason to pay the $175 is the tarnish on
one's credit record.
With the value most people put on maintaining the best credit possible,
that seems like a good reason to pay the ETF. Credit negatives have a
way of staying around for a long time. Some credit problems are an
excuse to get charged higher loan/credit rates.
Now I'm not sure what the real consequences of a collection on a credit
report are and under what circumstances it might cause getting charged
more for other credit?
There's several choices... keep the agreement, pay $175 or have a
record attached to one's credit report, with unknown negative credit
consequences for years.
A good question to ask would be... how did not paying the ETF effect
one's credit score and did it change subsequent credit/loan/mortages
rates or other opportunities? Any volunteers?
But it's nice to know that nobody can force me to pay the ETF:)
-
David
| |
| Steve Sobol 2005-06-21, 6:55 am |
| Larry W4CSC wrote:
quote:
> Well, it was interesting while it lasted....before the childish attacks
> commenced.
I didn't attack you (your position, perhaps; not you personally), and I
agreed with some of the points you made in the post to which I replied. Any
particular reason you didn't answer?
--
JustThe.net - Steve Sobol / sjsobol@JustThe.net / PGP: 0xE3AE35ED
Coming to you from Southern California's High Desert, where the
temperatures are as high as the gas prices! / 888.480.4NET (4638)
"Life's like an hourglass glued to the table" --Anna Nalick, "Breathe"
| |
|
| No it wont. Thats why I dont worry about their silly little fee. I dont know
about other states but in Texas they cant "force" you to pay it.
"Larry W4CSC" <noone@home.com> wrote in message
news:Xns967B4D7D9F2B
Aw4csc@63.223.7.253...
quote:
> "RM" <rm@blah.blah> wrote in
> news:5sqte.32060$yp5.29121@fe03.news.easynews.com:
>
>
> So, the only thing they "did" to you is attach to your credit report?
>
> That won't stop you from getting a loan/credit card/etc., by the way.
>
> --
> Larry
>
> You know you've had a rough night when you wake up and your outlined in
> chalk.
>
| |
|
| Just a quick note about your credit score. According to Kiplinger's
magazine... your score IMPROVES if you have credit cards with large limits
on them that you do not use. I always thought that you should close a
credit card if you don't use it - but that's not true. When calculating
your credit score ONE of the factors is the ratio of unsecured credit limit
to unsecured credit used. If you have a CC with 10K available and you have
used 3K of that limit, you get a better score than if you had no CC and no
CC debt.
| |
|
| JEB wrote:
quote:
> Just a quick note about your credit score. According to
> Kiplinger's magazine... your score IMPROVES if you have
> credit cards with large limits on them that you do not
> use. I always thought that you should close a credit
> card if you don't use it - but that's not true. When
> calculating your credit score ONE of the factors is the
> ratio of unsecured credit limit to unsecured credit used.
> If you have a CC with 10K available and you have used 3K
> of that limit, you get a better score than if you had no
> CC and no CC debt.
Yea, but I think if you have 5 of those it goes down due
to the instantaneous credit you have available. They're
worried that you will get a loan/credit and then go buy
a yacht with your credit cards and not be able to cover
it.
-Quick
| |
| Jeff P 2005-06-21, 4:55 pm |
|
"JEB" <berndt at berndtmd dot com> wrote in message
news:w-2dnadwGpiVnyXfRVn-vg@speakeasy.net...
quote:
> Just a quick note about your credit score. According to Kiplinger's
> magazine... your score IMPROVES if you have credit cards with large limits
> on them that you do not use. I always thought that you should close a
> credit card if you don't use it - but that's not true. When calculating
> your credit score ONE of the factors is the ratio of unsecured credit
> limit to unsecured credit used. If you have a CC with 10K available and
> you have used 3K of that limit, you get a better score than if you had no
> CC and no CC debt.
>
You are correct. Although some creditors look at this differently than
others, I have found that somehow I am up to nearly $20,000 in credit limits
on various cards because they are all jelous of each other and keep raising
my limits or lowering my rates to try to get all of my balances moved over
to their card.
What is insane is that just prior to this I only had two credit cards, one
of which was a discover card that was maxed out. Suddenly some merchant
screwed me over by running the card number that they saved on file without
my permission for a service I had canceled. This pushed it over the limit,
which resulted in all kinds of fees and before I knew it the rates had
jumped to 22.74% on my entire balance. Various things happened all at the
same time and the result was a total mess in which I was basically paying
the internest and would never pay the card off.
I talked to somebody at Discover Card who said he would lower the rate to
16.99% because it wasn't my fault that it was pushed over the limit.
