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Title: Credit card company calls Turtle "a fucking slut"
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Published: May 2, 2009
Author: Turtle
Post Date: 2009-05-02 07:24:53 by Turtle
Keywords: None
Views: 763
Comments: 41
I have two credit cards. One, which shall remain nameless, decided several months ago to cut my limit by three thousand dollars, to within $200 of my limit. They also raised the interest rate to 25% and also raised by monthly payment. I let that one go. My ex-girlfriend, who makes $120,000 a year, got the same treatment from the same company. She complained, and they told her, "too bad." Then, recently, of course, banks got the bailout. One of them was the bank issuing my credit card, which also used the bailout money to give the executives boneses. I stopped paying my bill and told them it had already been paid through my tax money, and through everyone else's, and also by their kids, and their grandkids, and they would never see a cent from me again. Apparently I gave them my cell phone number (which I don't remember and I find hard to believe, because I give that number to no one, except maybe six people) but the credit card company has been calling me ten or twelve times a day. I Googled the number and found this has been happening to many people. I never answer the number, so today, apparently out of frustration, I received a message on my phone (same number) that read, "You are a fucking slut and you fuck." Now most definitely they will never get a cent, never, ever, never.
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#2. To: Turtle (#0)
Now that is a strategy that I like. If everyone did this, we could put all of those bastiches out of bizness in a month. :)
I stopped paying my bill and told them it had already been paid through my tax money, and through everyone else's, and also by their kids, and their grandkids, and they would never see a cent from me again.
This guy may be prowling 4um: |
Used Tires Amityville, Babylon, Lindenhurst
#3. To: Turtle (#0)
good sites out there on how to fuck with these morons. first, fax them notification that it will be considered harassment and they may only contact you in writing, there is some fair credit reporting act cite you can use on it. then, when they do, dispute the debt. say you will not confirm or deny, but need to verify....then you ask em for three forms which they usually don't have, the original application and a couple others. after that, they're screwed. they can't prove a contract exists without the signed document. you should save that message and also report them to your atty general and the ftc. seriously, i know people first hand who have beaten the piss out of these companies. only correspond in writing, cuz they record conversations and if you slip up they will get you on tape saying you owe the debt. never ever admit anything, ask for original records to verify, and only in writing. also, move all of your assets into trusts....don't fuck around with that. on paper, you don't want to own shit....its all in corporations wrapped in trusts....nevada corps so no one can tell who owns any of it. you have nothing in the way of estate planning/asset protection if you aren't in trusts....don't even have a bank account with your name on it....put that in a trust. now, see if anyone who wants to sue you can show that you own any assets to go after? you don't own shit, so they leave you alone and go on to the next guy. you can set up your own trusts with docs on legal zoom. you shouldn't have to pay a lawyer to do it if you are willing to learn a little and read. not only that, but a single unfortunate accident can wipe out your estate if you don't have those asssets protected....say you hit someone in a car by mistake....they get a judgement for several million dollars, which is not unlikely in a serious accident requiring long term care, and your insurance only indemnifies you for say 100k......you are in serious jeopardy. you can lose it all. stick everything in a trust. everything.
if a people will not prosecute officials who subvert and violate the constitution, then the constitution has no authority over officials.
Gengis Gandhi, Troubled Genius
#4. To: Turtle (#0)
Maybe they were flirting with you. You never know with that S&M crowd.
"You are a fucking slut and you fuck."
#5. To: Turtle (#0)
Probably Apu the Indian. No American would say something like that. Next time well him "I swear by the many arms of vishnu I will strangle you like a thugee".
"You are a fucking slut and you fuck."
It's a fine line between being too specific and long winded and therefore too irritating to bother to read, and being too cryptic and therefore too irritating to try to interpret.
It's a forum post, not a doctoral thesis.
Click for Privacy and Preparedness files
#6. To: Turtle (#0)
But you are and you do.
"You are a fucking slut and you fuck."
"Controlling carbon is a bureaucrat's dream. If you control carbon, you control life." — Dr. Richard Lindzen, MIT Professor of Meteorology
#7. To: farmfriend (#6)
too funny, bump
#8. To: farmfriend (#6)
Hee hee, better you said the obvious then me. ;-D
#9. To: farmfriend (#6)
Here is who Turtle wants to test him to see if he actually is a slut.
