RE: HELP!! I ruined my Sir's credit.

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RE: HELP!! I ruined my Sir's credit. - 10/3/2008 9:21:30 AM

LaTigresse

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Many years ago I worked in the credit department of a large chain of upscale women's clothing stores. Seiferts, Seiferts Plus, Mark Henri and LaVogue. We had our own company credit cards. I specifically handled bad debt accounts and the collection thereof.

If the minimum payment was $200.00 and the customer paid $ 100.00, the account became delinquent. If the customer refused to pay the remaining amount and keep it current (always paying the minimum or above) the account was closed to charges and put into collections. We also reported all activities on the accounts monthly.

When considering someone for a new account, one or two "30 days past due" within the past two years was not a big deal. But, if they were consistantly late on payments, or had ANY collections or bad debt, we declined to give them credit.

_____________________________

My twisted, self deprecating, sense of humour, finds alot to laugh about, in your lack of one!

Just because you are well educated, articulate, and can use big, fancy words, properly........does not mean you are right!

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RE: HELP!! I ruined my Sir's credit. - 10/3/2008 9:35:10 AM

pissdoll

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quote:

ORIGINAL: defiantbadgirl

UPDATE

I just talked to the bank. The home loan is approved and the bank is going to include paying off that bill in the loan. I called the collection agency and talked to a supervisor. They are going to talk to Sir when he gets home and since they are about to be paid off, they want to resolve the matter to everyone's satisfaction. That means either a pay for delete or report to credit bureau as account in good standing....not reported as paid collection. We will have them put it in writing and fax the written statement to the bank before they are paid off. Sir's credit is about to be saved. Also, he never blamed me for ruining his credit. I blamed myself because I'm the one that gave him the bad advice. I was the one saying it was my fault, not him.

are you two married? i thought by law creditors couldn't speak to anyone but the accountholder......

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RE: HELP!! I ruined my Sir's credit. - 10/3/2008 9:37:58 AM

LaTigresse

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I wondered that also but, considering they live in Kansas and how backwards that locale is.........what is legal is not always common practice.

< Message edited by LaTigresse -- 10/3/2008 9:38:09 AM >

_____________________________

My twisted, self deprecating, sense of humour, finds alot to laugh about, in your lack of one!

Just because you are well educated, articulate, and can use big, fancy words, properly........does not mean you are right!

(in reply to pissdoll)

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Post #: 23

RE: HELP!! I ruined my Sir's credit. - 10/3/2008 9:54:15 AM

KatyLied

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quote:

in America, this is a common theme.

Did you gloss over the part where he failed to understand and pay according to his contractual obligations?

Seriously, he is responsible for understanding the type of cell phone agreement he has entered in to.

It's not the submissive's fault that he ran up his minutes. Also, depending on what sort of cell phone he uses, he can check his minutes in real time on a website and know if he's in danger of using up his minutes (Verizonwireless provides this service). Sheesh.

spelling edit

< Message edited by KatyLied -- 10/3/2008 9:55:53 AM >

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RE: HELP!! I ruined my Sir's credit. - 10/3/2008 10:37:37 AM

popeye1250

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Boy am I glad I don't own a cell phone!
Nothing more annoying than talking to someone when their phone rings and they drop you like a hot potato!
That's when I just walk away.
"I guess you don't want my business."
Turn it off!

< Message edited by popeye1250 -- 10/3/2008 10:38:52 AM >

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RE: HELP!! I ruined my Sir's credit. - 10/3/2008 10:39:22 AM

KatyLied

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I have a trac fone and it's not too bad. No contract and I can refill as needed. I bought a phone, on sale, that has a double minutes card included, so every time I buy minutes they are automatically doubled, plus I purchase from an on-line site that usually gives 60 extra minutes with each purchase.

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RE: HELP!! I ruined my Sir's credit. - 10/3/2008 11:23:03 AM

LaTigresse

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quote:

ORIGINAL: popeye1250

Boy am I glad I don't own a cell phone!
Nothing more annoying than talking to someone when their phone rings and they drop you like a hot potato!
That's when I just walk away.
"I guess you don't want my business."
Turn it off!

Popeye, that is just bad manners, not the phone's fault.

I love my cell phone. It allows me to take care of personal business during my lunch without worrying if it will be long distance. My kids can call me no charge, as can my family members in Colorado, because we all have the same carrier. I also get a discount because our household has two phones, soon to be three, and one internet thing-a-ma-jiggy, on the same plan.

I also turn the ringer off while I am at work or in any sort of important meeting. I never answer it, or talk on it, while in a store checkout (one of my hugest pet peeves).

I don't walk around with it glued to a body part. When I am outside working, it is usually inside on the counter. The only exception is if I am expecting a really important call or if I am working a young horse and want it nearby in case of accident (ringer turned off of course). I also take it hiking, ringer turned off because they can leave a message, just in case I do something stupid and need to call for help.

It's a tool and an effective one if used properly. Sadly, many of the people using it have terrible manners.

_____________________________

My twisted, self deprecating, sense of humour, finds alot to laugh about, in your lack of one!

Just because you are well educated, articulate, and can use big, fancy words, properly........does not mean you are right!

(in reply to popeye1250)

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RE: HELP!! I ruined my Sir's credit. - 10/3/2008 11:31:18 AM

KatyLied

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These are probably the same people who had rude manners before the invention of cell phones.

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RE: HELP!! I ruined my Sir's credit. - 10/3/2008 11:36:16 AM

LaTigresse

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Most definately. Although most of them around here, were little kids then.

_____________________________

My twisted, self deprecating, sense of humour, finds alot to laugh about, in your lack of one!

Just because you are well educated, articulate, and can use big, fancy words, properly........does not mean you are right!

(in reply to KatyLied)

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Post #: 29

RE: HELP!! I ruined my Sir's credit. - 10/3/2008 11:39:23 AM

KatyLied

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Perhaps they were born rude?

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- Albert Einstein

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RE: HELP!! I ruined my Sir's credit. - 10/3/2008 11:41:51 AM

LaTigresse

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To rude parents!

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RE: HELP!! I ruined my Sir's credit. - 10/3/2008 2:13:13 PM

Termyn8or

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How different is it when the landline rings ? I frequently ignore it if I am engaged any any type of conversation of merit.

Note : Talking about fishing does not qualify. I hate fishing and always have.

T

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RE: HELP!! I ruined my Sir's credit. - 10/3/2008 2:20:22 PM

Lockit

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If I had a creditor talk to someone I wasn't married to... I would have a big problem with that. Hell, I can't even talk for my adult son half the time and they want faxed documents to prove they legally can talk to me.

A report of a garnishment could be faulty, but this whole situation sounds a little off. You are clearly not living together... may be long distance(?) and they are talking to you about his accounts, credit and such... not good.

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