However, he never actually did this and when I tried to hold them to the
offer they refused. So, I transferred the balance to a new account at my
local credit union which only agreed to take it if I sign letters that they
would forward to both of my previous card companies to have the accounts
closed. (They didn't want me to have more available credit than what I had
already used.)
Well it turns out they took the balance but the other two companies
completely ignored the letters and left the accounts open. In fact, discover
card called me requesting that I give them the balance back at a much lower
rate. I refused because they were such a hassle, despite it possibly saving
me money. In talking to them, they begged so hard that they finally agreed
to take the full balance at 0% APR for life until it is paid off. That was
the offer I couldn't refuse. I quit paying all interest, and 100% of the
monthly payment goes toward paying down the debt.
What's absolutely silly is that shortly after the new credit union account
showed a high balance of a few thousand and then showed being paid off
shortly afterwards on my credit report, and I now have a lot more available
credit than I did before so the porportion of balances to limits is reduced,
my credit score went way up. Now everybody is offering me credit and they
keep trying to out do each other. Even Discover Card doubled my limits and
wants me to transfer another balance to them, but I know better since the 0%
interest balance would be paid off last if I do that.
I could charge most of my mortgage balance to my credit cards if I wanted to
at this point. The whole world is insane.
Oh, and I refused to pay a Nextel early termination fee citing that they had
not upheld the terms of their contract. They refused to believe me and sent
me to collections agencies, etc. etc. etc. It never showed up on my credit
report and I never paid it.
But then again... I don't think I ever got my $200 deposit back. So that
probably explains why. GRRR!!!!
-Jeff
| |
| Isaiah Beard 2005-06-21, 10:55 pm |
| Elector wrote:
quote:
> She after receiving and looking at the documents called back to say
> that she believed I had a valid point of not paying and told her
> client that. it never appeared in my credit profile and it has never
> harmed me from getting service any where else.
Wow, I'm surprised. That's the first instance I've ever heard of where
a bill collector has actually admitted to the alleged debtor having a
valid point. Most simply don't care if your point is valid or not; they
generally are only interested in harrassing you to the point where you
give in and pay.
--
E-mail fudged to thwart spammers.
Transpose the c's and a's in my e-mail address to reply.
| |
| Isaiah Beard 2005-06-21, 10:55 pm |
| RM wrote:
quote:
>
> Problem here is that they cant "force" you to pay. All they can do is get a
> judgement against you which in a lot of states dont mean shit.
Actually, it depends on how far the creditor is willing to go. If they
are really that motivated, they can hire a process server (or do it
themselves if they're really that inclined) who then serves the right
paperwork to a sherrif (or constable depending on state). They in turn
can go so far as to serve similar papers to your employer - that is, if
you are gainfully employed - and then have wages garnished.
http://tinyurl.com/8cfwh
Going the whole nine yards however, doesn't pay off unless the amount to
be collected is huge. As a result, it doesn't happen too often.
--
E-mail fudged to thwart spammers.
Transpose the c's and a's in my e-mail address to reply.
| |
| Larry W4CSC 2005-06-21, 10:55 pm |
| "Quick" <quick7135-news@NOSPAMyahoo.com> wrote in
news:1119319824.684487@sj-nntpcache-5:
quote:
> What is your agenda with this poll??
I'll play with your attempt at a flamewar a little longer....(sigh)
My agenda is to show that all this fear mongering we've seen in the
newsgroup about termination fees is pure company bullshit. I know you
won't like that, you being a company man and all, but as you can see there
hasn't been any posts, except the usual bullshit posts like yours.
quote:
> You keep making exclaimations to the effect
> of "as I expected". Where are you going with
> this? Care to share?
>
I didn't expect to find anyone who got FORCED into paying. I haven't read
the rest of the torrent of flame bullshit posts, yet, but none has shown up
so far...
I'm not "going anywhere". I just wanted to see if anyone would post their
REAL experience. Sorry if, as always, I ruffled your pro-company feathers.
What's YOUR agenda, attacking everyone who may ask something the company
might not like? What's your concern?
--
Larry
Your turn....(sigh)
| |
| Larry W4CSC 2005-06-21, 10:55 pm |
| "David L" <davlindi@hotmail.com> wrote in
news:1119322329.757676.31620@z14g2000cwz.googlegroups.com:
quote:
> An entity could "take" the money by garnishing wages, putting a lean on
> or reposessing some property. I suppose that's as close to forcing a
> payment as anything.
>
>
Not in SC and many other states.....doesn't wash.
