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Credit Card SNAFU; what would you do?

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Credit Card SNAFU; what would you do?

Old 01-15-2017, 01:22 PM
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sometimes the cheap turns out to be expensive
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Old 01-15-2017, 01:23 PM
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The OP had a similar thread last year. It was pretty entertaining. The title of the thread was "Who do I sue?" You can find it here:

http://www.thehulltruth.com/dockside...-do-i-sue.html

If the OP is really considering letting his credit rating get trashed over $1400 he really needs to go back to that old thread and heed the following advice he was given there:

Originally Posted by dsharp View Post
He should sue his parents for raising a dumb ass.
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Old 01-15-2017, 01:35 PM
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Originally Posted by bone-a-fide View Post
It doesn't matter. NONE of this has anything to do with your credit card. You feel you got a subpar paint job for the price you paid. Some will agree, some won't. NONE of that matters. You cannot use your credit card as the arbiter for the quality of your paint job.
This. Your credit card company cannot be judge and jury. While it sucks you need to take them to court. Don't screw up your credit. Everyone now days checks your credit so it will just make things worse. Hell, just you insurance can jump hundreds of $$ each year over your credit.
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Old 01-15-2017, 02:23 PM
  #124  
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Amazing you post a thread - kind of looking for advice and then you argue with everyone when they tell you what to do. Why post at all?
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Old 01-15-2017, 02:32 PM
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Originally Posted by TTB View Post
The OP had a similar thread last year. It was pretty entertaining. The title of the thread was "Who do I sue?" You can find it here:

http://www.thehulltruth.com/dockside...-do-i-sue.html

If the OP is really considering letting his credit rating get trashed over $1400 he really needs to go back to that old thread and heed the following advice he was given there:
That one was a beauty! OP does keep you entertained!
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Old 01-15-2017, 03:22 PM
  #126  
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Originally Posted by makosteve66 View Post
Amazing you post a thread - kind of looking for advice and then you argue with everyone when they tell you what to do. Why post at all?
My question is and was .......... what can a collection agency actually do to me if the $1800 gets sent to them?

The advice I've been given is simple; pay the charge (which doubles my cost of painting), then sue the paint company and hope to get some relief; but nothing is guaranteed, so I might be out even more.

While I hear about how much my credit will suffer and life will be miserable, I still haven't read a clear explanation about.............what can a collection agency actually do to me if the $1800 gets sent to them? How far can they go? If I know the answer to that question, then I can decide whether to fight them.

Can you answer me?


Leave everything else off the table, and just...kindly...answer that question.
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Old 01-15-2017, 03:29 PM
  #127  
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http://blog.credit.com/2012/03/8-thi...ell-you-55045/
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Old 01-15-2017, 04:05 PM
  #128  
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Originally Posted by bamaboy473 View Post
My question is and was .......... what can a collection agency actually do to me if the $1800 gets sent to them?

The advice I've been given is simple; pay the charge (which doubles my cost of painting), then sue the paint company and hope to get some relief; but nothing is guaranteed, so I might be out even more.

While I hear about how much my credit will suffer and life will be miserable, I still haven't read a clear explanation about.............what can a collection agency actually do to me if the $1800 gets sent to them? How far can they go? If I know the answer to that question, then I can decide whether to fight them.

Can you answer me?


Leave everything else off the table, and just...kindly...answer that question.
Somehow, I see this as how the lawsuit will go in court.

"Are you on drugs?"

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Old 01-15-2017, 04:09 PM
  #129  
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OK, so maybe they will sue me:
If you owe unsecured debt such as credit card debt, collectors must typically sue you before they can go after your property, including money in your bank accounts, or try to garnish your wages. But threatening to take such actions before they have sued you and won a judgment may be illegal. Even threatening to sue you to collect a debt may be illegal if the collector has no intention of doing so.

Their litigation odds diminish with the actions that Chase took; namely, acting as if everything was kosher, and then changing their tune after 6 more months. If you were running a collection agency, would you think that this case was a slam-dunk? Would you choose to litigate, spending your own company's resources on a strange case?
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Old 01-15-2017, 04:10 PM
  #130  
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Originally Posted by bamaboy473 View Post
My question is and was .......... what can a collection agency actually do to me if the $1800 gets sent to them?

The advice I've been given is simple; pay the charge (which doubles my cost of painting), then sue the paint company and hope to get some relief; but nothing is guaranteed, so I might be out even more.

While I hear about how much my credit will suffer and life will be miserable, I still haven't read a clear explanation about.............what can a collection agency actually do to me if the $1800 gets sent to them? How far can they go? If I know the answer to that question, then I can decide whether to fight them.

Can you answer me?


Leave everything else off the table, and just...kindly...answer that question.
In Florida, they can shoot you.
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Old 01-15-2017, 04:11 PM
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Originally Posted by Freeebird View Post
Somehow, I see this as how the lawsuit will go in court.