#10. To: farmfriend (#6) (Edited)
But you are and you do. I am not a slut, I am a gigolo. I do fat girls for free, because they are so grateful.
"You are a fucking slut and you fuck."
Dancing Turtles and Bouncing Boobs
...that's Turtle Island.
#11. To: gengis gandhi (#3)
after that, they're screwed. they can't prove a contract exists without the signed document. also, the calls and harrassment are coming from a third party debt collector and there is NO contract with them.
then, when they do, dispute the debt. say you will not confirm or deny, but need to verify....then you ask em for three forms which they usually don't have, the original application and a couple others.
The smooth criminal transition from Bush/Cheney to Obama
#12. To: Turtle (#0)
Really? You could sue them for that.
"You are a fucking slut and you fuck."
God is always good!
#13. To: Turtle (#10)
Ooooo when can we start?
I do fat girls for free, because they are so grateful.
"Controlling carbon is a bureaucrat's dream. If you control carbon, you control life." — Dr. Richard Lindzen, MIT Professor of Meteorology
#14. To: Ferret Mike (#8)
There are just some thing a woman can get away with.
Hee hee, better you said the obvious then me. ;-D
"Controlling carbon is a bureaucrat's dream. If you control carbon, you control life." — Dr. Richard Lindzen, MIT Professor of Meteorology
#15. To: farmfriend (#14)
Word.
#16. To: gengis gandhi (#3) (Edited)
after that, they're screwed. they can't prove a contract exists without the signed document. Every time you sign your name when using your credit card you have a new contract. But since they never had the money to loan you to start with then you could dispute it in court. You can't owe something to somebody if they never gave you anything.
then, when they do, dispute the debt. say you will not confirm or deny, but need to verify....then you ask em for three forms which they usually don't have, the original application and a couple others.
God is always good!
#17. To: PSUSA (#5)
Probably Apu the Indian.
#18. To: Turtle (#0)
You are an irresponsible hard shell unworthy of possessing human qualifying dignity and values. You are loathsome to behold and should be relegated to the heap of primitive creation; a little too good for you is turtle soup, perhaps.
I stopped paying my bill
#19. To: grace_is_by_our_lord (#18)
He's a turtle and therefore incapable of "human qualifying dignity"
You are an irresponsible hard shell unworthy of possessing human qualifying dignity
#20. To: RickyJ (#16)
Is there a way or method that you can explain this bizarre post? I find your viewpoint confusing and contradictory in the same terms you use.
Every time you sign your name when using your credit card you have a new contract. But since they never had the money to loan you to start with then you could dispute it in court. You can't owe something to somebody if they never gave you anything.
#21. To: Jethro Tull (#19)
He is irresponsible by his own measured terms of existence and self righteous publick exclamation of attitude and is doomed to extinction.
#22. To: Jethro Tull (#19)
He's a turtle and therefore incapable of "human qualifying dignity" I've got him on bozo because he writes like a brain-damaged long-term alcoholic, so I didn't know what he wrote until you quoted him. I paid my credit card bill faithfully for years, but after this bailout crap all the big banks can go under. I just opened up an account at a solid local bank which told me they avoided all these toxic mortgage stuff, took no bailouts, and are doing just fine. Where I live there is plenty of credit available. I will never patronize a large bank again. Andrew Jackson was right, and too bad dueling is illegal, because I'm a natural shot and I'd be tempted to call these guys out.
You are an irresponsible hard shell unworthy of possessing human qualifying dignity
Dancing Turtles and Bouncing Boobs...that's Turtle Island.
#23. To: farmfriend (#13)
Ooooo when can we start? Oh, you're a fat girl? Round is a bit difficult, because I roll off, or else get suffocated.
I do fat girls for free, because they are so grateful.
Dancing Turtles and Bouncing Boobs...that's Turtle Island.