--
Larry
You know you've had a rough night when you wake up and your outlined in
chalk.
| |
| Larry W4CSC 2005-06-21, 10:55 pm |
| Isaiah Beard < sacredpoet@sacredpoe
t.com> wrote in
news:11bgr73lpklt894
@corp.supernews.com:
quote:
> They in turn
> can go so far as to serve similar papers to your employer - that is, if
> you are gainfully employed - and then have wages garnished.
>
Not in SC and many other states....They have no power over your money,
here. Only a judge can order it.
--
Larry
You know you've had a rough night when you wake up and your outlined in
chalk.
| |
| Quick 2005-06-21, 10:55 pm |
| Larry W4CSC wrote:
quote:
> "Quick" <quick7135-news@NOSPAMyahoo.com> wrote in
> news:1119319824.684487@sj-nntpcache-5:
>
>
> I'll play with your attempt at a flamewar a little
> longer....(sigh)
> My agenda is to show that all this fear mongering we've
> seen in the newsgroup about termination fees is pure
> company bullshit. I know you won't like that, you being
> a company man and all, but as you can see there hasn't
> been any posts, except the usual bullshit posts like
> yours.
>
>
> I didn't expect to find anyone who got FORCED into
> paying. I haven't read the rest of the torrent of flame
> bullshit posts, yet, but none has shown up so far...
>
> I'm not "going anywhere". I just wanted to see if anyone
> would post their REAL experience. Sorry if, as always, I
> ruffled your pro-company feathers.
>
> What's YOUR agenda, attacking everyone who may ask
> something the company might not like? What's your
> concern?
No. I'm sure VZW couldn't possibly care about you asking
the question or the results. I can't see how this would be
specific to VZW anyway? I'm pretty sure that all the carriers
have ETFs. I know that Cingular does -- I paid it. What you
HAVEN'T answered yet is... WHAT'S YOUR POINT? You
seem to be starting off with some bizzare premise that there
is some abnormal "fear" about not paying the ETF in this group.
Is it any different in any other group? Do people routinely not
pay the ETF elsewhere but do so out of fear here?
What do you suppose most normal people expect to happen
if they default for some amount around a couple of hundred
dollars -- for ANYTHING (not just VZW or any wireless service)?
I'll tell you what my expectation is. Probably end up on my
credit report and *maybe* with a collection agency....
"Fear mongering"? Is that what you call "fear mongering"?
Do you think anyone expects any worse than that to happen?
I don't suppose it would be as exciting for you to ask
"What do you think will happen if you don't pay the ETF?"
I would expect 95% to respond with my answer.
I am actually suprised/disappointed that this was your
point. I was expecting something a bit more "interesting".
Where did you ever get the impression that there was some
abnormal "fear" of not paying the ETF? I don't see any
more "fear" of not paying the ETF than people have of
not paying their credit card bill, or sears bill, or the dinner
tab at a restaraunt.
Sure people don't like paying the ETF if they decide to
break their contract and I'm all for skirting it using any
honest means. But most people who are not financially
fixed for the rest of their lives actually care about their
FICO. And from what I've heard here that is what is
effected. Not fear, fact.
It might even surprise you how many people actually
have some integrity in that they figure they signed a
contract so they should feel obligated to honor the
terms of the agreement. They might not like doing it
but they do it because it's the right thing to do because
they voluntarily agreed to it.
So now that it seems that no one has met your definition
of being "FORCED" to pay the ETF, what is your conclusion?
What is your recommendation?
-Quick
| |
|
|
"Larry W4CSC" <noone@home.com> wrote in message
news:Xns967CC6FEFE96
5w4csc@63.223.7.253...
quote:
> "Quick" <quick7135-news@NOSPAMyahoo.com> wrote in
> news:1119319824.684487@sj-nntpcache-5:
>
>
> I'll play with your attempt at a flamewar a little longer....(sigh)
> My agenda is to show that all this fear mongering we've seen in the
> newsgroup about termination fees is pure company bullshit. I know you
> won't like that, you being a company man and all, but as you can see there
> hasn't been any posts, except the usual bullshit posts like yours.
>
>
> I didn't expect to find anyone who got FORCED into paying. I haven't read
> the rest of the torrent of flame bullshit posts, yet, but none has shown
up
quote:
> so far...
>
> I'm not "going anywhere". I just wanted to see if anyone would post their
> REAL experience. Sorry if, as always, I ruffled your pro-company
feathers.
quote:
>
> What's YOUR agenda, attacking everyone who may ask something the company
> might not like? What's your concern?
