Random Jibber Jabber Thread

[UncleBuck]

so i used to have a credit card from MBNA, now BoA.

had about 5k on it when it switched from MBNA to BoA and got all fucky. out of nowhere, they sprung an annual fee on me. since that was not part of the terms, i closed the account. it was at that point that they mysteriously stopped getting my monthly payments, even though the site showed my log in times (same day each month) and the account i was paying from showed that the payments had been authorized.

i suspected that it was just BoA up to their normal fuckery to collect more late fees. so i told them that i would settle the debt for about what i had on hand at the time, $2k or so. they told me that i had to be way behind on my payments to settle.*

so i asked them if they wanted to settle then and there for the $2k, or spend tons of time and money sending my account to this collection agency and that one at their expense only to have the same thing happen. they chose the more expensive and circuitous route.

so it's been a few years and i thought they had given up on me. collection calls have stopped for over a year now. i open my mailbox today and there's a settlement offer: $2,200 and the debt is settled.

they can shove it up their ass. i'll hold out for a lower number.

i fucking hate BoA.

 

[Figong]

so i used to have a credit card from MBNA, now BoA.

had about 5k on it when it switched from MBNA to BoA and got all fucky. out of nowhere, they sprung an annual fee on me. since that was not part of the terms, i closed the account. it was at that point that they mysteriously stopped getting my monthly payments, even though the site showed my log in times (same day each month) and the account i was paying from showed that the payments had been authorized.

i suspected that it was just BoA up to their normal fuckery to collect more late fees. so i told them that i would settle the debt for about what i had on hand at the time, $2k or so. they told me that i had to be way behind on my payments to settle.*

so i asked them if they wanted to settle then and there for the $2k, or spend tons of time and money sending my account to this collection agency and that one at their expense only to have the same thing happen. they chose the more expensive and circuitous route.

so it's been a few years and i thought they had given up on me. collection calls have stopped for over a year now. i open my mailbox today and there's a settlement offer: $2,200 and the debt is settled.

they can shove it up their ass. i'll hold out for a lower number.

i fucking hate BoA.

Call `em and just explain you offered 2k years ago, they weren't happy with that.. and now you've dropped it by a cumulative 5% every 3 months.. 2000 * .4 = what they get, and they can stfu.

 

[UncleBuck]

Call `em and just explain you offered 2k years ago, they weren't happy with that.. and now you've dropped it by a cumulative 5% every 3 months.. 2000 * .4 = what they get, and they can stfu.

LOL!

that would be funny.

i might just never pay them since they tried to fuck me (and sooooo many others) around.*

i still have one credit card with citi that i am almost done paying off. the card itself is frozen in a block of ice in my freezer.

 

[Bear Country]

so i used to have a credit card from MBNA, now BoA.

had about 5k on it when it switched from MBNA to BoA and got all fucky. out of nowhere, they sprung an annual fee on me. since that was not part of the terms, i closed the account. it was at that point that they mysteriously stopped getting my monthly payments, even though the site showed my log in times (same day each month) and the account i was paying from showed that the payments had been authorized.

i suspected that it was just BoA up to their normal fuckery to collect more late fees. so i told them that i would settle the debt for about what i had on hand at the time, $2k or so. they told me that i had to be way behind on my payments to settle.*

so i asked them if they wanted to settle then and there for the $2k, or spend tons of time and money sending my account to this collection agency and that one at their expense only to have the same thing happen. they chose the more expensive and circuitous route.

so it's been a few years and i thought they had given up on me. collection calls have stopped for over a year now. i open my mailbox today and there's a settlement offer: $2,200 and the debt is settled.

they can shove it up their ass. i'll hold out for a lower number.

i fucking hate BoA.

Ya you can get that number down ...but your credit will end up in the shitter....of course at this point it really does not matter.....its been over a year....and one other thing......they never give up...they will sell out your acct to some other agency and the circus act will continue.....

 

[Figong]

LOL!

that would be funny.

i might just never pay them since they tried to fuck me (and sooooo many others) around.*

i still have one credit card with citi that i am almost done paying off. the card itself is frozen in a block of ice in my freezer.

Good idea with the frozen card! And yes, if you never paid them back.. that may be more than a small bit of a credit rating hit - depending on the rest of your payment history.. which for the time being I will assume is at least 'good'.