#24. To: christine, Turtle, gengis gandhi (#11)
There's some interesting information on this "debt consolidation thread" that I found, aside from the following: ... When it comes to debt collections the words, assigned, asignee, asign can sometimes be confusing ,misleading or have multiple meanings. Sometimes the debt is actually just assigned, not sold to the collector for recovery.This is more common in medical collections.In this case then you have no contractural right to pay the collector if you can still pay the dr./facility directly if possible. In other cases such as debt buyers the word asssigned can also mean that they actually purchased the debt but that is where dv comes into play . If your not sure if they actually own the debt or just hired to collect it then get it validated. assign 1) v. to transfer to another person any asset such as real property or a valuable right such as a contract or promissory note. 2) n. the person (assignee) who receives a piece of property by purchase, gift or by will. It often shows up in contracts and wills. Thats why its always important to ask for at least the 3 things that DebtCruncher posted when asking for validation. To see what was in your original contract ,and if they actually own it or are just collecting on it. If the debt has been sold, any assignees down the road should be able to provide three things: 1) the original contract/agreement, 2) a complete payment history / detail of charges, and 3) an assignment notice from the original creditor stating that the debt has been assigned to the new assignee. Without these three items, they cannot prove you owe them anything.
#25. To: litus (#24)
It has, supposedly. This is the third bank at least that I've dealt with on this one card.
If the debt has been sold
Dancing Turtles and Bouncing Boobs...that's Turtle Island.
#26. To: Turtle (#25)
That is what the banks have done with all the toxic mortgages too. That thread I posted may be of interest to you to either fight this or to keep from entrapping yourself through their deceitful attempts to get you to "admit" you owe them money.
This is the third bank
#27. To: Turtle (#25)
Reply to their vulgarity with song, rather than payment.
#28. To: Turtle, Jethro Tull (#22)
Do you see how this jackass uses every situation under the Sun to play? He is doomed to extinction, not because of any environmental consideration or banks or any fiasco but more-so because of it's own lethargy to survive responsibly.
I paid my credit card bill faithfully for years, but after this bailout crap all the big banks can go under. -- Turtle
#29. To: litus (#24)
yep thats the stuff.
if a people will not prosecute officials who subvert and violate the constitution, then the constitution has no authority over officials.
Gengis Gandhi, Troubled Genius
#30. To: christine (#11)
i have a friend who would ask these guys for a fax number, to fax them some document or whatever....some item to do with the dispute. when he would get it, he would put a black page into the fax machine, dial their fax number and set the thing for like 1000 times or whatever. it would tie up their fax machine for the day, burn up all the toner ink, etc. they would then call him and ask him to stop, he would be like, 'why should i? you assholes keep calling me, here's what you get. he also liked to tell them the conversation was being recorded....they were like, 'hey, you can't do that'.....he would say, 'oh yeah? in the beginning of the call you state this conversation MAY be recorded for quality control, so thats what i am doing'.....geebus that guy would royally screw with them. he would also bill doctors for making him wait beyond his appointment time, etc. lol.
if a people will not prosecute officials who subvert and violate the constitution, then the constitution has no authority over officials.
Gengis Gandhi, Troubled Genius
#31. To: gengis gandhi. all (#30)
I'm with him all the way on that one. Did he ever collect on those bills?
he would also bill doctors for making him wait beyond his appointment time, etc.
#32. To: lodwick (#31)
i think he did actually on one of em.
if a people will not prosecute officials who subvert and violate the constitution, then the constitution has no authority over officials.
Gengis Gandhi, Troubled Genius
#33. To: gengis gandhi (#30)
i love guys like that. ;)
The smooth criminal transition from Bush/Cheney to Obama
#34. To: Turtle (#22)
Oh man, I'd give anything to see dueling made legal again. There are several miserable sons-of-bitches out there that I'd call out in ten seconds flat. Pistols at 20 paces. Oh yes. Bring it on. Seriously, bringing back dueling would be a true blessing on this land. It would finally make it impossible for thieving vicious corporate bastards to hide behind a wall of lawyers, and instead have to face the righteous wrath of those they've cheated and robbed. Yes, yes, a thousand times yes... BRING BACK DUELING!