>
> --
> Larry
>
> Your turn....(sigh)
So sorry to see you portray yourself as someone incapable of living up to
his word. Your very lame attempt at being a messaih for the masses really
shows that your only concern is for yourself and at the expense of others.
Keep posting that ETF's shouldn't or don't have to be paid. After all, the
cellcos would never find another way to replace the revenue, and maybe
spread to the entire customer base as opposed to that small percentage that
break the contract they signed. They would never severely reduce the phone
subsidies to reduce the losses, again at the expense of all customers and
not just those who don't have the integrity to fulfill their obligations.
Your own thread has provided instances where the cellco has worked with the
customer and waived the ETF when applicable. You are the worst kind of
customer a business could have- one that thinks that he always has the
business by the balls. The problem- you also exhibit a very childlike view
of the real world. The contract states that an ETF can be applied if the
customer cancels without cause during the contract period. The fact that
you don't like it doesn't lessen the legality of that clause, and your
supposed knowledge of radio technology should also tell you the real meaning
of 'fit for purpose'. Come up for air and join the rest of the race.
| |
| The Ghost of General Lee 2005-06-22, 4:55 pm |
| On Tue, 21 Jun 2005 19:34:36 -0400, Larry W4CSC <noone@home.com>
wrote:
quote:
>"David L" <davlindi@hotmail.com> wrote in
>news:1119322329.757676.31620@z14g2000cwz.googlegroups.com:
>
>
>Not in SC and many other states.....doesn't wash.
Larry, under South Carolina law, a lien may placed against *real*
property within the state, but collection doesn't happen until
transfer of the property.
I just went through this with a friend who bought a house last year in
Pelzer. The previous owner owed his dentist about $900 from several
years ago. The dentist got a judgment against the owner and had a
lien placed against his home. At closing, a check was cut for the
dentist for the judgment amount, plus statutory interest.
| |
| Elector 2005-06-22, 4:55 pm |
|
"Isaiah Beard" < sacredpoet@sacredpoe
t.com> wrote in message
news:11bgqqm3vs2go85
@corp.supernews.com...
quote:
> Elector wrote:
>
>
> Wow, I'm surprised. That's the first instance I've ever heard of where a
> bill collector has actually admitted to the alleged debtor having a valid
> point. Most simply don't care if your point is valid or not; they
> generally are only interested in harrassing you to the point where you
> give in and pay.
>
>
> --
> E-mail fudged to thwart spammers.
> Transpose the c's and a's in my e-mail address to reply.
Collectors as a rule may *harass* you to no end. It is illegal in most if
not all states. In this case I saved all my invoices and letters I had
written, names and telephone numbers and date and times of all calls, as
well as the original sign up "contract" which did not carry over from year
to year.
Collectors are prone to send a letter stating if this debt is not valid or
if you are uncertain of the debt or any portion thereof then they have to
investigate. They can not report you as delinquent while they do this, nor
make any reports to a credit bureau. For the record only the "Creditor" can
make a credit reporting entry. Not a collections agency. In the Fair Debt
Collections Practices Act it mentions this proviso. You can sue a collector
out of business for such acts.
The other way to get the "creditors" attention is to sue them in court. "Do
Not Agree to any Arbitration Clause" since you do not have the same rights
as in a court case. If you see the clause write to the creditor and state
(Return Receipt) that you do not agree to that term. Make sure it is entered
on your account.
Elector
| |
| Traveling Man 2005-06-22, 4:55 pm |
| On Tue, 21 Jun 2005 19:34:36 -0400, Larry W4CSC wrote:
quote:
> "David L" <davlindi@hotmail.com> wrote in
> news:1119322329.757676.31620@z14g2000cwz.googlegroups.com:
>
>
> Not in SC and many other states.....doesn't wash.
Actually, in PA a merchant can file a civil claim in magistrate's court for
the money due. If they win and you don't pay within 30 days another process
could be set into place where a sheriff or constable can seize your personal
property and sell it at auction to pay the debt.
In PA personal property also includes pets, wedding rings, etc.
| |
| Steve Sobol 2005-06-22, 4:55 pm |
| Elector wrote:
quote:
> Collectors are prone to send a letter stating if this debt is not valid or
Collectors are *required* to send such letters.
--
JustThe.net - Steve Sobol / sjsobol@JustThe.net / PGP: 0xE3AE35ED
Coming to you from Southern California's High Desert, where the
temperatures are as high as the gas prices! / 888.480.4NET (4638)
"Life's like an hourglass glued to the table" --Anna Nalick, "Breathe"
| |
| Elector 2005-06-22, 4:55 pm |
|
"Steve Sobol" <sjsobol@JustThe.net> wrote in message
news:d9c47l$c45$1@ra
tbert.glorb.com...
quote:
> Elector wrote:
>
>
> Collectors are *required* to send such letters.