 

[match box]

Howdy yall.....listen...sorry to cut in here...I didnt even go back and read the current event on jibber jabber but I have a situation on my hands. I had a really fucked up day today. Let me fill you in...I need some input on this....I know many of you are attending college...or have attended college..etc....my little lady is telling me what I need right now is a road trip to let my blood pressure settle down. So today I get a call from the university where my son is attending....it was his advisor.....now when we enrolled him, I had him sign the FERPA...which allows us access to his doings....after all I'm paying for it...I want to know what this guy is doing. Well mid terms just came out.....his advisor calls me and tells me there is a problem.....he is failing every single course....he did just fine his first semester....further more she tells me that he will have to withdraw because he is just so far behind...he just cannot recover......needless to say I came FUCKEN UNGLUED.....I have been so freaken pissed off today....its been horrible. So I text my son and tell him we need to talk....I inform him that I know the results of his mid terms.....I didnt hear back from him till just a bit ago....telling me that he cant come home till he knows that I have cooled down......thats because he knows I want to shove my size 12s so far up his posterior that he might have to have them surgically removed....I am super angry...I feel betrayed, angry....hurt...I dont know what all I feel....but for the last two months this guy has gotten out of bed , left the house and driven supposedly to school....we are thirty miles from campus....problem with that little story is the reason he is failing is because he has not been attending class.....I'm old school guys....i have done a relative good job making adjustments to accomadate this young generation but this is totally unacceptable in my book.....I am going to post this ....I will not respond to your feed back right away...I want to read yalls thoughts on this first.....sorry to unload this SHIT on you guys.....but perhaps perspective from others might help me see things differently... I dont want to do something I might regret later on...Thanks

I would feel the same way pissed off. It sounds like he will have to withdraw for this semester so he will need to get a job right away flipping burgers or what ever but work. If he wants to go back maybe he needs to help pay like a matching funds or something and if his grades go up and stay then maybe you will pay the whole thing again.

 

[UncleBuck]

Good idea with the frozen card! And yes, if you never paid them back.. that may be more than a small bit of a credit rating hit - depending on the rest of your payment history.. which for the time being I will assume is at least 'good'.

it was at 630~ before this, which is not great, but i have almost no use for credit. the only reason i'm even humoring this anymore is because it might affect us when we buy a home in a couple years. but even then, the wife is fucking loaded, but not all of it is liquid. not sure what her credit score is.

a few friends i had in AZ did strategic defaults on their homes after the crash and had their credit rating back to normal pretty quickly, so i hold out some hope. but i've also seen people with no derogatory credit have lower scores, so there's also that.

 

[UncleBuck]

wow, just looked and the average credit score is 711. and 680 is the new 620 for getting a loan, although i bet that's even higher right now with credit being so tight out there.

 

[slowbus]

wow, just looked and the average credit score is 711. and 680 is the new 620 for getting a loan, although i bet that's even higher right now with credit being so tight out there.

whats a good way to check my credit?I was thinking of trying to get a loan from my bank.I have no idea about that shit.I haven'y had a loan in over 20 years.

 

[Granny weed]

Howdy yall.....listen...sorry to cut in here...I didnt even go back and read the current event on jibber jabber but I have a situation on my hands. I had a really fucked up day today. Let me fill you in...I need some input on this....I know many of you are attending college...or have attended college..etc....my little lady is telling me what I need right now is a road trip to let my blood pressure settle down. So today I get a call from the university where my son is attending....it was his advisor.....now when we enrolled him, I had him sign the FERPA...which allows us access to his doings....after all I'm paying for it...I want to know what this guy is doing. Well mid terms just came out.....his advisor calls me and tells me there is a problem.....he is failing every single course....he did just fine his first semester....further more she tells me that he will have to withdraw because he is just so far behind...he just cannot recover......needless to say I came FUCKEN UNGLUED.....I have been so freaken pissed off today....its been horrible. So I text my son and tell him we need to talk....I inform him that I know the results of his mid terms.....I didnt hear back from him till just a bit ago....telling me that he cant come home till he knows that I have cooled down......thats because he knows I want to shove my size 12s so far up his posterior that he might have to have them surgically removed....I am super angry...I feel betrayed, angry....hurt...I dont know what all I feel....but for the last two months this guy has gotten out of bed , left the house and driven supposedly to school....we are thirty miles from campus....problem with that little story is the reason he is failing is because he has not been attending class.....I'm old school guys....i have done a relative good job making adjustments to accomadate this young generation but this is totally unacceptable in my book.....I am going to post this ....I will not respond to your feed back right away...I want to read yalls thoughts on this first.....sorry to unload this SHIT on you guys.....but perhaps perspective from others might help me see things differently... I dont want to do something I might regret later on...Thanks