Andrew Jackson was right, and too bad dueling is illegal, because I'm a natural shot and I'd be tempted to call these guys out.
 | Gold and silver are REAL money, paper is but a promise. |
#35. To: grace_is_by_our_lord (#28)
Have another drink buck. You don't have enough brain cells left to worry about.
Do you see how this jackass uses every situation under the Sun to play? He is doomed to extinction, not because of any environmental consideration or banks or any fiasco but more-so because of it's own lethargy to survive responsibly.
Liberty is not a means to a higher political end. It is itself the highest political end.
Lord Acton
#36. To: Elliott Jackalope. all (#34)
Amen - we would get relief, one way or the other. Bring it back.
Oh man, I'd give anything to see dueling made legal again. There are several miserable sons-of-bitches out there that I'd call out in ten seconds flat. Pistols at 20 paces. Oh yes.
#37. To: litus (#24)
yes, that's my understanding. thanks for the extra info too. :)
If the debt has been sold, any assignees down the road should be able to provide three things: 1) the original contract/agreement, 2) a complete payment history / detail of charges, and 3) an assignment notice from the original creditor stating that the debt has been assigned to the new assignee. Without these three items, they cannot prove you owe them anything.
The smooth criminal transition from Bush/Cheney to Obama
#38. To: gengis gandhi, christine (#29)
that's my understanding. thanks for the extra info too. :) thanks for the tips. It sure helped me look for information, as I didn't know any of this.
yep thats the stuff.
#39. To: gengis gandhi, turtle (#3)
first, fax them notification that it will be considered harassment and they may only contact you in writing, there is some fair credit reporting act cite you can use on it. then, when they do, dispute the debt. say you will not confirm or deny, but need to verify....then you ask em for three forms which they usually don't have, the original application and a couple others. after that, they're screwed. they can't prove a contract exists without the signed document. you should save that message and also report them to your atty general and the ftc. seriously, i know people first hand who have beaten the piss out of these companies. GREAT post gengis. I like your style. I believe this below is what you were referring to. this DROP DEAD letter is from clark howard's site. he is a consumer advocate with a radio show. This will work to get any debt colector to stop calling. also, people could tell them, (not that they owe them a response in the first place, but..) that they don't deal with third parties. http://clarkhoward.com/liveweb/shownotes/category/12/103/ http://clarkhoward.com/liveweb/shownotes/category/12/103/358/399/ Drop Dead Letter (Date) To Whom It May Concern: I have been contacted by your company about a debt you allege I owe. I am instructing you not to contact me further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. Sincerely, (Name) (Account No.)
good sites out there on how to fuck with these morons.
Glory to God in the highest, and Peace to His people on Earth.
"I don't know where Bin Laden is. I truly am not that concerned about him"
George W, Bush, 3/13/02 http://georgewbush-whitehouse.archives.gov/news/releases/2002/03/20020313-8.html
#40. To: RickyJ, turtle (#12)
You could sue them for that oh yeah he could definitely sue them for that and win very easily; except the only drawback i see is that they might use that opportunity, if they are forced to appear in court (which they would otherwise stringently avoid), to countersue him for what they allege is his debt. That is something to consider. I have sued many companies and filed suits against others and gotten my desired results after which they asked me to drop the suit which i did. I onced sued warren buffet's company geico for the max. in small court which at the time in CA was 5000 (now it's 7500) and the judge awarded me in less than 5 minutes. ha ha. they had been trying to haggle on a claim , their insured was a drunk who crashed into me, and they were not paying what i asked for, which had been substancially less than 5000. they are very stupid. most of these people are, which is why with a little research you can NAIL almost anyone. BAM.
Really?
Glory to God in the highest, and Peace to His people on Earth.
"I don't know where Bin Laden is. I truly am not that concerned about him"
George W, Bush, 3/13/02 http://georgewbush-whitehouse.archives.gov/news/releases/2002/03/20020313-8.html
#41. To: Turtle (#23)
LOL I'm not THAT fat. I'm what they call full figured.
Round is a bit difficult, because I roll off, or else get suffocated.
"Controlling carbon is a bureaucrat's dream. If you control carbon, you control life." — Dr. Richard Lindzen, MIT Professor of Meteorology
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