Dude, no shit, why does everyone on this board have to puff out their chest when someone tries to just simply share some information. It happens, it's a pain in the ass to rectify. That's all I was trying to say. God forbid any company mess with any of you bad asses on here. Good lord. Sorry for even bringing it up.
You hate the big companies anyway. You should be ready to join our army and help us kick their asses when any of us has been wronged. Together we can all chip in and keep a top notch legal shark on retainer and dare those bastards to step one inch out of line. Sue the cheating bastards back to the stone age. Or you could just pull the extortion money out of your purse and pay them.
He should get a murse instead I heard they hold a lot and you can claim they are messenger bags and are not gay at all
Bringing it up is good. I wasn't aware. Suggesting that we must put up with it to avoid a hassle requires a response. I don't mind a hassle when I'm right and they are wrong.
I had heard of isolated cases of people being sued for bad reviews but I didn't know it was so prevalent. If company sells shoddy products or gives bad service they deserve bad reviews. Giving them a bad review not only makes you feel better but also warns other people against getting ripped off.
Like I said, I don't even know if I have a credit score because I don't have any debt, and I don't have any credit cards or a mortgage or anything like that. I haven't in three years. My credit score is probably 0, so they can't hurt me. And if they report something to one of the bureaus I will send a demand letter telling them to remove the false report. If they don't I'll report them to the FTC who is busily crashing down on those in violation of the FDCPA. I wouldn't even have to sue. They would be miserable for trying to fuck with me. Debt collectors don't fuck around with people who know their rights.
Isn't it a poor financial decision to not use credit? Isn't cheap money a smart thing to use to grow wealth?
It depends. Not all of it is cheap money. Way too many people amass a mountain of debt and spend the rest of their lives servicing that debt. I have studiously avoided debt all my life. Taking out a 15-year mortgage was smart and used cheaper money than taking it from my investments which were flying high at the time. I never borrow money to buy a car. I save money and pay cash or I borrow against my own accounts for a very cheap rate. I pay off my credit cards quickly, mostly using them for online transactions or for ease of travel. I was able to retire early because I am debt free. None of my spending is wasted on interest payments. I can live on my income and have not had to touch my savings. I may never have to touch my savings because I have no debt obligations. Borrowing money is a tool that can be useful, but it can also be a millstone around your neck. My feeling is that the average person is best advised to avoid debt other than a mortgage in which you have steadily increasing equity in your house, which does not lose value like cars and other lifestyle expenses where your interest payments can stay with you longer than whatever it was that you purchased.
You can shut them down pretty quick by, like you said, showing them you know what's up. One had the audacity to call me about a utiltity bill that wasn't being paid by the contractor who built a building for me. They tried to claim since I was the owner of the building (I am not the tenant), that they could come to me for payment. I asked them if my name was on the service, if I set it up, or if my SS info or any other info about me was on the utility account. They said no. I said, "then why the hell am I talking to you" and hung up. Matter resolved.