I think before your anger rains down on him find out why this is happening, you won't get anywhere shouting and screaming at him I found that out because my husband does it with our children they just clam up and then you don't know what the hells going on. If he thinks you will listen to him he will off load any problems he has, and he may have some serious ones and you don't want to put him under more pressure. My son has been to two funerals in the last six months of two friends who he went to school with and who we knew very well, they both hung themselves because they couldn't tell their parents their problems and could see no other way out, I'm not saying your son would do this or that he has any problems but its worth talking it out with him calmly just thought this would help.

 

[VTMi'kmaq]

[video=youtube_share;p4WSO1EKP4I]http://youtu.be/p4WSO1EKP4I[/video]
ok but i get to hold the bat guys!

 

[Mookjong]

Bear country- What state do you live in? Do you know if spice blends are available? The reason I ask, some people get very paranoid and socially awkward with that stuff. Depending on where your are he may have gotten a hold of some of that. The stuff is very addicting. When I read your post, I immediately thought drug use. Hopefully not, just trying share a point of view. I think granny is right. If jump on him you make him very insecure and like she said clam up. This is something you need to approach delicately. Something like this can leave a permanent scare on your relationship. I would personally take him out to eat somewhere in public so he knows you'll have to manage your temper. Take it slow, try to let him open up to you as opposed to forcing an answer. Don't even bring up consequence, he already knows. All you can do talk to him. Try to work out a new plan or a new direction. You might find this could be a very strong bonding moment that could lead to a lot more trust. Just remember as a parent your are aiding him while he builds himself. Make sure you use and make him use a lot eye contact. Your goal his to make HIM feel as a weight has been lifted. You really gotta suck it up and not let him see your anger. Later once things are patched up, politely show him some of those hefty tuition payments that may help him understand what your really doing for him. If I had parents to pay for college, omg I would be grateful. But I'm a little bit older now and can fully understand the lack of higher education in the job markets.

I would be looking for signs of drug use. Sunken cheeks, yellowing/biting fingernails, rapid eye movement, pale/dry skin, any major changes in body type. Your probably already know all that.

Good luck I wish you and your son the best.

 

[lahadaextranjera]

Bear Country- I agree it's not acceptable but you must first ascertain the exact reason why he's not attended. I went to a very strict girls grammar school where attendance and motivation were expected. Once they get to the age of 16 ou expect them to push themselves.

 

[sunni]

CUTENESS OVERLOAD

 

[gioua]

time to make canna peanut butter... mmmm

 

[RainbowBrite86]

Some people just don't thrive in college. They're just not interested. I have a friend who did the same thing, was absolutely terrified to tell her parents. She finally broke down in tears and told them she didn't want to disappoint them but she just didn't feel like college was "for her." I had a bf who felt the same way. His parents forced him to go anyway. He learned next to nothing and to this day does not use the degree he earned. They spent all that money, he spent all those years there, and all for nothing, just because he was never interested in going.

 

[Jimmyjonestoo]

Dumb ass new guy at work said i suck at trimming hedges and he wouldnt let me anywhere near his shrubs. Mother fucker ive been doing this almost 8 years and have customers that specificlly request i do all their trimming. Jackass.

 

[sunni]

soooooooo much crime in my city i aint leaving the house anymore

 

[match box]

Bear country I think I over looked the why he is not going to classes. That is far more important.

I hope drugs aren't involved. Good luck

 

[shadowweed]

i dony know if yall read my awesome but stupid idea that included weed vodka and a menthl cigerette.......... shi ever seen a little kid probably 12 or 13say to another kid ,that is probably the same age, "ima black belt bitch" holy shizniz im watching ridiculousness and that was the funniest video clip ever.......besides cat video clips