>
>
>
> --
> JustThe.net - Steve Sobol / sjsobol@JustThe.net / PGP: 0xE3AE35ED
> Coming to you from Southern California's High Desert, where the
> temperatures are as high as the gas prices! / 888.480.4NET (4638)
>
> "Life's like an hourglass glued to the table" --Anna Nalick, "Breathe"
Ahh I stand corrected. However many say they sent a letter and just call and
harass you. Six of one half dozen of the other.
Elector
| |
| Larry W4CSC 2005-06-23, 6:55 am |
| The Ghost of General Lee <ghost@general.lee> wrote in
news:a5oib15vfjqso4j
qj3pocu8e0lq31r7nf1@
4ax.com:
quote:
> Larry, under South Carolina law, a lien may placed against *real*
> property within the state, but collection doesn't happen until
> transfer of the property.
>
People living in an apartment or living in a mobile home don't have any
real estate to attach the lein to. Personal property, which is what the
mobile home is like a car, isn't "real". If they are hard up for the ETF,
the car isn't worth stealing anyways.
The carriers know all this, I'm sure...(c; "You can't get blood out of a
stone.", as my attorney puts it...(c;
--
Larry
You know you've had a rough night when you wake up and your outlined in
chalk.
| |
| The Ghost of General Lee 2005-06-23, 6:55 am |
| On Wed, 22 Jun 2005 22:37:55 -0400, Larry W4CSC <noone@home.com>
wrote:
quote:
>The Ghost of General Lee <ghost@general.lee> wrote in
> news:a5oib15vfjqso4j
qj3pocu8e0lq31r7nf1@
4ax.com:
>
>
>People living in an apartment or living in a mobile home don't have any
>real estate to attach the lein to. Personal property, which is what the
>mobile home is like a car, isn't "real". If they are hard up for the ETF,
>the car isn't worth stealing anyways.
Uh, no shit, Larry. Remember when I said a lien couldn't be put on
that trailer of yours? I put the word "real" between the asterisks
for a reason.
quote:
>The carriers know all this, I'm sure...(c; "You can't get blood out of a
>stone.", as my attorney puts it...(c;
Then you don't have the right attorney. I'm in the process of slowly
bleeding a stone now.
| |
| Steve Sobol 2005-06-23, 6:55 am |
| The Ghost of General Lee wrote:
quote:
>
> Then you don't have the right attorney. I'm in the process of slowly
> bleeding a stone now.
Been there, done that; got screwed out of $3,500 by someone I did work for,
and she managed to wriggle out of paying for quite some time, but I sued in
Cleveland Municipal Court and by the time we were done collecting, the
interest had accrued to the point where I actually got just about every cent
of the $3,500 *AFTER* paying 30% of the total collected to a law firm to
collect on the judgement. :) (with interest it ended up being close to $5,000)
http://www.kpflaw.com/ if anyone cares. They work their asses off for their
clients. They sure did well for me and they are worth *every* cent I paid
them (and more).
--
JustThe.net - Steve Sobol / sjsobol@JustThe.net / PGP: 0xE3AE35ED
Coming to you from Southern California's High Desert, where the
temperatures are as high as the gas prices! / 888.480.4NET (4638)
"Life's like an hourglass glued to the table" --Anna Nalick, "Breathe"
| |
|
| The Ghost of General Lee wrote:
quote:
> On Wed, 22 Jun 2005 22:37:55 -0400, Larry W4CSC
> <noone@home.com> wrote:
>
>
> Uh, no shit, Larry. Remember when I said a lien couldn't
> be put on that trailer of yours? I put the word "real"
> between the asterisks for a reason.
>
>
> Then you don't have the right attorney. I'm in the
> process of slowly bleeding a stone now.
So Larry still hasn't made his point yet...
and he hasn't answered Steve
and he hasn't answered you
I think we're homing in on it though. (I really didn't think
Larry needed to troll for attention). We're going to drag
out this "poll" for another week or so before he makes
some profound statement/conclusion. and what will that
be Larry?
Is it that: since VZW has never, and will not, FORCE anyone
to pay the ETF, AND if you don't care about your credit,
you can simply terminate your contract and forget about
the ETF?
You must have had some sort of credit to get post pay
service in the first place so I suppose this would
be when you hit bottom? The best you can come up
with for your "last dance" is to default on $175?
-Quick
|
|
|
|
|