"Are you on drugs?"

https://www.youtube.com/watch?v=lrZrpIgutwY

I'm starting to question what you actually know about the process, my friend. You talk well, but talk around the subject of the OP. Perhaps you are a business that has no real-world knowledge of what a collection agency will do in cases like this one? Just sayin'
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Old 01-15-2017, 04:12 PM
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Originally Posted by Marlin009 View Post
In Florida, they can shoot you.
They can't reach out and touch me ifffen I'm 28 miles west of them...
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Old 01-15-2017, 04:14 PM
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Originally Posted by bamaboy473 View Post
I'm starting to question what you actually know about the process, my friend. You talk well, but talk around the subject of the OP. Perhaps you are a business that has no real-world knowledge of what a collection agency will do in cases like this one? Just sayin'
Dude, you're delusional. There, I said it. You refuse to acknowledge the fact that the bank isn't at fault here. Again, read the credit card agreement you signed, or don't. I'm out. Good luck.
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Old 01-15-2017, 04:16 PM
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Originally Posted by bamaboy473 View Post
They can't reach out and touch me ifffen I'm 28 miles west of them...
Could ricochet off a pond.
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Old 01-15-2017, 04:21 PM
  #135  
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I don't think Chase will turn it over to a collector. They are kind of a king in all of this. Plus, is this a joint account? That would add some fun for your wife. Do you have any other Chase cards? They'll probably cancel them. Bottom line, if you just walk away, you're life won't be miserable until you need something tied to credit. If you're old and done, you'll be fine.
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Old 01-15-2017, 04:22 PM
  #136  
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Originally Posted by creditcardguy View Post
That one was a beauty! OP does keep you entertained!
I sure do like to make people laugh and smile, and it's easier to do that when you aren't the one getting the shaft, lol.

The UPS thing...my admiral said to just drop it, so I spent about $4500 because UPS destroyed the package...and a number of you guys said that UPS is like god, only better, and they can't get sued. That sucks for people that lose a ton of merchandise to their gorillas that handle the packages.

Now I'm looking at $2500 for the CC bill plus court plus attorney, and all for a lousy paint job?

2016 bullshit costs of around $7000, and nothing to show for it. Glad it's entertaining for some of us, but I really have to question whether all of those that so blissfull say to, "...just pay it and forget it.", would you (or could you) do just that? Really? Just roll over and be the bitch?

My posts about strange things are meant to seek counsel as well as to educate the rest of us about life's little surprises. I never planned to lose $7000 last year through no fault of my own. Glad it's entertaining to see things happen when it isn't happening to us, eh?
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Old 01-15-2017, 04:28 PM
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Originally Posted by Freeebird View Post
Dude, you're delusional. There, I said it. You refuse to acknowledge the fact that the bank isn't at fault here. Again, read the credit card agreement you signed, or don't. I'm out. Good luck.
No, I'm not delusional. You and I will disagree on whether the CC company joined the fault brigade by acting as an arbitration force, when you state clearly that they had no motive other than paying the service provider.

When they entertained me by conversation and letter; knowing full well that the merchant had painted the car, that means something. They allowed that I had not Received the Service that I had expected, or Paid for.

not getting what I paid for is reason for the CC credit. Done. Waiting 8 months to make an arbitrary decision to reverse their stance...without due process or conversation, is a problem for them. Done.

You have been helpful to a point. You don't know the answer to the OP question, but thanks for trying.
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Old 01-15-2017, 04:29 PM
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Originally Posted by Marlin009 View Post
Could ricochet off a pond.
When you're right, you're right. Gotta double down on the tinfoil this time
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Old 01-15-2017, 04:42 PM
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The credit card company is looking at whether the shop painted the car or not. How good they painted it is for a court to decide. The credit card company just cares if the company provided the service or goods. They don't provide mediation services.

Not paying your credit card bill is stiffing the credit card company just like you feel you were stiffed. Pay your bill and sue the shop. They're the ones you have an issue with.

Small claims isn't going to care that the credit company eventually reversed the charges. They know the credit card company is not a court or mediator. Why they did what they did can't be crossed examined they're not in court.
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Old 01-15-2017, 05:15 PM
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Originally Posted by Marco_boater View Post
The credit card company is looking at whether the shop painted the car or not. How good they painted it is for a court to decide. The credit card company just cares if the company provided the service or goods. They don't provide mediation services.

Not paying your credit card bill is stiffing the credit card company just like you feel you were stiffed. Pay your bill and sue the shop. They're the ones you have an issue with.

Small claims isn't going to care that the credit company eventually reversed the charges. They know the credit card company is not a court or mediator. Why they did what they did can't be crossed examined they're not in court.
This^. 12 cents says this guy is a lawyer.
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